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I like the plausibility on your ' take ' , Libra .
I like it a LOT !!
Renee
Glad you could relate , No190ne88 . Thanks !
Reply : You require a speculative answer which I cannot provide . By logical reasoning Heritage has cause to believe that the Company will be successful in 2008 and are therefore proceeding to be audited .
It is a costly expenditure to be audited , a process that Heritage is taking as the Company evolves beyond their embryonic stages of development to an anticipated , self-sufficient entity and a bonafide public Security .
To me that implies blue skies ahead for the Company and for the stock .
As I see it .
Renee
Observations : There are literally dozens of OTC / Pink Sheet stocks the past few weeks ( and months ) that have been touted to be the next big thing to revolutionize something . Over the last few days I have observed many of those stocks losing up to 90 % of their value , creating monstrous losses for those who bought into the hype . Out of courtesy to other well-known I-HUB members who have collectively lost vast amounts of money I won't name those stinker stocks .
The major complaint expressed by message board posters on those Davey-Jones Locker stocks is the complete absence of trustworthy transparency by the respective companies . Typically those companies put out earth-shattering news releases that are essentially intended to dupe investors into buying stock regardless to investors' untenable losses .
No-one has any certainty with HCPC , but at a measly .0002 cents it sure seems worth the wait for a little while longer to hopefully witness the advent of audited financials and auditor reviewed 1st quarter financials . *** Predicated on Heritage following through on that crystal clear commitment .
It would be presumptuous to authoritatively state that HCPC will be different than all the other LOSER OTC stocks that are fleecing hundreds of investors .....but .....those cotton-pickin audited financials for HCPC are a VERY BIG STEP in the right direction . Funding those loans is another VERY BIG STEP in the right direction , irrespective to their funding origination commissions .
' Shirley ' this group of posters on this board from both stripes of opinion could wait 5 more teensy weeks to see IF HCPC really is a different Pinkie .....to see IF Heritage is an ethical and competent company ....and to see IF HCPC is a stock that MAY see higher valuations on the magic of PROOF , PROOF , PROOF .
No amount of negative opinions expressed on HCPC will have a crumb of effect on the stock's PPS IF / WHEN HCPC transcends from a stinky pinky to a respected , FULLY REPORTING , Audited , OTC Security .
No more infighting , s'il vous plait . Simply WAIT and be glad you're not in one of those other stocks that are tanking like an anchor , and hope like the dickens that HCPC really does follow through with trustworthy transparency .
Renee
Members : The ignore feature of I-HUB is intended for those who do not want to see another member's posts . However , readers will see all other posts that reply to your ignored member(s) so it becomes a personal decision to open the replied-to post or to scroll by .
For everyone's information , most of the post deletions by moderators , the Mod Squad , or Admin on this board are of retaliation posts against incompatible posters . In this case when one member cannot resist the temptation to post an inappropriate post to another member then it would be in the best interests of THIS board to place those members on ignore .
As one member just posted , it is EVERYONE'S right to post whatever opinions they want , regardless to the unpopularity of that poster's opinions , and as long as those posts adhere to
I-HUB's Terms of Use .
Renee / A.Mod
" I wish CEOs went by MY timeline , lol . " . Ain't dat the truth .
To better days for CIRT !
Agree , Disquisition , as this happens with all stocks that have a declining PPS , with the buzzards circling only until a stock shows life ....then they buzz off .
HCPC will show life and the buzzards will find another carcass
to circle . Beats me why they do dat , but each to their own
I s'pose .
Audited Financials and auditor reviewed first quarter fins begins a new era of company legitimacy and corporate credibility .
Good post !
Renee
I agree , Monkish , amazingly well said , MC6102 .
Weight loss is an obsession so the CelluBike should be a resounding success just on the fad factor alone , and hopefully because the contraption works .
The stock will react in direct correlation to the success of the CelluBike .
Worth the wait for me .
