WELCOME TO: KNOWLEDGEFINANCIAL.COM
Whether you are a first time home buyer or an experienced buyer.
We have for you; flexible options, competitive rates, the lowest
rate possible.

Our years of experience
could find you a mortgage product to meet your needs.

Don't let  the size of your income limit the size of your dreams. At
VISION MORTGAGE BANK, we're here to help you
choose from many cost-effective loan products.----------SOUTH
FLORIDA, WE ARE HERE TO SERVICE YOU!      

Whether you're in the market to buy a new home , or to refinance
your current home, or to cash-out a home equity. We may be able
to get you just what you have in mind.
-
We are your complete resource for home purchasing, home
equity, home refinancing. We will help you save time and money,
our goal is to provide to all our customers
the best product and services. We make mortgage loan worry
free, easy & simple.
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Everything you need to know about home buying, home selling,
home financing and refinancing.

JUST CONTACT US --- We're here to guide, to inform and to
educate to the fullest extent of the real estate financing, mortgage
& loans.
HOME-SELLING

Let us help you  sell your property   Fast &  for the top price.


We offer exceptional real estate service  to ensure
the highest exposure and top dollar for your
property.

We promote For Sale properties with an exclusive
multimedia marketing campaign. We Sell fast, we
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We will market your property through:
RADIO, NEWSPAPER, MAGAZINE & ON MORE THAN TEN  25 MOST
VISITED WEBSITES.
---------------------

SOUTH FL. HOME SELLERS
ATTENTION SELLERS: CALL A REALTOR

LET US HELP YOU SELLING YOUR PROPERTY.

WITH US:

IS MORE ADVERTISEMENT,

MORE  EXPOSURE,

MORE SHOWINGS,

MORE OFFERS, AND MORE MONEY FOR YOUR PROPERTY!


Fortune Int. Realty
VISIT: WWW.KNOWLEDGEFINANCIAL.COM
REAL ESTATE BUYING - SELLING - INVESTING - RENTING

We are the information provider in real estate purchasing, real
estate financing, refinancing.

When doing business with us, we will help you understand your
options and benefits.  CALL US AT: 786-

The first step, and most important step in buying a home: Is
getting Pre-Qualify for a home loan.
By getting pre-qualified, you immediately find yourself in a
stronger negotiation position. You made yourself more
attractive to sellers.

Call Mr. ANTONY AT : 786-
--Licensed Mortgage Broker (SOUTH FLORIDA)

We have for commitment to break down the barriers to owning a
home.

We have helped many find their ways already,
and we will continue to
do so!  CALL US AT: 786-

We are here to turn traditional renters into property owners and
landlords.
ATTENTION, ATTENTION
HOME BUYERS /

GET HELP FROM A CERTIFIED, LICENSED, & EXPERIENCED REALTOR.
CALL ANTONY AT: 7867091531

1. WE ARE HERE TO HELP YOU PURCHASE YOUR REAL ESTATE PROPERTIES!

2. WE HAVE VARIOUS PROGRAMS AVAILABLE FOR FIRST TIME HOME BUYERS!

3. WE CAN HELP CURRENT HOME-OWNER REFINANCE THEIR PROPERTY!

4. WE CAN HELP YOU REFINANCE YOUR EXISTING HOME AT A LOWER INTEREST
RATE!

5. WE CAN HELP YOU CASH OUT YOUR HOME EQUITY!

6. WE CAN HELP HOMEOWNERS  REDUCE THEIR MONTHLY MORTGAGE
PAYMENT!

7. WE CAN HELP HOME-OWNER IN FORECLOSURE

8. WE CHARGE LESS FEE THAN ANY OTHER LENDING INSTITUTIONS OR
MORTGAGE FIRMS.

-WE'RE COMPETENT, EXPERIENCED, AND LOYAL.

-WITH US YOU CAN EXPECT GREAT SATISFACTION.

-CONTACT: MR. ANTONY
AT: 786
FOR STATE OF FLORIDA --
-LICENSED REALTOR,
-
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 Vehicles;
Many different strategies have been
developed over the years claiming to
protect assets. How to protect yourself
from...?

