Investment Seminars: What You Need to Know???
An invitation to an investment seminar. In just a few hours you can learn secrets that
will allow you to strike it rich in the financial markets. Best of all, there’s no charge
whatsoever. So what’s the catch?
=======

The instructor will probably take them through some live examples of what’s
happening in the markets that day.

They’ll get a tour of the facility, see the professional workstations used by our
continuing students, get a chance to talk to some of these students one-on-one. It’s a
“free sample” that makes you want the product, we hope.

A less valuable investment seminar is one in which the entire event is a sales pitch. A
company might rent a hotel ballroom, bring in professional speakers for a “road
show”, ask you to pay for the real thing, then disappear after the event. If you have
questions, there’s nobody to answer them.


And often you’re asked to buy proprietary software at considerable cost to get the
“edge” that has been promised.

The key thing to remember is that the successful investor is the educated investor.
You really do need training and practice to begin seeing patterns in the markets while
you develop a trading rhythm and overcome personal bad habits that make you hit the
sell button too soon, or hold onto a loser for too long.  

There is a winner and a loser in every trade, and the winner is almost always the more
skilled and experienced investor.

An investment seminar has a legitimate place in providing these skills and
experience. Just be sure it’s not a “one-and-done” concept.
Investing Seminars and Webinars

Invest for yourself, but not by yourself
Join us for free investment education events that will help
you get more
from your investments, no matter what level of investor
you are


''Find an event that’s right for you''
You've received an 'exclusive' invitation through the mail to attend a 'premier wealth
event'.

There will be motivational speakers. Their financial secrets have the power to turn
you into a millionaire within a few years.

Sounds great but such claims are almost always over-hyped or misleading. The
recommended investments can be expensive, highly risky and lose you money.

Here are some warning signs to help you recognise dodgy investment seminars and
avoid being ripped off
Investment seminars
=====
Big promises equal big risks

Here are some promises typically made by dodgy investment
seminars:

Risk-free investments
Be a millionaire in a few years
Above average returns at little or no risk
Government-approved investments
=
Seminars often don't deliver any concrete investment opportunities. The first event
may be free. When you attend you will be pressured to buy reports or books and 'sign
up' for more expensive seminars or educational courses. The only person making any
money will be the seminar organiser through the fees you pay.

========
Seminar Fees and Lodging. The IRS clearly states in Publication 550 that investment
seminar-related expenses are not tax deductible as an investment expense.
Investor Alert:  Investment Seminars
– Trading Seminar ... - Webinar Training
Videos... How To Invest - Where To
Invest - When To Invest - What To
Invest In???
Welcome To The Home Of Knowledge Financial
Group, Knowledgefinancialgroup.com The Fortune
Creator Site, Where You Can Learn What You Want,
When You Want It. Anywhere - Anytime...
====
We Inspire, Educate, Inform, Motivate And
Lead...

“We're The True Teachers Because, True
Teachers are those who use themselves as
bridges over which they invite their students to
cross; then, by facilitating a joyful crossing
with encouragement and then to create their
own bridges to help others cross.”

Anthony Jeanty!

======
'' Banking And Finance ''
''
Investing Basic ''
''
Investing In Stocks ''

''
Investing In Mutual Funds ''
''
Investing In Index Funds ''
''
Investing For Retirement ''

''
Investing In Insurance ''
''
Investing In Bonds ''
''
Investing In Residential Real Estate''
''
Investing In Commercial Real Estate''
''
Investing In Tax Lien Certificates ''

''
Investing In Forex Market ''
''
Investing In ETF's=Exhange Traded Fund''
''
Accounting Basic ''
''
Personal Finance ''
''
Fortune Builder ''

''
Wall Street Market Millionaire ''
''
101 Ways To Make Money ''
''
Retirement Planning ''
''
IRA's - 401k's - Pension Plan ''
''
Life Insurance ''
''
Business Start Up ''

''
Business Blogs ''
''
Investing Blogs
'' Financial Blogs''
''
Financial Literacy ''
''
Money Management ''
''
American Dollar ''

