Black families need to start talking at the dinner table.

I guess for me this not just a learned experience, I needed to make some quick income. This not only forced my hand but, made me try things I normally would not do. I did not have a lot of money so, I had to be smart about how I spent it. Learning to invest in stocks are a bit difficult for most black people. I guess because we didn't talk about it at the dinner table. Hey, like life insurance. We just did not know about term insurance. I plan to write about that later on in another story. Learning about stocks have been real interesting though. Most blacks don't know much about stocks either. The most well known black man I knew that knows about stocks is Mr. William Payne of FOX Business. He is found at (www.foxbusiness.com) On air he states he made most of his net worth from learning how to invest in the markets. What a gamble it is at times. I started out using apps. The apps made it easier because, it would separate each stock by industries. That made easy to keep up with. Learning how the stocks move up or down was very important too. This is what you have to balance out so you know which stock to invest in and how much and how long you hold on to the stock. Sometimes you needed to take it easy and buy in small amounts and sometimes buy in larger, more aggressive amounts. Thank goodness, the apps today allows you to buy much smaller amounts. My favorite one today is Stash. This is found at (www.stash.com). It let's you buy small pieces of stock like for .25 cents or so. This let's you buy more stocks so you can eye out the ones that are important to you. Some of the other apps are Robin Hood, or Acorn. They are found at (www.RobinHood.com and www.Acorn.com). Nearly all the apps let you invite people and split either stocks or funds with you and the one you bring in but Stash, goes a bit further. They have Stash Parties, where they give out free stocks to people that just log in during the Stash party time. Nearly all the apps today will help you learn to invest, I just think this app is going the extra mile in serving the customer. I think black people and other minorities have really missed the bus with investing. Learning the power of 72 or compound interest. That was a life changer to me. I learned you could start late in life and still achieve your goals in life. I think black families need to start talking about these things at the dinner table as a family to strengthen our resolve to this particular problem. Learning how to invest and how to save money will go a long way with black families setting up their financial futures. Because we as a people have gotten away down home teachings were we are going through what our ignorance have allowed us to go through. The good thing is, we can fix this. All of this will start when we start black families start back talking at the dinner table. Most minorities didn't know about what type of companies we should have even been dealing with. When it comes to insurance, banks, and stock brokerage houses. We should been dealing with fiduciary companies. This is weather it was an auto insurance or heath insurance. I still remember when the life insurance man would come to the house to pick up the payments. Back then, it was in a packet behind the door on a nail. They came to the house in person. Very few of them would even tell you to change your coverage unless you brought it up. That to me is what is missing. we can fix this. This is one of the problems in black families today, that can be fixed by black families. Right down to young black man staying there in the lives of the children they help to create. These are the tings that must change if we want anything different to happen in our lives. Yes, we must do different to get different. Passing these things down in our families will improve our future families lives. I'm only one person but this conversation needs to be had real bad. In my future story, I will go into why this part of the story and others are needed to be had by our black families today. No more blaming anyone for us not doing this, we just need to start doing this like, yesterday. These are life long lessons that are needed to be, past down to our children. How can we leave them anything, if we ourselves can't make what is needed to leave them? Young black men know about material things but, they are not looking at owning things like land, homes and legitimate business. Something that keeps money coming in. These are the stories that should be told at the dinner table. Even for me it was all the things said around the dinner table that I remember most.