Differences between an investor and common man! - page 13.

Betwrong

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Quote from: bitgolden on September 08, 2019, 11:25:13 AM

Quote from: Betwrong on September 07, 2019, 07:24:06 AM

Maybe we are taking risks every time we are crossing the road, but investment is something different. We have statistics to stay not entirely confused about such things. From 50% to 90% of investors lose money with this activity, while less than 1% of people suffer various injuries as a result of a road traffic accidents. Also, I disagree that we can't earn enough money without taking risks. It can be true to some degree in underdeveloped countries, but in the developed ones most people earn enough by just doing their job, without taking any risks.

I think when it comes to risk, it is actually tied more to business, or anything that involves you bringing out your personal money to do that which you believe could help you multiply it, but when you talk about job, you are talking of working for someone and earning salary and you know that is not a risk at all.

The person taking risk in this scenario is not even you, but that person that is saying you, but in business, there is always a risk, that is why when some people take loan for business, they always caution them to be very careful, it is better to start a business with personal savings or donations from friends and family around you, but if one can guarantee that the business is a viable one, then loan can be helpful to some extent.

Well, I think I'm more like a common man than an investor then. I prefer working for someone and earning my salary to taking loans for running my own business. I've seen so many people failed in opening their own business and ended up owing money while having no idea how to earn it, so I decided to not take those risks. Besides, no one can guarantee the viability of this or that business, that's what I know for sure.

LUCKMCFLY

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Well an investor is always hunting the best stock or currency to buy and wait for profit, the difference between an investor and a common man is that the investor can wait as long as necessary to wait for his investment of fruits, this can take years while the common man does not, because he may not be able to wait so long because he needs the money and can withdraw his investment to use the money either for an emergency or a special case. In case the common man waits for his investment to bear fruit, one party may leave it to invest and the other spend it.

Semosuchi Tesongrato

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I see no difference, the investor is simply a gambler who knows he is, while the common man is convinced that he has certainty and does not realize that all life is just a bet with different degrees of probability.

Bitcoin Smith

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I think the investing people get more opportunity for making their future to be brighter and useful without any other help while investing today it means he saves his future from the losses.

bitgolden

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Quote from: Betwrong on September 07, 2019, 07:24:06 AM

Maybe we are taking risks every time we are crossing the road, but investment is something different. We have statistics to stay not entirely confused about such things. From 50% to 90% of investors lose money with this activity, while less than 1% of people suffer various injuries as a result of a road traffic accidents. Also, I disagree that we can't earn enough money without taking risks. It can be true to some degree in underdeveloped countries, but in the developed ones most people earn enough by just doing their job, without taking any risks.

I think when it comes to risk, it is actually tied more to business, or anything that involves you bringing out your personal money to do that which you believe could help you multiply it, but when you talk about job, you are talking of working for someone and earning salary and you know that is not a risk at all.

The person taking risk in this scenario is not even you, but that person that is saying you, but in business, there is always a risk, that is why when some people take loan for business, they always caution them to be very careful, it is better to start a business with personal savings or donations from friends and family around you, but if one can guarantee that the business is a viable one, then loan can be helpful to some extent.

Betwrong

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Quote from: SquallLeonhart on September 02, 2019, 04:00:42 PM

Quote from: Betwrong on August 31, 2019, 04:21:50 AM

Although it is true that there is a possibility of earning a lot with taking big risks, I would not blame those people who don't want to take them. Imo they are right in most cases. If you already have/earn enough money for providing your daily needs, it's a big question whether you should risk that position in order to gain more money.

Overall it's not like black and white in a sense that some people are investors and others are common folks. Most of us are both, and the question is which part is prevailing in a given time interval. And from our experience we know that we are not necessarily successful when we are more into investing.

I don't think there is anything like people not wanting to take a risk because even the live that we live is a risk on its own, and we go to places not knowing what could happen to us, so we risk our life and if we can risk our life, then there is nothing not worth risking, we just have to make sure that whatever risk it is, it is one that would really be worth it.

Though when it comes to loan risk in an investment, we really have to be very wise about it so that we don’t take load that we will not be able to pay because life is full of uncertainties and we might think the business we too loan for will succeed and may not, and I agree with you that this is line of the thing that a common man do run away from, but there is no way that we will want to earn enough money without taking risk.

Maybe we are taking risks every time we are crossing the road, but investment is something different. We have statistics to stay not entirely confused about such things. From 50% to 90% of investors lose money with this activity, while less than 1% of people suffer various injuries as a result of a road traffic accidents. Also, I disagree that we can't earn enough money without taking risks. It can be true to some degree in underdeveloped countries, but in the developed ones most people earn enough by just doing their job, without taking any risks.

1Referee

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Quote from: STT on September 01, 2019, 06:32:19 PM

The biggest difference is capital and money management, your average person spends every penny from their pay packet just living and the rest on luxuries if they have any left because who knows what will happen tomorrow. Which is fair enough in your twenties but eventually people realise you have to put some of what you earn away otherwise you are on the treadmill forever and unless you love that job somehow, not going to be very happy or rich stuck there.

