FINANCIAL FREEDOM
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BUILDING FINANCIAL FREEDOM
Does the idea of planning for your financial future seem too complex or confusing? Do you think you can't save money because you're barely making ends meet as it is? All excuses aside, there are two good reasons to seize
control of your finances now:
You can no longer count on your employer or the government to provide for you now or in the future. You must make your own plans.
Financial planning is the key to paying for those big ticket items — buying your own home or funding a college education for your children.
The sooner you start planning for the future, the sooner you'll reap the rewards. Use this guide to help you build your financial freedom.
Establish a Spending Plan
The first step toward financial freedom is establishing a spending plan. The worksheet below will show you how much money you have coming in and going out. Fill in the monthly dollar amounts for each item below. Then,
subtract your total expenditures from your total income.
This is the amount you can save without making any changes in your spending habits. A recommended savings rate is 10% of your take-home pay. If you find that your total is a negative number or is less than you would like to
save, you need to find areas where you can cut spending. Begin by recording all your expenditures for one month (cash, check and credit) in a notebook so you know exactly where your money is going. Look for areas where you
can cut back. Perhaps you can rent videos rather than going to the movies, cut down on your dry cleaning bill, use coupons at the grocery store, carpool to work or take your lunch rather than eating out.
Once you have determined how much you can save each month, enter this amount on your worksheet as one of your permanent expenditures. Pay yourself first by setting aside your savings when you receive your paycheck,
before you have a chance to spend the money on anything else. It helps to have savings automatically deducted from your paycheck or checking account. Don’t get discouraged if an emergency cuts into your savings. Just get
back on track the following month.
Does the idea of planning for your financial future seem too complex or confusing? Do you think you can't save money because you're barely making ends meet as it is? All excuses aside, there are two good reasons to seize
control of your finances now:
You can no longer count on your employer or the government to provide for you now or in the future. You must make your own plans.
Financial planning is the key to paying for those big ticket items — buying your own home or funding a college education for your children.
The sooner you start planning for the future, the sooner you'll reap the rewards. Use this guide to help you build your financial freedom.
Establish a Spending Plan
The first step toward financial freedom is establishing a spending plan. The worksheet below will show you how much money you have coming in and going out. Fill in the monthly dollar amounts for each item below. Then,
subtract your total expenditures from your total income.
This is the amount you can save without making any changes in your spending habits. A recommended savings rate is 10% of your take-home pay. If you find that your total is a negative number or is less than you would like to
save, you need to find areas where you can cut spending. Begin by recording all your expenditures for one month (cash, check and credit) in a notebook so you know exactly where your money is going. Look for areas where you
can cut back. Perhaps you can rent videos rather than going to the movies, cut down on your dry cleaning bill, use coupons at the grocery store, carpool to work or take your lunch rather than eating out.
Once you have determined how much you can save each month, enter this amount on your worksheet as one of your permanent expenditures. Pay yourself first by setting aside your savings when you receive your paycheck,
before you have a chance to spend the money on anything else. It helps to have savings automatically deducted from your paycheck or checking account. Don’t get discouraged if an emergency cuts into your savings. Just get
back on track the following month.
| Other Ways to Build Your Financial Freedom Social Security. You’ve paid into it most of your life, so don’t forget to include it in your financial planning. The income you receive when you reach the eligibility age (e.g., 65) is based on the average of your 35 highest salary years. You also can collect 80% of your benefit at age 62. If you die, your spouse may be entitled to your benefits. The age at which you can collect full benefits is currently scheduled to increase gradually to 67. You can check the record of your earnings and get a statement of your anticipated benefits by calling Social Security at 800/772-1213. Life Insurance. Life insurance can help to financially protect your loved ones in the event of your death. It’s important if you are married and even more important if you have dependent children. There are several types of life insurance: Term life insurance pays a fixed amount of money to your beneficiary if you die during the term of the policy. The cost of premiums increases as you get older. Whole life insurance is permanent insurance that provides a death benefit that is guaranteed for the insured's life as long as premiums are paid. Participating policies may pay dividends that can increase the policy's cash value, but they are not guaranteed. Universal life insurance is considered a variation of whole life insurance with more flexibility. Within limits, the policy owner determines the amount and frequency of his or her premium payments and is permitted to adjust the policy face amount up or down to reflect changes in his or her needs. As premiums are paid and cash values accumulate, interest is credited to the policy's accumulation fund. Variable Life Insurance is similar to universal life in that there is flexibility in connection with premium payments and death benefits. However, with variable life, premium payments are held in separate accounts, and the policy owner chooses how the cash value will be invested. Consequently, such a policy's cash value will fluctuate with the performance of the chosen investment portfolios. Health Insurance. Health coverage protects you in case of sickness or injury. Without it you run the risk of being financially wiped out by just one serious illness or accident. Most people receive subsidized health benefits through their employer, but coverage can also be purchased as an individual. Disability Insurance. This is probably one of the most overlooked forms of insurance for working-age people. Disability coverage replaces a portion of your income when you can't work because of illness or injury. Most policies replace 60% to 80% of your income. (You also may receive income from Social Security for certain disabilities, or from Workers Compensation if you are injured on the job.) If your employer provides a 60% disability policy, you might want to consider a supplemental policy covering 20% of your income. Long Term Care Insurance. Long Term Care insurance is designed to help pay for nursing home care, assisted living care or home health care expenses. This fast growing type of insurance can protect you and your assets against the high cost of long-term care. Most policies pay benefits when long-term care is prescribed by a physician as medically necessary or when someone can no longer physically or mentally take care of basic needs. Homeowners Insurance. Homeowners coverage protects your financial investment in your home. It provides compensation for damages to your home and its contents, and it may protect you from financial liability if someone is injured on your property. The extent and amount of coverage needed depends on your situation, but if you can afford it, it is wise to insure your home for 100% of its replacement cost. Auto Insurance. Auto insurance is more than a matter of insuring your vehicle for loss or repairs after an accident. It is a financial safety net that can help you offset the cost of bodily injuries to yourself or others, lost wages due to injury, and lawsuits brought against you as the result of an accident. Most states require the purchase of basic coverage and then you determine the additional insurance you need. Estate Planning. Another way to safeguard your family’s financial future is through estate planning. Generally, estate planning includes taking an inventory of your assets and making a will or establishing a trust, with an emphasis on minimizing taxes. Estate planning is very complex and subject to changing laws. You may want to seek professional advice. Do You Need a Financial Advisor? If you need help with your blueprint for the future, you may want to consult a financial advisor, a CPA or even a lawyer who can give you advice on everything from budgeting, taxes, retirement and estate planning to investments, insurance and real estate. Some financial advisors charge you no fee; instead they make a commission on the financial vehicles that they sell you. Other advisors are fee-only, which means they charge you for their services but do not make a commission on financial products you buy. Still others charge a fee for providing the financial plan and may also receive commissions if they sell you any products. Shop around and talk to several financial advisors. Be sure you feel comfortable with them and can understand their explanations. Ask for their credentials. One credential is a Certified Financial Planner (CFP) designation, which means the planner has taken a series of courses in financial planning, has passed an exam, has at least three years experience