Author Archives: HTMW Team

The HowTheMarketWorks team is dedicated to make learning about investing fun and easy for new investors of all ages. Whether you are preparing for retirement and want to have greater control of your assets, thinking about day trading as your career, or are still in school taking a personal finance class, we have something for you!

The Motley Fool Review: the Best Stock Picks

*** MOTLEY FOOL STOCK ADVISOR RESULTS UPDATED AS OF MARCH 5, 2021 *** Investing in the stock market is an essential part of growing your wealth, preparing for retirement, and ensuring your financial success. While building a stock portfolio should absolutely be part of everyone’s long-term financial planning strategy, most people struggle with it or Read More…

Intro to Stocks

The basics about stocks. What are they? What do they represent? How does Risk figure into stock ownership.


Live Forex trading includes negotiating of national bills which is performed on a live basis at 24 hour, around-the-clock period. Forex is derived from the words Foreign Exchange which is known as the global market that does business in money trading.

Team HTMW Blue Chip Challenge Investment Strategy

Final Rank: 336 / 518 Final Portfolio Value: $981,381,149.90 (-1.86%) Investment Strategy For This Contest We picked blue chip stocks in the Dow Jones Industrial Average, and tried to balance analyst ratings, Price/Earnings (P/E) ratios, the latest news, and our own instincts. Even though there were only 30 stocks to choose from, it took hours to Read More…

Double Bottom

Double Bottoms are reversal patterns and often seem to be one of the most common (together with double top patterns) patterns for currency trading. Double Bottoms patterns are identified by two consecutive low prices of the same depth with a moderate pull back up in between (neckline peak).

S&P 500

The S&P 500, or the Standard & Poor’s 500, is a stock market index based on the common stock prices of 500 top publicly traded American companies, as determined by S&P. It differs from other stock market indices like the Dow Jones Industrial Average and the Nasdaq Composite because it tracks a different number of stocks and weights the stocks differently. It is one of the most commonly followed indices and many consider it the best representation of the market and a bellwether for the U.S. economy.

What is the Dow Jones Industrial Average

The Dow Jones Industrial Average, also called the Industrial Average, the Dow Jones, the Dow 30, or simply the Dow, is a stock market index that shows how 30 large publicly-owned companies based in the United States have traded during a standard trading session in the stock market.

Home Budget Calculator

Home Budget Calculator! The most difficult thing people think of with personal finance is building your monthly budget, and sticking to it. There are tons of different expenses and payments to consider, so we put all the big ones in one place! This tool will also help you see exactly how much you can set Read More…

Car Loan Calculator

Car Loan Calculator! The first BIG purchase many people make is when they buy their first car. This calculator will help show the impact of many of the biggest factors people need to consider when taking out their first loan for a big purchase. If you have used our Credit Card Payment Calculator to see Read More…

Credit Card Payment Calculator

Credit Card Minimum Payments Calculator! Credit Cards! These are usually the first “loans” a person takes out, and the first monthly payments! Tens of thousands of young people dig themselves deep into credit card debt before they even realize it, so have fun with this payments calculator to see how much these bits of plastic Read More…

Advanced Investment Return Calculator

Advanced Investment Return Calculator Find out the difference between Simple and Compound Interest! See how big an impact your tax rates and inflation have on your savings over time! If you have already used our Becoming A Millionaire Calculator, you can use your targeted Expected Investment Return numbers in this calculator to see how to Read More…

Buy vs Lease Calculator

Buy Vs Lease Calculator! The biggest expense most people have is the place they live, one of the biggest decisions young people face is whether to buy their home, or continue to rent. Conventional wisdom says that buying will pay off in the long term, but believe it or not this is not always the Read More…

Personal Finance Lesson Plans

We want to make it as easy as possible to teach real personal finance skills to your students, so we have been working with our friends at, along with our own team of personal finance experts and educators, to build a set of the best lesson plans and teacher resources anywhere in the world. Read More…

HTMW Webinar Schedule

Welcome to HowTheMarketWorks, The Best Free Stock Market Game! Get ready for our webinar series, where we will go through all the features of using HowTheMarketWorks in your class or club, and answer any questions you may have about the totally FREE platform! If you missed our last webinar, you can view a recording of Read More…

Technical Analysis Software

Technical analysis software automates the charting, analysis and reporting functions that support technical analysts in their review and prediction of financial markets (e.g. the stock market).

Investing in Chile

Introduction Chile is one of Latin American countries that have a vibrant market-oriented economy and an OECD member. It depends heavily on foreign trade due to its natural resources, and is a dominant and major exporter of copper. Chile’s Main Industries  Chile is economically known for its strength in: Mining and Minerals Sector Copper Lithium Read More…

Investing in Serbia

Serbia is a European country with an upper-middle income economy. It had one of the fastest growing economies of its region, in terms of GDP growth rates prior to the global recession, and attracted solid foreign direct investment. This article explores Serbia’s economic strengths along with the stock market, largest banks and ways one can invest in the country.