To risk, or not to risk, that is the question.

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Risk is a large part of fincancing and banking today. People have become billionaires because of the financial risk taken by them, however people have also lost all of their possesions to this wonderful horror. Both bankers and stock brokers jobs is to calculate and execute deals which will have a lot of risk, they must either take small risks and gain or lose only small amounts of money or take large risks and possibly lose large amounts but also maybe make large aounts as well.

In short with great risk comes great reward and great loss. But how much risk should different areas of the economy take. For example, who should take more risk, an experienced banker or a young consumer? I believe that we must have a certain level of experience to take on certain levels of risk. So, a new, young banker should take much less risk than another who has worked for many years and has excelled in this field.

Another factor which I believe should be taken into condsideration is the stage in development of the product in which the investor takes the risk. For example, the consumer should not be obliged to take much risk at all, but the producer should be the one to take the risk. This is because the consumer should not be required to have an uncertanity about their purchase in the product and it is the producers job to calculate and take the risk requried to develop a successful product.

Though I personally would take very little risk many have a different opinion to me. How much risk, do you think, is enough and what would you be comfortable to take risk in (e.g. company or product)? Is it worth taking, can you think of a way of calculating or working how much should be taken?

Comments (63)

  • Ravenscroft-logo-250x250.jpg strong_river
    Ravenscroft Primary School 3 weeks ago

    I would rather not risk because if we all would risk we would get the same horror that happened in 2008 and who would want that. That is the question.

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  • Ormiston-Bushfield-logo-250x250.jpg trusting_politics
    Ormiston Bushfield Academy 3 weeks ago

    The definition of risk is a situation involving exposure to danger. A few examples of risk is if you have ever played monopoly you will come across risks. One of the risks you can take is whether or not to buy a property. If you buy a property you could get an income when people land on it or if nobody lands on it you would be out of pocket. This could translate in real life to buying a property to buying a business. This would have a similar situation the business could thrive or it could go terribly and you could lose all your money.

    What I am trying to say is that I think that taking risks is part of life. Everything we do is a risk. I will admit that some risks are bigger than others but they all have the same concept. If nobody took risks nobody would get anywhere to the extreme of not moving of a couch in case you fell. I am definitely for taking risks. I think that risks can tell you a lot about a person's character. I found a lovely quote which sums up what I am trying to say nicely:

    Take risks:
    If you win, you will be happy
    If you loose, you will be wise

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  • Ormiston-Bushfield-logo-250x250.jpg benevolent_solution
    Ormiston Bushfield Academy 3 weeks ago in reply to strong_river's comment

    Though I do partially agree with this the loss and reward would, if the guidelines I specified in the article were followed, theoretically even themselves out balancing our economy, not destroying it.

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  • Millbank-logo-250x250.jpg polite_independence
    Millbank Academy 3 weeks ago

    I would not risk it for firstly its a gamble and secondly that's not allowed for my religion thirdly it will happen if you stop spending money

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  • Millbank-logo-250x250.jpg stellar_guitar
    Millbank Academy 3 weeks ago

    I agree, people who have worked for many years in their fields should be the ones "taking the risk." Other people may not know the horror that awaits them.

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  • Millbank-logo-250x250.jpg stellar_cricket
    Millbank Academy 3 weeks ago

    I would risk it because you can make money if you have enough skill.

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  • Ormiston-Bushfield-logo-250x250.jpg benevolent_solution
    Ormiston Bushfield Academy 3 weeks ago in reply to polite_independence's comment

    I'm not sure I understand your final point, what will stop?

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  • Tiff-Avatar.jpg Tiff @ the BNC 3 weeks ago in reply to trusting_politics's comment

    I love this monopoly example! Let's run with it!

    You don't even need to translate the monopoly property buying to business (though I like how you have). In real life, buying a property is a risk too. That's because when you buy it, you hope it will go up in value whilst you own it, so that you can get more money when you sell it.

    What other risks are there in monopoly? What are the most risky properties and why?

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  • Ormiston-Bushfield-logo-250x250.jpg benevolent_solution
    Ormiston Bushfield Academy 2 weeks ago in reply to strong_river's comment

    Though I do partially agree with this, the loss and reward would, if the guidelines I specified in the article were followed, theoretically even themselves out balancing our economy, not destroying it.

