In this insightful episode of The Good News with Angie Austin, we delve into the importance of investing with special guest Dan Stein from Charles Schwab. In honor of National Investing Day, Dan shares valuable tips for new and seasoned investors alike, emphasizing the significance of starting early and staying committed to your investment journey. We also explore the pivotal changes brought by May Day 1975, which revolutionized the accessibility and affordability of investing for the masses.
Welcome to The Good News with Angie Austin. Now, with The Good News, here’s Angie.
SPEAKER 03 :
Hello, this is The Good News with Angie Austin. Well, May 1st is National Investing Day, and today we’re turning to an expert for advice on getting invested and staying invested. Joining us is Dan Stein, VP and Branch Manager with Charles Schwab. Welcome, Dan. Thanks for having me, Angie. You are welcome. Well, this is right up my alley. All my kids started investing when they were about 13, and they all have jobs. One runs a business, and so this is something we talk about in our home a lot. So let’s talk about, first of all, why did Charles Schwab launch National Investor Day, and what are the goals?
SPEAKER 07 :
Yeah, I’d say just hearing that, your kids are a good case study in it, right? Because getting people involved in investing early on really helps with those life skills that pay dividends down the road. But one of the major initiatives behind National Investing Day is to get people excited, encouraged, enthusiastic about what investing means for their long-term potential to reach their goals, both financial and life goals. And there’s a lot of noise out there that can help or keep their finances or from getting involved early on. And we want to remove that. We want people to see the excitement that actually happens when people recognize the power of investing. So National Investing Day, it’s one day, but we hope that that spirit runs on throughout the entire year where people are actually excited about what this can do.
SPEAKER 03 :
Well, I love the idea of doing that. I think just so many people when I see are just misinformed or if they had more knowledge, they’d have more power. This last week, my husband sent a text out to the kids. We’re on like a family text, obviously. And it said something like, if you put away $27 a day, every day starting now, you’ll have this many million dollars by the time you retire or whatever. And then he has little groups of the friends come over and we talk about compound interest. And he uses Starbucks as an example because, you know, they’re going there and spending eight bucks on a drink, and then he adds up if they skip it and blah, blah. So you know how much they’ll have later in life. So I love the idea of this whole knowledge is power. What is May Day 1975? Didn’t the SEC do something that was really pivotal to investors back then? Can you talk about that?
SPEAKER 07 :
Yeah, it’s a great question. I love the example you gave, too. We do a lot of work with youth organizations. And I remember speaking at a high school once and just showing an illustration of exactly what you just mentioned. They just die. Don’t believe it. Well, we, we ended up having some kids at the end, running down the halls, yelling that guy from Schwab just showed me how to be a millionaire. And that was, uh, that was a powerful takeaway, but, uh, but going back to your question. So, so May 1st, 1975, right? So a lot of listeners might have been investing at the time and we might have some listeners that weren’t investing or maybe weren’t alive at the time, but, uh, It’s important to know that, hey, today we live in an age, especially at Schwab, of no commissions for trades. But that was not always the norm. Commissions used to be exceptionally high, and they were a barrier to entry to a lot of people to get involved in the stock market. So May 1st, 1975, the SEC deregulated commissions. They no longer set the rates of what commissions should be, and that gave firms the power to choose their own direction. Well, there were some firms that chose to increase commissions and said, hey, this is an opportunity to increase profits. And then our founder, Chuck Schwab, said, hey, this is an opportunity to lower commissions. This is an opportunity to give the masses the opportunity to have the power to invest in the stock market that otherwise might not have the chance because of the high commissions. So since then, in the 50 years plus that have followed, we have looked for every opportunity to continue to reduce costs and increase the value that we bring to investors because it’s just such an important way to take control and to reach your goals. And we think everybody should have access to it.
SPEAKER 03 :
I love it. I love it. Well, let’s just start in terms of investing with some tips for those people who really aren’t sure where to start. Oh, and I’ll add my first one. And this is going to sound so silly, Dan, but we go out to eat not a lot. But when we do, I used to always order water and everybody else would want to order a drink. And there’s five of us in the family and my mom, six. And then when the grandparents come, eight. So eight drinks, let’s say that’s 40 bucks. Right. So anyway, now all the kids order water. And it’s so weird. I never told them they had to, but they get it that it adds up. So that’s just a small one.
