My Insurance Tables

Auto Insurance Quote: A Necessary Step Before You Buy An Insurance Policy

2012-02-19T08:36:00.000-08:00

In our modern fast paced era, auto insurance is a necessary safeguard to ensure a trouble free relationship with your vehicle, and you must do your best to get a good auto insurance quote. It is extremely important that you grasp what is being insured and what are the conditions if any which exist in the auto insurance quote. However, you must be careful not to confuse an auto extended warranty with auto insurance, since the latter is basically nothing but a vehicle service contract.

Get the Maximum from an Auto Insurance Quote

If you are to get the full value from your auto insurance quote, you will have to understand the terms that are being offered, or else filing a claim when required becomes that much more difficult. There are a great number of insurance dealers who offer you auto insurance quote and other related issues in a very confusing manner. The prices and features that are offered from a broad number of insurance providers can be cross checked and a suitable price decided on when finalizing your auto insurance quote.

Online Auto Insurance Quotes
Auto insuance quotes can also be gleaned from a number of web sites that are related to affiliated issues. Some of the features that you can make use of are:

Multiple insurance carriers present instant online auto insurance quotes.

Compare and choose auto insurance quotes and policies

Very simple forms have to be filled out for local agents to offer you multiple auto insurance quotes.
Time is of the essence and after the purchase of a new or second hand car you do not want to delay getting an auto insurance quote. You are at liberty to go to insurance companies which will almost immediately arrange three auto insurance quote either by telephone or email --- from a nationwide network of professionals dealing specifically with auto insurance quotes. Further, you are also at liberty to visit established sites like rel=nofollow http://www.autoinsurancequoteranger.com to get a comprehensive range of auto insurance quotes. You then have the freedom to compare auto insurance quotes from over 110 companies and thus save up to 70% of your expenses online.
Promotional Auto Insurance Quotes
So far as auto insurance quotes are concerned, you will also have to remain extremely alert about the discounts offered or promotional offers of booklets and gifts. These are all gimmicks to beat competition of auto insurance quotes from other companies. For a good auto insurance quote approach a company that will not only understand your needs, but also provide you with services that are fast and easy. After you have accepted their auto insurance quote, the registration methods as well as the terms and conditions ought to be fairly simple - so that your time is not wasted.
After buying your auto insurance, one very important question to ask is - do you know what exactly your auto insurance quote covers and its limits and exclusions? This all must be clear before you accept an auto insurance quote. Thoroughly check out these points before finalizing the auto insurance quote of your choice ---
liability coverage

comprehensive insurance

your duties after an accident.
Do you always need to buy auto insurance after purchasing a vehicle? The answer is absolutely in the affirmative. Auto insurance can in no way be regarded as a luxury; it is most definitely and without any doubts a necessity. So select your auto insurance quotes with care and wisdom.
Richard Cunningham is a successful entrepreneur and publisher of several profitable websites including AutoInsuranceQuoteRanger.com. Visit his website to learn more about auto insurance quote online.

Best California Auto Insurance

2012-02-19T08:35:00.002-08:00

Auto insurance with optional coverage is required to meet the vast expense of money involved in accidents. In California, auto insurance for drivers is required by the law. Through the best California auto insurance, a driver or car owner gets proper protection against liability for bodily injury and other property damages.

The primary consideration in choosing the best California auto insurance is the insurance price. An inflated insurance rate will increase expenses and may prevent you from purchasing a new car. The best California auto insurance offers good coverage at an affordable rate. It offers comprehensive service over inopportune auto incidents, fire, theft and natural disasters. In addition, the best auto insurance has the credit for handling all types of auto claims fairly and quickly, and shows good financial stability of A+ or above. The best California auto insurance is capable of covering almost all insurance aspects, including the liability and uninsured motorist coverage for $100,000 or $300,000 or $100,000, medical payments for $5,000, collision coverage for $500 and comprehensive coverage for $500.

As auto insurance is mandatory by California law, the demand for auto insurance is high. There are a number of auto insurance agencies with a range of insurance schemes. So, drivers should be careful when selecting their auto insurance. A thorough search of more than 25 auto insurance agencies is essential to choose the best auto insurance. In addition, you can gather information from the online quotes of different insurance companies and from auto insurance specialists. Individuals can evaluate rates and services with different insurance providers and decide on the company that provides the best auto insurance.

A leading auto insurance vendor in California, Progressive Auto Insurance offers the best auto insurance for commercial and non-commercial automobiles. Having a customer base of more than 12 million, the provider is at the top in supplying insurance products into newer territories. California auto insurance is also available online. [http://www.e-californiaautoinsurance.com]California Auto Insurance provides detailed information on California Auto Insurance, California Auto Insurance Companies, California Auto Insurance Comparisons, California Auto Insurance Laws and more. California Auto Insurance is affiliated with Dental Insurance Companies [http://www.dentalinsurance-web.com].

Understanding Auto Insurance

2012-02-19T08:34:00.003-08:00

Auto (car) insurance is a type of insurance coverage for damage to and resulting from an auto. Insurance of this type can cover a variety of things depending on the kind of auto insurance that has been purchased.

All auto insurance policies involve a premium, which is the payment a customer makes to have auto insurance. Premiums for auto insurance can be extremely divergent and are determined by a number of factors. Gender is the major determinant for auto insurance premiums. Statistically, men are 80% more likely to be involved in an accident, and therefore have a greater need for insurance. Auto insurance premiums for men are higher than auto insurance premiums for women. Similarly, teenagers are considered high risk and will have to pay higher auto insurance premiums. The auto insurance premium can be reduced if the teenager takes a defensive driving course. Many states require teenagers to take defensive driving courses in order to obtain a driving permit and auto insurance.

It is customary for auto insurance plans to have a deductible that the customer is responsible for before the auto insurance provider offers coverage of expenses. Deductibles can have an effect on the coverage available under an auto insurance plan.

Auto insurance is slightly different than other types of insurance because you can purchase auto insurance that covers specific needs. For this reason there are different kinds of auto insurance. Auto insurance basics are covered by liability auto insurance plans. Liability auto insurance is usually the minimum required by state laws. Liability auto insurance is characterized by a set dollar amount of coverage for damages resulting from accidents or negligence. The coverage amount of liability auto insurance can be applied to property damaged in the accident that is not an auto.

