Chapter 1 Vocabulary Investment Any asset you put money into with the expectation that it will generate income or increase in value. ⸻ Portfolio A collection of different investments owned by an investor. ⸻ Return The reward earned from an investment through income and/or an increase in value. ⸻ Income Money earned from an investment, such as interest, dividends, or rent. ⸻ Capital Gain The increase in the value of an investment when it is sold for more than its purchase price. ⸻ Security A financial investment issued by a business, government, or organization that represents a financial claim. ⸻ Property A real asset that is generally less liquid than a security. ⸻ Real Property Land, buildings, and anything permanently attached to the land. ⸻ Tangible Personal Property Physical assets such as gold, artwork, antiques, jewelry, and collectibles. ⸻ Liquidity The ability to quickly buy or sell an investment without losing much of its value. ⸻ Direct Investment An investment in which the investor directly owns the asset. Example: Buying shares of stock yourself. ⸻ Indirect Investment An investment in which ownership is obtained through a professional investment manager. Example: Investing in a mutual fund. ⸻ Debt Security An investment in which the investor lends money and receives interest plus repayment of the loan. Example: Bonds. ⸻ Bond A debt security that pays interest and returns the principal at maturity. ⸻ Equity Security An investment that represents ownership in a business. Example: Common stock. ⸻ Common Stock A security that represents ownership in a corporation and may provide dividends and capital gains. ⸻ Preferred Stock A type of stock that pays fixed dividends but usually has no voting rights. ⸻ Derivative Security A financial security whose value comes from another underlying asset. ⸻ Option A derivative that gives the holder the right to buy or sell an asset at a specific price before a certain date. ⸻ Futures Contract A legally binding agreement to buy or sell an asset at a specified price on a future date. ⸻ Risk The uncertainty about the return an investment will earn. ⸻ Low-Risk Investment An investment with more predictable returns but generally lower average returns. ⸻ High-Risk Investment An investment with less predictable returns but higher potential returns. ⸻ Diversification Owning different types of investments to reduce overall investment risk. ⸻ Short-Term Investment An investment with a maturity of one year or less. ⸻ Long-Term Investment An investment with a maturity of more than one year. ⸻ Domestic Investment An investment issued by companies or governments within your own country. ⸻ Foreign Investment An investment issued by companies or governments outside your own country. ⸻ Financial Institution An organization that pools money from investors and makes loans or investments. Examples: * Banks * Insurance companies * Mutual funds ⸻ Financial Market A marketplace where buyers and sellers trade financial assets. Examples: * Stock market * Bond market ⸻ Individual Investor A person who manages and invests their own money. ⸻ Institutional Investor A professional organization that invests money on behalf of others. Examples: * Banks * Mutual funds * Pension funds * Hedge funds ⸻ Short-Term Investments Investments that mature in one year or less and have low risk. ⸻ Treasury Bill (T-Bill) A short-term U.S. government security sold at a discount and considered virtually risk-free. ⸻ Fixed-Income Security An investment that provides regular interest or dividend payments. Examples: * Bonds * Preferred stock ⸻ Mutual Fund A professionally managed investment that pools money from many investors to buy a diversified portfolio. ⸻ Exchange-Traded Fund (ETF) A diversified investment fund that trades on a stock exchange like a stock. ⸻ Hedge Fund A privately managed investment fund with higher minimum investments and greater risk than mutual funds. ⸻ Real Estate Land and buildings purchased as investments to earn rental income or increase in value. ⸻ Tangibles Physical investment assets other than real estate. Examples: * Gold * Silver * Artwork * Collectibles ⸻ Investment Horizon The length of time an investor expects to keep an investment before selling it. ⸻ Dividend A payment made by a corporation to its shareholders from company profits. ⸻ Capital Appreciation An increase in the value of an investment over time.