''
Millionaire Mind Set ''
''
Earned Income''
''
Passive Income ''
''
Portfolio Income ''
''
Residual Income ''
''
Free Credit Report ''
You need Java to see this applet.
'' REAL ESTATE INVESTMENT SEMINAR: Many people usually ask “Is real
estate a good investment?” The most important question is: Are you a good
real estate investor?”
===
''
Investment Seminars: – Trading Seminar ... Webinar Training Videos... How
To Invest - Where To Invest - When To Invest - What To Invest In???
===
''
Insurance Training Course, Free Training Free seminars and classes are
specifically for insurance professionals  Free License..
====
''
Tax Seminars - Tax Webinar - Tax Training.. Become a Successful Tax
Professional.. The most complete, most up-to-date online tax
course available!
KNOWLEDGE FINANCIAL GROUP

All Learning Center articles are general
summaries that can be used when
considering your financial future at various
life stages.

The information presented is for educational
purposes and meant to supplement other
information specific to your situation.

It is not intended as investment advice and
does not necessarily represent the opinion
of Protective Life or its subsidiaries.

Neither Knowledge Financial Group  nor its
representatives offer legal or tax advice. We
encourage you to consult with your financial
adviser and legal or tax adviser regarding
your individual situations before making
investment, social security, retirement
planning, and tax‐related decisions.

- KNOWLEDGEFINANCIALGROUP.COM
SOUTH FLORIDA, FOR ANY QUESTIONS
REGARDING:
LIFE INSURANCE POLICY,

REAL ESTATE BUYING, SELLING, AND
INVESTING;
CONTACT ANTHONY JEANTY, YOUR
NEIGHBORHOOD AGENT AT: 786-631-7740 =

DISREGARD ALL OTHER # NUMBERS IN THIS
SITE.
YOUR ONLY NUMBER IS: 786-631-7740 ==
KNOWLEDGEFINANCIALGROUP.BLOGSPOT.COM
'' PC - Free Personal Computer Repair..
Do you have a slow Computer? Do Not buy a new PC or
call a PC repair company.
Try These Easy Methods
First...
----------------
''
CAREER OPPORTUNITY TO MAKE GOOD MONEY ''
THIS GREAT OPPORTUNITY IS FOR BUSINESS ORIENTED
PEOPLE WHO REALLY WANT TO MAKE UNLIMITED
EXTRA MONEY AND GETTING MORE KNOWLEDGE &
EXPERIENCE IN THE FINANCIAL INDUSTRY.
LEARN
MORE...
----------------
''
101 Ways To Make Money, Best Business Ideas Ever
Found On The Web To Become Financially Secure. The
Path To Financial Freedom...
19 Great Jobs Without A College Degree – And How To
Get Them Fast You can get a great job without a
college degree.  That’s right. Great jobs without a
degree are not impossible to find.
LEARN MORE...

-----------------
''
The Successful Investment Journey ...
Ten Tips For The Successful Long-Term Investor..
''Having A Plan: The Basis Of Success''- Any veteran
market player will tell you, it's vital to have a plan of
attack..
The Habits of Highly Successful Investors: How to
Invest for Profit in Today's Market.
LEARN MORE...

-----------
'' ''
Saving & Budgeting: Save Smartly, Invest Wisely''---
KNOWLEDGEFINANCIAL.COM -
Managing Money - Budget Basics...
Creating a Budget Doesn't Have to be Hard..
Ten Resolutions to Make Your Financial Life Easier...
LEARN MORE...
-----------------
''
Financial Knowledge; Knowledge is power, and a well-
rounded
education includes an understanding of financial
basics that are built upon with continued learning.
LEARN MORE...
Anthony Jeanty, Agent Anthony Is Proud To
Serve & To Help The People In Miami Dade,
Broward & Palm Beach County, Florida With
Their Real Estate Needs And Also Life Insurance.
------------
Thank You In Advance For Thinking About  
Anthony Jeanty, Agent Antony As Your Potential
Agent.
------------
Agent Anthony Is On Every Social Media You Can
Think Of. Please Follow Us, Connect With Us,
Like Us...

''
Facebook  / - / Twitter  / - /  Linkedin  / - /  
Trulia/Zillow  / - /  Agent Athony Website  / - /

''
Agent Anthony on Google+ Plus  / - /   '' Agent
Anthony Blogs  / - /  Agent Anthony Webpage  / - /

Agent Anthony Activerain  / - / Profile Of An
Agent  / - /
Ways to easily access a company's financial
statements.
..