and takes continuing education courses each year. Other designations include Chartered Financial Consultant (ChFC), Certified Public Accountant (CPA) and Registered Financial Planner (RFP). Investment advisors and broker/dealers may also be regulated by the state. The Securities and Exchange Commission (SEC) regulates broker/dealers and some investment advisors. Individuals associated with these firms generally must pass certain licensing examinations. Brokers vs. Online Services If you plan to buy stocks or bonds as part of your investment portfolio, you will need to either choose a broker (full service or discount) or sign-up for an online service. A broker is a licensed professional who monitors investments and gives advice on stock purchases for a fee. The fee can be either a percentage of your portfolio or a per transaction fee. Brokers may also make commissions on some of the investments they sell. Before selecting a broker, make sure your candidate is part of the Securities Investor Protection Corporation (SIPC), a nonprofit corporation that can protect your interests up to $500,000 if the broker should become insolvent. Also call the National Association of Securities Dealers’ (NASD) toll-free hotline at 1-800/289-9999. The NASD can tell you if there has been any disciplinary action against a particular brokerage firm or sales representative. Discount brokerage houses generally have lower fees than those touted as full-service. They employ brokers who, primarily, are order takers and may, or may not, give investment advice. If you use a discount broker, be sure you are well-informed about stocks and can make your own investment decisions. Online services allow you to buy your own stocks, bonds, and mutual funds for significantly lowered fees, but not without risk. Although research is available, you are making your own investment decisions. Most online services provide varying levels of research, news and customer service. You should also become familiar with the online brokerage commission schedule and fees before joining or trading through an online service. Keep in mind, too, that some online services offer delayed quotes, others have real time quotes; some excel at customer service and, for others, it may be nonexistent. Online services have different levels of strengths so, again, be well-informed before using one. However you decide to buy stocks, from a full service broker, discount broker or online service, research each option carefully and make sure it meets your investment needs. Tips for Investors Shop around. Compare the products and fees of various banks, financial planners, brokers and investment houses. Ask questions. All investments carry some degree of risk, so you should fully understand what you are getting into. Ask for a written explanation of products, operations and fees. Educate yourself. Spend some time at your local library gathering information. Read investment and financial publications such as the Wall Street Journal, Barron's, Investor's Business Daily, Money, Smart Money, Forbes and the monthly Standard & Poor's Stock Reports. Moody's Investors Service also has manuals that contain financial information on thousands of companies. Get advice. A financial advisor, your accountant or tax advisor are all good sources of information to help you understand the choices you are making and what your risks will be. Make sure any salesperson or advisor understands your goals and how much risk you are willing to assume. Don't buy stocks or other investments pitched to you over the telephone. And never let a salesperson pressure you into acting immediately. Be suspicious if a salesperson promises a spectacular rate of return. If it seems too good to be true, it probably is. Don't put all your eggs in one basket. Diversification — distributing your money across different types of investments — is the key to sound investing. Never invest in a product you don't fully understand. Finally, re-evaluate your financial plan regularly. Also, stop and review your plan whenever you marry, divorce, have a child, buy a home or retire. For More Information |
FINANCIAL FREEDOM: A SMARTEST WAY TO PREPARE A BETTER FUTURE IS TO PLAN TODAY TO OBTAIN A COMPLETE FINANCIAL FREEDOM.tomorrow
| BUYING, SELLING, LEASING A PROPERTY IN SOUTH FLORIDA. PLEASE CALL A PROFESSIONAL REALTOR IMPORTANT TOOLS ARE NEEDED TO SUCCEED IN REAL ESTATE INVESTMENTS. The real estate market can be lucrative, but only if you are armed with information and skills to take advantages of wealth-creating opportunities. Come to see us or call us to learn what you need to know to become a successful real estate investor. We are well equipped to assist you! |
| YOUR PATH TO WEALTH STARTS RIGHT NOW. JUST TAKE ACTION! It's a fact: today, anyone can become a millionaire – In the history of the world, there has never been a better time to create wealth than right here, right now in real estate. What if you could get some expert help? What if you could learn the wealth building techniques, strategies and secrets of investments ? What if you could learn directly from experience professional. WWW.KNOWLEDGEFINANCIAL.COM |
| start building your fortune – and make – our expertise, our competence, and our experience work for you? ''REAL ESTATE SERVICES'' SOUTH FLORIDA, PLEASE CONTACT ANTHONY. ----------------------------------------------------- Attaining wealth is the result of effort and making good decisions. Some of the decisions are major, However, they are all important. Where do you turn for sound advice when making a decision that involves money? You could get advice from a team of mortgage and real estate experts dedicated to your success? |
| REAL ESTATE FINANCING IS AVAILABLE FOR INVESTORS AT VISION MORTGAGE BANK. MORTGAGE HOME LOANS, HOME REFINANCING, HOME EQUITY IS JUST SIMPLE AND EASY. WE'RE HERE TO GUIDE YOU, TO INFORM YOU, AND WE HAVE GREAT DESIRE TO HELP YOU FIND THE BEST MORTGAGE PRODUCT AT THE LOWEST RATE POSSIBLE! FOR SOUTH FLORIDA |
| FLORIDA REAL ESTATE: HOME BUYING, HOME SELLING, RENTING, LISTING. PLEASE CALL US HELP IS AVAILABLE TO HELP YOU OR SOMEONE YOU KNOW SELL A PROPERTY. WE SELL FAST, QUICK AND FOR THE TOP PRICE. ---CONTACT ANTONY AN EXPERIENCED PROFESSIONAL REALTOR--- FORTUNE INT. REALTY. |
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KNOWLEDGEFINANCIAL.COM
| Ten Resolutions to Make Your Financial Life Easier KNOWLEDGEFINANCIAL.COM Another year gone by, and where did it go? If yours was anything like mine, it went far too fast. Now we have a new one right around the corner. In the interest of saving time, while attending to those pesky financial chores that must be done, here are some tips for making your financial life simpler (and richer) next year. Resolve to: 1. Pay bills at warp speed. About ten seconds is what it took me to pay a bill online that would have taken me at least a few minutes if I had to dig out my checkbook, write a check, slap on a stamp, and take it to a postbox. You can pay bills online. The research shows it’s likely safer than paying offline, as long as you keep your computer free of spyware and viruses. Setting up automatic withdrawals each month is even faster, since you don’t even have to log on for a bill to be paid. But be careful: I once had to fight to reverse an $851 withdrawal for an erroneous phone bill. I like to schedule automatic withdrawals only for bills with a fixed payment each month. For the rest of my bills, I go online to authorize before I allow any money to come out of my account. 2. Keep two credit cards, and freeze the rest. You might not be able to tile your pool with your plastic like Martha Stewart did in her television commercial a few years ago, but if you are a “typical” American, you own a wallet full of plastic. Two major credit cards should be all your need. Use more, and you might miss a due date and get hit with a painfully expensive late fee. Using one credit card with a low interest rate for purchases you won’t pay off in full, and one with no fee (plus rewards) for those you will should be enough. 3. Create a system. Whether it’s an online financial organizer like Mvelopes, Quicken, or Microsoft Money, or just something as simple as a filing drawer and notebook designated for your finances, find a place to organize your paperwork… and start doing it! You’ll save a bunch of time when you don’t have to dig through stacks of papers to find that receipt or cancelled check. Tax time will be a lot easier as well. 4. Start saving. If you haven’t had the time or energy to start a savings account, pick a method – any method -- and get started. Sign up to have a small amount transferred from your checking account to a savings or money market account each month; start spending only paper money and save your coins each day in a jar until you have enough to deposit in the bank; get a piggybank; or get a credit card that helps you save. It’s one resolution you definitely won’t regret. 5. Stop doing it all. The most successful people in business find good people to work for them, then delegate the things that are not the best use of their time or skills. They check in to make sure things are running smoothly, but they focus their energy on more important tasks. The same goes for your financial life. Your team can include a great accountant, insurance broker, and financial planner. Help them understand where you want to go, then let their expertise help you get there. 