knowledge financial group for Financial Literacy at: Khan Academy

In Life, You Only Have To Know
Two Things: #1. Know Who, &
Where To Get The Right
Information When You Need It.

#2.You Must Know That You Can Learn
Anything You Desire At Knowledge
Financial Group -
knowledgefinancialgroup.com

'' Free. For Everyone''

Welcome to our website, where you will
find a virtual library of informational
materials including articles, case studies,
videos, and more. We encourage you to
take advantage of all of our resources and
use them often.

Please add us to your “favorites” in your
web browser, as we update our content
often.

We would not want you to miss out on
anything that might relate to you or
someone you care about.

We hope your visit will help you better
understand the opportunities and rewards
available to you for taking an active
interest in your personal financial well-
being.

Take control of your learning by working on
the skills you choose at your own pace,
when you want, what you want, at anytime
you want.
Free online courses, training, conferences,
webinars, seminars, videos etc.

Real Estate - Insurance - Investing - Taxes -
Mortgages - Accounting - Finance -
Economy And More...
------------
We are a not‑for‑profit because we believe
in a free, world-class education for anyone,
anywhere.

That's why we've put thousands of hours
for our sites, blogs, social media pages.
Knowledge Financial Group -
knowledgefinancial.com is working
extremely hard to bring to everyone
satisfaction in education

We have created this website as a resource to help guide you through basic and advanced concepts of financial
planning such as retirement, college planning, investments, debt management, budgeting, estate planning, and
insurance just to name a few.

We are professionals dedicated to education and helping you navigate the journey toward your financial goals.

We want you to learn how to best help yourself, so we provide quick access to online resources and live personal
help when you need it.

'' Knowledge Research & Learning
Center''

Whether it’s finance, economy, real estate,
insurance, mortgage, investing, or kids
homework help, learning a new language,
repairing anything, medical & nursing field,
financial planning, estate planning, retirement
planning

Knowledge Financial Group -
KNOWLEDGEFINANCIALGROUP.COM database
can connect you to the information you need.

KNOWLEDGEFINANCIALGROUP.COM
{Knowledge Financial Group} '' Here You Can Learn Anything - Anywhere At Anytime ''

Life Insurance:
''Understanding how your
need is determined is crucial,
especially for families with unusual
debts, such as high medical bills, that
may not be considered in a
rudimentary-needs formula.

Once policy shoppers are sure
their insurance agent is taking all
of their current and future fiscal needs
into consideration, they can purchase
a policy that fits their family.

Financial Knowledge
Knowledge is power, and a well-rounded
education includes an understanding of financial
basics that are built upon with continued
learning.
----------------
Knowledge Financial Group is committed to
financial education, and we provide helpful tools
and resources that will benefit you, your friends
and your family.
----------------------
Knowledge Financial Group –
knowledgefinancial.com provides financial
training programs to individuals or organizations
looking to improve their financial knowledge or
to educate financial literacy to others.
---------------------
Everyone would love to run their finances in a
smarter and more effective way, but not
everybody has the proper resources to do so.
That’s why Knowledge Financial Group –
----------------
We have tailored most effective financial
education that features personal financial
investment training, financial literacy courses,
financial learning, planning and management
programs and solutions to prepare individuals
about financial matters.

Knowledge Financial Group, we are
committed to developing a closer
relationship with clients.

We want to provide you with better
service, more useful resources and
relevant educational information to help
you achieve your personal and financial
goals.

At knowledge financial group –
We have the knowledge and skills to get
you there.
Knowledge Financial Group; Because
Money Doesn’t Come With Instructions,
dealing with finances can be intimidating.

That's why we take the time to listen, learn
every individual goals and then make
recommendations.

KNOWLEDGEFINANCIALGROUP.COM, The Most
Educative – Instructive – Informative Website – Helpful
– Resourceful.

I encourage all internet users to use this valuable
resource knowledgefinancial.blogspot.com as well as
knowledge financial group.blogspot.com and also
facebook.com/ knowledgefinancial.

Those are helpful sources of excellent information,
magnificent tools to help people throughout life.

The best and brightest yet to come at
Knowledge Financial Group -
knowledgefinancialgroup.com

A look ahead at knowledge financial group
where the future of knowledge and
intelligence are connected

Useful tools and resources at knowledge
financial group -
KNOWLEDGEFINANCIALGROUP.COM

Join us, Like us, Follow us on social media -
Knowledge Financial Group

Have a career in the financial industry.
Achieve your financial goals by joining a sound, solid,
strong financial service and insurance company.

FREE License, free training, free courses, free books for
people living in Miami Dade, Broward, and Palm Beach
County Florida.

Knowledge is the main power to prevention.

Knowledge is the number one ingredient to
wealth.

Knowledge is the pathway to financial security,
freedom, and independence.
Guess What? The best knowledge starts here at
knowledge financial group -

''ANGENT ANTONY For
Real Estate Buyers &
Sellers Is On Twitter''-

''{Visionaire Business
Center} Visionairebiz Is On
Twitter''-

''{Financial Academy
School} Financialschool Is
On Twitter''-

''Nurses Of America /
NursingAlliance Of
America is on Twitter''-

''Financial Academy School -
Academy Of Finance Is On
Facebook''-

'' Insurance Of America Is On
Facebook''-

'' Antony Real Estate - For
Buyers & Sellers Is On
Facebook''-

''Nurses Of America -
NursingAlliance Is On
Facebook''-

' 'Visionairequotes -
Inspirational Words Of
Wisdom Is On Facebook''-

''Money Making Network
Organization Is On
Facebook''-

''Buy Here Market Enterprise
LLC is on facebook''-

'' Visionaire Business
Center: Visionairebiz is on
facebook''-

'' REAL ESTATE'S
BLOGS!
'' Miami Dade, Broward, Palm
Beach County Real Estate
Investments – REAL ESTATE
MARKET: TODAY’S GREAT
DEALS FOR EVERYONE AS
NEVER SEEN BEFORE!
WONDERFUL OPPORTUNITY
TO CREATE TREMENDOUS
AMOUNT OF WEALTH..

'' Real Estate Buyers And
Sellers: What Do Buyers And
Sellers Pay At Closing? What
Do Buyers And Sellers Pay In
Closing Costs?

'' WHY INVESTING IN TODAY’S
REAL ESTATE MARKET IS A
WONDERFUL IDEA? That home-
ownership provides a variety
of tangible and intangible
benefits a community.

'' HOW AND WHERE TO FIND
MONEY TO INVEST IN REAL
ESTATE. Find money here,
money there, mortgage
house..

'' Real Estate Investing:
Commercial Real Estate
Investing For Profits. HOW,
WHEN & WHY? THE 12
GREATEST ADVANTAGES IN
REAL ESTATE INVESTMENT..

''Rent-to-Own: South
Florida Real Estate Guide For
Home Buyers And Home
Sellers. Rent-to-Own: New
Mortgage Rules Can Make
This Very Appealing..

'' REAL ESTATE INVESTING:
WHOLESALING ASSIGNMENT
CONTRACT. REAL ESTATE
INVESTING WHOLESALING
ASSIGNMENT CONTRACT..

''' Real Estate Investing: The
10 Commandments Of Buying
Properties With No Money
And, Or No Credit...

'' BLOGS: THE BLOG THE PAGE
OF KNOWLEDGEFINANCIAL.
COM /..

'' Reasons To Buy A Home In
This Market... Real Estate
Zone The Marketplace To
Build Great Wealth. Real
Estate Investing: The 10
Commandments Of Buying
Properties With No Money
And, Or No Credit. READ
MORE =

'' Real Estate Investment
News & Blogs.. Smart Real
Estate Investing Strategies
for Today’s Market.. Income
Creation Strategy = Cash
Flow Strategy = Passive
Investing Strategy.. How to
Negotiate Your Best Real
Estate Deal =

'' Buyers And Sellers: What
Do Buyers And Sellers Pay In
Closing Costs?
Real Estate Closing Process
Questions To Ask Yourself..
Crucial Questions.
LEARN MORE =

'' Home Ownership -
Affordability - Why Rent
When You Can Buy
Real Estate investing
strategies: Multiple ways to
acquire real estate
properties at your
advantage... LEARN MORE
HERE..

