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CREDIT HELP: Do-it-Yourself Debt Reduction. Six
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Ten Resolutions to Make Your Financial Life Easier.
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ID- THEFT: How to Protect Yourself AGAINST
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You can take action to protect your identity and
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and Federal.
Housing Finance Authority of Miami dade, Monroe,
Broward, and Palm Beach County

Money Management: Ten Resolutions to Make
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How to take steps to respond to and recover from
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How to understand a mortgage statement?

GOVERNMENT HOMES AND FORECLOSURE
PROPERTIES ARE AVAILABLE BELOW MARKET VALUE!
SAVING: THE SECRETS OF SAVING; WAYS TO SAVE A
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HOW NOT TO PAY ANY FEES AND INTERESTS ON YOUR
CREDIT CARDS? FREE RIDE. Credit Card Fraud: 21
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is certainly on the rise -- and credit card fraud on
the Internet is rising even more dramatically.
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Protection: How to protect yourself against identity
theft?

Billions of dollars have been lost. Could some of it
be yours?  UNCLAIMED MONEY, UNCLAIMED
PROPERTY, THE FORGOTTEN TREASURE SEATING IN
THE HANDS OF THE STATES GOVERNMENT COULD BE
YOURS OR TO SOMEONE YOU MAY KNOW!

Basic Finance: Learn the basics of personal
finance at the U.S. government's
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Study basic finance at your own pace
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REAL ESTATE FINANCING: WHERE AND HOW TO FIND
MONEY TO INVEST IN REAL ESTATE?

Combating Identity Theft: A Strategic Plan
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Consumer information,  resources and important
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FREE INFO: Contact List for Property Appraisers in
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National Foreclosure Mitigation Counseling Program
Service Providers.
As home foreclosures continue to rise across the
state, Florida Housing will provide the following
foreclosure prevention resources

INVESTMENT: GENERAL KNOWLEDGE AND FINANCING
STRATEGY . HOW TO INVEST  NOW AND GET RICHER
LATER.
Federal Housing Administration, Department of
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Need government help?
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Study basic finance at your own pace with
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FIRST TIME HOME- BUYERS; OPPORTUNITY EXIST .
FIRST TIME HOME-BUYERS:  METHODS, TECHNIQUES, AND
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WHY INVESTING IN THE REAL ESTATE MARKET TODAY IS
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INSURANCE 101: THE IMPORTANCE OF INSURANCE IN
SOMEONE'S LIFE. EVERYTHING YOU NEED TO KNOW
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HOW TO SAVE MONEY ON YOUR INSURANCE!
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FREE Investment Advice:
Number one: "If it seems too good to be true, it probably is."

Number two: "Always look at how much the other guy is
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Number three: Don't go into debt.
"Stay away from leverage," he said. "Nobody ever goes
broke that doesn't owe money."

Number four: Invest in yourself.
At a time when many  graduate  professionals face uncertain
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Anything that improves your own talents is a big plus.

Number five: INVESTMENT;  MAKE YOURSELF RICHER BY
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REAL ESTATE INVESTMENTS CAN HELP!

Keeping all your money in the bank is good, but is not the
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..TERM INSURANCE
ADVANTAGES, TERM
INSURANCE GENERAL
KNOWLEDGE. Buy the
term, and invest the
difference.

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

INSURANCE PRODUCTS:
How to make profits with
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''- UNCLAIMED MONEY,
UNCLAIMED
PROPERTY, THE
FORGOTTEN
TREASURE SEATING IN
THE HANDS OF THE
STATES GOVERNMENT
COULD BE YOURS OR
TO SOMEONE YOU
MAY KNOW!
''HOW TO CLAIM THE
UNCLAIMED MONEY?

'',,Grant Money, free
Money From the U.S.
Government.
You May Qualify For
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Funding. Find Out
What You Need to
Know to APPLY...
Funding Opportunities
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'' The Fifty States Information Center / Infoplease--
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''Federal Housing
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The homebuying process
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''State Library & Archives
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You can find a list of County Clerks of Court
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To get information on obtaining a marriage
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'
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Child care facilities are licensed with the
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''Florida corporations - Filing an Annual
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You can file the Annual Report for your
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''Limited Liability Companies - registering
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business in Florida?

