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Cliff Notes: INVESTING FOR YOUR CHILD & FICO STOCK · Earn Your Leisure

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  Speaker 3: I called it well, first, I won't say thanks for
• 0:32
  Speaker 3: calling on me, and I actually have a few questions
• 0:35
  Speaker 3: if that's fah thought with one? All right? I called
• 0:40
  Speaker 3: a few months back, and remember I was talking about
• 0:43
  Speaker 3: how I had like thirty five stocks in my portfolio.
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  Speaker 3: I remember, Yes, told me narrow it down to ten. Yekay,
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  Speaker 3: So I just wanted to get your opinion on Matt ten.
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  Speaker 4: Oh that was there on what's you? What's your today?
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  Speaker 5: All right?
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  Speaker 3: I guess wear Apple, Microsoft, Visa Disney, CrowdStrike, Draft Kings NIA,
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  Speaker 3: and one of them is a penny stock called AI
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  Speaker 3: t X and charge Point.
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  Speaker 6: What what did you say after CrowdStrike?
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  Speaker 3: I didn't hear it, Draft Kings NIA, and then I
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  Speaker 3: have a penny stock to call AI t X and
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  Speaker 3: charge point.
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  Speaker 7: What persons you get in on a I t X.
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  Speaker 3: I got in on a I t X at one second,
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  Speaker 3: I got checked because I've been averaging down. I got
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  Speaker 3: in kind of high, and then I just and then
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  Speaker 3: like as it dropped, I just kept buying into it
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  Speaker 3: because I got a new CEO, and I don't know,
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  Speaker 3: I kind of I like their company. My average cost
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  Speaker 3: is point of six nine, so I'm not like seven.
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  Speaker 4: It's not bad.
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  Speaker 7: That's the only one I don't like out of the group.
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  Speaker 7: But if it bounces to consent, you can exit the
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  Speaker 7: rest of them. You're great.
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  Speaker 8: I think one thing I like about your portfolio is
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  Speaker 8: that as diversified. You have like draft Kings, you have Apple,
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  Speaker 8: you have Square, you have what else did she say?
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  Speaker 4: Draft?
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  Speaker 5: She said Microsoft?
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  Speaker 8: So so yeah, so you have you have cybersecurity, you
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  Speaker 8: have payment processing, you have Apple, you have the online gambling.
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  Speaker 8: So you're not putting all your eggs in one basket.
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  Speaker 8: Even though you know they're all kind of like tech companies,
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  Speaker 8: they serve different sectors of the economy. So I always
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  Speaker 8: say that that's a very good portfolio. Continue with it.
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  Speaker 8: Are you dollar cost averaging or are you putting money
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  Speaker 8: in every month for how you?
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  Speaker 4: How are you? How are you doing it? Well?
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  Speaker 3: I put money in every month, and then when they
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  Speaker 3: drop down to a certain price, out a a lot extra.
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  Speaker 7: Yeah, if charge fourteen eighty six, you can add more there,
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  Speaker 7: because they're going to slide down to eighteen with fourteen
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  Speaker 7: eighty six, add more. And then if your cost basis
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  Speaker 7: is decent there, you're good. The rest of them, you
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  Speaker 7: have home runs super solid.
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  Speaker 6: Yeah, the ones that you said up until like I said,
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  Speaker 6: up until DraftKings, I have in my portfolio as well.
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  Speaker 6: So they're all solid, including Visa, which I really loved.
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  Speaker 6: I've had it probably yeah, a year and a half maybe,
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  Speaker 6: so you know, I was I was going back and forth,
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  Speaker 6: should I leave the position? And I love that the
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  Speaker 6: fact that it's performing out. I'm ecstatic that I held
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  Speaker 6: the door. I held the door on that one. Yeah,
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  Speaker 6: So I love it, and I love the fact that
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  Speaker 6: you executed. Right, there was fifty five positions that you had.
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  Speaker 6: You heard some information, you said, look, they said, let's
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  Speaker 6: scale it down a bit, and you scale it down
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  Speaker 6: and you've picked some really really solid companies.
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  Speaker 7: So saying there, greatful for trimming to you, so to you.
