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The first step, and most important step in buying a home: Is
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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!

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7 Things Not To Do, Or To Stop Doing Now on Facebook,
--------------------------------------
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 --

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  --

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  ---

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. ---
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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
KNOWLEDGEFINANCIALGROUP.COM
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 --KNOWLEDGEFINANCIALGROUP.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
LOW COST LIFE INSURANCE, BUT VERY GOOD PLAN
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10  Home Buying Mistakes To
Avoid--  
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.
We at knowledge financial Group -
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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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Nancy Douyon | LinkedIn
https://www.linkedin.com/in/nancydouyon
San Francisco Bay Area - ‎User Experience Lead, Global
Innovator, Speaker - ‎Google
View Nancy Douyon's professional profile on LinkedIn. LinkedIn
is the world's largest business network, helping professionals
like Nancy Douyon discover
-----------------

Nancy Douyon HomePage - Personal - University of Michigan
www-personal.umich.edu/~ndouyon/
My name is Nancy Douyon. I am an interaction designer and
studied Human Computer Interaction at the University of
Michigan. My passion is in user
---------------

Nancy Douyon - UX Research Program Manager @ Google ...
https://www.crunchbase.com/person/nancy-douyon
Nancy Douyon is a User Experience Research Program
Manager at Google. She has a special focus on remote user
research methods and emerging markets
---------------------
Douyon Signature
https://www.douyonsignature.com/
Nancy Douyon's body of tech work and social impact is
recognized for it's sharp focus on user experience, product
excellence and empathy-first approach
-----------
Nancy Douyon - UX Research Program Manager @ Google ...
https://www.crunchbase.com/person/nancy-douyon
Nancy Douyon is a User Experience Research Program
Manager at Google. She has a special focus on remote user
research methods and emerging markets
------------
Nancy Douyon - Geek Girl Rising
https://geekgirlrising.com/geekgirls/nancy-douyon/
Nancy Douyon. Global User Experience Lead. Google. Corporate
Leaders. “Every day, affirm yourself by saying out loud, 'I am
good. I am smart. I am able
Nancy Douyon:
Honors & Awards
2016 Honors
2016 Speaker, GE: GhostRed Designing Products and/or
Software with Inclusivity in Mind,
2016 Speaker, Global Citizen Festival: Made with Code intiative,
Careers In Tech For Young Women
2016 Speaker, Designing Products: Research Stories Untold, SF
Design Week, Zendesk
2016 Speaker, Google, Race@ initiative: Programming and
Prejudice: Can Computers Be Racist?
2016 Podcast Speaker, Heroine Live!, Fight for Authenticity
2016 Speaker, Google UX Diversity Talk
2016 Speaker, Google Bringing the Cloud Down to Earth
2016 Speaker, Facebook Tech Diversity Hack Day
2016 Speaker, UX Research Leadership
2016 Speaker, The White House Caribbean Heritage Month
Celebration Symposium
2016 Speaker, Google Bay Area Blacks in Tech Showcase,
Topic: Are you smarter than the users?
2016 Speaker, GirlTank, Topic: Brand You
2016 Keynote Speaker, National Society of Blacks in Computing
Conference, Topic: Personal Branding
2016 Speaker, Empowering-Her Lighting Talk & Happy Hour
2016 Speaker, AIGA Designing Products series: Research
Stories Untold at SFDW Inbox x
2015-16 Board Member of Africa Impact Group Www.
africaimpactgroup.com
2016 Adobe Panelist, "UX Design Think Tank" – sharing insights
of what it’s like to design today
2016 Google Platinum Award: Project Fi Launch(The Platinum
award recognizes empowering Googlers whose contributions
have strategic and long-term impact to the organization. They
not only drive the global business but also the Google culture.
Their leadership and initiative makes the business, the users,
and themselves thrive.)
2016, Google Peer Bonuses, Spot Awards and Kudos for above
and beyond work
2016 Media
Websites and newspapers

Le National
http://www.lenational.org/ambassadeur-altidor-faut-marteler-
contribution-dhaiti-a-societe-americaine/
http://www.lenational.org/dener-ceide-chante-haiti-a-maison-
blanche/
http://www.lenational.org/emeline-michel-jai-dedie-ode-a-lame-
creole/
http://www.lenational.org/nancy-douyon-culture-conquerir-
monde/

Ticket Magazine/Le Nouveliste
http://lenouvelliste.com/lenouvelliste/article/160306/Des-etoiles-
haitiennes-a-la-Maison-Blanche

Radio Television Caraibes
http://www.radiotelevisioncaraibes.
com/nouvelles/nouvellesdiaspora/des_toiles_ha_tiennes_la_maison_blanche.html