    Reply to this comment
  • Ormiston-Bushfield-logo-250x250.jpg benevolent_solution
    Ormiston Bushfield Academy 2 weeks ago in reply to Tiff @ the BNC's comment

    The properties which cost the most, like Mayfair and Park Lane, generate the greatest risk but also the greatest rewards. For example, Mayfair costs 400 of the Monopoly currency. This will cost you large amounts of money but if another player lands on the purchased property then you will reap greater rewards than if they landed on White Chapel Road.

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  • St-Josephs-Northfleet-logo-250x250.jpg energetic_conversation
    St Joseph's Catholic Primary School, Northfleet 2 weeks ago

    If you risk, there's a fifty fifty chance of the risk being GOOD... AND the risk being BAD. That's why I think you shouldn't take risks. If you just play safe then you STILL earn money AND you don't LOSE any money. If you play safe it doesn't necessarily mean you don't earn much money so that's technically ANOTHER reason why being safe is better than taking risks. If you're are safe and a millionaire loans a lot of money you play safe as they can DEFINITELEY pay back and you earn A LOT as he's a millionaire!

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  • Tiff-Avatar.jpg Tiff @ the BNC 2 weeks ago in reply to energetic_conversation's comment

    Does every risk have a 50/50 chance of being right or wrong? For example, if you have three pound coins and they go under three different cups and you have one extra cup which has no pound coin under it, is the risk of picking a cup with no pound coin under it 50/50?

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  • Ormiston-Bushfield-logo-250x250.jpg benevolent_solution
    Ormiston Bushfield Academy 2 weeks ago in reply to energetic_conversation's comment

    Most successful business' have made their money from taking a risk, those who won the lottery, for example, took a risk to gain that much money. Could you give an example of a successful person or people who became rich from not taking a risk?

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  • St-Josephs-Northfleet-logo-250x250.jpg energetic_conversation
    St Joseph's Catholic Primary School, Northfleet 2 weeks ago in reply to benevolent_solution's comment

    Jeff Bezos as he didn't take risks and he studied in creating websites and selling stuff and became the richest man in the world as he'd created Amazon.com

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  • Bruche-logo-250x250.jpg patient_river
    Bruche Primary School 2 weeks ago

    You don’t know what will happen if you take the risk.
    My last Burnett news session is were we played the risk game I took the risk and put 4 counters down. The numbers that I chose were incorrect and we lost 6 counters and lost the whole game

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  • St-Josephs-Northfleet-logo-250x250.jpg allowing_snail
    St Joseph's Catholic Primary School, Northfleet 2 weeks ago

    I think banks shouldn't risk, yes it's a 50/50 but if banks risk they might not their money back. So they'll lose money and if they keep losing money, the financial crisis (part 2) would happen. We're still trying to recover from the financial crisis that happened 10 years ago, so it would be better if we didn't risk any money then risk losing everything like what happened in 2008. So banks should have safer lending and stricter rules, ALSO BANKS SHOULD NOT RISK IT BECAUSE IF IT DOESN'T WORK THEN THEY'LL LOSE MONEY, WHAT'S THE POINT OF RISKING MONEY JUST TO GET A LITTLE BIT MORE?!?!!?!?!?!?!

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  • Ormiston-Bushfield-logo-250x250.jpg benevolent_solution
    Ormiston Bushfield Academy 2 weeks ago in reply to energetic_conversation's comment

    I disagree with this point: In 2013 he bought The Washington Post for a total of $250 million. This was a huge risk as if he had failed to continue to generate income from the newspaper then he would have lost huge amounts of money.

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  • Ormiston-Bushfield-logo-250x250.jpg benevolent_solution
    Ormiston Bushfield Academy 2 weeks ago in reply to allowing_snail's comment

    Though I agree that banks should be extremely cautious when taking risks they have to take some risks to generate more income for their banks. This benefits the investors as well as they will gain much more from dividends. A solution for the bank losing our own money is to set up an isolated section of the bank solely there to invest and take risks. This would mean that the loss would only affect that single area of the bank and not those who have put money into the bank.

