Company Name
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KNOWLEDGE FINANCIALGROUP.COM
RICH GUIDE: WHY AREN'T YOU RICH YET? BUILDING FINANCIAL WEALTH, OBTAIN FINANCIAL
FREEDOM AND ECONOMIC INDEPENDENCE, BECOME A RICH PERSON; YES YOU CAN...
WHY YOU AREN’T RICH?
Many people assume they aren't rich because they don't earn enough money. If I only earned a
little more, I could save and invest better, they say, they don’t have a good education, they say
they have too much responsibilities; Excuses, Excuses, Excuses.
..State Insurance Departments for all 50
States..

REQUEST INSURANCE INFORMATION, PLACE
A COMPLAINT, CHECK ON AN INSURANCE
COMPANY, CHECK INSURANCE LICENSES,
FIND QUALIFIED AGENTS, FIND LOCATION
ETC. --

NSURANCE KNOWLEDGE
LIFE INSURANCE ADVANTAGES, FEATURES
AND BENEFITS WHILE ALIVE AND AFTER
DEATH.

Business Registration:
State Business Entity Registration..  State
Licenses and Permits . Steps to Registering
a Business.

INSURANCE 101:  EVERYTHING YOU NEED TO
KNOW ABOUT INSURANCE.
LEARN  HOW WIN THE INSURANCE  GAME...

HOW TO SAVE MONEY ON YOUR INSURANC,
And How to Understand Your Insurance
Contract?
.. Life Insurance
Advantages,
Benefits, & Features
While Alive and
After Death... Learn
More Here!

..GET A FREE
INSURANCE QUOTE,
Click Here!

..APPLY FOR: Grant Money,
free Money From the U.S.
Government.
You May Qualify For Real
Government Funding.  Find
Out What You Need to
Know to APPLY..

..Business Registration:
State Business Entity
Registration..  State
Licenses and
Permits . Steps to
Registering a Business.
LICENSED INSURANCE AGENT:  FOR
INSURANCE GENERAL INFORMATION.

LICENSED REAL ESTATE AGENT:  FOR
REAL ESTATE COMPLETE ADVICE &
INFORMATION. BUYING SELLING &
LEASING

LICENSED MORTGAGE BROKER:  FOR
MORTGAGE GLOBAL INFORMATION,
FINANCING & REFINANCING.
Understanding the difference in attitudes between rich mentality and poor mentality – is essential to taking the first steps to financial
freedom.                                                 KNOWLEDGEFINANCIALGROUP.COM

For a comprehensive look at how to battle the Poor  mentality and adopt the Rich mentality state of mind, learn more about the tools we offer
in this website to help you on your journey to financial freedom.
LIFE INSURANCE CAN HELP YOU SAVE YOUR CREDIT, RESCUE IT, PROTECT IT,
INCREASE YOUR SCORE. WE HAVE VALUABLE INFORMATION TO HELP YOU.
LEARN MORE...

INVESTING:---  INVESMENT:  METHOD AND TECHNIQUES TO INVEST IN TODAY'S
MARKET FOR A BETTER TOMORROW!

CREDIT REPORT:--- Consumer Credit Report: What's On It? Your Access to Free
Credit Reports. How do I get my free online  Credit Report?

SAVING MONEY:---SAVING MONEY IMPORTANT TIPS...  66 WAYS TO SAVE
MONEY

CREDIT INFO:--- REVEAL GUARDED SECRETS OF AMERICAN CREDIT
SYSTEM. Your credit has to do with everything in life today. Credit Repair: Self
Help May Be Best.

MORTGAGE GENERAL INFORMATION:--- FLORIDA REAL ESTATE FINANCING &
REFINANCING, MORTGAGE HOME LOANS...

ID-THEFT--- HOW TO PROTECT AND DEFEND YOURSELF AGAINST IDENTITY
THEFT?    -----DETER, DETECT AND DEFEND?

REAL ESTATE INFORMATION CENTER:--- Information You'll Need to Succeed in
Your Real Estate Investments. MONEY MAKING MACHINE  REAL ESTATE
INVESTMENT OPPORTUNITIES FOR ALL!..


CREDIT CARDS:--- Six Smart Credit Card Strategies. Have a questions about
credit cards? We have answers the top ten most frequently asked credit card
questions.

PROTECTION AGAINST IDENTITY THEFT:--- DEFEND YOURSELF AGAINST
IDENTITY THEFT; LEARN THE IMPORTANT METHODS AND TECHNIQUES TO
RECOVER FROM ID THEFT!

CREDIT HELP:--- Understanding Your Debt Collection Rights. LEARN THE REAL
TRUTH ABOUT CREDIT REPAIR! How to Use Your Credit Clout: Credit Laws That
are on Your Side?

BANKING FINANCE  Knowledge:--- The more you know the closer you are to
accomplish great success.