L'Union Suite
http://www.lunionsuite.com/photosvideos-caribbean-american-
heritage-month-celebration-white-house/

South Florida Caribbean News
http://sflcn.com/white-house-celebrates-impact-caribbean-
culture

Jamaicans.com
http://jamaicans.com/caribbean-american-heritage-month-
briefing-and-celebration-at-the-white-house/

Voice of America
http://www.voanouvel.com/a/karayib-eritaj-kiltirel-mezon-blanch-
stephan-durand-altidor-cesar/3387499.html

http://www.voanouvel.com/a/3389336.html


Social Media
VOA Kreyol
The Haitian American
L'Union Suite
South Florida Caribbean News
2015 Honors
2015
2015, Huffington Post Article Feature, 13 Brilliant Women
Innovators and SMEs
2015. Awardee, 40 Under 40: Tech Diversity for Silicon Valley
2015 Speaker, An evening with Google - Vol. 1 "Engineers @
Work", Google Speaker Series
2015 Speaker, Twitter, Are you CEO of your own career?
2015 Speaker, Pinterest, Designing with Delight Case Study
2015 Moderator and Speaker, Tech Inclusion Panel, Allies
2015 Blavity​ Black Women in Tech, Speaker: Black Women in
Tech
2015 Speaker: UX for Emerging Economies
2015 Grow Technology Speaker, Topic: Are You the CEO of Your
Own Career?
2015 BAYBIT Speaker, Topic: Designing for Delight
2015 Failure Feast StoryTeller, Topic: Success is the Ability to
Go From One Failure to Another With No Loss of Enthusiasm
2015 Boston Globe News Article, Topic: Breaking Barriers in
Tech
2015 Instructor, Tech Session for BUILDUP, Topic: Design
Thinking
2015 Instructor, Tech Session for BUILDUP, Topic: Minimum
Viable Product (MVP)
2015 Speaker UX South Africa Conference, Topic: Psychology
and UX -- Understanding how people think and feel makes
better products
2015 Speaker, UX Joburg meetup community, Topic: User
Experience Research on High Profile Projects
2015 Organizer, Speaker, Instructor, Black Techies Meetup Bay
area, UX Focus
2015 UX Researcher, Google Project Fi
2015 Instructor, speaker, judge UNC Pearl Hacks Hackathon,
Topic: Intuitive Design
2015 Organizer and Speaker, #BlackFutureMonth StorySLAM,
Topic: Beyond the 1%
2015 Speaker, YWCA Silicon Valley’s TechGYRLS STEM
program, Topic: What is Computer Science?
2015 Speaker, Richard Tapia Celebration of Diversity in
Computing, Topic: Resume Writing Workshop
2015 Speaker, Google Cambridge Grant Winners, Topic: Life @
Google.
2015 Speaker Intel Computer Clubhouse Alumni Conference,
Topic: Wellness, Connection and Reflection,
2015 Alumni Panelist, Intel Computer Clubhouse Network
Annual Conference, Topic: Life after the Clubhouse
2015 Lead EDU Google Outreach Austin, Topic: Affordance
Models
----------------

2014 Honors
2014 University of Lagos Speaker, Topic: Introduction to User
Experience
2014 Ghana Computer Science Outreach Lead, Topic:
Affordance Models
2014 Google Internal News, "Notes from the field: Bridging the
the digital divide in Atlanta"
2014 Speaker, Instructor, Black Googler Network Computer
Science Day, Atlanta GA, Topic: What is Computer Science?
2014 Broadcom Presents Design_Code_Build with Rock Star
Nancy Douyon, Topic: Computer Science & Its Changing Faces
2014 Keynote speaker at UC Berkeley School of Information
InfoCamp is an “unconference”, Topic: Crafting User Experience
2014 Speaker, Intel Computer Clubhouse Network Annual
Conference, Topic: Connect, Inspire, and Guide women into
Computing

2014 Speaker and Mentor, Google DC Hack Hackathon (Howard
University and Hampton University), Lightning Presentation: How
to Pitch and Demo, Demo, Demo
2014 Mentor, #YesWeCode Hackathon, Essence Festival,
Hosted by Prince (yes that one)
2014, Mentor, Adobe Youth Voices
2014 Instructor, Intel Engineers 4 Tomorrow, Topic: Human
Factors Engineering
2014 Judge, Google Education Rise Awards
2014 President, Bay Area Haitian Family
2014 Lead EDU Google Outreach Atlanta, Topic: Affordance
Models
2014 Instructor, Black Googler Network, Topic: Personal
Branding Workshop
2014 Instructor, Black Google Network, Topic: Relationship
Building Workshop
2014, Google Brownbag, Topic: Heuristic Design Review
2010-2013 Honors
2010
2013 Sexiest Black Female Scientists
2013 Speaker National Society of Black Engineers (NSBE),
Google Resume Writing Workshop
2013 Unsung Hero, Suffolk University
2013 Haiti's Prime Minister Laurent Lamothe visits Google
employees of Haitian descent, Nancy Douyon
2013 Organizer and Lead, UX Design Jam Roadshow Berkeley I-
School, Stanford D-School, University of Michigan and Clemson
----------------

