Money and Shares

How To Buy Low Smartly When It Comes To Stocks

How To Buy Low Smartly When It Comes To Stocks

Buying stocks at the bottom is an important part of a person’s stock portfolio. This is a strategy and a mindset that you need to take on.

What do we mean by stocks?

Stocks are investments. They are bought and sold in a bid to make money. There are two types of stocks – those representing ownership in a company and those representing a debt obligation.

Stocks are a financial instrument that allows us to invest in a company and receive a share of its profits in exchange for a small investment. It’s a way of making a profit while saving your money and making a profit. There are various types of stocks, and they can be divided into two categories. Common stocks are the most common and are issued by the businesses that are publicly traded on the stock market.”

Stocks are a useful tool to help you make money and build wealth. However, they are a tricky thing to get right. Many people end up losing money by buying high and selling low. There are a lot of different rules and strategies when you buy and sell stocks, which makes it hard to get a good overall idea of what you should be doing.

Here’s how to buy low smartly when it comes to stocks:

  • Select companies, not stocks

It’s easy to get caught in the stock market, chasing after hot stocks and big gains. But, when the market takes a dive and prices start to fall, things could get ugly. To help you pick stocks when the market is moving this way, take a look at the top companies and compare their price movements with their earnings over the past ten years.

  • Examine emotions at the door

As you go about your day, you see a lot of things that you may not even notice. But just because you don’t notice it doesn’t mean it doesn’t exist. And just because you see it doesn’t mean that you should act on it. That’s the value of emotions. Even if you can’t explain them on paper, you must keep them in mind in every situation, every day.

  • Plan beforehand in case of emergency

With all the doom and gloom in the world today, it’s hard to feel good about the financial markets. The stocks that are performing are not the ones making headlines, and many people are losing faith in the markets. As a result, many have turned to investing in mutual funds and Exchange-Traded Funds (ETFs).

  • Grow stock positions with less risk

As an investor, you have a few options when it comes to buying stocks. You can buy shares of a company through an exchange, you can buy shares directly from a company, or you can purchase options that allow you to buy shares in the future at a certain price. However, there is another way to invest in stocks: a “put” trade. In this type of trade, you agree to sell shares of a certain stock at a certain price at a certain point in the future. For example, you may agree to sell your shares of XYZ stock at $1.50 on May 1, 2022.

  • Keep away from trading overactivity

Whether you are a novice investor or an expert, you must know how to invest in stocks. It must be a part of your regular investing routine, but there are many things that you need to take into consideration. One of them is to avoid over-trading. You should never be forced to sell at a loss. Let’s say you’re an avid stock trader. Do you think you can simply trade more and get better results? That may be true, but that doesn’t mean you should trade more. It is possible to take good trades, but it is also possible to take bad trades. And if you are trading more, you are more likely to take bad trades. The trick is to find the right balance of trading.

The key is to buy stocks of the right company at the right time. This is the best time to buy as the company might have good fundamentals and a solid future.

Posted by David Presutti in Money and Shares, 0 comments
Understanding Stock Charts

Understanding Stock Charts

When you hear someone talk about the stock market, they don’t usually tell you what they are talking about. They often talk about what’s happening or where the stock is heading, and that’s about it. Many people don’t even know what a store is or what it does.

These days, following the market, can be a full-time job. This is because the needs are constantly changing. Every day the markets are open; new data points and new information can affect the stock price. This means that the stock market can change rapidly, and it is easy to get caught off guard. However, even though the market is volatile, some basic rules can help you see the bigger picture. These rules are often based on the (pardon the pun) fundamentals of how a stock market works.

A stock market is complicated, and understanding how it works can be a daunting task for the average person. This is a guide for people who want to know how the stock market works.

The humble ‘stock chart’ is one of the essential tools any investor can use to stay ahead of the market. Charts help you see the overall trend of a stock and help you see how it has been performing over time. Plus, the information you get from a chart can often be a lot more helpful than a standard stock quote. The other side of a stock chart can be based on different sources, such as the last earnings report, technical indicators, and even the news.