Car insurance also comes as collision auto insurance. Collision auto insurance is meant to cover the cost of repairs to a vehicle involved in an accident, or the cash value of the vehicle if it cannot be repaired.

Comprehensive auto insurance is also available. With comprehensive auto insurance, coverage of fees for repairs is provided for accidents that are not collisions. Comprehensive auto insurance will, for example, cover hail or fire damage.

Whatever type of auto/ car insurance you need, Business Health Insurance can help! We have all of the information on auto insurance in your state.

What Should You Look For in an Auto Insurance Company?

2012-02-19T08:34:00.000-08:00

What is a car insurance? What will an auto insurance cover?

Auto insurance companies cover you and your passengers in the event of an accident. But it is up to you to decide the level of cover you will get.

Will the damages to your property be covered by the company? Will all the passengers be covered or only your family? What if your daughter was driving your car?

What questions should you ask your auto insurance company when it comes to auto insurance? This article help you choose between the various insurance policies.

Types of auto insurance

Liability insurance, or third party insurance.

This is general the lowest form of insurance offered by an auto insurance company. This is the basic insurance, if you are involved in an accident, and it is proven to be your fault, the auto insurance company will pay damages to the other party.

The cover offered by the auto insurance company is usually set beforehand. These are the maximum amount the auto insurance company will pay in case of accident

For example the agent will agree on a $10000 coverage per person, (bodily injury) and/or $40000 coverage in bodily injury and/or $10000 in property damage per accident

You need to confirm with your auto insurance company what they will cover and what are the limits.

You might be offered a very low premium by some auto insurance company only to realize that your cover is minimal and unrealistic.

Collision and comprehensive coverage, comprehensive insurance and full comprehensive insurance

An auto insurance company will also offer you a comprehensive insurance, as the name indicates, you will be comprehensively covered.

In simple terms it means that if you are responsible for a collision the insurance company will pay for the repair of the vehicle.

But it is not so simple, an auto insurance company will almost always have the final say on what amount will be paid out, so if it is cheaper to give you market value for the car, then they will.

You might think that your car is worth $1000.00 but the real market value might be $500.00. This is not an uncommon scenario. So if the repair of your car are more than $500.00 then the auto insurance company will simply pay the book value of the car.

You must make sure that the insurance company is not in control of the market value of the car, normally organisations like the AA will give an impartial market value.

As with the third party insurance, the auto insurance company will almost certainly limit the amount that will be paid out, but in general terms, a comprehensive insurance will have higher limits.

Recreation Vehicle

A recreation vehicle needs its own insurance, a Recreation vehicle insurance is not the same as auto insurance.
You should not assume that because your car is comprehensively insured, so is your recreation vehicle.

Other Types of auto insurance

Medical (MedPay), Persona Injury protection (PIP) and no fault cover

This insurance will cover you and your passengers medical expenses in the event of a collision.

The no fault cover means that the auto insurance company will pay regardless of who is at fault. This give you the piece of mind that, at the very least, your family and friends are covered.

PIP is often a minimum requirement in some countries or states, ask your auto insurance company what the requirements are.

Uninsured/Underinsured motorists' coverage

This cover, (also sometimes a minimum requirement in some states), will cover you if the person at fault is not insured or is underinsured.

You must ask your auto insurance company what you will be charged in case of such a situation. Normally the auto insurance company should not charge you some extra premiums.

Rental reimbursement, towing and labour

Those 'extras' often given with a comprehensive insurance is often use by auto insurance companies as specials.

So in case your car is damaged the auto insurance company will pay for rental costs, (sometimes only for a few days).

The auto insurance company might also offer to pay for the towing of your vehicle, (not always included).

As always you should ask your auto insurance company what is included in the cover.

The legal requirements.

Most states, and most countries will require a certain level of cover, from full comprehensive car insurance to third party auto insurance.

In most cases it is up to you, the driver, to ensure that your auto insurance company offers you the minimum required. In most cases the insurance company, (the auto insurance company), is under no obligation to instruct you of the requirements.

But of course, a good auto insurance company will, (should?), try its outmost to advise you on the best deal for you.

2009-02-03T15:25:00.000-08:00

MILLIONAIRE PACKAGES.

2008-12-07T09:00:00.000-08:00

Becoming a millionaire is strenuous but someone needs to apply certain principles in order to realize a dream of becoming millionaire, multi-millionaire or somebody in life, even if the economy is underdeveloped or you are earning relatively low per capital income when compared to the developed countries worker capital income like United State of America. No matter how bad economy it is, you can millionize your incomes, your little pennies into millions and achieve and live your fantasy dream life [your dream house, cars and other good things of life]

There is a two way to millionize your way: Long route and Short route, and to achieve your first million is the most difficult and tedious assignment to do. It is believe that it is rare to become millionaire or financially independence while working for someone but you can reverse the case by applying simple strategies of savings and investment out of your incomes.
You can be rich only by letting people work for you or you get your money work for you [residual income] like investment in share and stocks, bonds, treasury bills etc.
If you can reduce your expenses, debts but embark and increase your savings and investment into where it can be compounded in interest. Average Nigeria population ignore savings and investment habit instead prefer to invest their capital in physical goods which require much of their power, effort, sense and most of the time the investment collapse due to economy problems and government policies or political crisis and their investment turned down to be unproductive investment thereby facilitating their chances to be in poverty because they are working for money without having intension to invest into the economy’s future. Although many are living comfortably but lack focus for their financial future and lose ability to turn their capital or money into riches, riches into wealth meanwhile knowledge is power which can prove that they need ability to manage, multiply and sustain their wealth to the unborn generation.
Even with savings and investment of N250.00 daily or N7, 500 monthly you can become millionaire in less than 5 year

MY TESTIMONY IN TRADING INTERNATIONAL SHARES.
I got some money almost N450, 000 around January 2008 meanwhile I have been following market trend in global stocks as a result of the facts that I got in an international investment book that my uncle gave from abroad, and the fact that I got made me to realize that there is bountiful opportunity for any individual to make good returns on it’s capital within specified period of time by investing or trading international shares. I registered and fund my account with an international stock broker in USA without leaving Nigeria with $1000 and I bought some shares that made my portfolio to worth $5,670 within 8 months from February to September, I have withdraw part of it. Many are considering global financial illiquidity but I will let you know the fact that this is the best time to be buying good shares so you can easily make money when the market picks up by 2009 1st quarter there is no risk in it while compare to FOREX because it is like Nigeria shares when it can only depreciate in value, your share unit will be there even I have research and buy some penny shares in the market. Example: I bought moneygram international shares at rate of $0.95 and I was able to sold it for $5.50 and I invested $400. visit here to get the figure facts : www.finance.google.com and from the get quote space bar just type MGI is the symbol of moneygram shares. I have package every detail to start and succeed in trading international shares in a easy step guide manual.