SPEAKER 07 :
That’s funny, right? And then, you know, you could use that example. All right, $40 every meal for the next 30 years. What’s that go to? But you make a good point, right? That comes right back to where it all starts. It gets started early. So we might have some people on the line that say, you know what? I’m past that, right? I’ve already been started. I’ve been started for a long time. And, you know, to those listeners, I would say, hey, take some of these lessons from Angie here, who is talking about these are things that I did to educate my kids early on. So use National Investing Day as that platform to say, hey, if I have people in my family, kids, grandkids, other loved ones that I might recognize, I’m not sure that they fully know what it means to invest and how powerful it is. Use this as an opportunity to say, I want to go out there and change that. I want to provide that education. If you are on that other side where you’re one of the newer investors that said, I haven’t really gotten started the way I want to, I would say that the other really pivotal goal of the day is to take action, to recognize that there’s a lot of people out there that are willing to help. So one of the things I love about Schwab is I know it’s a firm that’s just full of people that legitimately want to help other people reach their goals and provide all the value that we can, all the education. so you know one great place to start just go into our website at schwab.com from there there is a wealth of resources you can see to do your own research online but you also reach out to a local branch if you want to meet somebody face to face and then we also have phone numbers like our 1-800-435-4000 line where you can call seven days a week 24 hours a day and reach people with questions about how to get started
SPEAKER 03 :
Okay. Now, you deal with so many people, and you’re talking to your people within the organization about people’s concerns. So what are some of the common questions or concerns that you hear from the public when they get started with investing?
SPEAKER 07 :
Yeah, I’d say the first one is one that is a concern both with people getting started or people that are continuing on that path. And earlier you had mentioned about getting invested, staying invested. One of the concerns that comes up all the time is, is this the right environment to be investing? People that are looking at the headlines and they see conflict in the Middle East, they see oil prices and inflation, and they see news articles about AI and the valuations, and they say, should I be investing? Well, if that’s your mindset, you’ll probably never get invested because we are always going to have risks in the market. Markets don’t always just go up, right? They go up and down. If your concern is, if I get started investing today and the market goes down tomorrow or next week or next month, then I’m going to lose money. Well, that’s what we want to help people overcome because we want to build a long-term plan for you. One that you can help recognize that even if you do see an immediate drop in value when you invest, that over the long run, want to help make sure that people continue to invest and stay invested. Because you can go back and look at any period in history, and you’re going to see drops in the market, sometimes large ones. And historically, the market has always overcome it. So that’s a concern that we see. And then the other one I think you already alluded to is just people not knowing where to get started. People get overwhelmed. They have a lot of questions. They say, you know, is this the right time? What type of account should I use? What should I even buy? And then something else comes along in life, and they get a little bit derailed and say, you know what? That’s too overwhelming for me to address right now. I’m going to focus on this other thing. So we want people to recognize, you know what? It’s a commitment that is worth the investment of your time, even if you’re only setting aside one hour, to put it on your calendar, to block it, to say, this is the hour that I’m going to reach out to somebody like Schwab, and I’m going to find out what I can be doing.
SPEAKER 03 :
Or let’s talk a little bit about the experienced or moderately experienced investor, helping them to continue to grow.
SPEAKER 07 :
Yeah, glad you bring this up because no doubt, of course, we have a lot of listeners that might say, hey, I’m in a good place. I’ve been investing for 20, 30, 40 years. I’ve done well. My investments have grown. I’ve built a good portfolio. So what do I need to listen to this for? So even with the most seasoned investors, the people that have done well with their portfolios, there is always opportunities to fine tune and make sure that we’re not leaving any risks on the table. So give you an example where we help with clients like that, people that might come to us because they’re They’re going through a transition life. They’re going from working to retirement. They’re concerned about, hey, what’s that going to look like when I no longer have this reliable income stream of my salary? And helping people to make sure that their portfolio can generate the type of income they want in retirement. At the same time, they might be looking at, how should I take Social Security? Do I take it early on? Do I wait until 70? Well, we take a look at your whole holistic financial plan, what your spending goals are, your savings, your current assets. And we can actually help make that decision, which seems like a daunting one. We look at insurance coverage. We look at areas like estate planning. Do you have a sound one in place? So for the more seasoned investors that are listening, I do want everybody to know that no matter how successful you’ve been on your own, you can always get a benefit from getting a second set of eyes on somebody to look at your situation from a fresh perspective.
