WEBVTT - Banking for Beginners

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<v Speaker 1>Hey there, welcome to Grown Up with Emily, a Lingo

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<v Speaker 1>kids podcast. It helps kids discover how to be whatever

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<v Speaker 1>they want to be growing up. Well, hey, Winson, did

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<v Speaker 1>you know that one really big, well known bank began

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<v Speaker 1>because of a massive earthquake?

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<v Speaker 2>Really that's crazy. How did earthquake help start a bank?

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<v Speaker 2>Talk about a shakeup.

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<v Speaker 1>We'll find out today as we explore the world of

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<v Speaker 1>busy bankers. Hey there, Winson.

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<v Speaker 2>Oh hey, what's up? Emily?

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<v Speaker 1>Just getting ready to go run to Eron's. Can you

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<v Speaker 1>put this big jar on the table for me?

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<v Speaker 2>Oh? Sure? Oh this is really heavy.

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<v Speaker 1>Yeah, yeah, I care for Winston. Keep it steady, don't

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<v Speaker 1>let it go.

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<v Speaker 2>It's fragile, it's wife. Uh sorry, Emily, I didn't mean

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<v Speaker 2>to smash your coin jar.

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<v Speaker 1>Oh don't worry, Whinston. It's just a piggy bank. I

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<v Speaker 1>was planning on taking it to the bank later. No

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<v Speaker 1>big deal.

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<v Speaker 2>Wait that jar full of coins was your piggy bank?

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<v Speaker 2>Oh man, now I feel really bad. Hold on, aren't

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<v Speaker 2>piggy banks usually shaped like piggies?

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<v Speaker 1>Well some of them are. I want to know where

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<v Speaker 1>the name piggy bank actually comes from.

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<v Speaker 2>Sure?

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<v Speaker 1>Well, back in the Middle Ages, people kept coins and

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<v Speaker 1>bowls and jars made out of a kind of orange

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<v Speaker 1>clay called pig pygg, which is spelled differently than pig

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<v Speaker 1>pig the animal.

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<v Speaker 2>WHOA, So old timey people kept their money in jars,

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<v Speaker 2>just like you. Yeah, you know, Emily, I was wondering

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<v Speaker 2>why do we need coins today? Anyway? Most people just

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<v Speaker 2>buy things with their phones or computers or credit cards

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<v Speaker 2>you tap on little screens at the store.

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<v Speaker 1>You're right, most banking is done online these days.

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<v Speaker 2>But before computers and all that, people just carried money

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<v Speaker 2>around with them, right, like coins and dollars. Yep.

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<v Speaker 1>And a really long time ago, there were only coins

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<v Speaker 1>or other valuable things people used to sell and trade,

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<v Speaker 1>like spices or silver or sparkly valuable gymstones.

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<v Speaker 2>Whoa, So there were banks that kept spices? Were there

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<v Speaker 2>cinnamon banks? What about candy banks? I'd like to work

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<v Speaker 2>there me too.

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<v Speaker 1>Well, in ancient times, people would store really valuable things

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<v Speaker 1>and temples instead of banks, not candy, I don't think,

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<v Speaker 1>but more than coins, for sure, and that developed into

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<v Speaker 1>early versions of the banks that we used today.

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<v Speaker 2>It must be really boring to be a bank person

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<v Speaker 2>these days.

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<v Speaker 1>You mean people who work at the banks. They're called bankers,

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<v Speaker 1>all right.

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<v Speaker 2>But yeah, people don't really need to go into banks

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<v Speaker 2>anymore because they just go online to check their money. Right.

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<v Speaker 2>I wouldn't like sitting there all alone in the bank

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<v Speaker 2>all day with no one to talk to if I

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<v Speaker 2>was a banker these days.

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<v Speaker 1>Oh, I can see why you'd think that, Winston. But

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<v Speaker 1>there are still a lot of reasons people need to

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<v Speaker 1>go into banks, and there's a lot of different types

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<v Speaker 1>of bankers too, but they mainly help people manage their money,

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<v Speaker 1>save it and keep track of it. Oh. Here, I

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<v Speaker 1>think we got them all. Thank you so much for

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<v Speaker 1>helping me pick those up. Sure thing, you're welcome, No

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<v Speaker 1>pig deal, I get it, very clever, Winston.

