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Don’t Be One of Those Penny Stock Investment Experts

Don’t Be One of Those Penny Stock Investment Experts

Of all of the questions that I receive, there is one question that seems to be more plentiful than other. The question is this: “What penny stocks should I invest in?” There must be a lot of penny stock investment experts running around because somebody needs to tell all of these young, inexperienced investors the truth.

I guess for today, that will be me so here it is. Penny stocks are dangerous. In fact, very dangerous and although there are a lot of people who act like penny stock investment is easy, that is far from true.

First, you aren’t going to make any money until you change your way of thinking before you start investing. We have learned in our everyday life to get products as cheaply as possible. If you’re like me, you love to play the haggling game with cars. I shop all dealerships in the area and play each together. Lower price means better deal.

While that does transfer to the stock market, penny stock investment isn’t successful if you buy the lowest price stock. It is only successful if you buy a HIGH QUALITY stock at a low price. Get out of the mindset that low price means better value. 10 shares of Apple priced at $175 per share is a much better value than 500 shares of Sirius XM radio. We don’t look at price until we look at the quality of the company.

Next, penny stock investment is dangerous because of the risk/reward. If you buy 100 shares of Chevron, you can be relatively sure that the worst that will happen is a temporary dip in the price of the stock. As long as you’re patient, you will make money or at least not have a very large loss. Penny stocks are different. If a penny stock drops in value, it may never come back. The company may go out of business and your money may be lost.

So look at the risk/reward. Chevron is low risk and at least medium reward. Penny stocks are high risk and low reward since penny stocks tend to stay penny stocks.

Finally, it’s difficult to evaluate penny stocks. Often, they don’t have positive cash flow, a lot of debt, and very little longevity. Is the debt they incurred to start up going to result in a healthy company or will the debt cripple them? Will they ever have a profitable product or service or will they, one day, suddenly close their doors taking your money with them? The pros often take chances with these questions. Are you willing to lose your entire investment?

Is penny stock investment worth your time? It may be but before you become a penny stock investment expert, you should be an expert stock picker in high quality names. Don’t look at penny stocks until you have a healthy portfolio of blue chip stocks.…

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Investment Capital Costs

Investment Capital Costs

Investment capital always comes at a very high price as you need to provide a substantial amount of equity to your angel investor. You can ameliorate this cost by owning a business that is already in operation or a business that is considered to be low risk. We will continue to discuss these issues throughout the rest of the article.

Writing a good business plan is one of the most important part of raising capital. When writing your business plan, you should always include a yearly budget as part your financial forecasts. If you are unfamiliar with how to write a business plan then it may be in your best interest to hire a company that can assist you in this process while concurrently showcasing the investment capital cost that will be incurred by your company.

Capital always comes at a cost. There many benefits to working with private equity firms despite the fact that they provide capital at a very high cost. Equity will almost always be required as a negotiating tool. Royalty based financing can it help you get the capital that you need without having to give up too much of your equity. Capital that is obtained through a hard money mortgage is usually extremely expensive although you will not have to give up equity in order to receive this type of investment. Hard money mortgages typically carry a term of one year to two years at most and are usually secured by real estate or tangible equipment.

More and more angel investors are investing in hard money mortgages due to the fact that there is an immediate upfront fee paid to them for providing capital. You should thoroughly showcase the tangible assets that are held by your business that can be liquidated if your business is not as planned. It is very important that you have an extensive amount of industry experience as it relates to the business that you intend to start or expand. In all transactions that are related to raising new capital for your business going to need to have a business plan. The current economic climate has made lending very difficult. Debt capital allows you to own 100% of your business at all times.

Many small business investment companies are not directly looking to take a very large percentage of your business. A breakdown of investment funds should be provided to potential funding sources within your business plan. As an alternative to angel investors or venture capital, a SBIC is able to provide you with both loans and equity as it relates to your business expanding.…

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Positive Cash Flow Properties And Your Tax

Positive Cash Flow Properties And Your Tax

When investing in any income producing assets, it’s perfectly allowable to make a claim for any up-front, ongoing and selling costs of that item and when it comes to properties, it is certainly a helpful bonus to the landlord.

When you buy a property, any income you receive from that in terms of rent (or as a Wrappee payment) will be tacked onto any other income you earn although you are allowed to deduct any costs you may have for holding the property before you are charged any extra tax on it – what is left over then becomes your taxable income.

There are several different categories that determine what and when you can claim some tax benefit.

