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The Successful Investment
Journey

The most successful investors were not made in one day. Learning the ins and
outs of the financial world - and your personality as an investor - takes time and
patience, not to mention trial and error. In this article, we'll lead you through the
first seven steps of your expedition into investing and show you what to look out for
along the way.

1. Getting Started

. Know What Works
Read books or take an investment course that deals with modern financial ideas.
The people who came up with theories such as portfolio optimization,
diversification and market efficiency received their Nobel prizes for good reason.
Investing is a combination of science (financial fundamentals) and art (qualitative
factors). Science, however, is a solid place to start and should not be ignored. But
don't fret if science is not your strong suit: there are many texts, such as "Stocks
For The Long Run" (1994) by Jeremy Siegel, that explain high-level finance
ideas in a way that is easy to understand.

Know what works in the market, you can come up with simple rules that work for
you. For example, Warren Buffett is one of the most successful investors ever. His
simple investment style is summed up in this well-known quote: "If I cannot
understand it, I will not invest in it." It has served him well. While he missed the
tech upturn, he avoided the subsequent devastating downturn of the high-tech
bubble of 2000.

3
. Know Yourself
Nobody knows you and your situation better than you do. Therefore, you may be
the most qualified person to do your own investing - all you need is a bit of help.
Identify the personality traits that can assist you or prevent you from investing
successfully and manage them accordingly.

4. Know Your Friends and Enemies
Your friends may be reliable investment books, reputable media and investment
professionals with experience, long-term perspective and integrity. However,
beware of false friends who only pretend to be on your side, such as certain
unscrupulous investment professionals whose interests may conflict with yours.
You must also remember that as an investor, you are competing with large
financial institutions that have more resources, including greater and faster
access to information.

Bear in mind that you are potentially your own worst enemy. Depending on your
personality, strategy and particular circumstances, you may be sabotaging your
own success. If you are a guardian and you see all your friends making a ton of
money in the short term on the latest market craze, you would likely be going
against your personality if you joined in . Because you are risk averse and a
wealth preserver, you would be affected far more by large losses that can result
from high-risk, high-return investments. Be honest with yourself - identify and
modify factors that are preventing you from investing successfully or are moving
you away from your comfort zone.

5
. Find the Right Path
Your level of knowledge, personality and resources should determine the path that
you choose. Generally, investors adopt one of the following strategies:

Don't put all of your eggs in one basket. In other words, diversify.
Put all of your eggs in one basket, but watch your basket carefully.
Combine both of these strategies by making tactical bets on a core passive
portfolio.
Most successful investors start with low-risk diversified portfolios and gradually
learn by doing. As investors gain greater knowledge over time, they become better
suited to taking a more active stance in their portfolios (i.e. tactical bets).

6.
Be Disciplined
Sticking with the optimal long-term strategy may not be the most exciting
investing choice. However, your chances of success increase if you stay the
course without letting your emotions, or "false friends", get the upper hand.

7.
Be Willing to Learn
The market is hard to predict but one thing is certain: it will be volatile. Learning
to be a successful investor is a gradual process and the investment journey is
typically a long one. At times, the market will prove you wrong - acknowledge it
and learn from your mistakes. When you succeed, celebrate.

Conclusion
What you achieve as an investor will depend on your goals, but sticking to these
seven simple steps will help keep you on the right path. Bon voyage!
Ten Tips For The Successful Long-Term
Investor

While it may be true that in the stock market there is no rule without an
exception, there are some principles which are tough to dispute. We'll
review 10 general principles to help investors get a better grasp of how to
approach the market from a long-term view. Keep in mind that these
guidelines are quite general, each with different applications depending
on the circumstance. But every point embodies some fundamental
concept every investor should know.


1) Sell the losers and let the winners ride! - Time and time again,
investors take profits by selling their appreciated investments, but they
hold onto stocks that have declined in hopes of a rebound. If an investor
doesn't know when it's time to let go of hopeless stocks, he or she can, in
the worst-case scenario, see the stock sink to the point where it is almost
worthless. Of course, the idea of holding onto high-quality investments
while selling the poor ones is great in theory, but hard to put into practice.
The following information might help

2) Don't chase the "hot tip" - Whether the tip comes from your brother,
cousin, neighbor, or even broker, no one can ever guarantee what a stock
will do. When you make an investment, it's important you know the
reasons for doing so: do your own research and analysis of any company
before you even consider investing your hard earned money. Relying on a
tidbit of information from someone else is not only an attempt at taking
the easy way out, it's also a type of gambling. Sure, with some luck, tips
may sometimes pan out. But they will never make you an informed
investor, which is what you need to be to be successful in the long run.

3) Don't sweat the small stuff - In tip No.1, we explained the importance of
realizing when your investments are not performing as you expected them
to - but remember to expect short-term fluctuations. As a long-term
investor, you shouldn't panic when your investments experience short-term
movements. When tracking the activities of your investments, you should
look at the big picture. Remember to be confident in the quality of your
investments rather than nervous about the inevitable volatility of the short
term. Also, don't overemphasize the few cents difference you might save
from using a limit versus market order.

Granted, active traders will use these day-to-day and even minute-to-
minute fluctuations as a way to make gains. But the gains of a long-term
investor come from a completely different market movement - the one
that occurs over many years - so keep your focus on developing your
overall investment philosophy by educating yourself.

4) Do not overemphasize the P/E ratio - Investors often place too much
importance on the P/E ratio. Because it is one key tool among many,
using only this ratio to make buy or sell decisions is dangerous and ill-
advised. The P/E ratio must be interpreted within a context, and it should
be used in conjunction with other analytical processes. So, a low P/E
ratio doesn't necessarily mean a security is undervalued, nor does a high
P/E ratio necessarily mean a company is overvalued.

Resist the lure of penny stocks - A common misconception is that there is
less to lose in buying a low-priced stock. But whether you buy a $5 stock
that plunges to $0 or a $75 stock that does the same, either way you'd still
have a 100% loss of your initial investment. A lousy $5 company has just
as much downside risk as a lousy $75 company. In fact, a penny stock is
probably riskier than a company with a higher share price, which would
have more regulations placed on it.

6) Pick a strategy and stick with it - Different people use different methods
to pick stocks and fulfill investing goals. There are many ways to be
successful and no one strategy is inherently better than any other.
However, once you find your style, stick with it. An investor who flounders
between different stock-picking strategies will probably experience the
worst, rather than the best, of each. Constantly switching strategies
effectively makes you a market timer, and this is definitely territory most
investors should avoid. Take Warren Buffett's actions during the dotcom
boom of the late '90s as an example. Buffett's value-oriented strategy had
worked for him for decades, and - despite criticism from the media - it
prevented him from getting sucked into tech startups that had no earnings
and eventually crashed.