'' Investment Homes - Income
Producing Properties.. Why,
How, When And What?
Factors To Consider When
Buying A property.. LEARN
MORE HERE..

'' Learn More About Real
Estate Investing: Contract For
Deed - Land Contract - Option
Contract - Assignment
Contract - Wholesaling ...
READ MORE //

'' Real Estate Investing Guide
The Right Strategy For The
Right Market. Learn about the
three principal ways of real
estate.. 1. Buy to live in ---- 2.
Buy to rent out And 3. Buy to
sell... READ MORE..

'' Real Estate Mortgage Home
Loan: WHAT GUIDELINES ARE
REQUIRED FOR A MORTGAGE
LOAN? HOW TO UNDERSTAND
THE HOME LOAN PROCESS?
LEARN MORE '

'' REAL ESTATE MILLIONAIRE
FANS CLUB INTERNATIONAL -
Real Estate Down-payment
Assistance Programs /Real
Estate Financing Methods...

'' How To Get Prequalify For
Mortgage Loan? Home Loan
Pre-Approval Process Made
Easy. FHA, VA, USDA &
Conventional. Easy Steps..
READ MORE..

'' Real Estate Investing:
WHERE AND HOW TO FIND
MONEY TO INVEST IN REAL
ESTATE? // Real Estate is the
simplest, fastest, and most
productive way to generate
significant sums of immediate
cash. LEARN MORE...

'' REAL ESTATE WORLD CLASS
SERVICE FOR BUYERS -
SELLERS. Which one is better?
What is the difference between:
Houses, townhouse or
townhome, Co-Op =
Cooperative Property,
CONDOMINIUMS, Single Family
Home, manufactured home,
Timeshare: What is a
timeshare? LEARN MORE
HERE...

'' Real Estate Location:
Business Success starts with a
great location!
A place to live in {Residential
Property} starts also with a
great location! Here's what you
really need to know about
location...

'' Million dollar recipes to your
residential real estate wealth
Creative financing that works.
Real Estate Service For
Investors, Buyers And Sellers...
The Real Estate strategy That
Everyone Should Know About...

'' Rent vs. Buy: Home
Ownership - Affordability - Why
Rent When You Can Buy?
Antony Real Estate. LEARN
MORE about the Benefits of
Real Estate Investing =M

'' Learn How To Evaluate REAL
ESTATE Deals – Learn how to
evaluate markets..
What's a better time to invest in
real estate? The Fundamentals
of a Successful Real Estate
Wholesaling Business... LEARN
MORE RIGHT HERE..

' Insurance Protection'' Protecting
the ones you love is the first and
most important step in a solid
financial plan.

If you die unexpectedly, only life insurance can
help you keep the promises you make to your
family about the future come true: financial
security, staying in your home, a college education
and so much more.

Find out which policy might best
help you. RIGHT HERE, RIGHT
NOW..

Life Insurance:
Think you have enough life insurance? Think
again... Perhaps you may be under coverage.
Talk to us to learn more.

May be it's time to upgrade your insurance
policy?

Take advantage of the new products they
may be the best for you....

Agent like Anthony Jeanty in
south Florida is Helping men
and women achieve financial
security. Contact us...

We all want to have enough income to live
comfortably for a long time.

Guaranteed lifetime income products that help
you both accumulate assets for retirement and
provide a monthly income you can't outlive.

No matter where you are in your retirement
income planning, help is available..

'' Life Insurance:
When you buy life insurance, you buy peace of
mind. You can feel confident that your family
will be protected -- financially -- if something
were to happen to you.

But that protection can be pricey if you want a
policy that covers you throughout your lifetime.
A way to defray those costs is to take out a term
life insurance policy.

South Florida, we can
help. Just contact us...

Life insurance comes in
many varieties, but the two primary
ones are term life insurance and permanent
life insurance.

Term life costs less than
permanent and covers you for a
certain period of time. A married couple with
young children may take out a 20-year term
life insurance policy to pay college tuition
for their children in the event of their deaths.

'' Permanent life insurance
doesn't expire, but is intended to last
your entire life. It could be used, for
example, to provide for a child with special
needs after the death of the parents.

A blended life insurance policy starts out as
a combination of term and permanent.

'' Permanent life insurance can
cost a pretty dollar, while term
life insurance can be relatively
cheap, but also a very good
policy . A blended life insurance policy gives
you the best of both worlds and can lower your
annual life insurance premium.

"If you want a certain level of coverage, then a
blended policy produces lower premiums than an
all-permanent life policy would.

What's more, if the insurance company isn't
doing well financially, costs can be passed on to
the policyholder in a blended life insurance policy,
"With permanent (life), you are paying more
money upfront to mitigate the risk,"

Life insurance is a great way to
prepare for life’s unexpected
moments.
With Life insurance, you can
know that no matter what
tomorrow may bring, your family’
s financial future is ensured.

In south Florida, we're here to
help, we're here serve. Contact
us...

--------------
With permanent life insurance,
dividends are going back into
the policy, which means the amount of cash
in the policy will continue to grow.

With blended life insurance, the
dividends are used to buy more permanent
coverage, which means the payout on the policy
will stay the same until the policy is completely
converted to a permanent policy. That process
can take years.

If you don't need a policy with an increasing
reserve of cash value, a blended policy may be a
good fit,

Blended Life Insurance Policy:
Blended life insurance hasn't been enormously
popular with insurance brokers because the
lower annual premiums mean smaller
commissions.

Still, many insurance companies offer blended
life insurance, so make sure to ask about it.

Anthony the south Florida
insurance representative
recommends talking with
several insurance agents.

"The only money they make is the money you
pay them,". "They don't have an incentive to
blend or not to blend your policy. The only
incentive is to help you make the right choice."

A major drawback to blended life insurance is
the risk that the premium, or the amount you pay
for the policy, will increase over time.

With a blended life policy, if interest rates go
down or the insurance company is struggling,
you may have to pay more to maintain your
coverage

'' Term Life Insurance:
When to terminate a term life
policy
By Adony of Knowledge
Financial group -
knowledgefinancial.com

Some people seem to think of term life
insurance as a kind of a marriage, holding on
to the policy in sickness and in health, till death
do they part.

But financial experts said that at some point,
life circumstances may change so that it
makes sense to split with the policy. Just like
marriage..

"Once you are out of debt with your house
paid for, your kids grown and you have been
investing in real estate, mutual funds and
toward retirement for while, you will be
self-insured,

'' Life Insurance Death, with
benefits''

Experts have long touted term life as a far
more affordable alternative to traditional whole
or universal life insurance
(also known as permanent life insurance).

Instead of buying a whole life policy, you could
get term for a fraction of the cost and then
invest the difference for better return.

Said Anthony Jeanty the
south Florida Insurance
Advisor. "
The rate of return is historically low on whole
life and universal life policies.

It makes more sense to invest the money in a
good growth stock mutual fund."

As its name implies, term is designed to cover
you for a specific period -- anywhere from 10
to 30 years

'' Buy a Term Life Insurance in the
early age is advantageous. The earlier,
the better it is, the less you pay, and
the more coverage you receive.

Said Anthony Jeanty, Insurance
Professional in the state of
Florida.

Term coverage and premiums usually vary by
age, sex, lifestyle and insurability (typically
determined by a medical exam).

But with "level term," your coverage and
premiums remain stable over the life of the policy.
Most term policies are often only renewable to
age 75, 80 or 85.
Tterm life insurance policy.