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  • Ormiston-Bushfield-logo-250x250.jpg quickwitted_engineer
    Ormiston Bushfield Academy 2 weeks ago

    It is debatable indeed - ought risks be taken or should we play it safe. One argument would recommend that one who neglects risk can never succeed in their field; it is considerable also to note that risk-taking is a valuable trait of any affluent entrepreneur. He who undergoes risk is called brave - of course this concept simply cannot be argued- however what one defines brave as is a question worthy of altercation. Some might suggest that a stockbroker or banker essentially must be brave; others would propose that firemen or those who work in the military are courageous.
    A matter of opinion - it is indeed - for one to be considered brave or cowardly but in my own opinion, regardless of what the situation is, more can be gained from taking risks. Surely it is impossible from anyone to earn money that comes not from a paycheck unless they are attributed with a risk-taking character. The richest people in the world - Jeff Bezos, Bill Gates and Warren Buffet - couldn't have made their wealth had they not trusted in the horrors of uncertainty.

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  • Ormiston-Bushfield-logo-250x250.jpg benevolent_solution
    Ormiston Bushfield Academy 2 weeks ago in reply to patient_river's comment

    Though we cannot know what exactly will happen we can calculate, in a vague sort of way, the reward of loss which you will reap and show it as a ratio. For example, if a person asks for a loan of £50 and says that they will pay you back, over time, £100 then the risk/reward would be 2:1, a tempting offer. If that rose to £150 then it would 3:1. You can then use this data on the stock market and other investment methods to decide whether to take the risk or whether to leave it.

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  • St-Josephs-Northfleet-logo-250x250.jpg energetic_conversation
    St Joseph's Catholic Primary School, Northfleet 2 weeks ago in reply to benevolent_solution's comment

    Whenever you take a risk it is never a safe option as there's always more of a chance of risk than the first digit in your ratio being higher.

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  • St-Barnabas-logo-250x250.jpg digital_concept
    St Barnabas C of E Primary School 2 weeks ago

    I wouldn't risk it because the banks might have anough money for a house

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  • St-Barnabas-logo-250x250.jpg loyal_pear
    St Barnabas C of E Primary School 2 weeks ago

    You don't really know what will happen if you take the risk and if you don't take the risk then a bad thing might happen to some one else

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  • St-Barnabas-logo-250x250.jpg lovely_acorn
    St Barnabas C of E Primary School 2 weeks ago

    I think it is a risk because what if you don't have enough money for a home you (might) have to pay back the money that you have received.

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  • St-Barnabas-logo-250x250.jpg blissful_mode
    St Barnabas C of E Primary School 2 weeks ago

    It is not good to risk for you may lose a lot of money

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  • St-Barnabas-logo-250x250.jpg blissful_harp
    St Barnabas C of E Primary School 2 weeks ago

    I would never risk in a million years because I could lose money

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  • St-Barnabas-logo-250x250.jpg crafty_speech
    St Barnabas C of E Primary School 2 weeks ago

    I think that you can borrow the money from the bank but you have toay back

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  • St-Barnabas-logo-250x250.jpg strong_eel
    St Barnabas C of E Primary School 2 weeks ago

    I think that it's a big risk

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  • St-Barnabas-logo-250x250.jpg nice_dolphin
    St Barnabas C of E Primary School 2 weeks ago

    Don't risk because it will affect the banks and us as well.

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  • St-Barnabas-logo-250x250.jpg funny_flute
    St Barnabas C of E Primary School 2 weeks ago

    I think we should let people borrow money for a house

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  • St-Barnabas-logo-250x250.jpg strong_eel
    St Barnabas C of E Primary School 2 weeks ago

    Because there a bigger chance of winning

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  • St-Barnabas-logo-250x250.jpg gentle_parrot
    St Barnabas C of E Primary School 2 weeks ago

    Taking money from the bank is a huge risk for people ,banks and your family because you're taking there money and not paying it back then the bank would get the blame

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  • St-Barnabas-logo-250x250.jpg elated_parrot
    St Barnabas C of E Primary School 2 weeks ago

    I think it depends on the type of risk. For example, if you had the money to pay for the loan or at least for the first few payments then take the risk and if it payed of than whatever you took the loan for has a high chance of working. On the other hand, if it doesn't pay off than the high chance is on you losing a lot of money and it is possible for you to lose your house.

    In conclusion, I wouldn't take a risk as long as it has a high probability of working the way you want it to. Therefore, if you had a dice and you chose 4 numbers tan I would take the risk because you have a high chance (4/6)of getting the number you chose.

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  • Claire @ the BNC 2 weeks ago in reply to funny_flute's comment

    Hi funny_flute. What if the person who wanted to borrow money for the house didn't earn very much, do you think it would be a good decision for the bank to lend them money?