7) Focus on the future - The tough part about investing is that we are
trying to make informed decisions based on things that are yet to happen.
It's important to keep in mind that even though we use past data as an
indication of things to come, it's what happens in the future that matters
most.

A quote from Peter Lynch's book "One Up on Wall Street" about his
experience with Subaru demonstrates this: "If I'd bothered to ask myself,
'How can this stock go any higher?' I would have never bought Subaru
after it already went up twenty fold. But I checked the fundamentals,
realized that Subaru was still cheap, bought the stock, and made
sevenfold after that." The point is to base a decision on future potential
rather than on what has already happened in the past.

8) Investors adopt a long-term perspective - Large short-term profits can
often entice those who are new to the market. But adopting a long-term
horizon and dismissing the "get in, get out and make a killing" mentality is
a must for any investor. This doesn't mean that it's impossible to make
money by actively trading in the short term. But, as we already
mentioned, investing and trading are very different ways of making gains
from the market. Trading involves very different risks that buy-and-hold
investors don't experience. As such, active trading requires certain
specialized skills.

Neither investing style is necessarily better than the other - both have their
pros and cons. But active trading can be wrong for someone without the
appropriate time, financial resources, education and desire.  Most people
don't fit into this category.

9) Be open-minded when selecting companies - Many great companies
are household names, but many good investments are not household
names (and vice versa). Thousands of smaller companies have the
potential to turn into the large blue chips of tomorrow. In fact, historically,
small-caps have had greater returns than large-caps: over the decades
from 1926-2001, small-cap stocks in the U.S. returned an average of
12.27% while the S&P 500 returned 10.53%.

This is not to suggest that you should devote your entire portfolio to small-
cap stocks. Rather, understand that there are many great companies
beyond those in the Dow Jones Industrial Average, and that by neglecting
all these lesser-known companies, you could also be neglecting some of
the biggest gains.

10) Taxes are important, but not that important - Putting taxes above all
else is a dangerous strategy, as it can often cause investors to make poor,
misguided decisions. Yes, tax implications are important, but they are a
secondary concern. The primary goals in investing are to grow and secure
your money. You should always attempt to minimize the amount of tax
you pay and maximize your after-tax return, but the situations are rare
where you'll want to put tax considerations above all else when making an
investment decision .

Conclusion
In this article, we've covered 10 solid tips for long-term investors. We
started off saying that there is an exception to every rule, and we can't
overemphasize this point. Depending on your circumstances, you might
even disagree with some of these pointers. However, we hope that the
common sense principles we've discussed benefit you overall and provide
some insight into how you should think about investing.
''Having A Plan: The Basis Of
Success''-

Any veteran market player will tell you,
it's vital to have a plan of attack
. Formulating the
plan is not particularly difficult, but sticking to it, especially when all
other indicators seem to be against you, can be. This article will show
why a plan is crucial, including what can happen without one, what to
consider when formulating one as well as the investment vehicle
options that best suit you and your needs.


The Benefits
As the " if you can grit your teeth and stay the course regardless of
popular opinion, prevailing trends or analysts' forecasts, and focus on
the long-term goals and objectives of your investment plan, you will
create the best circumstances for realizing solid growth for your
investments.

Maintain Focus
By their very nature, financial markets are volatile. Throughout the last
century, they have seen many ups and downs, caused by inflation,
interest rates, new technologies, recessions and business cycles. In
the late 1990s, a great bull market pushed the Dow Jones Industrial
Average (DJIA) up 300% from the start of the decade.

This was a period of low interest rates and inflation and increased
usage of computers - all of these fueled economic growth. The period
between 2000 and 2002, on the other hand, saw the DJIA drop 38%. It
began with the bursting of the internet bubble, which saw a massive
sell-off in tech stocks and kept indexes depressed until mid-2001,
during which there was a flurry of corporate accounting scandals as
well as the September 11th attacks, all contributing to weak market
sentiment.

Amid such a fragile and shaky environment, it's crucial for you to keep
your emotions in check and stick to your investment plan. By doing so,
you maintain a long-term focus and thus assume a more objective
view of current price fluctuations. If an investor had let their emotions
be their guide near the end of 2002 and sold off all their positions,
they'd have missed a 44% rise in the Dow from late-2002 to mid-2005.

Sidestepping the Three Deadly
Sins
The three deadly sins in investing play off three major emotions: fear,
hope and greed. Fear has to do with selling too low - when prices
plunge, you get alarmed and sell without re-evaluating your position. In
such times, it is better to review whether your original reasons (i.e.
sound company fundamentals) for investing in the security have
changed. The market is fickle and, based on a piece of news or a
short-term focus, it can irrationally oversell a stock so its price falls
well below its intrinsic value. Selling when the price is low, which
causes it to be undervalued, is a bad choice in the long run because
the price may recover.

The second emotion is hope, which, if it is your only motivator, can
spur you to buy stock based on its price appreciation in the past.
Buying on the hope that what has happened in the past will happen in
the future is precisely what occurred with internet plays in the late
'90s - people bought nearly any tech stock, regardless of its
fundamentals. It is important that you look less at the past return and
more into the company's fundamentals to evaluate the investment's
worth. Basing your investment decisions purely on hope may leave
you with an overvalued stock, with which there is a higher chance of
loss than gain.

The third emotion is greed. If you are under its influence, you may hold
onto a position for too long, hoping for a few extra points. By holding
out for that extra point or two, you could end up turning a large gain
into a loss. During the internet boom investors who were already
achieving double-digit gains held on to their positions hoping the price
would inch up a few more points instead of scaling back the
investment. Then when prices began to tank, many investors didn't
budge and held out in the hopes that their stock would rally. Instead,
their once large gains turned into significant losses.

An investment plan that includes both buying and selling criteria helps
to manage these three deadly sins of investing. (For further reading,
see When Fear And Greed Take Over, The Madness of Crowds and
How Investors Often Cause The Market's Problems.)

The Key Components
Determine Your Objectives
The first step in formulating a plan is to figure out what your
investment objective is. Without a goal in mind, it is hard to create an
investment strategy that will get you somewhere. Investment
objectives often fall into three main categories: safety, income and
growth. Safety objectives focus on maintaining the current value of a
portfolio. This type of strategy would best fit an investor who cannot
tolerate any loss of principal and should avoid the risks inherent in
stocks and some of the less secure fixed-income investments.

If the goal is to provide a steady income stream, then your objective
would fall into the income category. This is often for investors who are
living in retirement and relying on a stream of income. These investors
have less need for capital appreciation and tend to be adverse to
stock market risks.

