EMPIRE OF INFORMATION
COMMERCIAL INVESTMENT. ALL THAT CAN HELP!
COMMERCIAL REAL ESTATE; A BETTER WAY TO INVEST
AND GET RICHER!  MULTI-WAYS TO WIN BIG IN
REAL ESTATE. WHAT IS COMMERCIAL REAL ESTATE?

FINANCIAL REPORT: HOW TO GET A MORTGAGE HOME
LOAN? Securing a home loan is the most important step
in the home-buying process. Here are the basics for
getting your financing.


HOW TO GET PRE-QUALIFY FOR A HOME LOAN? 8
Fundamental Reasons to Get Pre-Approved for a Home
Loan!
The first and most important step in buying a home is
getting pre-qualified for a home loan.
BY GETTING PREQUALIFIED, YOU IMMEDIATELY FIND
YOURSELF IN A STRONGER NEGOTIATION POSITION.
YOU MADE YOURSELF MORE ATTRACTIVE TO SELLERS.

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


CREDIT HELP: Use Your Credit Clout: Credit Laws That are
on Your Side; Understanding Your Debt Collection Rights

CREDIT INFO: SAVE YOUR CREDIT, RESCUE IT, PROTECT IT,
INCREASE YOUR SCORE. WE HAVE VALUABLE
INFORMATION TO HELP YOU

CREDIT CARDS: The American Credit Cards are very
important to have; but credit cards represent a danger for
those who may not have the discipline, order or  those
who don't think what a plastic card can do for them or to
them! The borrowers are the slaves of the lenders. Credit
cards issuers are monsters the can eat the average
consumers alive.

CREDIT RATING: THE IMPORTANCE OF YOUR CREDIT
RATING! Credit Card Fraud: 21 Tips to Protect Yourself.
More about your credit Score. Companies base your
credit scores on five categories

ID-THEFT: HOW TO PROTECT AND DEFEND YOURSELF
AGAINST IDENTITY THEFT?    -----DETER, DETECT AND
DEFEND?

Credit & Loans: Credit Cards & Consumer Loans ...

WHAT DO YOU KNOW ABOUT IDENTITY THEFT?
Consumer Reports' advice on steps you can take to
protect your identity and what to do if you believe it's
already been compromised

Government's general information; Local, State, and
Federal.


TAX SAVING TIPS FOR INDIVIDUAL INVESTOR, GREAT
INFORMATION FOR ALL. Taxes The More You Know, the
Less You’ll Pay

Business structures 101
LLP, LLC, S-corp and C-corp: It's not just alphabet soup! A
breakdown of what you need to know, in layman's terms.

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

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

MUTUAL FUNDS: MUTUAL FUNDS A WONDERFUL WAY TO
INVEST YOUR MONEY.  Buying and Selling mutual funds
You can buy some mutual funds (no-load) by contacting
the fund companies directly. Other funds are sold through
brokers, banks, financial planners, or insurance agents.

BOND FUNDS: INVESTING IN THE BONDS MARKET. WHAT
ARE BONDS?
Have you ever borrowed money? Of course you have!
Whether we hit our parents up for a few bucks to buy
candy as children or asked the bank for a mortgage, most
of us have borrowed money at some point in our lives.

FOREX MARKET: THE LARGEST MARKET IN THE WORLD
TO INVEST AND GET RICHER IF YOU USE THE RIGHT TOOL.
FOREIGN EXCHANGE-(forex or FX for short) is one of the
most exciting, fast-paced markets around. Until recently,
trading in the forex market had been the domain of large
financial institutions, corporations, central banks, hedge
funds and extremely wealthy individuals. The emergence
of the internet has changed all of this, and now it is
possible for average investors to buy and sell currencies
easily with the click of a mouse.

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

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

what are you doing with your money in the wake of the
financial crisis?
Where is the safe place to put MONEY?
CREDIT:--- CREDIT: SAVE YOUR CREDIT, RESCUE IT, PROTECT
IT, INCREASE YOUR SCORE. WE HAVE VALUABLE
INFORMATION TO HELP YOU. LEARN MORE...

