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Keystone Financial Academy
United States
Registrace 3. 06. 2020
Welcome to the Keystone Financial Academy! The channel where you can learn about MAKING, SAVING, INVESTING and PROTECTING your money. Videos are posted weekly on such topics as careers, entrepreneurship, personal finance, credit, savings, debt, investing, stocks, mutual funds, retirement plans, real estate, flipping, wholesaling, insurance, asset protection, estate planning and much more. Subscribe and join the community so you don't miss all the useful and practical info that everyone should know about these important topics!
-About-
My name is Elliot, and I've been a long-time entrepreneur, investor, financial educator, real estate and insurance agent. The goal here is to leverage my hard-earned experience, knowledge, and passion for all things money, into establishing and running the most useful and relevant financial education channel on CZcams!
Licenses held: SIE, Series-6, -63, -65, CA Realtor, CA Life Insurance agent.
Investment Advisor Representative (IAR).
-About-
My name is Elliot, and I've been a long-time entrepreneur, investor, financial educator, real estate and insurance agent. The goal here is to leverage my hard-earned experience, knowledge, and passion for all things money, into establishing and running the most useful and relevant financial education channel on CZcams!
Licenses held: SIE, Series-6, -63, -65, CA Realtor, CA Life Insurance agent.
Investment Advisor Representative (IAR).
Identity Theft PROTECTION
This video describes how to identify and guard against identity theft.
✅CHECK OUT MY COMPREHENSIVE COURSE ON PERSONAL FINANCE:
Learn about building credit, establishing savings, effective budgeting, and managing debt!
► www.udemy.com/course/keystone-financial-academy-personal-finance-masterclass/
✅ GET THE KEYSTONE FINANCIAL GUIDE:
The ultimate all-inclusive textbook on Money and Investing!
► keystonefinancialeducation.com
✅FOLLOW ME ON INSTAGRAM and TIKTOK:
► ejgindis
► @ejgindis
► www.tiktok.com/@keystonefinancialacademy
► @keystonefinancialacademy
Important Info:
TRANSUNION
Fraud Alert:
TransUnion.com/fraud
1-800-680-7289
Fraud Department:
TransUnion
Fraud Victim Assist. Dept.
P.O. Box 2000
Chester, PA 19022-2000
Credit Freeze:
Call: 1-888-909-8872
Online: transunion.com/credit-freeze
EQUIFAX:
Fraud Alert:
Equifax.com/CreditReportAssistance
1-888-766-0008
Fraud Department:
Equifax
P.O. Box 105069
Atlanta, GA 30348-5069
Credit Freeze:
Call: 1-800-349-9960
Online: equifax.com/personal/credit-report-services
EXPERIAN:
Fraud Alert:
Experian.com/fraudalert
1-888-397-3742
Fraud Department:
Experian
P.O. Box 9554
Allen, TX 75013
Credit Freeze:
Call: 1-888-397-3742
Online: experian.com/freeze/center.html
Federal Trade Commission:
IdentityTheft.gov
1-877-438-4338
Social Security Administration:
ssa.gov/myaccount.
Optout:
Call: 1-888-567-8688
Online: optoutprescreen.com
Identity Theft Protection Companies:
LifeLock (lifelock.com)
IdentityForce (identityforce.com)
idwatchdog (idwatchdog.com).
DISCLAIMER
This video was created for informational and educational purposes only, and should not be construed as a source of specific investing, financial, accounting, or legal advice. This video should never be used as the sole source of information, without consulting with a financial or legal professional to determine what may be best for your individual needs. The creator of this video, Elliot J. Gindis, does not make any guarantee or other promise as to any results that may be obtained from using the information in the video. To the maximum extent permitted by law, the creator of this video disclaims any and all liability in the event that any information, commentary, analysis, opinions, advice, and/or recommendations contained in this video prove to be inaccurate, incomplete, or unreliable, or result in any financial or other losses.