6. Sweat the big stuff. You have put it off long enough. It’s time to get your will, living will and/or estate plan set up. Update beneficiaries if you haven’t done so recently. Then make a list of all your accounts and passwords in case something should happen to you . Be sure you have enough life insurance to protect your loved ones. Hopefully you will have a good, healthy year. But if things don’t go as planned, you want those important items checked off your to-do list. 7. Go ahead, change your mind. Psychologists have been tackling the secrets of happiness , and guess what? After a certain point, it’s not about money. (And that point is usually around $50,000 a year, not a million). If you’re tired of worrying about money, then resolve that above all, you’ll be happy, regardless of your bank account balance. After all, what is life about, anyway? Fortunately, there are great tools now to help you change your mind. Anything by Martin Seligman, Ph.D., can help, and I also love The Prosperity Game , a free online game where you get to spend virtual checks on anything you want (with no bill due, ever!). 8. Save a few trees. Call 1-888-OPT-OUT and get your name taken off the mailing list for pre-approved credit offers. Then cut out more junk mail with tips from Good Advice Press . Like getting a good spam filter for your email, you’ll feel better when you walk to the mailbox and don’t face a mountain of unwanted ads. 9. Buy less. Stay away from the mall, turn off the TV, and if possible, get your kids to do the same. You’ll find a lot fewer temptations calling your name. Your bank account will be healthier, your home less cluttered, and you will free up time for the things you really enjoy. 10. Take it one step at a time. My favorite self-help book of the year, One Small Step Can Change Your Life by Robert Maurer, Ph.D. advises you to stop trying to make major changes and start with simple ones. Anything you can do in one minute or one action is ideal. So as you go through this list, don’t get overwhelmed. For example, if the thought of spending an afternoon setting up online bill payments gives you a headache, don’t take it one step at a time. Resolve to just set up one account online. Instead of agonizing over making our your will, make your first step only to ask three friends for referrals to an attorney who can help. Keep it simple. Enjoy yourself, and take things easy. Those are resolutions most of us can stick with. |
| METHODS AND TECHNIQUES TO HELP YOU REALLY OBTAIN AN ULTIMATE FINANCIAL FREEDOM! Retrain Your Brain to Cut Debt and Build Wealth Why is changing our behavior so difficult? Why do we get stuck in a rut so often? Why do we make dumb choices with our money that seem so obvious in hindsight? Recently, I’ve had the opportunity to delve into a couple of terrific psychology books, and I’d like to offer a few insights I’ve gleaned from them. The first, Why Smart People Make Big Money Mistakes and How to Correct Them, by Gary Belsky and Thomas Gilovich, focuses on research in behavioral finance. The book provides some fascinating insight to why our financial behaviors often just don’t make sense – and what we can do about it. Insight #1: It’s all in your head…and that’s the problem. One of the big dangers to wealth building is something called “mental accounting.” It describes how we allocate our money in our mind and how that translates into (often irrational) behavior. Mental accounting explains why we will handle a bonus or windfall differently than a pay raise, and especially why we treat plastic money (credit cards and debit cards) differently than cash, or money from a paycheck. (In case you haven’t heard, the research shows that generally consumers spend more when they pay with plastic, as compared to cash.) Belsky and Gilovich use the example of income tax refunds to illustrate how mental accounting works. While receiving a big tax refund once in a while might be a fluke, receiving a large refund year after year is ridiculous. “ Why lend the government your money for free?” ask financial advisors every April. But that’s because those who do get a tax refund often enjoy it as if it were “found money” and spent it as a windfall, instead as the deferral of salary that it really is. If we were to correctly adjust our withholding, for example, we would probably use the money from our larger paychecks more carefully, and be less likely to splurge on whatever it is we decide we really “need” when that big refund check arrives. They even describe one study where recipients of a relatively small amount of unexpected cash spent twice as much as they received. In Why Smart People Make Big Money Mistakes, the authors warn: “Mental accounting helps to explain one of the great puzzles of personal finance – why people who don’t see themselves as reckless spenders can’t seem to save enough. The devil, as they say, is in the details….Being cost-conscious when making little purchases is where you can often rack up big savings.” The pendulum can swing the other way, too. With mental accounting, investors can become too conservative with their money and fail to take the appropriate level of risk. Strategy: Write down every dollar you spend, large and small, for a month. Recording purchases as soon as you make them will keep your list accurate. Remember, you are trying to get away from the bias of mental accounting. At the end of the month, add up your spending in each category, and look for places where you make changes. An alternative: Cash your paycheck in small bills and use envelopes to hold the cash for each expense category. When the money is gone for the month, you stop spending in that category. Also smart: The authors also suggest another strategy: Wait. Park a windfall, tax refund, or other unexpected cash in a bank account for three to six months. After that time has passed, you are more likely to see the balance as savings, rather than extra money to spend on a whim. Insight #2: “Some of the more serious and costly financial mistakes people make are the result of inaction.” That insight from the chapter titled “The Devil That You Know,” isn’t news to me. After all, on many occasions I have talked to someone in a financial bind and offered my advice, only to find that they are back six month later, having taken no action and finding themselves in a worse situation than the first time we talked. But the research behind the phenomenon of “decision paralysis” was interesting. Belsky and Gilovich attribute it to a number of factors, including the fear of regretting our choices and a comfort level with the status quo (even when our current situation isn’ t so hot). Another reason for decision paralysis, however, is the myriad choices we have today. Need help getting out of debt? There are probably at least 2,500 different firms offering solutions. Need a mortgage? Well, there is the decision of what type of mortgage: interest-only, 2/28 ARM, 30-year fixed, or a hundred other varieties. Then there is also the decision of who to get the mortgage through: your local bank, a mortgage broker, an online company. Is it any wonder we are overwhelmed? The research shows that more choices are not necessarily good, and can lead to inaction. I’ve been there many times, and chances are, so have you. Strategy: Acknowledge the cost of inaction. Start investing and you may lose money. But don’t invest and I guarantee you won’t have anything. In other words, just because you can’t do everything you want to do financially doesn’t mean you can’t do anything at all. Starting a $5 per week investment account or adding an extra $5 a week to paying down your debt is better than nothing. Also smart: Identify the experts and get their advice. Sometimes it is hard to see your situation clearly when you are bogged down in it. An objective voice from someone who understands the options can be helpful, especially if you act upon it. You’ve come to a great place to start! You can browse the Credit.com learning center or choose a life stage to find information tailored to your situation. Insight #3: Small Changes Can Make a Big Difference. One Small Step Can Change Your Life by Robert Maurer, Ph.D., was another eye-opener for me. Dr. Maurer bases his book on the principal of kaizen, small incremental changes known for helping the Japanese develop a thriving industrial base after WWII. He encourages us to: Ask Small Questions Think Small Thoughts Take Small Actions Solve Small Problems Together, he says, these actions can create radical change (over time). They work, he explains, because our brain is hard-wired to resist change. Even the prospect of a change can trigger our fight- or-flight response, which in turn shuts down creativity and thinking. Small changes allow us to bypass that automatic response and succeed in changing. When Maurer talks about small change, he means small. Can’t exercise? Start with one minute of marching in front of the television. Overeating? Throw the first bite of chocolate, or one French fry, away (I am working on the chocolate one!). It sounds a bit ridiculous at first, but the idea is to help rewire the connections in your brain so that it enjoys your small successes, and doesn’t interfere as you try to build upon them. Strategy: Overspending? Put one item back when you reach the check out line. Can’t save? Start by saving one dollar from your paycheck, or one dollar a day. Having trouble getting out of debt? Each day, ask yourself one small question: What is one small action I can take to reduce my debt? Your brain loves questions, says Maurer, and by posing those small questions frequently, you will put it to work coming up with solutions. Also Smart: Forget the lottery or “all or nothing” mentality. Maurer says you don’t need (or perhaps don’t even want) a radical idea to be successful. The Japanese completely reinvented their economy and work style with the principal of kaizen…one very small step at a time. You can too. |
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A step by step guide to gaining control
of your financial life.
