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KNOWLEDGEFINANCIALGROUP.COM
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Before You Invest
Before undertaking any investment program, it is critical that you assess your current situation and form goals.
Choosing Investments
As you build your portfolio, be sure you understand the relative advantages, disadvantages, risks and costs of different types of
investments.
Getting Ready to Invest
Most people invest to achieve specific financial goals. Some of these goals are widely shared. For example, many people want to
own their own home and send their children or grandchildren to college. And there's an almost universal desire to retire
comfortably, with the reasonable expectation that you will have adequate income for as long as you need it.
Setting Your Objectives and Goals
You can create a list of your various financial goals on your own. Or you can work with an investment professional who has
experience in this area, can help assign each a price tag and a time frame, and can then identify the kinds of savings and investing
strategies that may be appropriate for meeting your goals. One advantage of working with a professional is that he or she may
provide the encouragement you need to move from thinking about your goals to taking steps to achieve them.
While everyone's circumstances are a little bit different, there are essentially four steps to creating a strategy for meeting your goals
that will work for just about every person and situation:
Identify your most important short- medium-, and long-term financial goals.
Estimate how much each of your goals will likely cost.
Set up separate savings or investment accounts for each of your major goals.
Choose investments suited to meeting each of your goals based on your time frame and your tolerance for risk.
Before undertaking any investment program, it is critical that you assess your current situation and form goals.
Choosing Investments
As you build your portfolio, be sure you understand the relative advantages, disadvantages, risks and costs of different types of
investments.
Getting Ready to Invest
Most people invest to achieve specific financial goals. Some of these goals are widely shared. For example, many people want to
own their own home and send their children or grandchildren to college. And there's an almost universal desire to retire
comfortably, with the reasonable expectation that you will have adequate income for as long as you need it.
Setting Your Objectives and Goals
You can create a list of your various financial goals on your own. Or you can work with an investment professional who has
experience in this area, can help assign each a price tag and a time frame, and can then identify the kinds of savings and investing
strategies that may be appropriate for meeting your goals. One advantage of working with a professional is that he or she may
provide the encouragement you need to move from thinking about your goals to taking steps to achieve them.
While everyone's circumstances are a little bit different, there are essentially four steps to creating a strategy for meeting your goals
that will work for just about every person and situation:
Identify your most important short- medium-, and long-term financial goals.
Estimate how much each of your goals will likely cost.
Set up separate savings or investment accounts for each of your major goals.
Choose investments suited to meeting each of your goals based on your time frame and your tolerance for risk.
Evaluating a Stock
When you buy a stock, you're buying part ownership of a company, so the
questions to ask as you select among the stocks you're considering are
the same questions you'd ask if you were buying the whole company:
What are the company's products?
Are they in demand and of high quality?
Is the industry as a whole doing well?
How has the company performed in the past?
Are talented, experienced managers in charge?
Are operating costs low or too high?
Is the company in heavy debt?
What are the obstacles and challenges the company faces?
Is the stock worth the current price?
Because each company is a different size and has issued a different
number of shares, you need a way to compare the value of different stocks.
A common and quick way to do this is to look at the stock's earnings. All
publicly traded companies report earnings to the Securities and Exchange
Commission on a quarterly basis in an unaudited filing known as the 10-Q,
and annually in an audited filing known as the 10-K.
If you check those reports, the company's annual report, or its Web site,
you'll find its current earnings-per-share, or EPS. That ratio is calculated by
dividing the company's total earnings by the number of shares. You can
then use this per-share number to compare the results of companies of
different sizes. EPS is one indication of a company's current strength.
You can divide the current price of a stock by its EPS to get the
price-to-earnings ratio, or P/E multiple, the most commonly quoted
measure of stock value. In a nutshell, P/E tells you how much investors are
paying for a dollar of a company's earnings. For example, if Company A has
a P/E of 25, and Company B has a P/E of 20, investors are paying more for
each dollar earned by Company A than for each dollar earned by Company
When you buy a stock, you're buying part ownership of a company, so the
questions to ask as you select among the stocks you're considering are
the same questions you'd ask if you were buying the whole company:
What are the company's products?
Are they in demand and of high quality?
Is the industry as a whole doing well?
How has the company performed in the past?
Are talented, experienced managers in charge?
Are operating costs low or too high?
Is the company in heavy debt?
What are the obstacles and challenges the company faces?
Is the stock worth the current price?
Because each company is a different size and has issued a different
number of shares, you need a way to compare the value of different stocks.
A common and quick way to do this is to look at the stock's earnings. All
publicly traded companies report earnings to the Securities and Exchange
Commission on a quarterly basis in an unaudited filing known as the 10-Q,
and annually in an audited filing known as the 10-K.
If you check those reports, the company's annual report, or its Web site,
you'll find its current earnings-per-share, or EPS. That ratio is calculated by
dividing the company's total earnings by the number of shares. You can
then use this per-share number to compare the results of companies of
different sizes. EPS is one indication of a company's current strength.
You can divide the current price of a stock by its EPS to get the
price-to-earnings ratio, or P/E multiple, the most commonly quoted
measure of stock value. In a nutshell, P/E tells you how much investors are
paying for a dollar of a company's earnings. For example, if Company A has
a P/E of 25, and Company B has a P/E of 20, investors are paying more for
each dollar earned by Company A than for each dollar earned by Company
| How to Avoid Problems With Your Broker The following steps may help you avoid future problems: 01-Thoroughly read and retain your monthly account statements, confirmations, and any other information you receive about your investment transactions. 02-Immediately question any transaction or entry that you do not understand or did not authorize with your broker. If you are not satisfied with your broker's response, consult with the firm's branch manager or compliance department. 03-To allege improper business conduct or to make monetary claims, you should complain promptly in writing to the management of your brokerage firm's sales office, and then directly to the firm's compliance department. Retain a copy of your letter and of all other related correspondence with the broker/dealer. If the problem cannot be resolved through the firm, other alternatives, such as mediation or arbitration, may be appropriate. A delay in pursuing your complaint for whatever reason may lessen its credibility. 04-Follow up if you do not receive a satisfactory response to your complaint. Failure to receive a satisfactory response may warrant your filing a written complaint with FINRA or another SRO. 05-Beware of sales pitches that make exaggerated claims about the expected profitability of a particular investment, or make specific price predictions, such as, "your money will double in six months," especially if dealing with a broker who is new to you. If it sounds too good to be true, it usually is. 06-Beware of any broker who pressures you to invest quickly to avoid missing out on a "once in a lifetime opportunity." Investment decisions should be made only after deliberation and thought, and with the benefit of all the relevant facts--take the time to learn them. Be suspicious of any broker who uses high-pressure sales tactics. 07-Never send money to a firm or broker that you are hearing from for the first time simply based on a telephone sales pitch. 08-When investing for income and yield, whether in stocks, bonds, mutual funds, etc., make certain that you understand fully the nature of the security in which you are investing - there normally are varying market and price risks associated with each type of security. 09-Investing in lower-priced, so-called "penny stocks" is inherently risky and should be done only after a thorough investigation is made of the company and of the market for its shares. Generally, you should not engage in such speculation unless prepared to accept the risk of losing your entire investment. 10-Investing your money is a major decision, similar to the purchase of a house or an automobile. Investigate thoroughly any potential investment before you make it, as well as the broker and securities firm that are recommending it to you. To do so, you should: |
Protect Your Identity
Identity theft occurs when someone
obtains your personal information and
uses it to take your money or to commit
fraud or other crimes. It's much more
than an inconvenience—it can devastate
your credit rating and derail financial
security. Here's how you can protect
yourself
Tips for Protecting Your Information
Although your brokerage firm is
required to safeguard your data, you
also have a key role to play in protecting
your personal financial information.
Identify Theft Checklist
View a list of steps you can take to
protect yourself from identity theft.
Practice the Three Ds
While there are no guarantees about
avoiding identity theft, it's important for
you to:
DETER identity thieves by safeguarding
your information
DETECT suspicious activity by routinely
monitoring your financial accounts and
billing statements.
DEFEND against ID theft as soon as you
suspect a problem
Identity theft occurs when someone
obtains your personal information and
uses it to take your money or to commit
fraud or other crimes. It's much more
than an inconvenience—it can devastate
your credit rating and derail financial
security. Here's how you can protect
yourself
Tips for Protecting Your Information
Although your brokerage firm is
required to safeguard your data, you
also have a key role to play in protecting
your personal financial information.