NOTE: While term's premiums are low and policy
features surprisingly uncomplicated,
it does not accumulate any cash value the way
permanent life policies do.

Your age may determine how you react to that
fact.
Young people just starting out tend to view the
high face value of their term policy as a
guaranteed lottery win for their spouse, while
those looking to scale back spending in
retirement may view a term premium as a rocket
going up through the sky.

Life Insurance
There’s nothing more important than
family, and for longtime,

Anthony Jeanty has been
helping families like yours
protecting their financial future
with Life insurance.

So let us help you, let us help your
friends, your church members, your
Relatives.

Count On Us For The Best
Service, Excellent Plan, Good
Price, Great Company.

Contact Anthony Jeanty, The
South Florida Finest Insurance
Agent.

LIFE INSURANCE INFORMATION
CENTER...
Explore our Life insurance resource center at
Knowledge Financial Group – knowledgefinancial.
com to learn how to get started, and help you
better understand your own Life insurance needs.

We understand that Life insurance is a personal
decision, and not one to make lightly.

That’s why we have knowledgeable agents always
ready to help you with the information you may
need to guide you through the Life insurance
process.
Let’s Get Smarter About Insurance. CONTACT
ANTHONY THE FLORIDA INSURANCE
SPECIALIST.. WE'RE HERE TO HELP..

'' Questions about your policy?
Not sure if you have enough coverage?
Wondering what your policy covers?
We at knowledge financial group –
knowledgefinancial.com we can help answer your
most pressing questions.
PLEASE CONTACT A REPRESENTATIVE HERE...

'' Find An Agent In Florida
Discover solutions to help meet
your financial goals.

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

Not sure which type of life
insurance is right for you?
Choosing life insurance is a big
step. Let us help by showing
your options side by side.

What Is a Registered
Investment Advisor?

Registered Investment Advisors (RIAs) are
professional independent advisory firms that
provide personalized financial advice to their
clients, many of whom have complex financial
needs.
Because these advisors are independent, they
are not tied to any particular family of funds or
investment products.

As fiduciaries, RIAs are held to the highest
standard of care – and are required to act in
the best interests of their clients at all times.
They are registered with either the Securities
and Exchange Commission or state securities
regulators.

Why Does Independence
Matter as an Advisor?

Many independent advisor firms are owned by
the individual advisors who run them, so they
forge deep, personal relationships and have a
strong sense of accountability to their clients.

As one of the fastest-growing areas within the
financial services industry.

--------------------
Benefits:

Customized guidance based on your entire
financial picture.
A relationship that's responsive, attentive, and
personal.
A fee structure that is simple and transparent.
A high level of expertise to support your
complex financial needs.
Your money is held by an independent
custodian, not the advisor firm.
-------------------

Financial Analyst
A financial analyst, securities analyst,
research analyst, equity analyst, investment
analyst, or rating analyst is a person who
performs financial analysis for external or
internal clients as a core part of the job.

Real Estate Brokers and Sales
Agents

Real estate brokers and sales agents help
clients buy, sell, and rent properties.

Although brokers and agents do similar work,
brokers are licensed to manage their own real
estate businesses.

Sales agents must work with a real estate
broker.

Investment banking
An investment bank is a
financial institution that assists
individuals, corporations, and
governments in raising
financial capital by
underwriting or acting as the
client's agent in the issuance
of securities (or both).
----------------------

'Investment
Banking '

Investment banking is a
specific division of banking
related to the creation of
capital for other companies,
governments and other
entities. Investment banks
underwrite new debt and
equity securities for all types of
corporations, aid in the sale of
securities, and help to facilitate
mergers and acquisitions,
reorganizations and broker
trades for both institutions and
private investors. Investment
banks also provide guidance to
issuers regarding the issue
and placement of stock.

'Brokerage Account'

An arrangement between an investor and a
licensed brokerage firm that allows the
investor to deposit funds with the firm and
place investment orders through the
brokerage, which then carries out the
transactions on the investor's behalf.

The investor owns the assets contained in
the brokerage account and must usually
claim as income any capital gains he or she
incurs from the account.
-----------------

Brokerage Houses
One of the most common, and easiest, ways
of buying and selling stocks, mutual funds
and bonds is through a brokerage house.

These companies typically require you to
open an account with them, and deposit
funds as an act of good faith.

Brokerages are popular because they,
rather than you, do much of the
behind-the-scenes work, allowing you to
focus on when and what to buy or sell.

Full-Service Broker
In the past, this was the main method for
investors to enter into the securities market.

Investors would simply contact their
full-service brokers, and have them
purchase different stocks and bonds.

These transactions are quite straightforward,
and full-service brokers will typically call
their clients and provide recommendations
for buying or selling particular securities.

Discount Broker
Discount brokerages have become
increasingly popular with investors thanks
to their ever-decreasing commission fees.

These brokerages, like large supermarkets,
provide investors with almost everything
they need at a low cost.

However, this also means that investors
have to do most of the work themselves.
At almost all discount brokerages, you can
buy stocks, bonds or mutual funds either by
calling one of the investment
representatives, or by transacting these
securities yourself on the internet.

'' Ecucation is what? Knowledge is
what? Learn Everything You Want
here. Yes I said everything.. LEARN
MORE HERE, CONTINUE
READING...

'' FINANCIAL STATEMENTS: Beginners' Guide to Financial
Statements
The Basics''...

If you can read a nutrition label or a baseball box score, you can learn to read basic financial statements. If you can follow a
recipe or apply for a loan, you can learn basic accounting. The basics aren’t difficult and they aren’t rocket science.

This brochure is designed to help you gain a basic understanding of how to read financial statements. Just as a CPR class
teaches you how to perform the basics of cardiac pulmonary resuscitation, this brochure will explain how to read the basic
parts of a financial statement. It will not train you to be an accountant (just as a CPR course will not make you a cardiac doctor),
but it should give you the confidence to be able to look at a set of financial statements and make sense of them.

Let’s begin by looking at what financial statements do.

“Show me the money!”

We all remember Cuba Gooding Jr.’s immortal line from the movie Jerry Maguire, “Show me the money!”
Well, that’s what financial statements do. They show you the money. They show you where a company’s money came from,
where it went, and where it is now.

There are four main financial statements. They are: (1) balance sheets; (2) income statements; (3) cash flow statements; and (4)
statements of shareholders’ equity. Balance sheets show what a company owns and what it owes at a fixed point in time.
Income statements show how much money a company made and spent over a period of time. Cash flow statements show the
exchange of money between a company and the outside world also over a period of time. The fourth financial statement, called
a “statement of shareholders’ equity,” shows changes in the interests of the company’s shareholders over time.

Let’s look at each of the first three financial statements in more detail.

Balance Sheets
A balance sheet provides detailed information about a company’s assets,
liabilities and shareholders’ equity.

Assets are things that a company owns that have value. This typically means they can either be sold or
used by the company to make products or provide services that can be sold. Assets include physical property, such as plants,
trucks, equipment and inventory. It also includes things that can’t be touched but nevertheless exist and have value, such as
trademarks and patents. And cash itself is an asset. So are investments a company makes.

Liabilities are amounts of money that a company owes to others. This can include all kinds of obligations, like money borrowed
from a bank to launch a new product, rent for use of a building, money owed to suppliers for materials, payroll a company owes
to its employees, environmental cleanup costs, or taxes owed to the government. Liabilities also include obligations to
provide goods or services to customers in the future.

Shareholders’ equity is sometimes called capital or net worth. It’s the money that would be left if a company sold all of its
assets and paid off all of its liabilities. This leftover money belongs to the shareholders, or the owners, of the company.