''Looking for free government money and
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''SBA offers a variety of loan programs for
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section, to see if you qualify to participate.
'
''How do I file the Annual Report for my
corporation?
You can file the Annual Report for your
corporation online by visiting the Florida
Division of Corporations website

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You can make an appointment online by
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''What is FDLE’s role when a citizen
purchases a firearm or gun?


''Hunter safety course - Who has to take the
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pass a FWC hunter safety course before
you can purchase a hunting license.


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Complaints against insurance companies
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You can find information by visiting the
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'' History of Nursing In America /
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Have you been thinking about
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Things You Never Knew Your iPhone's Headphones Could
Do...
The three buttons on Apple's standard white iPhone earbuds can be pressed in
combinations that pretty much eliminate the need to take the phone out of your pocket.

Powered by knowledgefinancial.com And Financial Academy School.com
These controls are simple and easy to remember while still allowing for a wide range of
control over your device.
You can even use them to ignore a phone call.
------------

#1. Play or pause a song or video.

Tap the center button once to pause, and once again to resume.
Powered by knowledgefinancial.com And Financial Academy School.com
-------------

#2. Fast forward or rewind through a song

Fast forward by tapping the center button twice and holding down on the second tap.
Rewind by tapping three times and holding down the third tap.

----------
#3. Switch between calls.
Switch to a new incoming call by tapping the center button once. You can end that new call
by holding down the center button for two seconds

Powered by knowledgefinancial.com And Financial Academy School.com
----------
#4. Take a picture.
Inside the default camera app, press the volume up button to take a picture. This doesn't
work with other camera apps, such as Instagram.


-----
#5. Activate Siri.
If you're sporting an iPhone 4S of iPhone 5, tap and hold the center button to activate Siri

----------
#6. Skip to the next song
Double-tap the center button to skip to the next song. (You can even triple-tap to go to the
previous song.

Powered by knowledgefinancial.com And Financial Academy School.com

-------
#7. Answer and end calls
Just tap the center button once to answer and once to hang up


-----------
#8. Ignore incoming calls.
Press and hold the center button for a couple seconds, then release it. You'll hear two
beeps when the call's been disconnected.
-----------Powered by the team knowledgefinancial.com
Guide to Financial Statements
How to Read Financial Statements...

This 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 presentation  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.
“Show me the money!”
Remember the ’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.
------
Let’s look at each of the first three financial
statements in more detail.
1. 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, copyright, royalties. And
cash itself is an asset. So are investments a company makes.
-------
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 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.
'' Balance Sheet: Balance sheets show what a
company owns and what it owes at a fixed point
in time.

Learn the components of the balance sheet. This document offers a
snapshot of the company's assets, such as current and fixed assets;
liabilities, including short-term loans and long-term bonds; and
shareholders' equity, such as common stock and retained earnings.
----------
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.

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.


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.
2. Income Statements: Income statements show how much money a company
made and spent over a period of time.
-----

P&/L = The second of the three financial statements
is the income statement.
Sometimes called the profit and loss, the income statement shows you money coming in the door
(revenue), money going out the door (expenses), and what's left over afterward (income, or profit).
-------
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.
-------
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
--------
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.
---------

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?

---------
Review the income statement, which the SEC
guide compares to a flight of stairs. You start
at the top with sales, and then you make a
deduction for various costs and expenses at
each step down.

For example, deducting cost of goods sold
leads to gross profit, and deducting overhead
expenses (e.g., marketing and administrative
expenses) leads to operating profit. The
bottom step is your bottom line or net profit.
3. Cashflow Statements: .
Cash flow statements show the exchange of
money between a company and the outside
world also over a period of time.
------
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.

----------
Look through the cash flow statement, which
uses and reorders the information from a
company's balance sheet and income statement.

The cash flow statement shows the cash
coming into (inflows) and leaving (outflows) the
company as a result of operating,
investing (buying new equipment) and financing
(selling stocks or bonds) activities
-----
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.
---------
4. The fourth financial
statement, called a “statement of
shareholders’ equity,” shows changes in the
interests of the company’s shareholders over
time.

4. Notes: Read the
Footnotes

Pay attention to the accompanying notes which
can get technical at times. These notes are
usually placed after the financial statements,
often under a separate heading "Notes to
Financial Statements."

They elaborate on one or more financial
statement line items,
including inventory valuation methodology,
consolidation or the sale of divisions, and details
of employee benefit and retirement plans.
-------
•        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.