Identify Theft Checklist
View a list of steps you can take to
protect yourself from identity theft.
Practice the Three Ds
While there are no guarantees about
avoiding identity theft, it's important for
you to:
DETER identity thieves by safeguarding
your information
DETECT suspicious activity by routinely
monitoring your financial accounts and
billing statements.
DEFEND against ID theft as soon as you
suspect a problem
GENERAL INVESTMENT STRATEGIES,
METHODS, AND TECHNIQUES. A BETTER
WAY TO BUILD WEALTH! When it comes to
reliable investments, real estate investing is
the best wealth-builder in the world.
INVESTING / METHOD AND TECHNIQUES TO
INVEST IN TODAY'S MARKET FOR A BETTER
TOMORROW
STOCK MARKET: A WAY TO INVEST AND
MULTIPLY YOUR MONEY. THE MARKET HAS
THOUSANDS OF COMPANIES TO BUY
STOCKS, Mutual Funds, Bond Funds, Annuity.
The market in which shares are issued and
traded either through exchanges or over-the-
counter markets.
REITs= REAL ESTATE INVESTMENT TRUST: A
GREAT WAY TO INVEST IN REAL ESTATE
WITHOUT TAKING A MORTGAGE LOAN
FOREX MARKET: THE LARGEST MARKET IN
THE WORLD TO INVEST AND GET RICHER IF
YOU USE THE RIGHT TOOLS
INSURANCE 101: THE IMPORTANCE OF
INSURANCE IN SOMEONE'S LIFE. HOW TO
SAVE MONEY ON YOUR INSURANCE
PREMIUM? LEARN ABOUT THE 5
INSURANCE POLICIES EVERYBODY NEEDS
AND THE 15 INSURANCE POLICIES YOU
DON'T NEED.
REAL ESTATE INVESTMENT SECRETS
REVEALED, REAL ESTATE CAN HELP YOU
GET RICHER THE QUICKEST, EASIEST
WAY POSSIBLE. HOW TO GET PRE-QUALIFY
FOR A HOME LOAN? HOW DOES OWNER
FINANCING REALLY WORKS
SMALL BUSINESS, METHODS, TECHNIQUES,
AND STRATEGIES. Business structures 101.
LLP, LLC, S-corp and C-corp: It's not just
alphabet soup! A breakdown of what you
need to know, in layman's terms.
Mortgage Loans Modification: SAVE YOUR
HOME, SAVE YOUR CREDIT, REDUCE YOUR
MONTHLY PAYMENT, AVOID FORECLOSURE
HOME REFINANCE: 10 GREAT REASONS TO
REFINANCE A PROPERTY. RATES ARE STILL
NEAR HISTORIC LOWS, IT MAY BE A GOOD
TIME NOW TO REFINANCE! SOUTH FLORIDA
CALL: 786-709-6577 -- WE'RE LICENSED
MORTGAGE BROKER
AMERICAN BANKING SYSTEM: BANKING
HISTORY; GREAT THINGS TO KNOW ABOUT
THE AMERICAN BANKING HISTORY
BANKING AND FINANCE, COMMERCIAL
BANKING: The fundamental functions of a
commercial bank during the past two
centuries
SAVING: THE SECRETS OF SAVING; WAYS
TO SAVE A LOT OF MONEY AND GETTING
RICHER. 66 WAYS TO SAVE MONEY
MONEY MANAGEMENT: Ten Resolutions to
Make Your Financial Life Easier. 10 Ways to
Avoid Overdraft and Bounced Check Fees
THE 16 DAYS THAT SHOOCK THE US
ECONOMY IN SEPTEMBER, 2008. A
shocking series of events that forever
changed the financial markets.
AMERICA’S MONEY CRISIS / Bailout 101:
What new law says. Here's a rundown of key
provisions of the financial rescue plan that
United State Senate voted, Wednesday
October 1; and the house voted Friday
October 3, 2008.
FORTUNE, CREATION AND INTRODUCTION:
When you invest in stock, you buy ownership
shares in a company. Before You Invest;
Before undertaking any investment program,
it is critical that you assess your current
situation and form goals. Evaluating a Stock,
Creating an Emergency Fund
Trust Account: Definition of a Trust; Land
Trust, Living Trust, Revocable Trust. In
general, a "trust" is a legal entity that is able
to own property and other assets.
METHODS, AND TECHNIQUES. A BETTER
WAY TO BUILD WEALTH! When it comes to
reliable investments, real estate investing is
the best wealth-builder in the world.
INVESTING / METHOD AND TECHNIQUES TO
INVEST IN TODAY'S MARKET FOR A BETTER
TOMORROW
STOCK MARKET: A WAY TO INVEST AND
MULTIPLY YOUR MONEY. THE MARKET HAS
THOUSANDS OF COMPANIES TO BUY
STOCKS, Mutual Funds, Bond Funds, Annuity.
The market in which shares are issued and
traded either through exchanges or over-the-
counter markets.
REITs= REAL ESTATE INVESTMENT TRUST: A
GREAT WAY TO INVEST IN REAL ESTATE
WITHOUT TAKING A MORTGAGE LOAN
FOREX MARKET: THE LARGEST MARKET IN
THE WORLD TO INVEST AND GET RICHER IF
YOU USE THE RIGHT TOOLS
INSURANCE 101: THE IMPORTANCE OF
INSURANCE IN SOMEONE'S LIFE. HOW TO
SAVE MONEY ON YOUR INSURANCE
PREMIUM? LEARN ABOUT THE 5
INSURANCE POLICIES EVERYBODY NEEDS
AND THE 15 INSURANCE POLICIES YOU
DON'T NEED.
REAL ESTATE INVESTMENT SECRETS
REVEALED, REAL ESTATE CAN HELP YOU
GET RICHER THE QUICKEST, EASIEST
WAY POSSIBLE. HOW TO GET PRE-QUALIFY
FOR A HOME LOAN? HOW DOES OWNER
FINANCING REALLY WORKS
SMALL BUSINESS, METHODS, TECHNIQUES,
AND STRATEGIES. Business structures 101.
LLP, LLC, S-corp and C-corp: It's not just
alphabet soup! A breakdown of what you
need to know, in layman's terms.
Mortgage Loans Modification: SAVE YOUR
HOME, SAVE YOUR CREDIT, REDUCE YOUR
MONTHLY PAYMENT, AVOID FORECLOSURE
HOME REFINANCE: 10 GREAT REASONS TO
REFINANCE A PROPERTY. RATES ARE STILL
NEAR HISTORIC LOWS, IT MAY BE A GOOD
TIME NOW TO REFINANCE! SOUTH FLORIDA
CALL: 786-709-6577 -- WE'RE LICENSED
MORTGAGE BROKER
AMERICAN BANKING SYSTEM: BANKING
HISTORY; GREAT THINGS TO KNOW ABOUT
THE AMERICAN BANKING HISTORY
BANKING AND FINANCE, COMMERCIAL
BANKING: The fundamental functions of a
commercial bank during the past two
centuries
SAVING: THE SECRETS OF SAVING; WAYS
TO SAVE A LOT OF MONEY AND GETTING
RICHER. 66 WAYS TO SAVE MONEY
MONEY MANAGEMENT: Ten Resolutions to
Make Your Financial Life Easier. 10 Ways to
Avoid Overdraft and Bounced Check Fees
THE 16 DAYS THAT SHOOCK THE US
ECONOMY IN SEPTEMBER, 2008. A
shocking series of events that forever
changed the financial markets.
AMERICA’S MONEY CRISIS / Bailout 101:
What new law says. Here's a rundown of key
provisions of the financial rescue plan that
United State Senate voted, Wednesday
October 1; and the house voted Friday
October 3, 2008.
FORTUNE, CREATION AND INTRODUCTION:
When you invest in stock, you buy ownership
shares in a company. Before You Invest;
Before undertaking any investment program,
it is critical that you assess your current
situation and form goals. Evaluating a Stock,
Creating an Emergency Fund
Trust Account: Definition of a Trust; Land
Trust, Living Trust, Revocable Trust. In
general, a "trust" is a legal entity that is able
to own property and other assets.
The Ultimate Retirement Guide for
Everyone; Retire Rich, Retire Early.
Long-term care insurance?
