If thinking about investing in the stock market gives you major anxiety, you're not alone. Before completely writing off anything having to do with investing, make sure you're aware of all of your options. Investopedia surveyed 1,405 affluent millennials and discovered that 40 percent of respondents agreed that investing in the stock market was "risky" and almost a quarter claimed that it was overwhelming. This is unsurprising with the investing horror stories detailing the hundreds or even thousands of dollars naive investors lost, but that doesn't have to be your story.
Various investment options are low-risk or even zero-risk, but when you take on less risk you'll probably have lower returns. As long as you're willing to offset your investment growth on the premise of safeguarding your initial investment, then you have several options at your disposal.
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Certificates Of Deposits
If you're feeling a bit apprehensive about investing in stocks and bonds, but yearn to make more money than holding your money in a standard savings account, then purchasing a certificate of deposit (CD) can be a great investment to start with. Certificate of Deposits are products provided by credit unions and banks that pay customers not to use a lump-sum deposit for an agreed-upon period. In return, these institutions offer an interest rate premium.
Before rushing to purchase a CD at just any bank, brokerage firm, or credit union, you should know that all certificates of deposits are not the same. Shop around a bit to find the financial institutions that offer the highest interest rate premiums, so you can have higher gains on the same lump-sum of money you were going to invest in CDs anyways.
Treasury Notes, Bills, & Bonds
Without a doubt, Treasury notes, bills, and bonds are some of the safest investments because they're guaranteed by the U.S. government. Yes, that's right. Uncle Sam guarantees to pay back your principal with interest on top. Cha-ching! The Treasury Department auctions all notes, bonds, and bills with a fixed-interest rate, which is an interest rate with a set amount of interest on a line of credit or loan. While there is a high demand, bidders will pay more than the face value to receive the fixed rate, and vice versa when demand is low. When an investor holds treasury security until term, they'll receive the face value back, as well as the interest paid by the issuer over the life of the bond.
Treasurys have the lowest interest rates of all fixed securities. These securities are risk-free, but low-risk brings lower interest rates, decreasing your potential for larger returns on your investment.
What exactly is the difference between all three Treasurys? They differ because of lengths of maturity, essentially the Treasury notes are distributed for terms of two, three, five, seven, and ten years. Treasury bonds are only issued for terms that are less than a year, while Treasury bonds have the longest length of maturity with a term issuance of 30 years!
High-Yield Savings Account
A high-yield savings account is for the woman who is saving for a rainy day, so she needs to have quick access to her emergency fund. Unlike other savings account options, high-yield savings accounts allow up to six withdrawals without incurring any penalty fees! The lack of long-term commitment is a great plus for any low-risk investor who fears losing access to their savings when they need it the most.
According to CNBC, the top five high-yield savings accounts' annual percentage yield (APY), or rate of return, is at minimum 10 times more than the 0.04% national average APY offered for traditional savings accounts. A simple switch from a traditional savings account to a high-yield savings account would offer a higher rate of return, while still providing zero risks.
Money Market Accounts
Money Market Accounts (MMA) are similar to traditional savings accounts and high-yield savings accounts because they're a type of deposit account that earns interest. Banks and credit unions issue money market accounts that are federally insured up to $250,000 per depositor, so there's no need to worry about losing your funds.
MMAs typically require a higher minimum balance, but sometimes offer higher interest rates than the traditional or high-yield savings accounts depending on the issuer. The major difference between Money Market Accounts and other savings accounts is the ability to use a debit card or check to make purchases.
Also, keep in mind many issuers charge fees if you max out their withdrawal limit for the month.
Now that you have the proper knowledge about low-risk investment opportunities, you're equipped to figure out which low-risk investment is right for your specific needs. Investing doesn't have to involve a roller coaster of emotions like many think, as long as you make strategic investments to control the amount of risk you're willing to take on.
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Why can’t (more) singles just be single and be okay with that? Good Lord. Why does there need to be some sort of relational play-on-words to make it sound like we’re with someone — even if we’re not?
Now masturdating? Even though it’s not even close to being a “real” word, it’s something that also brought a laugh outta me — although it was then followed by a genuine smile. The laugh because I almost immediately caught the play-on-words. The smile was due to the intention behind it all.