SPEAKER 03 :
Yeah, you just mentioned a lot of things that I probably don’t think about when I think about investing. You think about your major accounts, and insurance is such a big part these days of your investing and the other things you mentioned as well. So I appreciate that. Oh, and hey, by the way, you were mentioning high school and talking to kids. I’m so glad you’re doing that. So I love that.
SPEAKER 07 :
And we actually do a lot of work with a lot of youth organizations, Boys and Girls Club and SIFMA. And we do do market challenge events, so people can get hands-on experience with hypothetical funds of what investing looks like. And we’re also launching a teen investor account where teenagers 13 to 17 can actually have investment accounts with the support of their parents and have some real hands-on experience with investing and
SPEAKER 03 :
Yeah, and I – they’re so young, and they’re still figuring out – even my son, who’s fairly savvy, my husband told him to buy the Dow, and he bought Dow Chemical. And then he was like, oh my gosh, I bought the wrong thing. I didn’t buy what you said. But then with what’s been going on with gas prices, etc., he actually – did really well by buying you know in the oil industry so it was kind of like a mistake that you know worked out for him but what you said about buying things for or telling your kids to hey you really like nikes or you really like you know reebok or whatever i remember oprah saying that a long time ago like things that she really believed in she thought were really hot you know investing in those things and i think particularly for kids like you said with the video games When they’re investing in something they believe in, they enjoy that they’re spending their own money on, that’s kind of a cool way to make it more tangible for them and being able to buy a piece of a big stock. That’s super cool. Are you seeing, with all the trends you’re seeing, are you seeing people starting to invest at an earlier age?
SPEAKER 07 :
Yeah, we are. And it’s a great trend that we’re seeing. And quite frankly, I think it’s because of some of these stories that we’re sharing here is we highly encourage people to really make sure that you are trying to educate future generations and not even just your own family, kids, grandkids, but family, friends, maybe their nieces, nephews. and, you know, kind of get them excited about what investing can do, right? I shared the story of kids run down the hall saying, Hey, somebody showed me how to become a millionaire. Well, we are kids would be excited about what investing can do for them in the long term. And we’re seeing that happen. We’re seeing these conversations happen regularly. So we’re seeing more and more of, you know, the next generation and younger investors coming in, asking how they can get started might be people that got their very first job and, They’re wondering if somebody can explain to them how this whole 401k match works and if that’s the right place to put their money. Love having those conversations because that’s somebody that’s setting themselves up for success because they’re starting so early.
SPEAKER 03 :
Absolutely. Well, I went from my mom didn’t graduate from high school. She dropped out, I think, in 10th grade. I grew up in low income housing. And then through, you know, educating myself out of poverty and investments, I would I would venture to say that we’re quite successful now. So that’s just one generation of changing like my lifestyle for my family. So my kids are in a completely different situation, whereas I work full time all through high school and college now. and seven days a week all through my 20s, they don’t have to work quite as hard as I did to make something of themselves. So it’s just one generation. You can completely change the future for yourself and your kids. So, I mean, you’re speaking my language. I want to make sure people know where to get more information.
SPEAKER 07 :
Yeah, really well put there. It’s a great story. And, you know, any way that we can help. Right. And you get other people involved and interested in learning more and you need a place to send them to actually do the hands on education and training. Send it to us, right? We want to help out. So again, a great starting place, just Schwab.com. It’s a great landing place where you can see numbers to call in for help over the phone, our local branches, and there is a lot of great content on there from our experts. And for our younger generation, we have Schwab MoneyWise at SchwabMoneyWise.com where there’s information around budgeting and kind of some of the early concepts of investing they can learn there. But reach out. Right. There is there’s no question that should not go unasked. We want to make sure that we can help out with any questions people have.