CREDIT RATING:--- THE IMPORTANCE OF YOUR CREDIT RATING. Tips to Improve
or Maintain a High Credit Score... Credit Card Fraud: 21 Tips to Protect Yourself

TAXES:--- TAX KNOWLEDGE: MEANING TAX SAVING,  EQUAL
MORE MONEY FOR YOU! TAX SAVING,

TAX HELP: What to do if you Can’t Pay your Tax Bill? How to Cut Your Property
Taxes

GOVERNMENT:---  Government's general information;
Local, State, and Federal,  and Housing Finance Authority of Miami dade,
Monroe, Broward, and Palm Beach County.

THE BLOG:--- WHERE AND HOW TO FIND MONEY TO INVEST IN REAL ESTATE?
THE MOST LUCRATIVE, SECURED PROFITABLE BUSINESS?

FINANCIAL HELP:--- FREE FINANCIAL ADVICE. WAYS TO SAVE MONEY, TO
MAKE MONEY, AND GET OUT OF DEBT!
Here are 10 more possible reasons you
aren't rich:              KNOWLEDGEFINANCIAL.COM
1-
You care what your car looks like: A car is a means of
transportation to get from one place to another, but many people
don't view it that way. Instead, they consider it a reflection of
themselves and spend money every two years or so to impress
others instead of driving the car for its entire useful life and
investing the money saved.
2-
You feel entitlement: If you believe you deserve to live a certain
lifestyle, have certain things and spend a certain amount before
you have earned to live that way, you will have to borrow money.
That large chunk of debt will keep you from building wealth.
3-
You lack diversification: There is a reason one of the oldest
pieces of financial advice is to not keep all your eggs in a single
basket. Having a diversified investment portfolio makes it much
less likely that wealth will suddenly disappear.
4-
You started too late: The magic of compound interest works best
over long periods of time. If you find you're always saying there
will be time to save and invest in a couple more years, you'll
wake up one day to find retirement is just around the corner and
there is still nothing in your retirement account.
5-
You don't do what you enjoy: While your job doesn't necessarily
need to be your dream job, you need to enjoy it. If you choose a
job you don't like just for the money, you'll likely spend all that
extra cash trying to relieve the stress of doing work you hate.

KNOWLEDGEFINANCIAL.COM
6- You don't like to learn: You may have assumed that once you
graduated from college, there was no need to study or learn. That
attitude might be enough to get you your first job or keep you
employed, but it will never make you rich. A willingness to learn to
improve your career and finances are essential if you want to
eventually become wealthy./ knowledgefinancial.com
7-
You buy things you don't use: Take a look around your house, in
the closets, basement, attic and garage and see if there are a lot of
things you haven't used in the past year. If there are, chances are
that all those things you purchased were wasted money that could
have been used to increase your net worth.
8-
You don't understand value: You buy things for any number of
reasons besides the value that the purchase brings to you. This is
not limited to those who feel the need to buy the most expensive
items, but can also apply to those who always purchase the
cheapest goods. Rarely are either the best value, and it's only
when you learn to purchase good value that you have money left
over to invest for your future.
9-
Your house is too big: When you buy a house that is bigger than
you can afford or need, you end up spending extra money on
longer debt payments, increased taxes, higher upkeep and more
things to fill it. Some people will try to argue that the increased
value of the house makes it a good investment, but the truth is that
unless you are willing to downgrade your living standards, which
most people are not, it will never be a liquid asset or money that
you can ever use and enjoy.
10-
You fail to take advantage of opportunities: There has probably
been more than one occasion where you heard about someone
who has made it big and thought to yourself, "I could have thought
of that." There are plenty of opportunities if you have the will and
determination to keep your eyes open.                                
KNOWLEDGEFINANCIAL.COM
TALK TO A FLORIDA LICENSED
INSURANCE AGENT BY CALLING AT:

TALK TO A FLORIDA LICENSED REAL
ESTATE  AGENT
AT:

TALK TO A FLORIDA LICENSED
MORTGAGE BROKER

AT:   FOR REAL ESTATE FINANCING &
REFINANCING.
UNDERSTAND THE RULE OF 72...
In finance, the rule of 72, the rule of 70 and the rule of 69 are methods for
estimating an investment's doubling time. The number in the title is divided
by the interest percentage per period to obtain the approximate number of
periods (usually years) required for doubling.

Using the rule to estimate compounding periods
To estimate the number of periods required to double an original investment,
divide the most convenient "rule-quantity" by the expected growth rate,
expressed as a percentage. knowkedgefinancial.com

For instance, if you were to invest $100 with compounding interest at a rate
of 9% per annum, the rule of 72 gives 72/9 = 8 years required for the
investment to be worth $200; an exact calculation gives 8.0432 years.

Choice of rule / knowledgefinancial.com
The value 72 is a convenient choice of numerator, since it has many small
divisors: 1, 2, 3, 4, 6, 8, 9, and 12. It provides a good approximation for
annual compounding, and for compounding at typical rates (from 6% to 10%).
The approximations are less accurate at higher interest rates.