Growth objectives focus on increasing the portfolio's value over a long-
term time horizon. This type of investment strategy is for relatively
younger investors who are focused on capital appreciation. It's
important to take into account your age, your investment time frame
and how far you are from your investment goal. Objectives should be
realistic, taking into account your tolerance for risk.

Risk Tolerance
Most people want to grow their portfolio to increase wealth. But there
remains one major consideration - risk. How much, or how little, of it
can you take? If you are unable to stomach the constant volatility of
the market, your objective is likely to be safety or income focused.
However, if you are willing to take on volatile stocks then a growth
objective may suit you.

Taking on more risk means you are increasing your chances of
realizing a loss on investments, as well as creating the opportunity of
greater profits. However, it is important to remember that volatile
investments don't always make investors money. The risk component
of a plan is very important and requires you to be completely honest
with yourself about how much potential loss you are willing to take.  

Asset Allocation
Once you know your objectives and risk tolerance, you can start to
determine the allocation of the assets in your portfolio. Asset
allocation is the dividing up of different types of assets in a portfolio to
match the investor's goals and risk tolerance. An example of an asset
allocation for a growth-oriented investor could be 20% in bonds 70% in
stocks and 10% in cash equivalents.

It is important that your asset allocation is an extension of your
objectives and risk tolerance. Safety objectives should comprise the
safest fixed-income assets available like money market securities,
government bonds and high-quality corporate securities with the
highest debt ratings. Income portfolios should focus on safe fixed-
income securities, including bonds with lower ratings, which provide
higher yields, preferred shares and high-quality dividend-paying
stocks.
Growth portfolios should have a large focus on common stock, mutual
funds or exchange-traded funds (ETFs). It is important to continually
review your objectives and risk tolerance and to adjust your portfolio
accordingly.

The importance of asset allocation in formulating a plan is that it
provides you with guidelines for diversifying your portfolio, allowing
you to work towards your objectives with a level of risk that is
comfortable for you.  

The Choices
Once you formulate a strategy, you need to decide on what types of
investments to buy as well as what proportion of each to include in
your portfolio. For example if you are growth oriented, you might pick
stocks, mutual funds or ETFs that have the potential to outperform the
market. If your goal is wealth protection or income generation, you
might buy government bonds or invest in bond funds that are
professionally managed.

If you want to choose your own stocks it is vital to institute trading
rules for both entering and exiting positions. These rules will depend
on your plan objectives and investment strategy. One stock trading
rule - regardless of your approach - is to use stop-loss orders as
protection from downward price movements. While the exact price at
which you set your order is your own choice, the general rule of thumb
is 10% below the purchase price for long-term investments and 3-5%
for shorter-term plays. Here's a reason to use stops to cut your
losses: if your investment plummets 50%, it needs to increase 100% to
break even again.

You may also consider professionally managed products like mutual
funds, which give you access to the expertise of professional money
managers. If your aim is to increase the value of a portfolio through
mutual funds, look for growth funds that focus on capital appreciation.
If you're income-orientated, you'll want to choose funds with dividend-
paying stocks or bond funds that provide regular income. Again, it is
important to ensure that the allocation and risk structure of the fund is
aligned with your desired asset mix and risk tolerance.

Other investment choices are index funds and ETFs. The growing
popularity of these two passively managed products is largely due to
their low fees and tax efficiencies; both have significantly lower
management expenses than actively managed funds. These low-cost,
well-diversified investments are baskets of stocks that represent an
index, a sector or country, and are an excellent way to implement your
asset allocation plan.

Summary
An investment plan is one of the most vital parts for reaching your
goals - it acts as a guide and offers a degree of protection. Whether
you want to be a player in the market or build a nest egg, it's crucial to
build a plan and adhere to it. By sticking to those defined rules, you'll
be more likely to avoid emotional decisions that can derail your
portfolio, and keep a calm, cool and objective view even in the most
trying of times.

However, if all of the above seems like too tall an order, you might
want to engage the services of an investment advisor, who will help
you create and stick to a plan that will meet your investment
objectives and risk tolerance.
Ten Steps to Building a
Winning Trading Plan
KNOWLEDGEFINANCIAL.COM
There is an old saying in business: "Fail to plan and you plan to
fail." It may sound glib, but those who are serious about being
successful, including traders, should follow these eight words as
if they were written in stone. Ask any trader who makes money on
a consistent basis and they will tell you, "You have two choices:
you can either methodically follow a written plan, or fail."

If you have a written trading or investment plan, congratulations!
You are in the minority. While it is still no absolute guarantee of
success, you have eliminated one major roadblock. If your plan
uses flawed techniques or lacks preparation, your success won't
come immediately, but at least you are in a position to chart and
modify your course. By documenting the process, you learn what
works and how to avoid repeating costly mistakes.

Whether or not you have a plan now,
here are some ideas to help with the
process.

A plan should be written in stone while you are trading, but subject
to re-evaluation once the market has closed. It changes with
market conditions and adjusts as the trader's skill level improves.
Each trader should write his or her own plan, taking into account
personal trading styles and goals. Using someone else's plan
does not reflect your trading characteristics.

Building the Perfect Master Plan
What are the components of a good trading plan? Here are 10
essentials that every plan should include.
Skill assessment - Are you ready to trade? Have you tested your
system by paper trading it and do you have confidence that it
works?
Can you follow your signals without hesitation? If not, it's a good
idea to read Mark Douglas's book, "Trading in the Zone", and do
the trading exercises on pages 189–201. This will teach you how
to think in terms of probabilities. Trading in the markets is a battle
of give and take. The real pros are prepared and they take their
profits from the rest of the crowd who, lacking a plan, give their
money away through costly mistakes.

1-Mental preparation – How do you feel?
Did you get a good night's sleep? Do
you feel up to the challenge ahead?
If you
are not emotionally and psychologically ready to do battle in the
markets, it is better to take the day off - otherwise, you risk losing
your shirt. This is guaranteed to happen if you are angry, hungover,
preoccupied or otherwise distracted from the task at hand. Many
traders have a market mantra they repeat before the day begins to
get them ready. Create one that puts you in the trading zone.

2-
Set risk level – How much of your
portfolio should you risk on
any one trade? It can
range anywhere from around 1% to as much as 5% of your
portfolio on a given trading day. That means if you lose that
amount at any point in the day, you get out and stay out. This will
depend on your trading style and risk tolerance. Better to keep
powder dry to fight another day if things aren't going your way.

