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I wouldn't talk to you guys either what is he suppose to say. Either way he is wrong and he can not talk his way out of anything at this moment. Because for one I'm sure he was not suppose to be posting on here anyway about the companies inside working because if they wanted us to know they would have PR'd it, but they didn't because I'm sure they could not tell what direction there business was going off of the first couple of months growth because actually they had no growth because they were spending money faster than they were making it and for him to continuously tell us everything was going well, I'm sure was outside of his lane. And now that the truth is coming out what is he suppose to say "I'm sorry" everyone knows that is not going to cut it or "I didn't know", yeah o.k., lets take a count of how many people will believe that.
Maybe they kept Amir out of the loop on certain things because they knew he was posting everything he knew here. It's not like he is a major player or anything he just does there web page and gets information as it is related to him and getting his job done. There was no reason for him to know about a R/S especially if he can't be trusted not to drop hints to the investors on a message board. For all we know he was being steared to think everything was o.k. so he could convincingly chat it up with us over here.
Just a thought, I know no one will consider it but if I was someone doing the wrong thing and I knew I had a person that loves to tell my business around me, I would watch what I said around them and made sure they thought everything was cool.
It was far from an attack I do not attack people especially since I don't know you from Adam. I was just wondering why the change of heart.
What happened Willow couldn't hold your thoughts back any longer?
Here is my disclaimer:I'm a huge BHUB shareholder(the biggest one there is),my intentions are to sell if it ever trades again.On my mother's grave,I will never post another post on this board UNTIL it trades.For the record,I think that it won't trade--GLTA--thanks ART for everything
I do not believe that the wording makes a difference when it comes to this. Because by definition a reverse split is suppose to reduce the O/S. But if they found a way to get around that and just split the O/S I'm sure someone would have mentioned it.
A reverse stock split is a corporate action in which a company reduces the number of shares it has outstanding by a set multiple. This is the opposite of a stock split, in which a company increases its outstanding shares by a set multiple.
For example, if a company announces a reverse stock split of 1:100, this means that once the split occurs, investors will receive one share for every 100 shares they own. In other words, if the company has 100 million shares before the split, this number would be reduced to 1 million after the split. As in a regular stock split, a reverse split causes no actual change in the value of the company because the share price also changes. However, some investors can be cashed out of their positions if they hold a small number of shares. For example, if an investor holds 50 shares of a company that splits 1:100, that person would be left with only half a share, so the company would simply pay that investor the value of the 50 shares.
Reverse stock splits are often seen as negative corporate actions because they are a tactic used by companies that have seen their share prices fall into the $1 range and, therefore, run the risk of being delisted from stock exchanges that have minimum share price rules. For example, if a company is listed on the Nasdaq and its shares fall below $1, it runs the risk of being delisted; companies sometimes reverse split to increase share price, allowing them to continue to trade on a reputable stock exchange.
Put Your Money Where Your Mouth Is
I sent Frank an e-mail today and he was very quick to e-mail me back which is a change of pace for me because none of the other CEO's around here do that. Well anyway, he pretty much said what I have seen repeated on here a couple of time throughout the weeks as far as his progress for the company. I posted it below but it's not anything new. For the most part everybody should just lay low on this one till next year like stated earlier or build your base which ever is in your best interest. No need to check the day to day on this one cause there is no day to day. We should just let the man work. And if you need your money before next year maybe you should pull it out and get back in later in the year I doubt the price will change any.
He must have been sending out alot of e-mails or in a heck of a rush cause there are some typos. But you take what you can get around here.
Subject Re: Investor Inquiry
From Francis Manzo <francismanzo@comcast.net>
Date Wednesday, June 18, 2008 23:47
To "xxxxxxxx, xxxxxxx x. SGT MIL USA NETCOM" <xxxxxxx.xxxxxxxx@us.army.mil>
Actually that (below) is true. What we are doing is as such:
We made a decision to go into the energy field and are in process of
incorporation a separate energy subsidiary to handle that aspect of the
business. . We're working with our consultting geologist on selecting
potential oil and gas acquisitions.
We arranging a line of credit for these energy purchases, and are awiting
for some attorney's opinion from the borrowers. Not large, but a start based
on cash flow from the wells we'll purchase.
