How I Started Investing for the First Time





Some things in life are just begging to be pushed to the end of my to-do list, not to be done until I’m absolutely forced to: filing my taxes, making the appointment to get my yearly skin check, calling maintenance to finally fix my finicky door lock—the list goes on, and for me, finally dipping my toe into investing always had a permanent spot on my to-do-eventually list.

To say I’ve always felt as if I didn’t have enough knowledge to even know where to begin investing is an understatement; I’ve always felt like I didn’t even know what I didn’t know—a notch below “absolutely clueless.” My journalism major ensured I learned absolutely nothing about finance in college, and it felt like—even at 24—I was so desperately behind the pack that it was too late for me to really get a grasp on the stock market.

This year got me to do the things I had been pushing aside because I was busy, and after weeks of writing “START INVESTING” at the top of my planner, I decided it wasn’t something I could push off anymore. Enter: Public.com. Public is an investing social network where investors can own fractional shares of stocks and ETFs, making the barrier to entry significantly lower than other investing platforms. They know that a significant reason why many don’t invest is due to a lack of financial literacy, so they aim to unlock the stock market to a wider range of people through the empowerment of a community where you can learn and grow.

It felt like Public was welcoming my non-experienced self with open arms. Their mission is to make the stock market inclusive and fun, two words that felt like the opposite of other website’s goals. They also incorporate a social media aspect, where members can share ideas and news in a feed with other investors. This meant that I would be able to learn and grow my confidence with the help of other, real people, not just stock experts that I would feel were talking down to me.

After years and years of putting it off, I can finally say that I, Madeline Galassi, am an investor. Here’s where I began, how it all went, and what I learned:

 

*The following is for educational purposes only and is not investment advice.

 





 

Where I began

In partnership with Public, they gave me $500 to begin investing. Once I had my funds in my app, I was prompted to invest in blue-chip stocks like Google and Apple to get my portfolio built. I chose to divide my $500 between five stocks, investing $100 each in Google, Apple, Disney, Amazon, and Visa.

The process was much easier than I had anticipated. I expected to be greeted with hard-to-understand jargon, but Public helped me get my money invested in the stock market immediately, and then I could easily trade and sell my stocks from there, right in the app. 

To decide what to trade, I relied on the social network part of Public to educate myself. I looked at what fellow traders were talking and excited about, which helped me understand which stocks were currently doing well without needing to have the NASDAQ ticker up on my TV all day (or have men on cable screaming about what I should invest in). I learned from real people who spoke in layman’s terms, and it helped me decide to invest in ACN (Accenture Public), something I previously had no knowledge about.

Being able to interact with other, real investors made investing something I actually looked forward to. I checked my app every day and watched my shares go up and down and began to understand why. I felt empowered, curious, and excited—three words I never thought I’d associate with my investing experience.

 

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Why fractional shares are a total game changer

My initial investments were toward blue-chip stocks with high buy-in rates, so how did I do it with only $500? One share of Google is currently $2,846, and I obviously didn’t have that to invest, but since Public lets you invest in portions of stocks (what I learned is called fractional shares), I was able to say the exact amount (which could be anything) that I wanted to put toward each stock. This meant that I still got to be an investor in these profitable, reputable companies that give a reliable return to investors, just at a scale that I could afford.

Something I learned quickly was how important being able to invest in fractional shares is to an investor, especially a beginner like me. Blue-chip stocks have extraordinarily high costs per share, which are amounts that someone like me would be uncomfortable investing in to start (and that I simply didn’t have the funds for). But being able to invest in portions of these stocks is important because of their return rate to investors. They consistently grow and make investors money, and by being able to invest an amount I chose, I could reap those benefits without needing to pay the high barrier to entry, which is a win for me.

 





 

I’m constantly learning from real investors

Public.com provides learning resources on their website, which helped answer the questions I had, from the super basic ones to the more in-depth. They had answers to questions I was embarrassed to ask—they even have a page dedicated to answering “what is a stock?”