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  • Ormiston-Bushfield-logo-250x250.jpg benevolent_solution
    Ormiston Bushfield Academy 2 weeks ago in reply to energetic_conversation's comment

    Ah, sorry. Spelling mistake, it should be 1:3 to 1:2. The reward, in these examples, are higher.

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  • Notley-Green-logo-250x250.jpg amiable_information
    Notley Green Primary School B 2 weeks ago

    I really like your article🙂😛

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  • Notley-Green-logo-250x250.jpg honest_wilddog
    Notley Green Primary School B 2 weeks ago in reply to strong_river's comment

    I think government are most to blame because the were not overlooking the banks to make sure they didn't do anything wrong it was also the bankers bosses and bankers the bosses were telling them you can make risks for money and the bankers did it

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  • Notley-Green-logo-250x250.jpg honest_wilddog
    Notley Green Primary School B 2 weeks ago

    But that's just my opinion

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  • Notley-Green-logo-250x250.jpg honest_wilddog
    Notley Green Primary School B 2 weeks ago

    I need proof if the government are denying it and saying the bankers made it happen if you all add it up it is kind of the governments fault

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  • Noel-Park-logo-250x250.jpg fearless_wolverine
    Noel Park Primary School 2 weeks ago

    In my opinion, the question shouldn’t be whether or not we should risk but what kinds of risks we should be taking. The kind of risk is much more important, and has a much greater impact on whether or not it is likely to pay off.
    One reason I believe this is that I strongly believe that taking risks is a part of life. At any time of your life, you may come across a time where you have to decide whether or not to take a risk, and whether it is a good idea. Let’s look at starting a business, for example. Doing this always requires you to take a risk: it is unlikely you will ever have that amount of money to just throw away, regardless of whether you are borrowing it from the bank or have saved it yourself. The possibility of success changes depending on other factors, for example what type of business you wish to start, whether or not you have experience in running a business, whether or not you have already tried out the idea to some success etc.
    Gambling, for example, is a type of risk that is much more unlikely to end successfully, from both a financial viewpoint and in terms of mental health. If you spend money and you win, you may want to win more since it can be exciting and you may get addicted to it. As a result, you will keep spending money. In the end, you might have spent more than you gained. If you lose, you may be determined to win and keep spending your money. Again, you might have lost more than you gained.
    I’m sure it is very clear which of these two risks has been more thought through, and which is more likely to have a chance of success. Risk, as I’ve already said, is a part of life, and one which I think we should embrace with excitement. However, risk that is not carefully considered can end badly so choose your risks carefully.

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  • Noel-Park-logo-250x250.jpg authentic_moon
    Noel Park Primary School 2 weeks ago

    I think that it’s good to take a risk if you think that it is a 90% that you want to open a shop it could pay off. If it’s a bad deal like if the person you want to invest with, say there is a 80% chance that if you own a shop it will close down.

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  • Noel-Park-logo-250x250.jpg cherished_petal
    Noel Park Primary School 2 weeks ago

    In my opinion, you should not risk because if it was a financial crisis it would be a very big mistake for it could happen any time. Also the chance of you winning a lot of money is very low, and saving up massive amounts of money is much better than just losing it all every time. If you plan on making a small business or getting a house, saving up money in a few months or years is better than doing all the hard work than losing it from greed.
    However, if you have enough luck in gambling maybe try but not get addicted to it. If you win, you will probably want to do it again, if you lose, you will probably want to do it again to win the money back.
    But I personally think that the risk is too high and if you want to gain money just save up and not lose everything from a risk you could off avoided.

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  • Noel-Park-logo-250x250.jpg capable_sea
    Noel Park Primary School 2 weeks ago

    I think that taking risks is part of life. Everything we do in life is a risk. For example, if you had money to pay the loan then take the risk and if it works out then whatever you took the loan for a high chance of working. On the other hand, if it doesn’t pay off then you have a high chance of losing a lot of money and maybe even your house.

    In conclusion, I would not take a risk only if there was a high possibility of it working the way I want it to.

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  • Noel-Park-logo-250x250.jpg capable_wombat
    Noel Park Primary School 2 weeks ago

    I think it is not a good decision to risk however some risks can result with benefits, for example gambling is a huge risk as it is very addicting because if you win you want to win more money and if you lose you want to win your money back however if you invest into a business where you sell in your and your partners book shop and you buy new books for customers interest, you can benefit a lot of money however it also matters if you have experience in running a business and if you have the money to buy a space and all that goes with it so my opinion is to not take huge risks as risks are affecting your lives at all time.