About a year ago we established Winsted Acquisition I, Inc. in Nevada and we
are looking at a small business acquisition to put into that entity.
Our audit situation is more complicated. We needed to re-file the 2005
financials, and no auditor would sign off. Therefore, we plan to do an
audit for 2007 and 2008 which will give us the SEC 2-year requirement to go
back into a reporting requirement.
We're in process of hiring a IR person to assist in that effort.
Regards,
Frank Manzo
Wnsted Holdings, Inc.
Put Your Money Where Your Mouth Is
The other ones like ATLJ are just sitting there rotting no one is talking and nothing is being done. I even tried to contact the actual company, Asia Telecom Ltd. and they have not responded to anything I have sent to them. I really just wanted to know if they knew that there were shares being traded under there name but nothing . I'm guessing there is nothing they can do about it now.
This board is marked by about 382 people. If 300 of those people bought 3,333,333 shares it would cost them $333.00 at the price of .0001. But I doubt you could find 300 people to do so considering the people holding here that communicate on a daily bases have over 3,000,000. shares each and don't plan on buying 3,000,000 more until they get some answers around here.
Put Your Money Where Your Mouth Is
Yeah I looked at pinksheets earlier and seen that the last trade was at .90 but I know none of the shareholders benefited from that price especially before their 6 digit shares turned into two digit shares. For me to get my money back on the shares I have I would have to sell each share for around $36.00 a share(not happening) or waste more money buying more shares to average down and hope for a run, which is what they want. I'm sure they are just sitting back waiting for people to start averaging down in hopes that they will pump this one last time so we can dump. Only people doing any dumping is them cause either way we lose out if we buy their shares to average down they don't need to pump a thing they can just sit back and watch the orders flow in. If we average down and they do do a little PR here and there we wil still only get a portion of the initial investment back just because of the value of our current shares. Either way they get their money cause we would only be buying from them. The last ask I seen for today was .05 for 5000 shares, all I could do was shake my head.
Put Your Money Where Your Mouth Is
Happy Fathers Day
Happy Fathers Day
Happy Fathers Day
Happy Fathers Day
Happy Fathers Day
Happy Fathers Day
Happy Fathers Day
Happy Fathers Day
Happy Fathers Day
Put Your Money Where Your Mouth Is
Yes I looked at the list then I went to the search entire site option and I searched the entire site. After that I looked at the list again and the 3 lists before that and then I looked at the list you said and just because I was amazed that I couldn't find it anywhere after you quoted a source I looked at the list again. It was not there.
But for kicks I looked again today and I found it. Yeah, yeah I know. I should have kept mt yap shut but I made a mistake I'm sorry. I apologize. It's there.
Put Your Money Where Your Mouth Is
I should have waited to post that the post was false just to see how many people actually went and looked up the information themselves before taking it to heart. And they wonder why they lose money.
Did you even look at the list there is nothing there or on the whole site about RBID since like 1999. There is no R/S at least not on the 16th. The person that posted that is wrong for even attempting to pass on false information. It's not like it matters either way there is no money to be made here but some people are emotionally attached to there investments(not me) and get all excited and crap when they think there is news, I'm sure they thought that was funny to post but inaccurate none the less.
Put Your Money Where Your Mouth Is
Sie können belive, gerade wie was Sie mich möchten, sie aufzupicken und zu sehen, was geschieht.
I still beleive that this will have a good run one day even though it's not doing much right now. I don't believe it will stay like this for long. That doesn't mean I will not warn people that it's a risky play or maybe not even a play at all. Personally I like it, realistically it's dea for right now. There are a couple of stocks that people keep yelling scam on that just don't seem like scams to me. I have some that are scams and once those CEO's and friends made there cut they were no longer in existance. No trading on nothing just now you see me now you don't. There is more to this one than meets the eye and since I'm not in any rush I can wait to see what happens. The money that I put into any stock is money spent, to me. For the most part I don't plan on getting it back but when I do it's always like Christams.
Put Your Money Where Your Mouth Is
HERE ARE THE STOCKS WE WOULD AVOID:
ACCR (Access Power,Inc.)
ADCS (Advanced Content Services,Inc.)
ADOT (Advanced Optics Electronics Inc.)
AFAO (AFA Music Group, Ltd.)