Basic stock chart terms to know

You should know specific terms to help you understand what you are looking for and what you need to look out for when investing in the stock market.  You will hear these terms in the news and read them in financial magazines and newspapers all the time.  These terms are essential as they give you a better understanding of the stock you are looking at.

  • Open, high, low, and previous close – The stock market is the biggest trendsetter of all time. Companies raise money to start new ventures and expand their business. The stock market can also predict the future, which is why many people are interested in keeping a close eye on the financial markets. However, it can be hard to understand the technical terms and jargon in the stock market.
  • Market cap – Before diving into the stock charts, we must first understand the basic terms associated with them. One of the most important terms is market cap. Market cap is the total value of all the stock in a particular company. The market cap of a specific stock is usually calculated by multiplying the number of outstanding shares of the stock by the price of the stock.
  • PE ratio – Share price to earnings ratios (or P/E ratios) are generally the best metric for evaluating an investment’s expected return. Investors often call P/E ratios one of the key indicators of a company’s financial health. In most cases, a lower price-to-earnings ratio means that a stock is undervalued, and thus, a good investment.
  • Dividend yield – All investing requires some technical knowledge, and understanding the basic terms used by stock charts is important. Dividend yield describes the annual dividend paid to shareholders, expressed as a percentage of the shares outstanding. Understanding the yield of a stock can help deepen an investor’s understanding of the company and its business model.
  • 52-wk high and low – Basic stock chart terms to know: 52-wk high and low. When you look at a stock chart, the first thing you’ll notice is how different it is from the typical graph. Most stock charts are based on a logarithmic charting method. The vertical axis represents the number of points in a range (i.e., how many points are above and below the value), and the horizontal axis is the date.

Perhaps there is nothing more important to investing than understanding how the stock market works. Understanding basic terms used in charts is a good place to start.

Posted by David Presutti in Industries Talk, Money and Shares, 0 comments
How Do Business Loans Work?

How Do Business Loans Work?

Business loans allow businesses to start up or can help with cash flow while they are running. They are also a good way to make a business venture profitable. However, there are some things a secured business loan means. First, a business loan is not a business transaction. It is a loan. Second, even though the business will have access to the money, the loan is an obligation of the business to repay.

When most people hear the word “loan,” they think of the loans they have to apply for to take classes in college, buy a car, or start a business. Those are all loans that we need to pay back. But what if there was a type of loan that you didn’t have to pay back? That is what a business loan is. A business loan is borrowed by a business owner and is used to fund the business’s operations. A business loan is made available to individuals and businesses that meet certain criteria, such as demonstrating a certain financial profile or having a certain amount of a certain type of collateral.

Why Some Lenders or Banks Need Collateral.

The best way to obtain a loan is to have collateral. It is the first step in the loan process. If you don’t have any collateral, then you will have to pay a high-interest rate to the lender. This can lead to more debt and your inability to pay it back. Many people want to get a loan but don’t want to pay the charged high-interest rate. This is where collateral comes in. In the beginning, you will have to hold back some of your funds to pay for your business expenses and/or working capital so that you can get started.

There are several types of business loans:

Business Terms Loans

Business loans are one of the most popular financial solutions for financing companies. The most common way to finance a business is to obtain a loan from a bank or a business partner.

SBA Loan

It is designed to meet the financial needs of a small business by offering the lowest rate of interest and the shortest term of borrowing.

Commercial Loans

These are generally offered for a longer period and come at a higher interest rate.

How the Business Loan Application Process Works

You may already know that all banks and lending institutions want to know two things before they offer you a business loan: your accounting and business structure. Your accounting and business structure is what defines your business-and it’s what ultimately determines whether you will be approved for a business loan.

The process for getting a business loan may seem complicated at first. However, with a little bit of knowledge about what goes into the application, you can choose the best loan product for your business.

You need money to run your business, but getting a loan may not be the best way to go about it. There are many advantages and disadvantages to borrowing money, and a business loan application is an important step in the process. This article will provide an overview of how a business loan application works and tips for success.