For continuous compounding, 69 gives accurate results for any rate, This is
because ln(2) is about 69.3%; see derivation below. Since daily
compounding is close enough to continuous compounding, for most
purposes 69, 69.3 or 70 are better than 72 for daily compounding. For lower
annual rates than those above, 69.3 would also be more accurate than 72
knowledgefinancial.com
LEARN TO BE RICH!                                         KNOWLEDGEFINANCIAL.
COM

TO CHANGE YOUR LIFE ECONOMICALLY: CHANGE YOUR MIND,
CHANGE YOUR THINKING!

THINK LIKE THE RICH THINK----Refuse to accept conventional
thinking that actually “holds you back”

LEARN WHAT THE RICH KNOW----They learn the way to succeed,
they practice it; Why not you?

DO WHAT THE RICH DO----They did it- And so can you?
CHANGE YOUR MIND, CHANGE YOUR LIFE FOR A COMPLETE
FINANCIAL SUCCESS  
An alternative is the Rule of 69 , which is used for daily
or continuous compounding. But part of the attraction of
the Rule of 72 is the large number of small whole divisors of 72: 2, 3, 4,
6, 8, 9, 12, 18, 24 and 36. This makes it easier to
use.
KNOWLEDGEFINANCIAL.COM
Yet another alternative is the Rule of 70 , which calculates the number of
years for an inflation rate to cause the value of
an investment to drop in half, by dividing the inflation rate into 70. Thus it
will take 70/2 = 35 years for an inflation rate of 2%
to cut the value of an investment in half.

The Rule of 120 works reasonably well for calculating the time to triple
an investment. 114 or 115 would be more
accurate, but not nearly as divisible. The Rule of 144 works well for
calculating the time to quadruple an investment. It is
simply double the Rule of 72.


Another useful heuristic can calculate a slight underestimate of the total
interest paid on an amortized loan with a level
payment. Multiply the initial loan balance by the interest rate and the term
of the loan, and divide the result by 2. For
example, a $10,000 loan with a 4% interest rate and 10 year term would
yield total payments of $10,000 * 4% * 10 / 2 =
$2,000, just slightly under the actual result of $2,149. The actual result
will always be higher because this is a linear
approximation of the amortization curve, which is a convex curve.
The Rule Of 72
Compound Interest
Financial Success                 KNOWLEDGEFINANCIAL.COM


The compound interest and financial success Rule Of 72 is the most
important and simple rule of financial success.
It takes two minutes and costs nothing to learn the Rule Of 72. Gain
financial success faster when you command the
power of compound interest, instead of allowing compound interest to
enslave you.

The Rule Of 72 should be taught in every school. Every young person
should understand compound interest and the
simple secret to financial success, before they begin earning, investing
and spending
Compound Interest
What Does Compound Interest Mean?
Interest that accrues on the initial principal and the accumulated interest
of a principal deposit, loan or debt.
Compounding of interest allows a principal amount to grow at a faster
rate than simple interest, which is calculated as a
percentage of only the principal amount.

KNOWLEDGE FINANCIAL explains Compound Interest
The more frequently interest is added to the principal, the faster the
principal grows and the higher the compound interest
will be. The frequency at which the interest is compounded is
established at the initial stages of securing the loan.
Generally, interest tends to be calculated on an annual basis, although
other terms may be established at the time of the
loan.
KNOWLEDGEFINANCIAL.COM
NSURANCE: WAYS TO MAKE MONEY
& SAVE MONEY ON YOUR
INSURANCE. 15 Insurance Policies
You Don't Need

Five Insurance Policies
Everyone Should Have
Protecting your most important assets is an important step
in creating a solid personal financial plan. The right
insurance policies will go a long way toward helping you
safeguard your earning power and your possessions


THE IMPORTANCE OF INSURANCE
IN SOMEONE'S LIFE!
Your Financial Plan; Insurance is an important element of
any sound financial plan

Different types of insurance protect you and your loved
ones in different ways against the cost of accidents,
illness, disability, and death.

SAVE YOUR HOME, SAVE YOUR CREDIT,
REDUCE YOUR MONTHLY PAYMENT,
AVOID FORECLOSURE.
Compound Interest                               
What Does Compound Interest Mean?
Interest that accrues on the initial principal and the
accumulated interest of a principal deposit, loan or
debt. Compounding of interest allows a principal
amount to grow at a faster rate than simple
interest, which is calculated as a percentage of
only the principal amount.

KNOWLEDGE FINANCIAL explains Compound
Interest
The more frequently interest is added to the
principal, the faster the principal grows and the
higher the compound interest will be. The
frequency at which the interest is compounded is
established at the initial stages of securing the
loan. Generally, interest tends to be calculated on
an annual basis, although other terms may be
established at the time of the loan.

