my classroom finance

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The word capital can be divided into three subcategories: Financial capital: such as stocks(or equities) and bonds. Real capital as land , building, silver and gold. Human capital such as workers and their job skills. This blog focuses on the first category to a greater extend  than the latter two, but we need to understand the part each plays in the global economy. Proverbs chapter 4 4 Then he taught me, and he said to me, “Take hold of my words with all your heart; keep my commands, and you will live. 5 Get wisdom, get understanding; do not forget my words or turn away from them. 6 Do not forsake wisdom, and she will protect you; love her, and she will watch over you. 7 The beginning of wisdom is this: Get a wisdom. Though it cost all you have, b get understanding. 8 Cherish her, and she will exalt you; embrace her, and she will honor you. 9 She will give you a garland to grace your head and present you with a glorious crown.”

Million of nonprofessional investors"play the market".  Those investors own their own small profit to increase their health, but some invest just for fun. In contrast to the millions of the non professionals investors , a few thousand professionals money managers earn their livelihood by charging fee to manage other people's money. The profession managers works actively at managing one or more multi-million or multi-billion dollar.- Most professionals specialize in a certain class of assets ; such as common stock , corporate bonds , future contracts , options , foreign exchange commodities . " Then you ought to have invested my money with the bankers, and at my coming I should have received what was my own with interest " (Matthew.25.27. The man in the Bible who doesn't have enough knowledge should ask for help in the investment,