✅CHECK OUT MY COMPREHENSIVE COURSE ON PERSONAL FINANCE:
Learn about building credit, establishing savings, effective budgeting, and managing debt!
► www.udemy.com/course/keystone-financial-academy-personal-finance-masterclass/
✅ GET THE KEYSTONE FINANCIAL GUIDE:
The ultimate all-inclusive textbook on Money and Investing!
► keystonefinancialeducation.com
✅FOLLOW ME ON INSTAGRAM and TIKTOK:
► ejgindis
► @ejgindis
► www.tiktok.com/@keystonefinancialacademy
► @keystonefinancialacademy
Important Info:
TRANSUNION
Fraud Alert:
TransUnion.com/fraud
1-800-680-7289
Fraud Department:
TransUnion
Fraud Victim Assist. Dept.
P.O. Box 2000
Chester, PA 19022-2000
Credit Freeze:
Call: 1-888-909-8872
Online: transunion.com/credit-freeze
EQUIFAX:
Fraud Alert:
Equifax.com/CreditReportAssistance
1-888-766-0008
Fraud Department:
Equifax
P.O. Box 105069
Atlanta, GA 30348-5069
Credit Freeze:
Call: 1-800-349-9960
Online: equifax.com/personal/credit-report-services
EXPERIAN:
Fraud Alert:
Experian.com/fraudalert
1-888-397-3742
Fraud Department:
Experian
P.O. Box 9554
Allen, TX 75013
Credit Freeze:
Call: 1-888-397-3742
Online: experian.com/freeze/center.html
Federal Trade Commission:
IdentityTheft.gov
1-877-438-4338
Social Security Administration:
ssa.gov/myaccount.
Optout:
Call: 1-888-567-8688
Online: optoutprescreen.com
Identity Theft Protection Companies:
LifeLock (lifelock.com)
IdentityForce (identityforce.com)
idwatchdog (idwatchdog.com).
DISCLAIMER
This video was created for informational and educational purposes only, and should not be construed as a source of specific investing, financial, accounting, or legal advice. This video should never be used as the sole source of information, without consulting with a financial or legal professional to determine what may be best for your individual needs. The creator of this video, Elliot J. Gindis, does not make any guarantee or other promise as to any results that may be obtained from using the information in the video. To the maximum extent permitted by law, the creator of this video disclaims any and all liability in the event that any information, commentary, analysis, opinions, advice, and/or recommendations contained in this video prove to be inaccurate, incomplete, or unreliable, or result in any financial or other losses.
zhlédnutí: 30
Video
Why Do Cars Lose Value? (The Shocking Truth)
zhlédnutí 941Před 14 dny
This video describes all the main reasons cars lose value right away and over the subsequent years of ownership. ✅CHECK OUT MY COMPREHENSIVE COURSE ON PERSONAL FINANCE: Learn about building credit, establishing savings, effective budgeting, and managing debt! ► www.udemy.com/course/keystone-financial-academy-personal-finance-masterclass/ ✅ GET THE KEYSTONE FINANCIAL GUIDE: The ultimate all-incl...
Home Mortgages 101 (For First Time Home Buyers)
zhlédnutí 199Před měsícem
This video is the ULTIMATE GUIDE to home mortgages. ✅CHECK OUT MY COMPREHENSIVE COURSE ON PERSONAL FINANCE: Learn about building credit, establishing savings, effective budgeting, and managing debt! ► www.udemy.com/course/keystone-financial-academy-personal-finance-masterclass/ ✅ GET THE KEYSTONE FINANCIAL GUIDE: The ultimate all-inclusive textbook on Money and Investing! ► keystonefinancialedu...
Zombie Debt (And How To Defeat It!)
zhlédnutí 76Před měsícem
✅CHECK OUT MY COMPREHENSIVE COURSE ON PERSONAL FINANCE: Learn about building credit, establishing savings, effective budgeting, and managing debt! ► www.udemy.com/course/keystone-financial-academy-personal-finance-masterclass/ ✅ GET THE KEYSTONE FINANCIAL GUIDE: The ultimate all-inclusive textbook on Money and Investing! ► keystonefinancialeducation.com ✅FOLLOW ME ON INSTAGRAM and TIKTOK: ► ins...