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<v Speaker 2>Hey, if this piggy bank was a real bank, what

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<v Speaker 2>would I do if I worked there?

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<v Speaker 1>Right? Let's see, Okay, you pretend to be the banker. Okay, okay,

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<v Speaker 1>So bankers that work in the bank behind the counter

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<v Speaker 1>are called personal bankers and all be the customer or

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<v Speaker 1>clients the coins in the bowler. So that would be

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<v Speaker 1>my bank account.

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<v Speaker 2>Oh okay, hello, ma'am, welcome to Piggy Savings Bank. I'll

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<v Speaker 2>be your banker today.

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<v Speaker 1>It's stilly Hi there, mister banker, I'd like to make

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<v Speaker 1>a deposit.

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<v Speaker 2>Please, okay, deposit. I don't know what that is, but

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<v Speaker 2>I will try to help.

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<v Speaker 1>Okay, So I give you the banker, some money, and

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<v Speaker 1>you add it to my account. And also, sir, I'd

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<v Speaker 1>like to withdraw funds.

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<v Speaker 2>Oh withdraw say? Does that mean I give you some

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<v Speaker 2>of your money back?

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<v Speaker 1>Yes, exactly Whinson.

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<v Speaker 2>And also I count your money. I probably have to

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<v Speaker 2>be good at math, which luckily I am.

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<v Speaker 1>Today bankers have special machines that help them count money too,

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<v Speaker 1>which is very helpful.

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<v Speaker 2>Oh, robocounters nice. And they have machines that can deposit

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<v Speaker 2>checks for you too, right, I've seen those before.

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<v Speaker 1>Exactly. Now, you the banker, also get to take a

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<v Speaker 1>few coins for yourself too.

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<v Speaker 2>Oh boy, for real. So the bankers make some money too.

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<v Speaker 1>Of course, as the banker, you helped keep my money safe.

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<v Speaker 1>So the bank and people who work there need to

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<v Speaker 1>be paid for their work too.

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<v Speaker 2>Hey, Emily, I bet I can guess the first banker

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<v Speaker 2>that ever existed.

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<v Speaker 1>Really, Okay, then give it a try.

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<v Speaker 2>Uh Okay, Well, I bet it was someone who kept

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<v Speaker 2>people's gold safe way back during the gold rush when

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<v Speaker 2>people were digging for big old nuggets. I've seen a

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<v Speaker 2>lot of old movies about sneaky old gold robbers.

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<v Speaker 1>Oh, I love those movies. And actually a lot of

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<v Speaker 1>banks did start up during the gold Rush because so

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<v Speaker 1>many people were striking it rich. In the wild West.

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<v Speaker 1>A merchant called Amadeo Piedro gn Me started a bank

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<v Speaker 1>of his very own. In fact, Gani invented some of

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<v Speaker 1>the banking systems we still use today. Hey, why don't

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<v Speaker 1>we take a trip back in time to check out

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<v Speaker 1>what he did?

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<v Speaker 2>That would be awesome. Okay, go for it, due, Emily,

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<v Speaker 2>did you snap us into the middle of an earthquake? Caikes,

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<v Speaker 2>those wooden buildings are all shaky. And look the water

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<v Speaker 2>tower down the streets tipping over. Watch out for that

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<v Speaker 2>horse carriage, Emily, woo.

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<v Speaker 1>This is San Francisco in nineteen o six and that

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<v Speaker 1>was a big earthquake. Winston, Oh, don't worry, we're safe.

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<v Speaker 1>It's all over good.

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<v Speaker 2>I'm glad. But it looks like a lot of the

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<v Speaker 2>wood buildings fell down. That's so sad.

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<v Speaker 1>Yeah, it is really sad. The nineteen oh six earthquake

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<v Speaker 1>in San Francisco is a pretty famous one that did

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<v Speaker 1>a lot of damage. But it's also part of the

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<v Speaker 1>story I want to share with you about banking. Today.

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<v Speaker 2>Everyone's rushing around and panicking except for that guy with

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<v Speaker 2>the big mustache standing by the saloon looking building.

