How to Start Buying Stock For Your Kid

The holiday season has begun and parents are asking how to start buying stocks for the children in their lives. Here are a few options from simple and easy to a bit more complicated.

If there’s a child, or children, in your life that you’d like to purchase shares of stock for, here are a few options to make it happen:

Gift a Share

The easiest way to gift a single share of stock to a child, or anyone, is to visit a site like GiveAShare.com or UniqueStockGift.com and purchase a share of stock just like you would purchase anything else online.

Pros

There are only a few choices so you won’t be overwhelmed with options.

You check out just like any other purchase so it’s quick.

After you pay, the website will mail a physical paper to the recipient. You can make it as nice or as plain as you’d like.

The company you purchased stock in will contact the recipient to get their tax payer information so you don’t have to be involved with social security numbers.

Cons

It’s expensive. The company is a middle person. A stock that’s trading for $7 may still have a “transfer fee” of$40 to $70.

The recipient will not receive an actual stock certificate. Most companies don’t offer them anymore.

Open an UGMA Account

Uniform Gift to Minors Act and Uniform Transfer to Minors Act (UGMA/UTMA) are investment accounts that require an adult open the account with the child. It will be technically be the adult’s account until the child comes of age. That age can range anywhere between 18 and 25 depending on your state. You can buy and sell stocks in these accounts at whatever amount the stock is trading at and you’ll pay minimal account fees (compared to gifting a share directly) however you’ll also have to manage an account.

Pros

It’s cheaper to purchase stock. So investments can gain value quicker.

You’ll be able to purchase more shares with the same amount of money since there will be fewer fees.

The child isn’t in control of the account (as long as you don’t give them the log in information) so you don’t have to worry about them making mistakes.

Cons

Someone will have to co-own the account with the child. That means someone will have to open the account with the child and adult’s social security numbers. If you aren’t the parent, asking for the child’s social may be a huge ask.

Whoever is on the account with the child is going to pay taxes on gains and must file taxes appropriately every year.

Open a Brokerage Account

Some investment firms will let teens open an investment account alone. These accounts have a few restrictions but generally function like any other investment account. If the child you want to gift stock to is at least 13 years old, this may be a good option. Check out Feidelity’s Youth Account.

Pros

The accounts often have financial education tools built right in so students can learn investing principles.

Some accounts allow fractional investing so you can provide a specific amount of money and the young person can choose how they’d like to purchase shares.

Since the account needs no co-owner, little personal information has to be shared.

Cons

Since there is no adult co-owner it may be difficult to monitor the young person’s choices.

Suggestions

If you are a parent, opening up a UGMA or UTMA account for a young child makes the most sense. If you’re a parent but your child is a teenager, opening up a youth brokerage account might make more sense.

If you are an auntie, cousin, padrino, etc. then gifting a share of stock is easier and requires fewer entanglements.

Regardless of how you choose to introduce stocks to the young people in your life, there’s no time like now to get started. The one thing that young people have in their favor is time. Even if you can only provide $20 per month (or $240 a year), that $20 could grow to $97,000 assuming you provide $20 per month for ten years and got a 7% annual return and then NEVER PUT ANOTHER DOLLAR IN. Imagine if you started with $20 per month when they were ten years old and then your young person added $50 once they began working … and then they increased that contribution to $100 once they got a full-time job … and then … well, you get the picture.

In case you want to play with the numbers, check out this compound interest calculator.

Happy buying assets instead of liabilities this holiday season!

Shay Olivarria is the most dynamic financial education speaker working today. Previous clients include: Gateway Technical & Community College, SCE Credit Union, American Airlines Credit Union, and San Diego City Community College, among others. She has written three books on personal finance, including Amazon Best Seller “Money Matters: The Get It Done in 1 Minute Workbook”. Shay has been quoted on Bankrate.com, FoxBusiness.com, NBC Latino and The Credit Union Times.The 2nd edition of “10 Things College Students Need to Know About Money” is available now.

5 No Cost Things You Can Do to be Financially Stable

People that teach financial education often talk about lowering your expenses and increasing your income to increase your financial stability. Of course those things are good but today I want to focus on the five free things you can do to increase your financial stability.

For all of my personal finance tips, order my book “10 Things College Students Need to Know About Money“. If you already have a few challenges, order my Amazon Best Seller “Money Matters: The Get It Done in 1 Minute Workbook“.