Is a long-term care insurance policy
really provides money to help cover
the costs of living if you are no longer
able to take care of yourself.?
SOCIAL SECURITY RETIREMENT
GUIDE. HOW DOES SOCIAL SECURITY
WORK?
What is the importance and benefits
of life insurance in real life, and at
retirement age?
Pension Plans / IRA / INDIVIDUAL
RETIREMENT ACCOUNT. What is an
IRA? And what does it matter?
What is Annuity Insurance
Investment, Annuity & Pension
Insurance? Are Annuities Planning
today for a secure tomorrow?
Everyone; Retire Rich, Retire Early.
Long-term care insurance?
Is a long-term care insurance policy
really provides money to help cover
the costs of living if you are no longer
able to take care of yourself.?
SOCIAL SECURITY RETIREMENT
GUIDE. HOW DOES SOCIAL SECURITY
WORK?
What is the importance and benefits
of life insurance in real life, and at
retirement age?
Pension Plans / IRA / INDIVIDUAL
RETIREMENT ACCOUNT. What is an
IRA? And what does it matter?
What is Annuity Insurance
Investment, Annuity & Pension
Insurance? Are Annuities Planning
today for a secure tomorrow?
Real Estate Assistance Program For
Home-Buyers & sellers
FREE MONEY: EARN CASH BACK;
BUYERS AND SELLERS YOU CAN PUT
MONEY BACK IN YOUR POCKET... Earn
a cash back bonus. CLICK HERE...
When you buy or sell a home through
Real Estate Assistance Program With
us ... GET BACK UP TO $2,500.00
CLICK HERE TO SEE --- the best
products FOR LESS PRICE, from the
world most prestigious companies.
Real Estate Investment,
Home-Buying Guide,
Home-Selling Guide,
Mortgage Loan Modification to Avoid
Foreclosure,
Home Refinancing Since Interest
Rate has Dropped to the bottom low,
Real Estate Financing
No Matter what you heard from the
news you still can purchase, Begin
buying process with Mortgage Loane
Pre-Qualification.
IF YOU NEED HELP TO BUY OR TO
SELL A PROPERTY IN SOUTH
FLORIDA ; LET A PROFESSIONAL
LICENSED REALTOR & LICENSED
MORTGAGE BROKER ASSIST YOU.
SOUTH FL. CONTACT ANTONY AT:
786-
Real Estate Assistance Program For
Home-Buyers & sellers
FREE MONEY: EARN CASH BACK;
BUYERS AND SELLERS YOU CAN PUT
MONEY BACK IN YOUR POCKET...
Earn a cash back bonus. CLICK
HERE...
When you buy or sell a home through
Real Estate Assistance Program With
us ... GET BACK UP TO $2,500.00
----------------------------------------------------------------------------------------------------------------
Mortgage Loans Information Center ...
Real Estate general Information
Center ...
FORECLOSURE SOLUTION! STOP IT NOW.
SAVE YOUR EQUITY, SAVE YOUR CREDIT,
AND PUT MONEY BACK IN YOUR POCKET.
----
FORECLOSURE ALTERNATIVES: TIPS
TO AVOID THIS NIGHTMARE . ..
FORECLOSURE INVESTMENTS: IT'S A
GREAT WAY TO INVEST IN REAL
ESTATE AND MAKE BIG PROFITS;
GREAT DEALS. BARGAIN, BARGAIN ...
About Buying HUD Homes? What is a
HUD Home? How are HUD Homes
sold?..
SHORT SALE: REAL ESTATE INVESTMENT
OPPORTUNITY FOR ALL. SHORT SALE
METHODS AND TECHNIQUES!...
HOW TO BUY SHORT SALE PROPERTIES?
HOW TO INVEST IN REAL ESTATE SHORT
SALE AND MAKE BIG PROFIT?
CREATIVE FINANCING: TOP 10
CREATIVE FINANCING TECHNIQUES
AND STRATEGIES TO FIND MONEY TO
INVEST!
Capital gains tax, Understanding
Capital Gains Taxes, Real Estate
Capital Gains Tax
pre-construction: Is by far one of the
most viable passive investment
vehicle available in the real estate
industry ...
FREE ONLINE AD: COMPLETELY FREE,
ABSOLUTELY FREE ADVERTISEMENT
ON THREE DIFFERENT WEBSITES; NO
FEES, NO CHARGES, NO COSTS TO
YOU. .. CLICK HERE... [FSBO]
1031 Exchange, Tax Saving Tips for
Real Estate Investors and landlords.
1031 Like-Kind Exchanges and
Multi-Family Investments: A Very
Profitable
Combination!
Real Estate For Sale,
Commercial Real Estate,
Miami Real Estate,
Mobile Home,
Florida Real Estate
BUY ALL YOU WANT RIGHT HERE;
THE BEST QUALITY PRODUCTS FROM
THE WORLD GREATEST COMPANIES
AT
DISCOUNT PRICE. BARGAIN, BARGAIN!
Rental Property,
Commercial Real estate Investors:
Calculator to use and a variety of
mathematical tools to analyze the
performance of their investment
properties...
Home-Buyers & sellers
FREE MONEY: EARN CASH BACK;
BUYERS AND SELLERS YOU CAN PUT
MONEY BACK IN YOUR POCKET... Earn
a cash back bonus. CLICK HERE...
When you buy or sell a home through
Real Estate Assistance Program With
us ... GET BACK UP TO $2,500.00
CLICK HERE TO SEE --- the best
products FOR LESS PRICE, from the
world most prestigious companies.
Real Estate Investment,
Home-Buying Guide,
Home-Selling Guide,
Mortgage Loan Modification to Avoid
Foreclosure,
Home Refinancing Since Interest
Rate has Dropped to the bottom low,
Real Estate Financing
No Matter what you heard from the
news you still can purchase, Begin
buying process with Mortgage Loane
Pre-Qualification.
IF YOU NEED HELP TO BUY OR TO
SELL A PROPERTY IN SOUTH
FLORIDA ; LET A PROFESSIONAL
LICENSED REALTOR & LICENSED
MORTGAGE BROKER ASSIST YOU.
SOUTH FL. CONTACT ANTONY AT:
786-
Real Estate Assistance Program For
Home-Buyers & sellers
FREE MONEY: EARN CASH BACK;
BUYERS AND SELLERS YOU CAN PUT
MONEY BACK IN YOUR POCKET...
Earn a cash back bonus. CLICK
HERE...
When you buy or sell a home through
Real Estate Assistance Program With
us ... GET BACK UP TO $2,500.00
----------------------------------------------------------------------------------------------------------------
Mortgage Loans Information Center ...
Real Estate general Information
Center ...
FORECLOSURE SOLUTION! STOP IT NOW.
SAVE YOUR EQUITY, SAVE YOUR CREDIT,
AND PUT MONEY BACK IN YOUR POCKET.
----
FORECLOSURE ALTERNATIVES: TIPS
TO AVOID THIS NIGHTMARE . ..
FORECLOSURE INVESTMENTS: IT'S A
GREAT WAY TO INVEST IN REAL
ESTATE AND MAKE BIG PROFITS;
GREAT DEALS. BARGAIN, BARGAIN ...
About Buying HUD Homes? What is a
HUD Home? How are HUD Homes
sold?..
SHORT SALE: REAL ESTATE INVESTMENT
OPPORTUNITY FOR ALL. SHORT SALE
METHODS AND TECHNIQUES!...
HOW TO BUY SHORT SALE PROPERTIES?
HOW TO INVEST IN REAL ESTATE SHORT
SALE AND MAKE BIG PROFIT?
CREATIVE FINANCING: TOP 10
CREATIVE FINANCING TECHNIQUES
AND STRATEGIES TO FIND MONEY TO
INVEST!
Capital gains tax, Understanding
Capital Gains Taxes, Real Estate
Capital Gains Tax
pre-construction: Is by far one of the
most viable passive investment
vehicle available in the real estate
industry ...
FREE ONLINE AD: COMPLETELY FREE,
ABSOLUTELY FREE ADVERTISEMENT
ON THREE DIFFERENT WEBSITES; NO
FEES, NO CHARGES, NO COSTS TO
YOU. .. CLICK HERE... [FSBO]
1031 Exchange, Tax Saving Tips for
Real Estate Investors and landlords.
1031 Like-Kind Exchanges and
Multi-Family Investments: A Very
Profitable
Combination!
