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Investing Money in Plain English

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Subido el 12 de febrero de 2009 por EducaMadrid

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A short explanation of the risks and potential benefits of investing money.

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Most of us look forward to a comfortable future. To get there, you've got to be smart about using your money to make more money. 00:00:00
This is investing money in plain English. 00:00:08
We know that putting money in savings helps you make more money over time thanks to interest. 00:00:12
It's predictable and based on an interest rate. 00:00:18
However, there are ways to make more money if you're ready to take risks. 00:00:21
Consider this. You're here and you want to be here. 00:00:26
You have a choice between two options. 00:00:30
Going around the mountain, which usually takes five hours. It's very predictable. 00:00:32
Or going over the mountain, which can shorten the trip to two hours. 00:00:37
It may seem like an easy choice. 00:00:42
You can get there three hours earlier by going over, but there's a catch. 00:00:44
You might get stuck in the snow, which is a risk that can make the trip even longer than going around the mountain. 00:00:48
The best way to deal with risk is to be informed. 00:00:54
If you do your homework, like checking the weather reports, you'll have a better chance of making a smart decision. 00:00:57
Now, of course, I'm not talking about getting from town to town, but reaching your financial goals. 00:01:03
Having a savings account is predictable. It grows steadily with interest. 00:01:08
Investing, on the other hand, can grow your money much faster, but there's also a chance you could lose some of it. 00:01:13
There are many ways to invest. 00:01:20
Let's say your friend is opening a coffee shop. 00:01:23
She needs money to buy the beans and supplies. 00:01:25
Because she can't afford everything, she asks people like you to be investors. 00:01:28
You can see that this is a big risk, but you do the research and find that a new coffee shop could do very well. 00:01:33
So, you give her company money, and you become an owner and a tiny part of the company. 00:01:40
That bit of ownership represents the money you invested. 00:01:45
If the coffee shop business is slow, the value of your investment may shrink. 00:01:49
But if the coffee shop is successful, your investment could grow with the company. 00:01:54
It may take time to see the outcome, but you've bet that your money would grow faster in an investment than the modest earnings in a savings account. 00:01:59
That's what makes it risky. 00:02:07
It's hard to know how an investment will do over time. 00:02:09
The same is true for the stock market. 00:02:13
When you buy stocks, you're buying a tiny portion of a large business and betting that the business will do well over time, increasing the value of your investment. 00:02:15
Now, the stock market and private businesses aren't the only kinds of investing. 00:02:25
Let's say you'd like to invest $500. 00:02:29
You find antiques that you believe will be worth more in the future. 00:02:32
If you're right, you may be selling them for $750 in a few years. 00:02:36
If you're wrong, they may be worth only $400. 00:02:41
By investing, you're taking a risk, and you have to be ready for both outcomes. 00:02:45
Whether it's a friend's coffee shop, the stock market, or antiques, the big ideas are the same. 00:02:51
Savings accounts are predictable and may be a good choice. 00:02:57
But if you're ready to take the risk that you might lose money, you could put your money into an investment that has the potential for a much bigger payoff. 00:03:01
Investing is serious business, and every investment comes with different risks. 00:03:10
Do your homework and discuss your plans with a financial professional before getting involved. 00:03:15
If you plan for the long term, you may find that a comfortable future isn't too many years away. 00:03:20
I'm Lee LaFever, and this has been Investing Money in Plain English. 00:03:25
Do you need this for work? 00:03:30
Find presentation-quality, unbranded versions of all Common Craft videos at CommonCraft.com. 00:03:32
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Idioma/s:
en
Autor/es:
The Common Craft Show
Subido por:
EducaMadrid
Licencia:
Reconocimiento - No comercial - Sin obra derivada
Visualizaciones:
623
Fecha:
12 de febrero de 2009 - 12:21
Visibilidad:
Público
Enlace Relacionado:
The Common Craft Show
Duración:
03′ 40″
Relación de aspecto:
4:3 Hasta 2009 fue el estándar utilizado en la televisión PAL; muchas pantallas de ordenador y televisores usan este estándar, erróneamente llamado cuadrado, cuando en la realidad es rectangular o wide.
Resolución:
480x360 píxeles
Tamaño:
4.83 MBytes

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