INVESTING:---  INVESMENT:  METHOD AND TECHNIQUES TO
INVEST IN TODAY'S MARKET FOR A BETTER TOMORROW!

CREDIT REPORT:--- Consumer Credit Report: What's On It?
Your Access to Free Credit Reports. How do I get my free
online  Credit Report?

SAVING MONEY:---SAVING MONEY IMPORTANT TIPS...  66
WAYS TO SAVE MONEY

CREDIT INFO:--- REVEAL GUARDED SECRETS OF AMERICAN
CREDIT
SYSTEM. Your credit has to do with everything in life today.
Credit Repair: Self Help May Be Best.

MORTGAGE GENERAL INFORMATION:--- FLORIDA REAL
ESTATE FINANCING & REFINANCING, MORTGAGE HOME
LOANS...

ID-THEFT--- HOW TO PROTECT AND DEFEND YOURSELF
AGAINST IDENTITY THEFT?    -----DETER, DETECT AND
DEFEND?

REAL ESTATE INFORMATION CENTER:--- Information You'll
Need to Succeed in Your Real Estate Investments. MONEY
MAKING MACHINE  REAL ESTATE INVESTMENT
OPPORTUNITIES FOR ALL!..


CREDIT CARDS:--- Six Smart Credit Card Strategies. Have a
questions about credit cards? We have answers the top ten
most frequently asked credit card questions.

PROTECTION AGAINST IDENTITY THEFT:--- DEFEND
YOURSELF AGAINST IDENTITY THEFT; LEARN THE
IMPORTANT METHODS AND TECHNIQUES TO RECOVER
FROM ID THEFT!

CREDIT HELP:--- Understanding Your Debt Collection Rights.
LEARN THE REAL TRUTH ABOUT CREDIT REPAIR! How to Use
Your Credit Clout: Credit Laws That are on Your Side?

BANKING FINANCE  Knowledge:--- The more you know the
closer you are to accomplish great success.

CREDIT RATING:--- THE IMPORTANCE OF YOUR CREDIT
RATING. Tips to Improve or Maintain a High Credit Score...
Credit Card Fraud: 21 Tips to Protect Yourself

TAXES:--- TAX KNOWLEDGE: MEANING TAX SAVING,  EQUAL
MORE MONEY FOR YOU! TAX SAVING,

TAX HELP: What to do if you Can’t Pay your Tax Bill? How to
Cut Your Property Taxes

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

THE BLOG:--- WHERE AND HOW TO FIND MONEY TO INVEST
IN REAL ESTATE? THE MOST LUCRATIVE, SECURED
PROFITABLE BUSINESS?

FINANCIAL HELP:--- FREE FINANCIAL ADVICE. WAYS TO SAVE
MONEY, TO MAKE MONEY, AND GET OUT OF DEBT!
Financial Education is Why the Rich are Getting Excessively Richer

Your Financial Success Depends on What you Know About Money

Most people set out to get an education in hopes of getting a safe and secure job and
ultimately being able to provide for themselves and their family. However, the education
most people receive doesn’t actually teach them what they need to know to be truly
successful and in command of their finances. Consider the three types of education:
---------------------------------------------
Academic Education
This is what we all have gone to school to learn. It is very important and teaches us the
foundation of how to read, write, learn and function in the world.
---------------------------------------------------
Professional Education
This is what we learn to help us be successful in our careers. We may learn this in college
or trade school or the job. It is the information and skills we need to be successful at our
work.
--------------------------------------------------
Financial Education
This is the type of education that teaches us what we should be doing with our money to be
successful. In today’s world, financial education is crucial, especially with the world
economy in recession or depression. However, our school systems don’t teach us about
financial education and so most people have never been taught what they need to know in
order to take control of their financial lives.
------------------------------------------------------------