That reminds me of myself like 20 years ago. I made sure that I always had enough money to pay bills and whatnot, where I spent every single penny of the rest on things I didn't need such as expensive clothes, high end mobile phones, ordering food every other day, etc. Result was that I didn't have ANYTHING in my savings account.

If I compare how I am today with how I was 20 years ago in terms of money management, I see two completely different persons. It feels really good knowing that I made most of my mistakes when it didn't really matter. Now I can live quite comfortably without even having a lot. My expenses are pretty low, just so that I have more to invest.

In the more recent years there has been a trend amongst twentiers where taking out a quick loan has become so common, that people actually consider it to be normal. This is quite shocking considering how high the interest rates are. It shows me how much worse the economy has become that these loans are needed to make ends meet until the next paycheck clears. Embarrassed

SquallLeonhart

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Quote from: Betwrong on August 31, 2019, 04:21:50 AM

Although it is true that there is a possibility of earning a lot with taking big risks, I would not blame those people who don't want to take them. Imo they are right in most cases. If you already have/earn enough money for providing your daily needs, it's a big question whether you should risk that position in order to gain more money.

Overall it's not like black and white in a sense that some people are investors and others are common folks. Most of us are both, and the question is which part is prevailing in a given time interval. And from our experience we know that we are not necessarily successful when we are more into investing.

I don't think there is anything like people not wanting to take a risk because even the live that we live is a risk on its own, and we go to places not knowing what could happen to us, so we risk our life and if we can risk our life, then there is nothing not worth risking, we just have to make sure that whatever risk it is, it is one that would really be worth it.

Though when it comes to loan risk in an investment, we really have to be very wise about it so that we don’t take load that we will not be able to pay because life is full of uncertainties and we might think the business we too loan for will succeed and may not, and I agree with you that this is line of the thing that a common man do run away from, but there is no way that we will want to earn enough money without taking risk.

STT

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The biggest difference is capital and money management, your average person spends every penny from their pay packet just living and the rest on luxuries if they have any left because who knows what will happen tomorrow. Which is fair enough in your twenties but eventually people realise you have to put some of what you earn away otherwise you are on the treadmill forever and unless you love that job somehow, not going to be very happy or rich stuck there.
I know we might be talking about skills, but I think capital is the important part as leverage makes precise trades very hard not to end up closed out as the market goes finding stops before really making a move. I bet the market right now is looking like it'll go down but first has a bit of a spike up.

Betwrong

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Quote from: ?? on ??

Quote from: Free1bitco.in on August 24, 2019, 12:03:46 AM

I have an opinion that common man, in general, will not take risks if that is not certain, because they prefer to work rather than taking risks to invest. while investors, they prefer to take risks, and a different path from ordinary people. In addition, investors also have a lot of consideration and analysis. because of this, I feel that more people have become successful investors, compared to common people.

Lay people think too much before making a decision, basically they do not have the courage to bear the risks that will be faced. Unlike investors, they prefer the challenge of taking risks because they think high risk can provide great benefits

Although it is true that there is a possibility of earning a lot with taking big risks, I would not blame those people who don't want to take them. Imo they are right in most cases. If you already have/earn enough money for providing your daily needs, it's a big question whether you should risk that position in order to gain more money.

Overall it's not like black and white in a sense that some people are investors and others are common folks. Most of us are both, and the question is which part is prevailing in a given time interval. And from our experience we know that we are not necessarily successful when we are more into investing.

qwertyup23

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Quote from: mersal on August 09, 2019, 02:31:19 PM

What are the things differ from mindset of common man with investor,please share your thoughts.

IMO,investors never want to take loans for their consumption like home loan,car loan,etc then just save money and will buy the things for their needs but common man like you and me will buy the things immediately when we get the desire of it using loans but we are paying 20% of interest to those kind of loans.

An investor will always have a vision about their goals and a definite plan on how to reach them through a step-by-step process. A common man, on the other hand, lives a life where everything revolves around mundane activities. They actually have a relatively linear way of living. But what makes this fact interesting is that anyone can be an investor WITH the right amount of time, dedication, and knowledge about the market and investment.

Before becoming an investor, he was once a common man who shared the same ideals and goals. But what makes an investor distinct against the common man is having the passion and skill for earning more than they have now.

Quote from: ?? on ??

investor thinks to grow money for future , common man wont think about future they enjoy and waste money in liabilities and even they want get rich they dont want to wait for years to make money and want to get rich fast

It is not that a common man does not want to get rich but they have a linear way of living. They just do not share the same type of vision an investor does. The sky's the limit for an investor and the sky may seem impossible for a common man.

RealMalatesta

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Quote from: TIDOVEE on August 28, 2019, 09:12:54 AM

Real investors acquire funds to gain more funds, the strategize and analyse how to go about the profit even before obtaining any loan, but normal man obtain fund to satisfy their pressing needs and may end up without positive gain and as you have said, will still have the interest to meet up. Most common men aim to impress in a short time as they spend more on liabilities.

More like the investor gets any loan because he wants to earn more, while common man takes out loan to pay for useless stuff. For example if you are an investor and your company makes about 100k per year and you take out a loan of 100k on top of that and reinvest into company so your company makes more than 100k now and you can repay easily, that is a good ROI on that loan.