 

#1 Open an Account at a Credit Union

One of the best financial decisions you can make is to open a checking account at a credit union. It costs nothing to open an account and the benefits are many: better customer service, often lower account fees, usually cheaper car loans, mortgages, and credit cards, and the opportunity to build a relationship with a financial institution with all these great benefits before you need to ask for a loan. Check here to find the credit union closest to you.

 

#2 Check Your Credit Reports

You may know that there are three credit reports and three credit scores for each of us but did you know that you can have free access to your reports? The credit bureaus have the right to control who has access to the scores that they’ve created the mathematical formulas to create, BUT the records …  the information that make up the data those formulas use is your data and is free for you to access. Visit AnnualCreditReport.com to get a free copy of your reports once every 12 months.

 

#3 Collect Your Change

For years I’ve told people that an easy way to find money to build up your Emergency Fund or invest in a no-load mutual fund was to throw your spare change in a jar. I still believe it’s true. On average, you’ll have about $50 per month is quarters, dimes, nickels, and pennies. Instead of that spare change ending up under the couch cushions, in your car’s ashtray, and at the bottom of your purse throw it in an empty water jug or an actual piggy bank. Don’t believe me? Check out this blog.

 

 

#4 Open a High Yield Savings Account

Since I’ve been badgering you to create an Emergency Savings Account, I thought I’d help you out by providing you with the latest lists of accounts with the highest interest rates (you’ll earn more money than at your local financial institution) across the US. Check out the highest yielding savings accounts here.

 

#5 Choose You

This is the hardest free thing you might ever have to do: choose yourself over everything. Choose to save some money for an emergency instead of eating out. Choose to invest some money in a mutual fund instead of purchasing an extra excursion on a trip. Choose to think you’re going to create the exact life you’d like to have …   and then do the prep work so when your opportunity comes, you’re ready.

 

 

 

 

 

 

Financial Apps for Lazy People

If you’re like me, you want to use your money well. You want to buy things you want. You want to pay yourself first by setting a few dollars aside for emergencies and investing a few coins for retirement. You want to pay your bills on time, and in full every month but those things rarely happen the way you know they should. Behavioral economics explains that most people do better when things are automated and we don’t have to actively make choices. Why do you think so many people know exactly what they need to do and then they still don’t do it?

Making good financial decisions with every single purchase day in and day out is challenging. Instead of making things harder for yourself why not use automatic savings and/or investment apps? Here is a round up of what’s available.

 

Apps for Automatic Saving

Digit – There is a free trial period of 100 days. It’s $2.99 a month after that. It basically uses an algorithm to figure out how much money can be moved from your checking account into your Digit savings account. Digit accounts are FDIC insured. There is a desktop version and an app. FAQs are here.

Qapital – Free. You set “rules” that tell the app when and how much money to move to your Qapital account to reach your savings goals. It’s a little more complicated than Digit. Qapital accounts are FDIC insured. App only. FAQs are here.

To read a comparison of Digit and Qapital, click here.

 

Apps for Automatic Investing

Acorns – It’s $1 per month for accounts with less than $5,000 in them. The app rounds up the change from purchases and invests the change in the stock market. Find out more here.

Stash – There is a $5 minimum and $1 monthly fee for accounts under $5,000. You decide when to invest and how much to invest. Find out more here.

 

Apps to Manage it All

Mint – Free.

YNAB You Need a Budget – Free for 34 days and $4.17 every month after that.

 

Personal Finance Software

Quicken Money – if you’re not a fan of phone apps but you’d still like to keep an eye on your money, this may be the software for you. It tracks spending, can track investments, and even comes with a free app if you’re so inclined.

 

Other Options

If all this sounds like a little too much, you can stick with the tools provided by your financial institution (many offer programs to help you save the change from transactions or create a holiday savings account), invest in your 401k or 403b through your job, or invest for retirement on your own by opening an Individual Retirement Account (IRA) through whatever company suits you.

Whatever works for you is best. There is no right or wrong. It’s important that you start now though. Even if you can only use the change from your purchases, something is always better than nothing. Take advantage of compound interest and start now.