SPEAKER 03 :
Awesome, Dan. Great info. Thank you so much. Thank you. Pleasure being here.
SPEAKER 02 :
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SPEAKER 03 :
Trinidad is listening to the Mighty 670 KLT. Hello there, friend. Angie Austin here with the good news. And the good news is I’m having my person, my cousin, cousin Lori, join us because she’s just such an upbeat, positive, energetic person who’s so organized and always has a project going. But also, she has pretty much the entire time I’ve known her my entire life been about the same weight. And she is so healthy, always taking walks, eating food that’s not processed. Welcome back to the program, Cousin Lori.
SPEAKER 06 :
Well, thank you very much. It’s nice to talk with you again.
SPEAKER 03 :
Well, you know, it’s funny because your dad, when I called him to say when I knew he was getting up there in his mid 80s and I’m so I was so close to your father. He’s such a wonderful guy, even though I was estranged from my own dad for 30 some odd years. Your dad, it was just I always wished I had a dad like your dad. So anyway, I called him and I said now. Don’t you ever worry about Lori. I said, when you’re gone, because you and your dad were so close, we’ll take care of her. My kids and I, she’ll always have us, because Lori’s husband’s older. And your dad goes, oh, I’m not worried about Lori. She’s going to outlive you. And I was like, oh, I’m so glad I called to comfort you. Thank you. Thank you. Thank you. But you are an extremely healthy person. And we’re going to be talking about vaccines and health in a minute with a couple of doctors joining us. but I had been seeing where I told you a lot of information on my feeds about ultra processed foods, UPFs and how these UPFs are contributing to more chronic disease and illness. And I was shocked at these, the packaged foods, the frozen foods, the snacks, the sugary drinks. And they were talking about how these UPFs are leading to more disease. And I thought, cause I, Eat a little bit more of that stuff that I used to, and I eat it in a really small amount, but you eat so much non-processed food. You’re always catching fish, and you’re eating salmon, and you’re processing it for the whole year. You really stay close to the earth in the way that you eat.
SPEAKER 06 :
We really do try to. I think fish is one of the healthiest things you can put in your body, and we live on an ocean and a river over in Brookings, Oregon, and so having access to the ability of bringing fish and putting it in the freezer or canning it or using it, tuna, salmon, rockfish, all those different kinds of foods that are out there are very… easy for us to process ourselves and keep on a regular basis in our diets.
SPEAKER 03 :
And I know you learned lots of different recipes for them. And so I was reading about, you know, just, you know, overall health and getting these ultra processed foods out of our diet. And the last week I’ve really gotten them out, you know, like I’m really focused on this now. And then they say at least two hour, two and a half hours of moderate physical activity. And when you had your dogs for sure, every day you were exercising, but you also do a lot of physical labor on your property. So you easily get your two and a half hours of moderate activity. physical activity. Has that been something you’ve always tried to do or is it just come naturally in your lifestyle?
SPEAKER 06 :
Well, I think my husband and I have always been active. We’ve always gone out there, whether we’re riding motorcycles or riding, you know, ATVs or heading out to a trail somewhere or fishing and hiking. Walking the dogs. Walking the dogs. Yeah, that was a big one. I miss having the dogs. In fact, the little bit of weight I’ve gained, I’m sure it’s because I don’t have a dog. Right. My husband can hear me.
SPEAKER 03 :
That’s hilarious. Also, these are such basic things. We hear them all the time. The healthy diet, get the processed foods out, two and a half hours of moderate physical activity. I do more than that, too. I’ve gotten an exercise bike because I’m going to Europe for a month, and one of the things I’m doing is a seven-day cruise in Croatia where I bike every day on different islands, and then they pick me up at the other end of the island, and then I go to the next island, and then I bike all day. So I’m really prepping for that. And then seven to nine hours of sleep every night. I know you have a pretty strict bedtime because I travel with you and you go to bed early and you get up early and you pretty much stick to that wherever you are.
SPEAKER 06 :
We really do try to. I really think drinking a lot of water is really, really important. Cousin Mary really emphasized that. And it’s something I was doing naturally, but just listening to her and her water regimen just reinforced the fact we’ve got to drink more water. Get rid of the sodas. Get rid of the sugary drinks in the morning like your orange juice and the cranberry juices. They’re just so full of sugars.