  • Money loaned by a bank is among the simplest methods of getting much-needed funds if you’re thinking of starting a new business or growing your existing business.
  • More Freedom.


  • Long-Term Commitment.
  • Cash Flow Limitations.

The process of obtaining a business loan is not an easy one-it is filled with many steps and many documents that must all be filled out correctly. However, if you follow the steps, you can ensure you have applied for the loan correctly and that you have included all your necessary information.

Posted by David Presutti in Money and Shares, 0 comments
Why It’s Important to Keep Regular Stock Audits

Why It’s Important to Keep Regular Stock Audits

From a financial point of view, it is important to have your stocks and shares audited. This should be carried out regularly. There are different reasons for having them audited, but the most important one is that they allow you to spot any discrepancies in the accounts. In this article, we will explain why having your stocks audited is important and what you can do to make sure you do it regularly.

There’s been a lot of talks lately about the importance of having your stocks audited. However, the term “audit” is often misunderstood by the public. An audit is simply a review performed by a group of qualified individuals who are not affiliated with the company being audited.

Stock Audits: How Are These Important

Stock audits are a common practice for many small businesses. As a result of having a small staff and few resources to devote to auditing, many business owners choose to “outsource” the task to a third party. Unfortunately, the results of these audits can be costly, and even when they are done correctly, they can still be of little help to businesses that are struggling to stay afloat.

When it comes to managing your investments, a financial audit is one of the most important things you can do to ensure the security of your money and protect yourself from fraud and theft.

Key Reasons To Perform Stock Audits 

  • The main one is that a company in dire need of liquidity can be turned into a highly valuable company. Most companies are in a desperate situation because they have reached the limits of their corporate resources and are looking at finding outside capital. This is a dangerous game to play; the right people will find out, and you will run out of time.
  • While most people think that a stock audit is a fairly simple process to do, the reality is that it isn’t. Many requirements must be met for a proper stock audit to take place, including the person performing the audit and the business for which the audit is being conducted.
  • If you’re going to invest in a company, you want to make sure you’re getting a fair deal—and you aren’t getting ripped off. To do that, you’ll need to perform a stock audit. This ensures that you’re making the right decisions when it comes to the value of your investments.

What Are the Benefits of Stock Audits?

  • Stock audits are important to ensure that the company’s stock is in fair and reasonable condition. The audit will check on the company’s financial position to ensure that it is sound and that the company is being run efficiently. The stock audit will also check to see if the company has the required financial reserves to cover any future liabilities.
  • Stock audits are a way for companies to ensure they maintain the right internal control level. This helps to ensure nothing is missed, which could jeopardize the integrity of a company. Audits can also be an effective way to inform a company’s stakeholders. Audits can provide information on a company’s financial status and help to reassure customers.
  • Stock audits are a great way to keep track of your business’s financial health. They help you to make sure your business is in a healthy position and will continue to be in the future. So, how can you best audit your company?

There are three main methods: 

1) Using a third-party auditor – The most cost-effective and suitable for medium to large companies.

2) Using software – The more expensive option, but necessary for smaller companies.

3) Using a stockbroker – The most time-consuming but ideal for more complex situations.

You never really know what you have until it’s gone when it comes to daily business affairs. That’s why it’s important to keep regular stock audits, to make sure you never lose track of your company’s assets. You’ll need to write down the stock details of your company regularly, and if you do, you can claim ownership of the goods in case of theft or if you need to sell the goods quickly.

To keep track of how your business is going, it’s important to audit your financial records. A stock audit is a procedure that allows you to uncover errors and omissions in your financial records and correct them. When you make a change, the change is recorded in the financial records and can be used to prove the change occurred. The purpose of a stock audit is to verify that all transactions are recorded accurately, that no unrecorded transactions occur, and that all transactions are accounted for.

