Category Archives: Investing

Are Immediate Results From Penny Stocks Really Possible?

pennystocksOne of the major reasons why a huge percentage of Americans remain skeptical about stocks investment is the amount of time and effort that it takes for their money to grow. An average person would naturally want to get the most out of every penny they take out from their budget.

While big stocks are known to take months and even years to show results, penny stocks can already double or triple the invested money in a matter of days, or sometimes, even as instant as 24 hours! This is the secret of some people who have managed to significantly grow their little investment. This could be anyone of us, too, if we start looking into penny stocks market now.

Before that, let’s try to establish how these penny stocks work and how they differ from the more popular New York Stock Exchange.

To start off, buying penny stocks works the same way as the NYSE, which means you can buy your penny stocks shares over-the-counter, as well. This makes it really convenient even for the first-time investor. However, compared to NYSE penny stocks literally required few pennies as initial share, which the minimum requirement ranging from $1 – $10. It’s easy to assume anyone of us now have this amount to start investing. Start creating your own online trading account to participate in penny stocks exchange. The only thing left to do, after securing few bucks for your first penny stocks investment is to wait for a new company that goes public. Majority of these companies even offer their shares lower than a dollar. However, it is crucial to carefully evaluate the company you are investing on to make sure that the money does not go to waste. As a first timer in this investment scheme, we want nothing but positive results.

An important aspect in the evaluation process is to check whether the company is regulated by SEC or any other business regulating body in your country. If you get lucky with your company of choice, its share can easily explore making your initial investment three or more times bigger than it already is. If you are not yet certain on how to pick the most promising company, you may commission a broker to help you with this process.

Stock market in general has earned a mixed reception from the people, especially from Americans, who have seen how many investors fell off the track due to the poor performance of their stock shares. Even with the American economy fully recovered now, we still cannot discount the risks involved with stocks investments. It’s just that penny stocks has lesser risk, and bigger promises.

Investing in Penny Stocks: Understanding the Risks

Micro-cap, nano-cap, penny stocks… whatever you want to call them- they’re a hot commodity for traders looking for a little thrill in their investment strategy.
Yes, penny stocks are a much higher risk than regular stocks and you absolutely need to know a few things before dipping your fingers into such a game.

For the purpose of this post, I will consider a penny stock to be any stock that is tradinpennystocksg at less than $5/share. Some consider them to only be ones trading at less than $1, but I find that too limiting in scope, especially considering the risks I’ve outlined below.

The major risk factors you need to consider. Don’t get me wrong, investing in small companies is a great way to make a lot of money, afterall every trader knows the easiest way to make a HUGE amount of money fast is with penny stocks. You must, however, understand and feel comfortable with all the risks before deciding to put ANY money in penny stocks. After all, with opportunities for big gains come an equal likelihood of big loses.

The risks you need to consider are:

  1. Lack of History and Information
    Companies selling penny stocks are often fairly new. You have a little financial history to take a look at, the management team may be fairly new so you cannot get a good idea of their capabilities and you’re unsure if their competitive advantage and true market value is really worth the price you’re about to pay. Feel comfortable knowing you don’t have enough information and look for growth catalysts that cement or clarify the companies vision and future.
  2. Low Level of Liquidity
    If there is a low level of liquidity you may have a hard time finding a buyer for that particular stock and so you can be forced to lower your price of the stock, selling for less than you paid for. When low liquidity levels occur, you will also find that the price can more easily be manipulated. Crafty investors with a lot of money will buy a large amount of stock, hype it up (social media and the internet make it so easy to do this) and then sell it for more than they were originally asking for.
  3. OCTBB and Pink Sheet LLC
    Stocks on the OCTBB (Over-the-counter Bulletin Board) or on Pink Sheet LLC have less requirements than regular stocks to stay on the exchange. For that reason it is entirely possible to wind up investing in a company that drops 25, 50 or 100% over night. While the OTCBB requires that companies fill out timely documents with the SEC, Pink Sheet LLC does not.
  4. Percentage of Failures
    Companies trading on the OTC are generally in one of two positions. They either are newly formed and trying to rapidly grow… or their about to head into bankruptcy. Either way, there is little information available and the number of companies that succeed in this area are small. Get comfortable with this risk, believe in the idea you’re investing in and go along for the ride.

Understanding the risks associated with penny stocks and deciding that you’re comfortable with them is the first step to getting ready to trade. This is a risk you’re taking for a big reward. Good luck ☺

Marketing strategy

Marketing strategy is basically a process that can allow an organization to concentrate its resources on the optimal opportunities with the aims of increasing sales and gaining a sustainable competitive merits. Marketing strategy includes all long term and basic activities in the field of marketing that deals with testing the expertise of strategic initial situation of a company.


