为初学者投资

从今天开始降低债务。

致电800-449-0273。

除非您是股票经纪人,否则股市可能是一个神秘的事物,并且常常会令人生畏。您只是想拿出一些钱退休,因为这是您被告知要做的。您不知道自己要报名参加小数点,百分比和“首次公开募股”和“粉红单股票”之类的交易。

在市场的所有复杂因素之上,您必须接受这样一个事实,即您的资金无法保证增长。投资开始像是赌博,而您正在一家不讲您语言的赌场玩。但是,有了正确的专业知识,您就可以押注自己的未来并减轻风险。 

为了帮助我们更好地理解游戏以及赔率,我们请了财务专家和教育家Dyalekt。可以在播客上听到有关Dyalekt的财务状况 早午餐和预算,以及会议电路上。现在该做饭了!

*以下信息不应以任何方式解释为投资建议。

投资—参与游戏

口袋里的钱: 您会对那些对投资股票感到紧张的人说些什么?

Dyalekt: 这是个人感觉–我不喜欢股市。我认为股市是一件坏事。这没用。它使公司做超出其任务范围的事情,有时他们’可怕的事情,有时他们’re innocuous things. 

Either way, it’s working for the quarter rather than the actual mission of the company, which I just think is not great. That being said, if I want my money to beat inflation, I need to invest it. For folks who don’t get inflation: if you leave your money in a box and it doesn’t gain any interest and it doesn’t make any money, then your money will then be worth less in 10 or so years because of inflation. If I want my money to still be worth something, I should be investing. 

有人认为“Well, I don’不了解投资股票市场的知识,因为要完全多元化,您需要投资成千上万的公司,这意味着要投资于我不投资的公司’不喜欢这样的公司和从事不道德行为的公司。”我认为这些感觉必须得到承认。

这是我经历的旅程:我查看了我进行并实现的购买,这是因为许多公司都存在半垄断性,并且由于某些商品是必需品,所以这些公司中有很多已经在赚钱。如果他们’重新从我身上受益,我应该从他们身上受益。 

我可能对BP有问题,因为他们’是一家坏石油公司,他们’已经做到了,他们’做到了。但是当我’m在高速公路上的“空”上,他们’是那里唯一的加油站,我该怎么办?所以如果我’在游戏的一部分中,我需要表现得像我一样’m in the game.

不要赌博,多元化

Dyalekt: 现在,关于投资的事情是’不赌博。好吧,就像赌博一样,但是’我认为这对投资没有帮助。一世’非常想将您的投资用作未来的长期计划。

When it comes to the stock market, I remember I was at this one function where this guy was trying to tell people how they should start investing to get themselves out of poverty and he was like,“These kids out here buying these Nike shoes. Instead of buying one Nike shoe, buy one Nike stock.” For conventional wisdom, that is considered a smart thing to do, but they don’t understand the volume of Nike stock you need to buy to start making money off it.

When it comes to the way that we’re educated on stocks, there’s this idea that if you hop on the right train, it’s going to take you to “Rich Town”. If you had bought Google at the right time, if you had bought Apple or any of the other superstar celebrity companies at the right time and saw how it grew, then you would have been great. What we’re not understanding is that even if you’d bought these stocks when they first came out, you would have needed to have serious money to put in to be making serious gains.

由于风险以及风险的含义,多元化至关重要。这就是为什么当我们投资时感觉就像赌博一样’重新选货,因为它’好吧,只是直接挑选和投注哪个有效,哪个无效’t. 

When you have 10,000 companies that you’re invested in, you’re not worried about,“好吧,我会因为这家公司倒闭而损失全部金钱吗?”因为如果有10,000家美国公司倒闭,我的意思是’s The Purge. It’只是街道上的无政府状态。你什么’再赌的是美国经济。或者如果你’重新投资全球的东西,你’重新押注全球经济。

也许其中一个将是下一个Google,或者也许这四个公司全部倒闭,因为四个公司可以倒闭,那很好。

有些人会一直想,“但是我知道这种内幕的东西,我可以打败市场。” You probably can’t因为有些人的全部工作就是要确保他们在表现上胜过您。一世’我不是在说你’不要比他们聪明-也许您比他们聪明。可能是你’一样聪明。但是你’就像他们要做的那样,将不得不花费您的职业生涯来做。

I had a roommate who was a graphic artist. He made characters for video games and in my whole time knowing him, he only ever sold one character. It’s not because he wasn’t talented, it’s because his side gig was trading currency, which is not exactly the stock market, but has very similar things going on. He was like,“Oh, I’m going to have all this free time to create my characters and just make my money trading currency.” He spent 18 hours a day on that computer trading currency and was basically breaking even. The thing about gambling: the house tends to win because they build the house.