BUILDING WEALTH! How to Become
Wealthy?
Nine Truths That Can Set You on the Path
to Financial Freedom

FINANCIAL KNOWLEDGE: The
Successful Investment Journey, Ten Tips
For The Successful Long-Term Investor

FINANCIAL SYSTEM: AMERICA’S MONEY
CRISIS / Bailout 101.
LEARN ABOUT: Top 6 Biggest U.S.
Government Financial Bailouts In History!
2-LEARN ABOUT MARKET CRASHES
HISTORY. HOW AND WHEN?
3-LEARN ABOUT: THE UNITED STATE,  
AND THE WORLD MOST IMPORTANT
FINANCIAL INSTITUTIONS!
4-LEARN ABOUT THE COMPLETE
FINANCIAL TURMOIL, THE CREDIT CRISIS!

BANKING & FINANCE / Knowledge
Financial.com; an educational, a life
changing website with great ideas of
small business, with important things to
know about our economy,  and
investment

INVESTMENT: MAKE YOURSELF RICHER
BY INVESTING THE RIGHT WAY IN THE
RIGHT PRODUCTS. REAL ESTATE
INVESTMENTS CAN HELP

STOCK MARKET: STOCK MARKET A WAY
TO INVEST AND MULTIPLY YOUR
PROFITS.  THESE INDUSTRIES HAS
THOUSANDS OF COMPANIES TO BUY
STOCKS FROM.


FOREX MARKET: THE LARGEST MARKET
IN THE WORLD TO INVEST AND GET
RICHER IF YOU USE THE RIGHT TOOL.

TAX CERTIFICATES:  / TAX DEED: A
BETTER WAY TO INVEST MONEY AND
GET RICHER.

TAX LIENS: How Can You Safely Earn
18% to 240% Per Year On Your
Investments? Yes you can... By
investing in Government Issued Tax
Liens, Tax deed, Tax Certificates.

REITs: REIT: Real Estate Investment
Trust. A GREAT WAY TO INVEST IN REAL
ESTATE WITHOUT TAKING A MORTGAGE
LOAN

COMMERCIAL INVESTMENT.
COMMERCIAL REAL ESTATE; A BETTER
WAY TO INVEST AND GET RICHER!  
MULTI-WAYS TO WIN BIG IN REAL
ESTATE. WHAT IS COMMERCIAL REAL
ESTATE?

PENSION PLANS: THE ULTIMATE
RETIREMENT GUIDE; HOW TO RETIRE
EARLY AND RETIRE REACH. WHAT ARE
401K,  ROTH 401K, INDIVIDUAL 401K,
403B, 457 PLAN, THRIFT SAVINGS PLAN.

IDENTITY THEFT: WATCH OUT, STOP IT
FROM HAPPENING, GET THE TOOLS
YOU NEED TO PREVENT IT RIGHT HERE!
AT KNOWLEDGE FINANCIAL.COM

INSURANCE 101: THE IMPORTANCE OF
INSURANCE IN SOMEONE'S LIFE.
EVERYTHING YOU NEED TO KNOW
ABOUT INSURANCE; NOW IS YOUR
CHANCE TO KNOW HOW TO SAVE
MONEY ON YOUR INSURANCE!  LEARN
ABOUT THE 15 INSURANCE POLICIES
YOU DON'T NEED!
ATTENTION,  ATTENTION!

IMPORTANT INFORMATION ABOUT THE UNITED STATES  FIVE [5] BIGGEST
FINANCIAL INSTITUTIONS...   

Bank of America Financial Services

Wells Fargo Financial Services

PNC-National City Mortgage Financial Services

Citibank,Citifinancial, Citimortgage, Citigroup

JPMorgan-Chase Financial Services

How to make the Bank say, "Yes You're Approved"

Learn here the most effective ways to get the best loan rates, and the best terms
..Life Insurance Advantages, Benefits, & Features While Alive and After
Death... Learn More Here!

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

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

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

..Investment Products: Investing & Money Management Basics.  FINANCIAL  
SOLUTIONS, TOOLS & RESOURCES.  LEARN MORE...