Setting priorities
Here's help for the first -- and often the hardest -- step
in achieving your financial goals: deciding which goals
to pursue.
LESSON 2
Making a budget, saving money
How to bring your spending under control, so that you
get the most out of every dollar.
LESSON 3
Basics of banking and saving
Here's how to get the best banking services at the best
price, either online or off.
LESSON 4
Basics of investing
An introduction to making money in stocks, bonds and
mutual funds REIT'S, real estate.
LESSON 5
Investing in stocks
The market can be a great place to turn savings into
wealth -- or to lose your shirt. Here are some
fundamentals of investing wisely.
LESSON 6
Investing in mutual funds
It's a mutual-fund jungle out there. Here's how to create
a simple portfolio that works.
LESSON 7
Investing in bonds
Bonds can provide a steady and reasonably secure
income, while adding ballast to your portfolio--but only if
you really understand what you're buying.
LESSON 8
Buying a home
Owning your home is part of the American Dream, but if
you’re not prepared, buying it can be a nightmare. Here
are some fundamentals for buyers and sellers.
LESSON 9
Controlling debt
You've got to know when to hold debt--and when to fold
it. This lesson shows you how to accomplish your
financial goals by making debt work for you.
LESSON 10
Home Selling
WAYS TO SELL A PROPERTY FAST AND EASY FOR
THE TOP PRICE!
Selling a home is a big decision and requires a lot of
work. From getting the house ready to reviewing the
escrow papers, our helpful guide will walk you through
the process of selling your home.
INSURANCE
Health Insurance, Life Insurance, Home Insurance, Car
Insurance
Great things to know about insurance
Buying a car, Auto loans. Great things to know:
Buying a car is like no other shopping experience. The
choices seem to be endless. This lesson helps you
sort through your options.
FINANCIAL FREEDOM: A SMARTEST WAY TO PREPARE A
BETTER FUTURE. YOUR PATH TO WEALTH STARTS RIGHT
NOW.
It's a fact: today, anyone can become a millionaire
– In the history of the world, there has never been
a better time to create wealth than right here, right
now in real estate.
of your financial life.
Setting priorities
Here's help for the first -- and often the hardest -- step
in achieving your financial goals: deciding which goals
to pursue.
LESSON 2
Making a budget, saving money
How to bring your spending under control, so that you
get the most out of every dollar.
LESSON 3
Basics of banking and saving
Here's how to get the best banking services at the best
price, either online or off.
LESSON 4
Basics of investing
An introduction to making money in stocks, bonds and
mutual funds REIT'S, real estate.
LESSON 5
Investing in stocks
The market can be a great place to turn savings into
wealth -- or to lose your shirt. Here are some
fundamentals of investing wisely.
LESSON 6
Investing in mutual funds
It's a mutual-fund jungle out there. Here's how to create
a simple portfolio that works.
LESSON 7
Investing in bonds
Bonds can provide a steady and reasonably secure
income, while adding ballast to your portfolio--but only if
you really understand what you're buying.
LESSON 8
Buying a home
Owning your home is part of the American Dream, but if
you’re not prepared, buying it can be a nightmare. Here
are some fundamentals for buyers and sellers.
LESSON 9
Controlling debt
You've got to know when to hold debt--and when to fold
it. This lesson shows you how to accomplish your
financial goals by making debt work for you.
LESSON 10
Home Selling
WAYS TO SELL A PROPERTY FAST AND EASY FOR
THE TOP PRICE!
Selling a home is a big decision and requires a lot of
work. From getting the house ready to reviewing the
escrow papers, our helpful guide will walk you through
the process of selling your home.
INSURANCE
Health Insurance, Life Insurance, Home Insurance, Car
Insurance
Great things to know about insurance
Buying a car, Auto loans. Great things to know:
Buying a car is like no other shopping experience. The
choices seem to be endless. This lesson helps you
sort through your options.
FINANCIAL FREEDOM: A SMARTEST WAY TO PREPARE A
BETTER FUTURE. YOUR PATH TO WEALTH STARTS RIGHT
NOW.
It's a fact: today, anyone can become a millionaire
– In the history of the world, there has never been
a better time to create wealth than right here, right
now in real estate.
| WHAT GUIDELINES ARE REQUIRED FOR A MORTGAGE LOAN? Mortgages are used by individuals and businesses wishing to make large value purchase of real estate without payment the entire value of the purchase up front. Mortgages are also known as lien against property, or claims on property. Mortgage is a legal agreement that creates an interest in a real estate property between borrower and the lender. HOW TO UNDERSTAND THE HOME LOAN PROCESS? Understand that in order to finance or refinance a loan the lender requires documentation to verify and substantiate your employment, credit and financial situation to assure its investors that you have the ability to repay the MONEY HOME REFINANCING: 10 GREAT REASONS TO REFINANCE A PROPERTY. NOW IT'S THE BEST TIME FOR REFINANCING, THE INTEREST RATE IS VERY LOW. MORTGAGE LOAN MODIFICATION PROGRAMS; AN ALTERNATIVE TO REDUCE MONTHLY MORTGAGE PAYMENT, TO AVOID FORECLOSURE, TO SAVE YOUR CREDIT RATING, TO SAVE YOUR PROPERTY. REVERSE MORTGAGE NO MORTGAGE PAYMENTS EVER AGAIN: IF YOU OWNED A HOME AS YOUR PERSONAL RESIDENCE. TO IMPROVE YOUR QUALITY OF LIFE AND LIVE WITH NO STRESS! IF YOU'RE 62 YEARS OF AGE OR OLDER, YOU CAN ACHIEVE THIS, THROUGH A REVERSE MORTGAGE, REGULATED BY THE U.S. GOVERNMENT. FINANCING YOUR REAL ESTATE INVESTMENT; BUYING YOUR FIRST, SECOND, AND OR THIRD PROPERTY. HOW AND WHERE TO FIND MONEY? CLICK RIGHT HERE! FHA: F H A MORTGAGE LOANS, THE GOVERNMENT IS THERE TO HELP YOU PURCHASE YOUR HOME. PLEASE CONTACT US WE WILL SHOW YOU THE WAY . MORTGAGE LOAN PRE-QUALIFICATION, LOW INTEREST RATES, 8 Reasons to Get Pre-Approved for a Home Loan Learn why pre-approval is one of the smartest moves you can make when shopping for a home Subprime Mortgage  A type of mortgage that is normally made out to borrowers with lower credit ratings. As a result of the borrower's lowered credit rating, a conventional mortgage is not offered because the lender views the borrower as having a larger-than- average risk of defaulting on the loan. FINANCING YOUR REAL ESTATE INVESTMENT; BUYING YOUR FIRST, SECOND, AND OR THIRD PROPERTY. HOW AND WHERE TO FIND MONEY? CLICK RIGHT HERE! RENTAL PROPERTY / COMMERCIAL REAL ESTATE / COMMERCIAL LEASE Tips for Making Solid Business Agreements and Contracts |
