Comprender nuestras propias finanzas personales nos dará más poder sobre la administración de nuestras finanzas, haciéndonos responsables de controlar nuestros gastos, seleccionando las pólizas de seguro adecuadas e invirtiendo nuestro dinero sabiamente. En esta lección aprenderemos algunos términos en inglés relacionados con las finanzas personales en inglés
Banca tradicional y las finanzas personales en inglés
Los bancos tradicionales son los bancos originales que se remontan a la historia de la banca. Con el advenimiento de otras formas de banca, muchas personas aún prefieren usar las formas tradicionales.
Aquí hay algunos términos en inglés relacionados con la banca tradicional:
|
Términos |
Traducción |
Significado |
|
bank account |
cuenta bancaria |
an arrangement with the bank where customer puts in and removes money and the bank records it |
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high-street banks |
banco commercial |
a bank in the UK that provides services to ordinary people and has many local branches |
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current account |
cuenta corriente |
a bank account that you can take money from any time and earns little interest or no interest |
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debit card |
tarjeta de débito |
a small plastic card which you can use as a method of payment and the money is taken out from your account automatically |
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credit card |
tarjeta de crédito |
a small plastic card which you can use as a method of payment and the money is taken out at a later time |
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joint account |
cuenta conjunta |
a bank account shared by two or more people |
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in the black |
en números negros |
earning more money than you spend |
|
in the red |
en números rojos |
spending more money than you earned |
|
overdraft |
giro en descubierto |
an amount of money that a customer with a bank account is temporarily allowed to owe to the bank |
|
deposit account |
cuenta de depósito |
a bank account that pays you interest, in which you usually leave money for a long time |
|
pay off |
reembolsar; amortizar |
to pay a creditor in full |
|
mortgage |
hipoteca |
an agreement that allows you to borrow money from a bank in order to buy a house |
Aquí hay algunos términos relacionados con los servicios bancarios:
|
Términos |
Traducción |
Significado |
|
bank statement |
estado de cuentas |
a record of the money you put in and removed from a bank account |
|
banking charges |
gastos bancarios |
amounts of money paid by a customer for a bank’s services |
|
telephone banking |
banca telefónica |
services offered by a bank to its customers by telephone |
|
money transfer |
transferencia de dinero |
one of the cashless modes of payment or payment systems |
|
Internet banking |
banca por internet |
the system that allows you to put in and remove money from a bank account by using the internet |
Inversiones personales
Dado que el dinero juega un papel importante en el futuro de uno, hacer una inversión personal inteligente temprano en la vida puede ser rentable.
Aquí hay algunos términos en inglés relacionados con la inversión personal:
|
Términos |
Traducción |
Significado |
|
building society |
sociedad de crédito |
a business that lends you money if you want to buy a house, or pays you interest on money you put invest there |
|
demutualize |
desmutualizar |
a financial institution becomes a company with shares owned by shareholders, and is no longer owned by the people who have money in it |
|
windfall |
ganancia inesperada |
an amount of money that you receive from someone unexpectedly |
|
unit trusts |
fondos de inversión |
a service where financial experts invest the money of many people in many different companies |
|
investment companies |
empresas de inversión |
also known as investment trust; a company that earns money by investing in other companies |
|
small investors |
pequeños inversores |
someone who invests small amount of money |
|
private pension |
pensión privada |
also known as personal pension; a pension that you organize yourself with an insurance company, rather than organized by your employer |
|
company pension |
fondo de pensiones |
also known as occupational pension; a pension organized by your employer |
|
state pension |
pensión del estado |
a regular income paid by the government to someone who doesn’t work anymore |
|
pension scheme |
plan de pensiones |
a system for saving money for your retirement |
Ejercicios sobre las finanzas personales en inglés
Une la columna A con la columna B.
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B |
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Elige la respuesta correcta.
An arrangement with the bank where you can put money and remove it any time. (bank account)
a.bank account b. bank statement c. bank charge
A bank account that you can take money from any time and earns little interest or no interest. (current account)
a.debit account b. current account c. checking account
A bank in the UK that provides services to ordinary people and has many local branches. (high-street bank)
a.high bank b. high-street bank c. local bank
A small plastic card which you can use as a method of payment and the money is taken out at a later time. (credit card)
a.debit card b. credit card c. check card
A bank account shared by two or more people. (joint account)
a.joint account b. combined account c. mixed account
A situation where you earn more money than you spend. (in the black)
a.in the red b. in the black c. in the pink
A situation where you spend more money than you earn. (in the red)
a.in the red b. in the black c. in the pink
An amount of money temporarily allowed by the bank to its customer with a bank account to owe to the bank. (overdraft)
a.overdraft b. allowance c. mortgage
An agreement with the bank that allows you to borrow money to buy a house. (mortgage)
a.mortgage b. overdraft c. allowance
To pay your creditor in full amount. (pay off)
.apay off b. pay out c. pay in
EJERCICIO DE COMUNICACIÓN. Debate sobre las siguientes preguntas.
- What type of bank accounts do you have?
- What type of personal investment do you have?
- Have you thought of getting a private pension?
- What type of pension do your parents have? What about you?
- Do you think having a pension is important? Why?