AMHD (Amelot Holdings, Inc.)
ARIO (AmeriResource Technologies,Inc.)
ASII (Axion Spatial Imaging,Inc.)
AVNT (Aventura Holdings,Inc.)
BHUB (BigHub.com,Inc.)
BKMP (Blackout Media Corp.)
BNYN (Banyan Corp.)
BUNM (Burned Media, Ltd.)
CBAY (Cal-Bay International,Inc.)
CWIR (Central Wireless,Inc.)
CWRM (Cotton & Western Mining,Inc.)
CNES (Conectisys Corp.)
CTCK (Coattec Industries,Inc.)
CTKH (Cetek Technologies,Inc.)
DLAV (DealerAdvance,Inc.)
ECGA (Encompass Group Affiliates,Inc.)
EWRC (eWorld Companies,Inc.)
FFGO (Fortress Financial Group,Inc.)
FGWI (5G Wireless Communications,Inc.)
FMNJ (Franklin Mining,Inc.)
FNIX (Fonix Corp.)
FSMH (FSBO Media Holdings,Inc.)
GLBT (GlobalNet Corp.)
GLMN (Global Media Networks,Inc.)
GMFX (GameZnFlix,Inc.)
HCPC (Heritage Capitol Credit)
HCFE (Healthy Coffee International,Inc.)
HMIT (Hidalgo Mining International)
IDCN (Indocan Resources,Inc.)
IDTA (Identa Corp.)
ILVG (Intelligent Living Corp.)
IMJX (Imagexpres Corp.)
ISYX (In-Systcom,Inc.)
JMON (James Monroe Capital Corp.)
LLBT (Lifeline Biotechnologies,Inc.)
MHLI (Marshall Holdings International,Inc.)
MNTY (Market 99 Ltd.)
MODI (Metro One Development,Inc.)
MTPW (MetaPower International,Inc.)
NUBV (Nutripure Beverages,Inc.)
NXHL (Nexia Holdings,Inc.)
PABN (PanAmerican BanCorp)
PHGI (Perihelion Global,Inc.)
PURH (PURE H2O, Inc.)
PXIT (Phoenix Interests,Inc.)
PYCT (Paychest,Inc.)
QEDC (QED Connect,Inc.)
RDYM (Remote Dynamics,Inc.)
RGII (Resource Group International,Inc.)
RMOE (Raven Moon Entertainment,Inc.)
RNVO (Renovo Holdings)
RSMI (Rim Semiconductor Co.)
SHMM (Southern Home Medical Equipment,Inc.)
SKGO (Skybridge Technology Group,Inc.)
SMAS (Somatic Systems,Inc.)
SMTR (SmarTire Systems,Inc.)
SNRS (Sunrise Consulting Grp.)
SPZI (Spooz,Inc.)
SWVC (Seaway Valley Capital Corp.)
TBLU (telcoBlue,Inc.)
THRI (Thresher Industries,Inc.)
TSSP (Trendsetter Solar Products,Inc.)
UCOI (Unico,Inc.)
UDTT (Universal Detection Technology)
USXP (Universal Express,Inc.)
WEHI (WGL Entertainment Hldgs.)
WNSH (Winsted Holdings,Inc.)
WTVN (Wi-Fi TV,Inc.)
XKEM (Xechem International,Inc.)
XTPT (X-Tra Petroleum)
I swear there is 1 person in charge of trading a grip of pinks at the same time.They must have them in a file in groups and do one group a month and then put it on the shelf and don't get back to it for months after.This ticker along with one of my other ones always does the same things on the same days. Both have been stuck at .0001 since around the same week, forever ago and both got to .0002 today. They just make me crazy because the way things were going I didn't think either one would do anything until later this year or March of next year. ( March seems to be a good month for pinks.) That why I'm glad I don't think I have this down to a science because for some of these there is just no algorithm that fits.
No they have a secretary. I just called the number that's listed on pinksheets.com and I got a secretary who said. "Hello this is Rbid.com", I asked her if this was Really Big Ideas Development and she said :( "no". So I hung up and then I thought then what the heck does she think Rbid stands for, so I called back and she says once again sounding eager to assist me "Hello this is Rbid.com", so I say "It's me again I was a wondering what does Rbid stand for?" and she goes "Umm, let me transfer you to Mairead, she can better help you with that." But of course it goes straight to the answering machine so I left a message. Nothing long or demanding just wondering if she could send me an e-mail. But it's funny that they are not really doing anything but still feel the need to keep up the appearance of productivity after all this time. We might get suprised and they may pull something out of there a$$, here soon.