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HOW TO PICK GOOD STOCK FOR MEGA PROFIT.

2008-12-07T08:56:00.000-08:00

DETAILS PRACTICAL TOOLS IN PICKING VIABLE STOCKS.

1. NEWS: one of the most important factors that enable the reactions of
Investors in any stock market is the news which could be good or bad,
Sentiments, rumor or facts. In stock market around the globe stock prices
Are basically driven in response to the law of gravity that is the level of the
News. It could be on the new management, takeover/merger/acquisition,
Financial report, dividend, bonus etc.

PRACTICALLY, when a company declare good dividend and bonus, investors or shareholders will quickly rush to buy that stock even those that already possess that stock in their CSCS account or in their portfolio will want to buy more in order to partake in the bonus or dividend as a result of this, demand will exceed supply thereby causing hike in share price while existing shareholders will not want to sell but at higher price.
Investors will have keen interest to buys that company’s stock before closure
Date of the registrars and payment date and vice versa.

2. TOTAL NUMBER OF COMPANY’S STOCK: the higher/larger the total number of company’s share, the lower the rate of the EPS [earning per share] and the lower dividend to be shared among shareholders. Company A has 30million unit of shares but made a net profit of N40, 000,000 in its annual report while
Company B has 10million unit of shares but made a net profit of
N20, 000,000 as a result of this Company A’s EPS [earning per share ratio] will be N0.75 while Company B’s EPS [earnings per share] will be N2.00.

Base on this analysis, companies with lower total volume of shares
With good management tend to declare higher or good dividend when
Compared with highly volume of Shares Company.
In the same view, NSE/SEC new rule in order to reduce share price manipulation whereby before any share price can move up or down it must have attain 50,000 units of shares must have been transacted as a result of this policy company with high volume of shares will enable patronization of investors in trading.

3. EXPECTED OR RELEASED FINANCIAL YEAR END/ ANNUAL
REPORT: investors or traders can use this tools to pick viable and highly
Returns stocks because most stocks has season either high, medium or low
price period in which an investor can come in to buy/sell for profit. Investors
Can use quarter performances fact e. g an investor can use 3 rd quarter results
to buy a stock in expectation that the 4th quarter or final annual report of
that company is likely to declare good dividend and /or bonus in which this
will attract other investors to buy after the release of good annual report as a
result of causing the share scarcity or increase in that share price due to high
Level of demand meanwhile existing investors/shareholders of that stock will
not want to sell it but if he/she decides it will be in high price. Released annual report is also a viable tools, the investors has notice and seen the benefit and rewards the company want to distribute to her prosperous Shareholders but base on certain period of time [that is CLOSURE DATE OF
COMPANY’S REGISTRA]. This bountiful rewards will only be given to Investors who can only or have gotten the share before closure date as a result of this, there is possibility of unavailability or scarcity of that share on the NSE Trading floor due to it’s attractive returns to it’s shareholders in a couple of weeks.

4. FIVE YEAR FINANCIAL STATEMENT: investors can also use this
financial tools to check up the healthiness and improvement in the company
by checking past 5years financial records on gross sales/earnings/premium,
expenses, Profit Before and After Tax [PBT, PAT], bonus or dividend history
and forecast it’s future outlook, which can prompt investor decisions to invest
in that company, if there is advancement indications.

5. MARKET CAPITALISATION; this enhance and attract foreign investors
and fund managers to invest in certain sector or stocks because this will
enable liquidity of that company’s share that is ability to easily convert the
unit into cash.

6. QUARTER PERFORMANCES EPS/PE: it is also known as interim result,
A 3-month financial report in which every quoted or listed company is
expected to produce it 4 times in a financial year whereby 1st quarter to be 3month, 2nd quarter to be 6 month, 3 rd quarter to be 9 month while 4 th quarter to be 10 month. Quarter result are provide to the NSE [ Nigeria stock exchange]/SEC Security exchange commission and the public to compare latest quarter result to the previous or last year quarter report e.g. 1st quarter of 2007 to 1st quarter of 2008.

HOW TO USE QUARTER RESULT

1. If a company does not perform well in the two quarter then it shows that it
will try to recover from what ever the problems, is therefore don’t buy
unless there are convincing facts. That is 1 st two bad quarters don’t buy.

2. If a company performs well in the first 2 quarters, it is advisable that if it
shows all indication that it will perform better in the last 2 quarter then go
ahead and buy.

3. If the result of the first quarter is released and is good, I strongly
recommend that you wait for the second quarter result unless the company
has always shown solid performance and still promise to do so.

4. Quarterly results suggest a great deal if the company will be giving
dividend or bonus, because if the company performs perfectly well in 1 st
quarter and 2nd quarter and 3 rd quarter all things being equal the company
will perform well in the 4 th quarter. Therefore, if 1 st is good, 2nd is good and
3 rd is good then buy because the 4th will be good.

CAUSES OF BEARISH TREND OR PERIOD IN NSE.
1. Mass private placements.
2. Public offer/ initial public offers.
3. Profit taking by investors.
4. Good and impressive quarter or annual results of quoted companies.
5. Other viable and high return investment windows.
6. Regulatory and government policies [NSE, CBN].
7. Major news.
8. Market forces [demand and supply forces].
9. Time and seasons.

WHAT IS EPS & P/E.

EPS means earning per share. It is the operating profit for the year divided by the
total number of share/ outstanding number of company’s equity.
or
profit After Tax [PAT] divide by total number shares. EPS need to change quarter by quarter as operating profit increase but total number of share remains the same.

USES OF EPS.