Financial reports previously were required to be mailed to shareholders. When that
was the case, even the least-interested investors would have trouble ignoring
these massive documents when they landed in the mailbox.

But in the era of investment documents being distributed electronically, it's easy
for investors to overlook financial reports. Yet the Securities and Exchange
Commission makes nearly all company financial reports available, for free.

The SEC's Edgar system is an online database that allows investors to view or
download the financial statements issued by thousands of companies

How to download company financial reports for
free


The SEC's website, while powerful and comprehensive, isn't designed for casual
investors. Some users might get confused with some of the navigation of the site
and have trouble finding the financial documents they're interested in.

There are some alternatives for investors who want to read financial reports, but
might be confused by the
SEC's site, including:

• The company's investors relations website. Most large companies maintain a
stand-alone area on their website that houses all the key financial statements.

You'll find earnings press releases and the key financial documents, including the
annual report. Some companies will also provide transcripts from conference calls
and investor presentations.
Be careful, though. When investing in companies, especially smaller firms that
don't have the same oversight from regulators and auditors, make sure the
documents are available on the
SEC's website also. You want to make
sure you're reading actual documents that were filed with the SEC, not
fabricated documents that were simply posted to a website.

• Third-party sites that access Edgar. There are websites that link into the SEC's
Edgar database. These websites typically feature a more user-friendly or
powerful website that then taps into the Edgar database. There are a number of
services that are aimed at professionals and charge a fee, including Morningstar
Document Research.

One free option for individual investors is last10k.com. The site is designed to
be more familiar to individual investors and use a more standard method of
navigation. Just go to the site and enter the symbol or name of a company. You
can then select the type of report, 10-K (annual report) or 10-Q (quarterly report)
you're interested in and the time frame.

• Aggregation services. Sometimes investors don't need to actually access the
original document. There are websites and services that pull all the key numbers
out of financial statements and present them all in one place.
How to download company financial reports for free..

View up to ten years of 10-K annual reports
Access a company's most recent 10-Q quarterly
reports
Read press releases of operations and financial
conditions...

Get Direction on your Investments
'' Get Direction on your
Investments...
How to Look at Financial
Statements to Invest in Stocks
...

Financial statements include the income statement, balance sheet
and statement of cash flow. They contain current and prior-period
results, as well as supplementary notes and management's analysis
of current and future business conditions.

The statements are useful for analyzing trends and comparing
different companies in the same industry.
Balance Sheet

The balance sheet summarizes a company's assets, liabilities and
shareholders' equity, which is the difference between assets and
liabilities.

Determine if short-term liquid assets, such as cash and accounts
receivables, are sufficient to cover current liabilities, such as bills
payable and short-term loans.

Analyze a company's level of debt with respect to its assets and
equity. Companies with high debt levels lose operational flexibility.

For example, rising interest rates could lead to higher expenses,
which would drive down profits and stock prices. Similarly, falling
revenues during an economic recession could lead to cash flow
problems and possible default on debt payments.


Income Statement

The two key lines on an income statement are the top and bottom
lines. The top line is the revenue and the bottom line is the net
income.

You subtract cost of goods sold, administrative, marketing and other
expenses from revenue to calculate net income. Successful
companies are able to maintain or grow their top and bottom lines.

The stock markets pay particular attention to earnings per share,
which is the ratio of net income, after subtracting preferred
dividends, to the number of outstanding common shares.

A stock's price-to-earnings ratio is useful for determining entry and
exit prices. The PE ratio is the ratio of the stock price to the trailing
12-month EPS.

A possible entry point for a stock is when its PE ratio is at or below the
industry or market average. Some companies distribute part of their
profits as dividends to shareholders.

The stocks of these companies are attractive investments because
investors receive regular income and participate in capital gains.


Statement of Cash Flows

The statement of cash flows summarizes the cash inflows and
outflows from various activities. Consistent cash flows provide
strategic and operational flexibility.

Companies could make plans to enter new markets, build new
facilities and invest in research and marketing. Disregard the cash
flow effects of one-time events, such as issuing new shares or
building new facilities.
How to Look at Financial Statements to Invest in
Stocks...

Guide to Understanding Financial Statements

The Beginner's Guide to Understanding,
Analyzing, & Reading Financial Statements
...

