Penny Investing

ramyrd-consulting Penny Investing

There are many people that would like to invest money by trading on the large stock markets like the NASDAQ and NYSE however they do not because they do not have enough funds to start investing in such a big way. In order to start investing by trading anyway, some of these people opt to trade in penny stocks instead as that can be started with as little as $50. Penny stocks are shares in companies which are too small to be listed on the large stock markets, perhaps with a value below $50 million. The price of the shares for these small companies is obviously low, usually less than $5 and often only pennies which is where the term penny stocks emerged. Just because these shares may cost less, it does not mean that their price is not just as volatile as the larger shares traded on the larger stock markets as they are.

In many cases these small value shares are more volatile than the more expensive shares and a share worth only 8 cents now could soon be worth $8. This means that there certainly can be money to be made trading in penny stocks however, as the prices can drop just as suddenly, losses can also be made. Of all the people that invest in penny stocks, it is estimated that only 10% of them make a profit and so penny trading is a very risky enterprise. As with any high risk venture though, the profits from penny stock trading can be high and some people have become what are known as penny stock millionaires but they are few and far between. Professional traders in the main stock markets often consider penny stock trading as more of a gamble than an investment and the reason for this is that the small companies that sell penny stocks are not bound by the same rules as the larger companies that trade on the large stock markets. The reason why they aren’t, is because the SEC (Securities and Exchange Commission) regulate trading on the large stock markets but not on penny stock trading.

To comply with SEC regulations, a company trading its shares on the main stock markets must provide information about their company, for potential investors to see. As the small companies do not have to do this, few do and so penny stock investors often do not know anything about a company whose shares they may be buying. You can learn more about trading in penny stocks at but basically the bottom line is that although you can make profits, sometimes even high profits from investing in penny stocks, if you are going to start you had better be prepared to lose your money just like 90% of the other penny traders do. For just as little as $50 though, penny trading will give you an idea as to what it would be like investing in the larger stock markets where higher priced shares are traded.


Loans in Singapore

During these times of a global recession, many businesses are finding it hard to secure loans to see them through till better times. It isn’t perhaps the large corporations that suffer but more the small or medium sized enterprises (SMEs). However, in Singapore things are perhaps a little different as there, all you need do is search singapore sme loans and you will find plenty of opportunities to secure the funds you need, especially if you are in the field of modern technology. It is Singapore’s view that it is these SMEs that will help in bringing the world out of its recession. The theory is that in order for businesses to remain viable in these hard times, many of them will have to turn to new technology in order to make them competitive and therefore the SMEs that can provide these new technologies will do as well if not better during this recession than they would during normal times. It isn’t just to draw the world out of its recession that Singapore is putting its trust in SMEs; it also has an ulterior motive and that is it may use many of these new technologies itself. Singapore already is a financial power house in South East Asia and has in fact got the second highest GNP per capita in Asia, being only second to Japan. Singapore though is, seeking to become known as the first nation to reach Smart Nation status which is a status which has been decided to be used for a nation that uses modern technologies to improve the living conditions of their citizens, something Singapore is leading all other countries in and is approached the necessary criteria for recognition of this esteemed status.

Singapore has in a relatively short period, gone from a sleepy small port with only 1,000 inhabitants in 1818 to the prosperous port and industrial giant it is today. This transformation started when Sir Stanley Raffles visited the sleepy port and recognized its potential. Located at the foot of the Malay Peninsula on the Straits of Malacca, Singapore is ideally situated as a trading port between India in the west and China in the east. Raffles therefore pursued Singapore’s potential and expanded the port which was made easier by it having a natural harbour. By as soon as 1825 Singapore had a population of 50,000 and that was still increasing until 1865 when it rivalled the long established Penang in Malaya as being the busiest port in the region. Although it history since then is mixed, Singapore continued to prosper until in the 1990s, it was recognized as one of the world’s richest countries. It is perhaps therefore no surprize that Singapore is hoping to make significant gains even through the recession and appear at the other side of it, as the world’s first Smart Nation and writing the climax to its rags to riches story. Whether Singapore is successful or not, its SMEs are currently gaining from its plans by having easy access to business loans.