1. EPS indicates the strength of a stock because it enable to discover if stock
price move up either on fundament or on sentiments.
2. The stronger the EPS the better the stock because it is out of the EPS the
company declare dividend while the remaining goes to reserve.
3. It is one of the best tools to pick stock in bearish period because stock with
high or strong EPS indicates healthiness of such stocks and ability to recover
or appreciate faster when market recover.
4. EPS reveal the abundance benefit that is available in stock even among its
group or sector.
5. EPS is a portion of a company’s profit allotted to each unit of share of the
company’s stock.
6. A company with high EPS indicates that it can pay investor higher dividend
as against the company with low EPS since high returns and dividend serve
as reward a reward for investor for making it capital available for part
running of that company at a point in time.

7. EPS is mostly in kobo.

USES AND DETERMINAION OF PRICE EARNINGS RATIO [P/E]

P/E is determining by dividing current market price by current EPS.
P/E enable an investor to know if a stock is undervalued which is the best time to
buy, overvalued which indicates that the stock is expensive while fairly valued
indicates neutral in price for an investor to buy or sell.
The lower the P/E the better the stock in that sector.
The higher the P/E the expensive the stock in that sector.
Use the EPS table below for example:
Base on the EPS & P/E tables, if we are to pick stock to buy by using EPS & P/E,
take a look at the cheaper or undervalued stock in sectors and pick the one which
has strongest EPS and the rewards to investor will be higher.

TRADERS NOTE.
1. WHAT IS CSCS: it means CENTRAL SECURITY CLEARING
SYSTEM. It is stock account, which is expected to have by every investor in Nigeria capital market operation in order to facilitate effectiveness from switching from manual transaction to electronic transaction. one of the prerequisite for an investor or individual to
possess in order to be able to buy or sell shares in secondary
market.

2. Company listed or quoted on Nigeria Stock Exchange as at
July 2008 are 224 companies and many are proposing to be listed in which you can trade on them for capital appreciation or portfolio build up.

3. WHAT IS IT TRADE ON CAPITAL MARKET: an investor
trade shares for interest which is known as dividend, for
capital gain, bonus. An investor trade its capital for units of
shares or securities while an organization or company
trade/exchange it’s securities for investor’s money. Company
can only run or continue business operation if there is
adequate working capital in which this capital can be
through finance house which is known as DEBT FINANCE
e.g. long term loan, short & medium term loan in which the
company pays interest on the loan either the company makes
profit or loss even if the company default in repayment it can
be enforce by court to set off the debt as a result of this, debt
finance method for sorting working capital is expensive for
an organization. EQUITY OR SECURITY FINANCE is
mostly preferred by the company seeking FUND but only for
PUBLIC LIMITED LIABILITY COMPANY [PLC]. The
individual or an investor contribute fund or capital to
the establishing, expansion and running of the company in
anticipation or hope that the management will declare the
financial status of the company annually and declare or
distribute viable dividend or returns to shareholders or
investors. This method of finance is inexpensive and easy for
quoted company to get fund because the company is
generally owned by the investors either it’s run on profit or
loss the shareholders bears the consequences meanwhile it is
from the profit the management declare dividend not
compulsorily but discretionally at AGM meetings.

4. WHAT IS SECONDARY MARKET: is where you can easily
exchange your unit of shares or securities for cash or cash for
units of shares within 4days.

5. IN PRIMARY MARKET OPERATION:

ISSUE AT PAR/NOMINAL means that the company is
offering the stock to the public at face value e.g. N5.00.

ISSUE AT DISCOUNT means offering to the public at
below face or nominal value e.g. N4.50.

ISSUE AT PREMIUM means that the offer is above face or
nominal value e.g. N5.70.
6. WHERE & HOW TO DISPOSE/TRANSFER YOUR UNIT
IN SHARE CERTIFICATE INTO E-transaction that is
CSCS account in secondary market: you can do so by
contacting Good and efficient stock broker to activate CSCS
account for you and then after you’ve gotten your CSCS
account number, present and order your stockbroker to
either sell off or transfer the unit into your stock account or
portfolio base on your wish.

7. TYPES OF TRADERS :

DAY TRADERS: this type of traders buys and sells within
24hours.

SHORT TERM TRADERS: they are traders who buy and
sell securities within 6months.

MEDIUM TERM TRADERS: they buy and sell their unit
within 6-12month.

LONG TERM TRADERS: they are traders who buy and
sell securities ranges from 12months and above.

8. TYPES OF PRICE MOVEMENT :

SHORT TERM PRICE MOVEMENT: it is the movement
of share price within short period of time usually less than
12months and this can be effected by sentiment trade or good
quarter or annual report on dividends, bonus and more.

LONG TERM RICE MOVEMENT: It is movement of
share price from 12months and above due to some factors like
improvement in earnings, product quality and more.

9. TRADERS SKILL :

SENTIMENT TRADERS: they trade or pick
securities/shares as if in gambles den, that is they trade without
fundament or facts backing the stock prices in which stock can
go down or up. But quality facts will attract investors to demand
or buys good stock thereby enabling rally up again in price if it
goes down.

FUNDAMENTAL TRADERS: this traders make use of
basic facts and back up, to pick or buy stock e.g. company’s
earning, EPS,P/E ,dividend and bonus history and other factors.

TECHNICAL TRADERS: These traders buy or sell
stocks base on price performances in relation to historical price.

10. ELECTRONIC MARKET OF NSE[ E-DIVIDEND,E-BONUS,
E-ALLOTMENT,E-TRANSACTION CSCS]

E-DIVIDEND: it is NSE’s initiative to distribute dividend electronically to shareholders for convenience purpose.

E-BONUS: it is the distribution of free shares to shareholders electronically, into CSCS account.

E-ALLOTMENT: it is the distribution of share allotted to an investor in primary market operation into its CSCS account.

E-MARKET: it is the operation of NSE to transfer and transact securities bought or sold electronically in secondary market operation with CSCS account.

11. BULLISH & BEARISH PERIOD :

BULLISH period is when buyers are on the run because they
are buying the shares of the companies in anticipation of rise in
price and other factors which could enable rise in share prices.
It is advisable for an investor to quickly or early buy the shares
at low/discount price before price rally up.