The following formula summarizes what a balance sheet shows:

ASSETS = LIABILITIES + SHAREHOLDERS' EQUITY

A company's assets have to equal, or "balance," the sum of its liabilities and
shareholders' equity.

A company’s balance sheet is set up like the basic accounting equation shown above. On the left
side of the balance sheet, companies list their assets. On the right side, they list their liabilities and shareholders’ equity.
Sometimes balance sheets show assets at the top, followed by liabilities, with shareholders’ equity at the bottom.

Assets are generally listed based on how quickly they will be converted into
cash.
Current assets are things a company expects to convert to cash within one year. A good example is inventory. Most companies
expect to sell their inventory for cash within one year. Noncurrent assets are things a company does not expect to convert to
cash within one year or that would take longer than one year to sell. Noncurrent assets include fixed assets. Fixed assets are
those assets used to operate the business but that are not available for sale, such as trucks, office furniture and other
property.

Liabilities are generally listed based on their due dates.
Liabilities are said to be either current or long-term. Current liabilities are obligations a company expects to pay off within the
year. Long-term liabilities are obligations due more than one year away.

Shareholders’ equity is the amount owners invested in the company’s stock plus or minus the
company’s earnings or losses since inception. Sometimes companies distribute earnings, instead of retaining them. These
distributions are called dividends.

A balance sheet shows a snapshot of a company’s assets, liabilities and shareholders’ equity at the end of the reporting
period. It does not show the flows into and out of the accounts during the period.
---------------

Income Statements
An income statement is a report that shows how much revenue a company earned over a specific time period (usually for a
year or some portion of a year). An income statement also shows the costs and expenses associated with earning that
revenue. The literal “bottom line” of the statement usually shows the company’s net earnings or losses. This tells you how
much the company earned or lost over the period.

Income statements also report earnings per share (or “EPS”). This calculation tells you
how much money shareholders would receive if the company decided to distribute all of the net earnings for the period.
(Companies almost never distribute all of their earnings. Usually they reinvest them in the business.)

To understand how income statements are set up, think of them as a set of
stairs. You start at the top with the total amount of sales made during the accounting period. Then you go down, one step
at a time. At each step, you make a deduction for certain costs or other operating expenses associated with earning the
revenue.

At the bottom of the stairs, after deducting all of the expenses, you learn how much the company actually earned or lost during
the accounting period. People often call this “the bottom line.”

At the top of the income statement is the total amount of money brought in from sales of products or services. This top line is
often referred to as gross revenues or sales. It’s called “gross” because expenses have not been deducted from it yet. So the
number is “gross” or unrefined.

The next line is money the company doesn’t expect to collect on certain sales. This could be due,
for example, to sales discounts or merchandise returns.

When you subtract the returns and allowances from the gross revenues, you arrive at the company’s net revenues. It’s called
“net” because, if you can imagine a net, these revenues are left in the net after the deductions for returns and allowances
have come out.

Moving down the stairs from the net revenue line, there are several lines that
represent various kinds of operating expenses. Although these lines can be reported in various
orders, the next line after net revenues typically shows the costs of the sales. This number tells you the amount of money the
company spent to produce the goods or services it sold during the accounting period.

The next line subtracts the costs of sales from the net revenues to arrive at a subtotal called “gross profit” or sometimes
“gross margin.” It’s considered “gross” because there are certain expenses that haven’t been deducted from it yet.

The next section deals with operating expenses.
These are expenses that go toward supporting a company’s operations for a given period – for example, salaries of
administrative personnel and costs of researching new products. Marketing expenses are another example. Operating
expenses are different from “costs of sales,” which were deducted above, because operating expenses cannot be linked
directly to the production of the products or services being sold.

Depreciation is also deducted from gross profit.
Depreciation takes into account the wear and tear on some assets, such as machinery, tools and furniture, which are used
over the long term. Companies spread the cost of these assets over the periods they are used. This process of spreading
these costs is called depreciation or amortization. The “charge” for using these assets during the period is a fraction of the
original cost of the assets.

After all operating expenses are deducted from gross profit, you arrive at operating
profit before interest and income tax expenses. This is often called “income from
operations.”
----------------

Next companies must account for interest income and
interest expense.
Interest income is the money companies make from keeping their cash in interest-bearing savings accounts, money market
funds and the like. On the other hand, interest expense is the money companies paid in interest for money they borrow.

Some income statements show interest income and interest expense separately. Some income statements combine the two
numbers. The interest income and expense are then added or subtracted from the operating profits to arrive at operating
profit before income tax.

Finally, income tax is deducted and you arrive at the bottom
line: net profit or net losses. (Net profit is also called net income or net earnings.) This tells you how much the company
actually earned or lost during the accounting period. Did the company make a profit or did it lose money?
--------------------

Earnings Per Share or EPS
Most income statements include a calculation of earnings per share or EPS. This calculation tells you how much money
shareholders would receive for each share of stock they own if the company distributed all of its net income for the period.

To calculate EPS, you take the total net income and divide it by the number
of outstanding shares of the company.
---------------

Cash Flow Statements
Cash flow statements report a company’s inflows and outflows of cash. This is important because a company needs to have
enough cash on hand to pay its expenses and purchase assets. While an income statement can tell you whether a company
made a profit, a cash flow statement can tell you whether the company generated cash.

A cash flow statement shows changes over time rather than absolute dollar amounts at a point in time. It uses and reorders the
information from a company’s balance sheet and income statement.

The bottom line of the cash flow statement shows the net increase or decrease in cash for the period. Generally, cash flow
statements are divided into three main parts. Each part reviews the cash flow from one of three types of activities: (1)
operating activities; (2) investing activities; and (3) financing activities.
-----------------

Operating Activities
The first part of a cash flow statement analyzes a company’s cash flow from net income or losses. For most companies, this
section of the cash flow statement reconciles the net income (as shown on the income statement) to the actual cash the
company received from or used in its operating activities. To do this, it adjusts net income for any non-cash items (such as
adding back depreciation expenses) and adjusts for any cash that was used or provided by other operating assets and
liabilities.

Investing Activities
The second part of a cash flow statement shows the cash flow from all investing activities, which generally include purchases
or sales of long-term assets, such as property, plant and equipment, as well as investment securities.

If a company buys a piece of machinery, the cash flow statement would reflect this activity as a cash outflow from investing
activities because it used cash.
If the company decided to sell off some investments from an investment portfolio, the proceeds from the sales would show up
as a cash inflow from investing activities because it provided cash.
---------------

Knowledge or else: If you think acquiring education or knowledge is expensive, then try ignorance. If not visit more often knowledge
financial group - knowledgefinancialgroup. more often, Why? Is just because that's where the real knowledge is... And also at Femkonsa
Capital Investment.. = Here you can learn a lot about: Investment Bank, brokerage

KNOWLEDGEFINANCIALGROUP.COM

Knowledge Financial Group is an absolute source of financial
information, we bring financial wellness to more people. We bring
financial education to the youth, and financial literacy to the less
fortunate. Like Us @ facebook.com/ knowledgefinancial Follow Us
@ twitter.com/financialschool - Check us ou @ knowledgefinancial.
blogspot.com - Connect with us @ Linkedin.
com/in/knowledgefinancial
----------
Financial Knowledge - Financial Education - Financial Literacy @
KNOWLEDGE FINANCIAL GROUP.
Our Philosophy: is that to see more people become financially
independent, in order to accomplish that you need to focus on
those things that you can control rather than those that you can’t
control.
Life is unpredictable, You must be prepared. Focus on your own
personal time management and precision decision making and
action taking.”
----------------
As a member of: Knowledge Financial Group “I enjoy sharing
resourceful information. I believe in financial education and hope
for every reader and every follower to seek practical information
in order to realize their own financial well-being.” At KNOWLEDGE
FINANCIAL GROUP, we are for eradicating financial illiteracy, and
promoting financial education.
-----------
BUYHEREMARKET ENTERPRISE - I love exploring the market
trends, stocks, index funds, exchange traded funds, ETF's and
bonds . There is always something to learn or understand, which
motivates me to make an extra effort to study, to learn something
new on a regular basis.

