How to Speak about Money in English
Summary
TLDREste video enseña vocabulario clave relacionado con el dinero en inglés. Se explican diferentes formas de pago, como efectivo, tarjeta de crédito o débito, cheques y dinero electrónico, así como monedas nacionales y el concepto de cambio de divisas. También aborda términos sobre precios, descuentos y cómo comprar de manera inteligente. El video incluye expresiones para describir riqueza y pobreza, préstamos, ahorros y tipos de impuestos. Es una guía completa sobre cómo hablar de dinero en inglés, con ejemplos claros y útiles para el día a día.
Takeaways
- 💸 El dinero puede ser en efectivo (billetes y monedas) o en formas electrónicas (tarjetas o dinero digital como Bitcoin).
- 💳 Puedes pagar con cheque, tarjeta de débito/crédito o dinero en efectivo, y si no tienes suficiente dinero, puedes comprar a crédito.
- 💶 El tipo de cambio de las monedas varía, por ejemplo, el de Bitcoin a euro es 1600 euros por Bitcoin.
- 🔄 Puedes obtener un reembolso si el producto comprado es defectuoso, y si pagaste más del precio del artículo, te devuelven el cambio.
- 💵 'Cambio' es el dinero que recibes si pagaste más del costo de un producto, y se entrega junto con un recibo que comprueba el pago.
- 💲 Si un gasto no era necesario o estuvo mal, es considerado un 'desperdicio de dinero'.
- 💰 Las ventas y promociones pueden ofrecer descuentos o productos gratis, y los términos 'on sale' y 'for sale' tienen diferencias entre el inglés británico y americano.
- 💸 Si necesitas dinero, puedes pedir un préstamo a un amigo, en cuyo caso él te presta dinero y tú se lo debes hasta que lo pagues.
- 🏦 Los bancos pagan intereses por el dinero depositado en una cuenta de ahorros, pero si tomas un préstamo o hipoteca, tú pagas intereses al banco.
- 📉 Si tienes una cuenta 'en rojo' significa que está sobregirada, mientras que 'en negro' indica que tienes saldo positivo.
Q & A
¿Qué incluye el dinero en efectivo?
-El dinero en efectivo incluye billetes y monedas.
¿Qué es una moneda nacional?
-Es el sistema de dinero de un país en particular, como el dólar en Estados Unidos o la libra en el Reino Unido.
¿Qué es Bitcoin?
-Bitcoin es una moneda digital, un tipo de dinero electrónico que no tiene forma física.
¿Qué significa comprar algo a crédito?
-Comprar a crédito significa adquirir un bien sin tener el dinero suficiente en ese momento y pagarlo más tarde.
¿Qué es un reembolso?
-Un reembolso es la devolución del dinero cuando el producto comprado tiene fallas o no cumple con las expectativas.
¿Qué significa la palabra 'kilo' en el contexto de los precios?
-La palabra 'kilo' proviene del griego y significa mil, por lo que se usa la letra 'K' para representar mil en precios (ej. 200K = 200,000).
¿Cómo se diferencia el uso de 'on sale' en el inglés británico y americano?
-En inglés británico, 'on sale' significa que algo está a la venta, mientras que en el inglés americano significa que el producto tiene un precio reducido.
¿Qué significa la expresión 'costar una fortuna'?
-Significa que algo es extremadamente caro o cuesta mucho dinero.
¿Qué es una cuenta en números rojos?
-Es una cuenta que no tiene dinero o está sobregirada, es decir, con un saldo negativo.
¿Qué impuestos personales existen?
-Entre los impuestos personales se incluyen el impuesto sobre la renta (income tax) y el impuesto de herencia (inheritance tax).