Put Your Money Where Your Mouth Is
I was wondering what the name of the new share restriction rule is so I can take a look at it?
Probably people that are just plain tried of looking at this in their account.
Who bought 16,000,000 right off the top this morning. They most be feeling good this morning.
Preferred Shares.
Typically give holders the right to a fixed dividend before any dividends can be paid to common shareholders. Shareholders may have no voting rights, but special features on redemption or conversion of preferred shares into common shares exist in many cases.
Dividends are generally fixed, but company may reduce or suspend dividends. Capital gains potential is usually less than that of common shares. Conversion and redemption privileges and other special features may enhance potential for price increases.
Moderate to High. Comments regarding common shares apply. Reduction or expected reduction in dividends may significantly impact share price. Tax authorities, employees, and creditors have claim on assets before preferred shareholders in cases of insolvency.
Common Shares.
Represent ownership of a company. Shareholders have the right to elect directors; to vote on certain corporate matters; and to share in any residual assets of the company if it is wound up.
May take the form of dividends or capital gains/losses. Many companies try to pay dividends regularly. Others may not pay dividends at all. Often, return will depend mainly on changes in share price, which can go up or down, sometimes dramatically.
Moderate to Very High. Based on company profitability, financial stability, management capabilities, exposure to economic slumps, foreign exchange, and competition. Common shareholders are last to claim assets in cases of insolvency.
10 Tips to Avoid Investment Fraud
Tip #1 - Check out the Person Offering Investment Deals:
Nevada law requires most securities and the people selling them to be registered by the state. Check them out with the Nevada Securities Division BEFORE YOU INVEST by calling Las Vegas 702-486-2440 or toll-free 1-800-758-6440.
Tip #2 - Beware of High-Pressure Tactics:
Say "no" to any person who pressures you to make an immediate investment decision. You need time to do your own research. Any ethical salesperson will understand this.
Tip #3 - Exercise Particular Caution if You Lack Financial Experience:
It's easy to feel intimidated and overwhelmed by complicated financial jargon. Ask lots of questions and insist that the salesperson explain the investment in every day language until you understand it. Protect yourself by educating yourself.
Tip #4 - Keep in Mind that Good Manners Don't Indicate Personal Integrity:
Con artists are generally extremely polite, knowing that many of us equate courtesy with personal integrity. Swindlers are also counting on your good manners to keep you from cutting them off. Don't let your good manners land you in trouble; simply hang up if you don't like the conversation.
Tip #5 - Watch Out for Salespeople Who Prey on Your Fears:
It is common for swindlers to pitch their schemes as a way to eliminate your financial fears of the future. Remember: fear and greed can cloud your good judgment.
Tip #6 - Exercise Particular Caution if You Are an Older Citizen:
The elderly, and particularly older women, are a frequent target of scam artists. Always seek the advice of a neutral party before investing.
Tip #7 - Monitor Your Investments and Ask Tough Questions:
Insist on regular written reports and look for signs of excessive or unauthorized trading of your account. Constant vigilance is a vital part of being an investor. If you suspect that something is amiss and you get unsatisfactory explanations, call the Securities Division and make a complaint.
Tip #8 - Look Out for Trouble When Retrieving Your Principal or Cashing Out Profits:
If any person with whom you have invested stalls when you want to withdraw your money, you may have uncovered someone who is cheating you. If you are not investing in a fixed-term security, such as a bond, you should be able to receive your funds within a few days.
Tip #9 - Report Investment Fraud or Abuse Immediately, Despite any Embarrassment or Fear You May Feel:
If you suspect you have been victimized, call the Securities Division immediately. The sooner you report fraud, the better your chances of recovering some or all of your investments.
Tip #10 - Beware of "Reload" Scams:
Con artists often use investment losses to scare you into a second scam. To recoup their losses, victims sometimes invest in another scheme (a "reload") in which the con artist promises to make good the original loss - and may offer new, higher returns. Often, the result is only more losses.