BEARISH period is when investors are selling the shares to take
profit or due to other factors in which this is the period an
investor can buy or pick good company’s share at low/cheap
prices because if the share price goes up without coming down a
other viable investor will find the share price overpriced or
overvalued as a result of this it is advisable to an investor to buy. shares hat possess good fundamental and facts in the bearish season in order to buys cheaply. Hence an investor should recognize periods for ENTRY and EXIT period because there is possibility of moving up faster. The stock market like any entity is prone to an up season and down season. If you really understand investing, you will agree with me that it’s al about taking advantage of time and seasons. There is no season in the
market that last forever-bull or bear. The smart investor knows
that the way to make money is to buy low and sell high or buy
high and sell higher. So, this is the kind of time to buy but the
question you should ask again is buy what? My response will
simply be buy into companies supported by good results.

12. WHERE YOU CAN GET STOCK BROKERS: individual or
an investor can get stock brokers list with their locations at
any NIGERIA STOCK EXCHANGE branch office in your
states or e-mail their corporate office site:
www.nigerianstockexchange.com

BECOME MILLIONAIRE THRU MILLIONAIRE INVESTMENT CLUB.

2008-11-16T07:36:00.000-08:00

MILLIONAIRE INVESTMENT CLUB RUNNING.

Millionaire investment club is the way whereby individual with the same investment goal come together to defies procrastination [a situation whereby you are unable to save or set tangible or reasonale fund to start trading in stock market]. By coming together of small scale investors, pooling fund together as a result of earning big Return On investment[ROI].
Many people are short of fund and could not participate in the programme that enable many people to leveraging millions into their bank account, smiling to their bank weekly,monthly or yearly but running of MILLIONAIRE INVESTMENT CLUB enable any individual,unemployed even student wishing bright future to get started with little fund or capital.
MILLIONAIRE INVESTMENT CLUB: it is the coming together of different people or investors with the same mind set or set of goals for the purpose of making money in certain investment. It involves people contributing their small amounts together to invest since some stock broker ignore transanctions with small amount. As the time goes on, that they are able to build the money to a level, all of them separate and decice to stand on their own, that is investment club enable them to jointly participate in stock market, and in the long run they participate individually in the stock market.

HOW TO START INVESTMENT CLUB.

􀀹Find and develop a group of people, who have the same mindset. The people that will be able to see each other oftenly,interact e.g family and friends,members of the same church or mosque,working place,neighbours e.t.c
􀀹Make certain contribution monthly. For example, you can make use of method of the larger the money, the lesser the group number e.g assumption of 20 or less, contributing #10,000 per month multiply by 20 people equals to #200,000 per month.
􀀹Get your investment club name’s registered with Corporate Affairs Commission [CAC] as an enterprise or limited liability company. If it is Limited liability company, that means all the club members must be Directors on the board.
􀀹Then,you need to update executives before or after regististration for proper running of the club e.g President,secretary and fill all the clubs member into different position.
􀀹Appoint investment club administrator. Administrator will help you to put up meetings locations and other amenities but administrative fees should be contribute as well,its like salary.
􀀹Take the registered name with CAC to stock broking firm you want to be using and then open a current account with Nigerian Bank in that name as well. Two members can be signatories to the stock account while two members can be signatories to the bank account for transparency.

BENEFIT OF INVESTMENT CLUB.
1. Stock market forecast/training : it enables the members to contribute jointly to attend seminars or do personnal. Stock training with little contributed capital. It enables free flow of information and opportunity of tapping into forecast and research of other members.
2. It creates friendly atmosphere atmosphere and achievements of certain objective mutually. Since, investment club enables members pooling resources together, invest and manage it by professional investment manager. Meanwhile, members must have same mind set,talk oftenly either from same church,social club, working place.
3. Opportunity to save : it enables the individual or club members to inculcate savings habit by setting aside certain amount of incomes for investment club’s activity.
4. Diversification by owning different types of asset : it facilitate the possession of more than one asset in portfolio while one assets suffer a major decline, hopefully other asset in your portfolio will be increasing in value, hence aiding asset growth.
5. The power of group : it enable earnings of huge returns of dividend,bonus issue even on NSE some scarce stock can only be bought if the volume of demand being made is huge enough to compensate the setter of such equity.
6. Networking : it enables different people from different background, status,personality and corporate executives due to the facts that no individual is self made,specific individual is self made,specific individual will need to cross our path so that we can climb to the top of our dreams.
7. It enables personnal progress : it enables the members to make certain decision that will improve their lifes e.g acquisition of landed property.
8. Benefit of reaping so much by just contributing so little because a little drop of water makes a mighty ocean.
9. Benefit of tranfering your rights to your children in case of any eventuality.
10. The advantage of being able to hire the service of a professional investment club administrator, which you may not do individual.

EXAMPLE:
PRACTICAL DRAFTED DOCUMENT FOR OUR CLUB.
CLUB NAME – VISSIONER OR REACH YOUR GOAL
CLUB MOTTO: Wealth Accumulation
FUND ACCOUNTABILITY AND TRANSPARENCY
1. Each member is expected to contribute prescribed amount on monthly basis
2. Every member should contribute knowledge or analysis on which or what to invest on, and with sector company to invest.
3. Signatory i.e. two appointed members are to carry out the task or transaction within T + 3 days.
4. Evidence of transaction should be produced by signatory of the CSCS in subsequent meeting of gathering.
5. There is likely to be an extra-ordinary meeting by few or all members to discuss on certain issue as a result of emergency.
6. If there is any addition or amendment, it should be deliberated on for an inclusion purpose.

CLUB NAME – VISSIONER OR REACH YOUR GOAL
CLUB MOTTO: Wealth Accumulation
ARTICLE OF ASSOCIATION
• SHARE’S AWARENESS & ENLIGHTMENT
• SHARE’S MONITORING BY ALL MEMBERS
• Every member must be an executive i.e. (Active Members)
• Two signatory or members to ESA or CURRENT Account
• Accessibility of CSCS Account on internet
• A.G.M. is expected to hold within medium (6 months or 1 year) for distribution of capital, dividend, and dissolution or continuation purpose.

GOALS
• For financial independence & wealth accumulation purpose
• To imbibe savings & investment habit into members there-by eradicating poverty
• Creation of enlightenment & awareness on the purpose of investment through shares and other windows.
• Sharing of useful knowledge by organizing Business & Investment Forum
• Creation of wealth or capital to prosperous members.