KNOWLEDGEFINANCIAL.COM
Financial Education is Why the Rich
are Getting Excessively Richer     --------
KNOWLEDGEFINANCIAL.COM

Your Financial Success Depends on What you Know About
Money

Most people set out to get an education in hopes of getting
a safe and secure job and ultimately being able to provide
for themselves and their family. However, the education
most people receive doesn’t actually teach them what they
need to know to be truly successful and in command of
their finances. Consider the three types of education:
---------------------------------------------
Academic Education
This is what we all have gone to school to learn. It is very
important and teaches us the foundation of how to read,
write, learn and function in the world.
---------------------------------------------------
Professional Education
This is what we learn to help us be successful in our
careers. We may learn this in college or trade school or the
job. It is the information and skills we need to be
successful at our work.
--------------------------------------------------
Financial Education
This is the type of education that teaches us what we
should be doing with our money to be successful. In today’
s world, financial education is crucial, especially with the
world economy in recession or depression. However, our
school systems don’t teach us about financial education
and so most people have never been taught what they
need to know in order to take control of their financial lives.
------------------------------------------------------------         
KNOWLEDGEFINANCIAL.COM

THINK LIKE THE RICH THINK...
Thoughts drive behavior. Before you start down the path to
financial freedom, you must first understand how the rich
think about money and how it differs from the poor and
middle-class way of thinking. Regardless of how much
money you make, you will end up right back where you
started if you don’t change your thoughts about money. Don’
t let old habits get the best of you and your finances.
The Role of Money in Our Life
THE ARCHITECTURE OF PROSPERITY

KNOWLEDGEFINANCIAL.COM
Invest in Yourself
One of the greatest thinkers of our time was
Buckminster Fuller, scientist, writer, philosopher.
He suggested that everyone quit their jobs and
just go home. And stay there until they fully
understood what is and is not necessary to do,
what they are best suited for, most passionate to
do, and fulfilled in. Only then did he recommend
that we return to work, bringing those capacities
and energies to the table, and even then doing
only what is truly necessary. If we did this, he felt,
we would have a vastly improved society.
Understanding The Time Value Of
Money
What Is Time Value?    KNOWLEDGEFINANCIAL.COM
If you're like most people, you would choose to receive the
$10,000 now. After all, three years is a long time to wait.
Why would
any rational person defer payment into the future when he
or she could have the same amount of money now? For
most of us,
taking the money in the present is just plain instinctive. So
at the most basic level, the time value of money
demonstrates that,
all things being equal, it is better to have money now rather
than later.

But why is this? A $100 bill has the same value as a $100
bill one year from now, doesn't it? Actually, although the bill
is the
same, you can do much more with the money if you have it
now because over time you can earn more interest on your
money.

Back to our example: by receiving $10,000 today, you are
poised to increase the future value of your money by
investing and
gaining interest over a period of time. For Option B, you
don't have time on your side, and the payment received in
three years
would be your future value.

Time Value of Money (TVM)
What Does Time Value of Money (TVM) Mean?
The idea that money available at the present time is worth
more than the same amount in the future, due to its
potential earning
capacity. This core principle of finance holds that, provided
money can earn interest, any amount of money is worth
more the
sooner it is received. Also referred to as "present
discounted value".KNOWLEDGE FINANCIAL explains Time
Value of Money
(TVM)
KNOWLEDGEFINANCIAL.COM
Everyone knows that money deposited in a savings
account will earn interest. Because of this universal fact,
we would prefer
to receive money today rather than the same amount in the
future.

For example, assuming a 5% interest rate, $100 invested
today will be worth $105 in one year ($100 multiplied by
1.05).  
Conversely, $100 received one year from now is only
worth $95.24 today ($100 divided by 1.05), assuming a 5%
interest rate
10 Tips To Get Out Of Debt--- KNOWLEDGEFINANCIAL.COM
Take control of your money and your life!  

Cut Your Credit Cards and Set A Budget
Every family that finds themselves in debt should cut up all their credit
cards and live on a cash budget, keeping a log of each and every
expenditure made. Use the following formula to set a budget. Keep in
mind that the "life" category includes is everything from groceries, to
gadgets to entertainment. Housing: 35%, Debt: 15%, Life: 25%,
Transportation, 15%, Savings 10%.

Reduce Your Interest Rates.
KNOWLEDGEFINANCIAL.COM
Reducing your interest cost is one way to fast track your way out of debt.
Some people have interest rates as high as 30%, when they pay their
monthly minimum, all they're doing is paying off interest rather than
chipping away at the principal. By calling to negotiate with creditors,
high interest rates can be brought down. If you call and a representative
says they can't help you, ask to be connected to a supervisor until you
get to someone with the authority to reduce your rates.

Bring In Extra Money
Do anything you can to bring in extra money to throw at your debt, even
if you work a full time job. Consider overtime at work, dog walking,
baby sitting, tutoring, or using any skill that's unique to you to bring
home the bacon…some creative ideas we've seen on the show: web
designing, party planning, teaching music lessons and much, much
more! ---KNOWLEDGEFINANCIAL.COM

Get Your Priorities Straight
When deciding how to tackle debt and putting a plan in place to save for
the future, you have to consider all of your options. Ask yourself the
tough questions and prioritize…if going to grad school is important, then
maybe you can be a student but take on a part-time job. If having a child
is important, do you need to take a full maternity leave? Should you
consider buying a home - maybe renting is a smarter option? Make a list
of things you want to do and  discuss them thoroughly with your partner
to help make the best decisions for you and your relationship.