Financial statements are the report card of
business.
Whether you are a new investor, a small business owner, a
manager, an executive, a non-profit director, or just trying to keep track of your
personal finances, you need to understand how to read, analyze, and create
financial statements so you can get a full and accurate understanding how much
money there is, how much debt is owed, the income coming in each moth, and the
expenses going out the door. This guide to financial statements will teach you how
to do all of that.
Many of the financial statements you
need to understand a company are
contained in the annual report.
This will
give you an overview of the annual report, how you can
request one for a potential stock, and why you need to get your
hands on it if you plan on analyzing financial statements. Get
familiar with the annual report and learn how to order one for
free ...
---------------------

Annual Reports: What They
Are and Why Investors Care

A Company's Annual Report to
Stockholders Is Among Its
Most Important Documents ..

Many investors know that they are supposed to request a
company’s annual report to understand the business but they
don’t really know what it is or why it is important.

I want to take some time to explain it to you, as well as explain
how you can get your hands on the annual report of a business
in which you are interested in making an investment, whether
that interest falls more toward becoming an owner by
purchasing stock or lending money to the company by
purchasing bonds.

-----------------
What Is an Annual Report?

The annual report is a document prepared by a company’s
management to the shareholders and stakeholders, including
employees, unions, vendors, and regulators, explaining what
happened in the business for the year.

There are no real rules for what an annual report contains and
some companies don’t even prepare one.  Often, though, a lot
of time and effort is put into this special document resulting in
valuable information that you can't discover easily anywhere
else.

Most annual reports begin with a
shareholder letter from the Chief
Executive Officer.
 While some businesses use this
as little more than an opportunity to have a ghost-written
marketing message pushed to a large audience, many CEOs
work long and hard on their letter, using it as a chance to
provide insight into the state of the sectors or industries in
which the company operates, the nature of the competition
faced by the firm, challenges or opportunities that have
presented themselves, an explanation of some of the causes
behind the figures found in the financial section, insight into
the future of leadership at the business (especially in cases
where the CEO plans on retiring), modifications in dividend
payout policies, and much more.



Although you never want to make an investment based upon
the "tone" of an annual report, it can give you important clues
about the type of people to whom you are entrusting your
precious capital.  There are certain signs of shareholder-
friendly management that tend to exert themselves in ways that
let you know you're dealing with people who are interested in
protecting your assets.


As you gain experience, you'll also begin to recognize other
signs that you're dealing with someone who shouldn't be
trusted or isn't competent.  Off the top of my head, I can name a
handful of management teams for firms in the S&P 500 that I
don't trust.  As a result, I either won't invest in the business or
require a much larger margin of safety than I otherwise would
were I dealing with someone that I believed both honest and
capable.
10K and the Financial
Statements ...

What Is a 10-K and Why
Should an Investor Read It?

A Brief Overview of the Form
10-K
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, why they are important, and the information you're likely
to find in it.

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

The Form 10-K is an annual filing that
publicly traded companies are legally
required to send into the Securities
and Exchange Commission
.  The Form 10-K
contains almost everything about the business that an investor
would want to know before buying or selling shares of stock in
the corporation or investing in the firm's corporate bonds.
These documents are available to the public for free and can
be accessed physically in Washington, D.C.



or downloaded online from innumerable websites, often
including the company itself, which wants to make them easily
available for existing and potential investors.

The best way to think about a Form 10-K is to
consider it a document that the government forces
management to prepare for you, the owner, explaining the
company’s finances, risks, opportunities, and current
operations.

It is full of the nitty-gritty details that make a lot of people’s
eyes glaze over and, unfortunately, there is no way to simplify
it. Once you’ve read a few 10-K filings, they will begin to look
more and more accessible because they typically follow the
same pattern.

Some Things an Investor Might Find
in a Form 10-K Filing

There are many required parts of a 10-K.  Let's look at a few of
them so you can feel more comfortable before you try and
tackle your first SEC filings.

A Form 10-K filing will include an
explanation of a company’s operations,
how it
makes its money, and the markets in which it currently
operates. This explanation lets you understand the business.