Visit : www.millionairetutors.blogspot.com for more life transforming benefit to attain your millionaire investment plan individuall or collectively.

BECOME MILIONAIRE BEFORE OR AFTER RETIREMENT THRU GLOBA STOCKS, NIGERIA CAPOTAL MARKET AND INTERNETS.

2008-11-16T07:28:00.000-08:00

skills IN TRADING SHARES,STOCKS AND MAKING MILLIONS.

One of the elements or tools to acquire financial freedom in Nigeria, Africa or World at large is through savings and investment in which shares and stocks is one of it.
It has and will help you to build your wealth in shortest period of time and long term position, if you are ready to play the game strategically.
Most richest men in the world accumulate their wealth through shares ,this is because it provides high Return On Investment [ROI] within short period of time even in the long term investment. Bill Gate the richest man in the world, Warren Buffet, Carlos Slim and many more got their wealth trading shares and stocks in Wall street of New york stock Exchange. About 100 people out of 400 billionaires in the world got their money from shares and stocks.
Meanwhile, it is now and useful to embrace the habit of making your passive income,even making millions of Naira weekly, monthly or yearly through shares and stocks, just start learning how it works.so easy.

WHAT IS A SHARE?
• Shares: is a unit of ownership which qualifies you to benefit accruing from the company invested in while
• Stock: refers to many shares .
• Shareholder is referred to as a stockholder,someone who has some unit or percentage of shares or equities in a particular company.shareholders are the one who contribute capital for the functioning of the business i.e ownership and so they share in the profit made by the company known as dividend.shareholder is also known as investors.
• Investment is a means of wealth creation,managing,multiply and sustain it with little or low stress.it is also refer to making money your messenger or houseboy,sending money errand.you can make money to work for you by certain investment and also create wealth by making people work for you as well. Your salaries or wages serves as your reward for your effort while investment enable you to get residual income with peace of mind.

INTRODUCTION TO NIGERIA STOCK EXCHANGE

Nigeria stock exchange [NSE] is a body or government arm that aids goverrment to control economy through provision of money and capital market, market for raising fund or capital on behalf of industrialist or government e.g shares, stocks,bonds and many more.
It is a market where shares,stocks and other securities are bought and sold both in primary and secondary market operation. It was established in 1960 but commenced operation in 1961. it first corporate office was situated in Lagos.
It controls about # 14trillion per day, with almost total share volume tradeable equities of about 100,000,000,000 unit. it has more than two hundred[200] listed or quoted equiteis and numerous yet to be listed ASAP.
Before company’s equities can be listed in NSE, it must have certain qualities and standard in terms of intergrity,capital base, financial standard records and others,before Security Exchange Commission [SEC] can approve its equity to be listed in NSE. SEC are the arm of NSE which monitors, regulate the policies and financial conditions of the listed or quoted companies in the market in which any company or equities that is operating non-compliance to the SEC policies and obligations will be place on suspension or banned . SEC mandate the quoted equiteis to submit their financial records [ quarter result,annual report] and scritinize if it follows the SAS, IAS e.t.c

SECTORS & SUBSECTORS OF NSE
• A= Agriculture/agro- allied , Aviation ,Airlines, Automobiles/tyre
• B= Banking, Breweries,Building materials.
• C=Chemicals/paints, Commercial services,Coy.& Office equipment, Conglomerates,Construction.
• E= Engineering technology.
• F=Food/beverages, Foot wear.
• H= Health, Hotel & Tourism.
• I=Industrial/domestic products, Insurance
• L=Leasing
• M=Manufacturing,Manage fund,Maritime,Mortgage companies.
• P=Packaging, Petroleum[mkt],Printing &Industrial estate.
• R=Real estate inv. Trust.
• T=Transport,Textiles,The foreign list.

FUNCTIONS OF NSE/SEC
• It provides a market for buying and selling of second hand securities.
• It asisst companies to raise capital by helping to change their securities into cash.
• The value of shares or stocks are determined by the stock exchange.
• The prices quoted in the stock exchange serve as economic indicators, high prices indicates good economic conditions and vice versa.
• It ensure that its members exhibit highest standard of behaviour,protect investors from any form of fraud.
• Prices quoted at the stock exchange serve as parameter for the industrialist to measure the goodwill of their companies.
• By demanding highest standard of intergrity from directors and management of the quoted companies and before the stock can be quoted.

WHO ARE THE MEMBERS OF NSE/SEC.
They are the council deemed suitable as having completed the necessary training and who have to pay considerable membership fees and annual subscription.
[a] STOCK-BROKER: these are dealer or agent who act on behalf of the members of the public in buying and selling of shares and stocks. It serves as intermediaries between the buyers and sellers e.g Dominion trust Limited: A member of stock exchange.
[b] STOCK- JOBBER: they are known as the principal who work on the floor of the house of NSE. They buy and sell securities on their own behalf. The jobbers do not buy or sell securities direct from members of the public but through brokers who act as their agents. Jobbers by custom, specialise in a particular group of securities, jobbers quote two prices , the lower for buying while the higher for for selling price.

WEEKS & DAYS OF OPERATIONS ON NSE DETAILS

NSE operation base on 52weeks or 365 days of running in a year.[working days only]

QUARTER RESULT –NSE expect the listed or quoted securities to submit their financial report of 3 months and 4 times in a year before the total compilation and presentation of the annual financial record details, in newspaper or other means to inform the investors on the capacity and competency of the company that manage their funds. This quarter result helps investors to make certain decision especially short/medium term trader in order to fix entry and exit strategy in market.
1st quarter= January to March
2nd quarter = April to June
3rd quarter= July to September
4th quarter= October to December

HOW DO NSE FIX PRICES OF STOCKS.

The share prices of stocks are often driven indiscriminately in the secondary market, to attract higher prices for publicoffer prices. The advantage is still to the investors who can easily Bid/buy at discount or low price and Ask/sell when the price move up. In case where the secondary market is down , this is normally temporary but in long term trading or portfolio it will yield higher more than the initial buying price.