Renee
Yes , task oriented , Fotog . I do not know the answer nor do I engage in speculation .
To those who have remained task oriented on HCPC I extend my respect to you .
To those who can not or will not ....my disdain .
Renee / A.Mod
A. Mod now online . Mimurray , totally agree with your assessment , particularly the known information that insiders own over 1.5 billion shares and they have a vested interest in doings things right .
R.
I thought the part about ' contrite retraction ' was a hoot .
To paraphrase the Good Book , I think it would be easier to stuff a camel through the eye of a needle than for the swarming eunuchs to show contrition about HCPC .
Thanks , Elis , Sharga , Rizzo for the support .
Renee
To those who repeatedly refer to HCPC as a " POS " and / or a
" SCAM " , the SEC has apparently been on the war-path against fully reporting OTCBB and non-reporting OTC Securities that are deficient in enough areas to warrant a trading suspension or halt . I count 72 suspensions / halts .
One would be entitled to believe the SEC has determined that Heritage Capital Credit Corp is a legitimate company and also that HCPC is a legitimate Security .
It is outrageous to read " POS " & " SCAM " posts by a tag team swarm on HCPC when the SEC has deemed otherwise !!!!!!!!!!!!!
The negative obsession on HCPC and on shareholders who own this stock defies even basic human decency towards others .
Upon HCPC vindicating themselves with material event PROOF
I expect contrite retractions from the swarm members .
AZZZZZZZZZZ IFFFFFFFFF that would happen ....oh my ....I cracked a funny .
9 halts today : *** No HCPC on that list .
http://www.otcbb.com/dynamic/marketwatch/mwsubhome.stm
63 halts in the last 4 months : *** No HCPC on that list either .
http://www.otcbb.com/dynamic/marketwatch/tradehalthistory.stm
Will do . Thanks , Ruellit . EOM .
An antagonistic poster has a signature that defines their agenda , that is : " People ask why I post negatively about a stock after I have sold it. The answer is simple: There are some people I don't like and I want them to lose money. "
I have noted other similar types of signatures in other posters'
profiles .
I also note that a flurry of retaliation posts ensue because of those inflammatory signatures .
Question : Shouldn't signatures also comply with I-HUB's T.O.U. ?
Renee
My privilege to be boardmark number 78 . This type of board is long overdue . I will recommend it whenever I see a poster whose market comprehension is inadequate .
Renee
I doubt that anyone would contest that HCPC shareholders are relying on the professed integrity and corporate competence of the Company and their B.O.D. .
Wouldn't that also apply to fully reporting OTCBB , Sarbanes Oxley compliant companies that have a choice to be ethically and competently responsible to their shareholders ? Many of them are not , and the shareholders of those hundreds of fully reporting companies have lost much or most of their investment .
HCPC either does it right or they don't . I am personally hoping that the audited financials spanning two fiscal years are an indication of higher aspirations than to fleece public investors at two one hundredths of a cent ( .0002 ) or less .
Wouldn't that water well have been siphoned off already ?
Is it not plausible that the company would have an extremely difficult time trying to siphon any more if indeed they are as tantamount to a scam as you and other prevaricators imply ?
I really could understand the sanctimony if HCPC has a another run without any corporate fundamentals being verified , but sour grapes beforehand is unfairly premature , again because the stock is at .0002 . Sour grapes because of the unsupported previous run to .0006/7 would certainly be understandable , but recognizing that EVERY investor in OTCBB and OTC System stocks has lost money before HCPC came along , the negative fixation on HCPC is really disproportionate to the multiple hundreds of other sewer stocks out there at this very moment .
I hope there is equal amounts of contrition to the amounts of righteous indignation with this stock , should the company fulfil their stated objectives .
I'm guessing I would turn purple holding my breath .
Breharb : Unaudited financials will be released upon an
" auditor review " , which IMO can only happen after the 2006 and 2007 audited fins have been completed .
The 1st quarter fins MUST correlate to previous full year audited fins .