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<v Speaker 1>That man is Amideo g Nym, the banker I told

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<v Speaker 1>you about, and that is his first bank, the Bank

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<v Speaker 1>of Italy, which was inside an old saloon he fixed

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<v Speaker 1>up to be a bank. Good observation, Winston.

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<v Speaker 2>Wait, the Bank of Italy. But you said this with

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<v Speaker 2>San Francisco. Why would the Bank of Italy be all

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<v Speaker 2>the way here?

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<v Speaker 1>Great question. Giannini came from a family of immigrants from Italy.

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<v Speaker 1>He started working in the family business as a merchant

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<v Speaker 1>who sold fruits and vegetables, but later he worked as

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<v Speaker 1>a director at the large bank here in San Francisco.

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<v Speaker 1>But while working there, Gianini noticed something he really wanted

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<v Speaker 1>to change.

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<v Speaker 2>He thought all banks should be inside smelly old saloons.

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<v Speaker 1>No, not exactly, Winston. Gianini noticed that most banks at

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<v Speaker 1>the time would only open accounts for very wealthy people.

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<v Speaker 1>And you know he didn't think that was fair.

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<v Speaker 2>Wealthy so rich people, huh, I mean, I guess that

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<v Speaker 2>makes sense. You do need money to use a bank.

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<v Speaker 1>That's true, but the hard working immigrants made money too,

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<v Speaker 1>and they also needed a place to keep it safe.

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<v Speaker 1>Gianini trusted these people to save and pay back money

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<v Speaker 1>that they borrowed. And since the other banks only helped

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<v Speaker 1>those who already had big bucks, Giannini decided to start his.

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<v Speaker 2>Own Oh I get you, and he called it the

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<v Speaker 2>Bank of Italy because that's where his family came from. Right,

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<v Speaker 2>very cool. But did his bank only help people who

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<v Speaker 2>were from Italy?

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<v Speaker 1>No, it was for everyone, whether you had a little

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<v Speaker 1>or you had a lot. Oh and guess what was

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<v Speaker 1>happening close to San Francisco at the time. What's that, Emily, No,

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<v Speaker 1>I'll give you a hint. You already mentioned it back

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<v Speaker 1>at the lab.

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<v Speaker 2>The California gold Rush.

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<v Speaker 1>Yes, the California gold Rush. So gian Nini went door

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<v Speaker 1>to door explaining how their gold and silver would be

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<v Speaker 1>safer in his bank than under their beds.

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<v Speaker 2>And it worked.

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<v Speaker 1>His bank became a huge success.

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<v Speaker 2>That's awesome. But what made his bank better than the

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<v Speaker 2>other ones?

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<v Speaker 1>Well, Giannini saw what was happening after the earthquake and

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<v Speaker 1>had a great idea. He knew there were fires and

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<v Speaker 1>some of the fallen buildings due to the earthquake, and

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<v Speaker 1>he thought pretty soon a lot of the city would

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<v Speaker 1>burn down.

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<v Speaker 2>Yikes, that's scary, I know, but.

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<v Speaker 1>He was right. So Giannini took his bags of gold

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<v Speaker 1>coins and put them in the back of his big

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<v Speaker 1>wagon to keep it safe, and the driver helped him

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<v Speaker 1>take the money away to his house way out in

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<v Speaker 1>the country, away from the fires.

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<v Speaker 2>What mud be afraid of robbers and bandits?

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<v Speaker 1>Uh huh. But get this, he hid the money behind

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<v Speaker 1>bags of garbage in the wagon, so no one knew

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<v Speaker 1>and the gold coin stayed safe.

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<v Speaker 2>Oh wow, that's a pretty smart banker, Emily.

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<v Speaker 1>You're right, because guess what. All the other big banks

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<v Speaker 1>had huge metal vaults full of pay for money, and

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<v Speaker 1>after the earthquake, the fires burnt the city and made

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<v Speaker 1>the vault really really hat.

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<v Speaker 2>Why didn't they just get special firemen's gloves and take

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<v Speaker 2>all the money out.

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<v Speaker 1>Well, because the fires burned for a long time, so

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<v Speaker 1>they couldn't open the vaults. If they did, the fire

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<v Speaker 1>would rush in and burn all the paper money inside,

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<v Speaker 1>So people had to wait weeks and weeks and weeks

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<v Speaker 1>until they were able to get that money, and they

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<v Speaker 1>got pretty frustrated.