You’ll be surprised by some of the things you find. One of the
greatest investments of the 1990’s was a mutual fund company
called Janus that began as a tiny subsidiary of a railroad in
Kansas City. Shareholders who went through the Form 10-K and
found that this little money management unit was doing
spectacularly made enough money to retire in just a few short
years.

A Form 10-K filing will provide
disclosures of risks the company
faces, including current lawsuits
. In my
time, I’ve actually come across companies that otherwise
looked very healthy but were facing the spectre of bankruptcy
due to pending lawsuits that threatened to take down the
whole firm. Famous cases include the asbestos trials several
decades ago when businesses that were only tertiarily related
to construction were sued and forced into liquidation or
reorganization, wiping out the stockholders.

You definitely want to take time to read these risk disclosures.  
Current account rules are written in a way that if management
cannot accurately predict the potential damage, it may not have
to put aside any reserve at all so the exposure doesn't show up
in the financial statements.

A Form 10-K filing will include the
financial statements,
such as the income
statement and balance sheet, that show you how much money a
company made, its debt levels, and other important data. The
financial statements are the most important part of the Form 10-
K filing because, together, they allow you to see what is going
on with a company’s finances.

The process of reading these financial statements is not as
difficult as it sounds, but there are dozens of pitfalls that you
should be looking for as you read the 10-K. Discussing those
here is far beyond the scope of this article, but if you read
Investing Lesson 3 – How to Read a Balance Sheet and
Investing Lesson 4 – Income Statement Analysis, I will spend
more than one hundred pages walking you through the process
line-by-line.

It will take you far less time than taking an accounting course at
a local college but by the time you’re done, you will be years
ahead of your friends and family in understanding how to
interpret the numbers.

A Form 10-K filing will list aggregate
operating leases that don’t count as
debt on the balance sheet but are real
obligations nonetheless.
There are many forms
of debt that can make a company go bankrupt that do not show
up on the balance sheet due to accounting rules but the law
requires the payments be disclosed in the Form 10-K filing. By
way of illustration, imagine that you owned a small clothing
boutique at the local mall and had no debt.  You have signed a
lease that requires $10,000 a month in rent to the mall owner.

According to GAAP rules (those are the guidelines that
determine how the finances must be disclosed), you may end
up showing little or no debt. If revenues decline and you stop
sending checks to the landlord, the mall owner can kick you out
of your storefront and force your company into bankruptcy due
to the missed lease payment.

These obligations are disclosed somewhere in the Form 10-K,
often under a section called "operating leases", "fixed
payments", or "minimum cash payments due".  Find it. Read it.
Know it.

A Form 10-K filing includes a look under the
hood at a company’s accounting policies and
practices
. Imagine that you are considering buying stock in a
washing machine manufacturer.

This company suddenly is in the news because a lot of models
are breaking down beyond repair. Is the company on the hook
for taking them back from customers? In the Form 10-K filing, a
company must disclose its warranty policies and estimated
warranty costs for products it sells or manufactures.

A Form 10-K filing includes signed
letters from the CEO and CFO
swearing under oath that the books
are accurate to their knowledge.
These
letters were made a requirement after the accounting frauds
following the dot-com bust when Worldcom and Enron
dominated the headlines.

They are a way for the government to prosecute executives
that knowingly falsify their Form 10-K or other required
disclosures.

A Form 10-K filing includes a letter
from the company's independent
auditor.
 This letter should detail the scope of their
certification of the financial records, as well as any material
deficiencies it uncovered.  

If the auditor thinks the company could face immenent demise,
you may see a reference to a question as to its ability to
"continue as a going concern" or some derivation thereof.  If
you ever come across those words, or a similar phrase, alarm
bells should be ringing.

You'll Notice Certain Patterns In Form
10-K Filings By Industry and Sector

As you develop your own circle of competence around certain
industries and sectors, you'll notice specific things that are
unique in the 10-K filings of the firms you are analyzing.  

For example, if you are investing in bank
stocks
, you'll realize that it's common to find page after page
of information in the Form 10-K filing on the financial
institution's book of loans detailing the geographic breakdown
of the money it has loaned to customers, the type (residential
mortgage, small business, real estate development,
automobile, student loan, etc.) of loans

it has made, the weighted average interest income it is
generating on those loans, the non-performance and default
experience it is having with those loans, and the reserves it is
putting aside from income to cushion against future problems
with those loans.