Insurance Products:  How to make profits with the insurance companies?
Learn More..
'' 'INVESTMENT & FINANCE:  
METHODS, TECHNIQUES, AND
STRATEGIES. WHERE, WHEN, HOW
TO INVEST?   ---

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

''FINANCIAL EDUCATION TOOLS AND
RESOURCES; WAYS TO SAVE MONEY,
TO MAKE MONEY, AND GET OUT OF
DEBT!--
''Government general information; You
name it, You get it
You need it, You find
You want it, Search for it!

..RULE OF 72: The compound interest and
financial success.  Rule Of 72 is the most
important and simple rule of financial
success.

..MILLIONAIRE: How To Make Your First
$1 Million? The Millionaire's Mindset

..FORTUNE: BEFORE INVESTING IN THE
STOCK MARKET LEARN THIS FIRST!...

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

..EMPIRE: THE ABC's OF INVESTMENTS,
Ways to Save. THE TRIANGLE OF
SUCCESS...

..INVESTORS: CREATIVE FINANCING:
TOP 10 CREATIVE FINANCING
TECHNIQUES AND STRATEGIES TO FIND
MONEY TO INVEST! The Five C’s of
Credit: LEARN MORE..

CREATIVE FINANCE CAN AND WILL MAKE
ALL THE DIFFERENCE WHEN AN
INVESTOR DECIDES TO INVEST IN REAL
ESTATE...

..HOME INSPECTION: HOW TO GET THE
BEST OUT OF IT..
Top 10 home-buying mistakes to avoid!

HOW TO USE HOME INSPECTION
REPORTS TO NEGOTIATE SALE PRICE?...

...ACCOUNTING: The Basics of
Accounting...

...TAXES: THE FUNDAMENTAL OF TAXES.
THE MORE YOU KNOW, THE LESS YOU
PAY...

...ANALYTICS: Top 9  Real Estate
Financial Calculator Problems every
investors should know about...
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!
BUILDING WEALTH
RICH GUIDE: WHY AREN'T YOU RICH?
BUILDING FINANCIAL WEALTH, OBTAIN  
FINANCIAL FREEDOM, BECOME A RICH
PERSON; YES YOU CAN... Learn More!

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

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

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

..RICHEST-- Understanding the
difference in attitudes between rich
mentality and poor mentality.   Learn
more about the tools we offer in this
website to help you on your journey to
financial freedom.
''AMERICAN DOLLAR. What are the
letters, numbers, and symbols, the
latin words mean?  LEARN MORE..

-- City, County, State,and US Federal
Government Information center.--
And the most important websites.--

''AMERICA'S WAY OF LIFE: UNITED
STATES Government Most Important
Websites to know About!...UNITED
STATES OF A
'' Banking, Finance, Investment
Knowledge. The more you know the
closer you are to accomplish great
success--

..AUTO-LOANS -- Great Car, Great
Price…. But what about the Financing?
What you must know, What you must
avoid. ...Learn More !--- FINANCIAL
EDUCATION TOOLS AND RESOURCES;
WAYS TO SAVE MONEY, TO MAKE
MONEY

LIFE INSURANCE INFORMATION: Ways
to Reduce Your Life Insurance
Premium.  Insurance General
knowledge!--  Life Insurance
Distribution,  Benefits and beneficiary.--

,, Start your own business EASY &
SIMPLE,  be your own boss,  make
extra money,  secure your financial
future,  obtain financial freedom.  
LEARN MORE! CLICK HERE.. --

..''DEALERSHIP-- 5 Car Dealer Extras
You May Not Need, Or You Don't Need
At All... Car Dealer Secrets Revealed..!

,,MEDICAL AND 'NURSING EDUCATION
CENTER- JOBS, SCHOOLS, TRAINING,
FINANCIAL AID.  Nursing News, Nursing
Events, Nurse Continuing Education.
The hospitals with job position open..