-----------
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?

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.
•        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.

----------

•        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
------

EP RATIO= The most anticipated and recognized
facet of a company's financial report during a
typical earnings call is its earnings per share
(EPS).
-------

EP RATIO = Earnings per share= Total Income /
Divided By The Number of Outstanding shares of
a company
Bringing It All Together
Although this presentation discusses each
financial statement separately,


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.

---------

Company’s annual
report?
Most companies post their annual report on
their website as a free download. If not,
you can call or email the investor relations
department and request mailed copies be sent
to you. These are always free.
---------
If you read an annual report and you see
something called "Pro Forma" reports, you
should stop,

take a moment, and seriously consider
whether or not you can trust management.

Pro forma means that the financial statements
do not comply with the GAAP rules.
---------

The 10K Reports:
The 10K is a special collection of financial
statements that a company is required to file
with the Securities and Exchange Commission.

It includes much more information, in many
cases, than the annual report. This article will
teach you how to request a 10K or find them
online
-------

These documents can usually be found in the
"Investor Relations" section of a company's
Web site.

Form 10-K
This is an official filing made by the company
to the Securities & Exchange Commission
(SEC). On the face of the 10-K will be a
statement to this effect:

---------

The 10-K will contain the following sections:
-- An overview of the company and selected
financial data
-- Director and senior management information
including executive compensation, as well as
signatures by senior management and the
directors

-- Consolidated financial statement including
the Report of Independent Registered Public
Accounting Firm
-- Notes to the financial statements

-------

Form 10-Q
This is the quarterly and slimmed-down
version of the 10-K.
It typically only includes unaudited financial
statements, notes to the financial statements
and a management discussion.

Annual Report
This publication is sent to all shareholders and
is available from the company for prospective
investors. The annual report varies from
company to company.


---------

Finally; Remember To Read
the Letter From the CEO

The CEO (chief executive officer) is the leader
of a company.

In that capacity, not only does the CEO
manage the current operations of the
company, but he also sets the vision for the
future.

Thus, as an investor, what you want to hear
from the CEO is where the company has come
from, where it is and where it is going.
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Financial statement
A financial statement (or financial report) is a formal
record of the financial activities and position of a
business, person, or other entity.

Relevant financial information is presented in a
structured manner and in a form easy to understand.
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Proxy statement

A proxy statement is a statement
required of a firm when soliciting
shareholder votes. This statement is filed
in advance of the annual meeting.

The firm needs to file a proxy statement,
otherwise known as a Form DEF 14A
(Definitive Proxy Statement), with the
U.S. Securities and Exchange
Commission.
-------------------
A proxy statement must be filed by a
publicly traded company before
shareholder meetings, and it discloses
material matters of the company relevant
for soliciting
Proxy Statement

A proxy statement must be filed by a publicly
traded company before shareholder meetings,
and it discloses material matters of the company
relevant for soliciting

The SEC requires that shareholders of a
company whose securities are registered under
Section 12 of the Securities Exchange Act of
1934 receive a proxy statement prior to a
shareholder meeting, whether an annual or
special meeting.

The information contained in the statement must
be filed with the SEC before soliciting a
shareholder vote on the election of directors and
the approval of other corporate action.

Solicitations, whether by management or
shareholders, must disclose all important facts
about the issues on which shareholders are
asked to vote
How can I obtain a copy of
a company's annual proxy
statement?


A company is required to file its annual proxy
statement with the SEC no later than the date proxy
materials are first sent or given to shareholders.
You can see this filing by using the SEC's
database, known as EDGAR.

To access the EDGAR database, go to the SEC's
web site - www.sec.gov - and find the section
entitled "Filings and Forms (EDGAR)." Click on
"Search for Company Filings."

When you get to the screen entitled "Search
EDGAR Database," click on "Companies and Other
Filers." Then enter the name of the company and
then click "Find Companies." Select the
appropriate company to view its SEC filings.

To view the annual proxy statement, select the
most recent filing that has the title "DEF 14A." It's
called a "DEF 14A" because it's the "definitive," or
final, proxy statement. "14A" refers to the fact that
proxy statements are filed pursuant to Section
14(a) of the Securities Exchange Act of 1934
''Financial Statements: How to read a financial statement, income statement, profit and loss
statement, balance sheets, cash-flow statement? READ MORE BELOW!