OK ! WHAT ARE THE FACTORS THAT DRIVE STOCKS PRICE
UP OR DOWN.
• The forces of demand and supply which makes the prices of securities to rise or low. When demand is more than supply, the prices of the stock in high demand will definitely rise and vice versa.
• The past perormance of the company in terms of profit, bonus history,dividends.
• The future outlook or prospect of the issuing company in terms of profit making or trend.
• The prices and demand for the product of the issuing company affect the prices of its securities.
• The possibility of a merger of a company with another company tends to affect the prices of such stocks e.g proposition of merging of Ecobank and Sterling Bank of Nigeria. Ltd.
• Invention of new products and technology of production affects the prices of securities of a company.
• The rate of fluctuation in the value of money.
• Rumours about the market prices of securities affect the present prices of securities.
• The maturity date of redeemable securities tends to affect their prices.
• Public offers
• Government policies on industries affect the prices of securities on the floor of NSE.
• Fiscal and monetary policies.
• Political atmosphere in a country has great impact on stock prices,economic atmosphere as well.

WHY? REASONS FOR INVESTING IN SHARES/ STOCKS

There is a lot of benefits of investing in stock :
1. CAPITAL APPRECIATION/GAIN: NSE provides an avenue for quick capital growth within short term trade.capital gain in stock market is the percentage increase in prices of such equity. Assume you bought 20,000 unit of First Bank shares in 2007 at #33 per share in public offer and in december you sell at #72, as a result of this you will made a profit of #780,000 in less or six months time.

2. COLLATERAL SECURITY : the share certificate or Central Security Clearing System [CSCS] statement could be used as collateral security to secure loan in finance houses.

3. LIQUIDITY : the stock market provide an excellent facility for easy buying and selling of shares [T+3] that means transaction day plus threee other business day. Assume, you buy /bid shares today at the rate of #5.00 and it rises to #9.00 in a months time, which means you could sell off your shares within 4 days.

4. DIVIDEND : this is the sharing part of the profit made by the company you invested, in which it is shared per unit of share multiply by the quantity you hold or purchased.

Stock your unit Dividend per unit Total worth
Oando 10,000 3.50 #35,000
Breweries 1,000 4 #4000

5.BONUS & RIGHT ISSUE: bonus share are free shares given to existing share holders of a particular company in respect to the number of your holdings e.g Oando in year 2008 declered 1: 5 [ that is 1 share for 5],while right issue is the priviledge given to existing share holder to buy an aditional shareat reduce price e.g Oando plc right issue for the last offerin 2004 was sold for #95 while #108 on the floor and #97 for public offer.

6. Opportunity of attending annual general meeting.

7. It serves as an asset.

8. Accumulation of wealth and elimination of poverty, inculcation of savings habit.

9. TRANSFERABLE : from one person to another,generation to generations.

10.FLEXIBILITY: part of the stock can be sold and part retained anytime you want to.

HOW TO PARTICIPATE IN STOCK TRADING.

You can participate in stock investment through primary market and secondary market operation:

[A.] THROUGH PRIMARY MARKET: it is the market that offer new stock or securities to the public via :
• Initial public offer [IPO]
• Private placement [PP]
• Public offer [PO]
• Right issue [RI]

• IPO : means the first approach of a company is making to the public for the purchase of its shares.

• PO: means that the equities or company has been listed on NSE but needs additional fund as a result of inviting members of public to add or buy its shares either on discount or at par e.g Zenith bank plc. Share is 9million plus and offer another 3million worth,making their total volume of shares more than 12million.

• PP: is an investment window that is privately done through invitation to a specific individual, organisation by limited liability company trying to make entry to capital marketor NSE list.

• Offer for subscription : is an invitation for you to buy freshly created shares of a company. In that case no one had ever owned the shares before you.

• Offer for sale : is an invitation to buy already existing shares owned by another investor. In essence,the investors previosly owning the share is fully or partially divesting and willing to sell to the public.

STEPS TO MAKE MONEY IN PRIMARY MARKET.

Get the primary market forms be it IPO, PO,RI or PP or even bonds, all these forms can be obtained through agents like banks,issuing houses and stock broking firms.you can mandate your broker to get you one.

Fill the form appropriately. You can also be guided by your broker or the receiver agent where you collected the form. Note there are no charges when undertaking public offer transaction.

Submit your form with an amount you had bid to the receiving agent and make sure you collect a receipt which is an evidence of purchase. Payment can be done by cash or by cheque depending on the receiving agent.

In few weeks or months the amount or unit of shares alloted to you will be mail to your box and if it part of your biding , the remaining fund will be refund to you.[you can if any,register with your CSCS account number, because it will fasten the process].

In few weeks or months time , the certificate bearing your name and other details will be sent to your mail bag or at registered venue.

Make sure while registering your data in the form,be accurate and put valid datas.

[B] THROUGH SECONDARY MARKET : it is the market where securities are bought or sold through CSCS account by mandating or ordering of stock broker. It is the existing securities that are listed on Nigeria stock exchange.

Secondary market comes in when the money has been received by issuing house and transfered to the fund seekers that is the quoted company [listed on NSE]. Your unit bought is now downloaded or transfered on the floor from where you can trade for capital appreciation or get your portfolio built-up on the Central Security Clearing System[CSCS].

STEPS TO MAKE MONEY IN SECONDARY MARKET.

• Locate good and efficient stock broker firm, that is a good and efficient. Stock broker as a lot of effect on your trading in secondary market, who will perform your mandate/order to buy/sell as sooner as possible and get the result within 4 working days.

• Get your CSCS account : it is stock account and free to open .it can be open through your stock broker who act on your behalf.

You can obtain the CSCS form through: stock broker,nearest NSE/CSCS office or Online/net www.nse-cscstradealert.com

Central Security Clearing System[CSCS] : it is a trade alert scheme. It is initiated by NSE in which all your buying and selling transactions will be notifies through SMS.it is the only functions as a safety valve and clearing house of the NSE .it issues statements of account and carries out share-holding documentation for investors. It also helps to prevent fraudulent activities on the stock exchange by maintaining a central accounting and computerised control system for monitoring stockholders account and adequately keeping track of all transactions.

• Accessibility of CSCS account can be done on internet by account holder base on his wishes by applying but it incur annual charges hence it is not compulsory for all investors.