THINK LIKE THE RICH THINK...
Thoughts drive behavior. Before you start down the path to financial freedom, you must first
understand how the rich think about money and how it differs from the poor and middle-
class way of thinking. Regardless of how much money you make, you will end up right back
where you started if you don’t change your thoughts about money. Don’t let old habits get the
best of you and your finances.
THE ABC's OF INVESTMENTS
Ways to Save
While savings are not an avenue toward wealth, they are a way of
earning low interest on liquid assets. Passbook or statement
savings accounts pay low interest and give you immediate
access to cash, with no limit on withdrawals. NOW accounts are
checking accounts that pay interest, provided you maintain a set
minimum balance. Money market deposit accounts pay slightly
more interest than savings or NOW accounts but limit your
withdrawals to a few a month. Certificates of deposit pay more
interest and guarantee preservation of principal, yet funds are
obligated for specified terms, and penalties are charged for early
withdrawal.

A true investor does not become attached to any one investment
option but uses different vehicles to assemble a financial plan. In
general, investments come in one of three forms: paper
securities, such as stocks and bonds; tangible objects, such as
gold and real estate; and business ventures, such as franchises
or start-up companies.

Paper Securities
Bonds
When a government agency or private corporation needs to raise
money, it offers or issues a bond. An investment banker
determines how much money the agency or corporation needs,
what the interest rate on the loan will be, and when the loan will
be repaid. A bond pays interest over a fixed period. An investor
who buys a bond intending to hold it to maturity need not worry
about fluctuations in the interest rate. However, for those who
want to sell before maturity, current interest rates are crucial. In
the bond market, lower interest rates in the marketplace raise
bond prices, and higher rates lower them. Thus as interest rates
go up and down, a fixed-rate bond becomes either more or less
valuable.

The Bond Market
Unlike stocks, which are traded through organized stock
exchanges, bonds are traded in the over-the-counter (OTC)
market. The OTC is not a place; it is a market of dealers who do
business over the phone or by computer. All U.S. government,
municipal, and most corporate bonds are traded over the counter.
In addition, U.S. government securities may be purchased by
investors directly from the U.S. Treasury through Federal Reserve
banks located throughout the country.

Types of bonds. There are many kinds of bonds, including the
following:

U.S. treasuries. By purchasing a treasury, an investor lends
money to the U.S. government for a specified amount of time in
exchange for interest payments. Because treasuries have the
backing of Uncle Sam, they are among the safest investments
available.

Treasury bills, or T-bills, are issued in thousand-dollar increments
and mature within three, six, or twelve months. An investor
receives an up-front interest payment called the discount, which
runs around 5 percent, lower or higher depending on the
economic climate.

When the bill matures, the principal can be returned or reinvested
for another discount. Treasury notes mature in two, five, or ten
years, and require a minimum investment of between $1,000 and
$5,000. Treasury bonds mature in ten to thirty years and require a
minimum investment of $1,000. Both notes and bonds pay
interest semi-annually.
Savings bonds. These U.S. government bonds are issued in
denominations ranging from $50 to $10,000. Sold at a discount
price, they are redeemed at face value at maturity.


Municipal bonds. These are issued by state and local
governments. You pay no federal income tax on the interest
earned, and no state or local income tax if the bond is issued by
the state in which you live. Municipal bonds tend to pay less
interest than taxable bonds. While the interest payment may
remain steady, the price of the bond may rise and fall with
changes in the markets.

Corporate bonds. These are issued by companies that need to
borrow money. The minimum investment in corporate bonds is
$1,000. The interest is taxable, so to induce investors, rates are
typically higher than for municipal bonds. Here, too, the interest
rate may remain steady, but the price of the bond may rise and
fall with changes in the markets.

Corporate bonds may be riskier than government bonds because
businesses can go bankrupt.
High-yield (junk) bonds. These are issued by corporations without
solid sales and earnings records, or with a dubious credit rating.
The chance that the investor will not be repaid is higher with a
junk bond because of the issuer’s instability. To attract investors,
the issuer offers a relatively high interest rate. The price of a junk
bond is more likely to fluctuate than that of any other type of bond.


