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Arlette Silva Dávila

on 6 March 2014

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Transcript of Finanzas

Financial Resources
What is a Financial Instrument?
A Financial Instrument may be hard copy document, or as a virtual document
Financial Resources Bank & Stock Market
Futures and Options
Money available to business for spending in cash, liquid securities and credit lines.

Before making an agreement the entrepreneur needs to secure sufficient financial resources in order to be able to operate efficiently to promote success.
Financial Instrument are legal documents that embody monetary value.
Different types of Financial Instruments
Financial Instruments are securities that both large and small investors can use to gain exposure to the financial markets.
Stocks and Bonds
are among the most sophisticated and potentially risky financial instruments
There are two types of assets
Role of Stock Exchanges
Saving your money
Why do we need banks?
Rising Capital for Business
Futures Contract
Is an agreement to purchase or sell, also know as trade, some underlying product such as gold, crude oil, or agricultural items at a future date and at a present price.
Options Contracts
Are contracts that give traders an option to buy other financial instruments, including stocks, at a predetermined price within a given time frame
The value of these financial instruments is determined by the underlying security or asset, such as a stock or natural resource.
The business conducted or services offered by a bank
Stock Market
At some point, just about every company needs to rise money. When you own a share stock, you are a part owner in the company with a claim on every asset and penny in earnings. As a company's earnings improve, investors are willing to pay more for stock.
Preferred Stock
Preference shareholders are granted privileges over and above that of common stockholders, also hold a higher claim when it comes to asset distribution, in event of the liquidation of the company.
Common Stock
This is the equity that a company offers its stockholders as ownership. The common stockholders have voting rights and are invited to the annual general meetings of the corporation.
Must be considered a long-term endeavor if it is to be successful. In order to endure the pain of a bear market, you need to have a stake in the game when the tables turn positive.
Role of Stock
for Business
The Stock Exchange provide companies with the facility to rise capital for expansion through selling shares to the investing public
There are
four commons forms
1. Going Public
Companies especially tech companies are ways to rise high volumes of capital.
2. Limited
The partners is liable only to the extent of the amount of money that partner has invested. Limited Partners do not receive dividends, but enjoy direct access to the flow of income and expenses.
3. Corporate
Usually an established multinational company,which provides capital for the smaller company in return for marketing rights, patent rights, or equity.
4. Mobilizing savings for Investment
Examples include:
A big reason is safety. Even if the bank you use collapses, you have no reason to worry because your money is insured.

Is Insured by the federal government. The Federal Deposit Insurance Corporation (FDIC) insures the money you have in the bank up to a certain amount (at least $250, 000)
A saving account is your money is meant to sit, stay and collect interest.
Regular Saving Account
High Yield Savings Accounts
Are the most traditional types of financial instruments, although there are sophisticated ways to invest in these securities.
When an investor purchases stock, they obtain an
equity stake
in that corporate entity that entities they to share in
and vote on some key events.
Equity stake
When people draw their
and investment in
Regular Saving Account
The most basic type of savings account. You'd open this type of account if you're saving low amounts of money for the short-term, as they generally don't have a minimum balance and pay out lw interest rates.
Easy to open
Easy access to your money
Insured by the Federal Government up to a certain amount
No service fees
Low Interest rates
High Yield Savings Accounts
This account takes more advantage of compound interest, as it offers higher interest rates than regular savings. They usually require a minimum balance.
Earns more interest than a regular savings account
Insured by the Federal Government up to a certain amount
Usually have to maintain a higher minimum balance
Savings accounts don't earn as much return as stocks, but the difference here is that the return on your savings account is guaranteed. The riskier you are as an investor, the less you'd keep in your accounts.
Spending Your Money
A checking account is meant to bring you security of holding your money in the bank, while still giving you convenient access to it o you can make puchases and pay bills easily.
Service Fees
Most checking accounts will charge a service fee depending on the account you choose. For example, if you want to have unlimited withdraws without being charged each time, you'll probably have to pay a monthly fee.
Most banks have ATMs that allow you to take out your cash on the go without any charge. Be sure to use your bank's ATM's in order to avoid those dreaded ATM fees.
Online Banking
Mananging your checking account has never been easier. Get an overview of ypur account balances and pay your bills, all through web banking. You can also set up email alerts to better manage your money flow and detect unusual account activity.
Overdraft Protection
Is when you withdraw money from your bank account when your available balance is at zero. Overdraft protection allows you to put your account balance into the negative without any extra charges. Without this protection, you may be charged high fees if you go over your balance.
Borrowing Money
Credit cards are very powerful, great power comes with great responsibility. Credit cards allow you to make purchases with borrowed money. The responsibility part is, well eventually you have to pay that money back.
And "eventually" should be sooner rather than later, because just as the bank pays you interest to save your money with them, they charge you interest when you borrow money from them.
Arlette Silva Dávila

Stephanie Cantu Sierra

Bárbara Alejandra Ancer González 1509509

Rocio Estrada Ramirez

Mauricio Rodríguez Martinez

Frida Hernández Rodríguez

Oswaldo Chavarria

Full transcript