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  Speaker 3: Thank you. So my next question is, well, I recently
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  Speaker 3: had a baby and I wanted.
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  Speaker 4: Gratulations, thank you, thank.
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  Speaker 3: You, and I wanted to use the fave twenty nine
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  Speaker 3: for private school also, So I did do a little
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  Speaker 3: bit of research and I've seen that you are allowed
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  Speaker 3: to do that. But since, like, should I go super
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  Speaker 3: aggressive inside the five twenty nine since I'll be like
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  Speaker 3: leaning towards using it sooner than when he's eighteen, or
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  Speaker 3: should I still, like, you know, stick to the formula
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  Speaker 3: with like to tech in to index funds, well.
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  Speaker 4: Stick between when you grow shirt.
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  Speaker 8: Yeah, when you do a five to twenty nine plan,
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  Speaker 8: it's kind of similar to the four to one K
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  Speaker 8: where you just can't invest the money however you want.
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  Speaker 8: They're gonna give you options. So like each five to
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  Speaker 8: twenty nine planing sponsor by mutual fund company depending on
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  Speaker 8: what state it is.
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  Speaker 4: So like let's say Fidelity and.
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  Speaker 8: Sponsoring the five twenty nine plan that you want to
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  Speaker 8: invest in, they'll give you two different ways how you
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  Speaker 8: choose to invest. You could invest in the age base model,
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  Speaker 8: which is like zero to five years old, five to
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  Speaker 8: ten years old, ten to.
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  Speaker 4: Fifteen years old, fifteen like eighteen years old.
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  Speaker 8: So the zero to five is the most aggressive, and
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  Speaker 8: then five to ten is a little bit that's aggressive,
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  Speaker 8: and then ten to fifteen is kind of moderate, and
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  Speaker 8: then fifteen to eighteen is conservative, very similar to like
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  Speaker 8: how an age based retirement plan works, where as you
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  Speaker 8: get closer to the child being eighteen or getting ready
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  Speaker 8: to go to school college, then it becomes more conservative.
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  Speaker 8: Or they'll give you, you know, different options on how
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  Speaker 8: to invest, like you can just do like the moderate
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  Speaker 8: or the conservative, or you can just kind of like
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  Speaker 8: you know, base it off of that as far as
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  Speaker 8: like the different modules that they give you. So I
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  Speaker 8: would say the age base model is always a.
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  Speaker 4: Good way to go.
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  Speaker 8: It's auto pilot, and it's going to be aggressive anyway
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  Speaker 8: because that's how it's kind of tailor made for a
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  Speaker 8: person a child that's just born like one years old,
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  Speaker 8: you want to be aggressive because you know, but being
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  Speaker 8: that you know you're going to use the money, you
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  Speaker 8: know soon. You just have to just keep an eye
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  Speaker 8: on it obviously, and you know, just kind of you know,
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  Speaker 8: make sure. But at any point in time, if you
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  Speaker 8: want to change them, just put it in the conservative bucket.
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  Speaker 8: You can, that's up to you. But until you plan
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  Speaker 8: it on using it, I would definitely be aggressive with it.
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  Speaker 8: And also, what when do you plan on putting your
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  Speaker 8: child in private school?
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  Speaker 3: I haven't decided yet. I'm studying again my life. I'm
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  Speaker 3: studying ah to get well to be able to sell
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  Speaker 3: life insurance. So I would like for him to do
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  Speaker 3: private school at the start, but it really just depends
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  Speaker 3: on where I'm at financially. I mean, I am doing okay.
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  Speaker 3: I own a few houses and stuff, but I want
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  Speaker 3: to make sure I'm able to afford it once I start.
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  Speaker 3: I don't want to have to stop like in the
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  Speaker 3: middle and like I plan on moving too, So I
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  Speaker 3: would like for him to start in kindergarten, but about
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  Speaker 3: fifth grade. It's a muss for middle schooling up.
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  Speaker 4: Yeah, I mean I was about to go in the
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  Speaker 4: first grade.
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  Speaker 7: He doesn't need in kindergarten. First grade, yeah, Yeahan is
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  Speaker 7: about to go to first like, you don't need sing
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  Speaker 7: your kid to private for kindergarten.