I made it a goal to read through one question every day for a few weeks, which got me familiar with concepts I didn’t think I’d understand for a while, from what blue-chip stocks are (and look, today I was able to talk about them in my own words!) to understanding index funds. I was able to stick to it because their answers were free from intimidating jargon and instead stuck to terms that I was able to completely understand—and even find interesting—as someone with limited knowledge.

Lack of knowledge about the stock market is something that, honestly, I used to be very conscious about. In my day-to-day life, I’m surrounded by men who know the stock market like the back of their hand, and have been making money off of it for years. My dad has been a life-long investor, and my boyfriend and his three male roommates actually had a point in time where they were competing against each other for how much each could make in the stock market every day. It gave me such a deep, uneasy feeling of being behind, and I never thought I’d catch up to them. But guess who has been joining into the stock banter lately? A girl who used to stay silent throughout every conversation.

 

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How I felt four weeks later

After a few weeks of getting really comfortable, I started to follow some of their guidance and gathered information from other investors on what I might be interested in. I started a running list of stocks I was interested in investing in and watched what other investors were saying about each of them in my news feed.

One of my favorite parts of the app is the “theme” feature. It provides a list of different overarching stock themes, from cannabis to food delivery to even “Women in Charge,” which highlighted companies owned by women, and have lists of stocks to invest in under those umbrellas. I chose to sell one of my stocks and invest in Accenture Public, which is women-led and something I felt excited about making a priority for myself in my investing. It made investing feel more personal to me—I wasn’t copying what investing experts were telling me to do, but I was putting my money toward companies and leaders I truly believed in myself, which makes investing that much more enjoyable for me. 

Investing isn’t one-size-fits-all, nor should it be. There’s no rule that says I only need to invest in the stocks other investors say I should, and with Public, I’m able to learn about what I want to invest in in the future because it interests me. 

 

I learned it wasn’t worth being afraid of

Four weeks ago, the stock market felt like a big, scary thing that I needed a special set of skills to approach. I thought it was going to take me years and years to feel like how I feel right now: I have the basics under my belt and am excited to approach my future as an investor.

When I was given non-intimidating resources, I was able to not only understand investing but also actually enjoy the process and feel pride in doing something with my money—but I honestly don’t think I would have felt this way if I had approached it without Public. Public allowed me to learn and had resources that were meant for someone like me—a complete and utter beginner—and existed to help empower me without talking down to me or expecting me to Google every term they were using in order to understand. It gave me an easy-to-use app, community of like-minded investors, and tools to choose which stocks were the best for me to invest in. After all this time, I finally am an investor, and thanks to Public (and much to my surprise), I even feel confident about it. 

 

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Ready to sign up for yourself? Click here for a free slice of stock when you sign up with a new account!

Offer valid for U.S. residents 18+ and subject to account approval. There may be other fees associated with trading. See Public.com/disclosures/.

 





This post is sponsored by Public.com, but all of the opinions within are those of The Everygirl editorial board.

 

Tiffany, Jada, Yvonne, and Willow All Revealed Why They Shaved Their Heads

Portrait of four women with shaved heads next to each other.Courtesy of Facebook Watch/Red Table Talk

Red Table Talk is back on Facebook Watch for a fourth season, and its hosts, Willow Smith, Jada Pinkett Smith, and Jada's mom, Adrienne Banfield-Norris (better known as Gammy), kicked things off with a very vulnerable discussion. On Wednesday, September 15, they were joined by comedian Tiffany Haddish and Insecure star Yvonne Orji for a candid conversation about shaving their heads. 

Haddish starts off by sharing her story behind getting the Big Chop, noting that she shaved her head after spending some time reading the Bible and the Torah. "During that pandemic time — the beginning of the pandemic — I was reading the Bible more, checking up on the Torah and everything. Everything is talking about know thyself, know thyself," she said. In addition to spending some time with God in the early weeks of the pandemic, the comedian was doing reshoots for a movie that involved wearing braids that would have "taken hours [to take out]," further affirming her decision to cut her hair. 

Jada shared her story next, and she says to Haddish that her desire to shave her head was also "a mixture of a spiritual calling and dealing with hair loss. "Girl, at some point, you're hairline's going to be back here, [gestures to the back of her scalp], so we might as well just do it now," she says. Once the hair was all gone, Jada said she felt "more connected to myself and to the great divine in a very special way."