Of course, nobody would ever want to take out a loan but if you have to than it should be for a reason that would later make you more money in the end. However common man usually takes out a loan that he needs because he has spent money on useless stuff that they stuffed their house with, that is a big issue in the world right now, people work and they don't know what else to do so they spend money like crazy to fulfill their short span of free time.

xpinvest

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Quote from: BitHodler on August 09, 2019, 08:21:23 PM

Quote from: mersal on August 09, 2019, 03:59:30 PM

Most get into loan traps and end their life as being poor.

That's the sad reality. Common joes aim to book large gains very quickly and therefore discard the risks involved, which is very stupid. They don't think about paying back their debt, that comes after they lost it all.

I'm not really keen on financial institutions preventing people from investing in crypto with credit, because they should also prevent them from legacy forex brokers, but at least people are protected against themselves now.

People could withdraw their credit through an ATM and then deposit the money on their bank account and then wire it to an exchange, but I'm quite sure that these people aren't that clever to think of this themselves.

Investor
- Thinks long term
- Is aware of risks involved in investing and the failure rate
- Willing to make meaningful contributions to projects (if nothing else, at least support the ecosystem within which it operates)

Common man (retail investor)
- Thinks short term P&L
- Often puts money in the wrong places by falling prey to the 'heard' mentality
- Does not think much about the projects (sometimes yes, but not always) and will sell their investment the moment they think something is going south or they've made a decent enough return

Paul
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STT

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There is no difference, the common man invests in his family and might see great growth from that personal attitude. The wider investor looks farther afield and takes greater risks in doing so. The common man likely knows the subject in which he invests better, the most common personal investment is the house people live in as that reduces rent costs its often easily justifiable.
The investor in capitalist markets often pays alot of money for management of the fund in which he invests, thats a large difference in that they want to pay an otherwise unknown individual to manage funds. A common investment in many countries is for a family business, then wages are shared by the family and costs are familiar to all which is likely fairer and makes the business more likely to succeed through good times and bad.

Viscore

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Quote from: Dr.Osh on August 28, 2019, 09:22:18 AM

Quote from: ?? on ??

investor thinks to grow money for future , common man wont think about future they enjoy and waste money in liabilities and even they want get rich they dont want to wait for years to make money and want to get rich fast

investors are businessmen, who think of strategies so they can get profits that can develop the companies they build to employ common people. besides, the biggest thing that distinguishes the two is the way they think about business. I think the common man will think of things that benefit them, without any risk. it can be done by working.

An investor is definitely a risk taker and does not give up easily even if it means losing at first. He knows that he will make good gains if he just keeps on pushing his own and motivate his mindset that his money will grow in the future. A common man is afraid to take risks and enjoys only what is on hand without having the courage to make his money grow even more.

Bezobraznike

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Investor has experience, common man needs to learn a lot, to make few investments and than to become investor. Difference between common man and investor is
experience. We all start as common, what ever you choose to do, in this case investing and trading, you need to learn about it, practice it and only than to become
successful in that area.
Successful as investors is measured in profit you make. More you make more successful you will be.

Dr.Osh

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Quote from: ?? on ??

investor thinks to grow money for future , common man wont think about future they enjoy and waste money in liabilities and even they want get rich they dont want to wait for years to make money and want to get rich fast

investors are businessmen, who think of strategies so they can get profits that can develop the companies they build to employ common people. besides, the biggest thing that distinguishes the two is the way they think about business. I think the common man will think of things that benefit them, without any risk. it can be done by working.

TIDOVEE

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Real investors acquire funds to gain more funds, the strategize and analyse how to go about the profit even before obtaining any loan, but normal man obtain fund to satisfy their pressing needs and may end up without positive gain and as you have said, will still have the interest to meet up. Most common men aim to impress in a short time as they spend more on liabilities.

royalfestus

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I wouldnt also compare normal investors to crypto investors, Most investors outside do invest in what they understand but most investors in ICOs realized they dont know enough to invest in this space. A better investors must have completed a cycle of bear and bull market to get the better of the next phase/space. The sad thing is that it might be very difficult to lure any investor who lost in the last cycle into the space again

SirLancelot

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Quote from: Free1bitco.in on August 24, 2019, 12:03:46 AM

I have an opinion that common man, in general, will not take risks if that is not certain, because they prefer to work rather than taking risks to invest. while investors, they prefer to take risks, and a different path from ordinary people. In addition, investors also have a lot of consideration and analysis. because of this, I feel that more people have become successful investors, compared to common people.

There is nothing for a common man to risk if he does not work for it, at least before you can even consider investment, you must have had some money with you either through savings or loan, and I want to believe that before an investor became an investor, he was once a common man also, and before the opportunity came for him to become an investor, he must also have exhibited all the features of a common man and I am sure that at one point too, he may have even borrowed money to pay for that his child’s school fee, so there is always time for everything.

It is not so easy to get money for investment, and before the opportunity comes you see people would have already taken loan to stay alive for that opportunity to come.

Topic: Differences between an investor and common man! - page 13. (Read 3877 times)