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  Speaker 8: Okay, okay, yeah yeah, so yeah, it's just something they think.
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  Speaker 8: But yeah, you want to kind of hold off on
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  Speaker 8: a private school as long as you can because obviously,
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  Speaker 8: for a few different reasons, you'll have more money growing,
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  Speaker 8: Like if you put the money in and take it out,
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  Speaker 8: you're not it's not gonna be able to grow. But
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  Speaker 8: then also it's a risk reward ratio with these private schools.
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  Speaker 8: I'm realized I went to private school. I went to
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  Speaker 8: public school, and I went to and I went to
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  Speaker 8: private school. I went to private school late. I went
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  Speaker 8: to private school in eleventh grade. But I realized that
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  Speaker 8: up until like fourth fifth grade doesn't really matter.
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  Speaker 4: You'd better getting at home tutor. Probably once you get
• 10:27
  Speaker 4: to like high school, junior high school.
• 10:29
  Speaker 8: That's when you know, that's when you really really got
• 10:31
  Speaker 8: to start thinking about things because like when a child
• 10:33
  Speaker 8: turns twelve years old, especially you know by boys and girls.
• 10:37
  Speaker 8: So I wouldn't really invest a bunch of money when
• 10:39
  Speaker 8: a child's like in diapers, Like what are they going
• 10:41
  Speaker 8: to do?
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  Speaker 3: Yeah? I just always felt like the public school system,
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  Speaker 3: like it just it doesn't do you, right that little
• 10:49
  Speaker 3: black boys.
• 10:52
  Speaker 6: Yeah, true, here's the important here's the important part though, right. So,
• 10:57
  Speaker 6: and I went to public school my whole life public school.
• 11:01
  Speaker 6: And this is the best advice I can give you.
• 11:03
  Speaker 6: And the fact that your here tells me that you're
• 11:05
  Speaker 6: going to be able to execute on this information. Education
• 11:09
  Speaker 6: doesn't stop inside the four walls. And the fact that
• 11:12
  Speaker 6: you have this sound mind, your child is going to
• 11:15
  Speaker 6: be able to learn from you. So public or private,
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  Speaker 6: the foundation starts with you and the fact that you're
• 11:20
  Speaker 6: guiding this, uh, the family, and the financial freedom that
• 11:24
  Speaker 6: you're the path that you're on. It won't matter private
• 11:28
  Speaker 6: or public until, like Shaty said, when you get into
• 11:30
  Speaker 6: high school and the education starts to be a little
• 11:32
  Speaker 6: bit more challenging and it becomes more of a networking
• 11:35
  Speaker 6: tool the inside the private institution.
• 11:37
  Speaker 8: So you got to think about, like, you know, MG
• 11:38
  Speaker 8: can speak more on this, but this is a real
• 11:40
  Speaker 8: estate question as well, where a lot of parents face
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  Speaker 8: the decision. Okay, it's like, especially like a lot of
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  Speaker 8: these private schools, you know, they might be like forty
• 11:46
  Speaker 8: fifty dollars a year, So does it really make sense
• 11:48
  Speaker 8: to pay that much money for private school or just
• 11:50
  Speaker 8: move into a better neighborhood because you're gonna be paying
• 11:52
  Speaker 8: property taxes anyway. So if you live in live in
• 11:55
  Speaker 8: a good neighborhood and you're paying high property taxes, at
• 11:58
  Speaker 8: least you'll be you know, in a bet the public
• 12:00
  Speaker 8: school system where you know you can you can you know.
• 12:04
  Speaker 4: Go to the public school.
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  Speaker 8: So that's that's always a debate with parents, especially black parents,
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  Speaker 8: because it's like, unfortunately, a lot of times when you
• 12:12
  Speaker 8: move to nicer neighborhoods, there's not a lot of diversity.