University
2012 NPR Michigan Moth StorySlam Winner
2012 Keynote Speaker at Governor Deval Patrick's "The
Science Behind the Stars" at the Museum of Science, Boston

Topic: I am not a Unicorn
2012 Speaker, Intel Scholar, Topic: From Foster Care to PhD
2011 Rachkham Graduate SCOR Conference Workshop
Speaker, “Decent Exposure: Branding and Networking”
2011 Spokesperson and Program Chair, Society of Minority
Engineers & Scientists-Graduate Component (SMESG)
2011 Speaker, MUSES (Movement of Underrepresented Sisters
in Engineering and Science)
2010 Speaker, Digital Media and Learning Conference, Topic:
The Role of Making, Tinkering, Remixing in Next-Generation
--------------

Learning
2010 Speaker, Multi-Ethnic Information Exchange(MIX)
1999-2009 Honors
2009 GEM (National Consortium for Graduate Degrees for
Minorities in Engineering and Science) Grad Lab
2008 University of Michigan GEM Grad Lab, Panelist
2008 Portland Tribune Article, Title: Intel fellow Nancy Douyon
helps kids learn the basics of the image altering program,
Photoshop, during a teach-in session
2007 Speaker, First Annual Intel Computer Clubhouse Girls

Conference
2006 Speaker, Biannual Intel Computer Clubhouse Teen Summit
2006 Keynote speaker, Inaugural Girls International Forum’s
(GIF) International Girls Summit
2006 Keynote speaker, Cambridge Community Rowing INC
boathouse fundraiser

2004-2015 Mentor, Intel Computer Clubhouse
2004 Speaker, Intel Computer Clubhouse Network 10th
Anniversary
2004 Acceptance speech, for freshman class Presidency,
Mount Ida College

2003 Speaker, United Way Women’s Leadership Breakfast
2003 Panelist, MIT Panel discussions about youth and activism,
technology and learning, and youth mentoring

2002 Speaker, Key Club International
2002 Speaker, Mentors in Violence Prevention (MVP) Bystander
Intervention Conference
1999 Interviewee, in National Center for Technological Literacy
video wall display at entrance to Blue Wing of the Museum of
Science (currently in 16th year!)
knowledgefinancialgroup.blogspot.com
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'' Visionone Holding Company: How To Invest -
Where To Invest - When To Invest - What To
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Complete Guide Of Investment Methods -
Techniques & Strategies ?*
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'' Stock Market 101: Learn Everything About
Stock Investing.. Frugal Lifestyle! How to Invest
in Stocks? The Complete Beginner's Guide to
Investing in The Stock market.
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'' How To Really Invsting In Oil In Gas To Make
Profits..
Oil & Gas Futures Trading 101 '' How To Start
Investing In OIL AND GAS?
A Guide To Investing In The Oil Markets.
--------------

'' Self - Directed IRA: What Are Self-Directed
IRAs? How Self-Directed IRAs Let you Invest in
Anything? How To Invest In Real Estate With
IRA's, 401k's money?
-------------
'' Option: What Is An Option? How To Invest In
Option contracts?
In finance, an option is a contract.. Learn more
about option...
-------------
'' Commodities 101: Overview Of Commodities
Trading .. How to Invest in Commodities - How
does commodity futures trading work..
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'' Option' What Is An Option? How To Invest In
Option & Futures contracts To Make Money? ''
The Investment Guide For Option & Futures
Contracts..
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Resources. How to invest in energy & petroleum
companies - Visiongas..
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'' Money Wisers Group, Opportunities to
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Financial Well-being. Financial Education for
Everyone.. Money Wisers Group
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'' Real Service For Investors, Home Buyers And
Home Sellers...
The Real Estate Blog That Everyone Should
Know About..
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'' Home Ownership - Affordability - Why Rent
When You Can Buy?
Real Estate Investing Guide The Right Strategy
For The Right Market.
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''  Find 55+ Communities - Affordable Retirement
Communities... Look At Few Best Affordable
Places to Buy a Retirement Home This Year...
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'' How to Find Discount Properties? Real Estate
Home Buying  / -/  Real Estate Home Selling  /- /  
Real Estate Home Renting  /
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'' American Dollar: Here's What You Need To
Know About The Dollar...
------------------
'' Money Management: Ten Resolutions to Make
Your Financial Life Easier..
Here's 10 Ways to Avoid Overdraft and Bounced
Check Fees...
-----------
'' THE RULES OF SUCCESS-The rules of
money.. THE JOURNEY, Every journey requires
a starting point, a route, and a destination. Here
it is...//
Different ways to protect your money…

You work hard for your money in a tough, competitive business climate. Whether your retirement nest egg is a thousand dollars or a hundred
thousand or more, it’s never been more important to protect it from the potholes that line the road to financial security.