SPEAKER 03 :
I think we might outlive our parents because Mary is an exercise instructor. She was a teacher just like you. You’re very active. I’m very active. We’re very active. Not that our parents weren’t. I mean, your dad was a senior Olympic tennis player. In general, we’ve stayed really healthy all our lives. We don’t we’re not drinkers. We’re not smokers. We exercise. We manage our stress. We get enough sleep. We don’t eat a lot of processed food. And you’re right. We were just with Mary because we really make our relationship, our friendship, because we’re all like sisters, a priority for us. And Mary was drinking so much water. I think she spent more on water than any other thing on our trip to Las Vegas. She was buying bottled water every day.
SPEAKER 06 :
Yes, every day. And the walking we did, seven miles one day, six miles the next day, just walking up and down the strip, that was incredible and really exciting for me to be able to walk that much. That was great.
SPEAKER 03 :
Well, you two are great role models for me. Not that I wouldn’t be this healthy, but we’re all kind of healthy together. And my brother, Ted, as well, another cousin in our cousin group, a really healthy family, I would say, and trying to kind of break the cycle of the diabetes that runs in our family and the high blood pressure and the high cholesterol, all the things that, you know, we fight against and we’re trying to do it as naturally as we can. But I also know we’re also really on top of our vaccines. And that’s why I kind of wanted to talk with you a little bit about health today. And I know you’ve gotten your shingles vaccines and I’ve gotten, and every year you get pretty much everything you’re supposed to get, right?
SPEAKER 06 :
Oh, yes. We’ve got the flu shot, the upgraded flu shot for those that are 65 and older. The shingles is a one-time thing, but we’ve had it twice. Oh, it’s two.
SPEAKER 03 :
Yes, yeah, it is two. It is two. Oh, Lori, they’re here. My guests are here. Thank you so much. Stay on. You’ll want to hear what they have to say. It’s two doctors. If you’re just joining us, this is Angie Austin with the good news. And, you know, we talk a lot about health and well-being on the program, as we just did. And I’m my mom’s caregiver, and I take really good care of my mother. We have two health experts joining us today, Dr. Leonard Friedland, Vice President and Director of Scientific Affairs and Public Health at GSK Vaccines, and Dr. Kelsey Godderwiss. Dr. Godderwiss is a pharmacy manager with Kroger. King Super is here. And welcome to both of you. Thank you. Thank you for having us. Okay, let’s just start with the age 50 and older. Why are they at greater risk for shingles? And then I want to get into why they should care about shingles. So why is 50 an important age?
SPEAKER 04 :
Yeah, absolutely great questions. I’m Dr. Leonard Friedland, a vaccine research scientist at GSK. No matter how well we feel, our immune systems weaken as we age. And starting at age 50, the risk of shingles will sharply increase. Shingles or herpes zoster is a painful, blistering rash that’s caused by the same virus that causes chickenpox. And once you’ve had chickenpox, that virus remains dormant inside the body, reactivate years later as shingles. 99% of adults over the age of 50 in the United States already have the virus that causes shingles inside their bodies. One in three people will develop shingles during their lifetime. And so age is the most important risk factor for shingles, and it’s age 50 when that risk begins to increase.
SPEAKER 03 :
Now, for people who haven’t experienced it, and hopefully they haven’t, my mom did get what we thought was shingles because many of us have had chickenpox. And here’s the thing that I didn’t realize about it. I know about the painful blisters. I know it can be like three to five weeks and, you know, painful. But I wasn’t aware that, especially for older people, the pain can persist long after the blisters are gone. Or you can have some nerve issues long after the blisters are gone. So like chickenpox, you get it as gone. Shingles, you get it. It’s very painful. Three to five weeks, you’re dealing with these blisters. But then you may have after effects from it as well.
SPEAKER 05 :
You’re absolutely right. So shingles is more than just a rash as well. There are people that also have fevers, headaches, chills, upset stomachs. But that rash, it can last for weeks, months and up to years for some people. And that nerve pain can just be excruciating. It can affect your everyday life. Things like work, hobbies, spending time with family and friends and sleep can all be disrupted by that shingles rash. So shingles can happen at any time. It doesn’t discriminate based on the calendar events you’ve got coming up. You can have weddings, graduations, vacations planned. Shingles does not care. So it’s always important to talk to your health care provider about vaccine preventable diseases like shingles.