Real Estate For Sale,
Commercial Real Estate,
Miami Real Estate,
Mobile Home,
Florida Real Estate
BUY ALL YOU WANT RIGHT HERE;
THE BEST QUALITY PRODUCTS FROM
THE WORLD GREATEST COMPANIES
AT
DISCOUNT PRICE. BARGAIN, BARGAIN!
Rental Property,
Commercial Real estate Investors:
Calculator to use and a variety of
mathematical tools to analyze the
performance of their investment
properties...
- New York Stock Exchange
Includes NYSE news, stock
market and trading activity,
company listings, and more
Includes NYSE news, stock
market and trading activity,
company listings, and more
NASDAQ Stock Market
Includes stock quotes, news,
stock market activity,
investor tools, and IPO
information.
Market summary with Google
finance
check stocks, check on
companies, how to invest?
where to invest?
finance
check stocks, check on
companies, how to invest?
where to invest?
 | |  | |  | |  | |  | |  | |  | |  |
''-
Market summary with Google finance
check stocks, check on companies,
how to invest? Where to invest?
- New York Stock Exchange
Includes NYSE news, stock market and
trading activity, company listings, and
more.
NASDAQ Stock Market
Includes stock quotes, news, stock
market activity, investor tools, and IPO
information.
Market summary with Google finance
check stocks, check on companies,
how to invest? Where to invest?
- New York Stock Exchange
Includes NYSE news, stock market and
trading activity, company listings, and
more.
NASDAQ Stock Market
Includes stock quotes, news, stock
market activity, investor tools, and IPO
information.
| ''HERE YOU CAN SEARCH, & FIND EVERYTHING YOU CAN IMAGINE, EVERY IMPORTANT WEBSITES, EVERY GOVERNMENT INFO. FEDERAL STATE & LOCAL, EVERY AGENCIES. CLICK HERE!.-- |
''- UNCLAIMED MONEY,
UNCLAIMED PROPERTY,
THE FORGOTTEN
TREASURE SEATING IN
THE HANDS OF THE
STATES GOVERNMENT
COULD BE YOURS OR TO
SOMEONE YOU MAY
KNOW!
''HOW TO CLAIM THE
UNCLAIMED MONEY?
'',,Grant Money, free
Money From the U.S.
Government.
You May Qualify For Real
Government Funding.
Find Out What You Need
to Know to APPLY...
Funding Opportunities
Available for All United
States Citizens. APPLY
KNOW!
UNCLAIMED PROPERTY,
THE FORGOTTEN
TREASURE SEATING IN
THE HANDS OF THE
STATES GOVERNMENT
COULD BE YOURS OR TO
SOMEONE YOU MAY
KNOW!
''HOW TO CLAIM THE
UNCLAIMED MONEY?
'',,Grant Money, free
Money From the U.S.
Government.
You May Qualify For Real
Government Funding.
Find Out What You Need
to Know to APPLY...
Funding Opportunities
Available for All United
States Citizens. APPLY
KNOW!
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Start your own business EASY & SIMPLE, be your
own boss, make extra money, secure your financial
future, obtain financial freedom. LEARN MORE! CLICK
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FIND: UNCLAIMED MONEY, ASSETS, & UNCLAIMED
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UNCLAIMED MONEY, ASSETS, PROPERTIES.
SEARCH, DISCOVER FIND AND MAKE A
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--------------------------------------------
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example. There are literally hundreds of ways money
becomes lost.
--------------------------------------------------------
SEARCH, DISCOVER FIND AND MAKE A
CLAIM.../
--------------------------------------------
While many families are struggling to make ends meet, there
are significant amounts of unclaimed cash sitting in
government bank accounts right now, waiting to be dished
out to the rightful owners.
Whose money is it? Well, chances are, some
of it’s yours!
Where does this money come from?
If you’ve ever opened a bank or credit card account, filed a
tax return, held a job, had a gas or electric bill, owned stock,
saving bonds, qualified for a pension, owned insurance, been
the beneficiary of a will or life insurance policy, or had any
one of your relatives do any of the thing just mentioned—
chances are that YOU have unclaimed money waiting for you.
There are so many places money could be
hiding, it’s really hard to believe. Sometimes it’s a relative—
a deceased parent, grand-parent, aunt or uncle. Maybe they
had a little life insurance policy that no one knew about.
And if none of the family claims it—the insurance company
turns it over to the state for safe keeping. That’s just one
example. There are literally hundreds of ways money
becomes lost.
--------------------------------------------------------
One thing is certain! YOUR unclaimed money is going to remain
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First, begin by making a list of where you or each of your
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If they lived in multiple states, you will need to search each
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The most common source is likely real estate. So if property was
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Safe deposit boxes and investments may also be available. If
you have your family member's bank records it will help your
search. You can contact the financial institutions directly.
relatives that you are searching for may have lived.
If they lived in multiple states, you will need to search each
state.
The most common source is likely real estate. So if property was
bought and sold, it could be possible that not all monies due
were properly distributed.
There could also be insurance policies, or credit balances on
homeowner's insurance that was not canceled at the time of the
home sale.
. Those funds would be just sitting there, unclaimed.
If you are searching earnestly for funds from a family member
who has passed away, take some time to think about their life
and where you need to look.
And be prepared to prove who your family member was
(identification documents), and, who you are.
Safe deposit boxes and investments may also be available. If
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State and provincial
governments of the United
States and Canada
governments working
together to safeguard and
return your lost funds
Request claim forms and
receive additional
information on documents
needed from office contact
information.
KNOWLEDGEFINANCIAL.COM AND
FINANCIAL ACADEMY SCHOOL.COM
DELIVERED THE BEST INFORMATION.
--------------------------
.
Alabama
Office of State Treasurer
Unclaimed Property Division
P.O. Box 302520
Montgomery, AL 36130-2520
Phone: (334) 242-9614
Toll Free: (888) 844-8400
alatreas@treasury.alabama.gov
Alaska
State of Alaska
Treasury Division
PO Box 110405
Juneau, AK 99811-0405
Phone: (907) 465-3726
ucproperty@alaska.gov
Alberta Canada
Alberta Finance and Enterprise
Unclaimed Property
9811 109 Street
Edmonton, AB T5K 2L5
Phone: 780-427-3044
Fax: 780-644-4921
unclaimed.property@gov.ab.ca
Arizona
Department of Revenue
Unclaimed Property Unit
P.O. Box 29026
Phoenix, AZ 85038-9026
Phone: (602) 364-0380
unclaimedproperty@azdor.gov
Arkansas
Unclaimed Property Division
Auditor of State
1401 W. Capitol Ave., Suite 325
Little Rock, AR 72201-1811
Phone: 501--682-6000
Toll Free: 1-800-252-4648
claimit@auditor.ar.gov
British Columbia Canada
British Columbia Unclaimed Property Society
Harbour Centre PO Box 12136
Vancouver, BC V6B 4N6
Phone: 604.662.3518
Toll Free: 1.888.662.2877
Fax: 604.669.2079
info@unclaimedpropertybc.ca
governments of the United
States and Canada
governments working
together to safeguard and
return your lost funds
Request claim forms and
receive additional
information on documents
needed from office contact
information.
KNOWLEDGEFINANCIAL.COM AND
FINANCIAL ACADEMY SCHOOL.COM
DELIVERED THE BEST INFORMATION.
--------------------------
.
