Penny Stock Investment Beginners Guide

In the modern world, it is possible to grow your financial account exponentially just by being wise and maximizing viable opportunities in stock trading. Penny stock trading is an efficient trading platforms with high potential profits. It involves trading penny stocks that are usually under $5 a share. Though trade is often unpredictable, it is surprisingly consistent making it easy to earn profits. Penny stocks offer the highest risk to reward ratio than any other type of investment in the market and with a good strategy you can turn $5,000 into $20,000 in just a few weeks. They are the least complex, and anyone can trade. Click here for more on their list of the 10 top penny stocks. However, one has to employ some tips and strategies to earn profits.

Penny Stock Investment

Consider all variables

The number one reason why many traders tend to lose money is that they do not consider all varialkjhhjkiooiuytyuiobles. A dealer has to be familiar with how Wall Street, as well as the characters involved, work to be able to adapt to change. While stocks and individual players can change, Wall Street does not change. While you can make huge profits with penny stock trading, you have to know that it has its limitations. It is important to know all pitfalls that you can encounter I the trade to avoid incurring losses.

Consider trading as well as volume restrictions

Before you start the trading, analyze the daily trading volume. Only invest in in penny stocks that trade above 500,000 shares each day. Ensure you invest in stock for less than 10 percent of its daily trade volume since investing more than that will only make it hard to liquidate the assets.

Long or short

You can either make money by buying long or selling short. In the case of going long, investors purchase stocks anticipating that they will increase in the value of a period. Investing long can generate high returns of between 30 and 70%. On the other hand buying, short involves finding the stock which you think their price will fall then taking out a loan to purchase the stock then selling them back to the market. When the price of your stock drops, you will get profit which will be the difference between the cost of the loan and the earnings gained from selling the shares. Selling short is a risky strategy that should only be employed by experienced professionals who can accurately identify which stocks will fall in price.

An effective stop-loss method

lkjhytyuioiuytyuioA stop-loss method protects traders from loss by alerting an investor if the stock falls below a certain percentage or purchase price. They prevent you from buying shares that drop drastically but keep you investment open to significant earnings. Upon employing an automated stop-loss order, your stock is put up for sale once it reaches your designated stop price.

Various Ways To Finance A Business Startup

When one decides to start a business, one thing is for sure; they need a starting capital. The initial costs come as a result of giving the business what it needs to take off like products, human resource, and overhead costs just to mention but a few. In Most cases, people rarely plan for this or even don’t have it. There are various ways one can have capital to start of any business. So, below is a list of various possible sources.

How to finance a business startup

Savings from income

gfdgfdgfdgfdgfgIt is common to see people save for a future business they intend to start. The savings from income can be done through a bank or any other savings institutions. While saving can take long depending on the income per month, it is the best way as they business will kick off without loans or debts. The best way to save is using a fixed account to avoid temptations of making a withdrawal before, the time comes.

A loan from merchant lenders

These institutions specialize in helping business oriented people to finance their businesses. The merchant advance come with low interest rates, and their terms and conditions are usually favorable. If you intend to have a business startup, it is good to discuss this with them so that they can give a grace period before repayment commences.

Borrowing from a friend

fdgfhfghgfhgfhfghIf you have a friend with a lot of money at disposal, then you can take advantage of the interest-free loan to start a business. A friend will also not rush or give too many conditions while giving the loan. If they are in business as well, they can act as mentors to provide a necessary advice one needs to succeed in business. However, this method can make one lose a friend especially those who do not honor the agreement.

From a financing investor

Some big investors who own big companies and organization are usually willing to help others make business start up. In such a case one needs to write an interesting business plan which will convince the investors that they don’t stand a risk to lose their money. The agreements may differ ranging from how the two will share the benefits and loses to time durations of attachments.

From the above list of business startup capital sources, it is evident that one stands a chance to open one even without own money.

Considerations to Make When Choosing a Financial Consultant

Financial literacy is an integral part of life because the way you plan and manage your money will determine the life you will live after retirement. Due to this reason, many people are looking for financial consultants to help them with their financial management plan. Financial planners or consultants perform the role of advising their clients on the proper ways of saving, investing and growing of their money. There is a financial consultant who has specialized in advising their customers on retirement planning and real estate management among other aspects of financial matters. However, it is critical to consider the type of financial consultant to give these services since not all of them can offer you the desired result at a reasonable price.



kllmmbbThe first thing you need to ask yourself is whether the financial consultant is operating legally. A credible one should have accreditation from recognized and independent regulator to ensure that it is working within the regulation and has met all requirements as well as qualification to offer such financial planning services. Certified financial consultants are those who have been licensed and regulated to advise people on money matters thus have the expertise and experience to meet your desired results. You can begin by asking individuals who have received such services, review market ratings, or look at the history of the financial consultant before allowing them to offer you financial advice.