| FORECLOSURE INVESTMENT The Time is Now to Profit from Foreclosure A “Perfect Storm” of events has made investing in foreclosure properties better than ever - and now’s the time for you to profit... THE HOME BUYING GUIDE!--------------------IMPORTANT THINGS TO KNOW BEFORE BUYING... The home-buying process doesn't need to be scary. Our step-by-step guide will walk you through the process and answer your questions on what you should expect from us as your realtor, where to look for loans, and what to watch out for when closing the deal. HOME SELLING: WAYS TO SELL A PROPERTY FAST AND EASY FOR THE TOP PRICE! Selling a home is a big decision and requires a lot of work. From getting the house ready to reviewing the escrow papers, our helpful guide will walk you through the process of selling your home. SHORT SALE: REAL ESTATE INVESTMENT OPPORTUNITY FOR ALL SHORT SALE allows you to buy as many properties as you want. Flip them, Hold them, Rent them, Refinance them and make profits. PRE-CONSTRUCTION, A GREAT WAY TO INVEST IN REAL ESTATE. BUT YOU HAVE TO KNOW THE SECRETS OF IT. Florida Real Estate for sale: Wonderful prices, great location,extraordinary view,very spacious. NO OTHER INVESTMENTS BUILD WEALTH LIKE REAL ESTATE! NOW REALLY IS A GREAT TIME TO BUY A PROPERTY: COMPETITIVE PRICES, LOW INTEREST RATES, MANY CHOICES COMMERCIAL REAL ESTATE; A BETTER WAY TO INVEST AND GET RICHER! MULTI-WAYS TO WIN BIG IN REAL ESTATE 1031 Exchange, Tax Saving Tips for Real Estate Investors and landlords Give Financial Advantage MIAMI REAL ESTATE: The Time is Now to Profit from Real Estate investing-- A “Perfect Storm” of events has made investing in Real Estate properties better than ever - and now’s the time for you to profit... CALL Mr. ANTONY AT: 786-709-6577 --- Fortune International Realty COMMERCIAL LEASE: Before you rent space for your business, be sure you understand these basic facts about commercial leases. Manufactured Homes, Mobile Homes, an Affordable Housing Alternative We are dedicated ourselves to helping bring prospective buyers of manufactured homes in contact with retailers who sell homes in their area. We aim to help buyers wade through the excess of information providing a simple directory that enables buyers to quickly and efficiently contact us to help them find the dealers in which they are interested. |
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| -Financial Service Company. What We Do, How we do it? EVERYTHING YOU WANT TO KNOW ABOUT INSURANCE & INVESTMENT.- -How to Become Wealthy? Nine Truths That Can Set You on the Path to Financial Freedom-- -AMERICAN DOLLAR: What are the letters, numbers, and symbols, the latin words mean? -Money Management- Counterfeit Combat: Defense Is in the Details. How to reconize and combat counterfeit money? -'INVESTMENT & FINANCE: METHODS, TECHNIQUES, AND STRATEGIES. WHERE, WHEN, HOW TO INVEST? -Banking And Finance Knowledge. The more you know the closer you are to accomplish great success.. -The Role of Money in Our Life THE ARCHITECTURE OF PROSPERITY -RICH GUIDE: WHY AREN'T YOU RICH? BUILDING FINANCIAL WEALTH, OBTAIN FINANCIAL FREEDOM, BECOME A RICH PERSON; YES YOU CAN. -Ten Resolutions to Make Your Financial Life Easier- Counterfeit Combat: Defense Is in the Details... |
| IF YOU NEED HELP TO SELL YOUR REAL ESTATE PROPERTY IN SOUTH FLORIDA; PLEASE SOUTH FLORIDA, CALL ANTONY A PROFESSIONAL REALTOR. AT: 786-6317740 -- F. I. R.-- CLIENTS COMPLETE SATISFACTION GUARANTEED ! HOME-SELLING -- -REAL ESTATE SERVICES-- HOME-BUYING -REAL ESTATE INFO.-' -TIPS FOR HOME BUYERS - 10 Home Buying Mistakes To Avoid - |
| IF YOU NEED HELP TO SELL YOUR REAL ESTATE PROPERTY IN SOUTH FLORIDA; PLEASE CALL Mr. ANTONY A PROFESSIONAL REALTOR. ! HOME-SELLING -- -' -REAL ESTATE SERVICES-- HOME-BUYING -- REAL ESTATE INFO.---- MORTGAGE LOANS INFO. -- '' 'INVESTMENT & FINANCE: METHODS, TECHNIQUES, AND STRATEGIES. WHERE, WHEN, HOW TO INVEST? |
| ''-Life Insurance Options, Benefits, Advantages & Profits'' What You Really Need To Know ''-INSURANCE INFO / As an Insurance Representative, I'm Pride Myself in Delivering Excellence Service With Maximum Satisfaction . I Work Diligently to Provide Superior Products For A Minimum Cost.- CALL ANTHONY THE INSURANCE REPRESENTATIVE AT: 786-631-7740- Be Properly Protected With a Good Life Insurance Policy. Affordable Life Insurance: Best Price, Best Plan With The Best Company. South Florida, Call Anthony At: 786-631 -7740 ---- Family Treasure; Life Insurance Can be a Great One. |
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''Save Smartly, Invest Wisely''---KNOWLEDGEFINANCIAL.COM
Managing Money - Budget Basics
Creating a Budget Doesn't Have to be Hard
For most people, the word “budget” conjures up thoughts of penny-pinching and the
unpleasant task of crunching numbers. This couldn’t be further from the truth. A budget is at
the cornerstone of a solid financial foundation, regardless of your situation, and it isn’t that
hard to do.
What is a Budget?
A budget is nothing more than a breakdown and plan of how much money you have coming in
and where it goes. Could you imagine a business becoming successful if it didn’t keep track of
its income and expenses? The same holds true when it comes to your personal finances. If
you don’t know how much money you have coming in and where it goes, your road to financial
success will be a difficult one.
--------------------
How to Become Wealthy -----KNOWLEDGEFINANCIAL.COM
Ten{10} Truths That Can Set You on the Path to Financial Freedom
#1: Change the Way You Think About Money
The general population has a love / hate relationship with wealth. They resent those who have
it, but spend their entire lives attempting to get it for themselves. The reason a vast majority of
people never accumulate a substantial nest egg is because they don't understand the nature
of money or how it works.
Cash, like a person, is a living thing. When you wake up in the morning and go to work, you are
selling a product - yourself (or more specifically, your labor). When you realize that every morning your assets
wake up and have the same potential to work as you do, you unlock a powerful key in your life. Each dollar
you save is like an employee. Over the course of time, the goal is to make your employees work hard, and
eventually, they will make enough money to hire more workers (cash). When you have become truly
successful, you no longer have to sell your own labor, but can live off of the labor of your assets. At this time
you become financially independent.
#2: Develop an Understanding of the Power of Small Amounts
The biggest mistake most people make is that they think they have to start with an entire
Napoleon-like army. They suffer from the "not enough" mentality; namely that if they aren't
making $1,000 or $5,000 investments at a time, they will never become rich. What these
people don't realize is that entire armies are built one soldier at a time; so too is their financial
arsenal.
#3''With Each Dollar You Save, You Are Buying Yourself Freedom.
#4''You Are Responsible for Where You Are in Your Life
#5''Instead of Buying the Products only, made by the company... Buy
the Stocks of the company!
Someone once asked me why they weren't wealthy. They always felt like they were putting money aside, yet
never seemed to get any further ahead. The answer is simple. I told them to stop buying the products
companies sell and start buying the company itself!
#6''27-30% of all the income the wealthy earned went into investments
and savings. That isn't a result of being rich, that is why they are rich. When the pain of getting out of
the bondage of financial slavery is greater than the pain of changing your spending habits, you will become
rich. Either change, or be content to live as you are.
Managing Money - Budget Basics
Creating a Budget Doesn't Have to be Hard
For most people, the word “budget” conjures up thoughts of penny-pinching and the
unpleasant task of crunching numbers. This couldn’t be further from the truth. A budget is at
the cornerstone of a solid financial foundation, regardless of your situation, and it isn’t that
hard to do.
What is a Budget?