Chip Away At The Debt
To reduce debt, make a list of every single debt that you have and rank
them in order of the highest interest rate, not the highest balance. Pay off
the highest interest rate card first. Every time you have extra money,
throw it at the debt you've targeted until it's gone and then stop using
that card! Reward yourself by making a checklist and crossing out the
debt, you'll feel better as you start to see it disappear.  When your debt is
paid off, take the money you were allocating for debt repayment and put
it towards savings. KNOWLEDGEFINANCIAL.COM


Keep Things In Perspective
Getting out of debt isn't easy, but you have to remember that you cannot
let debt consume you and hurt your relationship. You and your partner
need to work through the debt together, making sacrifices but focusing
on what's important as well - your family and your relationship. Get a
babysitter and make time to do something special with your spouse so
you can remember why you fell in love, set time aside to do group
activities as a family to involve the kids as well. Don't let your debt get
the best of you.
KNOWLEDGEFINANCIAL.COM

Getting Out of Debt Doesn't Mean You Can't Ever Spend Again.
When working your way out of debt you can still spend on things that are
important to you, you just need to plan and save for them. So for
example, if you're planning to get married, don't rush out and cancel your
wedding - re-think your wedding plans and see if there are cheaper
alternative ways to spend on what you want. If you really love to travel,
don't cancel your trip for the year, figure out a way to do it on a tighter
budget and save a little each month for it so you don't have to put it on
credit cards.


Stop Eating Out   ---KNOWLEDGEFINANCIAL.COM
Eating out costs way more than buying food and cooking at home, not to
mention that the latter option is much healthier as well. Make cooking
dinner a family activity, something that can be done to together to make
the experience more enjoyable -- and when you're done cooking, sit
down and have dinner together, discuss the day's events and catch up.
Having dinner parties at home is also a way to cut down on
entertainment with friends. If you're planning a romantic dinner consider
taking the kids to their grandparents' and having dinner at home rather
than in a restaurant. If you're going to get together with friends, consider
the same thing. Remember, it's not about the food, it's about the
company.

Get Organized
When it comes to working your way out of debt it's all about organization
-- believe it or not getting your documents in order will help you pay
down your debt because it puts you in control. Organize your paperwork
so you know where every important document is and so that all
documents are easily accessible.

Use a collapsible file folder, label the tabs clearly and most importantly,
do this with your spouse so you both understand the system.
WWW.KNOWLEDGEFINANCIAL.COM
www.knowledgefinancial.com

Top Seven Tips For Success

Posted by
ANTONY

Professional  Investor, Realtor
Insurance Agent,
Mortgage Broker.

One of the requests I receive the most is for a list
of the top ten tips for success.

Here’s a list that addresses students as well as
professionals:

1-Be focused. Put everything you’ve got into what
you do every day.
2-Believe in yourself. If you don’t, no one else will.
3-Be tenacious.
4-Trust your instincts.

5-Maintain your momentum and keep everyone
moving forward
See yourself as victorious and leading a winning
team.

6-Be passionate about what you do.
7-Live on the edge. Do not become complacent.
Leadership is not a group effort. If you’re in
charge, then be in charge.
Never give up!

Wealth Creation:
Learn How the Millionaires Do It.
Five Insurance Policies Everyone Should Have
Protecting your most important assets is an important step
in creating a solid personal financial plan. The right
insurance policies will go a long way toward helping you
safeguard your earning power and your possessions.

TERM INSURANCE ADVANTAGES, TERM INSURANCE
GENERAL KNOWLEDGE. Buy the term, and invest the
difference.

THE IMPORTANCE OF INSURANCE IN SOMEONE'S LIFE!
Your Financial Plan; Insurance is an important element of
any sound financial plan
Different types of insurance protect you and your loved
ones in different ways against the cost of accidents,
illness, disability, and death.

INSURANCE KNOWLEDGE
LIFE INSURANCE ADVANTAGES, FEATURES AND
BENEFITS WHILE ALIVE AND AFTER DEATH. INSURANCE
GENERAL KNOWLEDGE, GLOBAL INSURANCE
INFORMATION FOR BETTER CHOICES, BETTER DECISION,
BETTER GUARANTEE  AND BETTER SATISFACTION. LEARN
MORE HERE...

INVESTMENT PRODUCTS:  Investing & Money Management
Basics.  FINANCIAL SOLUTIONS, TOOLS & RESOURCES.  
LEARN MORE...

..HOW TO OBTAIN AN INSURANCE LICENSE,  AND GET
HIRED,  START WORKING IMMEDIATELY WITH ONE OF THE
GREATEST INSURANCE COMPANY IN THE WORLD?
FREE INSURANCE SCHOOL, FREE  COURSE,  FREE
TRAINING, FREE FINGERPRINT, FREE BOOKS FOR THOSE
WHO LIVE IN MIAMI DADE AND BROWARD COUNTY
FLORIDA. LEARN MORE HERE...

Life Insurance
Life insurance, payable when you die, can provide a
surviving spouse, children, and other dependents with the
funds necessary to maintain their standards of living, can
help repay debt, and can fund education tuition costs.
LIFE INSURANCE QUOTE. LEARN MORE..