Pay structure

The second essential consideration should be the fee structure of the financial advisor you want to choose. Some benefit by charging commissions while others earn money by asking for flat, hourly rates. Those that ask for commissions may lead you to a particular direction, but may lack the altruistic incentive to facilitate some mutual funds or life insurance packages because they know they will get a cut from such revenue stream. However, those that charge flat fees are ideal to pursue all manner of financial matters including retirement planning because they work hard to get your finances right. Depending on your preference, make sure you choose the right payment package that will influence your financial advisor to get you the best deal.

Code of ethics

llkkkjjhjhFinancial consultants adhere to different codes of ethics that determine how they conduct themselves and deliver services to their clients. You should look for the term “fiduciary” in the code of ethics of your preferred financial planner because this word implies that your consultant will act in a manner that suits your best interest. The implication is that whatever they sell you must be ideal and in your best interest, as a client.

Get Your PPI Claim Before The Deadline

Most people who live in the UK would have taken a loan out in the last decade to either buy a house, car or just about anything. We all know that we need our credit cards on a monthly basis to be able to balance out our expenses with our income. However, it has now become know that the financial institutions that gave out all the loans and credit cards did not take any risk and always were able to get their money back even if the borrower was not able to make payments.

Payment Protection Insurance or PPI

By using the above insurance policy for each and every loan, the banks were able to b;tljeprotect themselves, however, what was not right was that the consumer was the one paying the premium for this insurance. It has been declared that the banks have misled customers into paying these premiums and often did not even tell the client about it. The worst part is that banks even made a profit on this as they added the premium as a portion of the loan and charged interest from the borrower. In such a case, the person borrowing paid more than just the premium for the insurance.

PPI Claims

There is now a deadline of 2019 for anyone who wishes to make their ppi claims. It is advisable that you start your application now if you have not already done so. If you are not sure if you have been affected by this misleading work of financial institutions, you can always contact a claims management company, and they can take a look at your loan paperwork and see if you are also eligible for an application.

The process

aa05Application for a PPI claim can be made by yourself or by a solicitor who is knowledgeable in this topic. If you want it done correctly and with less hassle to yourself, you can contact a claims management company, and they will take care of all the legwork on your behalf. They will charge you a reasonable fee of about 12.5% plus VAT which is better compared to not having any claim money at all.

There are many benefits of using a solicitor, and they include no upfront fees, no hidden fees and they will have a proven track record too. They will also offer you a personalised and efficient service, and your claim will be processed in no time at all.

What to consider when choosing an accounts receivable factoring firm

Are you looking for a great way to help ease the tension with your company’s cash flow? If so, then you should look into Business Accounts Receivable Factoring. This is a very useful tool for business owners who are in need of working capital. In a nutshell, it is the sale of a company’s accounts receivables at a discounted price so the company will be able to fund its daily operations.

Choosing an accounts receivable factoring firm

fsgfs5sgh3334It is true that business accounts receivable factoring is useful in times of financial crisis. However, working with the wrong company may add more pressure to your business. It is then imperative that you choose the best firm in order for you to effectively ease cash flow tensions.

If you take a look at the marketplace, you will realize that there are thousands of accounts receivable factoring firms that you can choose from. Therefore, it is crucial that you know exactly what to look for.

Here are the important things that you should consider when selecting the best firm.


Like what was mentioned above, there are so many firms that are offering their assistance. But then, not all of them can truly understand your needs. You can narrow down your choices by looking into firms that have the expertise in your business model as well as the industry where your business operates in.

You will be able to save your time if you go for a company that already knows your exact needs. Hence you can focus more on growing your business.


Since your main goal is to to get more business, you should acquire funding from an accounts receivable firm that has a proven track record in the industry. The best way for you to identify reliable and stable firms is to check if they are affiliated with the International Factoring Association.



Another factor that you should consider is the flexibility of the firm. It is important for you to ask if there is a specific length of time that you are required to remain in the factoring relationship. You also need to determine if you need a personal guarantee, if you are required to sell all your invoices, if there is a minimum amount of invoices that you have to factor, or if there is a maximum amount that you can be funded with.


Last, but not the least, you need to have a better understanding of the pricing of the potential accounts receivable firm. Know how they structure their fees so you won’t be surprised at the end of the day.