I wrote two posts on the matter , for your perusal .
http://investorshub.advfn.com/boards/read_msg.asp?message_id=28587995
http://investorshub.advfn.com/boards/read_msg.asp?message_id=28587995
BonJour and how the heck are ya , Monkish . Yup ....it certainly appears that CIRT could have a bright future .
Let me know if you get your feet wet .
I'm up to my waist , LOL .
Renee
Nice start to the day , Glassoto , and we know that Cardio Infrared has a likely foothold in the U.K. and Europe .
http://biz.yahoo.com/pz/071105/130527.html
Cardio Infrared Technologies Expands Into Europe
Monday November 5, 9:45 am ET
LAS VEGAS, Nov. 5, 2007 (PRIME NEWSWIRE) -- Cardio Infrared Technologies, Inc. (Other OTC:CIRT.PK - News) announced today it has secured the rights to market the Infrared CardioCor Exerbike into all areas of Europe. After intensive discussions with current manufacturers and vendors and based entirely upon Cardio Infrared Technologies, Inc. sales and support history in the United States the Manufacturer has granted CIRT the marketing rights to all of Europe.
A group from the United Kingdom has approached Cardio Infrared Technologies, Inc. to be a part of the sales and distribution for Europe. CIRT is pursuing a joint venture with this group and is expecting to begin European distribution in early 2008.
Wayne Bailey, President and CEO of Cardio Infrared Technologies, Inc., commented, ``CIRT is committed to expanding its sales and marketing throughout all of North America and internationally. The discussions with suppliers and potential International partners have been very fruitful and positive.''
Glassoto ....now that your peepers are wide-awake open I look forward to more treasures that your sniffer uncovers .
My dog Beans keeps his nose to the ground and he finds lots of treasures ....hahaha ....but that's another story .
CelluBike will share in the enormously lucrative business of weight loss .....the industrialized world's obsession .
And to think that I struggle to keep weight on and maintain 100 lbs ....maybe I walk the dog too much , LOL .
Lots of diets and weight loss techniques are fads , as over-weight people will literally try ANYTHING to lose weight . I imagine that CelluBike could easily become the next fad as the next best thing to lose weight . Now , if it really , really , really works and the Media favorably reports on the success stories , well , imagine the intense interest by every Health Spa in nations around the world wanting a CelluBike or two .
Now , imagine the effects on the stock price as CelluBike assuredly becomes the next fad , and hopefully becomes a guaranteed method to not just lose weuight but to keep the weight off .
Stock risks should be quite low . Stock rewards should be quite high .
As I see it .
Mega thanks , Mary Kate . Your attention for annotations is
appreciated .
Now investors need rock solid material event news to return this stock to a much higher baseline .
Renee
Glassoto ...you're a DD pit-bull . Terrific data on the
amazing CelluBike .
You have a fan !
Renee
One of your finest posts on this board , Mimurray . It shall be periodically reposted .
Laser beam message .
Renee
Assistant Mod now online . EOM .
Cahalane : You have my respect as well .....and a nice cyber friendship off this board .
It will be a sad day in Tipperary ( sp ? ) if ANY one of your
prognostications comes true .
That's why I include ' fingers crossed and a few Hail Mary's won't hurt either ' , with regards to Heritage's corporate integrity and competence .
As I shared with a fellow person via P.M. if HCPC was at
.0004-ish cents it would not be imprudent to downsize one's holdings to safe levels , but at a measly .0002-ish cents even a MOMO run would make the reward greater than the risk ....and , IF IF IF the company demonstrates fiduciary ethics and competence with verifiable fundamentals then the rewards will be much greater than the current risk factors .
So , this lass will hold for the MOMO and / or the fundamentals .
Renee
I also have positive anticipation that Heritage is attempting to gain " respectability " .
It starts with unimpeachable integrity in ALL things . If or once that is confirmed , well , shizzam , the stock will also gain some respectability .