Increase your knowledge in finance and investing @ Fruital Investment Group - And Visionone Holding Company -
Also At: Visionone Capital Management.
YOUTUBE.COM/USER/KNOWLEDGEFINANCIAL

Good news: ETFs let you zag when the market zigs.
International ETFs...
Don’t like what you see at home? International ETFs give you access to more opportunities. MONEYWISERS.BLOGSPOT.COM

Index funds help people purchase a larger part of the market instead of stocks in one or two companies.
KNOWLEDGEFINANCIALGROUP.BLOGSPOT.COM

Index funds give you diversified access to all the companies you know and love. LINKEDIN.COM/IN/KNOWLEDGEFINANCIAL
---------
Maximize your tax return with the help of:
Buyheremarket Enterprise - And Visionaire Business Center.

Save more - Spend Less and invest part of your hard earned money to secure a better tomorrow. TWITTER.COM/FINANCIALSHOOL
-------------
This year, Invest in Something, or invest more in something, somehow, somewhere...
You have big dreams. Knowledge Financial Group gives you access to quality investment information to help you achieve them. Let’s tackle
the markets together.
FACEBOOK.COM/KNOWLEDGEFINANCIALGROUP

Knowledge is the main power to prevention.

Knowledge is the number one ingredient to wealth.

Knowledge is the pathway to financial security, freedom,
and independence.

Guess What?
The best knowledge starts here at knowledge financial
group - KNOWLEDGEFINANCIALGROUP.COM

KNOWLEDGEFINANCIALGROUP.COM
is an absolute trusted source for investors, traders,
entrepreneur and business oriented people.

Financial Knowledge At Knowledge Financial Group
Knowledge is power, and a well-rounded education includes an
understanding of financial basics that are built upon with
continued learning.
----------------
Knowledge Financial Group is committed to financial
education, and we provide helpful tools and resources that will
benefit you, your friends and your family.
----------------------
Knowledge Financial Group –
KNOWLEDGEFINANCIALGROUP.COM provides financial
training programs to individuals or organizations looking to
improve their financial knowledge or to educate financial
literacy to others.
---------------------
Everyone would love to run their finances in a smarter and
more effective way, but not everybody has the proper
resources to do so.
That’s why Knowledge Financial Group –
----------------
We have tailored most effective financial education that
features personal financial investment training, financial literacy
courses, financial learning, planning and management
programs and solutions to prepare individuals about financial
matters.

Financing Activities

The third part of a cash flow statement shows the cash flow from all financing activities. Typical sources of cash flow include cash raised by selling stocks
and bonds or borrowing from banks. Likewise, paying back a bank loan would show up as a use of cash flow.
------------------

Read the Footnotes

A horse called “Read The Footnotes”. He finished seventh, but if he had won, it would have been a victory for financial literacy proponents everywhere. It’s
so important to read the footnotes. The footnotes to financial statements are packed with information. Here are some of the highlights:
•Significant accounting policies and practices – Companies are required to disclose the accounting policies that are most important to the portrayal of the
company’s financial condition and results. These often require management’s most difficult, subjective or complex judgments.

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

•Income taxes – The footnotes provide detailed information about the company’s current and deferred income taxes. The information is broken
down by level – federal, state, local and/or foreign, and the main items that affect the company’s effective tax rate are described.

-----------------------
•Pension plans and other retirement programs – The footnotes discuss the company’s pension plans and
other retirement or post-employment benefit programs. The notes contain specific information about the assets and costs of these programs, and indicate
whether and by how much the plans are over- or under-funded.

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

•Stock options – The notes also contain information about stock options granted to officers and employees, including the method of
accounting for stock-based compensation and the effect of the method on reported results.

Read the MD&A
You can find a narrative explanation of a company’s financial performance in a section of the quarterly or annual report entitled, “Management’s Discussion
and Analysis of Financial Condition and Results of Operations.” MD&A is management’s opportunity to provide investors with its view of the financial
performance and condition of the company.

It’s management’s opportunity to tell investors what the financial statements show and do not show, as well as important trends and risks that have shaped
the past or are reasonably likely to shape the company’s future.

The SEC’s rules governing MD&A require disclosure about trends, events or uncertainties known to management that would
have a material impact on reported financial information. The purpose of MD&A is to provide investors with information that the company’s management
believes to be necessary to an understanding of its financial condition, changes in financial condition and results of operations. It is intended to help
investors to see the company through the eyes of management. It is also intended to provide context for the financial statements and information about the
company’s earnings and cash flows.
---------------
Financial Statement Ratios and Calculations
You’ve probably heard people banter around phrases like “P/E ratio,” “current ratio” and “operating margin.” But what do these terms mean and why don’t
they show up on financial statements? Listed below are just some of the many ratios that investors calculate from information on financial statements and
then use to evaluate a company. As a general rule, desirable ratios vary by industry.

•Debt-to-equity ratio compares a company’s total debt to shareholders’ equity. Both of these numbers can be found on a company’s balance sheet. To
calculate debt-to-equity ratio, you divide a company’s total liabilities by its shareholder equity, or
-------------------------

Debt-to-Equity Ratio = Total Liabilities / Shareholders’ Equity
If a company has a debt-to-equity ratio of 2 to 1, it means that the company has two dollars of debt to every one dollar shareholders invest in the company. In
other words, the company is taking on debt at twice the rate that its owners are investing in the company.

•Inventory turnover ratio compares a company’s cost of sales on its income statement with its average inventory balance for the period. To calculate the
average inventory balance for the period, look at the inventory numbers listed on the balance sheet. Take the balance listed for the period of the report and
add it to the balance listed for the previous comparable period, and then divide by two.

(Remember that balance sheets are snapshots in time. So the inventory balance for the previous period is the beginning balance for the current period, and
the inventory balance for the current period is the ending balance.) To calculate the inventory turnover ratio, you divide a company’s cost of sales (just
below the net revenues on the income statement) by the average inventory for the period, or

--------------
Inventory Turnover Ratio = Cost of Sales / Average Inventory for the Period
If a company has an inventory turnover ratio of 2 to 1, it means that the company’s inventory turned over twice in the reporting period.
•Operating margin compares a company’s operating income to net revenues. Both of these numbers can be found on a company’s income statement. To
calculate operating margin, you divide a company’s income from operations (before interest and income tax expenses) by its net revenues, or
---------------------
Operating Margin = Income from Operations / Net Revenues
Operating margin is usually expressed as a percentage. It shows, for each dollar of sales, what percentage was profit.
•P/E ratio compares a company’s common stock price with its earnings per share. To calculate a company’s P/E ratio, you divide a company’s stock price by its
earnings per share, or
-------------------

P/E Ratio = Price per share / Earnings per share
If a company’s stock is selling at $20 per share and the company is earning $2 per share, then the company’s P/E Ratio is 10 to 1. The company’s stock is
selling at 10 times its earnings.
•Working capital is the money leftover if a company paid its current liabilities (that is, its debts due within one-year of the date of the balance sheet) from its
current assets.

----------------
Working Capital = Current Assets – Current Liabilities
Bringing It All Together

Although this brochure discusses each financial statement separately, keep in mind that they are all related. The changes in assets and liabilities that you
see on the balance sheet are also reflected in the revenues and expenses that you see on the income statement, which result in the company’s gains or
losses.

Cash flows provide more information about cash assets listed on a balance sheet and are related, but not equivalent, to net income shown on the income
statement. And so on. No one financial statement tells the complete story. But combined, they provide very powerful information for investors. And
information is the investor’s best tool when it comes to investing wisely.