Posted by David Presutti in Money and Shares, 0 comments
Trading Volume: Why It Matters

Trading Volume: Why It Matters

Crypto is a booming industry. But how has it developed, and why do we care? One of the primary drivers of crypto’s popularity is the number of people buying and selling the new coins released every day. We discussed this in our article about the market cap rankings for the top 100 coins, but there’s more to it than just the number of coins traded.

It’s fair to say that the cryptocurrency market has been on a roller-coaster ride lately. In April 2017, Bitcoin prices hit an all-time high of $1,242, before plummeting to around $200 in October. Since then, Bitcoin had weathered many storms, including a turbulent November and December when prices spiked as high as $20,000, before fluctuating wildly in January and February.

Despite how popular crypto has become, there are still a lot of people who don’t know what they’re investing in. Many people see the price of a coin and think it’s all they need to know, but that’s far from the truth. As an investor, you need to know what a coin’s daily trading volume is and why it matters.

Cryptocurrencies don’t trade like stocks, at least not yet. They trade like the more familiar commodities, such as oil and gold, but with a few key differences. The first is that because cryptocurrencies are decentralized, no exchange handles all the trade. Instead, most cryptocurrencies are traded on a peer-to-peer basis on various exchanges, which specialize in a particular type of cryptocurrency.

Market capitalization measures a company’s stock price, multiplied by the number of shares outstanding. In other words, it’s a ratio of how many dollars it would take to buy a given number of shares. Many people only think of market capitalization when they’re trading stocks, but it can also be useful in cryptocurrency trading.

Few things have changed in the cryptocurrency space over the past year. The biggest one being there is no longer a shortage of coins for buyers. This, in turn, is causing a larger than usual supply of coins for sellers to move. To get a fair price, you need to know how much supply there is out there; this is the essential purpose of most trading volume indicators.

In the world of cryptocurrency investing, a trading volume is a metric used to determine the amount of money flowing in and out of a specific crypto market. The amount of money flowing in and out of crypto markets can impact the price and performance of cryptocurrencies.

Trading volume is one of the most important metrics on any exchange, as it shows liquidity and thus a measure of confidence from investors. High trading volume, particularly in a rising market, often indicates that investors are increasingly confident that a price increase is imminent.

The volume of a trade is a very important factor that we all need to consider in our trading strategy. The more volume a trade has, the more likely one is to be able to make a profit on that trade. This is why we always recommend that new traders follow the guidelines of successful traders, especially those traders that consistently make profits on their trades.

One of the most difficult things to learn as a trader is how to properly interpret trends or what to look for to predict future price action. Since it’s not possible to accurately predict the future, when it comes to price movements in the stock market, traders must rely on indicators, patterns, and price action to give them an idea of what the future may hold.

Despite the massive interest in cryptocurrencies over the last few years, few people have attempted to answer the fundamental question of why traders buy and sell. If you have experienced a crash in your Bitcoin or Ethereum holdings, it probably left you feeling like you had lost something that you would never get back. The truth is that, as with any market, supply and demand dictate the price at any given time. Whether you are buying or selling, you are likely to be influencing the price.

Posted by David Presutti in Industries Talk, Money and Shares, Think Business, 0 comments
Three Considerations To Safely Monitor Your Crypto

Three Considerations To Safely Monitor Your Crypto

Cryptocurrencies are created, traded, and stored electronically. As a result, it’s difficult to tell what is truly happening behind the scenes. Cryptocurrency startups are run by individuals who have a vision for their business. They may be well-organized, honest, and hardworking, or they may be disorganized and lazy. Either way, the same questions about their business and the truth about their business prospects can be asked of all cryptocurrency startups.

It is a great time to join the cryptocurrency craze, with the prices of Bitcoin, Ethereum, and Ripple all skyrocketing in recent times. Clients can even use cryptocurrency as an investment, buying and selling digital currencies while they are still worth a lot of money.

When you first start investing in Bitcoin and other cryptocurrencies, you may be excited by their potential. You might have come across a number of sites (like, for example) that allow you to purchase or invest in cryptocurrencies from their platforms. Unfortunately, the market can be a confusing place, especially if you’re new to the world of cryptocurrency investing. To make sure you don’t mess up, or make a bad decision, follow these three guidelines.