Fingers crossed and a few Hail Mary's won't hurt either , LOL .
Exactly , Monsieur Chefdujour , OTC / Pink Sheet companies don't have to provide ANY financial information whatsover .
The Company certainly isn't auditing 2 full years of operations and submitting the 1st quarter unaudited financials for a cursory " audit review " for the ungrateful shareholders who are like a pack of chihuahuas biting their heels .
No-siree-bob , the company has a higher , corporate objective for undergoing a microscopic audit .
Shareholder will find out in due course what those objectives are .
In the meantime , shareholders can run in circles chasing their tails and howl at the moon OR they can confidently recognize the magnitude of full AUDITS and have a mustard seed grain of faith . It's a choice .
Glad to share the vision with you , Cheffie .
Renee
TGIF , and good mornin' , EltonFan and VeniceDan , and the many readers of this board today .
Per your request , LottoVet :
Posted by: seabiscuit
In reply to: UtahUranium who wrote msg# 49767 Date:4/8/2008 10:48:11 PM
Post #of 52226
To clarify , UtahUranium , fiscal year 2007 for HCPC will be audited , whereas quarterly financials are not typically audited for any stock on any Exchange or System .
Still , because 2007 Fins will be audited for HCPC it can be presumed that fiscal year 2008 will also be audited some time after December 31st , 2008 . Therefore all quarterly financials for HCPC during 2008 ( and each year thereafter ) must be 100 % accurate to rigorous standards so that there are no contradictions , omissions , or other salient material differences in the subsequent , audited yearly fins for each fiscal year .
We can be confident that HCPC's upcoming 1st quarter unaudited financials will meet the criteria necessary for their fiscal 2008 audited Financials .
Agreed , Zambia , however , CEO W.Bailey must calm investors apprehensions over the increased A/S by publicly stating his full intentions for the 5 bu-bu-bu-billion authorized shares , irrespective to the current , very reasonable float which investors would justifiably fear could balloon to unreasonable heights .
I have contended for years that shares used for accretive assets , like buying a couple of dozen CelluBikes fer instance , or buying acquisitions that have FAIR value to the amount of shares used , that the conversion of A/S to O/S is GROWTH oriented and not necessarily dilutive to the ASSET VALUE of the stock .
I also have contended that increased A/S which are intended for operating expenses , enrichment warrants to insiders , or toxic financings with pariahs such as Cornell / Yorkville Advisors are extremely dilutive to the DEPRECIATED VALUE
of the stock .
Bailey must declare his intentions for the increased A/S or unfortunately the latter perception by stock investors will prevail on the rightfully distrusted OTC System .
Can't drop a bomb without expecting fallout . Bailey should know that . If the bomb is a dud and can be explained then he needs to do that forthwith and toute-de-suite .
And a TGIF to you , Dcon . Members can see the most active boards by clicking on the ' HOT ' icon at the top of each page .
http://investorshub.advfn.com/boards/hot.asp
Thorough , big-picture post , Neil . EOM .
For a .0002 stock there sure is a lot of reader interest : HCPC
is #5 with ~ 28,000 reads of this board .