Don’t Panic. If you’re like most Americans, you have some investments in the stock market. …

Don’t Panic

If you’re like most Americans, you have some investments in the stock market. Whether they are in a retirement program such as a 401(k) or IRA or
in a regular brokerage account, it’s important to stay the course.

“Fluctuations in the market are a natural part of our economic cycle,” says Linda at:
VISIONONE HOLDING COMPANY – FACEBOOK.COM/VISIONONEHOLDING

Avoid Reacting to Daily Economic Reports. “In an effort to sell newspapers and air time, the media …

Don’t Turn Off Your Buying During a Downturn. Some of the world’s most successful investors …

Don’t Try to Time the Market. “It’s better to invest regularly, without regard for the general condition.


Safe havens like bonds and certificates of deposit can protect the large gains investors have seen over the last decade should the market keep
losing ground.


If you haven’t already done so, you can always shift some of your money away from equities and into places where returns are not eye-popping but
steady and more promising.

Bonds are a good option for investors interested in “capital preservation.

“Bonds can create that protection to offset the swings in comparatively risky investments such as stocks and derivatives. SAYS, NYTON OF:

KNOWLEDGE FINANCIAL GROUP – KNOWLEDGEFINANCIAL.BLOGSPOT.COM

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

.  Avoid Reacting to Daily Economic Reports

“In an effort to sell newspapers and air time, the media trains investors to look out for the next economic number of the day,” says ANTON FROM:
FEMKONSA CAPITAL INVESTMENT – FEMKONSA.BLOGSPOT.COM



“Whether its employment numbers, capacity utilization, or inflation statistics, there is always a number of the day to tempt investors into
overreacting. In reality, it is nonsensical to react to daily economic reports. No investment strategy is better than identifying superior companies
and holding them while letting your money compound over time.” SAYS RENE AT:

VISIONONE CAPITAL MANAGEMENT – FACEBOOK.COM/VISIONONECAPITAL

Don’t Turn Off Your Buying During a Downturn

Some of the world’s most successful investors made their fortunes by buying when everyone else was selling. It’s not easy: Investing steadily
during market downturns may be too much of a psychological adventure for most of us, but there is a system that enables almost anyone to take
advantage of those tempting buying opportunities. It’s called dollar cost averaging. SAYS, NYTON OF: BUYHEREMARKET RNTERPRISE –
FACEBOOK.COM/BUYHEREMARKET


Do Everything Possible to Minimize Income Taxes

There are two kinds of dollars: taxable dollars and tax-free dollars. Keeping Uncle Sam’s share of your hard-earned money to the legal minimum by
maximizing tax-free dollars is a critical part of ensuring a comfortable financial future.

Always be sure to take every allowable deduction at tax time each year. And remember that every dollar invested in your 401(k) or your regular IRA
is a tax-deferred dollar. You won’t owe income taxes on those dollars until you begin making withdrawals after retirement, unless you have a Roth
IRA. SAYS, ARRYAN THE TAX AVISOR OF: KNOWLEDGE FINANCIAL GROUP – FACEBOOK.COM/KNOWLEDGEFINANCIAL

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

Ways to protect your money…..

Take seriously the need to finance a long life: You’ll likely live lots longer than you expect. Lifespans keep increasing and will continue to.

imits: Before it arises, decide with your spouse the limits on what you will and won’t do to support family members. Too much or too little causes
bad outcomes. If the topic of support comes up, and you didn’t plan in advance, you will be too emotional and likely over or under give. Planning
early saves relationships later.

Consider downsizing: Saves money, makes life more manageable, eases future burdens on offspring, but causes more upfront hassle and
reduces guest potential (which may be good).

Drive the safest car you can: When I was young I hot-rodded. Now I know I can’t drive as well as I could (or thought I could). Time is against you. It
only takes one idiot to ruin your life. That idiot could be you.

Build a cushion into your financial plan: Not everyone is highly disciplined about spending and planning. If you suffer a big gap between plans and
realities, it causes anxiety — which makes for worse investors and hence worse results. Create an extra cushion year by year so at the end you
aren’t trying to catch the ball with extremely shaky hands.


