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Financial Knowledge: What is Financial Knowledge? - What is Financial Education? - What is Financial Literacy?

Financial Knowledge: What if Financial Knowledge? - What is Financial Education? - What is Financial Literacy?

Increasingly, individuals are suppose to be  in charge of their own financial security and are confronted with forever more complex financial instruments. 

However, there is evidence that many individuals are not well-equipped to make sound saving, investment decisions to assure themselves a better tomorrow. 

This website, knowledgefinancialgroup.com  and our blogs knowledgefinancial.blogspot.com  //buyheremarket.blogspot.com  //  financialacademyschool.blogspot.com  can help you  become a better investor and learn ways you can start and grow your business cheaper, faster and with higher profits than ever before.

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Financial Literacy

Financial literacy impacts financial decision-making. Failure to plan for retirement, failure to have an investing plan, failure to create a personal business plan. Because you have a job that does not mean you cannot have a side business part-time in your spare time.

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Pension Plans

The shift from defined benefit plans (DB) to defined contribution (DC) plans  in 1974 with the Erisa ACT has meant that workers today have to decide both how much they need to save for retirement and how to allocate pension wealth. 

Furthermore, financial instruments have become increasingly complex and individuals are presented with new and ever-more-sophisticated financial products REGULARLY. 

 

Credit default swat, derivatives, index funds, ETF exchage traded funds, bonds, stocks,  mutual funds, edge fund, REIT, tax liens, tax deeds, annuity, commodities and much more financial instruments are avalable  in the financial market in the USA and around the world.

But are individuals well equipped to make financial decisions? In other words, do they possess adequate financial literacy to do so in the correct manner? 

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Defined benefit pension plan

A defined benefit pension plan is a type of pension plan in which an employer/sponsor promises a specified monthly benefit on retirement that is predetermined by a formula based on the employee's earnings history, tenure of service and age, rather than depending directly on individual investment returns. 

 

Traditionally, many governmental and public entities, as well as a large number of corporations, provided defined benefit plans, sometimes as a means of compensating workers in lieu of increased pay.

 

A defined benefit plan is 'defined' in the sense that the benefit formula is defined and known in advance. Conversely, for a "defined contribution retirement saving plan", the formula for computing the employer's and employee's contributions is defined and known in advance, but the benefit to be paid out is not known in advance.

When participating in a defined benefit pension plan, an employer/sponsor promises to pay the employees/members a specific benefit for life beginning at retirement. The benefit is calculated in advance using a formula based on age, earnings, and years of service.

In the U.S., a defined benefit plan cannot force you to receive your benefits before normal retirement age. However, if the lump sum value of your benefit is less than $5,000, and you are vested, then the plan may simply pay your benefit as a lump sum soon after termination.

 

The plan document has to allow for the automatic lump sum payment. However, you must begin to receive your benefits no later than April 1 of the calendar year next following the last year of employment or calendar year you reach age 70½, whichever is later.

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Defined benefit plans distribute their benefits through life annuities. In a life annuity, employees receive equal periodic benefit payments (monthly, quarterly, etc.) for the rest of their lives. A defined benefit pension plan allows joint distributions so a surviving spouse can still receive 50 percent of your payment.

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Defined contribution plan

A defined contribution (DC) plan is a type of retirement plan in which the employer, employee or both make contributions on a regular basis. Individual accounts are set up for participants and benefits are based on the amounts credited to these accounts (through employer contributions and, if applicable, employee contributions) plus any investment earnings on the money in the account. 

Only employer contributions to the account are guaranteed, not the future benefits. In defined contribution plans, future benefits fluctuate on the basis of investment earnings.

 The most common type of defined contribution plan is a savings and thrift plan. Under this type of plan, the employee contributes a predetermined portion of his or her earnings (usually pretax) to an individual account, all or part of which is matched by the employer.

While Defined Contribution plans are sometimes referred to as pensions, they are not. The word "pension" is defined as "a fixed amount, other than wages, paid at regular intervals to a person or to the person's surviving dependents in consideration of past services".

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In contrast, a Defined Contribution retirement plan is an arrangement where an employer, during the time a person is employed, puts money in a registered retirement account on the employee's behalf. In general, a DC plan provides much less security for the employee, and much less obligation for the employer, than a pension.

