Las finanzas personales en inglés

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

high-street banks

banco commercial

a bank in the UK that provides services to ordinary people and has many local branches

current account

cuenta corriente

a bank account that you can take money from any time and earns little interest or no interest

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

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

joint account

cuenta conjunta

a bank account shared by two or more people

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

 

 

Servicios bancarios  en finanzas personales en inglés

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.

A

B

  1.  building society (e)
  1. also known as company pension
  1. windfall (c)
  1. a company whose shares are no longer owned by people who have money in it
  1. demutualize (b)
  1. money received unexpectedly
  1. unit trust (n)
  1. one of the cashless modes of payment or payment systems
  1. investment company (h)
  1. a business that lends you money if you want to buy a house
  1. private pension (i.)
  1. amount of money paid by a customer for a bank service
  1. company pension (j)
  1. a record of the money you put in and remove from your account
  1. state pension (k)
  1. also known as investment trust
  1. small investor (L)
  1. a pension you organized for yourself with an insurance company
  1. internet banking (o)
  1. a pension organized by your company
  1. telephone banking (m)
  1. an income given by the government to people who are no longer working because of their age
  1. bank statement (g)
  1. a person investing small amount of money
  1. bank charge (f)
  1. doing bank transactions using the telephone
  1. money transfer (d)
  1. financial experts invest the money of other people in different companies
  1. occupational pension (a)
  1. doing bank transactions using the internet

 

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.

  1. What type of bank accounts do you have?
  2. What type of personal investment do you have?
  3. Have you thought of getting a private pension?
  4. What type of pension do your parents have? What about you?
  5. Do you think having a pension is important? Why?