Are Penny Stocks Too Risky?

By Marco Davies

The expression 'high-risk investment' often sounds alarming, and frequently this phrase on its own is sufficient enough to put a good many investors off - because at the end of the day few savers wish to take the risk. The concern with purchasing any form of stock (high-risk or not) is that it is invariably a gamble.

In that respect is a lot of data swimming around on the World Wide Web regarding penny stocks. Virtually everyone with e-mail has gotten spam at some point, boasting about them as the next fantastic investment. Regrettably, much of this data is geared toward victimizing you in some sort or another, and it is likely that you will lose all of the money that you placed into the stocks and shares promoted in this way. This doesn't necessarily follow that all penny stocks are raw trades, or that every single investment is a con, in fact, far from it as some may be very profitable.

Penny stocks are affordably valued stocks or shares in companies or business enterprises that are thought of "small," as opposed to large corporations. There are not that many shareholders involved, making them less 'fluid' than many other varieties of stock. The object of speculating in penny stocks it to spend only a tiny amount of money in the beginning to savor a big return subsequently, but does it work this way? It does, now and again, just not regularly but for people who know what they're doing when they invest, they can be a great investment funds instrument. Dominating the art of dealing in penny stocks can be awkward, nonetheless.

Basically, penny stocks don't trade on the major stock exchanges, rather, they are acknowledged as "over the counter" investments, listed on Pink Sheets and the OTCBB. This makes them rather extraordinary, and somewhat more difficult to locate for a good many speculators. Penny shares also do not trade very frequently, so now and again investors have very little time to act. Because trading doesn't occur often, there is always the fear of being not able to trade one's stocks and landing up with a poor investment funds. This is just all part of the challenge of dealing in penny stocks, and numerous speculators consider this makes the game all the more intriguing. When you invest, you should get monthly updates that inform you of how your stock is managing.

Many investors consider penny stocks too unsafe but the only individual who can determine that is you. It's all down to how much gambling with your funds you wish to do, just how much you are aware penny stocks, and how fortunate you feel. If you imagine speculating your money in penny stocks is a good idea, then it probably is but everyone has a different thought so study them, and form your own views. - 23221

About the Author:

Everything they never told you about good penny stocks revealed! For more insider tips and information be sure and check out Penny Stocks

Stock Market Basics For Beginners

By Patty Berker

The stock market is not a place for the timid as shown by its terrible performance over the last year or so. You should never invest money in the stock market that you cant afford to lose and this has never been more evident than this past year.

Stocks are risky and any stock you buy can go up or down no matter how much it is recommended. Anyone who tells you that investing in stocks is safe is not telling you the truth. If you want safety, you should be investing in bank CDs or government bonds but of course right now they are paying next to nothing in interest. You may get a higher return with stocks but the much higher risk comes with it.

The last 10 years or so have seen stocks become much more volatile. One of the reasons for this is the emergence of online stockbrokers and the ability to buy stocks online. Day traders have emerged that are interested in buying and selling stocks quickly rather than invest for the long term. This has made the stock market have bigger swings day to day. It used to be that investors bought stock in a company because they liked its fundamentals for the long haul but now many buy stock with only the short term in mind. It has almost become too easy for anyone to get involved in the stock market and as a result a lot of beginner investors have gotten involved.

The stock market will have you scratching your head if you are new to the stock investing game and trying to learn for the first time. If you watch the business shows on television they will throw around more fancy words a minute than you can ever learn it seems.

Your best bet is to get a book on the basics of stock investing and then start to learn the vocabulary and terminology. Know that this will be a long term endeavor but one that will be worth it. If you go about things slowly and keep learning from the ground up, you will soon be in a position where you will understand what is going on in the stock market. You will then start to understand what type of stock investments you are interested in and what types you will want to steer clear from. - 23221

About the Author:

Are you interested in learning how to get real time stock quotes? If you are, please visit my website How To Buy Stocks.

What Are The Most Common Foreclosure Scams

By Doc Schmyz

Home foreclosure is a VERY common problem that people face today. More often than not it starts from one missed payment which the spirals out of control. Before you know it you have missed three or four payments and the lender/ bank wants you to pay everything you owe all at once. Now the home owner panics and is looking for some type of "help".

This is when the swindlers and crooks find their way into your mailbox or give you a call. Foreclosure scams are as common as the problem itself. Since homeowners believe that they have no choice they fall for these traps and make their situation much worse than it was before. It is not uncommon for these scams to lead to even greater financial problems then the homeowner faced in the first place.

Scam operators also distribute flyers,advertise online, publish advertisements in the local newspaper, and call homes which are included on the foreclosure list. They call themselves mortgage consultants who offer foreclosure services or advertise with "We buy houses" slogans and signs. In the last few years they have also begun to get involved with local real estate investment groups as well.

Common scams:

Bankruptcy Foreclosure Scam

This scam operates by promising the homeowner that their house will be saved. In return they will either ask for the homeowner to pay their mortgage directly to them, hand over their deed and pay rent, or obtain refinancing. Of course these crooks never do anything for you...they contact NO ONE on your behalf. They keep all the money and file bankruptcy without your knowledge. Eventually they just skip out on you.