'..Tax strategies, Tax advantage, Tax
advice for all. HOW TO REDUCE YOUR
TAXES TO GET MAXIMUM RETURN
FROM THE I.R.S.? Learn More.
.. About Taxes-- Tax Help-- Tax
Benefits...-- Tax Saving tips For All--..
Tax Help For Individual--

WAYS TO SAVE MONEY, TO MAKE
MONEY, AND GET OUT OF DEBT. THE
SECRETS OF GETTING AHEAD TO
BUILD WEALTH! --Blogknowledge"------

'' UNCLAIMED MONEY, UNCLAIMED
PROPERTIES, GRANTS MONEY COULD
BE YOURS! LEARN MORE...

''GOVERNMENTS GENERAL
INFORMATION CENTER-------  

..TERM LIFE INSURANCE ADVANTAGES,
--

10 Money Resolutions for 2010-- And
Retirement Benefits: What to Expect in
2010: Learn More...
THE MOST IMPORTANT TAX SAVING
YOU MUST KNOW ABOUT. NEWS-
LETTER..  -- How To Make Your First $1
Million; The Millionaire's Mindset---

'' Financial Report Information Center-
--
Custom Search
7 Things Not To Do, Or To Stop Doing Now on Facebook,
--------------------------------------KNOWLEDGEFINANCIAL.COM
1. Using a Weak Password

Avoid simple names or words you can find in a dictionary, even with numbers tacked on the
end. Instead, mix upper- and lower-case letters, numbers, and symbols. A password should
have at least eight characters. One good technique is to insert numbers or symbols in the
middle of a word.

2. Leaving Your Full Birth Date in Your Profile

It's an ideal target for identity thieves, who could use it to obtain more information about you
and potentially gain access to your bank or credit card account.
If you've already entered a birth date, go to your profile page and click on the Info tab, then
on Edit Information. Under the Basic Information section, choose to show only the month
and day or no birthday at all.

3. Overlooking Useful Privacy Controls --KNOWLEDGEFINANCIAL.COM

For almost everything in your Facebook profile, you can limit access to only your friends,
friends of friends, or yourself. Restrict access to photos, birth date, religious views, and
family information, among other things.

You can give only certain people or groups access to items such as photos, or block
particular people from seeing them. Consider leaving out contact info, such as phone
number and address, since you probably don't want anyone to have access to that
information anyway.

4. Posting Your Child's Name in a Caption  --KNOWLEDGEFINANCIAL.COM

Don't use a child's name in photo tags or captions. If someone else does, delete it by
clicking on Remove Tag. If your child isn't on Facebook and someone includes his or her
name in a caption, ask that person to remove the name.

5. Mentioning That You'll Be Away From Home
That's like putting a "no one's home" sign on your door. Wait until you get home to tell
everyone how awesome your vacation was and be vague about the date of any trip.

6. Letting Search Engines Find You  ---KNOWLEDGEFINANCIAL.COM

To help prevent strangers from accessing your page, go to the Search section of
Facebook's privacy controls and select Only Friends for Facebook search results. Be sure
the box for public search results isn't checked.

7. Permitting Youngsters to Use Facebook Unsupervised

Facebook limits its members to ages 13 and over, but children younger than that do use it.
If you have a young child or teenager on Facebook, the best way to provide oversight is to
become one of their online friends.

Use your e-mail address as the contact for their account so that you receive their
notifications and monitor their activities. "What they think is nothing can actually be pretty
serious," says a social networking expert, a supervisory special agent at the Internet Crime
Complaint Center.

For example, a child who posts the comment "Mom will be home soon, I need to do the
dishes" every day at the same time is revealing too much about the parents' regular
comings and goings. ---KNOWLEDGEFINANCIAL.COM
..News Letter: Tax Saving Business
News, financial news, the world  
market.

..Biography & History of the world
greatest personalities & politicians,,

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

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

.. HAITI: Things you don't know &
what you
must know. Learn More!,,
'' ..''DEALERSHIP-- 7 Car Dealer Extras You May Not Need, Or You
Don't Need At All... Car Dealer Secrets Revealed..! --

And [ 5]  Five Common Car-Buying Mistakes To Know About...