SPEAKER 03 :
Now, I was reading that there may be some people that maybe age isn’t the only factor that some people under 50 may need to get shingles vaccinations as well. Can you talk about other risk factors for shingles?
SPEAKER 04 :
Absolutely. So we’ve talked about age being one of the most important risk factors for shingles. And that’s because most cases of shingles occur in people 50 years of age and older. But, for example, stress can also increase your risk. Additionally, certain health conditions like diabetes, chronic kidney disease, and heart diseases, these have all been associated with an increased risk of shingles. So to sort of sum it up, if you’re over the age of 50, particularly if you have one of these other health conditions like diabetes, chronic kidney disease, heart diseases… Ask your pharmacist about your risk for shingles and about prevention.
SPEAKER 03 :
Now, a lot of people are thinking, oh, you know, it’s hard to get into my doctor. It can take me a month to get in there. I don’t really want to wait. Well, a lot of people don’t realize you can just ask your pharmacist. In fact, to be honest with you, my pharmacist at King Soopers, Kroger, handles a lot of that stuff for me. In fact, I’ll go in to pick up something and sometimes she’ll just check it and say, hey, you’re due for your flu or your pneumonia. I already had my shingles like way back when. And then you have to, of course, schedule the second one, which you can explain to us. But anyway, you don’t have to go to your doctor. Your pharmacist, you can ask them and they can look up your record and tell you exactly what you need if you’ve kept your vaccinations at one place. So why is now a good time for us to maybe discuss this with our pharmacist?
SPEAKER 05 :
You’re absolutely right. So we might feel amazing, healthy, happy well after our 50th birthday. But the truth is, is that our immune system does start to weaken. And that puts us more at risk of developing a vaccine preventable disease like shingles. So people might not think that shingles will affect them. They might think that only happens to older people. But shingles is way more common than most people anticipate. There are about a million cases of shingles in the U.S. every single year. So all of you Gen Xers out there born before 1976, you’re at increased risk. And now is the perfect time to go talk to your king super pharmacist about vaccine preventable diseases like shingles.
SPEAKER 03 :
Okay, if we want to learn more about shingles, like I obviously did my research before I talked to you guys, and I’ve discussed this with you in prior years past. I just, every year I take my mom and I get every single shot you can. It’s funny because I’ll say to my pharmacist, like, no. or is it okay to get like these forward you know and she’s like it’s fine it’s fine you know some people like to spread them out but my feeling is i may not get back here right away so whatever i can get and get it once i’m just going to go for it because i don’t want to spread it out and take the chance of like missing out on one of the vaccinations that i need that year so where can people go to learn more yeah so it’s just so important and we recommend that you talk with your pharmacist to understand what your options are about vaccine preventable diseases
SPEAKER 04 :
and prevention. So make the appointment, go in, speak with your pharmacist or any other healthcare provider that you have. But a pharmacist is a fantastic opportunity given all the things that you spoke about earlier, the easier access. But also you can make an appointment with your pharmacist as well. So there’s a website that can be accessed. It’s easyvax.com, E-A-S-Y-V-A-X.com. where you can, on that website, find the pharmacy near you and make an appointment to go in and have that important conversation.
SPEAKER 03 :
And another thing that they do, too, they’re hooked up already with, you know, my insurance. So it’s so handy when I go in. Like, you know, oftentimes I don’t pay a dime. They just, you know, schedule everything for me right then and there. Or maybe I can go on the app or whatever. But, you know, since they have my insurance info, I don’t have to pay and then, you know, get paid back later. So that’s really handy as well. Well, doctors, thank you so much for your information today. You’re helping a lot of people. And for you listening, take it seriously. It’s so easy to prevent some of these things that can really have long-lasting health effects that are detrimental for you. And a vaccination is so simple. Thank you to both of you.
SPEAKER 01 :
Thank you. Thank you for listening to The Good News with Angie Austin on AM670 KLTT.
