Hey, I'm Kramer.

Welcome to Mad Money.

Welcome to Kramer.

I'm just trying to make a little money for you.

My job, not just to entertain, but to put everything in context, so call me 1-800-743-C-NBC.

Please meet me at Chramer.

Investing isn't easy, but it can be a whole lot easier and much less daunting with a little

instruction.

The whole business of managing your money is made infinitely more confusing by all of the arcane

technology and authentic Wall Street gibberish.

You need to wade through to learn anything about a stock or its underlying business.

If you're not clued into the jargon, it can sound like the professionals are speaking

an entirely different language. You got to remember that there's an entire industry of people

who need you to be happily convinced that investing is too hard for you, that ordinary people

just can't do it, and that the safest thing to do is to give your money to a pro.

Hey, by the way, that's a huge reason why I started my travel trust. When you join the

CNBC Investing Club, our goal is to show you that you can do it yourself and to teach you

how it's done. Of course, maybe giving your money a professional is right move for some of you,

of course, but you don't have the time. But if you put in a little effort, if you do the homework, then I think you can do at least as well as the pros or a low-cost

index fund, possibly the better comparison. Because in any given year, a lot of the pros really

lose the index funds. The fact of the matter is that the financial industry is full of people who are

just after your fees. They're more interested in taking your money

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