Term vs Permanent Life Insurance (Don't Get Ripped Off!)
zhlédnutí 52Před měsícem
✅CHECK OUT MY COMPREHENSIVE COURSE ON PERSONAL FINANCE: Learn about building credit, establishing savings, effective budgeting, and managing debt! ► www.udemy.com/course/keystone-financial-academy-personal-finance-masterclass/ ✅ GET THE KEYSTONE FINANCIAL GUIDE: The ultimate all-inclusive textbook on Money and Investing! ► keystonefinancialeducation.com ✅FOLLOW ME ON INSTAGRAM and TIKTOK: ► ins...
Will AI Change INVESTING?
zhlédnutí 53Před měsícem
✅CHECK OUT MY COMPREHENSIVE COURSE ON PERSONAL FINANCE: Learn about building credit, establishing savings, effective budgeting, and managing debt! ► www.udemy.com/course/keystone-financial-academy-personal-finance-masterclass/ ✅ GET THE KEYSTONE FINANCIAL GUIDE: The ultimate all-inclusive textbook on Money and Investing! ► keystonefinancialeducation.com ✅FOLLOW ME ON INSTAGRAM and TIKTOK: ► ins...
Can Index Funds DESTROY the STOCK MARKET?
zhlédnutí 270Před 2 měsíci
✅CHECK OUT MY COMPREHENSIVE COURSE ON PERSONAL FINANCE: Learn about building credit, establishing savings, effective budgeting, and managing debt! ► www.udemy.com/course/keystone-financial-academy-personal-finance-masterclass/ ✅ GET THE KEYSTONE FINANCIAL GUIDE: The ultimate all-inclusive textbook on Money and Investing! ► keystonefinancialeducation.com ✅FOLLOW ME ON INSTAGRAM and TIKTOK: ► ins...
What Are TARGET DATE FUNDS? (And Why They're a GREAT Idea)
zhlédnutí 39Před 2 měsíci
✅CHECK OUT MY COMPREHENSIVE COURSE ON PERSONAL FINANCE: Learn about building credit, establishing savings, effective budgeting, and managing debt! ► www.udemy.com/course/keystone-financial-academy-personal-finance-masterclass/ ✅ GET THE KEYSTONE FINANCIAL GUIDE: The ultimate all-inclusive textbook on Money and Investing! ► keystonefinancialeducation.com ✅FOLLOW ME ON INSTAGRAM and TIKTOK: ► ins...
Earning INCOME With Covered Call ETFs
zhlédnutí 46Před 2 měsíci
✅CHECK OUT MY COMPREHENSIVE COURSE ON PERSONAL FINANCE: Learn about building credit, establishing savings, effective budgeting, and managing debt! ► www.udemy.com/course/keystone-financial-academy-personal-finance-masterclass/ ✅ GET THE KEYSTONE FINANCIAL GUIDE: The ultimate all-inclusive textbook on Money and Investing! ► keystonefinancialeducation.com ✅FOLLOW ME ON INSTAGRAM and TIKTOK: ► ins...
The END of Real Estate (As We Know It)?
zhlédnutí 58Před 4 měsíci
The END of Real Estate (As We Know It)?
EVERYTHING You Need to Know About MUTUAL FUNDS
zhlédnutí 55Před 5 měsíci
EVERYTHING You Need to Know About MUTUAL FUNDS
What to Do If You SUDDENLY Get A LOT OF MONEY
zhlédnutí 125Před 6 měsíci
What to Do If You SUDDENLY Get A LOT OF MONEY
EVERYTHING You Need to Know About SAVINGS
zhlédnutí 126Před 7 měsíci
EVERYTHING You Need to Know About SAVINGS
Introducing the NEW Keystone Financial Academy!
zhlédnutí 141Před 7 měsíci
Introducing the NEW Keystone Financial Academy!