Financial Knowledge - Financial Education / The Fundamental Of Investing / Everything Entrepreneurs - Investors - Traders -
Business People Need To Know...
Knowledge Financial Group -BUYHEREMARKET.BLOGSPOT.COM is an
absolute trusted source for education and knowledge ...
--------
WHY NOT INVITED YOUR FRIENDS TO WHERE THE
KNOWLEDGE IS? facebook.com/knowledgefinancialcialgroup
--------
Knowledge is the most powerful ingredient in the recipe of
success. knowledgefinancialgroup.blogspot.com

Sufficient Knowledge To Live Comfortable''
The Fundamental Of Investing at KNOWLEDGE FINANCIAL GROUP - KNOWLEDGEFINANCIALGROUP.COM
======
What Everyone Should Know To Take Control Of Their Finances And Retirement Planning... By
Anthony Of: Knowledge Financial Group - Knowledgefinancialgroup.com
=======
Investing is a business as an investor you must treat investment as a business In any investment you expect a ROI return on
investment as long as your investment is increasing value..
========
Invest in securities: investments that represent evidence of debt or ownership, or legal right to acquire or sell an ownership interest..
Knowledge Financial Group

Saving and planning for retirement takes up a significant portion of a person's life. Even after retirement, this process
must continue in order to ensure continued financial security and freedom. For many individuals, the goal is not to retire in the traditional sense of the....

Never Retired From Personal Financial Planning, Always Take a Look At All Your Investments, And Insurance Policies, Whether Or Not you have financial
planners, advisors, CPA’s. You’re Free To Retire From Your Workplace , But Not from Your Finances. Said Anthony of Knowledge Financial Group –
Knowledgefinancial.blogspot.com

=======
Investing in properties: Investment in real property, or in tangible personal property. Real Estate is one of the best investment of all time, Real
Estate is outperformed all other kind of investment..
==========
KNOWLEDGE FINANCIAL GROUP IS REALLY THE KNOWLEDGE CENTER FOR INVESTORS AND TRADERS And For People Who Want To Learn About: Finance,
Business, Investing, Real Estate, Insurance, Taxes & More...

Knowlege:

We don't like to see you going out into the investment world without proper information and the knowledge you need to fight wolves of wall street...

=======

Discover:
Explore KNOWLEDGE FINANCIAL GROUP and see all the ways how we make investing less complicated. Take a look around KNOWLEDGEFINANCIALGROUP.
COM !!!

==============
Short-term investments: This kind of investments mature within one or less and certainly as investor or speculator you expect to pay more to
the governments for capital gains because it's short term..
=======
Long-term Investments: This kind of investments mature longer than a year and you expect to pay less taxes for capital gains. Investments last
over a year cost investors less in taxes..
=========
As an investor you feel free to invest domestic companies or foreign companies via ADR=American Depository Receip
=======
Domestic investments: Debt, equity, and derivatives securities of United States based companies
========
Foreign investments: Debt, security and derivative secities of foreign based companies
=======
Common Stock: Equity investment that represents ownership in a corporation; each share represents a fractional ownership in a company..
=========
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.

=====

Knowledge Financial Group - Provides Motivational, Inspirational, Training videos: Find what you need in our growing audio video library. New videos added
regularly.
========
Preferred Stock: Equity investment in a corporation who has a stated dividend rate, payment of which is given preference over common stocks..
========
Bonds, Fixed Securities: Investments vehicles that offer a fixed period of return..
======
Mutual Funds: Companies that raise money from the sales of shares and invest in professionally managed diversified portfolio of securities using
PMM= professional money manager..
=======

=======
Options: They are securities that give the investors an opportunity to sell or buy another security as a specified price over given period of time. Options
are not guaranteed any return and could even lose the entire amount invested. There are basically three common types of options: Puts - Calls - And
Warrants..
========
Futures: They are legally binding obligations stipulating that the sellers of such contracts will make delivery ..
=======
The stock market has taken investors on a roller coaster ride over the years. Become a successful investors takes time and effort.. Anthony Jeanty From
Knowledge Financial Group - Knowledgefinancial.com

But no matter what news you heard about the financial stock market; don't wait for the right time to invest, mmney experts don't believe there is one..
=========
Learn From The Top Who Are Passionate About Providing The Best Services With The Best Information
Possible For The Best Interest Of The People...

=========
Knowledge Financial Group Has Excellent, Effective, Passionate & Caring Staff With Innovative Mind To Bring You
The Most UP To Date Info at the time When you need it... Just Ask Us What Need To Know???

======
Knowledge Financial Group - Knowledgefinancialgroup.com Is An Absolute trusted source for knowledge
=======
Risks
As investor you must consider risk; business risk, financial risk, interest rate risk, liquidity risk, market risk, event risk
=====
Diversified your portfolio between different classes of investments. Spreading your hard earned money among different types of investments is less risky
than putting all, or much of your precious eggs in one single basket. Mutual Funds do exactly that investing in different types of securities. My advice to you
is not to concentrate too much in one industry. Anthony Jeanty From Knowledge Financial Group - Knowledgefinancial.com
=====
My advice to you as a professional investor is: You must and should monitor your investments. It's not bad good idea to buy, hold and forget.. It's an excellent
decision to review your portfolio regularly, review your strategies, and your risk tolerance. By Anthony Jeanty From Knowledge Financial Group -
Knowledgefinancial.com
=======
'' Types of Income: They are basically classified into one of three categories: Active Income consists of everything from wages and salaries,
bonuses, tips etc. Active Income is made up of income earned on the job...
======
Portfolio Income: Income generated from various forms of investments holdings. This consists saving accounts, CD's, Money market, stocks,
bonds, mutual funds, futures and contracts, options etc.
======
Passive Income: Income derived from real property. Income producing properties or other tax-advantage investments.
=======
Ordinary Income; whether earned, passive or portfolio income these are taxed at one of five rates in the United States: 15, 28, 31, 36, or 39.6 -
========
Securities Market: Securities market is a component of the wider financial market where securities can be bought and sold between subjects of
the economy, on the basis of demand and supply.
======
Security: A financial instrument that represents: an ownership position in a publicly-traded corporation (stock), a creditor relationship with governmental body
or a corporation (bond), or rights to ownership as represented by an option. A security is a fungible, negotiable financial instrument that represents some
type of financial value.
========
Security: Securities are typically divided into debt securities and equities. A debt security is a type of security that represents money that is borrowed
that must be repaid, with terms that define the amount borrowed, interest rate and maturity/renewal date. Debt securities include government and corporate
bonds, certificates of deposit (CDs), preferred stock and collateralized securities (such as CDOs and CMOs).

Equities represent ownership interest held by shareholders in a corporation, such as a stock. Unlike holders of debt
securities who generally receive only interest and the repayment of the principal, holders of equity securities are able to profit from capital gains.

In the United States, the U.S. Securities and Exchange Commission (SEC) and other self-regulatory organizations (such as the Financial Industry Regulatory
Authority) regulate the public offer and sale of securities.
===========
Knowledge Financial Group - Knowledgefinancialgroup.com is here to help people stay ahead of many
competitions; . The staff is here to share their expertise in many different topics with you...