Capital Costs

Capital Costs are the first type of cost that you will run into when you buy a property – and the biggest. These include:

Stamp duty you have paid to the government on the purchase price which varies in each state.

Any pest or building inspections

Commissions or payments made to selling agents

Any costs involved with renovating the property (though renovations or additions are not advised in the case of a Wrap property)

Fees and charges by conveyancers or solicitors

Any other costs involved with purchasing or effecting the sale of the property

These costs will be taken into account at the end of your holding period (upon sale) and when calculating your capital gain for tax purposes.

Revenue Costs

There are normally a lot of ongoing expenses when you purchase an investment property and these can be claimed against that and any other income you earn to reduce your tax bill, as long as the property is income producing. In relation to a Wrap property, this list of expenses is cut dramatically in the first instance as the costs become the responsibility of the Wrappee’s. The following are a short list of things that I mean in relation to this, but it is in no way an exhaustive list:

Pest control and building maintenance

Water rates, council rates and all energy costs

Telephone charges

Cleaning, gardening and property maintenance

Repair bills


The tax office already has a standard way of deciding how much your property depreciates through age, wear and tear (even if the price of the property rises) and so this is an easy tax claim to make on your property. Some of the capital works deductions that are taken into consideration include such things as the driveways and paths, wiring, plumbing, gas fittings, windows, shutters, in-ground pools etc.

You can also claim back some plant and equipment costs such as any furniture, whitegoods, floor coverings etc but this is not as likely in the event of a property purchased and contracted as a Wrap.

Land Tax

No matter where you are in Australia, you will be charged land tax for any landholding outside of your principal home. Unfortunately it is also a tax that catches many property investors off guard yet is unavoidable.

Capital Gains Tax

Like the land tax, this is an unavoidable cost for investors in all states of Australia and will need to be paid at the time of on-selling your property.

This is only a very brief explanation of the types of taxes you can expect from your investment property so it really is a wise thing to get some solid financial advice before stepping into this type of investment.…

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Space Applications in the England’s East Midlands

Space Applications in the England’s East Midlands

The continued development of GNSS is enabling a huge downstream market in services and equipment – 250 billion Euros plus by 2020. Today’s main markets in terms of volume are in GNSS-enabled mobile phones and Portable Navigation Devices. Earth Observation and GMES (Global Monitoring for Environment and Security) is a cornerstone of the EU’s Space Policy framework programme, with a development budget of 1.4 billion Euros (2007-13) to support the development and commercialisation of opportunities across public and private sector in support of mapping, resource and emergency management.

The University of Leicester enjoys worldwide recognition for its international research in space science, planetary exploration and earth observation science: the National Space Centre in Leciester is a A�60M science visitor centre attracting over 200,000 visitors annually, with over 10,000 students and their science teachers participating in its Space Academy and other space education programmes. Meanwhile, the University of Nottingham is a world leader in space-based applications of GNSS.

Space applications industry

Industry specialists

Thanks to our world-class facilities and strong skills base, a number of key businesses involved in space applications have chosen England’s East Midlands as their base.

Handling almost half of the European Space Agency’s total Earth Observation data collection, Infoterra is an EADS Astrium company based in Leicester. It acquires and processes airborne and satellite data, provides operational information for monitoring and managing security and the environment, and operates one of Europe’s largest commercial geospatial hosting and archiving facilities.

With proven expertise in providing reliable, robust GNSS technologies, Nottingham Scientific Ltd (NSL) is a spin-out company from The University of Nottingham. At the cutting edge of positioning technologies, they have vast experience in satellite navigation, algorithm and software development, system prototyping, performance prediction and monitoring, and project management.

International aerospace companies rely on Lincoln’s Lockheed Martin Stasys Ltd, to provide impartial systems, technology and management consultancy to public and private sector clients worldwide.

Specialising in airborne surveys, BlueSky International Limited is based in Leicestershire. With more than 30 years’ industry experience, they are experts in data capture and analysis.

The National Space Centre in Leicester was founded through a partnership between the University of Leicester and Leicester City Council, with support from the British National Space Centre and EADS Astrium. It hosts the only Challenger Learning Centre outside North America, and is also part of a regional collaboration which has set up UK’s first Space Academy.

