The only way you will ever permanently take control of your financial life is to dig deep and fix the root problem. –Suze Orman
几个星期前，我的3个RDgrader asked me if she could get her ears pierced. If it was solely up to me the answer to that question would be easy. “Sure you can pierce your ears. When you turn 18!” Understanding that would be my initial response, she decided to wait to ask me until she had the rest of her arguments lined up. She first got her mother’s thumbs-up, then her sister’s ‘coincidentally’ reminded me that they were in 3RD年级时他们有耳洞，然后她强调，她的几乎整个班级刺穿自己的耳朵。这基本上给我留下任何选择，但要认识到有仗打，这是不是其中之一。
在最后一周两次,我收到电话s from recent inheritance recipients. In both cases, they asked their friends what they should do with the money and in both instances, the unanimous answer was to buy an apartment. I’m all for real estate if you can afford it. In one of the cases, a single mother of 3 received about 800,000 nis in an inheritance. She had only called to check if there was anything short term to do with her money while she looked to buy an apartment. She told me her friends all told her that was the best thing to do with her newfound funds. I started asking pointed questions about her financial situation and it turns out that she is unemployed, doesn’t think she is able to work emotionally, and an overdraft. She gets some alimony and has a few other small sources of income, including charity, and is about 3-4,000nis short each month. I told her to work with a budgeting organization, and that at this point buying an apartment would be a big financial mistake. I explained that based on what she was telling me, she would need to use up almost all of her money for the purchase. She would have no money left, add to her minus every month, and not be able to make the mortgage payments let alone feed and educate her 3 children.
When I asked if any of her friends understood her financial picture she said no. None of them asked.
But then she discussed when the crowd misses the mark, “But for those who embrace crowd wisdom and prediction markets, there’s an important qualification. As Condorcet himself warned, his theorem reveals the downside of group decisions. Suppose that each individual in a group is more likely to be wrong than right because relatively few people in the group have access to accurate information. In that case, the likelihood that the group’s majority will decide correctly falls toward zero as the size of the group increases.”
Make sure your goals are realistic based on the amount of money that you received. It may be beneficial to speak with a professional financial advisor as they can draw on their experience to make sure you are headed in the right direction.
The information contained in this article reflects the opinion of the author and not necessarily the opinion of Portfolio Resources Group, Inc. or its affiliates.
manbetx苹果客户端亚伦Katsman是本书退休GPS的文章：如何定位自己的方式安全的金融未来全球投资（麦格劳 - 希尔），并且无论是在美国和以色列的持牌金融专业，并帮助人们谁开投资账户在美国。证券通过组合资源集团有限公司（www.prginc.net）提新万博取款周期供。会员FINRA，SIPC，MSRB，SIFMA。欲了解更多信息，请致电（02）624-0995访问www.sisoftball.com或电子邮件aaron@lighthousecapital.co.il。