.AUTO-LOANS -- Great Car, Great Price…. But what about the
Financing? What you must know, What you must  avoid. ...Learn
More !--- FINANCIAL EDUCATION TOOLS AND RESOURCES; WAYS
TO SAVE MONEY, TO MAKE MONEY

'' 'INVESTMENT & FINANCE:  METHODS, TECHNIQUES, AND STRATEGIES. WHERE, WHEN,
HOW TO INVEST?   ---
'' '' 'INVESTMENT & FINANCE:  METHODS, TECHNIQUES, AND STRATEGIES. WHERE,
WHEN, HOW TO INVEST?   ---

''INSURANCE-- Everything You Need to Know About Insurance;
South Florida, Call The Insurance Representative  -

- Get an Insurance Quote, Look How much a Policy Can Cost
You, or See If You're Paying Too Much For a Policy.-- Get a
Quote!--   

#1-10 PLACES NOT RECOMMENDED TO USE DEBIT CARDS:--  
Financial Freedom.-- Seven Rules of Wealth Building  Keys to
..News Letter: Tax Saving Business
News, financial news, the world  
market.

..Biography & History of the world
greatest personalities &
politicians,,

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

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

.. HAITI: Things you don't know &
what you
must know. Learn More!,,
.. Banking, Finance, Investment
Knowledge. The more you know the
closer you are to accomplish great
success--

'' ..''DEALERSHIP-- 7 Car Dealer
Extras You May Not Need, Or You
Don't Need At All... Car Dealer
Secrets Revealed..! -- And   Five
Common Car-Buying Mistakes To
Know About... // .AUTO-LOANS --
Great Car, Great Price…. But what
about the Financing?
AMERICAN DOLLAR. What are the
letters, numbers, and symbols, the
latin words mean?  LEARN MORE...

LIFE INSURANCE INFORMATION: Ways
to Reduce Your Life Insurance
Premium.  Insurance General
knowledge!--  Life Insurance
Distribution,  Benefits and beneficiary.
--'' Find Government help Here--//

WAYS TO SAVE MONEY, TO MAKE
MONEY, AND GET OUT OF DEBT. THE
SECRETS OF GETTING AHEAD TO
BUILD WEALTH! --Blogknowledge"----
UNCLAIMED MONEY, UNCLAIMED
PROPERTIES, FREE GRANTS MONEY
COULD BE YOURS! LEARN MORE...

''GOVERNMENTS GENERAL
INFORMATION CENTER-------   .
FINANCIAL EDUCATION TOOLS AND
RESOURCES -BK.-

10 Money Resolutions for 2010-- And
Retirement Benefits: What to Expect
in 2010: Learn More...  THE MOST
IMPORTANT TAX SAVING YOU MUST
KNOW ABOUT. NEWS-LETTER..  --
How To Make Your First $1
Million;          The Millionaire's
Mindset---
'' ''Business Info. State Business Entity
Registration.
State Licenses and Permits, Steps to
Create & Registering a Business.

'Find  Jobs-' Florida jobs and
companies with openings-- ''- Look
For Jobs, Need a Job -- ''Workforce
Innovation Find Jobs--

'' How and where to apply for
unemployment--  

'' Food Stamp Program- Department of
Children and Families-Food Stamp-
APPLY -- Or Get More Information-- ''
Food Stamp Employment & Training
(FSET) Program
--'' Government  Help and
Resources..       --

''-Find Schools:  College, University,
Technical Schools- Medical and
Nursing Resources for Students &
professionals. --

''INVESTMENT: MAKE YOURSELF
RICHER BY INVESTING THE RIGHT
WAY IN THE RIGHT PRODUCTS.
'''INSURANCE-- Everything You Need
to Know About Life Insurance --

'''BUSINESS INFO, BUSINESS
Structure Questions And Answers.

''Business Registration, State
Business Entity Registration..  State
Licenses and Permits . Steps to
Registering a Business.
FREE STUFFS- -10 Things People Buy
They Should Get Free--
There are plenty of free things you can Get
from the web as well as from libraries,
parks, banks and other businesses.

2. FREE STUFFS, Free Unlimited Calling,
Local & Long-distance Free, Free 411
Information calls : Make Google Voice,
Skype, Magicjack Work For You.-- Free
Cable TV.
Get Free Stuffs Now.