Alabama
Office of State Treasurer
Unclaimed Property Division
P.O. Box 302520
Montgomery, AL 36130-2520
Phone: (334) 242-9614
Toll Free: (888) 844-8400
alatreas@treasury.alabama.gov
Alaska
State of Alaska
Treasury Division
PO Box 110405
Juneau, AK 99811-0405
Phone: (907) 465-3726
ucproperty@alaska.gov
Alberta Canada
Alberta Finance and Enterprise
Unclaimed Property
9811 109 Street
Edmonton, AB T5K 2L5
Phone: 780-427-3044
Fax: 780-644-4921
unclaimed.property@gov.ab.ca
Arizona
Department of Revenue
Unclaimed Property Unit
P.O. Box 29026
Phoenix, AZ 85038-9026
Phone: (602) 364-0380
unclaimedproperty@azdor.gov
Arkansas
Unclaimed Property Division
Auditor of State
1401 W. Capitol Ave., Suite 325
Little Rock, AR 72201-1811
Phone: 501--682-6000
Toll Free: 1-800-252-4648
claimit@auditor.ar.gov
British Columbia Canada
British Columbia Unclaimed Property Society
Harbour Centre PO Box 12136
Vancouver, BC V6B 4N6
Phone: 604.662.3518
Toll Free: 1.888.662.2877
Fax: 604.669.2079
info@unclaimedpropertybc.ca
California
Office of State Controller
Unclaimed Property Division
10600 White Rock Road, Suite 141
Rancho Cordova, CA 95670
Phone: (916) 323-2827
CA Residents 1-800-992-4647
Colorado
Colorado Department of the Treasury
Great Colorado Payback
1580 Logan, Suite #500
Denver, CO 80203
Phone: (303) 866-6070
Toll Free: 800) 825-2111
Fax: (303) 866-6154
greatcopayback@state.co.us
Connecticut
Office of the State Treasurer
Unclaimed Property Division
PO Box 5065
Hartford, CT 06102
Toll Free: (800) 833-7318
Delaware
Department of Finance, Division of Revenue
State Escheator
P.O. Box 8931
Wilmington, DE 19801-3509
Phone: (302) 577-8220
District of Columbia
DC Office of Finance and Treasury
Unclaimed Property Unit
1101 4th St., SW Ste. W800-B
Washington, DC 20024
Phone: (202) 442-8181
dcunclaimed.property@dc.gov
Florida
Florida Department of Financial Services
Unclaimed Property Bureau
200 E. Gaines Street
Tallahassee, FL 32399-0358
Phone: 850-413-5555
Toll Free: 888-258-2253
Fax: 850-413-3017
funclaim@myfloridacfo.com
Georgia
Georgia Department of Revenue
Local Government Services- Unclaimed
Property
4245 International Parkway, Suite A
Hapeville, GA 30354-3918
Phone: (404) 968-0490
Fax: (404) 968-0772
ucpmail@dor.ga.gov
Guam
Treasurer of Guam
PO Box 884
Hagatna, GU 96932
Hawaii
Department of Budget and Finance
Unclaimed Property Program
P.O. Box 150
Honolulu, HI 96810
Phone: (808) 586-1589
Fax: (808) 586-1644
Idaho
Idaho State Treasurer's Office
Unclaimed Property Program
P.O. Box 83720
Boise, ID 83720-9101
Phone: (208) 332-2942
Toll Free: (877) 388-2942
Fax: (208) 332-2970
ucpgeneralquestions@sto.idaho.gov
Illinois
Office of State Treasurer
Unclaimed Property Division
P.O. Box 19495
Springfield, IL 62794-9495
Phone: (217) 785-6992
IL Residents 1-866-458-7327
info@cashdash.net
Indiana
Office of the Attorney General
Unclaimed Property Division
PO Box 2504
Greenwood, IN 46142
Toll Free: 1.866.462.5246
upd@atg.state.in.us
Iowa
Great Iowa Treasure Hunt
Lucas State Office Building
321 E. 12th St., 1st Floor.
Des Moines, IA 50319
Phone: 515-281-5367
foundit@iowa.gov
Kansas
Kansas State Treasurer
Unclaimed Property Division
900 SW Jackson, Suite 201
Topeka, KS 66612-1235
Phone: (785) 296-4165
Toll Free: 1-800-432-0386
KS Residents 1-800-432-0386
Fax: 1-785-291-3172
unclaimed@treasurer.state.ks.us
Kentucky
Kentucky State Treasury
Unclaimed Property Division
1050 US Highway 127 South, Suite 100
Frankfort, KY 40601
Phone: 1-800-465-4722
Fax: (502) 564-4200
unclaimed.property@ky.gov
Office of State Controller
Unclaimed Property Division
10600 White Rock Road, Suite 141
Rancho Cordova, CA 95670
Phone: (916) 323-2827
CA Residents 1-800-992-4647
Colorado
Colorado Department of the Treasury
Great Colorado Payback
1580 Logan, Suite #500
Denver, CO 80203
Phone: (303) 866-6070
Toll Free: 800) 825-2111
Fax: (303) 866-6154
greatcopayback@state.co.us
Connecticut
Office of the State Treasurer
Unclaimed Property Division
PO Box 5065
Hartford, CT 06102
Toll Free: (800) 833-7318
Delaware
Department of Finance, Division of Revenue
State Escheator
P.O. Box 8931
Wilmington, DE 19801-3509
Phone: (302) 577-8220
District of Columbia
DC Office of Finance and Treasury
Unclaimed Property Unit
1101 4th St., SW Ste. W800-B
Washington, DC 20024
Phone: (202) 442-8181
dcunclaimed.property@dc.gov
Florida
Florida Department of Financial Services
Unclaimed Property Bureau
200 E. Gaines Street
Tallahassee, FL 32399-0358
Phone: 850-413-5555
Toll Free: 888-258-2253
Fax: 850-413-3017
funclaim@myfloridacfo.com
Georgia
Georgia Department of Revenue
Local Government Services- Unclaimed
Property
4245 International Parkway, Suite A
Hapeville, GA 30354-3918
Phone: (404) 968-0490
Fax: (404) 968-0772
ucpmail@dor.ga.gov
Guam
Treasurer of Guam
PO Box 884
Hagatna, GU 96932
Hawaii
Department of Budget and Finance
Unclaimed Property Program
P.O. Box 150
Honolulu, HI 96810
Phone: (808) 586-1589
Fax: (808) 586-1644
Idaho
Idaho State Treasurer's Office
Unclaimed Property Program
P.O. Box 83720
Boise, ID 83720-9101
Phone: (208) 332-2942
Toll Free: (877) 388-2942
Fax: (208) 332-2970
ucpgeneralquestions@sto.idaho.gov
Illinois
Office of State Treasurer
Unclaimed Property Division
P.O. Box 19495
Springfield, IL 62794-9495
Phone: (217) 785-6992
IL Residents 1-866-458-7327
info@cashdash.net
Indiana
Office of the Attorney General
Unclaimed Property Division
PO Box 2504
Greenwood, IN 46142
Toll Free: 1.866.462.5246
upd@atg.state.in.us
Iowa
Great Iowa Treasure Hunt
Lucas State Office Building
321 E. 12th St., 1st Floor.
Des Moines, IA 50319
Phone: 515-281-5367
foundit@iowa.gov
Kansas
Kansas State Treasurer
Unclaimed Property Division
900 SW Jackson, Suite 201
Topeka, KS 66612-1235
Phone: (785) 296-4165
Toll Free: 1-800-432-0386
KS Residents 1-800-432-0386
Fax: 1-785-291-3172
unclaimed@treasurer.state.ks.us
Kentucky
Kentucky State Treasury
Unclaimed Property Division
1050 US Highway 127 South, Suite 100
Frankfort, KY 40601
Phone: 1-800-465-4722
Fax: (502) 564-4200
unclaimed.property@ky.gov
State and provincial
governments of the United
States and Canada
governments working
together to safeguard and
return your lost funds
Request claim forms and
receive additional
information on documents
needed from office
contact information.
KNOWLEDGEFINANCIALGROUP.COM AND
VISIONONE HOLDING COMPANY DELIVERED
THE BEST INFORMATION.
