Author: <span class="vcard">Ramon Dahl</span>

Do you want to trade with penny stock and do not know where to start? Do you how you can maximize your profits from trading with your penny stocks? If you are searching for tips to help you succeed in your penny stocks, then you have come to the right place. Penny stocks are low-priced shares that are floated by small companies as a way of raising their capital. However, are people able to make the wise decisions to invest in penny stocks? Below are some tips to investing in penny stocks that every investor must know.

Investing In Penny Stocks

Make use of basic stock screener

Instead of checking penny stocks information on forum boards, investors are highly encouraged to use an automated screener to check their preferred stock with ease. There are various automatic screener’s that are available in the market including; Bing finance and OTC markets. The screener will help you select penny stocks based kkssksskskon the following;
• Book value
• Revenue, growth
• Cash flows
• Dividends

Check on the Liquidity

There are penny stocks that will trade in hundreds while others in thousands per day. To get a clear liquidity view of a company you are supposed to multiply the number of shares traded by the price of each share in a given day. Penny stocks with lower liquidity are likely to be very volatile. When investing in penny stocks, it is always advisable to select the one with a higher liquidity and a fair price.

Keep all trading records in a journal

As a starter, having a trading journal is one of the very important assets that you might have at your disposal. The journal keeps records about the various moves made and whether loss or profit was made. This information about how you performed in the past will likely help you to become a more proficient trader in the future.

Volume of the penny stocks floated in a day

kdsksksslksksskskIt is always advisable to check on the number of shares of a particular company that is traded on a given day. Click here to see the list. This reflects on how the cash flow within a given business is. A company with a low shares transfer rate of penny stock is very risky.

Finally, it is important also to read and understand the disclaimer information. With the above tips and investor can be able to trade in Penny Stocks.



Running a successful business nowadays is almost impossible without properly handling all accounting activities. Accounting is one of the critical components of every business endeavor. Therefore, if you plan on setting up a new business of your own, or you seek to increase your current business’ productivity and improve your revenues, you should consider finding the right accountant. An individual accountant or an accounting firm will handle your entire load of documents dealing with financial transactions and other important activities. You can check out Susan Becker for more info.

If you value your effort, and your business in general, you probably have pretty high standards. To find an accountant who will be capable of meeting those standards, you should conduct a thorough search and ask all the important questions. The last thing you will want to see is your business going down, due to the mistakes of some incompetent accountant.

An important decision

mbsjfhjhfSince accountants work with money, you will be practically putting all your finances in their hands. That is why you need to make sure that an accountant is reliable, experienced and skilled. This is something you will have to be 100% satisfied with. Before you hire an accountant or an accounting firm, these are the questions you should ask them.

What do they offer

The best way of knowing whether an accountant can meet your requirements is to first ask him/her what they can provide. This is very important because you will need to evaluate and assess, whether the services they offer, perfectly match the services you need. You should familiarize yourself with their methods of handling payroll systems and tax services. Additionally, they should be equally capable of aiding you in both your financial and business endeavors.

A good accountant will know how to direct you towards investing money in lucrative activities. While doing that, he/she will constantly keep in mind your specific goals and needs.

What are their goals

Consistent professionals and agencies have equally consistent purposes and goals. For every kind of situation, they usually have the right action or contingency plan. Accounting activities are quite unpredictable, due to the constant shifts in both Federal and State laws. That is why they need to be prepared to quickly adapt to new and unexpected situations. To achieve that, they need to possess the right mindset for this kind of job.

Individual accounting professionals, or agencies who know what their exact purpose is, and who have clearly established missions and goals, are quite easy to spot. When conducting interviews, or just simply looking around the offices, you can easily see whether they are fully devoted towards fulfilling their end goals, or not. Their efforts and hard work should be reflected in themselves, how they conduct themselves, how they talk about their current activities, and how eager they are to take on new professional challenges. Take their reflections as a future reflection of the work they are supposed to do for you.

Are they responsive

33klwriruIndividuals and agencies, who are willing to share information and details free of charge, are usually the ones who would rather serve you, not just earn from you. This is an indication that they put the needs of their clients in front of their own, and that they value the trust you give them and money you spend.


Large enterprises use outsourcing services to reduce the employee’s count, overhead expenses, and bureaucracy. For the small scale and medium sized companies insurance firms, outsourcing can be beneficial to them since it will be the critical tool to facilitate cost-effective growth and productivity is stimulated in a case when employing experienced workers is expensive or hard to find them. A firm when running into losses when insurance producers and underwriters spend most of their time on routine data entry, invoicing, ordering, rating and MVRs. Through experience it has proven that the said employees when they are deployed to new business renewals and development, profits will be realized at the end of the process. The following are some of the tips for successful insurance bpo services process outsourcing;

Best tips

Growth related

hhjhjjhjhjhjThe main aim for a firm to outsource is to gain at the end of the day but not to shrink. The businesses primarily outsource because of them to innovate quickly and more inexpensively to grow larger, and market share is gained. For the companies where their employees are valued and have got enough experience, the primary goal is to cut and downsize costs. Agency costs are reduced by outsourcing routine tasks, and the resources are liberated and are deployed more productivity.