INSURANCE PRODUCTS: How to make profits with the
insurance companies?

INSURANCE TAXES:
The Death Tax Isn’t Dead--

State death-tax planning should be an important aspect of
the estate-
planning process. LEARN MORE...

Ways to Reduce Your Life Insurance Premium
While you can't do anything about two of the three main
factors affecting your insurance premium (age and family
medical history), there are steps you can take regarding
the third - lifestyle. You could lower your insurance
premium if you:

Annuities & Pensions Insurance
Basically, an annuity is just a series or stream of
payments. “Annuity” comes from the Latin for “year”. In the
context of life insurance, it is a contract between you and
an insurance company under which the insurance
company pays you money for a stipulated period.

Things to Remember When Buying Health-care
It’s always much easier and much less complicated
choosing healthcare coverage from your employer.


Your Health Insurance; and what it should Cover
How to analyzed the costs that you pay under your health-
care insurance plan. In this article we’ll look at some of
the basic coverages which should be included in your
policy.

Business Needs Business Insurance
Three Common Myths About Liability and Understanding
the Value of Insurance

Disability Income Insurance
Insurance?
If you were unable to work for an extended period of time
due to an injury or illness, how long would you be able to
pay your bills and meet your day-to-day expenses? LEARN
MORE...

LONG-TERM CARE INSURANCE: What is long-term care
insurance? Should you buy a long-term care policy? What
should you look for in a long-term policy?
FREE FINANCIAL ADVICE. WAYS TO SAVE MONEY,
MAKE MONEY, AND GET OUT OF DEBT!

PERSONAL FINANCE. What are you doing with your
money in the wake of the financial crisis? ---  Where
is the safe place to put money? My personal finance!

FINANCIAL FREEDOM: A SMARTEST WAY TO
PREPARE A BETTER FUTURE. Money-Making
Information You'll Need to Succeed

US ECONOMY, THE FINANCIAL SYSTEM, THE
CREDIT MARKET. WHAT'S GOING?

MONEY MANAGEMENT. Ten Resolutions to Make
Your Financial Life Easier

FINANCE: THE BANKING AND THE AMERICAN
FINANCIAL SYSTEM HISTORY, SUCCESS AND
FAILURE

SAVING MONEY: THE SECRETS OF SAVING; WAYS
TO SAVE A LOT OF MONEY AND GETTING RICHER

IRA / INDIVIDUAL RETIREMENT ACCOUNT. What is
an IRA? And what does it matter?

SOCIAL SECURITY; THE ULTIMATE RETIREMENT
GUIDE. HOW DOES SOCIAL SECURITY WORK?

FINANCIAL REPORT: How to bring your spending
under control, so that you get the most out of every
dollar. 8 Reasons to get pre-qualified for a mortgage
loan!

ESTATE PLANNING: Estate planning,  is it really the
process of accumulating and disposing of an estate
to maximize the goals of the estate owner to avoid
probate, to lower the tax?

Assets Protection: Don't Get Sued: Five Tips To
Protect Your Company! Types of Asset-Protection
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'' Different Ways You Can Invest in Equity Funds..

How To Buy Stock Through a 401(k) Plan?

How to Buy Stock Through a Mutual Fund?

Finding Investment Ideas for Your Portfolio
-------
''How to Buy Stock Through a Direct Stock Purchase
Plan or Dividend Reinvestment Plan ( DRIP)
'' What Is an Equity Fund? - Global Equity Funds  --
Domestic Equity Funds -

'' Equity Funds, Equity Income Funds, Dividend
Growth Funds, Index Equity Funds,
''   Roth IRA, Traditional IRA, Preferred Stock,
Common Stock, Bond Market,
Hedge Funds, Commodities Market, National Debt,
Fiscal Policy, Monetary Policy,
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Security Analyst,  Residential real estate,
Commercial real estate,


------------
How To Buy Stock Through a
401(k) Plan
Unless you have a self-directed 401(k) at a brokerage
firm -- and the odds are good that you don't -- you are
almost assuredly going to have to choose from a slate of
mutual funds chosen by your employer to get exposure
to stocks, buying indirectly as if you were purchasing a
mutual fund on your own.  

The Human Resource department can help you set up
your account, get your share of the free matching money
that may or may not be offered, and make sure
contributions are allocated to the funds you think best fit
your needs.
How to Buy Stock Through a
Mutual Fund?
If you don't want to pick individual stocks, but want to
own stocks regardless, your best bet is a mutual fund;
most likely a low-cost index fund for five reasons I
spelled out here.  

To understand how this works, you need to read an
article I wrote called "How a Mutual Fund Is Structured".

The short version is, you write a check  or have the
initial amount taken out of your bank account so your
money is pooled with other investors.

The fund managers then use the cash to go out and buy
stocks on your behalf, holding them in a centralized,
consolidated portfolio that is, itself, divided into shares
that you own.