---------------------------------
Louisiana
Office of the State Treasurer
Unclaimed Property Division
P.O. Box 91010
Baton Rouge, LA 70821-9010
Phone: 225-219-9400
Toll Free: 1-888-925-4127
missingmoney@treasury.state.la.us
Maine
Office of the State Treasurer
Attn: Unclaimed Property
39 State House Station
Augusta, ME 04333
Phone: (207) 624-7470
ME Residents (888) 283-2808
up.claimstatus@maine.gov
Manitoba Canada
Winnipeg, MB
Maryland
Comptroller of Maryland
Unclaimed Property Unit
301 W. Preston Street
Baltimore, MD 21201-2385
Phone: 410-767-1700
Toll Free: 1-800-782-7383
unclaim@comp.state.md.us
Massachusetts
Department of the State Treasurer
Abandoned Property Division
One Ashburton Place, 12th Floor
Boston, MA 02108-1608
Phone: 617-367-0400
MA Residents 1-800-647-2300
abp@tre.state.ma.us
Michigan
Michigan Department of Treasury
Unclaimed Property Division
Lansing, MI 48922
Phone: (517) 636-5320
Fax: (517) 322-5986
treasupd@michigan.gov
Minnesota
Minnesota Department of Commerce
Unclaimed Property Program
85 7th Place East, Suite 500
St. Paul, MN 55101-2198
Phone: 651-296-2568
MN Residents 1-800-925-5668
unclaimed.property@state.mn.us
Mississippi
Mississippi Treasury
Unclaimed Property Division
PO Box 138
Jackson, MS 39205
Phone: (601) 359-3600
Missouri
State Treasurer's Office
Unclaimed Property Section
P.O. Box 1004
Jefferson City, MO 65102-1272
Phone: (573) 751-0840
ucp@treasurer.mo.gov
Montana
Department of Revenue
Attn: Unclaimed Property
P.O. Box 5805
Helena, MT 59604-5805
Phone: (406) 444-6900
Toll Free: (866) 859-2254
Fax: (406) 444-0722
unclaimedproperty@mt.gov
Nebraska
Office of the State Treasurer
Unclaimed Property Division
809 P St
Lincoln, NE 68508
Phone: (402) 471-2455
Toll Free: 877-572-9688
nst.upclaims@nebraska.gov
Nevada
Office of the State Treasurer
Unclaimed Property Division
555 E Washington Avenue, Suite 4200
Las Vegas, NV 89101-1070
Phone: 702-486-4140
NV Residents 1-800-521-0019
unclaimedproperty@nevadatreasurer.gov
New Brunswick Canada
Fredericton, NB
New Hampshire
State Treasury
Unclaimed Property Division
25 Capitol Street, Room 205
Concord, NH 03301
Phone: (603) 271-2619
NH Residents (800) 791-0920
aptreasury@treasury.state.nh.us
New Jersey
Office of the State Treasurer
Unclaimed Property
P.O. Box 214
Trenton, NJ 08695-0214
Phone: (609) 292-9200
nj.unclaimedproperty@treas.state.nj.us
New Mexico
Taxation & Revenue Department
Unclaimed Property Division
P.O. Box 25123
Santa Fe, NM 87504-5123
Phone: (505) 476-1774
uproperty@state.nm.us
New York
Office of the State Comptroller
Office of Unclaimed Funds
110 State Street, 8th Floor
Albany, NY 12236
Phone: 1-518-270-2200
Toll Free: 1-800-221-9311
NY Residents 1-800-221-9311
NYSOUF@osc.state.ny.us
NewFoundland Canada
St. John's, NL
North Carolina
Department of State Treasurer
Unclaimed Property Program
325 North Salisbury Street
Raleigh, NC 27603-1385
Phone: (919) 508-1000
Fax: (919) 508-5181
unclaimed.property@nctreasurer.com
North Dakota
State Land Department
Unclaimed Property Division
P.O. Box 5523
Bismarck, ND 58506-5523
Phone: 701.328.2800
llfisher@state.nd.us
Nova Scotia Canada
Halifax, NS
Ohio
Department of Commerce
Division of Unclaimed Funds
77 South High Street, 20th floor
Columbus, OH 43215-6108
Phone: (614) 466-4433
Toll Free: 877-644-6823
unfdmm@com.state.oh.us
Oklahoma
Oklahoma State Treasurer
Unclaimed Property Division
2401 NW 23rd Street, Suite 42
Oklahoma City, OK 73107-2431
Phone: (405) 521-4273
unclaimed@treasurer.ok.gov
Ontario Canada
Toronto, ON
Oregon
Division of State Lands
Trust Property Section
775 Summer St. NE #100
Salem, OR 97301-1279
Phone: 503-986-5200
Fax: 503-378-4844
claims@dsl.state.or.us
Pennsylvania
Treasury Department
Bureau of Unclaimed Property
P.O. Box 1837
Harrisburg, PA 17105-1837
Toll Free: 1-800-222-2046
tupmail@patreasury.gov
Prince Edward Isl Canada
Charlottetown, PE
Puerto Rico
Office of the Commissioner of Financial Inst.
PO Box 11855
San Juan, PR 00910-3855
Phone: (787) 723-3131 X 2354
Fax: 787-723-4225
up@ocif.gobierno.pr
Quebec Canada
Unclaimed Property
500, boulevard Rene-Levesque Ouest,
Bureau 10.00
Montreal Quebec, QC H2Z 1W7
Rhode Island
Office of the General Treasurer
Unclaimed Property Division
P.O. Box 1435
Providence, RI 02901
Phone: 401.462.7676
RI Residents 401.462.7676
ups@treasury.ri.gov
Saskatchewan Canada
Regina, SK
South Carolina
Unclaimed Property Program
State Treasurer's Office
P. O. Box 11778
Columbia, SC 29211
Phone: (803) 737-4771
Fax: (803) 734-2668
payback@sto.sc.gov
South Dakota
Office of the State Treasurer
Unclaimed Property Division
500 East Capitol Ave, Suite 212
Pierre, SD 57501-5070
Phone: (605) 773-3379
unclaimed@sdtreasurer.gov
Tennessee
Treasury Department - Unclaimed Property
Division
502 Deaderick Street
Nashville, TN 37243-0203
Phone: (615) 741-6499
ucp.information@tn.gov
Texas
Comptroller of Public Accounts
Unclaimed Property Division
Post Office Box 12019
Austin, TX 78711-2019
Toll Free: 1-800-654-FIND (3463)
unclaimed.property@cpa.state.tx.us
Utah
State Treasurer's Office
Unclaimed Property Division
PO Box 140530
Salt Lake City, UT 84114
Phone: (801)715-3300
Toll Free: 1-888-217-1203
Vermont
Vermont State Treasurer
Unclaimed Property Division
Pavillion Building 109 State Street, 4th Floor
Montpelier, VT 05609-6200
Phone: 802-828-2407
VT Residents 1-800-642-3191
unclaimed.property@state.vt.us
Virgin Islands
Office of the Lieutenant Governor
Division of Banking
18 Kongens Gade
St. Thomas, VI 00802
Phone: 340-774-7166
Virginia
Virginia Department of the Treasury
Division of Unclaimed Property
P.O. Box 2478
Richmond, VA 23218-2478
Phone: (804) 225-2393
Toll Free: 1-800-468-1088
ucpmail@trs.virginia.gov
Washington
Department of Revenue
Unclaimed Property Section
PO Box 47477
Olympia, WA 98504-7477
Phone: (360) 705-6706
WA Residents 1-800-435-2429
ucp@dor.wa.gov
West Virginia
Office of the State Treasurer
Unclaimed Property Division
One Players Club Drive
Charleston, WV 25311
Phone: 304-558-2937
Toll Free: 1-800-642-8687
eclaims_support@wvsto.com
Wisconsin
State Treasurer's Office
Unclaimed Property Unit
P.O. Box 2114
Madison, WI 53701-2114
ostunclaimedproperty@wi.gov
Wyoming
Office of the State Treasurer
Unclaimed Property
2515 Warren Avenue, Suite 502
Cheyenne, WY 82002
Phone: 307-777-5590
governments of the United
States and Canada
governments working
together to safeguard and
return your lost funds
Request claim forms and
receive additional
information on documents
needed from office
contact information.
KNOWLEDGEFINANCIALGROUP.COM AND
VISIONONE HOLDING COMPANY DELIVERED
THE BEST INFORMATION.