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Chapitre 1 2. Platon Greek philosopher who believed the best society is ruled by wise and educated leaders (“philosopher-kings”). 3. Polis An independent Greek city-state with its own government and laws. 4. Aristote Greek philosopher who believed government should work for the common good and serve its citizens. 6. Aristocratie A government ruled by a small group of noble or privileged people. 7. Oligarchie A government controlled by a small group of powerful or wealthy people. 11. Bureaucratie A system where government decisions are carried out by officials and administrators. 12. Pouvoir exécutif The branch of government that enforces laws and runs the country day-to-day. 13. Parlement An elected group of representatives that makes laws. 14. Gouvernement autoritaire A government where one leader or small group holds most of the power and limits freedoms. 15. Pouvoir législatif The branch of government responsible for creating laws. 17. Pouvoir judiciaire The branch of government that interprets laws and operates the courts. 20. Nationalisme Strong pride in and loyalty to one’s nation, culture, and people. 21. Hobbes Believed people are naturally selfish and need a strong government to maintain order and security. 22. Locke Believed all people have natural rights (life, liberty, and property) that governments must protect. 23. Rousseau Believed political power comes from the people and governments should follow the “general will” of society. 25. Constitutionnalisme The principle that government power is limited by a constitution and laws. 26. Adam Smith Father of capitalism; believed free markets and competition create wealth and prosperity. 30. Marx Believed capitalism creates inequality because the rich control production; supported a classless society. 31. La bourgeoisie In Marxism, the wealthy class that owns businesses and the means of production. 37. Monarchie héréditaire A monarchy where power passes from one family member to another through inheritance. 38. Magna Carta A document signed in 1215 that limited the king’s power and established that everyone must follow the law. 40. Rapatrié The return of people, cultural objects, or remains to their country or homeland. 41. Représentation proportionnelle An electoral system where parties receive seats in proportion to the percentage of votes they earn. ⸻ Chapitre 1 (suite) 43. Coup d’État The sudden and often illegal removal of a government from power. 45. Totalitarisme A system where the government controls nearly every aspect of society, politics, and daily life. 48. Référendum A direct vote by citizens to accept or reject a law or political proposal. 49. Organisation non gouvernementale (ONG) An independent organization that works on social, humanitarian, or international issues without being controlled by a government. ⸻ Chapitre 2 1. Idéologie politique A set of beliefs and values about how government and society should function. 2. Libéralisme An ideology that values individual rights, freedom, democracy, and equality before the law. 3. Conservatisme An ideology that values tradition, stability, and gradual change rather than rapid reform. 4. Échiquier politique A spectrum used to compare political beliefs, usually from left to right. 5. Centriste A person whose political views are moderate and fall between the left and right. 7. Libertarianisme The belief that people should have maximum personal freedom and government should have very limited power. 11. Égalitariste A person who believes everyone should have equal rights, opportunities, and treatment. 12. Utilitarisme The idea that decisions should create the greatest happiness or benefit for the greatest number of people. 16. Syndicats Organizations that represent workers and protect their rights, wages, and working conditions. 17. Totalitarisme A political system where the state has complete control over society and citizens. 18. Anarchisme The belief that society can function without a government or centralized authority. 19. Communisme A system where property and resources are collectively owned and social classes no longer exist. 21. Socialisme An economic and political system where important industries are owned or controlled by society or the government to reduce inequality. 23. Syndicalisation The process of joining or creating a labour union. 24. Socialisme démocratique An ideology that supports democracy while using government policies to reduce economic inequality. 28. Adam Smith Believed economic freedom, competition, and free trade benefit society. 29. Capitalisme An economic system based on private ownership, profit, competition, and free markets. ⸻ Chapitre 2 (suite) 30. Mercantilisme The belief that a country becomes richer by controlling trade and exporting more than it imports. 31. Laisser-faire An economic idea that government should interfere as little as possible in the economy. 32. Fascisme An extreme authoritarian ideology that promotes nationalism, obedience to the state, and strong centralized power. 36. Libre-échange Trade between countries with few or no tariffs, taxes, or restrictions. 37. Privatisation The transfer of a government-owned business or service to private ownership. 41. Nationaliser To transfer a private company or industry into government ownership. 46. Féminisme A movement and ideology that seeks equal rights and opportunities for all genders. 47. Mouvement social A group of people working together to create social or political change. 51. Écologisme A movement and ideology focused on protecting the environment and promoting sustainability. 54. Justice sociale Chapitre 3 1. Désobéissance civile The peaceful and deliberate breaking of a law to protest something considered unjust. 2. Religion civile Shared beliefs, symbols, and values that unite a nation and create a sense of national identity. 3. Religion d’État A religion that is officially recognized and supported by a government. 4. Diaspora A group of people living outside their ancestral homeland while maintaining ties to their culture. 5. L’Holocauste The genocide of approximately six million Jews by Nazi Germany during World War II. 6. Djihad In Islam, a struggle or effort in the service of God; it can refer to a personal spiritual struggle or, in some cases, armed defense of the faith. 7. Théocratie A form of government where religious leaders rule and religious law guides the state. 8. Suffrage The right to vote in elections. 9. Siècle des Lumières An intellectual movement of the 17th and 18th centuries that emphasized reason, science, and individual rights. 10. La séparation de l’Église et de l’État The principle that government and religious institutions should remain independent from one another. 11. Dogme A principle or belief accepted as unquestionably true by a religion or ideology. 12. Fondamentalisme A movement that seeks a strict return to the original principles of a religion. 13. Démographie The study of populations, including their size, growth, and characteristics. 14. Sionisme A political movement supporting the creation and preservation of a Jewish homeland in Israel. The idea that society should be fair and provide equal rights, opportunities, and access to resources.

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