In addition to a commission, which you might have to
pay, you indirectly pay your share of the fund's cost,
which is expressed as the mutual fund expense ratio.
What Is an Equity Fund?
An One of the more popular questions I see from new
investors is, "What is an equity fund?".  Though the
answer might be simple, it is only a starting point on
your journey because once you understand what equity
funds are, you still have to sort through the more than
10,000 publicly traded potential investments to find the
best fit for your family's portfolio.

My hope is to walk you through some of the basics so
you will better understand what you're seeing
whenever you look at a mutual fund prospectus or are
speaking with a registered investment advisor.
The Definition: What Is an Equity Fund?

An equity fund is a type of mutual fund or private
investment fund, such as a hedge fund, that buys
ownership in businesses (hence the term "equity")
most often in the form of publicly traded common
stock.  

Other times, the ownership is the form of so-called
private equity, which is when the equity fund invests in
privately held companies that aren't traded on the stock
market.
The common denominator with an
equity fund is the desire for fund
management to find good opportunities to
invest in businesses that will grow, throwing off
ever-increasing gushers of profit for the owners, as
opposed to a bond fund or fixed income fund, which
uses shareholder money to make loans to companies or
governments, collecting interest income.   
What Are the Different Types of Equity Funds?
Let's break it down by some of the
categories you are likely to
encounter.
Equity Funds Focused on
Geographic Mandate

International Equity Funds are those that
invest in stocks outside of the United States
Global Equity Funds are those that invest in
stocks around the world including those in the United
States but tend to favor foreign stocks by at least 80% of
their overall portfolio weighting

Worldwide Equity Funds are those that invest in stocks
around the world with no distinction between domestic or
international assets, following wherever the portfolio
managers or methodology dictate

Domestic Equity Funds are those that
invest in stocks solely in the home country of the investor
and issuer.  For most readers, this will be the United States.
Equity Funds Focused on
Market Capitalization
Mega Cap Equity Funds are those that
invest in stocks of the biggest companies in the world;
behemoths worth hundreds of billions of dollars like
Walmart or Berkshire Hathaway
Large Cap Equity Funds are those that
invest in companies with a large market capitalization
Mid Cap Equity Funds are those that invest in companies
with a medium market capitalization

Small Cap Equity Funds are those that
invest in companies with a small market capitalization
Micro Cap Equity Funds are those that invest in tiny
publicly traded companies worth a few million, or few tens
of millions of dollars, in market capitalization

Equity Funds Focused on Investing
Style

Private Equity Funds are those that
invest in privately held companies
that don't trade on the stock market.  They may setup a
limited liability company, infuse millions, or even billions, of
dollars into it, raise money by issuing bonds, and then
acquire businesses management believes it can improve.

Equity Income Funds are those that invest in
ownership of businesses that pay a significant dividend,
often measured by a history of dividend increases,
absolute and relative dividend yield, and conservative
dividend coverage ratios.

Dividend Growth Funds are those that
invest in ownership of businesses with a record
of increasing dividends per share at a much faster rate
than the stock market as a whole.

There are many different ways to make money with a
dividend growth strategy, they sometimes beat their
higher-yielding counterparts, and, in many cases, can make
wonderful buy-and-hold investments.
Index Equity Funds are those that
mimic an index such as the Dow Jones Industrial Average
or the S&P 500.  Though not always true, index equity funds
tend to have some of the lowest mutual fund expense
ratios.
Sector or Industry Specific Equity
Funds are those that track specific areas of the
economy, such as industries or sectors; e.g., discount
retailers or property and casualty insurance groups.  This
can be appealing for those who want to invest their money
in certain types of businesses, which may not be a bad idea
given that certain industries have disproportionately
produced high returns for owners.

In addition, equity funds can be bought as both traditional
mutual funds and as exchange traded funds, or ETFs`.  
Some investors tend to favor one type over the other but
there are advantages and disadvantages to both
depending upon how the mutual fund is structured and the
investor's goals, objectives, and preferences.
Different Ways You Can
Invest in Equity Funds

When you decide that investing in an equity fund is the
route you want to take for your portfolio, you have
several options that might make sense.  You can:

1. Open your own investment account
with a brokerage firm. It could be a full
service broker, or a discount broker.

2. Invest by opening an account directly
with a mutual fund family.

3. Invest by buying shares of an equity
mutual fund through a brokerage account..

4. Invest by buying shares of an equity mutual
fund through your 401(k) or 403(b) plan at work (note that
there are often different mutual fund share classes to
reward investors who put more money to work with an
asset management group)

5.  Open a Roth IRA or Traditional IRA at a brokerage firm
and use it to buy shares of an equity mutual fund

Just as with regular mutual funds, publicly traded equity
funds are required to distribute all dividend income and
realized capital gains (if any) to shareholders each year.  
As a result, you have to look at your total return, not just
the share price, which can be deceiving depending on
the level of distributions made in any given time period.  
Most brokerages and virtually all mutual fund companies
will allow you to automatically reinvest any distributions,
in whole or part, into more shares of the fund so you
increase your total ownership over time.
Steps to building wealth
These five simple rules will help keep your retirement
savings on track and growing for the long haul — and that
means a Future You who’s financially secure. Who doesn’t
like the sound of that?