3
-Set goals – Before you enter a trade,
set realistic profit targets
and risk/reward ratios.
What is the minimum risk/reward you will accept? Many traders
use will not take a trade unless the potential profit is at least three
times greater than the risk. For example, if your stop loss is a
dollar loss per share, your goal should be a $3 profit. Set weekly,
monthly and annual profit goals in dollars or as a percentage of
your portfolio, and re-assess them regularly.

4-
Do your homework – Before the market opens, what
is going on around the world? Are overseas markets up or down?
Are index futures such as the S&P 500 or Nasdaq 100 exchange-
traded funds up or down in pre-market? Index futures are a good
way of gauging market mood before the market opens. What
economic or earnings data is due out and when? Post a list on the
wall in front of you and decide whether you want to trade ahead of
an important economic report. For most traders, it is better to wait
until the report is released than take unnecessary risk. Pros trade
based on probabilities. They don't gamble.

5-
Trade preparation – Before the trading day, reboot
your computer(s) to clear the resident memory (RAM). Whatever
trading system and program you use, label major and minor
support and resistance levels, set alerts for entry and exit signals
and make sure all signals can be easily seen or detected with a
clear visual or auditory signal. Your trading area should not offer
distractions. Remember, this is a business, and distractions can
be costly.

6-Set exit rules – Most traders make the mistake of
concentrating 90% or more of their efforts in looking for buy
signals but pay very little attention to when and where to exit. Many
traders cannot sell if they are down because they don't want to
take a loss. Get over it or you will not make it as a trader. If your
stop gets hit, it means you were wrong. Don't take it personally.
Professional traders lose more trades than they win, but by
managing money and limiting losses, they still end up making
profits.

Before you enter a trade, you should
know where your exits are.
There are at least two
for every trade. First, what is your stop loss if the trade goes
against you? It must be written down. Mental stops don't count.
Second, each trade should have a profit target. Once you get there,
sell a portion of your position and you can move your stop loss on
the rest of your position to break even if you wish. As discussed
above in number three, never risk more than a set percentage of
your portfolio on any trade.

7-Set entry rules – This comes after the
tips for exit rules for a reason
: exits are far more
important than entries. A typical entry rule could be worded like
this: "If signal A fires and there is a minimum target at least three
times as great as my stop loss and we are at support, then buy X
contracts or shares here."

Your system should be complicated enough to be effective, but
simple enough to facilitate snap decisions. If you have 20
conditions that must be met and many are subjective, you will find
it difficult if not impossible to actually make trades.

Computers often make better traders than people, which may
explain why nearly 50% of all trades that now occur on the New
York Stock Exchange are computer-program generated.
Computers don't have to think or feel good to make a trade. If
conditions are met, they enter. When the trade goes the wrong way
or hits a profit target, they exit. They don't get angry at the market or
feel invincible after making a few good trades. Each decision is
based on probabilities.

8
-Keep excellent records – All good
traders are also good record keepers. If
they win a trade,
they want to know exactly why and how.
More importantly, they want to know the same when they lose, so
they don't repeat unnecessary mistakes. Write down details such
as targets, the entry and exit of each trade, the time, support and
resistance levels, daily opening range, market open and close for
the day, and record comments about why you made the trade and
lessons learned.

Also, you should save your trading records so that you can go back
and analyze the profit/loss for a particular system, draw-downs
(which are amounts lost per trade using a trading system),
average time per trade (which is necessary to calculate trade
efficiency), and other important factors, and also compare them to
a buy-and-hold strategy. Remember, this is a business and you
are the accountant.

9-Perform a post-mortem – After each trading day,
adding up the profit or loss is secondary to knowing the why and
how. Write down your conclusions in your trading journal so that
you can reference them again later.

1
0-Parting Notes
"No one should be trading real money until they have at least 30 to
60 profitable paper trades under their belts in real time in real
market conditions before risking real money," says Novak.

Successful paper trading does not guarantee that you will have
success when you begin trading real money and emotions come
into play. But successful paper trading does give the trader
confidence that the system he or she is going to use actually
works.

The exercises in "Trading in the Zone" walk the trader through
trading a system based on a simple indicator, entering the market
when the indicator gives a buy and exiting when it gives a sell.
Deciding on a system is less important than gaining enough skill
so that you are able to make trades without second guessing or
doubting the decision.

There is no way to guarantee that a
trade will make money
. The trader's chances are
based on his or her skill and system of winning and losing. There
is no such thing as winning without losing. Professional traders
know before they enter a trade that the odds are in their favor or
they wouldn't be there. By letting his or her profits ride and cutting
losses short, a trader may lose some battles, but he or she will
win the war. Most traders and investors do the opposite, which is
why they never make money.

Traders who win consistently treat
trading as a business.
While it's not a guarantee that
you will make money, having a plan is crucial if you want to
become consistently successful and survive in the trading game.
FINANCIAL KNOWLEDGE: The Successful Investment Journey, Ten Tips For The Successful Long-Term Investor, Having
A Plan: The Basis Of Success. --------SEE BELOW, GO BELOW!   EXCELLENT INFORMATION...
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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.
LESSON 11
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


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
..Life Insurance Advantages, Benefits, & Features While
Alive and After Death...
Learn More Here!

..
Insurance General Information: Ways to Make Money &
Save Money on Your Insurance. Learn More...

..
Term Insurance Advantages, Term Insurance General
Knowledge. Buy the Term, and invest the difference.
Learn More...

.
.Life Insurance Quote. Find out if You Pay too much for
Your Insurance, Or Check How Much You Can Pay For a
Life Insurance...

Insurance Products:  How to make profits with the
insurance companies? Learn More...

-
AMERICAN DOLLAR. What are the letters, numbers,
and symbols, the latin words, The pyramid  mean?

FIND-OUT
...
--FREE SCHOLARSHIP FOR SCHOOL--

''
FREE GOVERNMENT GRANTS MONEY
FOR SCHOOL--

--LOW INTEREST RATE LOANS FROM
THE NATION LARGEST SOURCES OF
LOCAL, NATIONAL, SPECIFIC
SCHOLARSHIP

AMERICAN DOLLAR. What are the
letters, numers, and symbols, the latin
words, the glowing eyes mean?

BUILDING WEALTH
RICH GUIDE: WHY AREN'T YOU RICH?
BUILDING FINANCIAL WEALTH, OBTAIN  
FINANCIAL FREEDOM, BECOME A RICH
PERSON; YES YOU CAN...
Learn More!

Financial Education - Financial
Knowledge  Everything You Need To
Know About Finance.

Dubai- The World Largest, Biggest,
Tallest, Greatest of Almost Everything.
Learn more about this magnificent
place and as well as other countries.

COPYRIGHT-- What is Copyright?   The
Basics About Copyright Registration.
The procedure for copyright
registration.
Do I need copyright protection? How
do I register?
Learn More!