3. -FREE Faxes, FREE Books and FREE
Music--

FREE STUFFS, More Free Things Your
Hotel Desk Clerk Won’t Tell You.
Click Here For Hotel Free Stuffs...

4. 6 Tips to Pay Less for a College Degree.
FINANCIAL AID
FREE SCHOLARSHIP FOR SCHOOL
FREE GOVERNMENT GRANTS MONEY
FOR SCHOOL--

5. -Medical and Nursing Resources for
professionals in the Medical & nursing
industry- Information on nursing, hospital,  
Nursing Jobs,
Nurse Continuing Education, Nursing
Schools and Financial aid information --

6. - Apply for unemployment,
Apply Food Stamps,
Find Jobs, Register a Business-- FREE
STUFFS
How to Make Money Online With Or  
Without a Website & Monetize Your Blogs.
--
FREE STUFFS- -10 Things People Buy They
Should Get Free--
There are plenty of free things you can Get
from the web as well as from libraries,
parks, banks and other businesses.

2. FREE STUFFS, Free Unlimited Calling,
Local & Long-distance Free, Free 411
Information calls : Make Google Voice,
Skype, Magicjack Work For You.-- Free
Cable TV.
Get Free Stuffs Now.

3. -FREE Faxes, FREE Books and FREE
Music--

FREE STUFFS, More Free Things Your Hotel
Desk Clerk Won’t Tell You.
Click Here For Hotel Free Stuffs...

4. 6 Tips to Pay Less for a College Degree.
FINANCIAL AID
FREE SCHOLARSHIP FOR SCHOOL
FREE GOVERNMENT GRANTS MONEY FOR
SCHOOL--

5. -Medical and Nursing Resources for
professionals in the Medical & nursing
industry- Information on nursing, hospital,  
Nursing Jobs,
Nurse Continuing Education, Nursing
Schools and Financial aid information --

6. - Apply for unemployment,
Apply Food Stamps,
Find Jobs, Register a Business-- FREE
STUFFS
How to Make Money Online With Or  
Without a Website & Monetize Your Blogs.--
-Real Estate: Help for homeowners in
difficulty the Us federal government
has a new program to help
homeowners stop foreclosure. DV-
- Financial Services Company.
What We Do, How we do it?   
--
-Haiti New era-new hope, Haiti news.
Read the latest headlines on Haiti.  All
of the latest news from the US &
around the world.

''-GOVERNMENTS GENERAL
INFORMATION CENTER--

FINANCIAL EDUCATION TOOLS AND
RESOURCES for financial success

-HISTORY-THE MOST AMAZING HISTORY
AND BIOGRAPHY OF THE WORLD:
POLITICIANS, WARS, THE GREAT
WONDERS, WORLD GREATEST
ORGANIZATIONS ETC.

-Money Management- Counterfeit Combat:
Defense Is in the Details. How to reconize
and combat counterfeit money?

- INSURANCE: Ways to Reduce Your Life
Insurance Premium; Learn the importance
and benefits of life insurance in real life.    

-- FINANCIAL INSTITUTION YOU CAN
TRUST, A STRONG INSURANCE COMPANY
TO BE WITH . Here is EVERYTHING YOU
WANT TO KNOW ABOUT INSURANCE  --

Start your own business EASY &
SIMPLE,  be your own boss,  make
extra money,  secure your financial
future,  obtain financial freedom.  
Common Mistakes Young Investors Make...   
KNOWLEDGEFINANCIAL.COM

Procrastinating
Procrastination is never good, but it can be especially detrimental while investing because
the markets move so quickly.
Good investment ideas are not always easy to find. If, after doing research, a good
investment idea arises, it is important to act on it before the rest of the market takes note
and beats you to it.
Young investors can be particularly prone to not acting on a good idea out of fear or
inexperience. Missing out on a good idea can lead a young investor to two very bad
scenarios:


Speculating Instead of Investing
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A young investor is at an advantage in his or her investing life. Holding the level of wealth
constant, an investor's age affects how much risk an he or she can take on.