Have a financial back-up person — or two: Whether you, a loved one or a professional, be clear who should oversee your finances if you’re
number one choice can’t. If you ever need it, that decision made in haste and emotion could be as expensive as any.
The world has never faced a moment like this since about 100 years.

A rapidly spreading pandemic has injected deep uncertainty into the global economy, and provoked a market response not seen since the great
depression.

March 2020, Dow jones industrial average suffered its biggest hit since October 1987.

What to do when we have a market panic?

Securities analyst from: FRUITAL INVESTMENT GROUP AND WEALTH MANAGEMENT – FCEBOOK.COM/FRUITALINVESTMENT

If you have cash on the sidelines, keep your money in a short-term treasury fund/bonds. FRUITALINVESTMENT.BLOGSPOT.COM



That’s the nature of market panic, the buy orders dry up, traders step back, investors worry.

Remember, Warren Buffet; be fearful when others are greedy, and be greedy when others are fearful.



Knowledgeable investors become opportunist, they take action, they move forward when the market rebounds they smile.

Now we all accept that the bear is in the field. The long bull market has finally ended. Many people are looking for a safe side to hide their mass
fortune.

Bonds have an important place in most portfolios. Corporate bonds, government bonds, municipal bonds. Specially for those who are approaching
retirement, or already in retirement.



Visionone Holding Company team is asking people to take informed  and calculated risks, and make smarter investment decision.



By chief investment officer of: KNOWLEDGE FINANCIAL GROUP

Peace of mind information…

A.    Organize your legal affair before it’s too late.  Educate yourself about old  age and retirement benefits and wealth distribution.

B.    Why not preparing a will, a living trust?

C.     Preparing medical advanced directive is a good thing to do.

D.    Why not creating a financial power of attorney?

E.     Conveying all your wishes in writing is an excellent idea.

F.     Why not planning your estate while you are capable? Don’t wait for tomorrow.

G.    It is a wonderful move if you decide to protect yourself from identity theft as you get older.

H.    Reducing your debt by reading the fine print where the catch 22 always hide.

I.       Honestly, I realize that the language of legal and financial procedure can be confusing. Wills and trusts, codicils and probate, insurance and
annuities, taxes and estate planning. These issues may be intimidating. But, certainly getting on the top of your personal legal affairs is actually one
of the best thing you can do for yourself and your family.



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

The Role Life Insurance Can Play in a Retirement Plan... KNOWLEDGE FINANCIAL GROUP

Discover how permanent life insurance policies can help cover large expenses and provide tax advantages.

Most people understand the importance of purchasing life insurance to protect their loved ones.

With term life insurance, they can purchase this protection for a specific period of time, and money is paid to the beneficiaries if the insured person
dies during that period.

In contrast, permanent life insurance lasts as long as the policy owner continues paying premiums — and will pay the death benefit whenever the
insured person dies, not just during a specified term.


It’s important to note that the primary purpose of permanent life insurance is protecting loved ones with a death benefit. It is not a savings or
investment vehicle.


Premiums for permanent life policies can be higher than for term life, because the coverage is provided for life and there is potential to build cash
value that can be used in the future. Permanent life insurance policies offer several other benefits as well, including:


No annual limit on premium payments, allowing policyholders to potentially build a larger pool of assets for future needs.

No penalty for withdrawals taken before age 59½, providing flexibility for meeting cash needs at any age.2

No required minimum distributions (RMDs) at age 70½, allowing assets to continue growing for longer periods and providing a potential pool of
money for later in retirement.

The potential to transfer wealth to beneficiaries tax free through a death benefit.


It’s important to remember that the key difference between permanent life insurance and other portfolio assets is the tax-free death benefit it
provides.

Withdrawing too much of a policy’s cash value during retirement can reduce the amount of money available for beneficiaries as a death benefit,
potentially eliminating the primary purpose of permanent life insurance policies.


While protection is the core purpose of all life insurance, permanent life insurance can offer distinct tax advantages, growth potential, and access to
cash that may help strengthen an overall retirement plan.

A financial professional can help determine the right type of life insurance policy to consider adding to your retirement plan

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

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

The information presented in this site, in our blogs and in our social media pages is not intended to be used as the sole basis of any investment
decisions, nor should it be construed as advice designed to meet the investment needs of any particular investor. Nothing in our research
constitutes legal, accounting or tax advice or individually tailored investment advice.