Bond ratings. A bond rating is a method of evaluating the
possibility of default by a bond issuer. Bonds are graded
periodically by analysts at companies that do evaluations, such
as Standard and Poor’s Ratings Services and Moody’s Investors
Service. U.S. government bonds are not rated, because there is
very little chance that the U.S. government will default on a bond.
HISTORY OF THE US PAPER MONEY

In 1862 the U.S. government issued paper money, or scrip. The
bills were called greenbacks because the backs were printed
with green ink. Technically, scrip was commodity currency,
because it could be exchanged for silver or gold. Individual banks
using scrip, however, couldn’t always meet customer demand for
hard currency, or specie. Sometimes a dollar bill would be
exchanged for only a fraction of its value in gold. In the early
twentieth century, the United States put into effect a full gold
standard, providing for full convertibility of currency into gold coin;
dollars could also be exchanged for silver. But then in 1971 the
United States went off the gold standard and abandoned silver
exchange. No longer could the dollar be exchanged for something
tangible. It had no intrinsic value.

Money that has no intrinsic value and can’t be redeemed for a
precious metal is called fiat currency. Fiat currency is backed by
nothing but the stability of the government that issues it and the
confidence of that government’s citizenry.

THE FED... FEDERAL RESERVE BOARD
In 1913 Congress established a central banking network called
the Federal Reserve System, or simply, the Fed. The Fed, although
the central bank of the United States, is not really one bank. It
consists of twelve regional banks, so that no one region of the
country can unfairly gain an economic advantage. The Fed is run
by a seven-member team called the Board of Governors, whose
main job is to control the money supply, or the amount of cash
circulating through the economy. The Fed has to keep enough
money circulating so that the economy expands, but not too
quickly. Too much money in circulation drives down its value,
leading to inflation, while too little money results in consumers
having less to spend, leading to recession. The Fed controls the
money supply, and thus keeps the economy relatively balanced,
by buying and selling securities, printing money, and establishing
interest rates.

How the Fed Keeps Track of Our Money Supply
If you take a look in your wallet, empty out your piggy bank,
rummage for change between the sofa cushions, and count up
everything in your checking and savings accounts, the amount
you come up with is your own personal money supply. That’s
what the Fed periodically does—tally the country’s money supply.
Without such a count, it can’t know for sure how much money is
in circulation and whether the economy needs more.

The Fed has a system for keeping track and it works like this:
M1 money, or narrow money, is money that people can spend
immediately, such as cash and checking account balances. M2
money, or broad money, is M1 money plus any money that can’t
be spent immediately but can be converted easily into cash, such
as money in savings and certificates of deposit. M3 money is M1
and M2 money plus the assets and liabilities of financial
institutions that can’t be easily converted into cash. Together, the
three Ms are known as the monetary aggregates.

LEARN THIS...
Did You Know?
The term dollar comes from a silver coin minted in sixteenth-
century Bohemia, where it was called the Joachimsthaler tolar.
The unit of currency was called the daalder in Holland, the daler in
Scandinavia, and the dollar in England
The Money Supply
The Fed’s main customer is the U.S. Treasury. The Fed collects
tax payments for the Treasury (the Fed is the bank that receives
the money that is withheld from your paycheck if you’re
employed). It pays the government’s bills, for example, sending
out Social Security checks and making interest payments on
treasury bills, notes, and bonds. And it oversees the operations of
the nation’s commercial banks.

But the main job of the Fed is to establish U.S. economic policy.
Every six weeks a special committee of the Fed, the Open Market
Committee, meets to review the state of the economy, then tells
the Federal Reserve Bank of New York whether to increase or
decrease the money supply. To slow down a rapidly expanding
economy that has too much money in circulation, the Fed sells the
securities it owns, removing from the market some cash that
would otherwise be available for lending. In this way, the Fed
slows borrowing, forces interest rates up, and cools the
overheated economy.

