Alam ng karamihan na ang stock market ay isang lugar kung saan pwede kang bumili at magbenta ng bahaging pagmamay-ari ng mga negosyo o kumpanya. Ang tawag sa mga ito ay “stocks.” Sayang lang at iniisip ng iba na walang katuturan ang pagbabago ng presyo ng stocks at ang pag-invest dito ay katulad lang ng paglaro ng lotto. Habang alam natin na may kumikita sa paginvest dito, baka naman isipin mo na kapag IKAW ang sumubok siguradong talo ka lang.
Kapag naintindihan mo kung paano gumalaw ang stock market, magkakaroon ka ng realistic na expectations mula dito at pabababain mo ang peligrong haharapin mo kapag ikaw ay mag-iinvest.
Most people know the stock market as a place where you buy and sell partial ownership of businesses, also known as “stocks”. Unfortunately, most people get the idea that the stock market’s price changes are random and that investing is no better than playing the lottery. While you KNOW some people can profit by investing in it, you might think that if YOU try you’ll end up losing… BADLY.
Well, if you understand how the stock market works and why it moves the way it does, then you can have realistic expectations and you’ll minimize the risks you’ll face when investing.
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Gagawa muna ako ng disclaimer. Ang article na ito ay opinion ko lamang na nakabase sa lahat ng mga personal finance at investing books na nabasa ko. Hindi ako financial planner at hindi rin ako investment professional kaya huwag mong basta basta susundin ang mga payo ko dito. Malamang magkapareho lang tayo, kaso nag-aral ako ng ilang mabuting investing books. Ngayon, kung ikaw din naman ay nakabasa at nagresearch sa mga magagandang libro, edi mabuti. Malamang hindi mo ganoong kailangan ang impormasyon dito. Kung wala ka pang nababasa, maayos na ring basahin mo ang article na ito para sa kaunti kang basic na impormasyong makukuha. Kakailanganin mo pa ring gumawa ng sarili mong research para mahanap ang investing style na magagamit mo.
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Alright, let me make a disclaimer first. This is article is merely my opinion based on all the personal finance and investing books that I’ve read. I’m no financial planner and I’m not an investment professional so take the advice here with a grain of salt. I’m likely just like you, except I studied a few good investing books here and there. Now, if you’ve ALSO read and researched some good books, then good. That means you probably won’t need this info. If you haven’t then just read this article for some basic information. You WILL still need to do your own research to find the investing style that works for you.
*Contributed by Eric Brown.
Financial management is a skill that many in the USA appear to have missed. The amount of credit card debt alone suggests that many regard their credit cards as a license to spend, often with little regard to whether they can afford the purchases. Consumers are paying a heavy price for the privilege of having a credit line and credit card companies are only too willing to profit from that. The high rate of interest they charge spells trouble for ordinary people who have not learnt the principles of good financial management and budgeting. Worse still, few seem to have the resources set aside to address a financial emergency. These things do happen and if people need to resort to even more card spending to address the problem, then their troubles are likely to worsen. Do you see yourself in this position?