---------------------------------
Louisiana
Office of the State Treasurer
Unclaimed Property Division
P.O. Box 91010
Baton Rouge, LA 70821-9010
Phone: 225-219-9400
Toll Free: 1-888-925-4127
missingmoney@treasury.state.la.us
Maine
Office of the State Treasurer
Attn: Unclaimed Property
39 State House Station
Augusta, ME 04333
Phone: (207) 624-7470
ME Residents (888) 283-2808
up.claimstatus@maine.gov
Manitoba Canada
Winnipeg, MB
Maryland
Comptroller of Maryland
Unclaimed Property Unit
301 W. Preston Street
Baltimore, MD 21201-2385
Phone: 410-767-1700
Toll Free: 1-800-782-7383
unclaim@comp.state.md.us
Massachusetts
Department of the State Treasurer
Abandoned Property Division
One Ashburton Place, 12th Floor
Boston, MA 02108-1608
Phone: 617-367-0400
MA Residents 1-800-647-2300
abp@tre.state.ma.us
Michigan
Michigan Department of Treasury
Unclaimed Property Division
Lansing, MI 48922
Phone: (517) 636-5320
Fax: (517) 322-5986
treasupd@michigan.gov
Minnesota
Minnesota Department of Commerce
Unclaimed Property Program
85 7th Place East, Suite 500
St. Paul, MN 55101-2198
Phone: 651-296-2568
MN Residents 1-800-925-5668
unclaimed.property@state.mn.us
Mississippi
Mississippi Treasury
Unclaimed Property Division
PO Box 138
Jackson, MS 39205
Phone: (601) 359-3600
Missouri
State Treasurer's Office
Unclaimed Property Section
P.O. Box 1004
Jefferson City, MO 65102-1272
Phone: (573) 751-0840
ucp@treasurer.mo.gov
Montana
Department of Revenue
Attn: Unclaimed Property
P.O. Box 5805
Helena, MT 59604-5805
Phone: (406) 444-6900
Toll Free: (866) 859-2254
Fax: (406) 444-0722
unclaimedproperty@mt.gov
Nebraska
Office of the State Treasurer
Unclaimed Property Division
809 P St
Lincoln, NE 68508
Phone: (402) 471-2455
Toll Free: 877-572-9688
nst.upclaims@nebraska.gov
Nevada
Office of the State Treasurer
Unclaimed Property Division
555 E Washington Avenue, Suite 4200
Las Vegas, NV 89101-1070
Phone: 702-486-4140
NV Residents 1-800-521-0019
unclaimedproperty@nevadatreasurer.gov
New Brunswick Canada
Fredericton, NB
New Hampshire
State Treasury
Unclaimed Property Division
25 Capitol Street, Room 205
Concord, NH 03301
Phone: (603) 271-2619
NH Residents (800) 791-0920
aptreasury@treasury.state.nh.us
New Jersey
Office of the State Treasurer
Unclaimed Property
P.O. Box 214
Trenton, NJ 08695-0214
Phone: (609) 292-9200
nj.unclaimedproperty@treas.state.nj.us
New Mexico
Taxation & Revenue Department
Unclaimed Property Division
P.O. Box 25123
Santa Fe, NM 87504-5123
Phone: (505) 476-1774
uproperty@state.nm.us
New York
Office of the State Comptroller
Office of Unclaimed Funds
110 State Street, 8th Floor
Albany, NY 12236
Phone: 1-518-270-2200
Toll Free: 1-800-221-9311
NY Residents 1-800-221-9311
NYSOUF@osc.state.ny.us
NewFoundland Canada
St. John's, NL
North Carolina
Department of State Treasurer
Unclaimed Property Program
325 North Salisbury Street
Raleigh, NC 27603-1385
Phone: (919) 508-1000
Fax: (919) 508-5181
unclaimed.property@nctreasurer.com
North Dakota
State Land Department
Unclaimed Property Division
P.O. Box 5523
Bismarck, ND 58506-5523
Phone: 701.328.2800
llfisher@state.nd.us
Nova Scotia Canada
Halifax, NS
Ohio
Department of Commerce
Division of Unclaimed Funds
77 South High Street, 20th floor
Columbus, OH 43215-6108
Phone: (614) 466-4433
Toll Free: 877-644-6823
unfdmm@com.state.oh.us
Oklahoma
Oklahoma State Treasurer
Unclaimed Property Division
2401 NW 23rd Street, Suite 42
Oklahoma City, OK 73107-2431
Phone: (405) 521-4273
unclaimed@treasurer.ok.gov
Ontario Canada
Toronto, ON
Oregon
Division of State Lands
Trust Property Section
775 Summer St. NE #100
Salem, OR 97301-1279
Phone: 503-986-5200
Fax: 503-378-4844
claims@dsl.state.or.us
Pennsylvania
Treasury Department
Bureau of Unclaimed Property
P.O. Box 1837
Harrisburg, PA 17105-1837
Toll Free: 1-800-222-2046
tupmail@patreasury.gov
Prince Edward Isl Canada
Charlottetown, PE
Puerto Rico
Office of the Commissioner of Financial Inst.
PO Box 11855
San Juan, PR 00910-3855
Phone: (787) 723-3131 X 2354
Fax: 787-723-4225
up@ocif.gobierno.pr
Quebec Canada
Unclaimed Property
500, boulevard Rene-Levesque Ouest,
Bureau 10.00
Montreal Quebec, QC H2Z 1W7
Rhode Island
Office of the General Treasurer
Unclaimed Property Division
P.O. Box 1435
Providence, RI 02901
Phone: 401.462.7676
RI Residents 401.462.7676
ups@treasury.ri.gov
Saskatchewan Canada
Regina, SK
South Carolina
Unclaimed Property Program
State Treasurer's Office
P. O. Box 11778
Columbia, SC 29211
Phone: (803) 737-4771
Fax: (803) 734-2668
payback@sto.sc.gov
South Dakota
Office of the State Treasurer
Unclaimed Property Division
500 East Capitol Ave, Suite 212
Pierre, SD 57501-5070
Phone: (605) 773-3379
unclaimed@sdtreasurer.gov
Tennessee
Treasury Department - Unclaimed Property
Division
502 Deaderick Street
Nashville, TN 37243-0203
Phone: (615) 741-6499
ucp.information@tn.gov
Texas
Comptroller of Public Accounts
Unclaimed Property Division
Post Office Box 12019
Austin, TX 78711-2019
Toll Free: 1-800-654-FIND (3463)
unclaimed.property@cpa.state.tx.us
Utah
State Treasurer's Office
Unclaimed Property Division
PO Box 140530
Salt Lake City, UT 84114
Phone: (801)715-3300
Toll Free: 1-888-217-1203
Vermont
Vermont State Treasurer
Unclaimed Property Division
Pavillion Building 109 State Street, 4th Floor
Montpelier, VT 05609-6200
Phone: 802-828-2407
VT Residents 1-800-642-3191
unclaimed.property@state.vt.us
Virgin Islands
Office of the Lieutenant Governor
Division of Banking
18 Kongens Gade
St. Thomas, VI 00802
Phone: 340-774-7166
Virginia
Virginia Department of the Treasury
Division of Unclaimed Property
P.O. Box 2478
Richmond, VA 23218-2478
Phone: (804) 225-2393
Toll Free: 1-800-468-1088
ucpmail@trs.virginia.gov
Washington
Department of Revenue
Unclaimed Property Section
PO Box 47477
Olympia, WA 98504-7477
Phone: (360) 705-6706
WA Residents 1-800-435-2429
ucp@dor.wa.gov
West Virginia
Office of the State Treasurer
Unclaimed Property Division
One Players Club Drive
Charleston, WV 25311
Phone: 304-558-2937
Toll Free: 1-800-642-8687
eclaims_support@wvsto.com
Wisconsin
State Treasurer's Office
Unclaimed Property Unit
P.O. Box 2114
Madison, WI 53701-2114
ostunclaimedproperty@wi.gov
Wyoming
Office of the State Treasurer
Unclaimed Property
2515 Warren Avenue, Suite 502
Cheyenne, WY 82002
Phone: 307-777-5590
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unclaimed property HUD Refunds
unclaimed property Life Insurance
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nearly $16 billion, remain unredeemed, according
to the U.S. Department of the Treasury. }
''Find Unclaimed Tax Refunds From IRS: In recent
years , the Internal Revenue Service said it had
$multi million dollar in tax refund checks that were
undeliverable, waiting to redeem.}
{Find Overbid Proceeds From Foreclosure
Properties: If a foreclosed home or tax lien for
delinquent taxes is sold at auction for a price above
the money owed, the former property owner is
owed the so-called "overbid proceeds, FL CLERK
OF COURTS" }
States and
Capitals-- To Look
For Unclaimed Money,
Unclaimed Property.
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Ohio
Oklahoma Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington State
Washington DC
West Virginia
Wisconsin
Wyoming
Capitals-- To Look
For Unclaimed Money,
Unclaimed Property.
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Ohio
Oklahoma Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington State
Washington DC
West Virginia
Wisconsin
Wyoming
KNOWLEDGE FINANCIALGROUP.COM
Billions of dollars have been lost. Could some of it be
yours?-- UNCLAIMED MONEY, UNCLAIMED
PROPERTIES.
