Investing: Here, Now,

 Plus, the Future.

    Invest and save for the future, put your money to good use, think about retirement, ect… As we enter 2017, these concepts are often quoted in abundance. However, what does it really mean? For an individual, working for someone else could provide constant employment and stability. The worker then hopes the company sticks around until they are eligible for retirement, receive a check from the government, 401k, and/or pension from the employer for the years of service. For small business owners, some of the above mentioned perks are not a viable option. Business owners, for the most part, are already working on/for, their investments. The people who are in startup businesses, collateral or working capitol may be their focus.

    Luckily, there are some options. In this article we will share a few of them.  Individuals, no matter if you are a small business or not, have opportunities to invest in other companies, banks, and local avenues. Often, investments are towards charities, products/places that pose to produce future yields, and/or something in return for services rendered.

    Stocks, Bonds, and Company Share Trading has the taboo of being confusing and/or complicated. Many people aren’t interested, or concerned about it.  Most stock brokers have spent several years in finance and market development honing their skills. Stock brokers must be able to predict the latest trends and statics, in order to make money for themselves and those they represent. In recent years, it has become known that anyone can partake in the stock market to try their hands at making some extra money or support a company with funding. In theory, the same principals are applied to anyone who opens a savings account with a banking establishment. With a savings account, you authorize the bank to use whatever money you put in the account to be held, and overtime it will yield some kind of interest. The more you put in with out withdrawing or shifting out, the greater the yearly bonus will be. (Depending on the banking bylaws for the account. Some accounts stay the same regardless of how many transactions go in or out.)

With this savings account, the banking institution will use the allotted money within its own stocks to trade on the American or Global Markets. Also, some banks use the funding within its own system as loans or other account money to help out its patrons. When the loans are paid, the interest is calculated and divided back up. Dividends, outside of what the bank itself has made, are then dispersed across the accounts it was borrowed from. Hence how some banks give the, “Thank you for having a savings account with us. Here is your interest you have gained over the past (allotted amount of time).” 

    So, why not cut out the middle man and trade/ lend your money to someone else, or handle the investment a different way? Most of us are taught and/or raised to follow in the foot steps of our teachers and parental figures. In general, most people feel safer and secure with a banking account; even if they don’t have to know the details of how their contribution is handled once it leaves their hands. Many people are unaware of the potential their money posses outside of bill payments and personal purchases. People generally trust the institution and feel the bank gives them control over their money. Also, many feel that if they can see it on a statement or ledger, its theirs, just like a safe deposit box. In many ways, these points can be valid. Some banks have deposits immediately available. Other can have a holding period, of a few hours, days, or longer.

     Many people are pulling out their money and assets. Those that have know the promised funding from the banks will not continue if the funds aren’t available. Many people are going to their local credit union, internet based banking systems, (such as PayPal and Metabank,) or local stock broker; to have more controlled placement of their earnings and future investments. One person posted their banking switch to Facebook. To view this video click  here or on the video within this post.  ————>

    For those curious about stocks and micro investments, there is an app called Stash. Stash was founded in 2015 in New York City by veterans of the Wall Street game Ed Robinson and Brandon Krieg. The company has gained more exposure of the years by offering first time investors to try the app for free. They offer new users who sign up $5.00 to buy into any of the portfolio company selections they have available, as well as, the first 3 months free from the service fee. After the first 3 months, a fee of $1.00 is applied each month. The app lets you schedule reoccurring deposits for investing, or one time fractal share buy-ins. There is a detailed list of what the past and present projection are, and what profiles many users put their money into . With micro investments, the user can spread out their funding over a large wheel of companies without having to buy-in to whatever the current price per share. The idea behind this is that a fraction of each company can produce a high return over time. So an investment of $5.00 over a year can gain an extra few hundred or thousand of dollars. (Outcome depends on how much and how often you choose to invest $5.00 or more, and which company vehicle/ portfolio you have chosen.) 

    Stash also offers a refer a friend program. The app sends a text message to the friends of your choice to partake in the free $5.00 start and the first 3 months free. We spoke with one user about her experience with this app and she replied,

    Most often banks invest in larger projects. A recent hot topic of Banking Investments in 2016, is the American Pipeline Co.’s investors from mainstream establishments like Bank of America, Wells Fargo, and J.P. Morgan Chase. These institutions, and many others, have funded a project that is good for the “Big Oil Industry;” while purposes to do harm to the local livelihood of indigenous people, places, and things.

“ I use to invest here and there when I younger. It seemed like something to do with left over change. Back then, I didn't know much about the stock market. Over time, my accounts came in handy. Recently, I was looking for a way to make some extra money while I figure out what kind of planning to do for my future. I stumbled upon this app while researching online. It seemed like a legit company and after reading more about it, I signed up. The app also give tips and glossary terms to break down terminology. So far, it’s been wonderful. I didn't have to do anything to start.

 I will continue to monitor it over the next few months to see where things will go. If I don't feel comfortable with it, I know that I can close the account and app down plus, withdrawal any money I have. I really feel safe with this one. I enjoy the reports the app sends me, so I don't have to be on my phone all day or glued to a computer. The Give $5.00, Get $5.00 isn't bad either. My friends or people I refer can sign up. It will deposit $5.00 to me to use for future investments, or reoccurring transactions. It seems like a win, win all around. If enough people sign up, I may only have to invest my own money every now and again. Pretty sweet deal either way.” - S. Stash user since 2016

    The interviewer, S., allowed us to post the link for the Give $5, Get $5 she has available. For more information on this app and/ or start using with the promotion click: S. Referral to Stash or the other highlighted links and images related above. 

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