We expressly disclaim any responsibility to update such research. Investing involves substantial risk. Past performance is not a guarantee of future
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Probate Avoidance: KNOWLEDGE FINANCIAL GROUP -
KNOWLEDGEFINANCIALGROUP.COM
Ways to Avoid Probate...
1. Have a Living Trust.
2. Name beneficiaries on your retirement and bank accounts.
3. Joint Tenancy with a Right of Survivorship.
-------------
By drafting a good living trust, designating beneficiaries, and holding property jointly, you may be able to avoid probate.
------------
Avoid probate and save time and money with these eight strategies Probate can drag on for years, and can easily cost your family
thousands of dollars -- money that would otherwise have gone to them.

Ways to Avoid Probate offers simple and effective methods for skipping the probate process so that property goes directly to the
intended beneficiaries.

Your estate doesn't have to go through probate. You can avoid probate by creating a savvy estate plan...
-------------
Avoiding the delays and costs of probate is much easier than you think. Here are some basic tips to keep more of your estate in the hands
of the people who matter most.

4. Write a Living Trust...
Transferring Assets Into a Living Trust-Can You Do It Yourself?
You may have established a living trust, but it's not functional until you transfer
ownership of your assets to it
The most straightforward way to avoid probate is simply to create a living trust. A living trust is merely an alternative to a last will.

Unlike a will, which merely distributes your assets upon death, a living trust places your assets and property "in trust" which are then
managed by a trustee for the benefit of your beneficiaries.
--------------
A trust also enables you to avoid the cost of probating a will.
Benefits of a Living Trust
A living trust can help you avoid probate, save you money, and protect your privacy.
-------
5. Name Beneficiaries on Your Retirement and Bank Accounts
For some, a last will is often a better fit than a trust because it is a more straightforward estate planning document. Yet, just because you
have written a will doesn't mean that all of your assets have to pass through probate.

What most people don't realize is that many of our most valued assets allow us to name beneficiaries.
------------
6. Hold Property Jointly
Another great way to keep your real estate out of probate is to consider holding your property jointly.

If you and a spouse or significant other are thinking about purchasing a first home or even already own you own house, owning jointly
allows the property to pass automatically to your significant other without having to go through probate.

It doesn't matter if you are married or not. If the property is designated a jointly held property it is going to go to the surviving member of
the couple.
------------
========
Living Trust Versus a Will
A living trust (sometimes called an "inter vivos" or "revocable" trust) is a written legal document through which your assets are placed
into a trust for your benefit during your lifetime and then transferred to designated beneficiaries at your death by your chosen
representative, called a "successor trustee."

A will is a written legal document with a plan of distribution of your assets upon your death. Your executor, as named in the will, oversees
this process, and notably, nothing in your will takes effect until after you die.

Advantages of a Living Trust
A living trust can provide some clear advantages over a will. Your circumstances may vary, but in general, there are some upsides to
establishing a trust. Here are three things to consider:

1. A Living Trust Avoids Probate
One of the first benefits of a living trust is that it avoids probate. With a valid will, your estate will go through probate, the court
proceedings through which your assets are distributed according to your wishes by the executor.

A living trust does not go through probate, which often means a faster distribution of assets to your heirs—from months or years with a
will down to weeks with a living trust.

Your successor trustee will pay your debts and distribute your assets according to your instructions.

Notably, both documents allow you to choose a guardian for your children in the event of your death.

2. A Living Trust May Save You Money
Remember this really all depends on your financial situation. At first, drafting a living trust will likely cost more than drafting a will as it is a
more complex legal document. Moreover, you must also transfer your assets such as bank accounts, stocks, and bond accounts and
certificates to the trust through separate paperwork; simply writing up a living trust does not actually "fund the trust."

Related: Five Common Mistakes Made in Wills

Other procedures involved in an estate plan with a living trust could also include changing the beneficiary on your life insurance policy to
the trust, appropriately dealing with your IRA or 401(k) plan, and also creating a "pour-over will" that will provide for the distribution of any
assets acquired after the creation of the living trust but before your death or any assets inadvertently excluded.

Note that the pour-over will, just like any will, will have to go through probate.

While a will costs less to draft, a living trust can save your estate money at the time of your death as the distribution of assets in the trust
will not go through probate since court costs for probating your will are taken from estate. For a simple, uncontested will, costs are often
nominal.
--------------------------
A Living Trust Provides Privacy
One big difference between the two legal documents is the level of privacy offered with a living trust. As a living trust is not made public,
upon your death, your estate will be distributed in private. A will, on the hand, is public record and so all transactions will be public as well.

Another difference is the handling of out-of-state property you own upon your death. With a will, that property will have to go through
probate in its own state; a living trust can help you avoid probate.

Other Benefits of a Living Trust
Beyond the top three main benefits, another benefit is that a living trust is written so that your trustee can automatically jump into the
driver's seat if you become ill or incapacitated.