1. Automate your savings
Life is busy. Maybe you noticed? That means you need to
make sure you’re contributing to your retirement account
automatically.

Because you know that any “must. do. this. now.” task that
suddenly stares you in the face — paying your credit card
bill, watching that puppy video — is going to feel much more
important in the moment than “saving money for some
future date decades away.”

You want your money quietly working for you in the
background, no matter what’s happening in your life or in
the world.

That’s where automatic savings comes in. And hey, you’ve
already nailed this with your 401(k). (Paycheck deductions,
anyone?)

With a little work upfront, you can mimic that process with
your IRA: Link your bank account to your IRA account and
set up regularly scheduled transfers.

(Some companies let employees automatically send money
to their IRA from each paycheck. Ask your employer if that’s
a perk at your workplace.)
--------------------

Steps to building wealth...

Since bonds are a more conservative investment than
stocks — they have less potential for growth, and less
potential to plunge in value — your investment account
would be riskier now compared with when you first created
your retirement portfolio.

If there were a stock market crash and your portfolio was
80% in stocks, rather than the 70% you’d originally chosen,
you’d be in for an unpleasant surprise.
--------------

To reduce that risk, you need to rebalance, which means
getting your investments back to the percentages you chose
originally.

(Now, if you’re investing in a target-date fund, you don’t
need to rebalance — the fund manager will do it for you. And
the same goes for many robo-advisors, which automatically
rebalance your portfolio. That’s one of the perks.)

Avoid high fees, THE HIGHER THE FEES, THE LESS
PROFIT YOU MAKE  

The same way that saving just a tiny bit more every year can
push your retirement savings to lofty heights, seemingly
small fees can have the opposite effect, taking a huge bite
out of your account over your lifetime — you could lose
more than $200,000 to fees in your 401(k) alone, according to
experts
-------------

Financial experts have different opinions on how often you
should rebalance.
Generally, once a year is fine for a well-diversified
investment portfolio.

Pick a date and make it your rebalancing holiday, celebrated
each year by spending a few minutes getting your
investments back into balance.
--------------

Consider your financial journey to a long
voyage in a huge sea, meaning that you absolutely
need certain equipments and guidance to reach your
destination with certainty.

You would need charts, maps, compasses, now today GPS,
a good skilled navigator in order to make the voyage safely
and successfully.


One of the important rules to make your financial voyage
successful should be: Do not try to do it just by yourself. It is
harder to win a game if you're alone than if you have a solid
team with you.
-------------

Second, do not look on what's works for her or him
because you're unique, and so are your goals, your
objectives, your risk tolerance, your aspiration, your
perception etc.

There is no one set of direction that will apply for everyone.
You should no sooner use someone else's financial plan,
guideline.

Remember, just like you have a family doctor, you have a
mechanic place to take your vehicle when there is a problem,
You probably not taking the chance to go to out alone
without a lawyer. It's absolutely okay to have a competent
financial advisor, a financial planner, a good CPA in your
team.

This type of professionals should be able to use their
expertise, their experience to help you in your financial
journey.

Consider a good financial expert as the navigator of your
ship, guiding it to port. But always remember you are the
captain, you decide the ports, the destination.

When choosing your navigator which is your financial guide,
it is important that you explore not only the candidates
qualifications, but also their affiliation, their experience.
-------------------

You Are In Charge Of Your Own Affairs

Always keep that in mind, no matter how good your team of
advisors may be; you are in charge of your financial destiny.

You are the captain of your ship, the mater of your destiny,
you must be in control of your financial affairs in order to
succeed. You must be able to retain the ultimate decision
making authority.

Planning is important, and you must know where you want
to reach

If you don't know where you're headed , how will you know
when you get there?

-------------------

Remember to distinguish between your
goal and your objectives.

Perhaps, your goal is to become independently wealthy. And
your objectives however, may be short term or long term

I personally suggest you not to incorporate the projected
payment benefits from the government into your expected
income stream for retirement.

Regardless of your stage of life, your pursuit of financial
independence will require knowledge and discipline
---------------

Dollar Cost Averaging...

Paying yourself first you authomaticaly taking advantage of
the strategy called: dollar cost averaging if you decide to
invest regularly, putting away a predetermined amount of
money on a regular basis regardless of the condition of the
market.

It is a proven way of building wealth.

The DCA works like that: Your dollars purchase fewer
shares when the market is up, but they buy more shares
when the market is down.

It is important to keep in mind that in order for dollar cost
averaging to work, you must have the financial resources in
the result to make the contributions.

-----------

The Prospectus..

Before you start invest in open-end mutual fund companies,
you must be given a current prospectus.

A fund's prospectus is its a governing document. It states
the fund's objectives, it is your owner's manual you must
find out what's in it for you. It is imperative that you take time
to read it.

The prospectus illustration usually has several parts, very
often three.

Usually the first part tells you about the fund,

The second part tells you how to purchase and redeem
shares, also it tells you about the features and benefits

And  the third part talks about how the company offering the
fund.

-------------------------------