NEREUS (Network of European Regions Utilising Space Technology) is a network of European regions with an interest in the application of space technologies, and aims to influence European and national policy on the exploitation of space technologies and applications. England’s East Midlands is the only UK founding member.…

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Transforming Ways of Property Dealing – Real Estate Portals

Transforming Ways of Property Dealing – Real Estate Portals

With so many ups and downs happening in all the sectors due to global economic slowdown, investments in Indian real estate is the hottest topic for discussion. This phase of slowdown is also witnessing mass developments in real estate sector. Everyone is touched by one of the aspects of selling, buying or renting property. Apparently, changes in behavior of consumers and financial firms can be seen with the changing trends in unprecedented times.

Each one of us is generally involved in property related issues of investing, leasing or selling. Since it is difficult to take these decisions and there is some amount of risk involved, we mostly depend on property brokers and the prevalent word of mouth. These tendencies are now facing a make over with the ever growing internet penetration and the constantly increasing internet users. With user base exceeding 50 million, online property portals are set to revolutionize the real estate sector.

Real estate portals in India introduce a completely new way of sending across property related information and transactions. The developed real estate markets abroad are accustomed to the concept of online portals but it is comparatively new for Indian sellers and buyers. Even as the popularity of these portals in India is growing, it is expected to burgeon in the coming years. Number of listings and conversions of both residential and commercial property is multiplying everyday. Moreover, the feedback of both buyers and sellers of real estate in India has been favorable.

Online property portals are a platform for exchange of information relevant to property. They display residential and commercial property listings; buying, selling and renting options; other recommendations for property registrations, property loans, property laws, property news, etc. This newly developing trend of portals has made internet an acceptable as well as effective medium for real estate transactions. Both property sellers and property buyers find this medium highly cost effective, descriptive and extremely helpful.

For real estate sellers i.e. the supply side Internet is useful in more than one way. It can be noted as following;

o Advertising on internet allows more descriptive ads as against space restricted print ads.

o It enables lower costs as compared to other modes of advertisements.

o It offers various add on features like virtual walk through, uploading video clips, online databases, archives of listings, etc.

o Internet is the most interactive way of advertising as it connects the sellers with the potential buyers through chat messengers, etc.

o It extends more exposure to targeted buyers and offers measurable returns.

The real estate buyers i.e. those who stand on the demand side of property also find internet a feasible way of looking for property because:

o It is convenient and time saving to search for available property online than visiting real estate agents and waiting for their response.

o Portals reduce dependability on third parties as all the information and listing are available online.

o There is no limitation to number of properties available as property agents are generally popular within a particular area.

o The search and comparison between properties according to localities, etc has become effortless as portals are doing that too.

o Buyers can soon make online transactions, see featured galleries and walk through vacant properties.

The current times witness tenants and landlords interacting in a high tech way. The concepts of ‘automated transactions’ and ‘smart buildings’ is gaining popularity on this front. Apartment owners and commercial builders welcome automated rent payments, placing of work order requests online, display of facilities management, etc.

Creating a system that blends bricks and clicks is instrumental in changing the face of Indian real estate sector. Internet connectivity and meeting of buyers and sellers online only further enthuses the property market.…

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Business and Investment Opportunity Alerts

Business and Investment Opportunity Alerts

If you want to explore new money making opportunities, you should consider becoming a currency trader; if you decide to do so, you should know that the basic knowledge and understanding of the foreign exchange market is not enough. It could be sufficient at the beginning, when you start trading in the Forex market, but once you are past the beginner’s level in trading then you should certainly find the way to advance.

There are some forex trading programs though that tend to do everything in a fully automated mode; this means that they predict but also execute the trades. This is something that is both good and bad, depending on what kind of trader you are. Some people who enter the market find that very beneficiary, because simply they don’t know how to deal with the market; they follow the operation of the system and they are happy with it.

There are though some other traders who find that very annoying, because they cannot gain enough experience this way. The fully automated systems require minimum or no observation at all, which means that they cannot follow the trends and they just get the results at the end of the trading you want to start trading online you can probably try them, but always make sure that you are cautious enough; ask for recommendations and read reviews before doing so.

Robots can detect the trends before they actually appear; growing trends are actually the best ones to follow and this is something that robots can detect early enough. Robots will give the traders the pieces of advice and information they need in order to make the right decisions and execute the right trades at the right time.

Remember that it’s not a good idea to be too ambitious and too confident when in currency trading; move to another pair when you are really familiar with the first set and once you have mastered your strategy; you need to be able to make good decisions and the ability to implement more than one strategies is more than essential. It will keep you on track no matter what.