Outlines
💵 Manejo del Dinero en Inglés
Este párrafo explica cómo hablar sobre dinero en inglés. Se menciona que el dinero puede estar en efectivo, cheques, tarjetas de débito o crédito, o en forma electrónica como el Bitcoin. Se describe la moneda nacional de algunos países como el dólar en Estados Unidos, la libra en Reino Unido y el euro en la Unión Europea. También se discute el cambio de divisas y cómo pagar por diferentes métodos. Se menciona la posibilidad de comprar a crédito, recibir un reembolso por productos defectuosos y el concepto de cambio y recibo. Además, se explora el tema de la pérdida de dinero y cómo preguntar por los precios, así como las palabras 'barato', 'de buen valor' y 'caro'. Se habla de las diferencias entre el uso de 'venta' en inglés americano y británico y cómo se pueden obtener descuentos. Finalmente, se toca el tema de la deuda y el préstamo de dinero.
💸 Conceptos Financieros y Ejemplos de Idiomas
Este segundo párrafo profundiza en conceptos financieros como la deuda, el préstamo de dinero, la riqueza y la pobreza. Se utilizan ejemplos de frases hechas para describir a personas ricas o pobres, como 'tocar el jackpot', 'estar en la bancarrota' o 'apretar el cinturón'. Se explica cómo se obtiene el dinero, ya sea por ingresos, herencia, lotería, becas, salarios u otras fuentes. Se menciona cómo se deposita y se retira dinero de una cuenta bancaria, los intereses y las cuentas corrientes o de ahorro. También se habla sobre los impuestos personales, heredados y empresariales, como el IVA. El vídeo termina con una invitación a suscribirse al canal y dejar un 'me gusta'.
Mindmap
Keywords
💡Dinero
💡Moneda nacional
💡Cambio de moneda
💡Compras a crédito
💡Reembolso
💡Descuento
💡Préstamo bancario
💡Cuenta de ahorros
💡Impuestos
💡Bancarrota
Highlights
Money can be in cash, such as banknotes or coins, or electronic money without a physical form.
A national currency refers to the money system of a specific country, such as the dollar in the USA or the pound in the UK.
Digital currency like Bitcoin is a type of electronic money that can be exchanged at a certain exchange rate.
You can pay for things in different ways: by cash, debit or credit card, check, or buying on credit.
If a product is faulty, you can ask for a refund.
Change is the money you receive back when you pay more than the cost, and a receipt proves payment.
Waste can be used as a noun or verb to describe unnecessary or wrong expenses.
You can ask for the price using questions like 'What is the price?' or 'How much does it cost?'
The term 'worth' can describe the value of an item, e.g., 'My flat is worth $200,000.'
The letter 'K' often represents 'thousand,' originating from the Greek word 'kilo.'
In sales, items can be at a reasonable price, good value, or expensive. Discounts are also common.
In British English, 'on sale' or 'for sale' means purchasable, while 'in a sale' means offered at a reduced price.
In American English, 'for sale' means purchasable, while 'on sale' means offered at a reduced price.
Borrowing and lending involve borrowing money from someone, who lends it to you. You owe it and then pay it back.
Rich individuals can be described as wealthy, well-off, or loaded, while poor individuals can be described as hard up or broke.