Online Investing Tips
Do Your Homework
Yes, it's true that you can now buy or sell stock with the push of a button or the click of a mouse. Many brokerage firms have made the mechanics of online investing as easy as possible for their customers. But the decision to invest - online or off-line - deserves as much care and attention as it always has. Every investment decision should be based on solid research and sound reasons that have stood the test of time for you and successful long-term investors.
Consider The Source Of Any Information You Receive online
The widespread use of the Internet has triggered an explosion in the number of investment information sources. These include an amazing array of bulletin boards and chat rooms. While there are many excellent sources of reliable information, the overall quality of information on the Internet is no better than what’s available off-line. Just as you should regard with skepticism a “tip” from a stranger, you should consider carefully the origins of what you read online. There are two areas of concern here: unintentionally misleading information and intentionally misleading information. Let’s look at unintentionally misleading information first.
Many of the people participating in chat rooms and other online forums are amateur investors. Assume they are less well-informed than you are. Chat-room comments are frequently “seat-of-the-pants” observations based on mere hearsay or worse. Don’t accept such information without question and verification. Remember that the Internet gives you easy access to a large number of reliable information sources: business and financial publications, annual reports, SEC filings, securities regulators, and more.
The other category, intentionally misleading information, has followed investors online. While most Internet users have honest intentions, those who seek to manipulate stock prices- or otherwise part investors from their money- now use bulletin boards and other electronic media in the same way that “boiler room” scam artists have misused the telephone. And whereas even the fastest-talking boiler-room operator would be hard-pressed to make more than 150 “cold call” telemarketing pitches in one day, a fast-buck swindler with access to cyberspace can send e-mail to many thousands of individuals in less than an hour. What’s more, most online computer services do not police their investment bulletin boards. Often, nothing is in place to prevent a con artist from posting one- or dozens- of pitches for a swindle.
Also in the realm of intentionally misleading information are claims made about “inside information,” including pending news releases, contract announcements, and new products. Investment bulletin boards and discussion groups are crammed with hot tips about impending developments sure to send a stock soaring in value. Just because these tips appear in cyberspace does not mean they are exempt from insider trading laws and rules. It is extremely unlikely that genuine “inside information” will be publicly broadcast on an investment bulletin board.
Moreover, do not assume that just because someone says they have checked something out that they have actually done so. online con artists make all sorts of claims about visiting companies, inspecting mining operations, and having personal conversations with company officials. Keep in mind that you may not be able to verify who is making these claims much less whether any of the information is true or the supposed research ever took place.
The rule to remember is to make sure your information comes from a reliable source, and when in doubt, confirm it with a source you know is trustworthy. And don’t forget to first make sure that an investment opportunity and the person promoting it are properly registered with the Nevada Securities Division.
Anticipate Delays & Breakdowns
If you drive during rush hour, shop during the holidays, or try to see a new blockbuster film the night it opens, you have experienced the downside of using a system at “peak capacity.” The Internet, although often called the “information superhighway” for the speed with which users can move across it, is no more immune than the off-line world to the inconveniences of such gridlock. When market activity reaches a fever pitch, you may experience the same difficulty accessing your account online as you would in reaching your broker by phone.
Moreover, there may be times when, for a variety or reasons, you cannot access your broker through the Internet, either because the broker’s online interface “goes down” or because your Internet provider or telephone company is experiencing problems. Discuss with your brokerage firm in advance what alternatives are available to you during those times, what the typical wait time is likely to be, and what your costs will be. For example, some firms will execute trades at online rates if the system goes down. Others may charge higher rates for telephone orders. Always be prepared to use a live broker or a touch-tone telephone system to place orders and get quotes.
Have A Plan For Dealing With Volatile Markets
Sometimes stock prices move so fast that order executions lag behind the fluctuations in price. This phenomenon may affect a single stock, a group of stocks, or occasionally the entire market. When these conditions occur, the prices you see on your computer screen may not accurately reflect the prices at which shares are currently changing hands. Keep in mind that the most common type of order- a market order to purchase or sell- will be filled regardless of the current price. A limit order is an alternative to consider when market prices are fluctuating. A buy limit order establishes a limit to how much you are willing to pay for a stock. If the stock price has risen past that point when you place your order, the order will not be filled. But, by setting a limit, you are establishing a cap on the upside price you will pay for that stock.