If you’re not familiar with what masturdating is and you’re curious about why you should even care, take a few moments to at least skim through what it’s about and why I think participating, as a single person, is a pretty cool (and effective) concept.
@knotlukas Masturdate: a date w oneself
What’s Masturdating All About?
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Masturdating. Okay, so let the word marinate for just a moment. What does it sound like? Yeah…exactly. And since a huge part of masturbation centers around self-pleasure, it’s cool to explore how “self-dating” could produce similar (as far as pleasure is concerned in a broader sense) results. Because masturdating is all about spending quality time with yourself, pampering yourself, treating yourself— and yes, taking yourself out on dates.
Any of you who may think that masturdating is a consolation prize — and a pitiful one at that — for not being able to go out with another human being or get that dream $200 first date that social media was all in a tizzy about last year (bookmark that) — personally, I think that you’re the demographic who needs to try out masturdating first and the most. Why? Off top, I’ll share my three good reasons.
3 Reasons To Strongly Consider Masturdating
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1. It’s an intimate way to get to know yourself better. I’ve been working with couples for a pretty long time at this point and if there’s a pattern that I see arise, OFTEN, it’s that two people are oftentimes so busy trying to “find their person” that they didn’t even know who they were. As a direct result, they found themselves in a relationship with someone who only complemented the “kiddie pool version” of who they were.
That’s why it can be so beneficial to spend time getting to know yourself on the “deep end” of things: what makes you tick, what your passions are, what you want most out of life, what are your interests beyond obvious things — and masturdating can help you to discover all of this. Whether it’s traveling alone or taking out a weekend to drink some wine and journal, the more you get to know yourself, the clearer you’ll be about who complements you on a romantic and friendship level.
2. It will definitely help to boost your confidence levels. I guess since I’m an ambivert, I don’t really get why people freak out at the mere thought of going to a restaurant or movie alone. Personally, I think it requires a helluva lot more energy and gumption to wait around and plan stuff with other people (#Elmoshrug). However, whether you’re an introvert, extrovert, or ambivert, there’s no way around the fact that the more comfortable you get with doing things alone, the more your confidence levels will increase — no, soar — because of it.
One article that I read on the topic said that doing things alone can make you more creative, improve your mental health, and help you to be totally okay with being alone (so that you’re not “needy” for other people’s attention). A psychotherapist from a New York Times article on the benefits of spending time alone said, “Getting better at identifying moments when we need solitude to recharge and reflect can help us better handle negative emotions and experiences, like stress and burnout.” And when you’re able to stare negativity in its face without flinching, how could that not make you bolder, more self-secure, and hopeful about your life?
3. It will teach you to value your time more effectively. In every facet of your world, you’re gonna operate from a healthier place if you’re operating from a “full cup” rather than an empty one. When it comes to this topic, think about it — if you’re constantly waiting on someone to call you to go out or wishing for a dream date with some guy, all you’re doing is wasting precious time that you could be spending taking a cooking class or hell, hiring a chef to make you dinner at your own home.
Indeed, waiting has two sides to it: when it’s in the form of patience, it is indeed a virtue, yet when it’s wrapped up in the notion that you’re not really living life unless you have an audience…it is totally working against you. Choose wisely.
10 Solo Date Ideas To Help You To “Master” Masturdating
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So, what if you’re someone who has either never considered actually masturdating before or you don’t really know what to do beyond dinner and the movies? Here are a few ideas to consider:
1. Attend a workshop or masterclass that you’re interested in. If there’s something that you’ve always wanted to learn, sign up for a workshop or masterclass. The cool thing about this option is there are probably some in your city, as well as some that you can find online (like here) that are convenient and affordable.
2. Binge-read at a local coffee shop. Aside from their coziness and oftentimes inviting scents, I once read that a lot of us gravitate to coffee shops because we can be around people without having to actually socialize with them. So, if you want to “hang out” while still being able to enjoy a bit of solitude, take a book that you’ve been trying to finish to a local coffee shop, order your favorite latte, and sit in a big-ass comfy chair. Usually, you can sit there for hours, and the staff will be just fine with it (another bonus).