 

 

 

 

Good Bye MyRA

 

MyRA was a program started to help young people and the working poor invest for retirement. Contributions could be as low as $5. The hope that young people and people with few resources could take part in investing for retirement (because we all know Social Security isn’t gonna be enough) was a lofty goal. This may have been especially helpful for people of color since we’ve all read the studies about net worth and cycles of poverty.

Unfortunately, the MyRA program will be stopped under the Trump administration. It was never really given the resources to take off. That was the main reason given for its close. The working poor don’t have lots of options to move up the socio-economic ladder and now they’ll have one less option.

myRA Might Be the Solution for High School and College Students

If you’ve read “10 Things College Students Need to Know About Money” you know that I am a HUGE advocate of young people investing from retirement as soon as they have earned income. For many people that time is while in high school or college while you’re working part-time or eeking a living out of financial aid. Often, young people don’t know how to open an Individual Retirement Account (IRA) or don’t think they have enough money to open one (get my list of investment accounts you can open for less than $100 here).

The United States government is here to help with the new myRA (my retirement account, get it?). According to the U.S. Treasury,  these accounts are:

• Easy to set up (you can have the money deducted from your payroll check if you wish)
• Designed to help people with little money or no access to a retirement plan from work.
• No risk of losing money (funds are invested in a Thrift Savings Plan-like account)
• The funds you invest are NOT tax-deductible but you also can take them out whenever you like without penalty.

The best part? There is no minimum amount required to start an account and according to Forbes, ” additional contributions only have a minimum of $5.” The goal is really to get you into the habit of investing when you are young and have few dollars. The return isn’t great (think 1% or 2% per year) compared to a regular traditional or Roth IRA or 401(k)/403(b) but starting now with a few dollars and little interest is better than not doing anything.

Fool.com also notes:

Account holders can contribute up to $5,500 per year ($6,500 if over 50) and may continue to contribute until their total account balance reaches $15,000. All funds are invested in a newly created Treasury bond

Once you’ve grown a nest egg big enough to open a traditional or Roth IRA, or you have a job that provides a 401(k) or 401(b) hopefully with matching, you can roll the money over into a new account.

Click here to find out more about myRA accounts.

 

 

Wanted: Single Women to Invest

Financial Advisor Magazine just came in the mail. This month there is an article about attracting more single women as clients. There are two great quotes that I wanted to share with you:

“Women are better investors than men” – Wibberly, CIC Wealth

“80% of men will die married but 80% of women will die single” – Penta BBH, Center for Women & Wealth

If those two quotes aren’t enough to get to start investing, I don’t know what else to do. Those quotes tell us that women are AWESOME at investing and that heterosexual women are going to have a substantial amount of time not married (at least our 20s and ten, fifteen, perhaps 20 years after our partners die). What are you waiting for?

Start investing now. If your job offers you a 401k or 403b (tax benefits and usually matching) start contributing now. Call HR. Now. If you’re worried about how much money is going to start coming out of your check, start by contributing just 1% and increase your contribution percentage a bit every year.

If your job doesn’t offer you a retirement plan, open an Individual Retirement Account (IRA) as soon as possible. Depending on whether you choose traditional or Roth there are tax benefits now or tax benefits later. You won’t get the matching but you will get to take advantage of compound interest.

Not sure where to begin? Find a fee-only advisor and get hopping! If you’re 30 years old and can contribute $415 per month you can build a million dollar nest egg by the time you retire at 67 years old. Can’t contribute that much? No worries. Something is better than nothing. If your nest egg ends up smaller than you’d like, you can partner your investments with your Social Security payments and go live in one of these 8 beautiful countries.

Either way, it’s time to get hopping.

 

How Much Money Do I Need to Invest to Become a Millionaire?

People tend to think that it’s difficult to start with nothing and end up a millionaire, but in actuality it’s not that difficult if you take advantage of the magic of compound interest. Business Insider recreated a chart from a David Bach book to illustrate this point. My only issues are that it assumes a 12% return every year which is a little optimistic and that it focuses on age 65 when the full retirement age for social security has now been raised to 67 to people born after 1960.

A 10% return is more probable and an 8% return is a bit conservative. I prefer to be conservative.

If  you start when you’re younger is takes less money, over more time, to become a millionaire. Regardless of when you start, it’s important that you start. Having something is always better than having nothing.