Likewise, a sell limit order establishes a floor, or lowest level, on the price you will accept when you sell. However, using a limit order to exit a position poses risk. If the market is falling rapidly, it might bypass your sell level, and there is no way of knowing when you will get another chance to sell at that price. For this reason, some professional investors favor sell stop orders.
A sell stop order is placed below where the market is trading. If the market declines to that level, an order to sell at the current market price is triggered. With a sell stop order, therefore, your order will be executed if your specified price is reached, although there is no guarantee what your selling price will be.
Knowing how to use limit orders, stop orders, and other kinds of orders- and the costs and risks associated with each- will help you navigate through volatile periods.
Avoid Risky Techniques
online trading gives you many of the advantages previously enjoyed by professional investors, including unprecedented access to information, analytical tools, and other execution capabilities.
These enhanced resources may appeal to people who want to trade on short-term movements in stock prices. This strategy is extremely risky and requires a serious, ongoing time commitment. Day trading, in particular, requires constant monitoring of the markets, often to the exclusion of other activities.
Investors are wise to stay away from thinly-traded, little known stocks sold strictly on the basis of online hype. These are the stocks most susceptible to manipulation. Unlike blue chips or stocks with a substantial number of shares available, the price of low-volume stocks can be moved through relatively small strategic trades. This is why online hype usually involves previously unknown securities, often for companies involved in mining or the world of high-tech. Even if the hyped stock starts to edge up, this may just be part of the manipulation scheme.
It is the rare person who is equipped, financially and psychologically, to really “trade like the pros.” The rest of us should view online investing as a tool for helping us to execute a long-term investment plan more conveniently and efficiently. If you did not employ strategies such as market timing or momentum investing before, do not start now merely because you have begun investing electronically. online capabilities might simplify- but should not fundamentally change- the way you invest
Realize online Investing Requires You To Be Self-Directed
The best way to avoid the pitfalls of online investing is to learn all you can about the process and take responsibility for your own results. Remember, if you are not consulting with a financial professional, the ultimate investment decision rests with you, the investor.
With online investing, it is harder to deny the consequences of your investment decisions because you take charge of not only the decision-making process but also the mechanical aspects of your trading. You will have to decide whether information is trustworthy and reliable. And there is no one to ask you if you really meant to buy when you gave the order to sell. There’s no one to stop you from purchasing twice as many shares as you intended because you placed a duplicate buy order when the confirmation for your first order was delayed. In this way and many others, online investing removes one last check point between you and the markets, and it is up to you to fill the gap.
The online environment gives you an array of excellent tools for investing and often lowers the costs of your investment program. In exchange, it requires that you take an active role in managing your investments and in protecting yourself and your money from scam artists. If you are ready for that challenge, online investing might be an option for you.
Stocks
What they are
Stock represents ownership of a corporation. Stockholders own a share of the company and are entitled to a share of the profits as well as a vote in how the company is run.
How earnings are made
Company profits may be divided among shareholders in the form of dividends. Dividends are usually paid quarterly. Larger profits can be made through an increase in the value of the stock on the open market.
Advantages
If the market value goes up, the gain can be considerable.
Money is easily accessible.
Disadvantages
If market value goes down, the loss can be considerable.
Selecting and managing stock often requires study and the help of a good brokerage firm.
Smart uses for your tax refund
By Jason Alderman
Each year, roughly 70 percent of Americans get an income tax refund. Thanks to the Economic Stimulus Act of 2008, beginning in early May most also will receive an additional tax rebate check of up to $600 (up to $1,200 for joint filers) - even those who don't earn enough to owe federal income tax.
A survey commissioned by Visa Inc. found that roughly the same number of people plan to use their tax refund to pay bills (43 percent) as to contribute to savings (45 percent). Others said they'll use it to make a major purchase (9 percent) or pay their rent or mortgage (3 percent).
Although the money may be burning a hole in your pocket, here are a few possibilities to consider before rushing off to the mall:
Spend wisely. If you want to reinvest part of your refund/rebate back into the economy, consider spending it on necessities that will save you money in the long run. For example, servicing your car helps it run more efficiently and last longer. And weatherproofing your house or buying energy-efficient appliances can significantly lower utility bills.