In a defined contribution plan, fixed contributions are paid into an individual account by employers and employees. The contributions are then invested, for example in the stock market, and the returns on the investment (which may be positive or negative) are credited to the individual's account.

 On retirement, the member's account is used to provide retirement benefits, sometimes through the purchase of an annuity which then provides a regular income. Defined contribution plans have become widespread all over the world in recent years and are now the dominant form of plan in the private sector in many countries.

For example, the number of defined contribution plans in the US has been steadily increasing, as more and more employers see pension contributions as a large expense avoidable by disbanding the defined benefit plan and instead offering a defined contribution plan.

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Money contributed can either be from employee salary deferral or from employer contributions. The portability of defined contribution plans is legally no different from the portability of defined benefit plans. 

 However, because of the cost of administration and ease of determining the plan sponsor's liability for defined contribution plans (no actuary is needed to calculate the lump sum equivalent unlike for defined benefit plans), in practice, defined contribution plans have become generally portable.

In a defined contribution plan, investment risk and investment rewards are assumed by each individual/employee/retiree and not by the sponsor/employer.

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Defined contribution plan:

Many plans allow people to manage their investments online and make changes in the investment plans.

Attractive features in defined contribution plans if you change job , you can take your money with you.

Here are the the most common defined-contribution plans:

 401k plans this plan offers by private companies and gives  option to employees to participate and the employers also contribute.

403b plans, offered by non-profit, tax-exempt employers, such as schools, colleges,hospitals,museums, foundations etc.

457 plans, offered by Federal states, and local government and nonprofit organizations.  

Other defined contribution plans include ESOP, profit sharing plans, and SEP = Simplified employee pension

TSP = Thrift Saving Plans on these types of plans you pay no taxes until you withdraw the money.

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Financial literacy: Getting it right on the money

For years Anthony Jeanty from Knowledge Financial Group - knowledgefinancialgroup.com has been telling to anyone who's willing to listen about the problems caused by widespread ignorance of finance.

Here at knowledge financial group - knowledgefinancialgroup.com you can get the tools, and resources for success to achieve a stable economic tomorrow.

Official's Guide to Financial Literacy Is Knowledge Financial Group - Stay up to date!

Financial literacy is a lifelong process requiring both academic and practical components. No single textbook or educational program can result in a financially literate.

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Money Management, Recognize how cash flow management and net worth analysis can be used as tools to achieve financial goals. 

Have a budget, Identify the components of a budget Create personalized budget documents.

 Personal Net Worth; Identify the components of a personal net worth statement. Create personalized net worth statements, Understand that net worth will fluctuate as the values of  assets and liabilities 

Financial Goal Setting Differentiate between short and long term financial goals, Prioritize their financial goals, Construct a realistic financial goal action plan, Revise their financial goals as life circumstances change.

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At Knowledge Financial Group And Visionone Holding we suggest you to adopt approachthat’s built around your life’s priorities. And also people need to learn how to adapt to new approaches as life changes and goals are reached...

Debt Management, Recognize the warning signs of excessive consumer debt

Understand options available to assist with excessive debt loads, Evaluate which professionals can assist in dealing with excessive debt issues

Understand the difference between good debt and bad debt, Debt Resolution: Recognize the warning signs of excessive consumer debt, Understand options available to assist with excessive debt loads

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''Investing & Retirement Planning''

Implement investment and retirement strategies to achieve financial goals. Differentiate among the types of investment vehicles. Identify the types of financial institutions where investment products can be purchased.

Understand the differences between retirement and non-retirement, and qualified and non-qualified investments. Recognize the importance of planning for retirement.

Evaluate the risks and rewards associated with investment options. Understand the role risk tolerance plays when choosing investment vehicles. Comprehend the legal implications of investing.

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Improve your financial knowledge

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Acres of silver, gold and diamond are not too far from: Sometimes before you go across the town to look for something that you really need, something you desire, something you feel for, go across the street first... 

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Need not look elsewhere for opportunity, achievement, or fortune—the resources to achieve all good things are present in one's own community..