There are so many ways of marketing strategy, some of which are:

1) Promotional offers.

2) Advertisements.

3) Discount coupons.

4) Personal sales.

5) Consents.

6) Free samples.

Evaluating different ways  of promotion in marketing, one must give account of these strategies have not been made formulas or recipes for the success of the launch, although theses strategies are effective enough.

A marketing strategy is an overall plan made to meet the needs and requirements of the consumer, this plan should be based on clear objectives, techniques and goals.

Market research enables the organisation to recognize the most correct marketing mix. The mix consist of:

1) The right product.

2) Sold at right price.

3) Using the correct promotion techniques.

4) In the right place.

Finally techniques need to be applied to monitor the success of marketing activity.

Today’s business have an increasing market focus. If organisations are to serve the requirements of their consumers they need to structured n such a manner as to identify and meed consumer’s necessities. Business need to behave in a such a way that it fulfills the needs of the customer.

A company prospers when it beats the break even point and everyone in it believes that success depends on the excellence of their contributions.





Apple Struggles to Break Ties with Samsung






California – They say that breaking up is hard to do. This really seems to be the case in the matter of Apple and Samsung.

Samsung is Apple’s biggest rival when it comes to smartphones and PC tablets. Coincidentally, the former is also Apple’s main supplier for the chips used in iPhones and iPads, at least until 2014. Imagine the predicament that Apple seems to find itself in. After all, how can you break ties with the company that supplies almost all of the major components of your devices even the better part of the decade involved patent lawsuits left and right?

Never the less, Apple seems to have already found a way to get out of Samsung’s path for good. After much technical delays, the company has finally sealed the deal with Taiwan Semiconductor Manufacturing Co. earlier this week. This deal has long been rumored but the reason why it has taken forever to push through is because the previous TSMC chips were unable to meet the performance standards set by Apple. However, TSMC has finally figured out how it can meet Apple standards and that is by utilizing the advanced “20-nanometer” technology in manufacturing the chips it will be supplying.

The breaking of ties could seriously hurt Samsung’s revenues. After all, orders from Apple amount to more than 10% of the company’s revenues. It has been noted that Apple has been trying to break ties with Samsung since 2008.

Both Samsung and Apple declined to comment on this news.



G7 Countries Agree on More Stern Policies to Control Tax Avoidance and Tax Evasion

The G7 countries are all geared up to work on collective decision for preventing tax avoidance and tax evasion and promoting economic growth throughout UK. In a crucial two-day meeting at Buckinghamshire, Chancellor Osborne encouraged all the individuals and firms to pay the tax billed and become a part of sustainable global economy recovery.


He is also assisted by Mervyn King and other G7 nation’s central bank governors and finance ministers in addressing the delicate issue of MNCs targeting easily transferable pricing rules to move their profits into tax havens like Cayman Islands and the Jersey. He said that these UK territories will have to play an active role in solving the problem of tax avoidance and tax evasion.

“We must have an efficient system in place to save big banks from failing and protect honest taxpayers in a transparent manner,” Osborne said. The problem of tax evasion and avoidance is difficult to control until all the European countries agree to share exclusive details on possible violation in the area of taxation.


France, Italy, Spain, Germany, the US and UK are presently signed up to the pilot scheme which enables tax professionals to share information of firms and individuals with one another. G7 wants the remaining European countries including low tax territories Austria and Luxembourg to join this unique scheme at the earliest and reduce the cases of tax evasion and avoidance.

G7 is the popular platform where all the member countries have reiterated their commitment to the tax evasion through new tax policy and promote a lasting economy recovery so that growth and prosperity can be enjoyed by all the European countries in real time.





ONS Chief Economist Declaration: the Economy Debate is Counter-Productive

The chief economist of Office for National Statistics, Joe Grice has said that the counter-productive public debate about the economy has proved a hindrance. He commented when he came to know that the double-dip recession could be avoided. This fact was revealed based on the recent figures by ONS that says that the construction sector had received contracts lesser than what was estimated in the year 2012.

The Economy Debate

The present position shall be clarified when the statistics of the next month will come out. The analysts after revising the facts and figures were convinced that the overall economy had a narrow escape before falling into recession for the second time.

Mr. Grice has said that they are keeping a check on the statistics as soon as new facts are revealed. He has strongly blamed on the attention which was given over the talks relating to the double-dip and the triple-dip recession by the company. He also insisted by saying that it is important to see to the happenings to the broad trends in the economy during a specific period of time.