Since the homeowner is not aware that bankruptcy has been filed, they fail to participate in the case. The case is dismissed and the house continues onto foreclosure. Apart from loosing money and your home, you will also have a bankruptcy on your record.

Equity skimming

The scam artist poses as a buyer. They then promise the homeowner to pay the mortgage or given them a sum of money once the property has been sold. The operator then convinces the homeowner to sign over the deed and move out. The homeowner can stay but they have to pay rent. If they opt to move out the operator lets a third party rent the property. The operator does not pay the mortgage and lets the mortgage lender foreclose. and of course they skip town and are never seen/heard from again.

If the house has equity, the operator sells the property and pays off the debt. Then the operator keeps the equity that the homeowner could have had if they sold it. In few cases, the scam operator actually finds a buyer or sells the house. - 23221

About the Author:

Doc Schmyz has done real estate deals all over the US and Canada. He built a free website shares Real estate investing information for all over the US. Find Real estate investing information by state

Take Advantage Of A Forex Made Easy Program To Be Successful In Forex Trading

By Bart Icles

FOREX Trading or better known as Foreign Exchange Currency trading is the buying and selling of one currency and exchanging it for another in an effort to gain a profit from the rise or fall of foreign exchange rates that is inherent in the market. Forex currency trading today has been made relatively easy with the use of the Internet. The Forex market is not directly controlled by any single entity, and has no centralize exchange location unlike futures or stock exchange.

Exchanging one foreign monetary unit for another in a market that encompasses the whole world can look like an impressive and daunting task to do for most people, especially those who're just getting started in the business. Being so, setting up may be harder to do if the neophyte trader doesn't have a definite trade system to help them navigate through the currency market and its many complicated approaches, and terms.

Luckily, the Internet has also paved the way for many Forex experts and experienced Traders to share their vast knowledge through Forex tutorials, Forex trading courses, and Forex Software Programs. Such courses may impart some basic steps to follow on how to get started, how to read Forex trade signals, or help define some of the trade's complicated terminologies. Usually, though, the most advanced and comprehensive programs are exclusively available only if one gets a trading account with a licensed broker or brokerage company. It's only but a question of choosing one that can fit your trading needs, as well as your trading system.

Most Forex made easy programs won't be as effective as advertised or professed if it fails to impart its lessons in a language that is clear, and fully understandable to you. The Forex trade has some interesting terms in use, such as, Pips, candlesticks, and trade the trend - but if these terms are not fully explained in context, then the program will become nothing of value to you or anyone. Many of these program sellers only divulge the contents of their software packages after payment has been made - so be wary and be warned before it's too late. It's best to do some little research on such programs in the Internet, or maybe ask for some referrals from them to ensure it delivers what it advertises.

Needless to say, there are really some truly great and noteworthy Forex programs that can make trading the currency market easier, especially for beginners. Take advantage of such a program by following the link below today, and start making successful trade deals in the near future, and hopefully for many years to come. - 23221

About the Author:

Finding a good online forex broker starts with a desire to learn and a drive to become a great trader. But learning forex trading online takes dedication and a good teacher. But once you learn how to trade and do so successfully your life will change and you have options and financial resources you never had before.

How to Make a Budget

By Joe James

With the economy in freefall, everyone is concerned about spending too much money. We all need to save money but a lot of times people dont know where to start. We have a lot of expenses. With spiraling costs it is difficult to live on a shoe string budget. Many people are losing their jobs and yours might be next and so it is wise to curb our expenses. How do we do that? Here are some tips that can help you save some money;

Pay only cash when you visit a super market or mall. That will help you in only buying stuff which you need. If you are using credit card, only use it to the extent that you can pay it off in a months time. Keep your card expense to the minimum. If you have more than one card, try and close the others. Keep only one card and deal only with a single lender. It's easier to track your cash and you become aware of your spending easier.

Tracking your expenses is one of the easiest way to control your cash so you can see where the money is going. Make a list of expenses you have every month. The ones that you have to pay. Not purchases you could do without- mortgage payments, utility bills, education expenses, medical insurance payments, and so on. See how much extra cash you are left with. Save 10% of it.

Use car pool to go to work. If your friends live in your neighborhood then you can plan to pool. This will help you save on gas as well as you will be doing a big favor to the environment. By carpooling or taking public transportation, you can save a lot of money on gas and auto insurance. It may take a few minutes longer to get to work but it's worth the few hundred a month you will save.

One of the easiest and greatest ways to save money is to stop eating out. Restaurant food is very expensive and if you eat out a lot, you will have a big food bill. However, eating in and cooking your own food is a great way to save a lot of money. You'll learn how to cook and you'll cut your food bill in half. Food is one of the biggest expense people have and one of the quickest and easiest things to cut.

There are many ways to trim your expenses. Budgeting is easy but it is the easiest things that are the hardest for people to do. If you budget right, you'll be able to save a lot of money and not worry if you lose your job. Budgeting can help protect you from a rainy day. You never know what could happen. - 23221

About the Author:

Joe James gives financial advice for a living. He resides in the southwest of the United States and is a retirement specialist. You can find out more information at his website, http://www.myownmoneystory.com.