If there isn’t enough money in circulation, the Fed puts it back on
the market by buying securities and, if necessary, ordering the U.
S. Mint to print more money for the purchases. Depending on
economic conditions, the Fed might put into circulation anywhere
from $1 million to $4 million in a given month, causing a ripple
effect throughout the economy as more money is made available
for banks to lend out.

The Ripple Effect
The Fed requires all banks to set aside a portion of their deposits,
usually 10 percent, to meet any unexpected demands for cash by
customers. But the remaining 90 percent can be lent. A
brokerage firm that sells securities in exchange for cash
received from the Fed deposits that cash in a bank. The bank sets
aside 10 percent in accordance with the banking rules and loans
out the remaining 90 percent. Customers who borrow from that
bank to make purchases such as real estate give the cash to
sellers, who in turn deposit the money in their banks. Those
banks each set aside 10 percent of their deposits and loan out
the remaining 90 percent to customers. The ripple effect involves
more and more banks and customers, causing the amount of
money in circulation to multiply.

Interest Rates
Another tool the Fed has at its disposal when it wants to change
the direction of the economy is the interest rate it charges banks.
This in turn determines what banks will charge their customers.
An interest rate is nothing more than the price of a loan. It’s
expressed as a percentage per year of the amount loaned. For
instance, if you borrow $100 at 10 percent interest for one year,
you’ll owe $110 at the end of the year. The cost of the borrowed
money is $10.

Banks, like people, borrow money. They borrow money from the
Fed or from each other, depending on their particular needs and
which lender offers more attractive terms. The interest rate
banks are charged when they borrow from the Fed is called the
discount rate. The rate they’re charged when they borrow from
each other is called the federal funds rate. When the Fed
increases the discount rate, banks borrow less and have less
cash to lend their customers. When the Fed lowers the rate,
banks are encouraged to borrow more freely, from both the Fed
and each other, which makes more cash available for banking
customers to borrow and at more attractive rates.

Interest Rates, Investing Trends, and You
The way the Fed handles money affects the economy, which in
turn may affect the way you invest. The money the Fed collects in
the form of taxes enables the government to pay for such things
as maintaining the highway system. When the Fed doesn’t collect
enough money to meet the government’s obligations, which is
often the case, the government borrows by selling U.S. Treasury
securities. When buyers purchase securities, there is less money
circulating in the economy. The money supply becomes scarcer,
which drives up interest rates. In short, the more the government
borrows, the higher interest rates go.

A change in interest rates affects the financial markets and,
ultimately, the decisions investors make. When interest rates are
high, yields on bonds go up and investors buy more bonds; when
interest rates are low, it’s cheaper for businesses to borrow
money for growth, and when businesses are growing, investors
flock to stocks.

Once you learn the Rich Dad program, you may find yourself
bucking these investing trends. For instance, when interest rates
are high and other investors are fleeing stocks, you might be
buying stocks at bargain prices, positioning your money for
growth.

Banks don’t lend to their customers at a single rate of interest.
Their best customers—usually their biggest, for example, a large
corporation that needs money to expand its operations—are
charged the more favorable rate, known as the prime rate, since
the risk to the bank in lending is lower. Their individual
customers—say, people who want to buy houses—are usually
charged a higher rate, calculated by adding a few points to the
prime.
Inflation
By 1990 the value of the dollar had eroded to the point
where it was worth many times less than in 1790.
Inflation is the increase in prices over time that causes
the purchasing power of money to decline. Inflation is
an unavoidable fact of economic life.

KNOWLEDGE FINANCIAL TIP
“Those who work the hardest and are paid the least
suffer the most from the constant erosion of money’s
value. Since money has an ever-declining value, a
financially wise person must constantly seek ways to
create value and produce more and more money.”