If you simply have a will without a durable power of attorney, the court will appoint someone to oversee your financial affairs who will
have to report to the court for approval of expenses, sales of property, etc. One widely reported public example of this is the
conservatorship of Britney Spears' father over his daughter's financial affairs.

Note that if you draw up a durable power of attorney, including one for health care decisions, you can avoid a court-appointed
conservator for your affairs.

With a living trust, however, your handpicked successor trustee can manage your affairs without court intervention, and since the trust is
revocable, if you dispute your incapacity, you can retain control yourself.

While a living trust makes sense for some people, wills are just fine for others. A general rule among tax planners is that the larger the
value of the estate, the greater need there is for a living trust—although even this is not foolproof.
Property You Should Not Include in Your Last Will And Testament...
You want to make sure you have all your assets covered, but did you know that not all
property can be bequeathed through a last will and testament?

There's no doubt that creating a will is smart estate planning, but not all property can or should be included in a last will and testament.
How can you make sure you're including and excluding the “right” assets?
---------------
Read on for more information regarding what property you should not include in your last will.

What Not to Include When Making a Will

Property that shouldn’t be included in your will is any type that is already subject to laws regarding its distribution upon your death. The
most common types of such property include the following:

Property held with a right of survivorship: Community property with the right of survivorship and property held in joint tenancy or
tenancy by the entirety will pass automatically to the co-owner upon your death, and nothing you write in your will can change that.
Property held in a living trust: A living trust is specifically set up to facilitate the transfer of property upon the grantor’s death and to
bypass probate.
---------------
Accordingly, the beneficiaries of a living trust automatically receive any property held by the trust upon the grantor’s death. You can
always change the terms of a revocable trust during your lifetime by amending the trust documents, but you cannot do so through a will.
Life insurance or annuity proceeds:

The beneficiary named on a life insurance or annuity policy automatically receives the proceeds.
Proceeds from retirement plans, pensions, IRAs, and 401(k)s: As with life insurance proceeds, these pass directly to the beneficiary
named on the forms.
--------------
Pay-on-death bank accounts: Money in a pay-on-death bank account goes automatically to the beneficiary listed.
Transfer-on-death (TOD) property: Stocks, bonds, real estate, or vehicles may be held in beneficiary this way, and they pass
automatically to the named beneficiary.
--------------
What to Include in Will...
You may be wondering, then, with all of the property listed above that shouldn’t be included in your will, what exactly should be
included? The easy answer is everything else, but generally any real or personal property that will not pass automatically to a
beneficiary upon your death should be listed in your last will and testament.
----------------

The best way to make sure you're not forgetting anything is to simply sit down and make a list of all of your assets as well as
corresponding people you would like to receive them after your death.

Options for Making a Will

Now that you have an idea of what you should and shouldn’t include, it’s time to get moving on creating a will. Aside from hiring an
estate planning attorney, you might also consider making a last will and testament online. Many websites provide services to help
individuals write wills online, so this is another option as well.

No matter how you choose to draft your will, the most important thing is that you get started as soon as possible—this way you can give
you and your family the peace of mind of knowing that your wishes will be followed after you’re gone.
Life Estate Deed: What Is a Life Estate Deed?
A life estate deed is one way of transferring ownership of real property.

A life estate deed is a legal document that changes the ownership of a piece of real property.

The person who owns the real property (in this example, Mom-Dad-Uncle-Ant etc.) signs a deed that will pass the ownership of the property
automatically upon her death to someone else, known as the "remainderman" Son/Dauther/Niece/Nephew.

As part of the deed, Mom keeps what is called a life estate, which means she can continue to live on and use the property for the rest of her
life.
-------------
Benefits of a Life Estate Deed
There are many benefits to creating a life estate deed, sometimes called a life estate trust:

Avoid probate. Mom gets to pass her property to Son without its having to go through probate. When she dies, he becomes the owner
without a court proceeding

No will necessary. Mom doesn't have to include the property in a will. She signs the deed and it's done.
Emotional relief. Mom signs the deed and knows that she doesn't have to worry about what is going to happen to the property after her
death.

Avoid gift tax. Using a life estate property deed can be preferable to an outright gift from Mom to Son during Mom's life, because that
could be subject to gift tax.

A place to live. A life estate deed is often used to provide housing for someone until they die. Mom might own a home in her own
name and create a life estate deed that gives her much younger husband (Stepdad) a life estate in the property so Mom can be assured he
will always have a place to live. She can leave the remainder to ..., so he/she will get his inheritance once...
----------------
Drawbacks of a Life Estate Deed
In addition to benefits, there are some drawbacks that should be considered before deciding on this course.

Loss of control. While Mom gets to live ion the property for the rest of her life, she can't sell it to anyone, take out a mortgage, or control
what happens to it after her death.