Yes the government may owed you money; you may
not even know about it.----
WWW.KNOWLEDGEFINANCIALGROUP.COM
NAUPA is the association of the state unclaimed
property programs, but the databases are located
and maintained by each state, not NAUPA. However,
most
states participate in Missing money and we suggest
that you search there. You may also link to all state
databases individually from this Web site by clicking
on.
Answers to Questions about Unclaimed Property
What is unclaimed property?
Unclaimed property (sometimes referred to as
abandoned) refers to accounts in financial
institutions and companies that have had no activity
generated or
contact with the owner for one year or a longer
period.
Common forms of unclaimed property include
savings or checking accounts, stocks, uncashed
dividends or payroll checks, refunds, traveler’s
checks, trust distributions, unredeemed money
orders or gift certificates (in some states), insurance
payments or
refunds and life insurance policies, annuities,
certificates of deposit, customer overpayments, utility
security deposits, mineral royalty payments, and
contents
of safe deposit boxes.
What happens to these accounts that have no
activity?-----
WWW.KNOWLEDGEFINANCIALGROUP.COM
Acting in the best interest of consumers, each state
has enacted an unclaimed property statute that
protects your funds from reverting back to the
company if
you have lost contact with them. These laws instruct
companies to turn forgotten funds over to a state
official who will then make a diligent effort to find you
or your heirs. Most states hold lost funds until you
are found, returning them to you at no cost or for a
nominal handling fee upon filing a claim form and
verification of your identity.
Since it is impossible to store and maintain all of the
contents that are turned over from safe deposit
boxes, most states hold
periodic auctions and hold the funds obtained from
the sale of the items for the owner. Some states also
sell stocks and bonds and return the proceeds to the
owner in he same manner.
How do states try to return this money?
State unclaimed property programs publish names of
owners in newspapers, set up displays at state fairs,
malls, and other public events, work with other public
officials such as legislators and local librarians, and
make searchable databases available via the Internet.
Unclaimed property officials welcome
opportunities to speak to the media and other groups.
In 2006, over 1.9 million claims were paid to owners
totaling at least $1.7 billion.
Companies must send funds from lost accounts to
the state of the owner’s last known address. That
means you could potentially have unclaimed
property in
every state that you have resided. You might want to
begin your search on the Internet .Site officially
endorsed by the National Association of Unclaimed
Property Administrators (NAUPA) containing the
official collective records from most state unclaimed
property programs. NAUPA will link you to every state
unclaimed property program Web site where you can
search.
How do I keep my property from becoming lost in the
future?---- WWW.KNOWLEDGEFINANCIALGROUP.
COM
Remember, property becomes lost due to a company
having no communication with the owner. You
should contact institutions that hold your money or
property every year and especially when there is an
address change or change in marital status. For
security reasons, most financial institutions do not
forward
mail.
Keep accurate financial records and record all
insurance policies, bank account numbers with bank
names and addresses, types of accounts, stock
certificates, and rent and utility deposits.
Cash all checks for dividends, wages, and insurance
settlements without delay.
Respond to requests for confirmation of account
balances and stockholder proxies.
If you have a safe deposit box, record its number,
bank name and address, and give the extra key to a
trusted person.
Finally, prepare and file a will detailing the disposition
of your assets.
Does the Federal Government hold unclaimed
property?
Yes, but only in federal agencies such as the Internal
Revenue Service, HUD mortgage insurance refunds,
pensions, and U.S. Savings Bonds to name a few.
Additionally, millions of Americans are holding more
than 35 million U.S. Savings Bonds that have fully
matured. Some have lost bonds. Others have
forgotten about their bonds. Still others think their
bonds continue to earn interest. The value of these
bonds is nearly $15 billion and continues to rise.
When savings bonds are sold, the Bureau of the
Public Debt collects the name and address of the
bond owner. These names and addresses are literally
buried within five billion microfilm issuance records.
The vast majority of microfilm records are not
indexed and practically inaccessible. As a result,
nobody
is actively searching for the owners of more than 35
million matured unredeemed savings bonds.------
WWW.KNOWLEDGEFINANCIALGROUP.COM
Operation Rightful Owner is a joint effort between the
National Association of State Treasurers and the
National Association of Unclaimed Property
Administrators to introduce legislation in Congress
that will leverage state unclaimed property programs
in partnership with the Federal government to reunite
owners with their matured unredeemed savings
bonds.
We will keep you updated about this important
project that we hope will ultimately reach out to
owners of more than 35 million matured unredeemed
savings bonds and facilitate their claims to redeem
bonds. A key part of the effort will be the creation of a
national searchable database.
State Agencies
State governments working together
to safeguard and return your lost funds.
----KNOWLEDGEFINANCIALGROUP.COM
Can I search for myself, my family or a business?
You can do an individual, family or business search.
An individual search is based upon your
last name (current or prior name) and your full or
partial first name. A family search only
requires last name. The Business search just
requires entering your business name in the last
name field.
Who can I search for?
Anyone. However, you may only file a claim for
property that belongs to you or for which you
are the legal heir. If you are a business owner, you
may also file on behalf of your business.
--------KNOWLEDGEFINANCIALGROUP.COM
Save Time, Set Up Profiles You can set up Profiles for
yourself, your family and your friends
(remember to include any maiden or previous
names). To set up search profiles click on the
"Create / Maintain Profiles" menu option under 'My
Profiles' to add additional profiles. If you
are not signed in or not yet a member, click on the
"Log In" or "Join" option under 'My Profiles'.
Can I search for my deceased family members? Yes
you can.
How often can I search? As -----
KNOWLEDGEFINANCIALGROUP.COM
You may search as often as you like.
When is the information updated? Unclaimed
property records are continually updated in the
Missing Money database. If you don't find your
missing money today, remember to come back
and check often.
How long does it take to receive my money? -----
KNOWLEDGEFINANCIALGROUP.COM
Claims processing time frames vary from state to
state and by property type based upon claim
activity. (Usually between 4 - 16 weeks)
How do I find out about the status of my claim? Once
a claim has been filed with the state, the
state is responsible for your paper work. All specific
questions should be address directly to
the state in which your claim has been filed.
How do I know if the match listed is mine? Is this a
state that you may have resided in? Do you
recognize the name of the company listed?
Remember, you will need to submit proof that you
are eligible.
UNCLAIMED MONEY, UNCLAIMED PROPERTY, THE
FORGOTTEN TREASURE SEATING IN THE HANDS
OF THE STATES GOVERNMENT COULD BE YOURS
OR TO SOMEONE YOU MAY KNOW! -------
-----------------------------------------
SOUTH FLORIDA REAL ESTATE:
BUYING, SELLING, LEASING. CALL A
REALTOR AT: ---- We are real estate
marketing experts,
let us put your property on the
market for sell, your listing will be
available to more buyers than you can
think off.
I have committed to provide you with
specialized real estate service you
deserve.
OFFICE COMPLEXES, RETAIL CENTERS,
APARTMENT BUILDINGS, HOTELS,
HOUSES, CONDOS, TOWN-HOMES,
BUSINESSES. ------ [BUY, SALE, LEASE]
CALL Mr. ANTONY AT: --- F. Int. Realty
----------------------------------
Governments may owe you money, your
friends, your family or someone you may
know! Search now.
Missing treasure waiting to be claimed, original
owners, or beneficiary!
US department of treasury may be waiting for you to
redeem what may be yours!
Bureau of unclaimed property asking you to come
forward!
''Bureau of unclaimed property asking you to come
forward! ''-
Florida treasure hunters, owners, beneficiaries. claim
your share!
''Florida treasure hunters, owners, beneficiaries.
claim your share! ''-
'' U.S. Department of the Treasury may owed you
money''-
'' Start Your Free Search for Money That
Might Be Due You''-
Go directly to a government unclaimed property
program by clicking on a state, territory, or
province from the map or drop box below. You
should search in every state where you have lived.
knowledgefinancial.com
money''-
'' Start Your Free Search for Money That
Might Be Due You''-
Go directly to a government unclaimed property
program by clicking on a state, territory, or
province from the map or drop box below. You
should search in every state where you have lived.
knowledgefinancial.com
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PLEASE CALL Mr. ANTONY A PROFESSIONAL REALTOR. AT: 786-709-1531 ---
Fortune International Realty ---786-709-1531 -- ASK FOR ANTHONY
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THINGS YOU SHOULD NOT BE
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