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Invest Your Money:
   Using Banks,
Buying Investments:
a House, Bonds and
      Stocks
It’s great to get a paycheck!




http://womeninbiz.sbresources.cohttp://movies-chasehamiltonharrison.blogspot.com/2011/03/money-clip-art-
                                                free.html
It’s great to get money as a gift!




                                     http://movies-chasehamiltonharrison.blogspot.com/2011/03/money-clip-art-free.html
What should you do with extra money?
Saving money is very important!

Start saving as soon as you start a job!
Pay
Yourself
First!
           Pay yourself first means
           save money every payday
           for you.
Why save money?
You will need money for…
                      …a car.
                      …a computer.
                      …a flat screen tv.
                      …a vacation.

                      …a wedding.
                      …furniture.
                      …to pay college for children.

                      …an emergency.
http://www.arthursclipart.org/transport/land/cars/breakdown.gif
http://www.clipartguide.com/_named_clipart_images/0511-0902-1720-3622_Woman_Holding_Pots_to_Catch_Water_from_a_Leaky_Ceiling_clipart_image.jpg
               http://www.clipartguide.com/_named_clipart_images/0511-0902-1720-3619_Plumber_in_a_Flooded_Basement_clipart_image.jpg
                                 http://www.clker.com/cliparts/2/7/3/c/12115447392054621007house-fire-insurance.svg.hi.png
http://www.clker.com/cliparts/7/8/0/c/1195432342649371779JicJac_Couch.svg.hi.pnghttp://smartpoodlepublishing.com/blog/wp-content/uploads/2009/09/graduation_clipart_photograph_frame.gif
http://www.freewebs.com/sonypsfree/Sony%20flat%20screen%20tv.jpg
http://www.wncbride.com/wedding_clipart.jpg
http://school.discoveryeducation.com/clipart/images/laptop2.gif
When you pay yourself first,
you will be able to buy special things.

When you pay yourself first,
you will be ready for an emergency.
1. Saving money means you put the money in
a safe place.
You will use it later.
http://files.turbosquid.com/Preview/Content_2009_07_14__08_54_42/piggy_01.bmpd2b7c405-20e6-4bac-91f8-e09f62a85dc1Large.jpg




                                                       Saving money wastes my time.




         This is a bad idea.
         He will be poor.
                                                                                                   Saving Plan #1:
                                                                                                   Do not save.
2. There are different ways to save money.
     a. Save money in a piggy bank.
     b. Save money in a bank account.
     c. You can buy real estate (a house).
     d. You can buy bonds.
     e. You can buy stocks.
http://files.turbosquid.com/Preview/Content_2009_07_14__08_54_42/piggy_01.bmpd2b7c405-20e6-4bac-91f8-e09f62a85dc1Large.jpg




This is one way to save money.
3. Using a piggy bank is not the best way because your money will not grow.
                               2011                                                    2021




                                                                                                                Saving Plan #2:
                                                                                                                Use a piggy bank.
Saving money in a bank is better than using a piggy bank.
4. Banks pay you extra money to save.
The extra money is called interest.
                                      Saving Plan #3:
                                      Open a savings account.
http://static.seekingalpha.com/uploads/2009/9/30/saupload_fdic250.jpg




5. It is safe to save money in a bank.




                                                                             This sign means that
                                                                             all money is insured.




                                                                        Saving Plan #3:
                                                                        Open a savings account.
http://static.seekingalpha.com/uploads/2009/9/30/saupload_fdic250.jpg




5. It is safe to save money in a bank.
You may take the money when you need it.
If you do not touch the money for a long time, it will earn more
interest.



                                                                             This sign means that
                                                                             all money is insured.




                                                                        Saving Plan #3:
                                                                        Open a savings account.
Remember: if you do not
touch money saved in the
bank for a long time, your
money will grow.




                             Saving Plan #3:
                             Open a savings account.
6. Another way to save money is to invest.
When you invest, you ‘buy’ an investment that you do not touch.
After a long time, your investment will be worth more money.
6. Another way to save money is to invest.
When you invest, you ‘buy’ an investment that you do not touch.
After a long time, your investment will be worth more money.

                                          1999 = $100,000
                                          2019 = $150,000




 7. A house –real estate- is a
 kind of investment.
 If you buy a house, you may
 stay in it for a long time.
 After many years, your house
 may be worth more money.



                                                            Saving Plan #4:
                                                            Invest your money in a house.
 http://www.clker.com/clipart-3518.html
Remember: if you do not sell
the house for a long time, the
value will grow.
7. Buying a bond is another kind of investment.
When you buy a bond, you are lending someone money.
They promise to pay you back the money plus interest.




   People like to give U.S.
   Savings Bonds to babies.
   You pay $50 for this U.S.
   Savings Bond.
   The U.S. government promises
   to pay you back the $50 +
   interest.
   After 20 years, when the baby
   is in college, the bond will be
   worth $100.



                                         Saving Plan #5:
reiki.sjdr.com.br
                                         Invest your money in bonds.
Lemonade Stand
                                                   Bond Certificate
                                                   $110




   Lending money to a business is called ‘buying a bond.’
   When you buy a bond from a business, the business promises to
   pay you back later. They will pay you back plus interest.




                                           Saving Plan #4:
                                           Invest your money in bonds.
reiki.sjdr.com.br
Remember: if you do not touch
money in a bond for a long
time, your money will grow.
Saving money is very important!


If you save nothing for ten years, you will have nothing.




If you save $10 in a piggy bank each week for ten years,
you will have about $4,800.00.




If you put money in a savings account for ten years, you will
have $5,459.71.


             This is more money because banks pay interest!
http://files.turbosquid.com/Preview/Content_2009_07_14__08_54_42/piggy_01.bmpd2b7c405-20e6-4bac-91f8-e09f62a85dc1Large.jpg




                                                                                                I won’t pay
                                                                                                anything.
Start saving when you are young.
   You will earn more interest.
8. Don't forget!
                                             Pay yourself first!




                                                          finis




http://www.aisquared.com/zoomnews/images/1008/money.jpg
Highest Risk: Highest
                  Potential Return or Loss

                                         Speculative
                                           Stocks

                                             Real Estate



                                       Individual Stocks

                                     Stock Mutual Funds



                                Money market Mutual Funds

                                Insured Certificates of Deposit

                                  Insured Savings Accounts
Lowest Risk: Lowest
Potential Return or Loss             U.S. Savings Bonds
http://www.themint.org/kids/index.html




         finis

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* Saving: Banks & Investments