======
Read . Watch. Listen. Practice. Learn. From Knowledge Financial Group - Knowledgefinancialgroup.com

You Set The Pace;. Learn What You want, when you wan It, And Ask Us Any Questions, Anytime You Want..
=======

Education -Training - Tutorials
Knowledge Financial Group - Knowledgefinancialgroup.com = Our educational training website, blogs, articles, social media pages are designed to help
everyone leverage new strategies, techniques and methods to increase engagement in knowledge, and to be more productive in different area in life..
==============
Money Market: As money became a commodity, the money market became a component of the financial markets for assets involved in short-term
borrowing, lending, buying and selling ...
If Financial Knowledge - Financial Literacy is necessary to become rich and wealthy than knowledgefinancial.com has all the resources

Money Market'
A segment of the financial market in which financial instruments with high liquidity and very short maturities are traded. The money market is used by
participants as a means for borrowing and lending in the short term, from several days to just under a year. Money market securities consist of negotiable
certificates of deposit (CDs), bankers acceptances, U.S. Treasury bills, commercial paper, municipal notes, federal funds and repurchase agreements
=============
Money Market'

The money market is used by a wide array of participants, from a company raising money by selling commercial paper into the market to an investor
purchasing CDs as a safe place to park money in the short term. The money market is typically seen as a safe place to put money due the highly liquid nature
of the securities and short maturities, but there are risks in the market that any investor needs to be aware of including the risk of default on securities such
as commercial paper.
============
Capital Markets: Markets for buying and selling equity and debt instruments. Capital markets channel savings and investment between suppliers of
capital such as retail investors and institutional investors, and users of capital like businesses, government and individuals.

Capital markets are vital to the functioning of an economy, since capital is a critical component for generating economic output.
Capital markets include primary markets, where new stock and bond issues are sold to investors, and secondary markets, which trade existing securities.

If financial education is a key ingredient for financial success than knowledgefinancial.com
Capital Markets' Capital markets typically involve issuing instruments such as stocks and bonds for the medium-term and long-term. In this respect, capital
markets are distinct from money markets, which refer to markets for financial instruments with maturities not exceeding one year.

Capital markets have numerous participants including individual investors, institutional investors such as pension funds and mutual funds, municipalities and
governments, companies and organizations and banks and financial institutions.

Suppliers of capital generally want the maximum possible return at the lowest possible risk, while users of capital want to raise capital at the lowest possible
cost.

The size of a nation’s capital markets is directly proportional to the size of its economy. The United States, the world’s largest economy, has the biggest and
deepest capital markets.
=========
Primary Market' A market that issues new securities on an exchange. Companies, governments and other groups obtain financing through debt or
equity based securities. Primary markets are facilitated by underwriting groups, which consist of investment banks that will set a beginning price range for a
given security and then oversee its sale directly to investors.

Primary Market' The primary markets are where investors can get first crack at a new security issuance. The issuing company or group receives
cash proceeds from the sale, which is then used to fund operations or expand the business. Exchanges have varying levels of requirements which must be
met before a security can be sold.

Once the initial sale is complete, further trading is said to conduct on the secondary market, which is where the bulk of exchange trading occurs each day
========
Knowledge Financial Group trained, mentored, coached, guided entrepreneurs, professionals, and business people to achieve the
maximum in the financial world..

Secondary Market' A market where investors purchase securities or assets from other investors, rather than from issuing companies themselves.
The national exchanges - such as the New York Stock Exchange and the NASDAQ are secondary markets.

Secondary markets exist for other securities as well, such as when funds, investment banks, or entities such as Fannie Mae purchase mortgages from issuing
lenders. In any secondary market trade, the cash proceeds go to an investor rather than to the underlying company/entity directly

Secondary Market' A newly issued IPO will be considered a primary market trade when the shares are first purchased by investors directly from the
underwriting investment bank; after that any shares traded will be on the secondary market, between investors themselves.

In the primary market prices are often set beforehand, whereas in the secondary market only basic forces like supply and demand determine the price of the
security.
=========
Bull Market' A financial market of a group of securities in which prices are rising or are expected to rise. The term "bull market" is most often used to
refer to the stock market, but can be applied to anything that is traded, such as bonds, currencies and commodities.
Bull Market' Bull markets are characterized by optimism, investor confidence and expectations that strong results will continue. It's difficult to predict
consistently when the trends in the market will change. Part of the difficulty is that psychological effects and speculation may sometimes play a large role in
the markets.

The use of "bull" and "bear" to describe markets comes from the way the animals attack their opponents. A bull thrusts its horns up into the air while a bear
swipes its paws down. These actions are metaphors for the movement of a market. If the trend is up, it's a bull market. If the trend is down, it's a bear market.
========
Bear Market' A market condition in which the prices of securities are falling, and widespread pessimism causes the negative sentiment to be self-
sustaining. As investors anticipate losses in a bear market and selling continues, pessimism only grows. Although figures can vary.

Bear Market' A bear market should not be confused with a correction, which is a short-term trend that has a duration of less than two months. While
corrections are often a great place for a value investor to find an entry point, bear markets rarely provide great entry points, as timing the bottom is very
difficult to do.
======
Securities Act Of 1933
Securities Act Of 1933' A federal piece of legislation enacted as a result of the market crash of 1929. The legislation had two main goals..
(1) to ensure more transparency in financial statements so investors can make informed decisions about investments,
and (2) to establish laws against misrepresentation and fraudulent activities in the securities markets.
===========
Securities Act Of 1933'

The Securities Act of 1933 was the first major piece of federal legislation regarding the sale of securities. Prior to this legislation, the sale of securities was
primarily governed by state laws; however, the market crash of 1929 raised some serious questions about the effectiveness of how the markets were being
governed.

Because of the turmoil surrounding the investing community at this time, the federal government had to bring back stability and investor confidence in the
overall system.

In general, the legislation was enacted as the need for more information within and about the securities markets was acknowledged.
The legislation addressed the need for better disclosure by requiring companies to register with the Securities and Exchange Commission.

Registration ensures companies provide the SEC and potential investors with all relevant information by means of the prospectus and registration statement.

At Knowledge Financial Group - Knowledgefinancialgroup.com you can find inspiration, motivation. Here you can stay
informed and increase your knowledge in numerous subjects..
======
Securities Exchange Act Of 1934'
The Securities Exchange Act of 1934 was created to provide governance of securities transactions on the secondary market (after issue) and regulate the
exchanges and broker-dealers in order to protect the investing public.

Securities Exchange Act Of 1934'
All companies listed on stock exchanges must follow the requirements set forth in the Securities Exchange Act of 1934. Primary requirements include
registration of any securities listed on stock exchanges, disclosure, proxy solicitations and margin and audit requirements.

From this act the Securities Exchange Commission (SEC) was created. The SEC's responsibility is to enforce securities laws.
=============
Investment Company Act of 1940
The Investment Company Act of 1940 is an act of Congress. It was passed as a United States Public Law) on August 22, 1940,

The Investment Company Act of 1940 is the legislation that was passed by Congress to protect the investing public's interests in investment companies. The
act dictates the rules of investment company registration and regulation. Knowledge Financial Group - Knowledgefinancial.com

An investment company is a corporation or a trust through which individuals invest in diversified, professionally managed portfolios of securities by pooling
their funds with those of other investors.

Rather than purchasing combinations of individual stocks and bonds for a portfolio, an investor can purchase securities indirectly through a package product
like a mutual fund.
==========.
Investing 101
It’s not enough to save money for retirement; you need to invest to make that money grow.

How much money you need to start investing: Not a lot. In fact, it’s mathematically proven that it’s better to start small than to wait until you have more to
deploy — even if you try to play catch-up down the road. That little eye-opener is thanks to a magic formula called compound interest.

What to invest in: Hedge funds, Venture capital, Private equity firms,or the easiest way is: Stocks. Or at least investment vehicles that provide
exposure to the stock market. The stock market is the place that will deliver the best long-term return on your money.ALSO INDEX FUNDS AND ETF,S

ETFs (exchange-traded funds). Like index funds, ETFs contain a bundle of investments that can range from stocks to bonds to currencies and cash. The
beauty of an ETF is that it trades like a stock, which means investors can purchase them for a share price that is often less than the $500-plus minimum
investment many mutual funds require.

Index Funds: How to Invest and Best Funds to Choose
Index funds are a low-fee, no-fuss way to invest. It might be the smartest and easiest investment you ever make.
============
Index Funds:

They’re an easy, hands-off, diversified, low-cost way to invest in the stock market.