Pay off debt. When you carry forward credit card balances, interest charges can really add up over time. For example, making only the minimum monthly payment (assuming 4 percent) on a $1,000 balance could add seven years until payoff and more than $500 in additional interest for a card with 18 percent interest - assuming you don't make any new purchases.
Save for emergencies. It's wise to set aside three to six months of living expenses to cover job loss, unexpected medical expenses or other unplanned events. With interest rates dropping, shop for deals on high-yield money market savings accounts or short-term CDs at www.bankrate.com.
Save for retirement. The longer you delay, the harder it is to catch up on retirement savings. Open or add to an existing Individual Retirement Account or 401(k) plan. Practical Money Skills for Life, Visa's free personal financial management site, contains detailed retirement financial planning information, including tax ramifications and interactive retirement savings calculators (www.practicalmoneyskills.com/401k).
Finance education. Strengthen your career prospects and earnings potential by adding new skills through college courses or vocational training. Ask if your employer will kick in for job-related education.
You can also set money aside for your children's or grandchildren's education - while saving on taxes - using a 529 Qualified State Tuition Plan or Coverdell Education Savings Account. The U.S. Securities and Exchange Commission's website provides information on 529 plans (www.sec.gov/investor/pubs/intro529.htm) and the IRS's site explains Coverdell accounts (www.irs.gov/taxtopics/tc310.html).
Fund your vacation. Set money aside now so you won't need to rack up debt while on vacation.
Give to charity. Don't wait until year's end to make charitable contributions - a time when holiday expenses compete for available dollars. Try making part of your donations using tax refund money.
Don't overpay taxes. By getting a large tax refund, you're essentially giving the government an interest-free loan throughout the year. Ask your employer's benefits department for a new W-4 form and recalculate how much is being deducted each pay period. Your goal should be to receive little or no refund. Consult a financial professional about your particular situation; if you don't know one, www.plannersearch.org is a good place to start your search.
Sure, it's tempting to blow your whole tax refund on the latest gadget, but try to invest most of it in your long-term future financial security.
--------------------------------------------------------------------------------
Jason Alderman directs Visa's financial education programs. Sign up for his free monthly e-Newsletter at www.practicalmoneyskills.com/newsletter.
In the last week this has traded 73,000,000 shares with not a peep from anyone so someone still has there eye on this and thinks it's about to do something. The fact that it's trading at all gives me hope for the future. There are many that haven't traded on share since BHUB was trading and you know that's been awhile.
Winsted Holdings inc.
I going to through this one out there just for kicks. I am not the best at trading but for some rason this one just gives me that feeling. It' hasn't been doing much lately but is still trading with fair amount of volume within the last couple of weeks. The CEO has been very quiet and there has not been much buzz at all. If you try to do DD you will find a little on your own but not much. Why I through this one to the masses I wonder myself but I like this one for some reason.
http://investorshub.advfn.com/boards/board.aspx?board_id=5386
Gulf Coast Oil & gas Inc.
I know anyone who is always looking for that next big thing is looking for an start up oil company right now because of the increase in oil prices over the last week. I'm sure this week that is all people will be taking about besides trying to figure out who there going to carpool with. I have done a little DD on this one on my own and have found a few gray areas, that I feel need to be made black and white but other than that this one looks like a good one to through a couple dollars at to see what it does. I'm not saying morgage the house I'm saying a good amount of money that you won't miss.
http://investorshub.advfn.com/boards/board.aspx?board_id=4549
Put Your Money Where Your Mouth Is
Market99 LTD
While some people are very sciptical about this one I see promis in it if the CEO plays his cards right. It will be hard for him to meet the investors expectation in the short run but I believe that in the long run it will be worth the wait to invest a little into this and see where it goes. Just because of the nature of the company I don't see it doing Walmart numbers but the way society is going these days I could see them doing really well.
http://investorshub.advfn.com/boards/board.aspx?board_id=6388
Put Your Money Where Your Mouth Is
S3 Investment Company Inc.
SIVC is looking to have some potiential. Actually it is very hot right now. Alot of perdictions being made for this upcoming week so this one might not need as much patients as some others.
http://investorshub.advfn.com/boards/board.aspx?board_id=2820
Put Your Money Where Your Mouth Is