''
AUTO LOANS: Great Car, Great
Price…. but what about the Financing?
Explore your financing options!
Five Tips for Getting the Best Deal On
a Car...

AUTO DEALERSHIP: 5 Car Dealer
Extras You May Not Need, Or You Don't
Need...
Before buying a car; learn this first...

..
News Letter: Tax Saving Business
News, f
inancial news, the world  
market.
..
Biography & History of the world
greatest personalities & politicians,,

..
The world worst natural disasters &
earthquakes in the history of
humanity,,

.I
nventions. Great Inventions and
discoveries of the century,,
What are
they?

.. HAITI: Things you don't know & what
you
must know.
Learn More!,,
''The Dangers of Using a Debit
Card.  ---knowledgefinancial.com

Consumers need to be particularly careful during vacation season
because identity thieves come out in droves. That makes it pivotal
that consumers keep their debit cards on ice, said Beth Givens,
director of the Privacy Rights Clearing House and one of the
nation's foremost experts on keeping your private information
private.
What makes debit cards so dangerous? Givens has so many
reasons, her organization has put out an exhaustive fact sheet on
whether you should use cash, credit or debit cards when shopping.
(The report also explains the shortcomings of gift cards.)

Here's the short version of the
dangers of debit:

1. Loss Limits   ----
knowledgefinancial.com

Like credit cards, federal law limits your liability for fraudulent
transactions on a debit card to $50. But that's only if you notify your
financial institution within two days of discovering the theft. If you're
a space cadet and don't check your bank statements for a couple
of months, you could lose everything

2.
Pay Now/Reimburse Later

If someone has fraudulently used your credit card, you don't have to
pay the charge. But when somebody has fraudulently used your
debit card, the money comes directly out of your account in real
time.

That means you're out the money while the bank does a leisurely
examination of their records to investigate your fraud claim. Many
consumers complaining to Privacy Rights Clearing House said they
lost access to their funds for several weeks. In the meantime, they
were caught short and unable to pay their bills, Givens said.

3.
Merchant Disputes    ---KNOWLEDGEFINANCIAL.COM

The same problem affects merchant disputes. If you pay with a
credit card when ordering something online, and that product
comes damaged, broken or not at all, you can dispute the charge
and stop payment with your credit card. If you used your debit card,
the charge is paid when you made the order. By the time you find
out the goods weren't what was advertised, the merchant has your
cash and you're in the unenviable position of having to fight to get
your money back.

4. Phantom Charges   ----KNOWLEDGEFINANCIAL.COM

If you use a credit card at a hotel, the hotel takes an imprint when
you check in, but doesn't charge your card until you check out. It's a
far different story with a debit card. Generally, hotels will put a
“hold” on funds in your account for more than you're spending. Yes,
more.

They hold the full amount of your stay, plus an estimated amount for
“incidentals,” such as meals at the hotel restaurant and dipping
into the mini-bar. This is not an actual charge–the hold will come off
your account at the end of your stay.

But it affects the available balance in your checking account
anyway and can lead to overdrafts. One consumer said these
phantom charges cost him $140 in overdraft fees. These “holds”
are commonly placed on debit card transactions made at hotels,
gas stations and rental car companies.

5. Overdrafts, Overdrafts and More
Overdrafts
 ---

Overdraft charges have been soaring in recent years and the vast
majority of consumers who pay them explain that their overdraft
was the result of a debit card transaction. Many consumers naively
assumed that if they didn't have sufficient funds in their accounts,
their bank wouldn't approve a debit swipe.

But they were wrong. The result: a $4 coffee could trigger a $35
overdraft fee. Government regulators are reigning in these fees by
demanding that banks give consumers a chance to “opt out” of
automatic overdraft protection, but that doesn't start for existing
accounts until August. (If you have a new account, it's starts in July.)

6. Skimming    ----KNOWLEDGEFINANCIAL.COM

Financial crooks have gotten sophisticated in recent years and are
using “skimming” machines to read your card data and charge
your account, Givens said. When your debit card is skimmed, your
bank account can be drained before you know that you've been had.
The Easiest Financial Lesson
You'll Ever Learn--

Saving and investing wisely is not an easy achievement. How much
do you need to save for retirement? Where should you put your
money?---KNOWLEDGEFINANCIAL.CO
M

Contribute at least enough money to your 401(k) to maximize your
employer's contribution.

Here's why maximising out your 401(k) is the biggest financial
no-brainer you'll ever encounter.

When your company promises to match some contribution to a
401(k), it's like giving you a raise.
Refusing the match is like telling your company that you don't want
extra money.

Imagine an example where you make $1,000 per paycheck. Now
imagine if your company agrees to match 50 cents per dollar up to
6% of your 401(k) contribution per paycheck. That means you can
put up to $100 per paycheck into your 401(k) and your company will
also contribute $50.

Did you see what just happened? You got a 5% raise. Sure, you had
to contribute $100 of your gross income as well, but this money just
becomes savings --
something you will surely need some day anyway. Unless you are
one of the few people who believe Social Security alone will be
sufficient to allow for a pleasant, comfortable retirement at a
reasonable age.
Let's consider poor reasons not to contribute
enough to receive your full employer match:

I Want More Freedom Investing // knowledgefinancial.com

Maybe you don't like your employer's 401(k) plan. You hate mutual
funds.
You think you can do better in stock market. Good luck with that. In
the example above, imagine if you decided to shun your 401(k) and
invest $ (the difference in after-tax income) from each paycheck
yourself instead.
You would need an investment that would more than double your
money -- even if you saved your 401(k) as pure cash. The return
would have to be 114% to get $90.

I Worry About Losing Money in the Market

Investing is hard, so this is a fair point. But you would have to do
incredibly poorly to lose more than you gain from your 401(k) match.
For that $90 savings to decline below your $42 contribution, it would
have to decline by more than 53%.

Even from the Dow's peak prior to the financial crisis to the bottom it
hit in early 2009, the market lost less than 50% -- and that's about as
bad as it gets. Moreover, you can generally diversify your 401(k)
holdings to include stocks, bonds, and cash.

I Can't Afford to Contribute That Much

Saving isn't a financial constraint: it's a choice. Unless you're living
very near the poverty line, then it's possible to find ways to cut
expenses.

And slicing 4% off your take home pay won't require most people to
dramatically change their lifestyle.

Go out to dinner less often or wait until a movie comes out on video
to see it.
Move a few miles further out of town to get a cheaper rent.
Remember, you aren't actually lowering your income by contributing
to a 401(k);

you just don't spend as much of your money immediately. In fact,
you're actually implicitly increasing your income by maximizing your
employer's match.