Getting Started on Your Journey to
Using 10-K Forms in Your Investment
Analysis

In a nutshell, those are the important parts of
a 10-K.
 Learning to read one is sort of like swimming.  At
some point, you have to jump in the pool and get wet.  You
don't need to start doing Olympic-quality dives right away, so
feel no pressure to get into sections dealing with things like
advanced pension accounting immediately.  

Instead, just flip through the pages and read what you do
understand.  Keep doing this, building on your knowledge brick
by brick.  Learning to invest is a process and everyone starts
somewhere.

There was a point in time when even I had absolutely no idea
what those numbers meant.  You can learn this, and you will
learn this if you are willing to put in the work.

Some useful additional information: A
Form 10-Q filing
is a smaller version of the Form 10-
K filing.  The Form 10-Q filing is filed at the end of each
business quarter with the SEC.  To learn more, check out my
financial statement guide for new
Visionone Holding Company
‘’Financial Group /-/
Resource Center
/–/
Knowledge
Center /–/
Financial Service /–

/
Personal Finance

/–/ Wealth Management
/–/

Financial Planning /–/

/-/
Investing Tips /–

/
Wall Street Market  /–/

Investment Help &
Options /-
/
Market Advice /-/

Real Estate /-/

Insurance  /-/

Millionaire /-/

Portfolio /-/

Investment Conference
/ - /
KNOWLEDGEFINANCIALGROUP.COM
'' Knowledge Is The Most Powerful Ingredient In The Recipe Of Success & Knowledge Is The   
Pathway To Financial Security, Freedom, And Economic Independence. Guess What? The Best  
Knowledge Starts Here At Knowledge Financial Group - KNOWLEDGEFINANCIALGROUP.COM -
Here, We  Empower, We Inspire, We Educate, We Inform, & we Motivate''
'' Learning Tools And Resources ''.
''Financial Literacy 101: Investing,
'' Business Information Center -''
''
Personal Finance 101.
'''' Banking & Finance  -''
'' Business & Investing -''

'' Economy & Commerce -''
'' '' Government Help & Subsidies -''
'' Portfolio Directory & Wealth Management''
'
'
Investment Account & Brokerage Firms ''
'
Personal Finance 101 - Useful tools &
resources''
''
Saving And Budgeting - Excellent Ways to
Save Money
'' FREE CREDIT REPORT CAN HELP YOU FIND OUT WHAT'S
GOOD OR WHAT'S BAD AND ALSO DETECT ID THEFT!  ''
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.

==========

The 10 Commandments Of Investing

1. Thou Shalt Set Clear Goals

If you don't have a purpose or a set of clear goals to guide your investment strategy, don't invest. This sounds harsh, but there are so many types,
styles and flavors of investing that, without a particular destination, you will be lost at sea. Knowledge Financial Group - Knowledgefinancial.com

========

2. Thou Shalt Put Thy Financial House in Order

To become a successful investor, you have to make sure that your personal finances are in order first. Investing without a purpose is bad, but
investing when you have high-interest debt is much worse.

If you are drowning in overdue bills and credit card payments that you can't meet, take care of those more serious problems before getting too
deep into investing.

========

3. Thou Shalt Question Authority

Investing is more about the art of asking and answering the right questions than it is about deciding when to buy and sell. CEOs, CFOs, CPAs,
CFAs and all the other acronyms that we use to classify Wall Street's professional caste can't hide the fact that they are human, and that humans
sometimes lie. Analysts get kickbacks, CEOs get stock options and recent accounting scandals, show that impartial accounting is not guaranteed.


To question authority, you will need to educate yourself, especially on the subject of financial. Press releases are flakes of snow that rain down on
investors and melt away, but financial stick around. Although financial can be tampered with, there is always a trail left behind.

========

4. Thou Shalt not Follow Sheep

Herd mentality leads to destructive rampages down Wall Street. Investing passively by sticking to funds, indexes and other mainstays of the
coach potato portfolio is a perfectly acceptable practice. The danger comes when people move from being a passive investor to an active
portfolio, but they continue to stick with the behavior of being a passive investor. Knowledge Financial Group - Knowledgefinancial.com


There is a lot of available information for such investors - much of which is true - but accepting it with an uncritical eye and neglecting to check it
yourself is what leads to herding. This includes getting the latest and greatest stock tip from your Uncle George.