So, a young investor can seek out bigger returns by taking bigger risks. This is because if a
young investor loses money, he or she has time to recover the losses through income
generation. This may seem like an argument for a young investor to speculate, but it is not.

Any young or novice investor will have an inclination to speculate if they do not fully
understand the investment process.
Speculation is often the equivalent of gambling, as the speculator does not necessarily have
a reason for a purchase except that there is a chance that it may go up in value.

This can be dangerous, as there are many experienced professionals waiting to take
advantage of their less-experienced counterparts.

Not Asking Enough Questions
If a stock drops a lot, a young investor might expect it to bounce right back, but more often
than not, it is down for good reason. One of the most important factors in forming
investment decisions is asking why.

If an asset is trading at half of an investor's perceived value, there is a reason and it is the
investor's responsibility to find it. Young investors who have not experienced the pitfalls of
investing can be particularly susceptible to making decisions without locating all the
pertinent information.


Not Investing --KNOWLEDGEFINANCIAL.COM
As mentioned earlier, an investor has the best ability to seek a higher return and take on
higher risk when they have a long-term time horizon.
Investors have their longest time horizons, and therefore a high tolerance for risk, when
they are young. Young people also tend to be less experienced with having money.

As a result, they are often tempted to focus on how money can benefit them in the present,
without focusing on any long-term goals (such as retirement). Spending money now instead
of saving and investing can create bad habits and contribute to a lack of savings and
retirement funds
6 Banking Fees You Can Avoid
If you have a bank account, there is a good chance you've paid an unnecessary fee at least
once, whether it was a check you wrote but forgot about, or not keeping enough money as a
buffer. But, with a little planning, you can avoid those fees and keep your cash where it
belongs - in your wallet.

1.Bouncing Checks
Haven't we all considered keeping our money in high-interest savings accounts, and just
transferring it as required in order to maximize our returns? The problem always comes
down to timing, either remembering to transfer the money or having to co-ordinate between
the banks' schedules.

Think of it this way: To cover a single $30 NSF fee you would need to put $1,000 into a high-
interest savings account earning about 1.5% for a total of two years, so you might as well
avoid that $30 charge and leave that $1,000 buffer alone.

Solution: Write a note reminding yourself about each check outstanding, and keep a healthy
buffer in your bank account.


2.Overdraft Charges
Unless it's an emergency, not being able to remember if you have enough money left in your
bank account is no excuse for allowing yourself to be charged with an overdraft fee.

Solution: Use cash instead of your card, or start tracking your expenses so you know what
is left. Alternatively, using a credit card like a debit card by clearing each amount you've
charged is a good way to keep your credit balance in the clear, and it won't trigger your
overdraft. (Learn more about overdrafts in When Good People Write Bad Checks.)


3.Cash Advance Fees
If you use your credit card to withdraw cash from any ATM, you're charged with a banking
fee, your credit card's cash advance fee and, to top it off, you still have to pay back the
actual amount you took out, with the full interest rate being applied from the day you
withdrew the money.

Solution: Use a debit card or carry enough cash on you to resist the temptation of using your
credit card as if it were a debit card.


4.Foreign ATM Charges
Unless it is a true emergency, paying extra money in fees just for the convenience of not
having to search for your bank's ATM is a waste of money. Even if it's only a couple of bucks
here and there, it all adds up at the end of the month.

Solution: Make it a point to visit your bank branch on a regular basis to take out what you
need and are allowed to spend until your next visit. If you run out of money early, make it a
point to take out more the next time until you know how much you need to get through each
week, and take a second look at your budget to avoid overspending.


5.Payday Loan Penalties
Using payday centers can be a difficult cycle to break, once you've started. Most payday
loan centers take 20% of your paycheck as a processing fee, and if you cash your entire
paycheck, you may be left with a huge chunk missing from your budget.

Solution: Go cold turkey. If the situation is dire (as in, you don't have any food for money until
your next paycheck), then on your last paycheck cashing excursion, squeeze your budget to
take out that payday fee and vow to never go back again. (For more information on payday
loans, see Payday Loans Don't Pay.)