Most Read Boards Yesterday
Rank Board Reads
1 Enzyme Environmental Solutions, Inc (EESO) 66291
2 InterDigital Communications (IDCC) 59231
3 Ulysses Holding Corp (UHCR) 45062
4 Seaway Valley Capital Corporation Inc. (SWVC) 36189
5 Heritage Capital Credit Corporation (HCPC) 27981
6 Cardio Infrared Technologies Inc. (CIRT) 24363
7 Deep Down, Inc. (DPDW) 24272
8 Aquagold International (AQUI) 23024
9 Axion Spatial Imaging, Inc. (ASII) 18141
10 THE NEXT LOTTO and INTRADAY PLAYS 15983
11 BB's Stock Haven 15412
12 ERHC Energy Inc. (ERHE) 15050
13 Sarissa Resources, Inc. (SRSR) 14138
14 Revenge Designs (RVGD) 12168
15 Hemi Energy Group (HMGP) 11404
16 Wealth University 11086
17 Good Life China Corporation (GLCC) 10480
18 Wave Systems (WAVX) 9478
19 Planet Nutrition (PNHL) 8570
20 Winning Brands Corporation (WNBD) 7971
21 Bederra Corporation (BDRR) 7947
22 Value Microcaps 7765
23 DealerAdvance Inc. (DLAV) 7759
24 MENS ROOM 7642
25 Charts are Coooool 7610
26 DAYTRADER'S FORUM 7610
27 Zeev's Turnips Patch-No Politics (ZEEV) 7221
28 Iraqi Dinar Discussion Board (IQD) 7203
29 ajtj99's Market Pulse 7201
30 Advanced Content Services (ADCS) 6890
31 Hall of Fame Beverages, Inc (HFBV) 6536
32 XECHEM INTERNATIONAL, INC (XKEM) 6500
33 Expert Group, Inc. (EXPT) 6193
34 NeoMedia Technologies (NEOM) 5987
35 JC Data Solutions, Inc. (JCDS) 5928
36 Aurus Corp. (AURC) 5878
37 Bill Panetta SmallCap Trading Techniques 5795
38 One Voice Technologies, Inc. (ONEV) 5371
39 Bancorp International Group Inc (BCIT) 5315
40 Blackout Media Corp (BKMP) 5092
41 The Golden Lounge (TGL) 5075
42 CMKM Diamonds Inc. (CMKX) 5047
43 SPY Technical Analysis 4968
44 Market 99 Ltd (MNTY) 4814
45 Aero Performance Products Inc (AERP) 4789
46 ETERNAL IMAGE INC (ETNL) 4766
47 ReelTime.com (RLTR) 4713
48 Zeev's Turnips Talk Politics (ZTTP) 4378
49 Solos Endoscopy (SLSY) 4215
50 OTCBB ALERTS 4184
Doc ....lots of people are watching CIRT : #6 with 24363 reads .
Most Read Boards Yesterday
Rank Board Reads
1 Enzyme Environmental Solutions, Inc (EESO) 66291
2 InterDigital Communications (IDCC) 59231
3 Ulysses Holding Corp (UHCR) 45062
4 Seaway Valley Capital Corporation Inc. (SWVC) 36189
5 Heritage Capital Credit Corporation (HCPC) 27981
6 Cardio Infrared Technologies Inc. (CIRT) 24363
7 Deep Down, Inc. (DPDW) 24272
8 Aquagold International (AQUI) 23024
9 Axion Spatial Imaging, Inc. (ASII) 18141
10 THE NEXT LOTTO and INTRADAY PLAYS 15983
11 BB's Stock Haven 15412
12 ERHC Energy Inc. (ERHE) 15050
13 Sarissa Resources, Inc. (SRSR) 14138
14 Revenge Designs (RVGD) 12168
15 Hemi Energy Group (HMGP) 11404
16 Wealth University 11086
17 Good Life China Corporation (GLCC) 10480
18 Wave Systems (WAVX) 9478
19 Planet Nutrition (PNHL) 8570
20 Winning Brands Corporation (WNBD) 7971
21 Bederra Corporation (BDRR) 7947
22 Value Microcaps 7765
23 DealerAdvance Inc. (DLAV) 7759
24 MENS ROOM 7642
25 Charts are Coooool 7610
26 DAYTRADER'S FORUM 7610
27 Zeev's Turnips Patch-No Politics (ZEEV) 7221
28 Iraqi Dinar Discussion Board (IQD) 7203
29 ajtj99's Market Pulse 7201
30 Advanced Content Services (ADCS) 6890
31 Hall of Fame Beverages, Inc (HFBV) 6536
32 XECHEM INTERNATIONAL, INC (XKEM) 6500
33 Expert Group, Inc. (EXPT) 6193
34 NeoMedia Technologies (NEOM) 5987
35 JC Data Solutions, Inc. (JCDS) 5928
36 Aurus Corp. (AURC) 5878
37 Bill Panetta SmallCap Trading Techniques 5795
38 One Voice Technologies, Inc. (ONEV) 5371
39 Bancorp International Group Inc (BCIT) 5315
40 Blackout Media Corp (BKMP) 5092
41 The Golden Lounge (TGL) 5075
42 CMKM Diamonds Inc. (CMKX) 5047
43 SPY Technical Analysis 4968
44 Market 99 Ltd (MNTY) 4814
45 Aero Performance Products Inc (AERP) 4789
46 ETERNAL IMAGE INC (ETNL) 4766
47 ReelTime.com (RLTR) 4713
48 Zeev's Turnips Talk Politics (ZTTP) 4378
49 Solos Endoscopy (SLSY) 4215
50 OTCBB ALERTS 4184
Ho-Hum ....another un-necessary reminder : Posters are required to write about the stock and NOT about other posters , even in a broad reference .