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<v Speaker 2>So it paid off to have money and coins.

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<v Speaker 1>Yes, it paid off.

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<v Speaker 2>So then Giannini used his gold coins to build up

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<v Speaker 2>his bank, a bank that would help everyone, not just

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<v Speaker 2>the rich people.

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<v Speaker 1>He did. Giannini decided to set up a bank on

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<v Speaker 1>the sidewalk since he was the only banker who could

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<v Speaker 1>do business while the others waited to open up, and

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<v Speaker 1>he lowed people money to rebuild after the big earthquake.

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<v Speaker 1>And his bank became so successful that he opened new

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<v Speaker 1>locations all over the world, and his bank got a

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<v Speaker 1>new name, the Bank of America. You can still visit

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<v Speaker 1>them today.

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<v Speaker 2>Oh wow, And all from a bank that starts in

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<v Speaker 2>some old pub in the wild West. If I was

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<v Speaker 2>going to start a new kind of bank, I'd start

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<v Speaker 2>one for kids, because normal banks don't really let kids

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<v Speaker 2>use them.

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<v Speaker 1>Actually, some kids do have their own bank.

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<v Speaker 2>Accounts, But what about a bank just for kids.

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<v Speaker 1>Definitely a new kind of bank.

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<v Speaker 2>Let's go back to the lab. We can take your

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<v Speaker 2>coins to the bank and then we can work on

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<v Speaker 2>my bank plan.

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<v Speaker 1>You're right, Winston, Back to the lab.

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<v Speaker 2>Are you ready for Winston's billion dollar Banker Quiz show.

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<v Speaker 2>I've searched up a few fun trivia questions about bankers

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<v Speaker 2>for you.

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<v Speaker 1>Okay, I'm ready, Whinson.

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<v Speaker 2>Question one, what does a banker mainly help with? Is

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<v Speaker 2>it A designing new coins and bills, B helping people

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<v Speaker 2>save and manage their money, or c giving tours of

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<v Speaker 2>the bank.

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<v Speaker 1>Oh good question.

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<v Speaker 2>Hmm.

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<v Speaker 1>Designing new coins would be really fun, but I think

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<v Speaker 1>the correct answer is B. Bankers help people save and

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<v Speaker 1>manage money, ding mingding.

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<v Speaker 2>That is right, very good, Emily, and that is why

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<v Speaker 2>you're the boss. Okay, that was an easy one though,

0:12:10.320 --> 0:12:11.640
<v Speaker 2>because we talked about that today.

0:12:12.200 --> 0:12:12.559
<v Speaker 1>All right.

0:12:12.720 --> 0:12:16.000
<v Speaker 2>Question two, what could a banker do for a person

0:12:16.040 --> 0:12:19.120
<v Speaker 2>who wants to save money? Is it A give them

0:12:19.160 --> 0:12:23.400
<v Speaker 2>personal shopping advice, B offer them art classes, or c

0:12:24.040 --> 0:12:25.800
<v Speaker 2>help them open a savings account.

0:12:26.080 --> 0:12:30.560
<v Speaker 1>Ooh okay, personal shopping advice might help, but I don't

0:12:30.559 --> 0:12:34.440
<v Speaker 1>think bankers do that. So let's say, see help them

0:12:34.480 --> 0:12:36.600
<v Speaker 1>open up a savings account, ding ding ding.

0:12:37.080 --> 0:12:38.240
<v Speaker 2>You are on a roar.

0:12:39.440 --> 0:12:41.679
<v Speaker 1>I think that's all the time we have for today, Winston.

0:12:41.880 --> 0:12:44.720
<v Speaker 1>We can continue this later. Thanks for joining us today

0:12:44.760 --> 0:12:48.280
<v Speaker 1>on our big Banker adventure. Whether you're saving pennies in

0:12:48.320 --> 0:12:52.280
<v Speaker 1>your own piggy bank or dreaming big, every banker starts

0:12:52.280 --> 0:12:55.520
<v Speaker 1>with an interest in numbers and helping others. See you

0:12:55.559 --> 0:13:18.520
<v Speaker 1>next time, he Winson. Are you curious for more, check

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