Disease and violence from other groups
Encounters between European navigators, explorers, conquerors, colonizers, merchants, missionaries and "other" peoples and cultures over the course of 4 centuries. At an immediate and practical level, conquest, colonization and trade led to modes of domination or coexistence and multi-faceted transcultural relationships. In Europe, such encounters with "otherness" led to attempts to explain and interpret the origins and nature of racial and cultural (linguistic, religious and social) diversity. At the same time, observation of alien societies, cultures and religious practices broadened the debate on human social forms, leading to a critical reappraisal of European Christian civilization.
Saving is setting aside money you don't spend now, and you only use it for emergencies.
Investing is using some of your money with the aim of making it grow, by buying assets that might increase in value
Abraham is considered the be the father of all nations