Transcripts
hello today we are learning how to speak
about money in English and if you would
like to get the PDF slides of this video
please click on the link above and
download them on my website so money can
be in cash which includes banknotes or
coins you can pay by a check or by debit
or credit card or use electronic money
which doesn't have a physical form and a
system of money in a particular country
is called a national currency for
example in the United States and some
other countries it's a dollar in the UK
it's a pound in the European Union its
era and there is also a digital currency
which is called Bitcoin a type of
electronic money and you can exchange
money or exchange currencies at a
certain exchange rate for example the
exchange rate of Bitcoin to euro is 1600
euro per Bitcoin so you can pay for
something by credit or debit card in
cash or by cheque and if you don't have
enough money you can buy on credit and
if the goods you bought are faulty you
can get a refund or be given era fund
for example I paid for the room in cash
I paid for the TV set by credit card I
bought this car on credit the laptop was
faulty so I gave it back and was given a
refund
when you pay the seller more than the
goods cost the money they give back to
you is called change and you get the
change together with a receipt a
document proving that you have paid you
can spend money on something but if the
expense was not necessary or wrong it's
a waste of money so the word waste can
be used both as a verb and as a noun to
ask about the price the questions are
what is the price of something how much
does it cost you can also use the
adjective worth for example my flat is
worth $200,000 and if you ask me why the
letter K stands for the word thousand
from what I know it originates from the
greek word kilo which means a thousand
talking about the price something can be
cheap or bought at a reasonable price or
be good value for money or the goods may
be expensive or you can say cost a
fortune for example I bought this coat
at quite a reasonable price the car was
good value for money
it cost only five thousand dollars this
flight is way too expensive I need to
find another one the house costs a
fortune you can get a discount and save
a lot of money and even get something
free in sales and during promised or
promotions of different goods in
American and British variants of English
the word sale may be used a bit
differently depending on the preposition
it comes with in British English on sale
or for sale means that you can buy it
that the goods are purchasable but if
something is offered at a reduced price
for example in a shop then it's in a
sale or in their sale
but in American English if someone is
selling something and that thing becomes
purchasable you can use only the phrase
for sale in that meaning the combination
on sale is not used but when the goods
are offered at a reduced price for
example in a shop they are all sale so
you can use this phrase only in this
meaning for example British this house
is on sale American this house is for
sale British I bought the phone in the
sale for only three hundred dollars
American
I bought the phone on sale for only
three hundred dollars however in both
American and British variants of English
you can use the preposition ad when
talking about a physical place for
example I bought the phone ad the sale
for only three hundred dollars in a sale
a seller for example a shop can take say
twenty percent of the price and you as a
buyer can get twenty percent of the
price so you can afford to buy quite a
lot of things and a lot of items become
good value for money or a good bargain
which means a profitable deal for you
you can't negotiate a lower price or
haggle over or above the price but not
in the shop usually it happens at the
market
so let's talk about debt or borrowing if
you need money you can borrow it from
your friend so your friend in this case
lends money to you you owe this money
for a certain period of time and then
you pay it back for example he borrowed
$100 from her now he owes her $100
she lent him $100 he's going to pay her
back next week when a person is reached
you can also say that he or she is
wealthy well of or a very informal word
loaded and when someone is poor you can
say here she's hard up broke or
panelists and some idioms which you can
use to talk about rich people hit the
jackpot means to become rich very
suddenly for example it hit the jackpot
with his new business make or the word a
fortune he's where the fortune have or
have got money to burn they seem to have
money to burn which means they have so
much money that they don't know what to
do with it some idioms to talk about
lack of money go OB bankrupt
she went bankrupt when the business was
hit by the crisis tightened one's belt
she must tighten her belt now which
means to spend less much less than usual
short of money meaning not to have
enough money for example she is really
short of money now so money comes into
our life when we earn it when we inherit
it from our relatives of friends when we
win the money in the lottery but
sometimes people steal money and that is
really bad
students can get a grant or a
scholarship and we get as salary wages
and fee or a bonus for our work and
those who are on Social Security get a
pension and allowance or benefits you
can deposit your money in a bank and
then with droid from the bank or take it
out of the bank on your savings account
the bank pays you interest but if you
take a bank loan or a mortgage to buy a
flat then you pay interest to the bank
you can deposit your money in the
current account or a savings account and
if the account is in the black there is
money on it and if it's in the red there
isn't or the account is overdrawn or you
can say there is overdraft and finally
let's talk about taxes which can be
personal for example income tax on wages
and salaries or inheritance tax on
inherited money and business taxes for
example v80 which is valid added tags on
goods when they're sold and purchased
this is all for now thank you for
watching and if you liked this video
please drop your likes and subscribe to
my channel bye
[Music]
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