3. Have a spa day in the next town. You can never go wrong with a spa day. And while going with a friend can be fun, sometimes there’s too much talking transpiring to be able to fully chill out and relax. So, go off of the grid, get a change of scenery, and hit up a spa in the next city (or town). There are lots of studies out here supporting that day trips or “daycations” can actually be really good for your long-term health and well-being.
4. See a community play. Some of the best solo dates that I’ve ever been on consisted of taking in some of the local arts in my city. What’s really cool about this particular option is, oftentimes, they are extremely inexpensive, if not totally free of charge (in exchange for making a donation or putting money into a tip jar).
5. Plan a trip. Whenever people say something along the lines of, “If you don’t expect anything, you won’t be disappointed,” I know that they low-key have some (additional) healing to do from past disappointments. There’s simply too much intel out here to support that anticipation (of good stuff) makes us more motivated and optimistic, keeps our dopamine levels up, and makes life more exciting overall.
Since traveling alone is more cost-effective, gives you the freedom to do whatever you want (when you want), and increases the possibility of meeting new people and having new experiences on your journey — why not devote a day this weekend to planning a solo trip? All the way around, it’s good for you.
6. Try your hand at your own “$200 date.” Uh-huh. Roll your eyes if you want to, but it’s real easy to talk left about how a man should be able to just drop $200 like it’s nothing…until you actually try to do it. So yes, while taking yourself out on this type of date could serve as a bit of a reality check, it can also “scratch the itch” of waiting on some dude to do it for you. It’s also way less emotionally draining because, at least when you’re taking your own self out, it’s guaranteed that you’ll enjoy the company…right?
7. DIY some pampering. When you get a chance, check out “5 Reasons You Should Unapologetically Pamper Yourself,” “Want To Love On Yourself? Try These 10 Things At Home.,” “I’ve Got Some Ways For You To Start Pampering Your Soul,” and “When's The Last Time You Actually Pampered Your Vagina?” The bottom line here is pampering is all about, not mere self-maintenance; it’s all about treating yourself to levels of EXTREME SELF-INDULGENCE. So, if nothing else tickles your fancy on this list, at least consider doing that, chile.
8. Feed your creativity. Something that I used to be really good at is art. That said, one of my goddaughters is insanely talented, so she has reminded me to tap back into it. Also, a big part of what got me into the writing world is poetry; I actually used to be a house poet at a local spot. Sometimes, my best quality time moments with myself have been revisiting these creative sides of me — and this is definitely easier to do (and enjoy) alone.
9. Try some stargazing. When’s the last time you took a blanket into your backyard, laid down on it, and just stared at the stars for hours on end? While some say that stargazing can teach you to be mindful, others say that being in that form of nature reduces stress, while others believe that looking up at the universe at night can increase your attention span. All solid reasons to give it a shot, if you ask me.
10. DO. ABSOLUTELY. NOTHING. Let me tell you something that nobody will ever be able to make me feel bad about: doing absolutely nothing. I’ve got data to back me up. Good Housekeeping shares that doing nothing can help you decide how you want to respond or react to certain things. I like howThe Guardian says that taking this approach helps you to regain control of what you give your attention to.
TIME magazine says that it can ultimately make you more productive.BBC offers up that it can help you tap into your ingenuity.Henry Ford Health says that it can make you kinder and a better problem-solver. So, if you want to invest in yourself, do nothing sometimes.
Closing Thoughts from the Lovely Javicia Leslie
While some of y'all may know Javicia Leslie from being the former Batwoman, I discovered her back in the day from the indie series Chef Julian (and yes, "Julian" was right to say that "Mo" looks like Tatyana Ali...the real ones know). Sometimes I'll hop on her IG to see what she's got going on and this story popped up within a few hours of me penning this...so, I took it as hella confirmation.
TREAT YO SELF. WAIT FOR NO ONE.
WAIT FOR NO ONE. TREAT YO SELF.
RINSE AND REPEAT.
_____
Sooo…what kind of masturdating plans do you have for this coming weekend? While going out with others has its perks, hanging out with yourself has a ton of ‘em too. Enjoy!
No…for real. ENJOY!
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