As your Assistant Mod ,
Renee
Seems to be a lot of unfounded anxiety on the delay of the 1st quarter financials being released AFTER the 2006 and 2007 audited financials are released .
All the persons who are having lower abdomen problems over this delay , I ask you ( rhetorically , of course ) , WHAT do audited financials report ?
Answer : Audited Financials are a microscopic analysis of ALL facets of a company's operations , and the first established audited financials sets an originating BASELINE of that company's operations , from which ALL subsequent unaudited quarterly and subsequent audited yearly financials MUST MUST MUST be in direct correlation to the previous audited financials and the originating baseline , that being 2006 .
Okie dokie , now let me ask ' are you smarter than a fifth grader ' type of question .
Does the cart go in FRONT of the horse or BEHIND the horse ?
Answer with applicable translation : The 2006 auditing baseline must occur first . The correlated 2007 year audited financials comes second . The 1st quarter 2008 financials MUST be reviewed by the auditors to ensure correlation to the previous 2 years audited financials . And so on , and so on for EACH quarterly and each yearly financials that MUST correlate to the previous AUDITED / auditor reviewed financials .
I certainly don't want to be condescending to those who don't get it ....but I am scratching my noggin as to why some don't get it .
Imagine the maelstrom of panic and outrage if Heritage released the 1st quarter fins without an auditor review and there were discrepancies to the audited financials .
Renee
TWO loans are purported as closed and funded during the FIRST quarter 2008 .
With 2006 and 2007 Financials being audited it is absolutely mandatory that the 1st quarter unaudited financials have an
" audit review " to ensure there are NO omissions , NO false statements , NO inaccuracies whatsoever , and FULL compliance to auditing standards for the 2008 formal audit released in 2009 .
ALL subsequent quarterly financials in ALL forthcoming years will have an " audit review " for the same purposes of being 100 % accurate for the next years formal audit .
Particularly when we are to understand that 2 loans were consumated during the 1st quarter . Just wait until the BIG loan is consumated during the 2nd quarter ....every T must be crossed and every I must be dotted in every context .
Imagine for just one cotton pickin minute that Heritage released the 1st quarter fins WITHOUT the " auditor review " and then in 2009 it is discovered that there were inaccuracies . Such errors are typically catastrophic to ANY company's share price , whether they are listed on the NYSE , Nasdaq , Amex , or the OTCBB , OTC Systems .
Personally I am greatly relieved that the ist quarter fins will receive an " audit review " . Not being reviewed was my biggest apprehension about this stock , had the company put out the 1st Q fins BEFORE the audit(s) .
Really , quite a simple concept to comprehend .
So ....COMPREHEND IT !
Renee
You're making me dizzy , Glassoto , and I like it .
Keep 'em coming .
You are an amazing DD hound , Glassoto . I am quite impressed with the exposure for CelluBike .
Thanks !!!
Renee