Spyke

Posts

personalfinance·Personal FinancebyClear

Help someone with zero financial education start from nothing

Hi, I am a young Italian (I guess the "poste Italiane" gives it away uh) and I plan to make my fist small experiments to understand how buying stoks and ETFs works.

I tried to look around what all those acronyms and big words mean but usually the definition and explanations I found use other acronyms and big words and end up being mentally exhausting to follow.

As far as I understand An ETF is a group of companies that share a market and by shoving money in there (investing in the found is the right phrase I guess)

::: spoiler you either buy stocks (which are just money you give the company to spend and after the profit is made it should give it back with a certain interest I think, right? How much interest and how often is a great mystery I have yet to solve) :::

::: spoiler or fractions of stocks (what is the point of a stock being a certain price then???? If i can just buy a small piece of it???) :::

::: spoiler from one of the companies in the found (randomly I guess, or according to a broker whims maybe idk) :::

and when the dividends are paid you can either get some money back or reinvested in the found.

Those ETFs are apparently more secure because they spread your money around multiple companies within multiple fields and I feel like I should invest more in those then in singular companies, is that right?

Also I'm planning to start with 50€ each month but if I feel comfortable enough I plan to rise the investment to maybe 300€ monthly, but I often see people saying that for those amounts of money (which are a fuckton to me) you should just dump in a single ETF and forget about it for like 10 years, but it feels so wrong to put so much money into something with risks attached to it and then ignoring it, is there something else I'm not getting? (As opposed to all the other things I'm understanding perfectly, right?)

View original on lemmy.blahaj.zone
31
nostupidquestions·No Stupid QuestionsbyClear

Why do i see so many americans obsessed with the concept of "this is a thing that [Ethnicity] does"

Like, i can't genuinely understand why I see so many post and memes about things like: "White people things that black people enjoy" "Black people things that white people should try" "Thing that Asian people should make others do"

It feels like people in the U.S. the moment they see someone skin color they immediately make sweeping generalisations about them (which sounds super racist to me but OK), which also makes integration more difficult, because instead of an interesting mixture of cultures it makes for immovable blocks of stereotypes

Am I just seeing a small bubble of content or missing something or what? Please explain it to me

View original on lemmy.blahaj.zone
96
nostupidquestions·No Stupid QuestionsbyClear

How to avoid having cat hair all over my house and clothes every 2 days?

So, i have 2 cats and, while one of them lose some fur the other one could fill a pillow with all the fur that she shed, even if I brush her to remove some extra fur it seems like it never ends.

They sleep on a couch that has become completely unusable due to the fact that if you sit on if you will be full of fur in no time, even after multiple vacuums it still has fur on it.

I have to always close my bedroom door to avoid them going on the sheets because if they do when I do the laundry the hair will spread to everything in the washing machine, even if I programming 2 extra rinses.

I always see people with cats have somewhat no fur on them, even with cats sleeping on the beds and on couches that seem to have the magical ability to not retain fur like magnets.

So what's the secret? They just vacuum more then me? Is there some mystical product that helps removing hair from couches and washing machines?

View original on lemmy.blahaj.zone
58

You reached the end