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  • Olivia-Avatar.jpg Olivia @ the BNC 2 weeks ago in reply to fearless_wolverine's comment

    I've given you a star here for your good reasoning. Well done! Can anyone provide any counter examples to this comment?

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  • Noel-Park-logo-250x250.jpg marvellous_tree
    Noel Park Primary School 2 weeks ago

    I think that it’s good to take a risk only if you are 80% sure that the risk will pay off. If it’s a bad deal like if the person you want to invest with say there a 70% chance you shop will close down there still a risk but it’s not a high risk. But still it’s still a risk. So I think it best to not take a risk. So all in all if you take a risk it could be worth.

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  • Noel-Park-logo-250x250.jpg agreeable_blackberry
    Noel Park Primary School 2 weeks ago

    In my opinion taking risks in life is a really serious thing to do because you could lose all your money like some people bet and then if they win the would get addicted and then keep on thinking they would win and they would probably lose all there money.

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  • Noel-Park-logo-250x250.jpg terrific_leopard
    Noel Park Primary School 2 weeks ago

    I think you shouldn’t take a risk because if you do there is a very small chance of you making a lot of money. Also if your investment or business does not go well things won’t look good because you would be in a lot of debt. Meaning council would take lots of things that are valuable from you because you won’t have any money to pay the council

    However If you do take a risk and things go well its good because you will have good money and you will be able to pay the bank back. Also you business will get more successful

    However personally I think you shouldn’t take a risk because there a very high chance things won’t go well and if things go wrong it hard to fix it

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  • Noel-Park-logo-250x250.jpg incredible_jambul
    Noel Park Primary School 2 weeks ago

    Honestly, I think that it depends on the risk because if you take the risk you could face the consequence or if you don’t you will have regrets sometimes I think that because that happened to me and my nerves took control and I took the risk and did not get caught .

    If the consequence is too much then I advise not to take the risk since you have a high chance of facing the consequence etc. If you get a loan to start a business you have to pay back the loan but if the business fails you cannot pay back the loan which isn’t great. There are also other risks to take which have a more high chance of failure and money loss. If the risk is more beneficial and will end successfully I advise take the chance if you take a risk.
    What I think is that you should choose your risk wisely.

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  • Elaine-logo-250x250.jpg victorious_snow
    Elaine Primary School 2 weeks ago

    I would say choose the right thing no matter how risky it is because our life is full of options which we would decide and then see the risks that our options cause.Of course, not all of our options will be easy to achieve what we want; we need to take risks and that is what an interesting life would be. If we chose an option that led to failure then that is what supposed to happen, It only means an experience which, next time, will lead us to success.

    I would just choose what ever is correct for me no matter whatever difficulty is behind it because at one point, I am going to have the happiness by choosing the right thing. And by saying the 'right thing', I mean whatever I like at that point or somethhing I like within my options.

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  • Noel-Park-logo-250x250.jpg cultured_atom
    Noel Park Primary School 2 weeks ago

    I think that if you risk you can lead yourself to victory but for some people they don't have the luck and they end up loosing things.I watched the video and their was this man who got a loan and bought a place where he could build a barbershop.When the he added the finishing product to the shop and opened the shop he had a person that came in the barbershop and more and more came until he could pay his loan back and all the other payments (Kameron.)
    On the other hand there was another man that tried to risk the chance of investing in a business ,but sadly he didn't have the luck Kameron he actually ended up having to leave his home and move in a cheap flat!
    My prospective about this whole situation is that never risk the chance ,and just never give up and work even harder to earn what you want!

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  • Ormiston-Bushfield-logo-250x250.jpg benevolent_solution
    Ormiston Bushfield Academy 1 week ago in reply to cherished_petal's comment

    Though I do agree with you on some points just "saving up" is also a risk. For example, if you have £10 and don't spend or invest it then you are taking a risk. This is because the worth or value of the Pound Sterling increases and decreases over time. If you spend nothing and the worth of the pound goes down you have made a loss. And an increase and gain.