A budget is nothing more than a breakdown and plan of how much money you have coming in
and where it goes. Could you imagine a business becoming successful if it didn’t keep track of
its income and expenses? The same holds true when it comes to your personal finances. If
you don’t know how much money you have coming in and where it goes, your road to financial
success will be a difficult one.
--------------------
How to Become Wealthy -----KNOWLEDGEFINANCIAL.COM
Ten{10} Truths That Can Set You on the Path to Financial Freedom
#1: Change the Way You Think About Money
The general population has a love / hate relationship with wealth. They resent those who have
it, but spend their entire lives attempting to get it for themselves. The reason a vast majority of
people never accumulate a substantial nest egg is because they don't understand the nature
of money or how it works.
Cash, like a person, is a living thing. When you wake up in the morning and go to work, you are
selling a product - yourself (or more specifically, your labor). When you realize that every morning your assets
wake up and have the same potential to work as you do, you unlock a powerful key in your life. Each dollar
you save is like an employee. Over the course of time, the goal is to make your employees work hard, and
eventually, they will make enough money to hire more workers (cash). When you have become truly
successful, you no longer have to sell your own labor, but can live off of the labor of your assets. At this time
you become financially independent.
#2: Develop an Understanding of the Power of Small Amounts
The biggest mistake most people make is that they think they have to start with an entire
Napoleon-like army. They suffer from the "not enough" mentality; namely that if they aren't
making $1,000 or $5,000 investments at a time, they will never become rich. What these
people don't realize is that entire armies are built one soldier at a time; so too is their financial
arsenal.
#3''With Each Dollar You Save, You Are Buying Yourself Freedom.
#4''You Are Responsible for Where You Are in Your Life
#5''Instead of Buying the Products only, made by the company... Buy
the Stocks of the company!
Someone once asked me why they weren't wealthy. They always felt like they were putting money aside, yet
never seemed to get any further ahead. The answer is simple. I told them to stop buying the products
companies sell and start buying the company itself!
#6''27-30% of all the income the wealthy earned went into investments
and savings. That isn't a result of being rich, that is why they are rich. When the pain of getting out of
the bondage of financial slavery is greater than the pain of changing your spending habits, you will become
rich. Either change, or be content to live as you are.
#7'' Study and Admire Success and Those Who Have Achieved It...
Then Emulate ItA very wise investor once said to pick the traits you admire and dislike the most about your
heroes, then do everything in your power to develop the traits you like and reject the ones you don't. Mold
yourself into who you want to become. You'll find that by investing in yourself first, money will begin to flow
into your life. Success and wealth beget success and wealth. You have to purchase your way into that
cycle, and you do so by building your army one soldier at a time and putting your money to work for you.
#8''Realize that More Money is All Not the Answer, More money is not going to solve all your problems.
Money is a magnifying glass; it will accelerate and bring to light your true habits. If you are a good person
then it makes become abetter one but if you are a bad one, it assurely it could make you become the worst
one.
Mentality of a generation
Unless Your Parents Were Wealthy, Don't Do What They DidThe definition
of insanity is doing the same thing over and over again and expecting a different result. If your parents
were not living the life you want to live then don't do what they did! You must break away from the mentality
of past generations if you want to have a different lifestyle than they had.
To achieve the financial freedom and success that your family may or may not have had, you have to do
two things. First, make a firm commitment to get out of debt. To find out which debts should be paid off
before you invest and those that are acceptable, Second, make saving and investing the highest financial
priority in your life; one technique is to pay yourself first.
#9''Don't Worry--The miracle of life is that it doesn't matter so much
where you are,
it matters where you are going. Once you have made the choice to take control back of your life by building
up your net worth, don't give a second thought to the "what ifs".
Every moment that goes by, you are growing closer and closer to your ultimate goal - control and freedom.
Every dollar that passes through your hands is a seed to your financial future. Rest assured, if you are
diligent and responsible, financial prosperity is an inevitability.
The day will come when you make your last payment on your car, your house, or whatever else it is you
owe. Until then, enjoy the process.
How Much of My Money Should Stay In Safe Investments?
#10''You need to keep enough money in liquid, safe investments to
cover, at a minimum, three to six months worth of living expenses. This
means if you need $3,000 per month to live comfortably, you need to have $9,000 - $15,000 in safe, liquid
investments like bank savings accounts or money market funds.
•The less secure your employment, the more money you want to keep in safe investments.
•The closer you are to retirement, the more money you want to keep in safe investments.
#11'' Money Lessons Of Investment
Be Cautious Of Illiquid Investments
Illiquid investments are not bad investments, but you should be cautious. If you have too much money in
illiquid investments it can limit flexibility. Some examples are real estate partnerships, private placements,
private equity investments, non-publicly traded REITs .
Illiquid investments may offer higher returns. The trade off: you cannot easily cash them in.
Illiquid means that although you will not pay a penalty to get out of them, it may take months, or years, to
cash in your interest in the investment.
#12''Avoid Investments That You Don’t Understand
A good investment can turn into a bad investment when you don't understand how it works. When you lack
understanding or knowledge, you're more likely to make an illogical decision.
If it sounds complicated, or you just don’t understand the investment, do one of two things.
1.Ask more questions. (If someone isn’t willing to provide plain English answers, than walk away.)
2.Or, just walk away.
Then Emulate ItA very wise investor once said to pick the traits you admire and dislike the most about your
heroes, then do everything in your power to develop the traits you like and reject the ones you don't. Mold
yourself into who you want to become. You'll find that by investing in yourself first, money will begin to flow
into your life. Success and wealth beget success and wealth. You have to purchase your way into that
cycle, and you do so by building your army one soldier at a time and putting your money to work for you.
#8''Realize that More Money is All Not the Answer, More money is not going to solve all your problems.
Money is a magnifying glass; it will accelerate and bring to light your true habits. If you are a good person
then it makes become abetter one but if you are a bad one, it assurely it could make you become the worst
one.
Mentality of a generation
Unless Your Parents Were Wealthy, Don't Do What They DidThe definition
of insanity is doing the same thing over and over again and expecting a different result. If your parents
were not living the life you want to live then don't do what they did! You must break away from the mentality
of past generations if you want to have a different lifestyle than they had.
To achieve the financial freedom and success that your family may or may not have had, you have to do
two things. First, make a firm commitment to get out of debt. To find out which debts should be paid off
before you invest and those that are acceptable, Second, make saving and investing the highest financial
priority in your life; one technique is to pay yourself first.
#9''Don't Worry--The miracle of life is that it doesn't matter so much
where you are,
it matters where you are going. Once you have made the choice to take control back of your life by building
up your net worth, don't give a second thought to the "what ifs".
Every moment that goes by, you are growing closer and closer to your ultimate goal - control and freedom.
Every dollar that passes through your hands is a seed to your financial future. Rest assured, if you are
diligent and responsible, financial prosperity is an inevitability.
The day will come when you make your last payment on your car, your house, or whatever else it is you
owe. Until then, enjoy the process.
How Much of My Money Should Stay In Safe Investments?
#10''You need to keep enough money in liquid, safe investments to
cover, at a minimum, three to six months worth of living expenses. This
means if you need $3,000 per month to live comfortably, you need to have $9,000 - $15,000 in safe, liquid
investments like bank savings accounts or money market funds.
•The less secure your employment, the more money you want to keep in safe investments.
•The closer you are to retirement, the more money you want to keep in safe investments.
#11'' Money Lessons Of Investment
Be Cautious Of Illiquid Investments
Illiquid investments are not bad investments, but you should be cautious. If you have too much money in
illiquid investments it can limit flexibility. Some examples are real estate partnerships, private placements,
private equity investments, non-publicly traded REITs .
Illiquid investments may offer higher returns. The trade off: you cannot easily cash them in.