One way economists keep tabs on inflation is by a
measurement called the gross domestic product
(GDP). The GDP is the total value of all goods and
services produced in the United States in a given
period. Whenever prices rise owing to increased costs
associated with production but production itself stays
the same, inflation occurs.

Small price increases are considered normal for a
growing economy. Employees may receive slight
increases in salary to match inflation, so that
purchasing power remains roughly the same and
rising prices aren’t all that noticeable. But salaries don’
t always keep pace with inflation, and over time, when
it takes more money to buy the same amount,
purchasing power is reduced.

Who Wins, Who Loses?
Any financial plan you put in place for yourself should
take inflation into account. Inflation mostly hurts those
living on fixed incomes, such as Social Security
payments or pensions. It’s also detrimental to those
whose savings are tied to fixed interest rates, such as
savings accounts or bank certificates of deposit,
unless of course the fixed interest earnings exceed
the inflation rate.

But inflation isn’t always bad. High inflation usually
favors those who owe money. Each year that a debtor
makes payments on a fixed loan, he or she is repaying
it with dollars that have declined in value since the
previous year. Sometimes inflation can even help
create wealth, especially when investments increase
in value faster than the inflation rate, as can happen,
for example, in real estate.

How Does the Business Cycle Work?
The supply of goods and services available and the
demand for those goods and services—known as
supply and demand—help indicate what part of the
business cycle the country is in, that is, its general
economic health. Simply put, supply describes the
behavior of sellers, while demand describes the
behavior of buyers. Over time the economy expands
and contracts in accordance with the behavior of
buyers and sellers. You’ve probably heard of the law of
supply and demand. It’s really quite simple: When
demand exceeds supply, prices rise, but when supply
exceeds demand, prices fall. This law shapes the
business cycle.

Take Note
The law of supply and demand, one of
the fundamental economic principles, is
really quite simple. When demand
exceeds supply, prices rise, but when
supply exceeds demand, prices fall.

So how does the business cycle work? Let’s say more
people want to buy cars than there are cars available.
Sellers increase prices, because demand is greater
than supply and some people will pay more to get what
they want. Once prices go up, people—including those
working in automobile factories—will demand higher
wages so they can buy cars.
THE TRIANGLE OF SUCCESS

There are many people with great ideas but few people
with great
fortunes. The B-I triangle has
the power to turn ordinary ideas
into great fortunes.”

Anyone can start a company, yet how many can start a
company that survives and thrives? Anyone can
purchase real estate, yet how many know how to
analyze a property or how to structure the purchase to
take advantage of the tax savings available for real
estate? The key to business success in either
business development or real estate lies in the so-
called business-investor triangle, or B-I triangle.



Take away any one side of a triangle, and what do you
have? An unstable angle. Take away any one side of
the B-I triangle and what do you have? A company
doomed to failure. There are three sides to the B-I
triangle: mission, teamwork, and leadership. Each side
is critical to the stability and long-term success of the
business.  

The MissionAt the base of the triangle is its most
important component: the mission. As the world
market becomes ever more glutted with products and
competition becomes increasingly fierce, the
businesses that thrive will be those that use their
mission as their beacon.



What does mission mean?
In truth, it is an intangible concept that, in the hands of
a devoted entrepreneur, can take on spiritual
overtones. The best way to define mission is by
example. Henry Ford’s mission—one he fulfilled with
messianic fervor—was to make the automobile
available to the masses. Hence his mission statement,
“Democratize the automobile.” It was Ford’s ability to
maintain his focus on this mission that helped fuel his
financial success. Or consider the case of Johnson &
Johnson. Back in 1890, the brothers Johnson invented
a first-aid kit for railroad workers who were getting cut
up as they laid tracks across the United States. For
over a century the company has remained true to its
original mission, and today the name Johnson &
Johnson remains synonymous with on-site first aid.

KNOWLEDGEFINANCIAL Tip
“Just to make money is not a strong enough mission.
The mission of a business should be to fill the
customer’s need.”