I Don't Want My Savings Tied Up

If you need to get at your 401(k) money for some reason before you
retire, you will get hit with a penalty and be forced to pay taxes on it
immediately. That means the money is essentially tied up. But this
isn't a good reason to fail to contribute up to your full employer
match.
''10 Reasons to Open a Roth IRA''-

Young people and workers in low tax brackets have a lot to
gain by saving for retirement in a Roth IRA. But this year, for
the first time, high-income retirement savers also have
access to Roth IRA accounts This year and next year only,
investors can delay the taxes due for retirement account
balances that are converted to a Roth. Here are more
reasons you should consider contributing to a Roth account.

Young people and workers in low tax brackets have a lot to
gain
by saving for retirement in a Roth IRA. But this year, for
the first time, high-income retirement savers also have
access to Roth IRA accounts. And in 2010 only, investors can
delay the taxes due for retirement account balances that are
converted to a Roth. Here are more reasons you should
consider contributing to a Roth account.

Lock in today's low tax rates. Traditional IRAs and 401(k)s
give you a tax break during the years that you save for
retirement, but you have to pay taxes upon withdrawal.
With Roth IRAs and Roth 401(k)s, on the other hand, you pay
the taxes upfront, and distributions that are made after age
59 1/2 from accounts that are at least five years old are
tax-free.

To decide whether a traditional or Roth IRA is better for you,
compare your current tax rate to what you estimate you tax
rate will be in retirement. Those who expect to be in a higher
tax bracket in retirement have the most to gain by paying
taxes up front using a Roth account.

Roth accounts may not be as good of a deal for retirement
savers who are currently
in their peak earnings years and
need the tax break now. If your taxes are currently higher
than you think they will be in retirement, consider delaying
taxation this year by choosing a traditional IRA or 401(k).
Investing your retirement savings in both pre- and post-tax
retirement accounts allows you to hedge your bets against
future tax increases. -- /// KNOWLEDGEFINANCIAL.COM
1. Greater flexibility in retirement. //
KNOWLEDGEFINANCIALGROUP.COM
After age 70 1/2, traditional IRA and 401(k) account owners
are required to take distributions from their retirement
accounts and pay the resulting income tax each year

. The penalty for failing to withdraw the correct amount is 50
percent of the amount that should have been withdrawn in
addition to regular income tax. Roth IRA and 401(k) owners
are not required to take annual distributions, which gives
them more flexibility to time withdrawals or pass on tax-free
money to their heirs.

2. Easier access to your money before
retirement.
Roth IRAs give you more flexibility to make withdrawals
before you reach retirement. Roth IRA withdrawals before
age 59 1/2 result in a 10 percent early withdrawal penalty
and regular income tax due only on the portion of the
withdrawal that comes from earnings.

Like traditional IRAs, penalty-free early withdrawals are also
allowed for several reasons, including college costs, health
insurance premiums after losing your job, significant
unreimbursed medical costs, and certain first-time
homeownership costs.

3. More money for heirs. //
KNOWLEDGEFINANCIALGROUP.COM
Beneficiaries must pay taxes on the money they withdraw
from traditional 401(k)s and IRAs. But your children and
grandchildren may be able to receive tax-free distributions of
the money you leave them in a Roth 401(k) or IRA.
"If you are never going to need this money, it makes sense to
consider a Roth and let the assets grow until your children's
generation," says Beth Gamel, a certified public accountant
and personal financial specialist for Pillar Financial Advisors
in Waltham, Mass.

"You don't have to make any withdrawals and when your
children have to make withdrawals, they will never be
subject to tax." However, charitable contributions will
typically get you a bigger tax break when they're donated
from a traditional IRA. "If you are intending to leave your IRA
to a charity or a nontaxable entity you ought not do a Roth,"
Gamel says.

4. Maximize tax-sheltered assets.
All of your traditional 401(k) and IRA savings isn't available
for spending in retirement. You must use some of the
balance to pay income tax upon withdrawal. With Roth
401(k)s and IRAs, you pay the tax using money outside of
your retirement accounts.

"The advantage of paying the tax with assets that are
outside of the tax-sheltered plan is that you get to increase
the amount of assets you have in a tax-sheltered plan," says
Richard Kopcke, a research consultant at the Center for
Retirement Research at Boston College. Your entire Roth IRA
balance can be used for retirement expenses.

5. Delay taxes on 2010 conversions.
Traditional IRA and 401(k) account balances can be
converted to Roth accounts if you pay income tax on the
amount converted. Those who make transfers in 2010 can
choose between paying the tax this year or paying tax on half
of the income in 2011 and the second half in 2012.

"This gives you the ability to spread the out the payments
over a couple of years versus having to pay it all in one year,"
says Shelley Ferro, a certified financial planner for Ferro
Financial in Metairie, La. In future years, the tax must be paid
entirely in the year of the transfer.

6. Space out conversions. //
KNOWLEDGEFINANCIALGROUP.COM
A large conversion can result in a hefty tax bill and cause a
spike in income that could impact your tax bracket, Medicare
premiums, or your child's eligibility for federal financial aid
for college. But you don't have to roll over your entire IRA
balance in a single year.

Spacing out the amount you convert each year can keep your
annual tax bill reasonable. "It could be very expensive to
convert all of your traditional IRA to a Roth

7. High earners are now eligible.
The IRS removed the $100,000 income limit this year, which
previously didn't allow many high-income taxpayers to
convert traditional IRAs to Roth IRAs.
Although high earners won't be able to make new
contributions to Roth accounts each year, they can get
around this restriction by doing a conversion each year. "You
could make a nondeductible contribution to your IRA and
then convert," says Slott.

8. Convert your 401(k) balance to a Roth.
The recently passed Small Business Jobs Act of 2010
permits employees to shift part or all of their 401(k) plan
balance to a Roth 401(k) within the same plan.

In 2010 only, 401(k) or 403(b) plan participants who roll over
their assets to a Roth are eligible to pay the tax in 2010 or
include half of the income in 2011 and half in 2012. The new
law also allows government 457(b) plans to add Roth
accounts beginning in 2011.

9. There's still time to contribute.//
KNOWLEDGEFINANCIALGROUP.COM
Retirement savers can contribute up to $5,000 to an IRA in
2010 or $6,000 if they are age 50 or over. You have until your
tax filing deadline to make 2010 contributions.