EVERYTHING You Need to Know About CREDIT
zhlédnutí 152Před 7 měsíci
EVERYTHING You Need to Know About CREDIT
What To Do With YOUR MONEY (In These Difficult Times)
zhlédnutí 314Před rokem
What To Do With YOUR MONEY (In These Difficult Times)
Commodities and Futures | AN INTRODUCTION
zhlédnutí 110Před 2 lety
Commodities and Futures | AN INTRODUCTION
Why Index Investing and Dollar Cost Averaging is TIMELESS FINANCIAL ADVICE
zhlédnutí 384Před 2 lety
Why Index Investing and Dollar Cost Averaging is TIMELESS FINANCIAL ADVICE
I look at the annual depreciation cost and try to keep that as low as possible. This is done by keeping the vehicle for a long time and spreading the cost over a longer period, such as 15 years.
Nice video, great information.
I agree most people should buy term and invest the diffrence.However most people get term and spend the diffrence.To each there own I am just a blue collar guy .I am not a insurance sales person or a fiduciary.I do love my IUL .I take loans and buy assets then repay the policy back.Thanks for the video.Happy investing/stacking.
All of the above is certainly true. Some do spend their free money and don't invest. Some do also get IULs and do very well with them. It is also however true that for many others terms is the right choice, as it is inexpensive and does what it needs to do, provide protection for a number of years. If combined with investing discipline, the results are positive. IULs on the other hand are quite expensive and investment gains are limited by the structure of the product, and the very premise of a permanent need for life insurance is debatable. The biggest issue is that IULs are sold aggressively to people who will never be able to fund it to the point of benefitting from tax free loans as you have. Quite often its the right product, but the wrong customer, with the generous payouts to the agents (your entire first year of premiums + trailing commissions) swaying the recommendations! In any case, thank you for watching! The video is meant to inform, and spark thoughts and a debate!
@@KeystoneFinancialAcademy Agree with what you say enjoy your channel wish you the best.Happy investing/stacking.
It’s NOT bi-directional!!! ANY money that comes OUT….IS ANOTHER LOAN!! At a HIGHER INTEREST RATE!!
I can't believe you uploaded this video with this quality of audio
It was just my fourth video ever, and I was still working out microphone settings. Clearly however, this hasn't stopped it from amassing nearly 100,000 views and two hundred positive comments on how much it has helped people. Helpfulness and relevance of the content is king, not necessarily the slick production. You missed the whole point of why this video is successful. My audio/video has been on a whole different level for a while now anyway...
@@KeystoneFinancialAcademy It literally hurts my ears. I'm not judging your content. I'm simply surprised you would hear this and feel it was ok to put out. Maybe re-upload it now with more knowledge.
@@KeystoneFinancialAcademy I apologize for being rude
Here's what is in the video with the approximate time hacks. Thanks for watching! 1. Intro (00:08) 2. What is Covered (01:07) 3. 30-Year Fixed Mortgage (01:30) 4. PITI (Principal, Interest Taxes, Insurance) (02:00) 5. HOA Fees (04:11) 6. Mortgage Calculator (04:45) 7. Amortization Schedule (06:07) 8. Traditional-Conventional-Conforming Mortgage (07:48) 9. Other Mortgage Types (08:37) 10. Personal Finances and Mortgages (10:33) 11. DTI Calculation (12:32) 12. Applying for a Mortgage (13:45)
great advice!
Thank u god is good
You're so right 🎉 I split my portfolio in 3 segments: (1) *GROWTH.* Single tech stocks (blue chips like AAPL or MSFT) as well as index etf (like SPY or QQQM). (2) *DEFENSE.* Single stocks (e.g. BRK.B) and etfs (e.g. SCHD) counterbalancing (1). (3) *INCOME.* *Several cef* (like ASGI, IGR, XFLT...) and few etf with options overlay (like SVOL, SPYI...) to pay my monthly bills. The split works well for me since 2022.