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Are you searching for great financial information for your investment needs? Guess What? Don't look no further; Visionone Holing Company And Certainly Knowledge Financial Group can effectively helping you.

Money making world that exists online and you can have a piece of it if you have the clarity and the drive.

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Don't be  a solopreneur meaning that you’re doing it all on your own. But, instead be an entrepreneur.

Find Your Passion

Passion is the number one ingredient for success. If you’re not passionate about what you’re doing, then it’s easy to give up once you’re faced with adversity. And believe it or not

, you’ll be faced with lots of it

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I  think it’s safe to say that at some point every successful business owner – big or small – has failed. A new business owner must understand this and be prepared for when it happens.

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Take Action

I’ve heard that for every great business idea you have, you should assume that 10000 other people have had the same idea and are already working on it. 

An idea is just an idea. So stop talking about your idea and take action. 

It’s never too late to start your business.

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Real Estate:

Anthony Jeanty as a real estate professional is here to help and can provide you with a Comparative Market Analysis (CMA). 

The CMA will provide data regarding recent home sales (size, price and number of days on the market) as well as information about homes that have not yet sold.

Real Estate agents like Anthony Jeanty in south Florida have first-hand knowledge of how to best market your home and employ an array of marketing programs to attract potential buyers.

Investing:

You’ve probably heard me say that even the best investment will be bad if the investor is bad. In other words, your investments can only be as good as the investor – you.

You’ve also heard it said that investing is risky. If you are uneducated then I agree, but if you are financially educated then you know how to mitigate risk.

INVESTING: WHERE, WHEN, HOW AND WHY?

How to really invest in the financial market, stock market?

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If you are to be a good investor, regardless of what you invest in, you need to understand insurance. Investing is far less risky when you have insurance.

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The most commonly-used strategy for [educated stock investors] is to use the stock market in conjunction with the options market. Stocks become their main investment, while options are like the insurance for that investment.

 It’s very similar to real estate – you acquire the property as the main investment, and then you get insurance to insulate it.

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you do not worry about markets, what China’s government is doing or what The Fed is doing. 

you need to pay attention and act on your knowledge and experience. 

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Once you learn how to apply the knowledge philosophy to the stock market, then you’ll have learned a great vehicle to wealth.

WEALTH PRESERVATION METHODS AND TECHNIQUES

•   Advanced wealth preservation planning techniques such as life insurance trusts, charitable and special planning for retirement plans, such as IRAS, 403b] 401K ]  457] self directed IRA's plans, annuity. These techniques are designed to provide maximum income and  tax advantages as well as asset protection..

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'' ALTERNATIVE INVESTMENTS TO BE CONSIDERED..

• Besides traditional, what are the other financial tools available to you?
• you can learn about other financially sound and principal protected types of investments.
• You will also learn about the pros and cons of each in order to help you make sound decisions that will enable you to reach your investment goals . LEARN MORE.

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“There is a common misconception that you need a lot of money before you can begin to invest. Fortunately, investing in stocks allows almost anyone to begin their investing sooner rather than later."

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This Blog Prepared And Presented By:

ANTHONY JEANTY - Real Estate Professional - Realtor In South Florida...

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Financial Education - Financial Knowledge And Financial Literacy At: Knowledge Financial Group - Knowlegefinancial.com Where you can easily find: STEPS TO FINANCIAL SUCCESS... Knowledgefinancial.com , What we do, and how we do it: We help people, we teach people, we guide people, we inspire, we educate, we advice...

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 Through every step of the way, you can turn to your trusted Real Estate agent LIKE ANTHONY JEANTY in south Florida for advice, information and overall guidance. 

We are here to make your home buying experience enjoyable and exciting and the best it can possibly be.

 

 

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VISIONONE HOLDING COMPANY -

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We practice the advice we give to INVESTORS, TRADERS, OR BUSINESS PEOPLE.

We engage with everyone honestly and in good faith.

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We engage with colleagues and partners to strengthen the business and investing world.

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We recognize and use the power of diversity to achieve more together.

We communicate openly with everyone and learn from one another. KNOWLEDGEFINANCIALGROUP.BLOGSPOT.COM

 

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