Roth IRA conversions must be made by Dec. 31,
2010,
to count for the 2010 tax year. If you later change your
mind about the 2010 Roth IRA conversion, you have until Oct.
15, 2011 to shift your assets back to a traditional IRA.
We offer exceptional real estate service  to ensure the highest
exposure and top dollar for your property.
SOUTH FL. CALL ANTHONY A 786-:

We promote For Sale properties with an exclusive multimedia
marketing campaign. We Sell fast, we Sell  quick for the top dollar.
''HOME-SELLING --// -' -REAL ESTATE SERVICES--  HOME-BUYING   -
-
REAL ESTATE INFO.//-- Home Buying Mistakes To Avoid ///Commercial Properties.-
Real Estate Is My Passion, That's What I Know Best.
Any Help You Need, Any Questions You May Have About
Real Estate In Florida. --
Feel Free To Contact Anthony
At:786-
- COMMERCIAL REAL ESTATE''-
Internet Blogs
The Most Interesting Blog On The Web, The Most Educative, Most
Instructive blogs.

''Blog about
Real estate investments: What everyone should know about
the real estate market.
How to find financing ''
http://knowledgefinancial.blogspot.com/

''Blog about Insurance:
What exactly you should find out about your
insurance company, policy and plan.''
http://www.buyheremarket.blogspot.com/

''Blog about financial education, financial knowledge, financial literacy:
Economy-business-finance-investing''
http://www.buyheremarket.blogspot.com/

''
..Social Security Benefits: 12 Things You Must  to Know About.--   '
Financial Decisions
By knowledge financial group – knowledgefinancial.com //
When purchasing financial products or services,
please follow the {SAVE }steps:
1.      
  STOP for a mental break before making financial
decisions. Don’t pressure yourself, and either don’t let
other people pressure you
2.       
 ASK questions about costs and also risks. Ask
are there fees, taxes, penalties, etc. Also can I cancel and
get my money back, wht payment options do I have?
3.        
VERIFY and check what you’ve told to discover
the true and non –true. Get everything in writing then
verify that what you were told matches what you read.
4.        
ESTIMATE your costs and discuss about them.
Compare the total cost of products, services to the value
of what you’re getting..

And then   
DECIDE whether the costs and value are
worthwhile for you, then make up your decision.-
I encourage all the Internet users to use this valuable
resources at:  knowledgefinancial.com

As well as:
knowledge financial group.blogspot.com/

And also:
 facebook.com/knowledgefinancial  //

Also why not:
twitter.com/financialschool  //

And don't forget
Google plus... Knowledge F. Group /

Those are
helpful sources of excellent information,
magnificent tools to help people throughout life.
Advice of Knowledge Financial Group
and Visionone Holding Company

and also: Visionaire Business
Center-Visionairebiz

And why not: Buyheremarket Enterprise.

Fiduciary duty of an agent name to
manage money or property for
someone else
.

The role of fiduciary carries with it legal
responsibilities.
1.        Act on the principal best interest
2.        Manage  carefully and properly, use
skills and care.
3.        Keep money separate from any other
money. No comingle!
4.        Keep very good record, problems and
questions can come at anytime.
Fiduciary must be trustworthy, honest and
act in good faith.
We at knowledge financial group – knowledgefinancial.
com  //

we empower consumers to take more control over their
financial lives.

Have you been invited to an investment
seminar?
Watch out for high-pressure sales tactics.. Avoid making quick
decision,
Watch out for exaggerated claims..
Watch out for unrealistic statements like money without risks…
Watch for freebies, like free lunch, dinner invitations, free golf trips, free
game tickets etc.
Remember free lunch, free diner found most often in the rat, mouse traps
and also in the fishing line.

Why? Ohh, just to catch the mouse, the rats, the fish.
So be careful, you as human being can easily get caught just like a fish, a
rat, or mouse.  
We at knowledge financial Group -
knowledgefinancialgroup.com we're simplifiying  
personal  finance and creating more ways to develop
financial knowledge, financial education in the
benefit of more people.
Financial Knowledge at
knowledgefinancial.com our super world library
knowledgefinancial.com is making financial
learning and training a really interactive and
certainly enjoyable..
We at knowledge financial group -
knowledgefinancial.com , we're here to empower
people to help them reach their full potential and
achieve their financial goals..

We're teaching personal finance - retirement planning -
investing - real estate - insurance - tax strategies etc.
We at knowledge financial group -
knowledgefinancialgroup.com, we're promoting
financial literacy, financial education with the only
purpose to make sure more people have the ability to
understand how money works, how to save, how to
invest, how to prepare for retirement, and how to be
properly protected with a great insurance policy..
Improve your Financial knowledge at knowledgefinancialgroup.com
It's necessary to always improving yourself regardless what career you
have, what kind of job you hold, or what degrees you may have.

Financial skills can help you make the right and informed decisions and
also help discuss better with the financial institutions and experts.
Financialknowledge.com is here to help..  
'' Knowledge Financial Group - Provides: Unlimited Access: Learn What
You Want, When You Want, From Our Entire Web Library; Sites, Blogs,
Articles, And Social Media Pages. = Education -Training - Videos
Tutorials -... Seminars
The Habits of Highly Successful Investors:
How to Invest for Profit in Today's Market.

----------
Things Everyone Should Know About
Finance, Investing, Economics: From
Commodities, Insurance,Securities and
Derivatives to Interest Rates and Hedge
Funds, the Basics of Economics and What
They Mean for You
Buying or owning a real estate property can
help help you increase your networth and
decreasing your debt and increasing your
equity.

----------
owning a home is the exact tool to use as
edge against inflation ==
Life Insurance: If you are young or have no
children, please do not listen to people who
are telling you that you don't need life
insurance.

God forbid, if you fall today meaning that if
you pass away this month just think for a
minute or two about how much problems,
financial trouble you will leave behind for
your family, for your love because they
were not prepared, or even expected to
bury you.