Mr. Grice further added that the company has witnessed growth since last two or three years and the percentage is only half percentage. The road was tough and the situation is very different from the year 2008. The ONS is scheduled to provide its final growth estimates in the month of June. To be in recession, the company will have to register negative growth for a couple of years.


US Recognizes Japan as the Largest Export Market

The US market for the Asian countries continues to expand for four consecutive years this year. However, the United States has replaced China and has placed Japan as the largest Export Market in Asia. The same position had been held by China for 2011 and 2012. China had been the potential export market for the US till March 31, 2013.

japan economy

Statistics in Exports

The available figures show that in the year 2012, Japan recorded a deficit of 8.170 trillion yen which is nearly equal to $82.94 billion. During this period, the country faced lower exports with larger imports. Japan recorded a significant decrease in trade in the fields of shipping, mining machineries, and electronic parts. Among these, the shipping industry lost maximum in terms of value. It was nearly 15.2 percent of the total fiscal deficit.  It was followed by Construction and Mining industry that lost about 12.6 percent.

Statistics in Imports:

The year 2012 witnessed unprecedented rise in the imports of Liquefied Natural gas (LNG), telecommunication, and crude oil. Among these commodities, the telecommunication witness phenomenal growth of 31.9 percent. It was followed by the sharp increase in imports in LNG which touched a growth rate of 14.9 percent.

Overall standings

Japan is now considered as the third largest country in the world in terms of economy.  It follows US and China very closely and the expectations are stronger for taking them over sooner. This growth rate is also a fruitful sign for other Asian countries that have the potential of growth in the time to come as well.


US Retail Sales Dramatically Shrink-Know Details

The US retails sales have witnessed a downfall across all the sectors in the Month of March. This has been shown by official figures and the fall is the cause of the very recent rise in tax which has affected all the consumers. According to the U.S commerce department, the consumers spent $418bn, a plunge of 0.4 % on the previous month. This was the second decline in three months.

Retail Sales

Business Loss

In early 2013, payroll tax increase was introduced and the analysts have guessed that the fall in spending might be due to these reasons. The sales have become extremely low. Departmental stores, car dealers, electronic retailers, grocery stores and sports goods store, all of them reported a reduction in business. It has very much affected their earning.

The Stagnant Economy

After the figures of both January and February were revised, the picture showed the stagnant U.S economy. This year, there is an expectation of the U.S economy to grow by 2% this year but still the chances are fragile.

Shrinkage In The Job Market

Can you believe that last month, job figures have shown less than even 90,000 new jobs? The population is growing at a tremendous rate so the amount of job creations is lesser. This is resulting in a misbalance in the employment levels.

The payroll tax rise means someone who draws an annual salary of $50, 000 will collect $1,000 less this year. According to Paul Dales, an economist at ‘Capital economics’ he predicted that the slowdown would not be a prolonged one.

Do you think there will be a severe growth in the economy in recent years, it’s a doubt?


The Middle East: a rising region for business

When it comes to the Middle East, stereotypes about wealth based on oil alone are well and truly dead in the water. In fact the region is among the fastest growing for a wide range of international business, from aviation to business banking, and all the signs are that this trend will continue.

A 2012 report by Ernst and Young outlined the reasons for this. As a location for foreign direct investment, the Middle East has a strong basic infrastructure, a growing population, and governments largely positive about encouraging investment.  Arguably the second of these is the single biggest factor.

middle east business

Particularly attractive for overseas entrepreneurs, the Emirates have also been benefiting greatly from the expanding trade with the biggest economies in the world: trade with China alone increased sixteenfold since 2002, reaching $40.4 bn. As a result, global banks such as HSBC have been expanding steadily their range of business banking accounts in the region, making it easier for international businessmen to operate here.

Business in the Middle East has also been boosted by an expanding young population with far greater wealth and a more global outlook than their parents’ generation, which offers a huge potential new client base. This is shown by the success of several companies in different fields. In retail, the success of a US-based chain of frozen yoghurt cafes is a good case study. Freshberry, only established in Oklahoma in 2008, already has twenty units selling their products across Bahrain, Kuwait and Saudi Arabia. This rapid growth has been possible due to the strong consumer appetite in these three Gulf states who share a number of similarities and have grouped together as the Gulf Co-operation Council.

Many young Middle Eastern people – male and female – now go abroad for their education, and generally travel more both around the region and around the world. This has made the region one of the fastest growing for airline passenger numbers, and while the regional carriers such as Emirates and Etihad have been first to benefit, other carriers are now seeking to gain a share of the spoils through partnership agreements. A partnership between Emirates and Australia’s Quantas is due to take effect this March, while British Airways and Air France-KLM already have deals with other Middle Eastern operators in place.

