1
Investing is Gambling

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The Stock Market

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A company sells shares, in exchange for dividends

For the company, it is new money being injected

The buyer believes the company will grow

Gold

Source: https://goldprice.org/gold-price-chart.html, 2020-03-06

Supply and Demand

Information is key

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Source: https://www.jogossantacasa.pt/web/Placard/placard, 2020-03-06

Like any sports bet

Or like counting cards

Source: https://wallpapercave.com/w/wp1890591, 2020-03-06

1
When you invest you roll the dice

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2
To each gamble its chips

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Value goes beyond money

Cars

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Source: https://usedfirst.com/cars/mercedes-benz/e-class/, 2020-03-06

Source: https://usedfirst.com/cars/volkswagen/golf/, 2020-03-06

Initial investment

Longevity

Comfort

Houses

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Source: https://expresso.pt/economia/2019-10-03-Rendas-aumentam-mais-em-Braga-Setubal-Matosinhos-e-Porto, 2020-03-06

Source: https://www.jn.pt/economia/taxas-euribor-sobem-a-tres-e-seis-meses-e-descem-a-12-meses-11662871.html​, 2020-03-06

Source: https://observador.pt/2019/12/10/novas-operacoes-de-credito-habitacao-sobem-para-943-milhoes-de-euros-em-outubro/​, 2020-03-06

Source: https://www.jn.pt/opiniao/mariana-mortagua/combater-a-especulacao-imobiliaria--9828785.html​, 2020-03-06

2
You have to look beyond the money

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3
Credit

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https://bit.ly/2VRRbN9

Story time
  

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https://bit.ly/2VRRbN9

Credits are neither bad nor good

How to evaluate a credit?

FIN

(not the end)

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Fixed vs Variable

Total amount charged to the consumer

Credit creation costs

TAEG
The global indicator

Tips

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Question everything

If they're advertising, it is probably bad

Banks are in it to make a lot of money

Simulate the worst scenarios

Insurance is better than insomnia

3
Money is a commodity

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Be smart

Thank you

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