I guarantee you some family members and
friends will talk very bad about you. Do you
know? Because you did not do what you
suppose to do to protect your dignity while
you were alive. Now it's probably the  time
to stop acting carelessly.
----------
'' How To Own Investment Homes - Income Producing
Properties
- The advantage of owning a real estate
property.
LEARN MORE...
-----------
'' The south
Florida Real Estate Market Update: Buying -
Selling - Investing - Renting.
LEARN MORE...
--------------
''
Real Estate Info About:  Single Family Home -
Town-home - Co-Op - Condominiums -  Commercial real
estate - Timeshare.
LEARN MORE...
-------------
''
Real estate Portfolios. How To Find The Best Real Estate
Investments
? Do You Know That There are About At Least
10 Ten Different Ways To Invest In Real Estate?
LEARN
MORE.. --------------
Commercial Real Estate: Ways to Evaluate Commercial
Property
.. How To Get Involve In Commercial Properties?
LEARN MORE...  
----------------
''
Real Estate News And Blogs: '' Real Estate Investing
Tools & Resources.
LEARN MORE...
----------------
' ''
FREE Home Value Report! '' How Much Is This House
Worth? '' Find Out Now For FREE Fast, Easy & Simple. -
Free Comparative Market Analysis (CMA) -
'' Free Broker's price opinions { B P O }...
LEARN MORE...
--------------
''
Home Inspection: Here's What Everyone Needs To Know
About Home Inspectors & Inspection
Step One - Step Two
&
Step Three.. LEARN MORE...
---------------
''
Real Estate For Sellers // = // '' Real Estate For Buyers / ''
Real Estate Listings
// =
Anthony Jeanty, Agent Anthony Is Proud To Serve &
To Help The People In Miami Dade, Broward & Palm
Beach County, Florida With Their Real Estate Needs
And Also Life Insurance.
------------
Thank You In Advance For Thinking About  Anthony
Jeanty, Agent Antony As Your Potential Agent.
------------
Agent Anthony Is On Every Social Media You Can
Think Of. Please Follow Us, Connect With Us, Like Us..
.

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Knowledgefinancialgroup.com
At: KNOWLEDGE FINANCIAL GROUP – AT: BUYHEREMARKET ENTERPRISE AND AT: VISIONONE HOLDING COMPANY – YOU WILL FIND:

Info to stay update, advice to feel confident

Ideas to continue improvement and innovation

Suggestions to take action

Commitment to seize opportunities

Desire to persevere


Resilience to surmount the barriers, road block, obstacles

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Investment decisions in the time of uncertainty –

Opportunity doesn’t always knock. Sometimes you have to go find it.

When opportunity knocks your door, you have to be ready and hurry to open the door because it is very impatient waiting for one individual
while it has millions others waiting for it.

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Financial Advisors – Financial Planners – Financial Consultants And Wealth Managers Usually Visit: Knowledge Financial Group –--

Buyheremarket Enterprise – And Visionone Holding Company to refresh their knowledge, to learn more, to increase their financial skills.

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Investors, please do the best you possibly can to avoid: F.O.M.O which is: Fear Of Missing Out.

When investing, try to avoid overvalued companies

When investing, make sure the company has a good management team. Check the debt of the company. Too much debt is a sign of trouble.

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When investing it’s good to put in perspective a company balance sheet and the company income statement. It’s good to open eyes on company
profit and loss statement and the profit margin. How much cash left after paying all the expenses.

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In the investing world, traders used more technical analysis and investors used more fundamental analysis.

Trading vs Investing:

Trading is short-term investment process. {IN AND OUT} That could be, few minutes, few hours, perhaps few days.

Investing is long-term investment that can last at least over a year.

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P/E RATIO = STOCK PRICE DIVIDED BY EARNINGS

LOW PE RATIO MEANS LOW PRICE – LOW EARNINGS

HIGH PE RATIO MEANS HIGH PRICE – HIGH EARNINGS
If you’re in a panic right now, it’s important to remember that market crashes happen all the time. If you
take a look at the chart above (click to enlarge), the S&P 500 has gone through six major crashes since
1950 and many more minor ones sprinkled in between:

The recession of 1953 occurred due to a combination of events. After an inflationary period following the Korean War, the Federal Reserve
tightened monetary policy in 1952. The spike in interest rates led to increased pessimism in the economy.
==========
The 1958 Eisenhower Recession was a sharp worldwide economic downturn in 1958. It was the most significant recession during the post-
World War II boom between 1945 and 1970. The recession was regarded as a moderate one based on the duration and extent of declines in
employment, production, and income.
=========
The Kennedy Slide or Flash Crash of 1962 during the presidential term of John F. Kennedy. The S&P 500 declined 22.5%, and the stock market
did not experience a stable recovery until after the end of the Cuban Missile Crisis.
==========
The 1966 credit crunch was brought on by inflationary pressure from the Vietnam war and years of economic expansion. In response, the
Federal Reserve decided to tighten monetary policy which caused bank lending to dry up and led to a credit crunch.
==========

The 1969-70 crash coincided with the Nixon Recession. Rising inflation, the ongoing Vietnam War, and monetary tightening continued to send
markets downward in 1969. The S&P 500 fell more than 35% before hitting a bottom in mid-1970 before rebounding.
-==========

The 1973-74 crash was one of the worst stock market downturns in modern history. It was compounded by the outbreak of the 1973 oil crisis in
October of that year when members of OPEC started an oil embargo.
========

The 1981-82 recession followed the wake of the 1979 Iranian Revolution which sent oil prices higher and started a second oil crisis. The
Federal Reserve reported that there would be little or no economic growth in 1981, as interest rates were to continue rising in an attempt to
reduce inflation.
=========

Black Monday was the largest one-day percentage drop in history. On 19 October 1987, the Dow Jones Industrial Index fell 22.6% and the S&P
500 declined more than 18%. All of the twenty-three major world markets experienced a similar decline that October.
=========
The 1990-91 recession began when Iraq invaded Kuwait in July 1990, causing oil prices to increase. The price spike was less extreme and of
shorter duration than the previous oil crises, but the spike still contributed to the U.S. recession of the early 1990s.
=========
The Dot-com bubble was a stock market bubble caused by excessive speculation in Internet-related companies in the late 1990s. Between
1995 and its peak in March 2000, the Nasdaq Composite index rose 400% only to fall 78% from its peak by October 2002.
=========

The Global Financial Crisis was considered by many economists to have been the most serious financial crisis since the Great Depression of
the 1930s. The crisis was followed by a global economic downturn, the Great Recession. This remains the steepest bear market in the S&P 500’
s history.
========

The 2011 August stock market fall was triggered in the U.S. by the downgrading of America’s credit rating from AAA to AA+ for the first time.
The U.S. had a AAA rating since 1941. In Europe, the European debt crisis caused markets to fall in France, Germany, Italy, Switzerland, and the
UK.

The uncertainty caused by the China-U.S. trade war rattled investors in December 2018. The S&P 500 peaked in September 2018 and then
dropped 19.73% by Christmas Eve. In China, the Shanghai Composite drops to a four-year low.
========
Fears about the 2019-20 coronavirus outbreak caused the Dow, Nasdaq and S&P 500 to drop more than 10% in a week. We’re in the midst of
this now.

Despite all these numerous crashes, one thing you notice is that the stock market has continued to rise over the long term. This is mainly due
to four reasons: population growth, economic growth, inflation, and the fact that, as an index, the S&P 500 always comprises the 500 best
listed companies in the U.S.

If you know this and believe that these four factors will continue to hold true in many years or decades to come, then a market crash is
essentially the best time to jump on the train and invest in the stock market.