As the cryptocurrency market continues to grow, many new cryptocurrencies have emerged. These include both the new and older coins, such as Bitcoin, Ethereum, Ripple, and many others. While most people understand the need to keep their wallets safe, what about their online accounts? Here are three considerations to help you keep your cryptocurrencies safe.

Cryptocurrencies, like all other assets, are prone to volatility. But one thing you can guarantee about these digital assets is a high degree of risk. If you want to monitor your investments and not lose everything if the market crashes or your coin goes on a downward spiral, here are a few things you can do:

Have more than one strong password

The crypto world is currently in turmoil as EOS-based crypto, called EOS, has been hacked, and we have seen a general decline in activity across the crypto universe. Although there is no single answer as to why this has happened, some point to the fact that the EOS hack results from a lack of security measures. To protect users, it is important to create strong passwords and take measures to keep your crypto safe and secure.

The crypto mogul market is on a rampage after the prices of BTC, ETH, and others have increased massively. This has led to a lot of speculation on how to increase the value of cryptos. The answer is simple; you must use a strong and unique password for your accounts. This is because, if your password is weak, you could end up losing all your crypto assets to hackers.

Understand the different ways you can protect your crypto

Bitcoin facilitates instant payments, through peer-to-peer technology. In the simplest terms, each bitcoin is made up of digital bits, and the currency is effectively unregulated, meaning that transactions can be made without the need for a central authority, such as a bank.

In all likelihood, you’re currently using one or more of these tools to protect your cryptocurrency portfolios, such as your wallet, private keys, password, or hardware security modules. These tools have many benefits but also have drawbacks. The most important thing to understand is that all of them have limitations, and some are more effective than others. Whether you’re talking about the wallets you use or the hardware security modules you use, that’s true.

Use wallets that have a good rating

The crypto market is still relatively new, and it’s natural to want to try and cut down on the risk of losing your investment. Although there are several ways to ensure your safety, one of the most important is to make sure that your wallet is in good hands. There are many different types of wallets available, but all of them have a rating that you can use to determine their safety.

Do you care how much money you are spending on cryptocurrencies? Do you want to choose the best wallet for your coins? If so, you should look at some of the top-rated wallets on the market. These wallets get their high ratings from a good level of security or supporting a good number of coins.

Posted by David Presutti in Money and Shares, Think Business, 0 comments
How to Handle a Potential Stock Market Crash

How to Handle a Potential Stock Market Crash

Of course, everyone wants to know how to handle the next financial crisis. Will it happen? Should you be concerned? How can you prepare? What should you do to protect your investments? And how much should you be prepared to lose? There are many views on this topic, so I’ve decided to explore them all. Hopefully, you’ll find this post helpful.

It’s becoming more common to hear people talk about it these days, but few of us know what the stock market crash of 2008 is really all about. As some of you already know, some of the leading investment banks were caught red-handed manipulating the markets to their own advantage, which some people are still looking to this day for evidence that it was an insider trading scam.

The stock market crash of 1929 and the global financial crash of 2008 ruined many people’s lives and fortunes. While we can’t predict the future, we can try and prepare for the worst-case scenario.

The U.S. Stock Market has recovered from the worst crash in its history in October of 2008, but there are still too many experts who believe that it is just a matter of time before the market goes down again. This is not an unfounded fear. There are several reasons why experts think that the market will soon suffer another significant decline. The world economy is beginning to show signs of slowing down, and the U.S. economy is not the only one that is carrying the burden of the global downturn.

The stock market is one of the most important aspects of our economy, and it affects virtually every American in some way. With a decline in the stock market, the financial markets could collapse, causing a lot of financial issues. The truth is that there is no way to predict when a stock market crash will occur, but it’s always a smart idea to prepare for the worst.