31% of Americans Have No Retirement Investments – Tips for Starting

“Nearly a third, or 31% of U.S. adults said they had no savings or pension to help them afford retirement, according to the Federal Reserve Board.”  – CNN Money

I want to say that I’m surprised, but after working with students, employees and retired folks for the last seven years ….  this is what I already know. If you’re part of this group, you’re going to be in for a HORRIBLE surprise come “retirement age”. Either you won’t be able to retire at all or the money from Social Security will only be enough for you to afford a room in your kid’s house and no fun, but it’s not too late. Here are my tips for creating a retirement plan and sticking to it … at any age.

0 – 16

Think it’s too early to start thinking about your child retiring? Not so. Though you can’t take advantage of tax-deferred plans like IRAs (you’re kid probably has no earned income) you CAN put a few dollars away every month in a regular investment account, buy individual shares of stock or purchase savings bonds. Let’s assume that you contribute $50 per month (or $600 per year ….  birthday … Christmas …  ) to any one of these strategies and that the investment earns 2% per year on average (some years more, some years less). By the time that child is 67 years old, that investment would be worth $84,584.31. Imagine how much money it would be worth once your child started contributing too.

16 – 24

By this time you are probably working, but not making much money. You might think that $50 per month won’t amount to much anyway so why bother? Because that $50 per month, or more, could end up being $432,992.84! Once you’re working you have earned income and can take part in wonderful retirement investing plans like 401k/403b, if your job offers them, or Individual Retirement Accounts (IRAs), if your job doesn’t. You put in $30,600 over your working years (16 to 67) and you’ll end up with a half-million dollars … easy! Read more about this in my book 10 Things College Students Need to Know About Money.

25 – 40

Yes! Now, we are in the prime earning years! Not only do you have a job, you probably have a half-way decent job. No more ramen for you! It’s time to take it up a notch. If you have been investing (since you have that good job) increase that contribution. If you haven’t begun contributing yet, it’s time to start.

You might think that you don’t have any spare money to invest or you might not know how to invest (read Money Matters: The Get It Done in 1 Minute Workbook), but it’s easier than you think, especially if your company offers a retirement plan with a company match. On your own, the average American can find $50 worth of spare change every month. PLUS, think about the ways that you waste a few dollars here and a few dollars there every month. Assuming a monthly $50 investment, starting at 30 years old, into a tax-deferred retirement account could still net you $136,725.48. Bump that up to $75 per month and you’ll be looking at $205,088.22. Not too shabby!

40 – 67

If you’re here then you are squarely looking at retirement …. perhaps. In Money Matters: The Get It Done in 1 Minute Workbook I have a worksheet that asks you to take a look at where you are and where you’d like to be. If you’re path is not heading in the direction you’d like it’s not too late to change.

You’ll need to do a little more to catch up, but it’s not impossible. A monthly $200 investment with an 8% return could turn into $229,797.95. Use the Social Security Administration’s estimator to find out how much you’ll get per month once you’re retired. You may find out that you need to work a few extra years. You may find out that you’re fine. Ether way, knowing is better.

If you haven’t begun investing for retirement yet, don’t be downhearted. The time is now. Don’t wait another day. Contact Human Resources at your job and find out how to start investing. Find a fee-only planner and take a comprehensive look at your financial situation. Buy a book to learn the basics and get started.

Working hard won’t get you what you want. Working smart will.

It begins now.

 

Shay Olivarria is the most dynamic financial education speaker working today. She speaks at high schools, colleges, and companies across the country. She has written three books on personal finance, including Amazon Best Seller “Money Matters: The Get It Done in 1 Minute Workbook”. Shay has been quoted on Bankrate.com, FoxBusiness.com, NBC Latino and The Credit Union Times, among others. To schedule Shay to speak at your event visit www.BiggerThanYourBlock.com

Invest for Retirement NOW

“Twenty-one percent of those surveyed who have not retired have saved nothing for retirement and 44 percent have saved less than 10 percent of their salary.”

This quote is from Financial Advisor Magazine talking about a survey done by TIAA-CREF. How do people think that they are going to live in retirement? Do they plan on retiring?

Regardless of how old you are, it’s better to have something rather than nothing. Take a look at how much the Social Security Administration will pay you in retirement and you tell me if you can afford NOT to invest an extra $50 per month in your 401k, 403b or IRA.

Let’s take a look at the numbers, shall we?