The discussion then turned to Willow, who confessed that getting up to do her hair every morning as a kid "just always felt just like a challenge or a chore." She continued: "And I just didn't feel beautiful. Like, I just felt like I looked like a Troll doll."

This frank conversation on shaving hair concluded with Yvonne Orji's story. Similar to Haddish, she decided to get the Big Chop in self-isolation during the COVID-19 pandemic as well. "I was looking like Krusty the Clown from The Simpsons 'cause [the hair] was growing out on the side. One day, I was like, ‘You know what? Let's go ahead and make this thing happen," she said.

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As Willow said, "hair holds energy," and even though these women no longer have these vessels of ardor, they all look as gorgeous as ever with their buzzcuts. To watch the full conversation — which includes how they dealt with the wide range of positive and negative reactions people around them had to the new, short styles — check out the first episode of Red Table Talk's fourth season on Facebook Watch above. 

The Best Hair and Makeup Moments From London Fashion Week

London Fashion Week SpringSummer 2022 Best Beauty Looks  Photos

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After a busy week of festivities in New York City, including, but not limited to, the VMAs, Met Gala, and New York Fashion Week, models, hairstylists, and makeup artists are heading over the pond for London Fashion Week. Yup, fashion never sleeps. 

As designers show off their spring/summer 2022 collections, fun hair and makeup looks are being displayed too. Tassels, magenta, and double-stacked winged liner are just a few examples of the vividness we're seeing on the runway and in lookbooks for LFW. 

We rounded up the boldest, brightest, and generally gorgeous looks and put them all in one place for all to enjoy. If you see some looks you want to recreate at home, lucky for you, we recommended some products to help make that happen. You're definitely going to want to grab your closest magenta eye shadow, cream blush, and liquid liners.

All products featured on Allure are independently selected by our editors. However, when you buy something through our retail links, we may earn an affiliate commission.

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What to Watch Next, Based on Your Zodiac Sign






Source: Alaina Kaczmarski

We don’t know about you, but we might actually spend as much time deciding what to watch as we do actually enjoying a series. And while we love to explore what’s out there in the streaming universe, we’re busy people—and so are you. In the interest of maximizing your time and getting you to the good stuff, we’ve made it our mission to help you find your next “so-good-you-recommend-to-everyone-else” series.

And while we await the creation of a dating app that will match us with a show based on our personality traits, we’re turning to the next best thing: Your next series to binge-watch is written in the stars. Here’s what to watch based on your Zodiac sign:

 

 





 

Succession

Where to stream: HBO

Number of seasons: 2

Aries are known to be passionate, independent, ambitious, and competitive as hell, which makes Succession an obvious choice for the Aries in need of a new binge-watch. In this HBO drama, we meet the Roy family, who controls Waystar Royco, an international media conglomerate. As the aging patriarch of the company and father of the family contemplates what the future holds, the rest of the family struggles for power and control as loyalties collide. 

 





 

Suits

Where to stream: Amazon Prime, Peacock

Number of seasons: 9

Tauruses think deeply about all things money, love, and career, which makes Suits the perfect binge-watch on a weekday night. In this legal drama, a team of lawyers is launched into a battle for power when a new partner joins the firm. With heartbreaking betrayals, fiery romances, witty banter, and nine seasons, this one will keep you entertained from start to finish.

 





 

Behind Her Eyes

Where to stream: Netflix

Number of seasons: 1

Geminis might just be one of the most dynamic signs of all: They’re versatile, expressive, curious, passionate, and they love a good plot twist in their choice of entertainment. By the standards of any Gemini, Behind Her Eyes, a psychological, supernatural thriller with a touch of romance, is worth the watch. With twists and turns they’ll never see coming, it’s a show that they’ll recommend to anyone who will listen.