Understand your investments

The stock market is the key factor responsible for most people’s wealth. The main function of the stock market is to provide a market for the ownership of companies. When the price of a company’s stock rises, the value of the company rises, and when the price of a company’s stock falls, the value of the company falls. Most investors are not aware of the rate at which their stocks are rising or falling, so they cannot accurately assess the value of their investments. The result is that they are losing money because they don’t know how to gauge their investments.

Pay off all your current debts

For most people, being debt-free is a dream. And that’s okay—we all have different reasons for wanting to get rid of debt. But, if you want to pay off all your debts to prepare for the stock market crash, you may want to consider paying off your debts first. Why?

Because of their (potential) connection to the stock market, it has become common for people to wonder why they should pay off all their debts, to prepare for an economic collapse. The answer is simple, but it also takes some time to understand. You should pay off all of your debts because this will lower your interest expenses, and if the stock market collapses, interest rates will skyrocket. The more debt you have, the higher the interest rate you will pay.

Always have a plan

While it is impossible to predict exactly when the next financial crisis will come, the best way to prepare for it is to have a plan. Whether you live in a country where it is common for markets to crash or live in a country where it is not, there are certain things that you can do to prepare for a potential stock market crash.

Nothing good comes from sitting around and waiting for a major economic event to happen. We all have a responsibility to prepare for a potential stock market crash, no matter how little or how much we think those chances are. The worst part is that the only way to protect yourself from the inevitable pain of a significant decline in the market is to plan ahead. There are multiple resources online available to help you plan for this, should it become a reality.

Posted by David Presutti in Industries Talk, Money and Shares, Think Business, 0 comments
How To Claim Business Expenses

How To Claim Business Expenses

When you run a business, you often have to estimate the costs of things, including rent, utilities, and employee salaries. A recent change in the tax code allows business owners to write off certain costs as expenses, including certain travel expenses. For many people, business expenses can be a huge pain. Most people know that you can deduct business expenses from your income, but a recent case highlights how difficult it can be to get the IRS to agree.

We all know that we can deduct business expenses from our income, but not everyone knows the rules. Tax season is quickly approaching, so make sure you’re ready. Whether you’re a business owner, an employee, or just a taxpayer, it’s a good idea to get the most out of any IRS tax break. In this post, we’ll show you how to claim business expenses.

As any small business owner will attest, running a business is a costly ordeal. You might be operating a business that requires transportation, and you use your personal vehicle for that. In that case, you might be able to get a tax deduction on the mileage on the vehicle used for business purposes. If interested, you can find out more about tax deductions for business mileage by reading up on blogs and articles on websites such as MileIQ and others like them. There are other expenses of a business, such as the rent, the employees, the insurance, the security, the utilities, the marketing, the computer, and the payroll, etc., and these expenses can get expensive, especially if the business owner uses a computer and Internet connection for business purposes. Business expenses are so important to business owners, and for a good reason, they can be an essential part of your income and represent your business’s true costs. It’s essential for small business owners to properly track business expenses throughout the year, as it allows you to claim deductions from your income tax and apply for tax relief. It is possible to find out if you qualify for such schemes by contacting companies like TaxRise for a free tax consultation.

Business expenses are one of the biggest concerns for most small business owners: keeping track of work-related purchases. Whether it’s for the office coffee machine, catering for a client meeting, office supplies, or new furniture from companies like office monster, business expenses are often overlooked when it comes to keeping accurate records. However, by keeping careful records, you can reduce the risk of having to make a business tax claim.

Claiming business expenses can be a difficult proposition. For example, if you give a speaker a lecture, then you are required to claim the expenses as a business expense. This is because you are, in effect, charging something for your time. However, if you have another business relationship with the same speaker, you cannot claim the expenses as a business expense. It is also important to be aware that you cannot deduct the honorarium as a business expense if you receive payment for a speaker honorarium.

Claiming business expenses can be tricky. You want to protect yourself from the IRS, but you also want to make sure your deductions are legitimate. You should keep in mind a few things, such as: Be sure to substantiate any expense you are claiming. If you have receipts for every dollar you spend, you’ll be in the clear.