In the case of both Ford and Johnson & Johnson, the
mission came first, not the lure of profits. Too many
would-be business owners are driven by the desire for
profit alone. Unfortunately, money alone won’t provide
the entrepreneur with sufficient stamina to weather
the storms his or her young company will inevitably
face. A glaring example is the owner who becomes an
instant millionaire by taking the company public
through an initial public offering (IPO)—then watches
as the company falls apart. The problem with the profit-
only mission is that it doesn’t take into account
customer need. After all, without customers there can
be no profits. The mission of a business should be to
meet customer need by providing a product or service.
If customers are well satisfied, then profits will follow.

A mission that serves customers first, and serves
them well, will:

Keep the entrepreneurial flame alive
Serve as a beacon in the early years
Eventually reap profits
Keep your business focused
The Customer as Mission
The story of Levi Strauss suggests the importance of
defining a mission with customers—rather than
profits—in mind. During the Gold Rush, Strauss, a 20-
year-old Bavarian immigrant, boarded a ship for San
Francisco with hopes of selling dry goods to
prospectors. Included in his stock was a roll of rough
canvas for tents and wagon covers. When Strauss
landed on the West Coast he met a prospector.

“You should be selling pants,” said the prospector,
dubiously eyeing the roll of canvas.

“Why pants?” asked the would-be merchant.

“Because pants aren’t worth a damn up in the diggins,”
came the reply.

So Strauss took the roll of canvas to a tailor and had
him sew it into pants for his new acquaintance, giving
birth to Levi’s. Because of Strauss’s primary
commitment to customer satisfaction, eventually the
profits rolled in and today his casual denim pants are
worn the world over.

knowledgefinancial.com Tip
“If the mission is clear and strong, the business will
weather the trials every business goes through during
its first ten years. When a business gets big and it
forgets its mission ... the business begins to die.”

Your mission may be obvious if you’re building a
business to provide a specific product or service. If
your business is to own real estate, you still have a
mission. It may be to build assets for your family, or it
may be to provide housing to your tenants. If you stay
focused on your mission and pay attention to your
customers’ or tenants’ needs, you’ll fulfill your mission.
KNOWLEDGEFINANCIAL.COM
INVESTMENT'S SECRETS REVEALED. THE ABC's OF INVESTMENTS, Ways to Save. THE TRIANGLE OF SUCCESS! LEARN MORE...
-- SOUTH FLORIDA REAL ESTATE INVESTMENTS. ---
FIVE IMPORTANT THINGS EVERY REAL ESTATE INVESTOR SHOULD KNOW ABOUT?...
ATTENTION, ATTENTION HOME-BUYERS AND SELLERS...


--- REAL ESTATE INVESTMENTS: WHY INVESTING IN REAL ESTATE TODAY IS A GOOD IDEA FOR
FIRST TIME HOME-BUYERS AND FOR EVERYONE?

---... Federal Housing Administration {FHA} Mortgage Loan Programs Information Center. Help
for America's Homeowners! How to make your home affordable?

--- ...REAL ESTATE ADVANTAGE AND GREAT OPPORTUNITY FOR FIRST TIME HOME-BUYERS IN
SOUTH FLORIDA! ———
-- FIRST TIME HOME-BUYERS. METHODS, TECHNIQUES, AND STRATEGIES TO SUCCEED -- THE
MOST IMPORTANT INFORMATION FOR FIRST TIME BUYERS...

--- INVESTMENT GENERAL KNOWLEDGE AND FINANCING STRATEGY...
INVEST NOW AND GET RICHER LATER. INVEST YOUR MONEY TODAY AND GET RICHER
TOMORROW

--- REAL ESTATE FINANCING:  WHERE AND HOW TO FIND MONEY TO INVEST IN REAL ESTATE?
Bringing the Dream of Home-ownership Within Reach... THE DREAM NOW CAN BECOME A
REALITY.