When investors buy an index fund, they get a well-rounded selection of many stocks in one package without having to purchase each individually. And
because these funds simply hold all the investments in a given index — versus an actively managed fund that pays a professional to do the stock picking —
management fees tend to be low. The result: Higher investment returns for individual investors.
============

Decide where to buy
You can purchase an index fund directly from a mutual fund company or a brokerage. Same goes for exchange-traded funds (ETFs), which are like mini mutual
funds that trade like stocks throughout the day (more on these below).

Fund selection. Do you want to purchase index funds from various fund families? The big mutual fund companies carry some of their competitors’ funds, but
the selection may be more limited than what’s available in a discount broker’s lineup.

Convenience. Find a single provider who can accommodate all your needs For example, if you’re just going to invest in mutual funds (or even a mix of funds
and stocks), a mutual fund company may be able to serve as your investment hub. But if you require sophisticated stock research and screening tools, a
discount broker that also sells the index funds you want may be better. (If you don't have a brokerage account, here's how to open one.)

Trading costs. If the commission or transaction fee isn’t waived, consider how much a broker or fund company charges to buy or sell the index fund.
Mutual fund commissions are higher than stock trading ones, about $20 or more, compared with less than $10 a trade for stocks and ETFs.

Commission-free options. Do they offer no-transaction-fee mutual funds or commission-free ETFs?

Index mutual funds track various indexes. The Standard & Poor’s 500 index is one of the best-known indexes because the 500 companies it tracks include
large, well-known U.S.-based businesses representing a wide range of industries.

But the S&P 500 isn’t the only index in town. There are indexes — and corresponding index funds — composed of stocks or other assets that are chosen
based on:

Company size and capitalization. Index funds that track small, medium-sized or large companies (also known as small-, mid- or large-cap indexes).
=========
Geography. These funds focus on stocks that trade on foreign exchanges or a combination of international exchanges.

Business sector or industry. Funds that focus on consumer goods, technology, health-related businesses, for example.

Asset type. Funds that track domestic and foreign bonds, commodities, cash.

Market opportunities. Emerging markets or other nascent but growing sectors for investment.

==========

The main costs to consider:

Investment minimum. The minimum required to invest in a mutual fund can run as high as a few thousand dollars. Once you’ve crossed that threshold, most
funds allow investors to add money in smaller increments.

Account minimum. This is different than the investment minimum. Although a brokerage's account minimum may be $0 (common for customers who open a
traditional or Roth IRA), that doesn’t remove the investment minimum for a particular index fund.

Expense ratio. This is one of the main costs are subtracted from each fund shareholder’s returns as a percentage of their overall investment. Find the
expense ratio in the mutual fund’s prospectus or when you call up a quote of a mutual fund on a financial site.

For context, the average annual expense ratio was 0.09% for stock index funds and 0.07% for bond index funds, versus 0.82% for actively managed stock funds
and 0.58% for actively managed bond funds, according a 2016 report from the Investment Company Institute.

Tax-cost ratio. In addition to paying fees, owning the fund may trigger capital gains taxes if held outside tax-advantaged accounts like a 401(k) or an IRA.

Like the expense ratio, these taxes can take a bite out of investment returns: typically 0.3% of returns when invested in an index fund, according to a 2014
study by Vanguard founder John Bogle. Fund tracker Morningstar calculates the tax-cost ratio, which shows the percentage by which a fund’s performance
has been reduced by taxes.
==========
Investing 101: Saving vs. investing
There’s saving (amassing money) and then there’s investing (making it multiply). Two big differences between them: time and the type of account you use as a
holding pen for your money.

Saving is what you do with the money you’re going to use to pay for short-term goals — ones in the next five years or so. That
money belongs in an account where it’s liquid — that is, easily accessible — and safe, such as a high-yield savings account or even a CD if you’re confident
you won’t need the funds until after a certain date.

Investing is what you do with money earmarked for long-term goals like retirement. With a long time horizon, you can make
growth, rather than liquidity, the priority.

What’s wrong with simply playing it safe with all your retirement money and keeping it in cash? Inflation! .

Over time, inflation erodes the purchasing power of cash.

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.

Awesome blogs, very instructive and very informative! WWW.BUYHEREMARKET.BLOGSPOT.COM AND

WWW.KNOWLEDGEFINANCIAL.BLOGSPOT.COM
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.==
==========

Investment And Trading Excellent Information, Useful Tool And Great Resources. BY:

BUYHEREMARKET ENTERPRISE

investment education center at: Knowledge Financial Group and also at: Visionone Holding Company.
We create an education experience that customizes to fit many investors’ interests, objective and goals.
KNOWLEDGEFINANCIAL.BLOGSPOT.COM

Real experience will walk you through a range of investing and trading topics to help make you a more informed investor.

Femkonsa Capital Investment. = FACEBOOK.COM/FEMKONSA

------------
Your goals are unique, so your investment guidance should be too. A good advisor should take the time to listen and understand what matters most to you
before helping you develop and manage your investment strategy says, Nyton from:
Fruital Investment Group = FACEBOOK.COM/FRUITALINVESTMENT

----------
The internet has tools and resources to help you pursue your goals and objective. = MONEY WISERS GROUP

Explore a wide array of tools and resources to help you create and pursue your financial goals and realize your dreams. MONEYWISERS.BLOGSPOT.COM

---------============
Financial Intelligence:
HOW TO DEVELOP YOUR FINANCIAL INTELLIGENCE AND GROW YOUR WEALTH.
At Knowledge Financial Group, learn ways to grow your wealth and generate income.
Lack of financial education is a recipe for disaster in people's financial life

With financial knowledge people accumulate more liabilities than assets.
Without financial expertise people depend on others to manage their for them.
The job of the financial institutions is to transfer other people's wealth to their own personal wealth. Meaning that making money with your money.
=========
Advice from Visionone Holding Company, save a portion of your earned income . Save first , and spend what left. Pay yourself first.
Know the difference between your needs and your wants and prioritize your needs.
Multiplying your money by lending it for interest, buy and sell products for profits,
buy real estate to build equity overtime and monthly cashflow. Homeowners accumulate more wealth than renters.
==========
Equity research analyst from Femkonsa Capital Investment and Portfolio manager at: Visionone Holding Comany
by stocks from strong companies for capital gains and or dividends.
Spend less and earned more is the principle of building wealth.
========
Start early, invest often.
The power of compounding means saving early will lead to a much bigger nest egg at retirement time than waiting to save until midcareer. If your company
offers a matching-contribution program for your retirement plan, taking advantage of it will only add to your saving efforts.

Don’t follow the market every day.
The market goes up and down, and if you’re investing for the long term, there’s no need to stress over every dip. Instead, check in with your portfolio once a
quarter to rebalance it, and make any other necessary adjustments.
Start early, invest often.

The power of compounding means saving early will lead to a much bigger nest egg at retirement time than waiting to save until midcareer. If your company
offers a matching-contribution program for your retirement plan, taking advantage of it will only add to your saving efforts.

Don’t follow the market every day.
The market goes up and down, and if you’re investing for the long term, there’s no need to stress over every dip. Instead, check in with your portfolio once a
quarter to rebalance it, and make any other necessary adjustments.

=====
' Visionone Capital Management:fb= we're remain committed to bringing the best and brightest and even the most talented and qualified
around us to be able to provide the best service possible and produce incredible growth potential for the maximum return of all of us who got involved in this
gracious organization. www.visiononecapital.blogspot.com
=====
' Visionone Capital Management:fb= we're remain committed to bringing the best and brightest and even the most talented and qualified around
us to be able to provide the best service possible and produce incredible growth potential for the maximum return of all of us who got involved in this
gracious organization. www.visiononecapital.blogspot.com
=========