Illiquid means that although you will not pay a penalty to get out of them, it may take months, or years, to
cash in your interest in the investment.
#12''Avoid Investments That You Don’t Understand
A good investment can turn into a bad investment when you don't understand how it works. When you lack
understanding or knowledge, you're more likely to make an illogical decision.
If it sounds complicated, or you just don’t understand the investment, do one of two things.
1.Ask more questions. (If someone isn’t willing to provide plain English answers, than walk away.)
2.Or, just walk away.
#14''Don’t Put All Your Money in the Same Type of
Investment --KNOWLEDGEFINANCIAL.COM
Anyone who recommends you put ALL of your money in any of the following investments is
giving you bad investment advice.
•Annuities – Annuities can offer guarantees that may be important to you. However, if someone
recommends you put all your money, both taxable money and tax deferred money (such as IRA
accounts), into annuities, this is not wise.
•REIT’s – A REIT is a Real Estate Investment Trust,
like a mutual fund that owns real estate, usually commercial or retail real estate. Some REIT’s
are great investments. However, when I see a client who has put their entire IRA account, for
example, into a single REIT, this is not a wise move.
•Tax Deferred Accounts – You want to build a balance between tax deferred
accounts (such as IRA or 401k accounts) and after tax money. If all your money is in tax
deferred accounts, it can come back to hurt you.
#14''Ways A Custodian Protects You From Investment Fraud
Investment Fraud And Rogue Advisors Can Be Avoided By Using A Custodian
There is one simple, almost sure-fire way, to prevent investment fraud .
Use only investment advisors that use large, reputable custodians to handle your assets.
Reduced Opportunity For Investment Fraud
Since your investment advisor does not have custody of your assets this means they never
directly handle your checks, deposits, or withdrawals. This reduces the opportunity for fraud.
When an investment advisor uses a custodian although the advisor can direct withdrawals to
be made, those withdrawals must be direct deposited to another account of yours, or sent by
check to your address on file.
Ask The Following 4 Questions To Avoid Investment Fraud
1.Who is the custodian of my assets?
2.What type of fraud detection technology does the
custodian have in place?
3.What type of insurance does the custodian provide if fraud
does occur?
4.Who generates my account statements?--------------------
Secrets of the Capitalist Class
They Diversify Income Sources as Well as Assets, a big
different between rich and poor: the rich invest their income
and spend thes rest; the poor spend their income and invest
the rest. nothing really left to invest.
The Capitalist Class Prefers Passive Income Over Active
Income
Passive income can come from sources as varied as:
•Rent from real estate properties
•Patent royalties for an invention
•Trademark licensing fees for characters or brands you’ve created
•Royalties from books, songs, publications, or other original works
•Profits from businesses in which you have little or no day-to-day role or
responsibility
•Earnings from Internet advertisements on a blog or website you own
•Dividends from stocks, REITs, equity mutual funds, or other equity securities
•Interest from owning bonds, certificates of deposit, other other cash and cash
equivalents
•Pensions
•Residual income for a sales person on accounts that are typically renewed
automatically such as a sporting goods representative that earns a commission
on his accounts, bringing in a few thousand dollars per store per year for simply
servicing the customers once they have been opened
KNOWLEDGEFINANCIAL.COM
Investment --KNOWLEDGEFINANCIAL.COM
Anyone who recommends you put ALL of your money in any of the following investments is
giving you bad investment advice.
•Annuities – Annuities can offer guarantees that may be important to you. However, if someone
recommends you put all your money, both taxable money and tax deferred money (such as IRA
accounts), into annuities, this is not wise.
•REIT’s – A REIT is a Real Estate Investment Trust,
like a mutual fund that owns real estate, usually commercial or retail real estate. Some REIT’s
are great investments. However, when I see a client who has put their entire IRA account, for
example, into a single REIT, this is not a wise move.
•Tax Deferred Accounts – You want to build a balance between tax deferred
accounts (such as IRA or 401k accounts) and after tax money. If all your money is in tax
deferred accounts, it can come back to hurt you.
#14''Ways A Custodian Protects You From Investment Fraud
Investment Fraud And Rogue Advisors Can Be Avoided By Using A Custodian
There is one simple, almost sure-fire way, to prevent investment fraud .
Use only investment advisors that use large, reputable custodians to handle your assets.
Reduced Opportunity For Investment Fraud
Since your investment advisor does not have custody of your assets this means they never
directly handle your checks, deposits, or withdrawals. This reduces the opportunity for fraud.
When an investment advisor uses a custodian although the advisor can direct withdrawals to
be made, those withdrawals must be direct deposited to another account of yours, or sent by
check to your address on file.
Ask The Following 4 Questions To Avoid Investment Fraud
1.Who is the custodian of my assets?
2.What type of fraud detection technology does the
custodian have in place?
3.What type of insurance does the custodian provide if fraud
does occur?
4.Who generates my account statements?--------------------
Secrets of the Capitalist Class
They Diversify Income Sources as Well as Assets, a big
different between rich and poor: the rich invest their income
and spend thes rest; the poor spend their income and invest
the rest. nothing really left to invest.
The Capitalist Class Prefers Passive Income Over Active
Income
Passive income can come from sources as varied as:
•Rent from real estate properties
•Patent royalties for an invention
•Trademark licensing fees for characters or brands you’ve created
•Royalties from books, songs, publications, or other original works
•Profits from businesses in which you have little or no day-to-day role or
responsibility
•Earnings from Internet advertisements on a blog or website you own
•Dividends from stocks, REITs, equity mutual funds, or other equity securities
•Interest from owning bonds, certificates of deposit, other other cash and cash
equivalents
•Pensions
•Residual income for a sales person on accounts that are typically renewed
automatically such as a sporting goods representative that earns a commission
on his accounts, bringing in a few thousand dollars per store per year for simply
servicing the customers once they have been opened
KNOWLEDGEFINANCIAL.COM
| The Capitalist Class Understands the Nature of Money ----KNOWLEDGEFINANCIAL.COM The poor and working class see money as a finite commodity; there is only so much and then you spend it until there is none left. The rich members of the capitalist class know the truth: Money is like a seed. The same principles that farmers have been using regarding sewing and reaping to provide food for thousands of years hold fast for money. Each dollar that comes in to your hand has the potential to be planted, grow, and expand into far more money. It's no different than a farmer growing corn. You can either eat your seed, or plant your seed. One gives you satisfaction today; the other can feed your family for generations. The Capitalist Class Doesn't Care What the Market Does. They always ready to take advantage of it, buy low sell high. The great warrent buffet said: Be greedy when others are fearful and be fearful when others are greedy''! The Capitalist Class Understands Taxes The average person doesn't bother to read the tax rules or pay to have good accountants. It is more than possible to save substantially on taxes by learning the regulations the IRS makes available in easy to download documents on the official website. The Capitalist Class Thinks of Business as a Game The middle class often has an almost perverse relationship with money. From the time students leave college, they are told to get a good, "secure" job with benefits, fear stock market fluctuations, and spend their money on assets that depreciate such as cars and consumer electronics. For the capitalist class, business and money are merely tokens - tangible proof that they have succeeded. The Capitalist Class Realizes Money is a Fungible Commodity A defining characteristic of the capitalist class is that they treat money as a fungible commodity. This manifests itself in several ways. •Members of the capitalist class don't care if they earn their profits from non-sexy businesses such as trash hauling, storage units, or plumbing services. The middle class often does care by treating family members that are lawyers or doctors with more respect because of how they earn their money. •When raising capital to start or expand a business, members of the capitalist class don't care where the money comes from, only the terms and cost of the funds. They will often approach banks, private equity groups, or even insurance companies! The middle class heads to one, or maybe two, local banks and if the answer is "no", simply stops trying. •The capitalist class doesn't compartmentalize money like the middle class does. Members of the middle class who are drowning in credit card debt will often use unexpected bonuses or tax rebates for vacations or other perks. The capitalist class sees every dollar as a dollar and puts it toward its greatest use. |