--- SOUTH FLORIDA REAL ESTATE INVESTMENTS. ---
FIVE IMPORTANT THINGS EVERY REAL ESTATE INVESTOR SHOULD KNOW ABOUT?...
ATTENTION, ATTENTION HOME-BUYERS AND SELLERS...

--- NSP --- Neighborhood Stabilization Program
Neighborhood Stabilization Program: HUD's new Neighborhood Stabilization Program provides
emergency assistance to state and local governments to...

---...  HOME-BUYER'S TAX CREDIT, ASSISTANCE WITH DOWN-PAYMENT AND CLOSING COST.  
{FLHOP} FLORIDA HOUSING OPPORTUNITY PROGRAM. Utilizing home buyer tax credit to assist
at closing

--- What are the advantages of commercial property investment?
--- REAL ESTATE ADVANTAGE AND GREAT OPPORTUNITY FOR EVERYONE. LEARN MORE...
--- How to Step Up and Build Wealth by Investing  in Commercial Real Estate?
FREE FINANCIAL ADVICE. WAYS TO SAVE MONEY, MAKE MONEY, AND GET OUT OF DEBT!

PERSONAL FINANCE. What are you doing with your money in the wake of the financial crisis? ---  Where is the safe place to put money? My personal finance!

FINANCIAL FREEDOM: A SMARTEST WAY TO PREPARE A BETTER FUTURE. Money-Making Information You'll Need to Succeed

US ECONOMY, THE FINANCIAL SYSTEM, THE CREDIT MARKET. WHAT'S GOING?

MONEY MANAGEMENT. Ten Resolutions to Make Your Financial Life Easier

FINANCE: THE BANKING AND THE AMERICAN FINANCIAL SYSTEM HISTORY, SUCCESS AND FAILURE

SAVING MONEY: THE SECRETS OF SAVING; WAYS TO SAVE A LOT OF MONEY AND GETTING RICHER

IRA / INDIVIDUAL RETIREMENT ACCOUNT. What is an IRA? And what does it matter?

SOCIAL SECURITY; THE ULTIMATE RETIREMENT GUIDE. HOW DOES SOCIAL SECURITY WORK?

FINANCIAL REPORT: How to bring your spending under control, so that you get the most out of every dollar. 8 Reasons to get pre-qualified for a mortgage loan!

ESTATE PLANNING: Estate planning,  is it really the process of accumulating and disposing of an estate to maximize the goals of the estate owner to avoid probate, to lower the tax?

Assets Protection: Don't Get Sued: Five Tips To Protect Your Company! Types of Asset-Protection Vehicles;
Many different strategies have been developed over the years claiming to protect assets. How to protect yourself from...?

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

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

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

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

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

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


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

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

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

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

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

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

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

INSURANCE 101: THE IMPORTANCE OF INSURANCE IN SOMEONE'S LIFE.
EVERYTHING YOU NEED TO KNOW ABOUT INSURANCE; NOW IS YOUR CHANCE TO KNOW HOW TO SAVE MONEY ON YOUR INSURANCE!  LEARN ABOUT THE 15 INSURANCE POLICIES
YOU DON'T NEED!
..RICH GUIDE, WHY AREN'T RICH?
BUILDING FINANCIAL WEALTH, OBTAIN FINANCIAL
FREEDOM, BECOME A RICH PERSON; YES YOU CAN...

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

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

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

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

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

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

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

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

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

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

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

...ANALYTICS: Top 9  Real Estate Financial Calculator
Problems every investors should know about...
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REAL ESTATE FOR SALE AT Low Prices, Below Market Value, Low Interest rates.
FIND HOMES FOR SALE!. SINGLE & MULTI-FAMILY  HERE!

SEARCH FOR CONDOMINIUM, APARTMENTS
SEARCH FOR COMMERCIAL PROPERTIES RIGHT HERE!
SEARCH FOR WATERFRONT PROPERTIES

Motivated Sellers; Selling at Unbelievable Prices... LOOK FOR, FOR  SALE PROPERTIES HERE!
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