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  • Ormiston-Bushfield-logo-250x250.jpg benevolent_solution
    Ormiston Bushfield Academy 1 week ago in reply to Olivia @ the BNC's comment

    In response to fearless_wolverine, if the business being set up RELIED on them or customers taking risk then even if the owners had large amounts of experience then it would still be very risky but also very rewarding. An example of this would be Paddy Power, a betting company (which relies heavily on clients taking risk) and Barclays, the bank (whose entire job is to take calculated risk)

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  • Weston-Favell-logo-250x250.jpg methodical_engine
    Weston Favell Academy 1 week ago

    taking risks can lead the money path or the bankrupt path. if you win when you take a risk , you get a higher chance of money, but if you fail, your money slides down into the banks and you become poor

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  • Boston-Spa-logo-250x250.jpg sceptical_honeydew
    Boston Spa Academy 1 week ago

    I personally think people should not risk gambling

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  • New-Horizons-logo-250x250.jpg generous_recipe
    New Horizons Children's Academy 1 week ago

    I think it depends on the probability of what you are risking or not. For example if you are risking on trying something new, I would because there is a 50% chance of getting it wrong or right but there is a 100% chance of learning something new. I think when you risk you should always look at the pros and cons to decide whether to or not.

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  • Evelyn-Street-logo-250x250.jpg placid_meerkat
    Evelyn Street Primary School 1 week ago

    'So, a new, young banker should take much less risk than another who has worked for many years and has excelled in this field.' They said in this article. But wouldn't a new banker be trained to take risks but just not any risks that could mess up the banking systems and wouldn't that risk be banned but I agree with what your saying, 'If you don't have the experience and ability avoid the complicated questions.'

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  • Hanson-logo-250x250.jpg methodical_tomato
    Hanson Academy 4 days ago

    I agree with this article because if we do not take a risk then we might end up with nothing but if we do take a risk then maybes something good or positive comes out in the end

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  • Hanson-logo-250x250.jpg eager_tamarillo
    Hanson Academy 4 days ago in reply to trusting_politics's comment

    yes and making mistakes helps you learn

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  • New-Horizons-logo-250x250.jpg genius_duck
    New Horizons Children's Academy 4 days ago

    Lots of people can do mistakes some learn from their mistakes and made it better .

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  • Bruche-logo-250x250.jpg appreciative_shark
    Bruche Primary School 3 days ago

    Taking risks could be good but also bad and if you don’t make risks you won’t get anything back so it is ok to take risks.

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  • Faringdon-logo-250x250.jpg fantastic_duck
    Faringdon Community College 2 days ago

    I think taking risks is definitely good, without risks, we would never get anywhere with life. If no one took risks, there would be no companies, no Nike, no Mcdonalds, no anything. Because it is a risk to start a business, there is no assurance that it will work out, you might end up in debt, but my point is, risk is a good idea.
    However with risk, I have a point that I think it is important to make. With risk, I think that anyone involved or affected by that risky decision should have a say in it and know about it. For instance, if I wanted to start a baking business and wanted a loan from my friend, I should let them know exactly my plan, and make them aware that there is a significant chance that my business may fail and that they may never get their money back, not just telling them all the advantages like ‘we could be rich’, ‘it’ll work out’. And also, to use the same bakery example, anyone who will be affected by it should have a say to, for instance if I was older when starting this bakery and I had a partner and we needed money, I should inform them of this risk because if I couldn’t earn the money in the bakery business, it would affect them too.
    In relation to the financial crisis, banks can take risks. However, I believe that they should have full transparency about the risks that they are going to take so the person can decide if they think this risk is worth it or if they don’t want to be with this company because it might lose them money. This is because, if banks take a risk without their customers knowing about it, and the risk backfires, then the customers are being negatively affected by something that isn’t their fault. However, if the customers know about the risk, and the pro’s and con’s of it they can make a balanced, wise decision about whether they are prepared to take the risk or not and if the risk backfires that is their decision, not something that was affecting that wasn’t their decision.
    If the banks who took those risks had consulted those who it actually affected (the ordinary people), I’m sure that people would of not been Ok with it, banks wouldn’t have taken those risks and so the financial crisis wouldn’t have happened. It just affected soooo many people but banks were just too greedy for money and they didn’t consult their customers as they knew they wouldn’t be happy about it.
    To summarise, my opinion is that risks are sometimes a good idea. People can take as many risks as they want, and banks can too as long as they consult and listen to everyone affected by it, making sure they are O.K. with the risk. For banks is difficult as their decisions can indirectly and directly affect millions upon millions of people, but if the risk is reasonable most will agree to it. People are intrusting their hard-earned money into banks and so THEY should be the ones who decide where this money goes and what risks are taken with it.

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