• 12:15
  Speaker 8: And I'm not a big fan of putting your kid
• 12:17
  Speaker 8: in a school system where it's not diverse because I
• 12:21
  Speaker 8: think that that causes problems for children. So it's a
• 12:25
  Speaker 8: lot of issues with black people, especially when you start
• 12:28
  Speaker 8: to start making money, it's like, you know, you don't
• 12:31
  Speaker 8: want to stay in the hood. But then you don't
• 12:33
  Speaker 8: want to go to all white neighborhood and then you're
• 12:35
  Speaker 8: like the only person there that's of color, and then
• 12:37
  Speaker 8: you guys send a kid, and then that's issues. In
• 12:39
  Speaker 8: private school, it's like fifty thousand dollars a year, and
• 12:42
  Speaker 8: then that's an issue. So a lot, that a lot
• 12:44
  Speaker 8: to think about. But you know, it all depends on
• 12:47
  Speaker 8: whatever your goals are.
• 12:48
  Speaker 5: University, Thank you, thank you, thank you, and thank you
• 12:55
  Speaker 5: for sharing your portfolio. Three things up from us, Thank you, job,
• 13:01
  Speaker 5: thank you, thank you.
• 13:02
  Speaker 6: Real quick, can God just tell us the earnings because
• 13:05
  Speaker 6: absolutely it's I mean, if they don't know, they don't know. Microsoft, Apple, Amazon,
• 13:10
  Speaker 6: and Google will be reporting this week.
• 13:13
  Speaker 4: You hear this.
• 13:13
  Speaker 6: Check the stat out in those four stocks, right, Microsoft, Apple, Amazon,
• 13:17
  Speaker 6: and Google, they represent twenty percent of the entire weight
• 13:20
  Speaker 6: of the s and P five hundred just those four companies.
• 13:24
  Speaker 6: Absolutely ridiculous.
• 13:25
  Speaker 4: Let's run it down.
• 13:25
  Speaker 6: Obviously, Tesla reported today they'd be earnings quick numbers on Tesla.
• 13:31
  Speaker 6: So for the first time, they reported one point one
• 13:33
  Speaker 6: billion in a quarter. Right, so they produce over two
• 13:36
  Speaker 6: hundred thousand vehicles and they did over eight hundred million
• 13:39
  Speaker 6: in their energy business. So all my Tesla folks and
• 13:42
  Speaker 6: my Tesla enthusiasts, I'm sure when you were looking at
• 13:45
  Speaker 6: CNBC after hours and so the stock go up, so
• 13:48
  Speaker 6: to you, hopefully it can be on an up trend.
• 13:51
  Speaker 6: I told you so. Tomorrow damn half day. My portfolio
• 13:55
  Speaker 6: is going to be reporting, so ups Apple will be reporting,
• 13:57
  Speaker 6: AMD will be reporting, Microsoft, Visa, Teledoc, Google, Raytheon and
• 14:02
  Speaker 6: the company you spoke about three m when we were
• 14:05
  Speaker 6: tying into the Apple by products. They'll be reporting on Wednesday, Boeing, Shopify, Facebook,
• 14:10
  Speaker 6: PayPal Service now McDonald's. And on Thursday, my company, my company,
• 14:15
  Speaker 6: my company, Amazon will be reporting earnings. And they were
• 14:18
  Speaker 6: obviously in the news today with those bitcoin talks. They
• 14:22
  Speaker 6: later have denied that they were getting involved in bitcoin
• 14:26
  Speaker 6: this year. I'm going to put a quotation around this year.
• 14:30
  Speaker 6: But they did put out a search for somebody to
• 14:33
  Speaker 6: be an executive in the crypto digital currency space. So
• 14:37
  Speaker 6: they put out a posting for digital currency executive, and
• 14:40
  Speaker 6: that sparked rumors. Obviously, we saw a bitcoin run up
• 14:43
  Speaker 6: to forty thousand is pilled back. I think when I
• 14:45
  Speaker 6: last chap before we started marketing money was at thirty
• 14:47
  Speaker 6: seven thousand, so they'll be reporting on Thursday, as well
• 14:51
  Speaker 6: as Twilio, and you mentioned them, you said top three
• 14:53
  Speaker 6: cloud services. You had Amazon, Zaid, Twilio, and I have
• 14:56
  Speaker 6: Skyworks in it. I'm not sure if people have been
• 14:58
  Speaker 6: paying attention to Skyworks in the SEMIS. It's company to
• 15:01
  Speaker 6: keep an eye on. And then Friday we got PNG
• 15:03
  Speaker 6: and Caterpillar. So those are I mean, it's a huge, huge,
• 15:07
  Speaker 6: huge earnings week. So those are the companies that are
• 15:10
  Speaker 6: that we're looking at for sure. And obviously, like I said,
• 15:13
  Speaker 6: majority of my portfolio will be reporting this week.