A person can effortlessly become one of the investors that the analysts shepherd into various "must-buy stocks" after they have become
overpriced.

========

5. Thou Shalt Be Humble

If you take the first four commandments to heart, there is a good chance that you will perform better than the majority of individual investors and
many of the professionals. Knowledge Financial Group - Knowledgefinancial.com

But sometimes, particularly during a bull market, gains are not dictated by investor actions as much as by having money in the market, so don't
allow yourself to become overconfident.

Overconfidence often leads to overtrading, taking unnecessary risks and eventual losses when the bull turns bear. Also, remember that you incur
commissions every time you trade - this expense can often erase profits or increase losses.

========

6. Thou Shalt Be Patient

Patience is a virtue for a good reason: It pays for itself. When the market dips, or even when a particular stock dips, there are always investors
who panic and sell. Selling should be treated just as seriously as buying.

If it is just a bump, ride it out. If there is truly a problem with the stock, take your time as well - you may find a way to use it in a gain-loss
transaction that will save you taxes.

By the time you hear it, bad news has already settled in - taking your time isn't going to make it much worse.

=========

7. Thou Shalt Show Moderation

Investing too much is not a problem many people have, but it can happen. It is said that the pain of a loss has twice the emotional strength of the
pleasure of a gain. For some people, this results in pulling out of the market prematurely, as mentioned above. Knowledge Financial Group -
Knowledgefinancialgroup.com  

For others, losing propels them into successively riskier ventures in an all-or-nothing attempt to win those losses back. Losses are hard to take,
but look on the bright side:

You can sell a loss to offset a gain in another sector or, if it is in a retirement account, you can use it as a tax write-off. Concentrating your money
too much in one area, either by sector, risk level or even keeping it all in the stock market, is a sure way to see more of nothing than all in an
all-or-nothing game.

===========

8. Thou Shalt not Ogle Thy Investment

There is nothing like a market correction or a general upswing to change perfectly normal investors into fanatics who have market updates text
messaged to their cell phones every five minutes. As with Fidelity, the axiom, "look, don't touch" is insufficient because the more you look, the
more you want to mess around with your investments. It is not clear if it is a symptom or a cause, but this rabid over-monitoring almost always
leads to unnecessary churning in sufferers' portfolios

===============

9. Thou Shalt not Court or Spurn Risk

You should never put everything you have into futures, but you also shouldn't hold everything in Treasury bills. There is an appropriate level of
risk for investors of every age and creed.

============

10. Thou Shalt not Make Heroes of Mere Men

There is no perfect investor. Warren Buffett, George Soros and Peter Lynch have all slipped up from time to time. That doesn't stop them from
being great investors who are worth studying and learning from. That said, you should never mimic an investing strategy that you do not fully
understand. Knowledge Financial Group - Knowledgefinancial.com


There is too much guru-ism going on among investors - so much so that credentials are often lost beneath book titles in which the word "rich" is
prominently featured.

As with the early caution against trusting authority, you have to question everything. Even if a strategy works for a certain period of time, once it
becomes widespread, it skews the system.

For example, the publication of Lynch's tenbagger strategy has led to too many people searching for those stocks, leading prices to become
inflated to adjust for the non-market driven demand. Skeptics survive on Wall Street much longer than believers.

===============
''Real Estate Investing:  Here are more than 15 ways to start investing in real
estate to make money...''
-----------
''Types of Property Ownership:
There are a variety of forms of ownership of
property people need to know about...
---------
''Find 55+ Communities and Senior Living.
Affordable Retirement
Communities. Resort Properties For Seniors...
-------------------
''
How to Make Money in Real Estate? Types of Real Estate to Invest in... Real Estate Invesing,
Active vs Passive??
------------------
''
Ways To Invest In Real Estate Without Buying Property... How to Better Investing in Real
Estate With No MORTGAGE?  
''Insurance Blog // Real Estate Blog // Business Blog // Networkmarketing Blog // Entrepreneurship Blog // Nursing Blog // Financial
Blog //
Social Media Blog // Academy Blog //  Knowledge Financial Group Blog  //  Visionone Holding Blog  // Vision-Goals&Dreams -