Systems and security are kept under control

The business organization provides cost savings by shifting a person onto their agency management system under the traditional business process outsourcing model. In the process, the system can operate faster and cheaper compared to when one does it by herself or himself. The disadvantage is the price increases or the quality of services decreases because of the relationship that exists. In these modern times, the outsourcing firm connects remotely to the system of one’s company, the processes are learned, procedures are followed and essentially become add on to the agency. On one’s server is whereby all the information is stored and is monitored on a daily basis by the managers.


kjkjjkjkkjjkjkFor effective communication between an individual’s service provider and one’s home office, there are some important elements to be considered. An industry specialist should be regarded as rather than a generalist. An individual should settle for a service provider that knows the operational objectives and challenges particular to one’s type of insurance agency. The service provider must have a functional office with at least a special branch office. The quality of service provider staff should be looked at by the individual.


Doing business today can be quite tough due to reasons ranging from lack of customers to competition from other business that deals with similar products or services as you. Small and large businesses are all on the look out to try as much as they can to increase sales and maximize profits. Giving out credit to customers is an ideal way to increase sales as well as create a good relation between you and the customer. Businesses that offer credit services to their customers have recorded increase in sales of up to 50 percent. This means that the customer can take goods and pay on a later date as agreed.

Factors to consider

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Before giving out credit to you customers, you should be able to know the amount of risk your business is willing to take and handle when issuing out credit your customers. Ensure that your business is stable enough to take up such a transaction; this is because most credit offered to customers usually end up being unpaid resulting to losses or even closer to businesses.

Credit terms

Make an agreement with you customer about the amount you are willing to spend, and the duration it is going to take for it to be paid back. Gauge the amount you are willing to give out and ensure it won’t stall the normal flow of business until you get paid. Credit can take between 5 days to several months as agreed upon by both parties.

Credit qualification

Before extending credit to customers, it is essential that you determine their creditworthiness. This is important because it increases the chances of you getting back the money that you have issued out as a credit to the customers as credit. Start by running a background check on them. Request for simple things like credit application references or run a check with consumer credit agency to pull out important information concerning your customers.

Credit policy

trsefegrfgvCreate a credit policy that pulls all the process of applying, issuing, submission and collection of all credit related activities so as to be able to plan ahead. This will save you time, and other hustles as everything will be clearly drafted. This can be done by a hired skilled personnel or use the available staff you already have from an accountant to bookkeepers to help with all the processes.

Credit review

Keep a track record of customers and the amount you offer them regarding credit and review them later. This will guide you when intending to increase the amount of credit, which you are willing to give out to your customers, as well as monitoring customers that pay up on time to increase their level of credit upon their request.


Unsecured loans refer to loans that are issued to borrowers without collateral or security and only relies on the creditworthiness of the borrower. These are loans that are obtained at a higher risk to the loaner as there is no property to cover the loss if you default and you are unable to pay back. It is also referred to as a personal or signature loan. Unsecured loans have in the recent past, been issued quite a lot. This is as a result of the increasing demand for quick short-term money and its easiness to access. However, for you to qualify for these loans, you must have high credit ratings.

Advantages that come with unsecured loans

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Unsecured loans are easy to access. This is because you will not need anything to give you equity. It means that you already qualify for this loan even if you do not have any property under your names like a car, house, boat or land. This is good because you will not lose anything if you default, or you are unable to pay unlike other types of loans that banks come and recover personal properties as collateral.

Easy to receive

Unlike other loans, unsecured loans are easy to obtain. Approval is always immediate compared to other types of loans, where you have to provide the personal property such as legit title deed for land and log book for a car to access them. With the unsecured loan, you can apply and receive your loan approval in a matter of hours. This makes it ideal in case of financial emergencies.

Minimal documentation

sdcghrxdcfhgbhUnsecured loans are flexible loans that do not require a lot of paperwork for you to receive them. This is good because it will cut on time and you will be able to get your loan faster compared to other types of loans that require lots of paperwork and senior personnel to approve. All you need to check is ensure that your credit ratings are good.

Additional flexibility

Since unsecured loans are provided based on the borrower’s monthly income, getting that extra cash can be used to expand or start a business. Unsecured loans are flexible because modes of payment can be changed and agreed upon between the lender and the borrower in case of an emerging issue.