حل الفصل الرابع المعرفة المالية بالإنجليزي أول ثانوي مسارات الفصل الأول

You can grow the value of money by saving consistently and investing surplus funds in suitable assets whose return can exceed inflation. The choice should match your goal, time horizon, and ability to accept risk.

Sample answer: Yes. I save part of the money I receive for future needs and emergencies, keeping it safe and liquid.

Answers will vary.

Sample answer: A phone bought for SAR 3,000 might sell for SAR 1,500 today because use, condition, age, and newer models reduce its value.

Answers will vary.

Sample answer: I have moderate risk tolerance. I would keep an emergency fund liquid, diversify investments, and risk only money I will not need soon.

Answers will vary.

1. a — True.
2. d — The value of savings can decrease over time. This is a drawback, not a benefit.
3. b — Your investment is 100% guaranteed.
4. b — False. Wealth shrinks when inflation exceeds the gain.
5. b — A house.
6. a — True.

1. b — False.
2. b — You can lose all your money. This is a risk, not a benefit.
3. d — There is a maximum government pension age.
4. a — True. The stated minimum age is 60 for both.

Sample answer: A government pension may cover basic needs, but it may not fully support every desired retirement activity or protect purchasing power. I should estimate future expenses and supplement it with long-term savings and investments.

Answers will vary.

Sample answer: A Saudi start-up may finance a product through a licensed crowdfunding platform. Rewards can include early access, a discount, a free product, or equity and possible returns if the business succeeds.

Answers will vary by campaign.

1. b — False.
2. b — An electronic games console.
3. a — Mortgage.
4. a — True.
5. b — Buying a computer game.
6. b — False.

They could steal money, impersonate me, expose private data, post fraudulent messages, and commit identity theft. I should use unique strong passwords and 2FA.

A thumbprint provides biometric authentication that is difficult to copy. It adds an identity check before a device or account opens and is strongest when combined with a password.

1. Use unique passwords, enable 2FA, check statements, and build an emergency fund.
2. Strengthen reused passwords, privacy settings, recovery details, and phishing awareness.
3. Use trusted institutions, verify unexpected contacts, never share codes, keep records, update devices, and report suspicious activity.

Answers will vary.

1. a — True.
2. c — Go on vacation with your friends.
3. d — Spatial.
4. b — False.
5. a — True.

Lesson 4.1

1. Appreciating asset — b
2. Contingencies — c
3. Depreciating asset — g
4. Emergency fund — f
5. Illiquid — a
6. Investing — e
7. Liquidity — d
8. Safety of principal — h

Lesson 4.2

1. Lifestyle — b
2. TASI — a

1. Bond — e
2. Crowdfunding — f
3. Dividend — g
4. Equity — i
5. Long-term investment — c
6. Maturity — a
7. Money market mutual fund — j
8. Share — k
9. Short-term investment — m
10. Stock — h
11. Sukuk — b
12. T-bill — d
13. Yield — l

1. 2FA — d
2. Fraud — e
3. Hacker — c
4. Identity theft — f
5. Phisher — b
6. Phishing — a

1. Saving keeps money safe and available with little risk; investing seeks growth or income but can gain or lose value.
2. An emergency fund is liquid money reserved for unplanned costs, avoiding forced asset sales or borrowing.

1. Example: investments can build a child's future university fund.
2. Growth and income help pay for the goods and activities that maintain a chosen lifestyle.
3. Growth above inflation preserves or increases purchasing power.
4. Future financial security means having enough savings, investments, and income for later needs and emergencies.
5. A long-term investment is held for more than three years, often much longer, for income or capital growth.

1. Risk tolerance determines which possible gain and loss fit the investor's goal, time horizon, and ability to absorb losses.
2. A T-bill is government-backed, short-term, and relatively secure, though its return is small.
3. Use trusted institutions, verify advisers, and review balances regularly.
4. Sharing passwords can enable theft, fraud, and identity theft.
5. A short-term issue is stolen money leaving too little for immediate costs.

1. c
2. b — False.
3. b — False.
4. a — True.
5. a — Education.
6. a — True.
7. b — False.
8. b — Safety of your health.

1. b — False.
2. a — True.
3. d — Difficulty applying for a mortgage.
4. b — False. That is a financial, not emotional, issue.

1. Abdullah may invest a limited amount only after checking the accounts, valuation, expansion plan, risks, and offering details and confirming they suit his goals. Profitability does not guarantee future returns.
2. It is likely long-term because expansion and returns will take years.
3. No. The unsolicited request for personal and bank details is a phishing warning. He should not reply or click links; he should verify help through a trusted regulated institution and report the message.