Being a business owner can be stressful, especially if you’re a small business owner. However, it’s important to know that tight budgets may require you to take a few shortcuts to save money and make it through to the end of the month. If you’re a business owner and looking to claim business expenses for tax purposes, then you’ll want to read this post, because it covers everything you need to know about claiming the right type of business expenses and how to make sure that you’re doing so in the right way.

Claiming business expenses can be tricky because it’s not always clear whether the expense falls under a specific tax deduction or is one of the unlimited deductions available under the federal tax code. The IRS provides a handy list of what tax deductions are allowed and what you can claim as “unlimited” in a document called the instructions for Form 1040. Claiming business expenses is a great way to lower your tax bill, or at least reduce it. But not everyone knows how to do it or even understands how it works. A lot of people also think that their taxes are calculated based on the gross receipts of their business, which isn’t true. When you claim business expenses, the government takes the total of those expenses and uses it to determine what you owe on your tax return.

Posted by David Presutti in Money and Shares
Risks and Costs of Bridge Financing We Must Not Forget

Risks and Costs of Bridge Financing We Must Not Forget

Bridging loans are perfect options for short-term cash needs. But there are a few uncertainties we must be aware of before applying for a bridge loan. After going through these points below about Bridge Loans, you’ll be able to make the right decision on what you want to do next.


Whether we are expecting to sell a property or refinancing onto a cheaper loan, we must always keep in mind the timescales. A bridge loan is set for a specific period of up to twelve months. Often, we go for the shortest repayment period to pay less in interest or receive the optimal net loan. There are usually no charges for early repayment.

If the loan term comes to an end and we haven’t fulfilled our payments, we will be in default. Such a lapse is penalized financially. Failure to repay within the time stated on the contract results in a penalty and extra interest. Delays are widespread in property sales. It is also true in refinancing. Such delays can cause issues, so and we must be cautious.

Exit Strategy

Another risk of defaulting payment is property repossession by the lender. As per repossession law, an asset or property can be repossessed if the credit contract explicitly allows it. On top of that, we risk damaging our credit history. To reduce the risks, we need a very sound exit strategy. This is a plan showing when and how we are going to repay the bridging finance. Suppose we take the refinance route. It is good to submit a practical application. If we demonstrate our confidence, most lenders do not hesitate to give out the money. The best way to demonstrate confidence is by having a viable and secure exit strategy. Otherwise, they reject loan applications without a clear repayment plan. We can additionally take assistance from a professional real estate business that might also deal with loan refinances. Such companies can provide advice online and provide in-depth information can application procedure. We could get further details through websites such as or others like this.

Since we are avoiding high interest, we shouldn’t borrow for longer terms than necessary. In some instances, the lender charges renewal fees when the agreed term winds up. A good exit strategy must have a backup option and should be ascertained. An example of the exit strategy is the sale of a property. To figure out the realistic price we can expect from the sale proceed, we need to do a lot of homework. This includes researching similar properties in the neighborhood that have been sold and for how much. A valuation is necessary here. It is worth considering how much a property would yield on a quick sale.


Because of the short-term nature and risks involved, bridging loan rates are relatively higher than other loans. As stated above, we must prove our ability to pay the loan. Interest is only charged until repayment. Besides, there are extra fees we must take into considerations:

  • Administration fee: Chargeable on anyone applying bridge financing
  • Legal costs: A legal solicitor comes in to set up the facility. Their charges depend on the lender
  • Facility and arrangement fee: May cost up to 2% of the loan amount and included in the loan facility
  • Valuation: A formal valuation report is necessary security for the sale of a property. The valuation fee goes to the surveyor and usually is the only upfront charge. The property must be assessed before issuance of a bridge loan
  • Broker fees: brokers can arrange a bridging loan, and so they charge a fee
  • Exit fee: Some lenders ask for an exit fee to redeem the loan

A wise borrower looks into the risks and costs of bridge financing. It pays to seek expert financial advice to understand the pros and cons of taking a bridging loan. A financial advisor is the best professional to take us step by step through the loan application process. Their guidance is still viable when repaying ad using the bridge loan. Let us gather as many details as possible to make informed decisions. It is worth looking into it, and this won’t be too difficult considering most of them use a special source to help them market themselves, meaning the best ones are only a click away. Make sure you compare them and then enquire about your situation, this might just be the best bet for you.