 





 

The Chair

Where to stream: Netflix

Number of seasons: 1

While Cancers are known to be a bit intense, they have a funny side with a dry sense of humor—kind of like one of Netflix’s newest dark comedies, The Chair. When a woman at a large university becomes the first woman of color to step into the role of Chair, she is challenged with meeting the conflicting demands and high expectations of saving a failing English department. While the content is urgent in nature, it makes room for dry humor that will make you fall in love with the first season and long for a second. 

 





 

Real Housewives of Potomac

Where to stream: Hulu, Peacock

Number of seasons: 5

If there’s one sign we secretly wish that we could all be, it’s a Leo. Known famously for being outgoing, firey, self-assured, and adventurous, Leos deserve a show that’s as bold as they are. And when we think unapologetically fabulous, we think of Real Housewives of Potomac. With five seasons, a ton of “did she just say that?” drama, and bold personalities all around, this reality TV series serves up all of the tea you could ever want.

 





 

Grace and Frankie

Where to stream: Netflix

Number of seasons: 7

Whoever said that diamonds are a girl’s best friend must have never met a Virgo. Virgos are the Golden Retriever of the zodiac signs: bold, intelligent, warm, and courageous. And what better storyline of female friendship than our all-time favorite comedy-drama series, Grace and Frankie? This rivals-turned-friends storyline is one that we hold near and dear to our hearts and one that keeps us laughing for hours on end.

 





 

Dear White People

Where to stream: Netflix

Number of seasons: 4

Libras are lovers of balance, justice, and exploring multiple viewpoints, and for that, we can’t help but recommend one of our all-time favorites, Dear White People. In this comedy-drama series based on the film with the same name, a group of students of color at Winchester University use irony, self-deprecation, brutal honesty, and humor to highlight issues that still plague today’s “post-racial” society.

 





 

The Queens Gambit

Where to stream: Netflix

Number of seasons: 1

Scorpios tend to be pretty intense. They’re passionate, stubborn, brave, and unafraid of controversy, making The Queen’s Gambit a guilty pleasure for Scorpios everywhere. In this drama miniseries, a young chess prodigy will do anything to rise from an orphanage to the world stage, no matter the cost. While grappling with mental health issues, romance, and addiction, her will to become the greatest remains unwavering in the face of conflict.

 





 

Outer Banks

Where to stream: Netflix

Number of seasons: 2

We love a Saggitarius—extroverted, optimistic, funny, generous, and a born-adventurer—just as much as they would love both seasons of Outer Banks. This action-adventure mystery has it all: on-point chemistry between characters, a wild treasure hunt, a bit of humor, and a ton of mystery that will keep you coming back for more. With a recurrent theme of friendship and an action-packed plotline, you’ll want to finish both seasons in one sitting.

 





 

Peaky Blinders

Where to stream: Netflix

Number of seasons: 5

Capricorns are serious, tenacious, disciplined, detail-oriented, and intelligent, which makes them the perfect viewer for the critically acclaimed series Peaky Blinders. This British crime drama tells the tale of a notorious gang led by the fierce (and easy-on-the-eyes) crime boss, Tommy Shelby, who will do whatever it takes to move his family up in the world, no matter the cost. While the beginning of the series takes some setup and time to gain momentum, Capricorns’ affinity for discipline and detail is perfect for the high-investment, high-reward payoff.

 





 

Ted Lasso

Where to stream: Apple TV+

Number of seasons: 2

Aquarians deserve a show as fun-loving, sweet, and quirky as they are, so it would be no surprise if Ted Lasso was at the top of their watch list. In this outstanding comedy series, Ted Lasso, a small-time football coach hired to coach a professional soccer team overseas with no experience, takes on an uphill battle of bringing a team together with optimism and underdog determination. It’s a feel-good show that’ll make you wonder why you didn’t hop on it sooner.

 





 

Never Have I Ever

Where to stream: Netflix

Number of seasons: 2

Pisces are creative, intuitive, emotionally intelligent, sympathetic, and totally wear their hearts on their sleeves, so they’ll definitely fall head-over-heels in love with Never Have I Ever. In this coming-of-age romance meets comedy meets drama, we meet Dev—a witty, first-generation Indian American teenager who wants to make the most of her social life in the wake of a traumatic year. 

 

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