I experienced an account take over. Don’t access to anything. My accounts were used and left with debt. Could you advise? Lost access to even my life lock. Email address. What do you advise ?
You answered all
This the most helpful video. Thank you so much! 🙏
This sounds like nothing but bots trading with bots. How is this not a zero sum game?
I’m sure the ECM is programmed to produce codes at certain odometer readings!
Hey , Can we know who is misusing our sim number? Or if we report to police , does police help to get yo know who is misused the sin number??? Waiting your reply….
Check out "How do you know your info was compromised" starting at 1:45 in the video.
Really useful mate
Zero down is good for me. I get an automatic 3% from my credit union if I go through them and take their first time homebuyer course, which I don’t have to pay back. I don’t have to pay mortgage insurance because it’d be a VA loan, and I’m unlikely to default because I get a monthly housing stipend while active, and once I go back to the civilian sector, my skillset guarantees a job paying over $250,000/year.
VA loans always had a $0 down option. This video refers to standard or FHA loans which typically had a 3% or higher requirement, but now may not, and the dangers inherent in this for both the borrowers and the industry at larger.
@@KeystoneFinancialAcademy Yes, I’m well aware of all this.
😐💖😐
Im a victim of identity theft and all of my money was stolen from me and my bank account and I had to freeze all of my identity and my bank account and those imposters and those scammers had ruined everything for me for no reason and now I'm being stalked and harassed by those imposters and those scammers and they won't stop harassing me
Bro im 18 and my mom stole my identity idk what to do someone help
An excellent point I hadn't considered before. By no means the only reason the real rate of inflation differs from the official figure though.
Thank you for great lesson. One more sub.
CRA in this vid stands for “Credit Reporting Agencies” just fyi You can get a free credit report each year from these 3 CRAs: Equifax, Experian, and TransUnion Info from www.usa.gov/credit-reports (I promise this link isn’t anything sketchy)
Great video - thanks for sharing!
Great video - sad it’s taken me so long to find your awesome channel!
⏰Here's what is in the video with the approximate time hacks⏰. Thanks for watching! 1. Intro (00:21) 2. History (00:48) 3. Traditional IRA (01:17) 4. Roth IRA (04:23) 5. Which is Better? (06:28)
Thanks a lot man I am from India🇮🇳 Pls makes on a video 10 Bussiness related channel... ☺
Can you do a video finances for elderly care
⏰Here's what is in the video with the approximate time hacks⏰. Thanks for watching! 1. Background: Mutual Funds (00:20) 2. How ETFs are Similar (00:50) 3. How ETFs are Different (01:00) 4. Where ETFs Came From (01:24) 5. ETF Types (02:06) 6. Advantages and Disadvantages of ETFs (02:30) 7. Purchasing ETFs (04:47) 8. Top 4 ETFs (05:13) 9. Example of an ETF (05:46)
⏰Here's what is in the video with the approximate time hacks⏰. Thanks for watching! 1. What are Penny Stocks? (00:12) 2. How are They Different? (00:40) 3. Who Issues Penny Stocks? (01:55) 4. Where Can You Find Penny Stocks? (04:08) 5. Can You Pick Good Penny Stocks? (06:19) 6. Penny Stock Fundamentals (08:09) 7. Using Automation for Penny Stock Analysis (08:55) 8. And if you Find a Winner... (10:00)
thanks for your generous sharing❤
⏰Here's what is in the video with the approximate time hacks⏰. Thanks for watching! 1. What is a Mutual Fund? (00:22) 2. Why Invest with Mutual Funds (02:37) 3. Example of Setting Up and Running a Fund (01:30) 4. Categories of Mutual Funds? (03:15) 5. Costs and Expenses (04:30) 6. Discounts (06:23) 7. What Type of Funds are Out There? (07:26) 8. How Big is the Mutual Fund World? (08:15) 9. How Do You Get Started Investing in Mutual Funds (08:42) 10. Example (09:30)
Mr keystone im.curious on any changes to your philosophy now that the slot bitcoin etfs have been approved? I just biught 2k of IBIT and a schwab etf of companies that utilize cryptocurrancy STCE
I think the formation of Bitcoin ETFs is the best thing to have happened to crypto in general. You can see it in the rise of BTC and other crypto prices in recent weeks. Although the hardcore crypto believers are against such institutionalization, this brings much needed stability and the markets like it.