Start Investing  Per Month  % Return   Value at 67

18                      $50                      9%          $536,841.50

21                     $50                      9%         $408,642.74

30                     $50                      9%         $178,618.62

40                     $50                      9%         $68,888.51

50                      $50                       9%         $24,125.50

It’s pretty simple:

• If you have a 401k or 403b at your job you probably have a match. Investing a few dollars every pay period lowers your tax base (instead of paying Uncle Sam you invest in yourself) and your company will contribute a few coins to every dollar you invest. Start early. Invest often. Check and see how much contributing $50 or $100 each pay period will change your take home pay. There won’t be much change in how your check looks every two weeks, but it could change how your retirement looks.
• If you don’t have access to a 401k or 403b then open an Individual Retirement Account (IRA) at a brokerage house that you trust. You have to fill out a two page application and send over a voided out check. You can open many accounts by promising to contribute at least $50 per month. That $600 per year could grow into 5 or 6 figures using compound interest. Start early. Invest often.

If you are thinking about investing and you’re not sure where to start:

• If you are a member of a credit union: contact Balance for FREE help.
• If you have an Employee Assistance Program (EAP) at your job: contact the EAP for FREE help.
• If you do not have access to these: find a fee-only financial advisor for help.

You can create the life you want.

You are powerful.

Go get it.

PEACE,

Shay

Order Money Matters on Amazon.com

Shay Olivarria is the most dynamic financial education speaker working today. She speaks at high schools, colleges, and companies across the country. She has written three books on personal finance, including Amazon Best Seller “Money Matters: The Get It Done in 1 Minute Workbook”. Shay has been quoted on Bankrate.com, FoxBusiness.com, NBC Latino and The Credit Union Times, among others. To schedule Shay to speak at your event visit www.BiggerThanYourBlock.com

Latina Mom Survey

Since I’ve been writing for Mamiverse.com, more and more people have started contacting me about common concerns about money. One of the themes that continually emerges is retirement. How much money is needed? How does one invest? What’s the difference between retirement tools?

To get a better handle on what’s going on with Latina moms, I thought I’d conduct an informal and completely unscientific survey. Please answer the 9 multiple-choice questions and share the survey with a friend!

This information will really help me write better articles and (hopefully) reach more Latinas around the country.

 

Money Mistakes on Retail Me Not

The dumbest thing Shay ever did with money is a story told at RetailMeNot.com.

Financial Education Speaker & Author Shay Olivarria’s whole career has been built on sharing the mistakes she made with others in hope that those mistakes could be avoided by others. Now, she shares the biggest money mistake of her life with Emma Johnson at Retail Me Not.

Smart people make dumb mistakes all the time. That’s why they’re smart—they learn from their mistakes. Even smarter? Learning from other people’s mistakes! Instead of screwing up your own finances, check out these doozies committed by financial professionals.

Read the article here http://theinsider.retailmenot.com/money-lessons.html

3 Reasons to Buy Money Matters

Order Money Matters on Amazon.com

If you are looking to make some changes and get on track financially, Money Matters by Shay Olivarria is the book for you. There is a check-up for where you are with your financial goals. The book addresses savings; short term and long term. It tells you how to set up retirement accounts, investments, and how NOT to get into deep debt. This is great for those beginning their journey into the real world. Also, for those that have already messed up, Olivarria has steps on how to get back on track.

Olivarria creates a great guide for you to create your own individual plan to get out of debt and on the track to financial freedom. She states that you have to be patient and consistent. It is never too late to turn it around. I suggest you gift this book to college graduates. It is straight to the point and interactive.

This book was provided courtesy of the author for review.

DCSquared

 

#1 You want to know more about personal finance, but you’re not sure where or how to begin.

We all want to make better financial decisions. The challenge is that sometimes we’re not sure what to do or we have hard decisions to make where both options seem like bad ideas. We get so caught up in running from day to day that we forget that we can make changes if we take a moment to plan instead of react. Money Matters was written with that in mind. The very first worksheet is one page long and helps you see the bigger picture by asking a few simple questions.

#2 You are intimidated by personal finance jargon.

Have you ever tried to read a personal finance book or spoke with someone in the financial services industry and you didn’t understand what they were saying? Me too! Personal finance is not complicated, but it’s easy to make it seem complicated by using industry jargon. Money Matters is written clearly. I don’t try to confuse the reader by making things sound harder than they are. That’s why media outlets across the country have quoted me and asked me to write for them. I make money management simple.