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⌂ Home ANTONY Avatar ANTONY ⚙ Help Press ? for keyboard shortcuts. 1 Wealth Creation The Capitalism Site The public company was never meant to be a bureaucracy run by distant managers accountable to funds run by computers. The activist revolt will help give it a new lease of life. AS INVENTIONS go, the public company is one of capitalism’s greatest. Initial public public company is one of capitalism’s greatest. Initial public offerings promote innovation, by providing an exit route for entrepreneurs; being listed makes a firm open to scrutiny; and ordinary people have a chance to invest in capitalism’s wealth-creating machines. ======= Institutional investors prefer to sell at the first sign of trouble rather than manage problems Hedge funds take small, big stakes in firms and act like political campaigners, trying to win other shareholders’ support for their demands: representation on companies’ boards, cost-cutting, spin-offs and returning cash to shareholders. In the face of Wall Street’s provocateurs, America’s lazy money is waking up. Whether their ideas are barmy or brilliant, the activists make it harder for investors to stay on the sidelines. Mutual funds and pension funds are being forced to take a view, and hence become more active and forward- looking. ======= The public company was never meant to be a bureaucracy run by distant managers accountable to funds run by computers. The activist revolt will help give it a new lease of life. Small businesses in America are the lifeblood of the American economy and the capitalism system. Once they start having problems, the entire system start to shake. ======== What is Capitalism? Capitalism is a social system based on the principle of free market, Free enterprise" Money, capital, and accumulation'' Money is primarily a standardized medium of exchange, and final means of payment, that serves to measure the value of all goods and commodities in a standard of value. It is an abstraction of economic value and medium of exchange that eliminates the cumbersome system of barter by separating the transactions involved in the exchange of products, thus greatly facilitating specialization and trade through encouraging the exchange of commodities. Capitalism involves the further abstraction of money into other exchangeable assets and the accumulation of money through ownership, exchange, interest and various other financial instruments. ====== Capital and financial markets The defining feature of capitalist markets, in contrast to markets and exchange in pre-capitalist societies like feudalism, is the existence of a market for capital goods (the means of production), meaning exchange-relations (business relationships) exist within the production process. Additionally, capitalism features a market for labor. This distinguishes the capitalist market from pre-capitalist societies which generally only contained market exchange for final goods and secondary goods. The "market" in capitalism refers to capital markets == for the buying and selling of long-term debt or equity-backed securities. These markets channel the wealth of savers to those who can put it to long-term productive use, such as companies or governments making long-term investments And financial markets.// Within the financial sector, the term "financial markets" is often used to refer just to the markets that are used to raise finance: for long term finance, the Capital markets; for short term finance, the Money markets.. Financial markets attract funds from investors and channel them to corporations—they thus allow corporations to finance their operations and achieve growth. Money markets allow firms to borrow funds on a short term basis, while capital markets allow corporations to gain long-term funding to support expansion (known as maturity transformation). ====== Government raising money on the primary markets When a government wants to raise long term finance it will often sell bonds to the capital markets. In the 20th and early 21st century, many governments would use investment banks to organize the sale of their bonds. The leading bank would underwrite the bonds, and would often head up a syndicate of brokers, some of whom might be based in other investment banks. ======== Company raising money on the primary markets When a company wants to raise money for long term investment, one of its first decisions is whether to do so by issuing bonds or shares. If it chooses shares, it avoids increasing its debt, and in some cases the new shareholders may also provide non monetary help, such as expertise or useful contacts. On the other hand, a new issue of shares can dilute the ownership rights of the existing shareholders ====== Trading on the secondary markets Most capital market transactions take place on the secondary market. On the primary market, each security can be sold only once, and the process to create batches of new shares or bonds is often lengthy due to regulatory requirements. On the secondary markets, there is no limit on the number of times a security can be traded, and the process is usually very quick. With the rise of strategies such as high-frequency trading, a single security could in theory be traded thousands of times within a single hour.. ======== Types of capitalism There are many variants of capitalism in existence that differ according to country and region. They vary in their institutional makeup and by their economic policies. The common features among all the different forms of capitalism is that they are based on the production of goods and services for profit, predominately market-based allocation of resources, and they are structured upon the accumulation of capital. The major forms of capitalism are listed below: ===== Free-market economy Free-market economy refers to a capitalist economic system where prices for goods and services are set freely by the forces of supply and demand and are allowed to reach their point of equilibrium without intervention by government policy. It typically entails support for highly competitive markets, private ownership of productive enterprises. Laissez-faire is a more extensive form of free-market economy where the role of the state is limited to protecting ====== Book: The Protestant Ethic and the Spirit of Capitalism Influenced the development of capitalism. Religious devotion, Weber argues, is usually accompanied by a rejection of worldly affairs, including the pursuit of wealth and possessions. To illustrate his theory: ====== Capitalist Economic System A Capitalist economic system is one characterised by free markets and the absence of government intervention in the economy. In practice a capitalist economy will need some government intervention from time to time, primarily to protect private property. ===== Inequality. Capitalist economic systems invariably lead to inequalities of wealth and income. However, it is argued that this inequality provides an incentive for wealth generation and economic growth. Monopoly. In a capitalist society, firms could gain monopoly power over consumers and workers. Environmental problems. A capitalist society driven by the profit motive may take decisions to maximise economic income in the short term, but at a cost of environmental problems in the long-term. Alternatives A Capitalist economic system is often contrasted to a socialist or communist economic system which sometimes called command economy where economic decisions are made centrally by government agencies. ======== What is Capitalism? The word capitalism is now quite commonly used to describe the social system in which we now live. It is also often assumed that it has existed, if not forever, then for most of human history. In fact, capitalism is a relatively new social system - ====== Class division Capitalism is the social system which now exists in all countries of the world. Under this system, the means for producing and distributing goods (the land, factories, technology, transport system etc) are owned by a small minority of people. We refer to this group of people as the capitalist class. The majority of people must sell their ability to work in return for a wage or salary - ============ The working class are paid to produce goods and services which are then sold for a profit. The profit is gained by the capitalist class because they can make more money selling what we have produced than we cost to buy on the labour market. - ======== The profit motive In capitalism, the motive for producing goods and services is to sell them for a profit, not to satisfy people's needs. The products of capitalist production have to find a buyer, of course, but this is only incidental to the main aim of making a profit, of ending up with more money than was originally invested -======= |
⌂ Home ANTONY Avatar ANTONY ⚙ Help Press ? for keyboard shortcuts. 1 ======= Capitalism = free market? It is widely assumed that capitalism means a free market economy. But it is possible to have capitalism without a free market. The systems that existed in the U.S.S.R and exist in China and Cuba demonstrate this. These class-divided societies are widely called 'socialist'. - ====== The Pyramid of Capitalist System is a common name.. Pyramid of Capitalist System The Pyramid of Capitalist system: The Pyramid of Capitalist System” was a popular poster that was first printed in In 1911, to graphically illustrate the place of the worker at the bottom of a capitalist society, while supporting all levels above. ====== Payday loan businesses advertise their services in Phoenix on April 7, 2010. (Ross D. Franklin/AP) == ======= 'Primary Market' The primary markets are where investors can get first crack at a new security issuance. The issuing company or group receives cash proceeds from the sale, which is then used to fund operations or expand the business. Exchanges have varying levels of requirements which must be met before a security can be sold. =========== |
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