Do not carry social in your wallet. Leave it at home. Know where it is.🫠
⏰Here's what is in the video with the approximate time hacks⏰. Thanks for watching! 1. What is a Stock Market Index? (00:26) 2. Relationship Between Indices and Index Funds (02:35) 3. S&P 500 Index Funds (03:12) 4. Why Invest in Index Funds? (03:32) 5. How to Invest in Index Funds (05:05) 6. Downside of Investing in Index Funds (06:26)
I wish I stumbled upon this video sooner-just 8 minutes versus the entire book I had to tackle for the same info! 😂🙊
I'm almost 36. Is it too late..? :)
I got serious about investing in my mid-30s...better late than never!
Most people would do fine with mutual funds.
And that's actually what the vast majority of the investing public does. As a financial advisor, I'm all for it, as long as they continue investing in some way. Not everyone needs to be a stock guru. Keep it simple!
TLDR: They want to stay poor
Investing also keeps your money from being blown away
Certainly keeps inflation from eating your cash...
People don't invest because they are the dullest tools in the shed and/or bad with money. They probably haven't read the first book on the topic let alone many books. 😐
While I certainly agree in some cases, as a financial educator I have to try and remain positive and just keep pushing my message out, trying to reach as many people as possible. Many do listen! :-)
⏰Here's what is in the video with the approximate time hacks⏰. Thanks for watching! 1. How Many Invest in the Stock Market? (00:10) 2. Excuse #1: I Don't Have Enough Money (01:06) 3. Excuse #2: I'm Afraid to Lose Money (01:57) 4. Excuse #3: I Don't Know How to Invest, or Where to Start (02:40) 5. Excuse #4: I Don't Have Enough Time to Invest (03:33) 6. Excuse #5: It's Too Late For Me to Invest (04:22)
Great video!
Meow
⏰Here's what is in the video with the approximate time hacks⏰. Thanks for watching! 1. Why Do You Need a Strategy? (00:10) 2. Strategy 1: Value Investing (00:42) 3. Strategy 2: Growth Investing (03:13) 4. Strategy 3: Dividend Investing (05:18) 5. Strategy 4: Index Investing (07:30) 6. Which Approach is Better? (09:30)
⏰Here's what is in the video with the approximate time hacks⏰. Thanks for watching! 1. What is Budgeting and Why is it Important? (00:08) 2. Living Expenses (00:45) 3. Example Budget (08:50) 4. Other Budgeting Approaches (10:05) 5. Budgeting Software (10:55)
wow
⏰Here's what is in the video with the approximate time hacks⏰. Thanks for watching! 1. The Concerns of Getting a Lot of Money Suddenly (00:37) 2. Money From Inheritance, Insurance Settlement, or a Lawsuit (01:18) 3. Money From a Lottery Win (03:52)
Its hard to trust those sharks out there waiting for a piece of the pie!
⏰Here's what is in the video with the approximate time hacks⏰. Thanks for watching! 1. Why Save? (00:30) 2. How Much to Save? (01:34) 3. Primary Savings Instruments (02:50) 4. Savings Accounts (03:00) 5. Money Market Accounts-MMAs (04:30) 6. Why Do MMAs Pay More? (04:48) 7. Certificates of Deposit-CDs (07:40) 8. Top MMA and CD Rates on the Market (11:50)
⏰Here's what is in the video with the approximate time hacks⏰. Thanks for watching! 1. Definitions and Types of Debt (00:32) 2. Good vs. Bad Debt (01:20) 3. Ways to Get Rid of Debt (02:06) 4. Ways to Not Get Into Debt (06:30) 5. Where to Turn to For Help (12:35)