6.Bank Administration Fees
There are lots of little charges your bank will tack on for what might seem like the most
mundane of services:
•Not keeping a minimum balance on your bank account
•Exceeding a number of total transactions per month (debits, withdrawals)
•Exceeding the number of allowed debit transactions per week
•Exceeding the allowable amount of withdrawals each week
•Withdrawing money outside of your country
•Receiving paper statements instead of e-statements
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Investment risk - simple rules to follow...

Systematic risk is the risk that cannot be reduced or predicted
in any manner and it is almost impossible to predict or protect yourself
against this type of risk. Examples of this type of risk include interest
rate increases or government legislation changes. The smartest way to
account for this risk, is to simply acknowledge that this type of risk will
occur and plan for your investment to be affected by it.
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people.

Unsystematic risk is risk that is specific to an assets
features and can usually be eliminated through a process called
diversification (refer below). Examples of this type of risk include
employee strikes or management decision changes.

The greater return you want, the more risk you'll usually have to accept
The more risk you take with your investments, the greater the chance of
losing some or all of your initial investment (your capital)

If you're saving over the short-term it's wise not to take much capital
risk. So what you are investing for and when you'll need access to your
money will have a big impact on what types of investments are right for
you.

If you are investing for the long-term you can afford to take more risk as
your money has more time to recover from falls in the markets.

Investing in share-based assets has historically proved to be the best
way for providing growth that outstrips inflation.
There is a risk attached but, when you invest over the long-term, there
is more time to recover your losses after a fall in the stock market
-------------------
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Business Risk
Business risk is the measure of risk associated with a particular
security. It is also known as unsystematic risk and refers to the risk
associated with a specific issuer of a security. Generally speaking, all
businesses in the same industry have similar types of business risk.

But used more specifically, business risk refers to the possibility that
the issuer of a stock or a bond may go bankrupt or be unable to pay the
interest or principal in the case of bonds.

A common way to avoid unsystematic risk is to diversify - that is, to buy
mutual funds, which hold the securities of many different companies.
-----------
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Credit Risk
This refers to the possibility that a particular bond issuer will not be
able to make expected interest rate payments and/or principal
repayment. Typically, the higher the credit risk, the higher the interest
rate on the bond.

Taxability Risk
This applies to municipal bond offerings, and refers to the risk that a
security that was issued with tax-exempt status could potentially lose
that status prior to maturity. Since municipal bonds carry a lower
interest rate than fully taxable bonds, the bond holders would end up
with a lower after-tax yield than originally planned.

Call Risk
Call risk is specific to bond issues and refers to the possibility that a
debt security will be called prior to maturity. Call risk usually goes hand
in hand with reinvestment risk, discussed below, because the
bondholder must find an investment that provides the same level of
income for equal risk.
-----------------
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Call risk is most prevalent when interest rates are falling, as
companies trying to save money will usually redeem bond issues with
higher coupons and replace them on the bond market with issues with
lower interest rates.

In a declining interest rate environment, the investor is usually forced
to take on more risk in order to replace the same income stream.

Inflationary Risk
Also known as purchasing power risk, inflationary risk is the chance that
the value of an asset or income will be eroded as inflation shrinks the
value of a country's currency.

Put another way, it is the risk that future inflation will cause the
purchasing power of cash flow from an investment to decline.

The best way to fight this type of risk is through appreciable
investments, such as stocks or convertible bonds, which have a growth
component that stays ahead of inflation over the long term.

Liquidity Risk – The uncertainty introduced by the secondary
market for a company to meet its future short-term financial obligations.
When an investor purchases a security, they expect that at some future
period they will be able to sell this security at a profit and redeem this
value as cash for consumption – this is the liquidity of an investment, its
ability to be redeemable for cash at a future date. Generally, as we move
up the asset allocation table – the liquidity risk of an investment
increases.
-----------
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Financial Risk – Financial risk is the risk borne by equity
holders (refer Shares section) due to a firms use of debt. If the company
raises capital by borrowing money, it must pay back this money at some
future date plus the financing charges (interest etc charged for
borrowing the money). This increases the degree of uncertainty about
the company because it must have enough income to pay back this
amount at some time in the future.
------------
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