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b'Some have lost a tremendous amount of their savings betting on Tesla. Know that betting on any one enterprise is risky \\u2013 Apple, Amazon \\u2013 stocks that become stories. Amazon went through a cycle that wiped some stock holders out. When you invest in an individual company, you\\u2019re creating risk. You could come out ahead, or lose a great deal or both. First build a base and create a strong core in funds wherein your money is well spread out. The U.S. represents 3% of the world\\u2019s population and 22% of the world\\u2019s economic activity and declining. Make sure your diversification includes international funds. Schwab teaches to build core investments first. Only then should you chance individual stocks with money you\\u2019re not depending on. Protect the future you\\u2019re building. Live on less than what you make, and protect the rest of that money going forward.\\xa0\\xa0\\n\\nClark was given a fake debit card from AT&T for dropping DirecTV. He was issued a partial refund on a debit card - receiving a check is not an option. Clark\\u2019s card kept being declined. He then registered the card and was texted the balance. The declines came because the balance was less than attempted purchases. It won\\u2019t allow another form of payment! Clark tried to get it to 0, and now it\\u2019s expired with .72 cents left on the table. So the company keeps that money \\u2013 what\\u2019s known as breakage. This is why many companies use debits\\xa0- knowing it won\\u2019t all be spent and they\\u2019ll get that much back. Clarkrageous that companies think this way, instead of doing right by their customers.\\n\\nA type of data breach has become a life and death threat for many businesses. Many ransomware attacks don\\u2019t hit the news unless the company must publicly disclose they\\u2019ve been hacked. School boards and local governments must disclose. But we usually don\\u2019t hear about it from companies, who often have to pay to get their operations back. This crime is escalating, hitting companies of all sizes and can destroy a business. Have automatic backup of your data daily on a hard drive or cloud service. This can help restore your business activities. Have cyber insurance added to your business liability coverage. Backup data every 24 hours and have cyber insurance. The insurer will want to know what steps you\\u2019re already taking to protect your business. Take the time to make these things happen.\\nLearn more about your ad choices. Visit megaphone.fm/adchoices'