If Son dies before Mom does, his heirs become the remainderman in his place. This might not be what Mom intended, yet she has no
control over it.
No easy reversal. A life estate deed is a legal transfer of title in the property. Mom can't undo it if she changes her mind, unless Son agrees
to transfer it back to her.
Property taxes. Mom must continue to pay property taxes on the home during her life, which would not be the case if she gifted or sold the
property to Son during her lifetime.
Quitclaim Deed: When to Use a Quitclaim Deed
If you’re seeking to transfer ownership of property, a quitclaim deed is a fast and easy method but it's only recommended in certain
circumstances.

A quitclaim deed is a document that is used to transfer ownership of real estate from one party to another. Quitclaim deeds are also
sometimes called quit claim deeds or quick claim deeds because they are a fast way to accomplish real estate transfers.
-----------------
Transferring Title With a Deed
There are several ways to transfer real estate title. A warranty real estate deed transfer is the most common type of deed used when properly
is sold to a third party in a typical real estate transaction.

A warranty deed promises that the person transferring the property has good title to it and the right to sell it. It includes protections for the
buyer, such as compensation if there is anyone else who holds superior title to the property.

This type of deed promises that there are no liens on the property such as a mortgage, tax lien, or creditor’s liens.
-----------------
Warranty Deed Versus Quitclaim Deed
A quitclaim deed transfers title but makes no promises at all about the owner’s title.
A quitclaim deed transfers the owner’s entire interest in the property to the person receiving the property but it only transfers what he
actually owns, so if two people jointly own the property and one of them quitclaims his interest to his brother, he can only transfer his half of
the ownership.

A person who signs a quitclaim deed to transfer property they do not own results in no title at all being transferred since there is no actual
ownership interest. The quitclaim deed only transfers the type of title you own.

Deed transfers of any kind impact only the ownership and do not change or affect any mortgage on the property. The mortgage is a
separate document.
This is important in a divorce situation where one spouse may quitclaim the property to the other, but this does not remove either spouse’s
name from the mortgage and the responsibility to pay it.

Do You Need a Quitclaim Deed?
Quitclaim deeds are most commonly used when property is transferred without a traditional sale.
----------------
Creating a Quitclaim Deed
To transfer title by quitclaim, a quitclaim deed form must be in writing to be valid. This legal document includes a legal description of the
property that is being deeded, the county it is located in, date of transfer, and the names of the grantor (person transferring the property) and
grantee (person receiving the property). If a price has been paid for the transfer, that amount is included.

The grantor signs the document and this signature is generally notarized. Witnesses may be required depending on the state. In some
states the grantee also signs the deed. It is common to file the deed with the county clerk in the county where the property is located, but in
some states this is not required.

Quitclaim deeds are a fast and easy way to move property among family members or to place real estate into a trust. They are not a method
to use when selling real estate.
-----------
What If My Ex Won't Sign Quit Claim Deed
A quit claim deed will remove your ex-spouse from the title of real-estate you've been awarded in your divorce. What can you do if your ex
won't sign it?
--------------
Say you've been awarded the house (or another piece of real estate) in a divorce, and want to know how to get your ex-spouse's name off of
the title. The simple answer is a quit claim deed.

But like life, in divorce answers are rarely that simple. If your ex-spouse refuses to sign the quit claim there are several steps you can take to
force them to do it.

Deed Basics
Before discussing the use of the quit claim deed in divorce cases, you need to know a few basic terms:

Deed. A legal document that transfers ownership of real property.
Grantor or Transferor. A person who transfers ownership of his or her interest in real property.
Grantee or Transferee. A person to whom an interest in real property is transferred.

Quit Claim Deed. A deed that transfers title to real estate without providing any guaranty of the seller's title. Quit claim deeds are
used when the grantee is certain of the grantor's ownership, such as in the case of a divorce. [Please note: The proper term is quit claim
deed; not quick claim deed.]

Removing a Spouse From a Deed After Divorce
Part of a divorce judgment is the division of property between the spouses.

If any of that property is real estate that is held by both parties, it will be necessary for the spouse who is not awarded the property to sign a
quit claim deed transferring his or her interest to the spouse who is awarded the property.

Your Divorce Judgment
Your divorce judgment will either outline the property division or incorporate a settlement agreement (if you have one). Your divorce
judgment or settlement agreement may or may not specifically order your former spouse to execute a quit claim deed.

It may include a general statement to the effect that each party is required to take any and all actions necessary to carry out the division of
property, which covers quit claim deeds for real estate.
'' Quit Claim Deed,  Life Estate Deed, Living
Trust Versus a Will, Estate Planning And More