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Monday, July 8, 2019
Investing tips for college students Hi Taylor - I’m a and can produce pretty solid returns. You also don’t need a 20 year old college student huge amount of money to get looking to save started because you’re part of a crowdsourcing effort. via investing. I’m trying to think long term As you look at investing options, and wondering keep service fees in mind. what’s the best Ideally, you want to invest enough that you’re not losing too way to save/invest $100 big a percentage of your funds to trading fees. Some companies each month. Taylor Kovar - Rose take a percentage of your investment, while others charge Hey Rose - Glad to hear you’re per transaction. If you’re buying getting an early jump on investing. $100 worth of shares each month At 20 years old, $100/month will and getting charged $9.99 per really start to add up as the years go trade, you’re losing 10% of your by. investment capital, which is a good chunk. Trading less There are a lot of good ways to regularly and in bigger amounts invest your money, so you need to will help offset these costs. think about what will be personally Whatever platform you end up fulfilling while still getting the job using, don’t overlook the done. When I say personally expenses you may be charged. fulfilling, I mean what types of investments will keep you The most important thing is interested so you don’t get putting aside that $100 each impatient and move your money or month. If you keep doing that, do something foolish. Some people you’re already investing in cash, love watching the stock market and with a solid cash reserve a jump around, and they have no lot of investing options become problem buying a bunch of shares available. Keep at it and good and never get the itch to sell and luck! buy something else. Other people need to see what their money is Taylor Kovar, CEO of Kovar doing, and shares of companies Capital. Read more about don’t quite accomplish that. Taylor at GoFarWithKovar.com If you are someone who likes the idea of buying stocks, earning dividends, and trusting that the market will continue to climb, I’d save that $100 for about a year and then make one big purchase of stock in a company you like. That might mean you buy something that’s $80 per share or something that’s around $5 per share, as long as it’s a company with a proven track record and a product you appreciate. If that doesn’t float your boat, you can look into something like peerto-peer lending, where you help sponsor personal and business loans and then get reimbursed along with interest. This makes the lending process a little more real
Disclaimer: Information presented is for educational purposes only and is not an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and, unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. To submit a question to be answered in this column, please send it via email to Question@GoFarWithKovar.com, or via USPS to Taylor Kovar, 415 S 1st St, Suite 300, Lufkin, TX 75901.
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Living with children I am perennially asked whether I do or do not “believe” in autism. I suspect that on most occasions, it’s a test. Nonetheless, it’s a fair question that usually takes John Rosemond this form: “I know you don’t believe in ADHD; but do you believe in autism?” To be clear, it would be absurd of me to deny that there are children – plenty of them, relatively speaking – who frequently exhibit behaviors associated with the bogus diagnosis of ADHD (attention deficithyperactivity disorder). Those kids are problematic, for sure. But no one has ever proven that they “have” something. Childhood behavior disorders like ADHD are constructs; they are not realities. Leukemia and nearsightedness are realities. The spurious claim that these kids “have” something – biochemical imbalances being the number one “have” – is used to sell various therapies, including drugs that have yet to reliably outperform placebos and involve the very real possibility of dangerous side effects.
that autism is producing a significant income stream for lots of mental health professionals. And yes, I proudly admit to cynicism. The further problem is that one can’t talk in general terms about autism without consideration of the so-called “spectrum” that includes, most prominently, something called Asperger’s Syndrome. I say “something” because this Asperger’s something is about as ill-defined as something can be. The common denominator among kids who are hung with this label or are said to be “on the spectrum” seems to be “odd” and/or “quirky.” Personally, I think children should have the right to be at least slightly odd and quirky. Without exception of which I’m aware, once a mental health diagnosis begins to gain traction – that is, it begins to sell – the mental health professions begins expanding it – explicitly or implicitly – such that it captures more and more people (i.e., paying clients) over time; thus things have gone with “the spectrum” and Asperger’s.
I don’t deny that some kids who are said to have Asperger’s may need help. Equally likely, their parents need help managing and But ADHD and classical autism are disciplining them. The many horses of different colors. I have no anecdotes I’ve been told strongly suggest that most of the somewhat way of proving it, but I am odd kids in question, however, convinced that autism in its classical form is a very real, “have” grow out of it, whatever “it” is. thing, albeit researchers have yet to My long-time readers know that discover the nature of its reality. They are handicapped in doing so with some conservatively-defined by the fact that autism is classified exceptions, I’m not in favor of allowing children into rooms with as a psychiatric/psychological therapists (and I’m a licensed disorder. What, pray tell, is psychological about a two-month- therapist). Labels, which therapists have a bad habit of dispensing, old baby who doesn’t want to be tend to stick. For me to believe in held, doesn’t smile, and seems Asperger’s (hypothetically) is one pained by eye contact? What thing; for a child to believe he unresolved issue is at work here? The answers to those questions are “has” it is quite another thing. “nothing” and “none.” Family psychologist John The symptoms of classical autism Rosemond: johnrosemond.com, parentguru.com. appear much too early and much too randomly to think of it as anything but a yet-undiscovered physiological malfunction of one sort or another. Taking it out of the John Rosemond has worked with realm of psychology/psychiatry – families, children, and parents that is, removing it from the since 1971 in the field of family Diagnostic and Statistical Manual psychology. In 1971, John earned of Mental Disorders – would be a his masters in psychology from boon to research as well as a boon Western Illinois University and to the kids in question and their was elected to the Phi Kappa Phi anguished parents. The roadblock National Honor Society. to that has much to do with the fact