• 15:16
  Speaker 4: So there you go. Yeah, amazing.
• 15:19
  Speaker 7: Yeah, one last gym, put yes and chat. If you
• 15:22
  Speaker 7: guys have heard of a fighto score. Have you looked
• 15:29
  Speaker 7: at investing in the company fightco itself? The stock, look
• 15:35
  Speaker 7: at the chain, dig deep whenever a shot hit you
• 15:38
  Speaker 7: with it? Well, yeah, he ready to go? Keep you
• 15:40
  Speaker 7: out too much.
• 15:41
  Speaker 8: Longer, talk about that, talk about the fight go. I
• 15:43
  Speaker 8: never heard about that situation. Talking about that.
• 15:45
  Speaker 7: Because I mean, if you look at FICO, any tool
• 15:48
  Speaker 7: that the measures and tracks how Americans are spending, and
• 15:52
  Speaker 7: because credit score is are really a dead analysis tool.
• 15:56
  Speaker 7: Right now, FIO is at five point thirty nine, but
• 15:58
  Speaker 7: during last year got to a low of one eighty six.
• 16:03
  Speaker 7: So with housing going crazy, spending going crazy, Visa doing well,
• 16:08
  Speaker 7: who who determines if you get a credit card or
• 16:11
  Speaker 7: any kind of credit went out to you for housing?
• 16:16
  Speaker 7: For ISAAC Corporation excuse me, is a big component of that.
• 16:21
  Speaker 7: So if they are the ones that are dictating who
• 16:23
  Speaker 7: will get lines of credit, you probably investing in person
• 16:26
  Speaker 7: what the entity that is allowing people to get these
• 16:29
  Speaker 7: credit lines and credit cards and mortgages and things of
• 16:33
  Speaker 7: that nature. So if you look back five years ago
• 16:34
  Speaker 7: to stock, was that one on nine seventy seven set
• 16:36
  Speaker 7: five thirty nine ninety four. Now probably in three years
• 16:41
  Speaker 7: it'll be a seven eighty three. I don't want you
• 16:43
  Speaker 7: guys like yo, it's too expensive, But when it hits
• 16:46
  Speaker 7: a thousand, you're gonna be like, damn, I wish I
• 16:48
  Speaker 7: would have got into it. So look at Faiko, especially
• 16:50
  Speaker 7: when the economy is booming. That is a nice stock
• 16:53
  Speaker 7: to invest in when.
• 16:54
  Speaker 4: The American economy is rising. F Iico is THECAELA.
• 17:00
  Speaker 7: Yeah they're pat it as a premium. I'm assuming for that,
• 17:03
  Speaker 7: but but yeah, look at it. Put that on your watch.
• 17:06
  Speaker 10: What's fico, my graduates from my school being forced bad
• 17:12
  Speaker 10: drop Bag drop, Mike drop Bad Drop Drop.
• 17:27
  Speaker 1: With Robinhood, not only can you trade individual stocks and ETFs,
• 17:31
  Speaker 1: you can also seamlessly buy and sell crypto at low costs.
• 17:35
  Speaker 1: Trade all in one place. Get started now on robin Hood.
• 17:39
  Speaker 2: Trading crypto involve significant risk. Crypto trading is offered through
• 17:41
  Speaker 2: an account with the Robinhood Crypto LC. Robin hund Crypto
• 17:43
  Speaker 2: is licensed to engage in virtual currency business activity by
• 17:46
  Speaker 2: the New York State Department of Financial Services. Crypto held
• 17:48
  Speaker 2: thro robin Hood Cryptos not FDSC insured or SIPC protected.
• 17:50
  Speaker 2: Investing involves risk, including loss of principal securities. Trading is
• 17:53
  Speaker 2: offered through an account with robin Hood Financial LLC Member SIPC,
• 17:56
  Speaker 2: a registered broker dealer