#3 You want to know what you need to know to make things change.

Take a look at the Table of Contents from Money Matters in the image above. This book covers “just the facts ma’am”. There are tons of books that do into depth about any area of personal finance that you might be interested in. This is not that book. Money Matters is a bare-bones, simple read with worksheets to help you make good decisions about money. The book covers net worth, retirement planning, paying off debt, managing your credit score, payday loans, rapid tax refunds, and even saving money on your groceries.

 

Shay Olivarria is the most dynamic financial education speaker working today. She speaks at high schools, colleges, and companies across the country. She has written three books on personal finance, including Amazon Best Seller “Money Matters: The Get It Done in 1 Minute Workbook”. Shay has been quoted on Bankrate.com, FoxBusiness.com, NBC Latino and The Credit Union Times, among others. To schedule Shay to speak at your event visit www.BiggerThanYourBlock.com

Free Library of Philadelphia

Shay Olivarria with staff from the Free Library of Philadelphia.

Thursday, April 5, 2012 Shay Olivarria was pleased to present financial education workshop “Creating a Foundation for Wealth” based on her book 10 Things College Students Need to Know About Money to student-workers at the Free Library of Philadelphia. Wow! The students were so much fun! We weren’t able to film because the students were minors, but there are some comments from the evaluation to give you an idea of how the workshop went.

What was the most important thing you learned today?

“Stop being idiot and save some cash!”

“Savings and a bright, ready mind can get you ANYWHERE!”

“How to think critically about money”

“The difference between a bank and a credit union”

“Invest in retirement and have an emergency fund”

“”I learned about small opportunities that make a big difference”

“The most important thing I learned today was how I can start saving now, to benefit my future”

“Avoid fees was the most important thing I learned. The fees can add up and put you in a hole”

“You can buy stock at any age”

“I leaned about saving money and shopping smart”

Book Shay to speak at your event today.

Shay Olivarria is the most dynamic financial education speaker working today. She speaks at high schools, colleges, and companies across the country. She has written three books on personal finance, including Amazon Best Seller “Money Matters: The Get It Done in 1 Minute Workbook”. Shay has been quoted on Bankrate.com, FoxBusiness.com, and The Credit Union Times, among others. To schedule Shay to speak at your event visit www.BiggerThanYourBlock.com.

Your Job is NOT Your Wealth

New article from the Money Matters series on BlackVoiceNews.com:

I’ve run across many people that seem to think that having a job is the best way to create financial stability. I’m aware that it’s a common idea, but it always floors me when I hear it. Owning a business and having passive income are much better ways to create financial stability for you, your family, and your community.

Let’s look at the idea that your job is a stable source of income. Ha! Your job is not as stable as you might think. We all know people that have been laid off for no reason other than it was best for the company’s bottom line. You will be hired or fired based on the needs of the company. Your employment, from the business’ perspective, has nothing to do with your needs.

What about the idea that having a job brings in “good” money? A job provides x amount of money for y amount of time. Usually you’re trading your time for a specific amount of money without understanding the affect our specific work has on the company’s overall bottom line. Businesses are in business to make money, so it makes sense that whatever amount you are being paid is obviously much less than that work is actually valued at.

A job is a critical piece for most people, but not because of the reasons that most people think. A job provides

…. click here to read the whole article.

Click here to check out all the articles from Shay on BlackVoiceNews.com.

Invest in Yourself

Read Shay's new weekly personal finance column on Black Voice News.

Starting this week the most dynamic financial education speaker working today has a weekly column on personal finance at Black Voice News! You can read her pithy insights and personal views on all things money in the physical paper and online. Check out this excerpt from her first article “Invest in Yourself” and leave a comment on BlackVoiceNews.com:

Every day we make decisions about how we will spend our money. Most of the time we spend our money investing in things that will not increase the value of ourselves, our families, and our communities. In 2010 African-American buying power was valued at $836 Billion by the U.S. Census. How much of that money went into purchasing things that increases the net worth of African-American households?

There is an idea that you’ve had for a while now about generating more income. It could be starting a business. It could be furthering your education. It could be cutting unnecessary costs to create, or add to, your emergency account or retirement account.

What’s stopping you from investing in yourself? I bet you invest ….

Read the entire article here.