You cannot expect anything in day trading generating 100% winners all the time, but if the robots can generate a good percentage, that is a great plus for you, especially if you don’t have the time to follow the market closely and you need someone to do the research and update job for you.…

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What to Consider When Making a Smart Real Estate Investment

What to Consider When Making a Smart Real Estate Investment

Real estate is the largest purchase most people with make in their life so it is crucial to think about a long term investment strategy when doing so. The old adage “location, location, location” is the key to smart real estate investing. Purchasing a home in sought-after areas is an easy to way to ensure you are making a smart investment. These areas tend to have low crime, great schools and accessibility to highways, which leads to more demand than supply. Keep in mind that just because a home appears to be a “deal” doesn’t mean it is necessarily a good investment. You still want to take in consideration the location, the neighborhood and other surrounding factors before making a final decision. I like to remind my clients that the actual house is secondary to these other external factors that you cannot change and have no control over.

Getting a good price on a home is also an important strategy when making a real estate investment. You definitely want to make sure you are buying within the area’s price range, if not lower, to ensure you won’t be in a negative equity situation. Reviewing comparables with your Realtor will help educate you on what a fair, or even aggressive, price is for the home you want. If a home needs some cosmetic upgrades, many buyers will ignore that house as an option because they tend to overestimate how much (or little) time and money it will take to get the home up to par. Many times a home is listed 10k below market value simply because it needs 3k worth of paint and carpet! This scenario would make for a terrific investment!

Lastly, you are going to want to stay in your home long enough to build up some equity. Sometimes this may mean possibly selling your home when the market is at its peak, which could be only 2 years after buying it. Other times it could mean staying in your home for the long haul so that you can wait for the next peak to arrive. Be sure you have decided on a home than is flexible if your life circumstances suddenly change. Things like a new baby, aging parents or sudden injuries or surgeries can sometimes make people feel like their current home just can’t work anymore and are forced to move before having enough time to build equity. So while not every house can fit every life circumstance, it is important to consider the “what ifs” when finding your new home.…

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Hybrid Bikes – A Great Transportation Investment

Hybrid Bikes – A Great Transportation Investment

Hybrid bikes offer a great, comfortable ride for any rider, whether you are a beginner or a more advanced rider. These incorporate the best features of the mountain type version and the regular road version. So the end product will achieve high speeds on road surfaces and will also be able to take on the dirt pathways of the off road trails. There are many such bikes available today and you may want to consider buying one as a tool to exercise with, to have some fun with or even to use as an alternative way to get to work instead of driving your car.

What make them ideal for these uses, are the great pedal efficiency and the comfort they provide. The light weight nature of these and their easy pedaling is a feature you will find in all of them. Some models will even cater to off-roading activities.

Many features distinguish these hybrid bikes from the regular versions and are as follows:

· The body is designed to facilitate easy pedaling and great comfort.

· The combination of the lightweight materials used in the design and the extra smooth suspension will allow you to move very fast even while enjoying a ride that provides excellent shock absorption.

· The ability to adjust how you are seated on the bike has been designed into the models.

· The adjustments will allow you to sit in an aerodynamic position or you may opt for a more upright positioning.

· The seats come with get type padding, are ergonomically designed, and are soft and very comfortable. They are built with a flexible frame and anatomical shapes. Should you decide to use you bike to work, this feature alone will make it a comfortable commute.

· The handling of rough roads is helped by the suspension structure of these hybrid bikes, and that same structure promotes easier control.

· The tires are designed to take high air pressure and that makes traveling for longer rides that much easier and it also makes reaching faster speeds much easier.

· The usual jolts and bumps are not experienced with the hybrid bikes, instead it consistently provides a more comfortable and smooth experience.

· Suspension seat posts are a feature on many models. This suspension seat post feature will add immense comfort and ease the bumps you may experience when negotiating obstacles such as curbs.

· The gearing mechanism is easy to use and consists of two sets that allow from 16 to 27 gear combinations which make a commute to work or a country side ride equally possible.

· The braking system is excellent and allows for effortless control of both speed and braking.

Because of the fast growing popularity of these bikes, you will find a large variety of models on the market today as more manufacturers are making them. The quality, comfort, and attractive pricing of these hybrid bikes is making then a preferred choice for many people who are now choosing them to commute to work. Research can easily be done on the Internet to find and review the models and features available. As with most products on the Internet, you will be able to ship the product to your door in record time.…