Political instability has traditionally been a source of concern for investors in the Middle East. However the Arab Spring uprisings, and continued instability in countries such as Egypt and Libya, have not halted investment in the way that doom-mongers might have predicted. In fact some commentators have pointed to the way the uprisings were sparked by a young, technology aware population, as evidence for future optimism. For example E-commerce start-ups have thrived in Egypt, which has 20 per cent of all internet users in Africa. The same technology which allowed young people to organise street protests is allowing them to create business opportunities, using the latest ideas such as crowdsourcing. This culture of local tech-entrepreneurs creates major openings for international companies providing the infrastructure for them to thrive. Hardware, software and communications technology are all in big demand, and better secure online payment services could be the next major growth tech-industry in the region.

All in all then, plenty of reasons for international business leaders to keep their eye on the Middle East when it comes to expansion. The market is a growing one, certainly more so than the economically troubled Eurozone, and looks set to become increasingly open to foreign investment in the coming years.   More info about entrepreneurial ideas can be found here.

How to grow your small business

If you’re keen to get a small business venture off the ground, there are a number of ways you can go about it. Depending on your field of work, you could find that utilising mentor services, expanding your office space and networking are all options worth considering – keep reading to find out more.

Expand your business space

Whether you work in an office or make use of warehouses for your trade, if your business is taking up all the space you currently have, it might be a good idea to expand. Perhaps your office has taken on lots of new staff members and can’t grow without having the room for more workers, or maybe you don’t have enough space to invest in more stock – whatever your situation, give some serious thought to increasing the physical space you use.

If you can afford to, take a look at suitable office premises you could move to, or find out whether you can remove partition walls to increase your floor area. This will mean you can take on more staff or benefit from extra room for equipment.

Meanwhile, if you need space for stock, consider renting a warehouse so you’ll have room for storage like racking, which you can browse by clicking here.

business mentor

Use the services of a business mentor

If you dedicate most of your time to your business, you might not have had the chance to give much thought to how you can grow your firm, so consider using the services of a business mentor who has plenty of experience in helping companies progress.

The Creative Business Mentor Network is a scheme that provides support for firms in creative industries, offering advice, workshops, coaching and one-to-one mentoring from a group of professionals who have achieved success in their areas. Mentors from established companies like BBC Worldwide, Working Title Films, Sega Europe and Freemantle Media UK are all listed on the network, which aims to hep emerging businesses improve their planning, communication and financial management.

Meanwhile, the government has also set up an initiative called The Business in You that offers mentoring services, advice and inspiration for small firms.

Start networking

Essentially building relationships, networking is important if you want to grow your business. There is a range of networking strategies you can employ to increase awareness of your business and meet people who can influence your future, from attending events where you’ll meet others in your field to arranging speaking engagements to help build your reputation.

When you meet people, it’s important to take an interest – networking is more than pushing your product or service, it can help expand your awareness and knowledge of all the factors influencing your industry, including how your business can help solve problems or fill a gap in the market. Once you meet people you find especially interesting, it’s a good idea to follow up your meeting by dropping them an email or arranging to get together, rather than simply exchanging business cards.

You can also get networking online – if you haven’t already set up a LinkedIn profile or joined Twitter, it’s well worth doing so, while Facebook is another useful tool for self-promotion. Social networks allow you to connect with influencers in your field, check out the competition, capitalise on selling and marketing opportunities and engage with your audience.

Wealth Gap Between the Old and the Young: Old is Gold

Being young in the US may no longer be a thing of pride and power, with research showing that people above 65 are becoming richer by the day while those below 35 are getting poorer. The Pew Research Center in its research on social trends has uncovered this amusing fact.


Drawing from the rich data collected by the US Census Bureau, the research finds that families headed by people above 65 have been doing better with time as compared to their counterparts below the age of 65. The total household wealth has been considered to draw this conclusion.

This is calculated by subtracting a household’s debts from its assets. Car, house, savings account and 401(k) account are counted among assets while various loans such as car loan, education loan, home loan and credit card debt are considered debts.

While increased savings is obvious with older people with them having the advantage of time, education loan is one of the factors decreasing the wealth of the younger lot. The research also points to the fact that the wealth gap between the two age groups is the largest now as compared to that in the last 25 years.

Various factors have led to the widening of the gap. The bubble burst of the housing market about 7 years ago has definitely worked in favor of those who bought their houses years ago. Add to that the crisis of jobs after the recession.

Only time will tell whether this gap will reduce or continue to widen.