Posted by David Presutti in Money and Shares
The Different Types of Shares Offered by Companies

The Different Types of Shares Offered by Companies

As companies grow, they are often no longer funded by just their founders, but instead, shareholders. A shareholder is defined as an individual or institution who owns more than one share of the capital of a private or public corporation. Shareholders are in effect investors in the company but considered members. These shareholders gain things like durable dividends from businesses, therefore they are vital towards the growth of a business. We shall explore the different types of shares that are available, some more common than others.

Ordinary Shares

Ordinary Shares receive a dividend and carry voting rights which entitle the holder to one vote per share. Often companies will create more than one class of this type of share. For example, have “A” Ordinary Shares” and “B” Ordinary Shares. The advantage of this is that it gives a company the flexibility to pay differing dividends to different shareholders. Investors can use sites like to find new stocks and determine if they’re worth an investment.

Deferred Ordinary Shares

In the case of a deferred ordinary share, the company will only pay a dividend to these classes of shareholders once all the other shares have received minimum dividends. In the event of liquidation, they will be last to receive anything.

Non-Voting Ordinary Shares

Voting rights on shares can be restricted. It is also possible that non-voting ordinary shares carry no voting rights at all. This may exclude the shareholder from attending the AGM (Annual General Meeting).

Fractional Shares

Fractional shares mitigate some of the risks of investing shares by giving you the option to buy part of the stock instead of the whole stock from the company. Professionals often recommend this for new investors so that they can see how to navigate the stock market without spending all of their lifelong savings on one piece of stock. If you try what he says you will be able to invest in fractional shares with as little as 5 dollars and earn a bigger profit using this method.

Redeemable Shares

With redeemable shares, the company has the option of buying the shares back in the future. There can also be options for the shareholder to sell the shares back to the company rather than on the open market, although this is not common. More often than not the redeemable price of the share will be the same as the issue price but can be set differently.

Preference Shares

As their name suggests, preference shares entitle holders to a fixed dividend payment that takes priority over that which is paid to an ordinary shareholder. The advantage of this is in cases of liquidation when an order of creditors is determined. The preference shareholder will be ahead of the ordinary shareholder in this situation in terms of receiving any arrears of dividends and their share capital back.

Cumulative Preference Shares

With the cumulative element of this type of share, any dividends that cannot be paid to cumulative preference shareholders in lean times, can be made up for at a future date when the company is experiencing higher profitability.

Redeemable Preference Shares

This type of share combines the features of redeemable and preference shares. Those holding them receive the benefits of preferential rights to dividends whether the shares are cumulative or non-cumulative. The company can redeem the shares at pre-agreed terms in the future if they wish.

Many companies will start off, for simplicity sake, by just offering one type of share, which will be the ordinary share. It provides the shareholder with equal voting rights and a dividend. These kind of shares are often divided among the founders initially, and eventually with the investors too. They are usually recorded on a cap table, or capitalization table, which is an important consideration when running a business. Where companies do offer different types of shares, there is nothing to stop a shareholder holding different classes of share at the same time. This allows them to benefit from the different rights on offer, with respect to voting and entitlement to future dividends.

So, this gives an idea on the main types of shares that you are likely to come across with a company, whether you are in education wanting to learn about the different types or a private individual or business looking to invest. In terms of investment, there are several options open to you in terms of knowing which companies to invest in. Financial institutions, advisers, and share dealers, know the market well and there are various websites which specialise in financial advice. The Financial Times newspaper is an excellent source for finding out about what is going on with companies and the economy, apart from providing lists of the current share prices and their movements.

Posted by David Presutti in Money and Shares, 0 comments