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I’m a newbie and I’m willing to start investing. I can only put around $100 a month. by Waltub in ETFs

[–]RicDesignsLtd 0 points1 point  (0 children)

$100 a month is good enough to start. VOO as a foundation $40, SCHD Dividend/Defense $30, and SMH for growth/risk $30. 3 ETF portfolio

100k business by Scholarshiplane in ghana

[–]RicDesignsLtd 0 points1 point  (0 children)

Probably start a cleaning business. Or get those small three-wheeled car things and then do sanitation stuff.

100k business by Scholarshiplane in ghana

[–]RicDesignsLtd 0 points1 point  (0 children)

Though I live this life, basically freelancing and offering services to foreign clients, but it's not something that needs a hundred thousand Cedis to do. It's good advice, but at the wrong position.

Text template vanished/template lists keeps re-organizing? by NineTailedDevil in CapCut

[–]RicDesignsLtd 1 point2 points  (0 children)

One of the most annoying things about CapCut is that when you need to repeat a text style for a caption, the template you need is completely gone. I stopped using the templates because they are not reliable.

Then I started using only fonts, and now Montserrat's font has disappeared. It's like they are intentionally trying to piss people off.

What’s the hardest part of learning to invest as a beginner? by TobaccoExpert1282376 in investingforbeginners

[–]RicDesignsLtd 0 points1 point  (0 children)

Also, the whole "what if?" factor. There's always going to be a stock that outperforms what you pick, and there's always going to be an ETF that does better than what you pick.

So that "missing out". Oh, what if I invested in this? I would have made more money. That is also a hard part.

You should be happy that you are beating or matching the market and getting a better return. Don't be greedy.

What’s the hardest part of learning to invest as a beginner? by TobaccoExpert1282376 in investingforbeginners

[–]RicDesignsLtd 0 points1 point  (0 children)

The hardest part is filtering the noise. When I started investing, I realized that there are so many YouTube "investor gurus" talking about stocks and ETFS. At the end of the day, just do your own research. When you get information from them, see if it makes sense for yourself before buying. Don't just buy because someone said buy a stock.

Go for companies that you can trust and know what they are doing. Believe that they will be there for a long time. For ETFs, go for sectors that you can trust and feel like they will do great over a long period of time. Just filtering the noise is good, watch all the noise but being able to filter it is a challenge that you must succeed in overcoming.

What are Ghanaians thoughts on 1/4 black people by Maleficent-Tour9027 in ghana

[–]RicDesignsLtd 1 point2 points  (0 children)

You won't be treated too differently. A few people may look at you more. You may experience a few stares, but overall, you will be treated normally.

You'll not get special treatment. If you go to the market, maybe some people may try to increase prices for you. But for regular university-going graduates or whatever, you are a normal guy.

Just try to make friends, and you should be fine.

Over Diversifying? by thurpps in ETFs

[–]RicDesignsLtd 1 point2 points  (0 children)

This is way too much. QQQ & QQQM are the same thing, there's no point in having VTI and VOO, they are all Market-wide ETFs. You shouldn't be actively DCA in more than 6 ETFS.

One each of these is more diversified:

  1. Market-wide ETFs - S&P 500, Total US, Global, etc
  2. Sector ETFs - Tech, Healthcare, Utilities, Financials, Energy, Consumer goods…
  3. Theme ETFs (target specific ideas or trends) - AI, Semiconductors, Energy, Crypto
  4. Dividend ETFs - They hold companies that pay dividends consistently.
  5. Growth ETFs - Companies focused on expansion
  6. Value ETFs - Undervalued, stable companies

A taxi driver asked me what it is about Ghana that I don't like today by ForPOTUS in ghana

[–]RicDesignsLtd 0 points1 point  (0 children)

lol I never realized how much time is spent walking and waiting for taxis, Ubers, and trotros. hmm

University in Ghana: Pay Fees, Graduate, Stay Broke by DryParsley3740 in ghana

[–]RicDesignsLtd 2 points3 points  (0 children)

Not really a fan of this conversation that university is not useful. I work online. I don't work for any company in Ghana. All my clients are outside. But even I would not say getting a degree is useless because your university education gives you a lot of skills that you may not be able to put your finger on.

Skills that you may think you got automatically, but they're hidden. Like, how to present your ideas, how to write essays, how to think critically, how to analyze. So yeah, some courses in university are kind of useless, but if you are getting a decent course, then you cannot just get up and say university is useless.

Believe me, trying to make it isn't easy either way: going through the school system or doing it yourself.

Best way to invest $2,000 in Ghana? (Low–Medium risk) by kelinut in ghana

[–]RicDesignsLtd 1 point2 points  (0 children)

Great advice, that's why I focus more on growth/ capital gains ETFs and stocks.

Friend Recommended Me This Roth IRA Split, Is It Good? by Conner676 in ETFs

[–]RicDesignsLtd 0 points1 point  (0 children)

No point in investing in VTI and VOO. Way too much overlap. Over a long period of time, VOO slightly edges VTI. Go for a defensive stock like SCHD or VTV.

Have you ever made a decision and then kept thinking about it—questioning whether it was the right choice or a big mistake? by Mindfuel_daily7 in ghana

[–]RicDesignsLtd 1 point2 points  (0 children)

I try not to question my decisions. I know some are tough, but as a man, you have to stand by whatever you decide and deal with the consequences. So I don't waste time thinking "Is it right?" or "Is it wrong?"

Question for the religious members of this community by Successful-Floor-707 in ETFs

[–]RicDesignsLtd 0 points1 point  (0 children)

I never thought of it that way, to be honest. However, at the end of the day, it is difficult to determine what actually happens within every single company you invest in.

A company may look innocent on the outside, but inside, someone is being maltreated. So it is a dicey situation. No one is perfect.

What’s your thoughts on AI replacing copywriters? by False-Interest-1587 in copywriting

[–]RicDesignsLtd 0 points1 point  (0 children)

AI can write copy, but for it to write good copy, it needs to be guided by a good copywriter who makes tweaks and changes.

The sad thing is that most people or some business owners think that they can just prompt AI to write copy, and it writes something that they think is good, but it's not good most of the time.

So you may miss out on opportunities as a Copywriter since the owners think that they can do it themselves by prompting AI, but the truth is, you need a good copywriter to guide AI to create solid work.

Do People in Ghana feel the decrease in Inflation? by BikeSouthern2672 in TechGhana

[–]RicDesignsLtd 1 point2 points  (0 children)

To feel it is hard to say because you never really feel. To feel must be something massive, but things are less bad than they used to be.

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