做好成功的投资准备

口袋里的钱:  我想确定自己是在投资而不是赌博,所以我现在该怎么办? 

Dyalekt: 对于新投资者,首先要做的是确保您拥有积蓄。确保你’好。一旦有了所有的积蓄,您就可以开始考虑投资了,因为投资并不是一件容易的事。

那里有一个很棒的叫做Quest的部落“我混合了现金,应交租金,面团.”了解这些事物之间的界限,并确保您有储蓄,因为人们总是会告诉您,“把钱投入其中,把钱投入其中。”通常说的人是如果您投入金钱就会得到报酬的人。确保您有可用的资金。 

关于投资的事情是,您赚取或损失的钱只有在您退出时才是真实的,而人们却没有’想的不够。当2008年的大崩盘冲击到来时,把钱留在股市上的每个人都没事。从那时起,市场开始反弹并继续上涨。但是,如果您因为需要钱而不得不掏出钱,那’s当你赔钱时。 

因此,请确保您有那个垫子。那’确保您可以控制自己的方式。当事情发生时–因为事情总是发生–你会没事的,你可以骑它。

关心钱& Yourself

Dyalekt: 关于预算的事情与其他所有事情一样:如果有的话’不是基于你的欲望和你想要离开这个世界的,那么’不上班。您’再来看看这些数字,他们’对你来说是陌生的。我的意思是,在谈论金钱个性时,我又像一个金钱僧侣,我的眼睛从字面上移开了。

口袋里的钱:考虑到我们的谈话,这听起来很有趣’re having right now.

Dyalekt: 对。我确实相信,作为教育工作者,只要切入点着眼于我们所要追求的目标,我们每个人都可以接受任何学科。我不’真的很在乎这样的钱。 

在个人提示上,当有人向我展示我需要关心钱以便能够应对社区的兴盛并创造出可以’对人们有所帮助,我全力以赴,因为这对我很重要。

口袋里的钱:  是的’在这一点上并不可怕。它’是我可以缠住手臂并做些事的东西。我可以自己塑造它。

Dyalekt: 是的’s not scary and the thing that you would place your fear on becomes something else. You place it on yourself. You’re not even worried about you at that point. When we work with folks, especially with young folks, we ask them,“Well, do you want to better yourself and make your life better?” they say, “Ah, well I’m okay,” because we’re all humble and we all have imposter syndrome. But when we ask, “Do you want to help other folks?” their eyes and ears perk up.

口袋里的钱: 通常从帮助自己开始。

Dyalekt: 是的’去年是一件大事。一世’我真的在敦促人们在开始建造之前确保我们的基础牢固。

口袋里的钱: It’飞机的基本规则:如果氧气从机舱中逸出,则第一个规则要戴在自己的口罩上。

Dyalekt: 是的,先戴上氧气面罩。真的,每个人在帮助他人之前都先戴上氧气面罩,以便您可以帮助他人。 

I say it a lot because I have to tell myself that. I have definitely been the person where I had $100 in my account and someone else needed $75 and I was like,“Sure.”I know how that goes and how you think you’re doing something good and you think you’re helping people. But if you put yourself in a place where then you need to ask for that money from other folks, then everybody’s crumbling all around each other, rather than building each other up.

关于MC Dyalekt

Dyalekt is an MC, educator, and playwright, usually all at once. He is based in Brooklyn, NY and has been a part of the NYC Hip Hop scene since 2003. He toured his first solo work, Square Peg Syndrome, throughout Europe, which led to him being named to The Public’s Emerging Writers Group in 2013. The album/one man show is also a 6-week curriculum on identity and literacy, piloted in 2008 in his hometown, St. Croix, USVI. He is the Director of Pedagogy for Pockets Change, a Hip Hop + finance youth organization, and has taught thousands of students. His most recent work, the Museum of Dead Words, is a Hip Hop theater show on communication and empathy in the age of the internet. He is a podcast host for the Race&Wealth Network and keynotes on how art, culture, and media are used to perpetuate racial wealth inequality.


本文中表达的观点和观点是嘉宾撰稿人的观点和观点,不一定代表“ 口袋里的钱”。