• DATA REQUIREMENTS FOR CSCS ARE : valid I.D e.g international passport/drivers license, 2 passport photograph, Household bills.
After these,SMS notification will be sent to your phone number indicating your CSCS account number, names e.t.c. the transactions being performed on your CSCS number will be notified to you either your Bid/buy or Sell/ask.

• Upgrade your capital to invest i.e buying and selling.

• How do i know which type of stock to buy/sell even that will yield in short term period? You can pick stock base on your ability to read market, forecast e.t.c

• How to read and know good to buy, appropriate time to dispose for profit? You simply buy when you observe the price is low and sell when it is high within short or medium term period.

• How do i buy or sell ? you can buy through order /mandate given to your stockbroker and sell as well.


• How do i cash my return or capital gains? After given mandate to your broker to sell and the broker act to it within 4 working days, draft or cross cheque will be raise bearing your name used to registered , you can present the cross cheque at any current account with Nigeria banks to cash it.

GENERAL OBSERVATION ISSUES & NOTES.

• You make money in stock market not by buying in public offer only but by opening a CSCS account with your stock broker. After which you tell him what to buy and you start watching the price movement yourself. When the price is up, you mandate your stockbroker to sell, so in stock trading you tell your broker what to buy and when to sell.

• To turn over your money in stock trading is so easy e.g #10,000 into #50,000 within months,master the picking principles,move your money from one stock to another within weeks or quarters.

• Small cap/penny stocks have the ability and potential of rising faster than blue or expensive stocks.it can give about 100% to 1000% in few months.

• The best way to start making huge capital gains is to start trading on short term basis through weekly or monthly professional prediction and your own forecast as well. It has the quality to turn capital outlay about 4times or more in a year. Long term porfolio is good for pension or retirement planners,kids by their parents,personality purpose,chairmanship or directorship post.

• Most, if not all the expensive stocks now were sometimes penny in years back e.g First bank in 1992 is #2.00 per unit but in 2007/2008 worth #72 per share. Expensive or blue chip stock are those stocks that have consistent good performance over the years in terms of profits, goodwill, dividend payout, bonus e.t.c.

• CSCS is real, even if your stocck broker fails or you feel to change him for some reasons or could not meet up to the recapitalization processes,your CSCS account number deals directly with NSE and the value in it, is not money or real capital but convertible unit or fragment of shares that can be easily converted into cash.

• You cannot paid in or withdraw without the permission or going through stock broker. CSCS account does not yield interest but the value or unit of stocks in the portfolio may increase in unit through bonus issue,dividend payout and increasing of the prices per unit.

• You can check your portfolio or account on internet yourself for monitoring. It can be activated through your stock broker on demand but it incure annual charges.

• In secondary market, stock broker don’t have to border about your stock, you have to be the one to border about your portfolio if any, it must be on your own consent with certain percentage to manage your portfolio. You will tell what to buy and when to sell, because your stock broker is not to bear risk for you in the stock market.

• The secondary market is a market that gains its popularity from massive stock trading activities on daily basis, with all classes of investors exchanging stocks for cash and cash for stocks in

securities format and both situation influencing the market capitalisation of the exchange, either on the upside or down swing.

POSITIONING OF STOCK TRADING DURING BULLISH /BEARISH PERIOD.

BULLISH PERIOD: it is the period whereby one Buy/bid particular equity with the hope,believe and decision indicates that the price will rise. As a result of rising above biding price or targeted price, one may sell at higher price to make profit.it could take 1,3,6,12 or more months to appreciate to targeted prices.

BEARISH PERIOD : it is short position. The time at which the investors anticipate, feels,forecast or observe that the equity or security’s price will fall thereby enabling the investors to sell the security for cash and make profits. This is the best time to get good stocks at cheap price because when investors take profit on such stock will depress it capitalization hence cheaper at this period.

STOCKS CLASSIFICATION.

• SMALL CAP OR PENNY STOCK : it is stock of #10.00 and below. They are small in value but gives high returns like 200%, 500%,1000%. They are known as underpriced stocks. Robert T. Kiyosaki, a great american investor said he predominantly trade with low priced stock.
• GROWTH STOCK : they are the stock with prices ranges from #10.00 and below.
• BLUE CHIPS : are ranges from within #20.00 and above .

• DEFENSIVE OR RESIDUAL INCOME STOCK : they pay their holders high dividend.

HOW TO PICK GOOD SMALL CAP/ PENNY STOCKS.

1. The stock must has a good and consistent profitability.

2. Consider the volume or number of shares, share with low volumes enable the quick move up of the stock price.

3. It must has good growth in turnover, gross earnings or premium.

4. There must be changes in the profit after tax.

5. It must maintain debt free and good management.

6. The past five year financial report should be check and free of financial problems.

End of the year stock prices.

STOCK 2000 2001 2002 2003 2004 2005 2006 2007
Wema 1.88 3.76 5.75 4.35 3.74 3.74 3.25 15
Livestock 3.8 3.45 3.45 2.83 2.83 2.83 0.95 3.81
Dunlop 3.91 3.36 2.7 2.3 2.16 2.79 4.16 3.3
Incar 1.02 1.47 1.9 1.71 1.3 1.02 6.88 8.7
Eternal oil 0.92 1.3 0.7 2.01 1.99 3 3 16.8
C &l leasing 1.47 1.25 1.08 2.2 1.49 1.14 1.22 8.5
Rean 4 4 3.42 3.2 5.01 3 2.77 3.15
Crusader 2.12 2.7 0.97 1 0.7 1.5 2.55 6.75
Cornerstone 2.01 1.62 1.33 1.63 1.25 1.51 0.9 4.83
Vitafoam 4.42 4.4 6 3.8 3.5 4.73 4.14 10.31
Vono pro 2.01 1.87 1.85 1.46 1.9 1.75 1.6 4.4
STOCK 2000 2001 2002 2003 2004 2005 2006 2007
Boc 7.7 4.35 3.14 2.99 3.08 3 3.3 9.5
Phamad 2.75 2.63 2.45 2.62 5.42 4.14 2.97 5
Neimeth 5.44 5.44 4.45 2.44 2.94 3.23 3.26 5.46
MAY&B 4.4 2.5 1.87 4.09 5.2 5.35 8 13.45
Evans 1.4 1.5 1.56 2.5 3.01 0.5 5 6.77
Utc 0.67 0.99 0.74 0.72 1.15 0.92 1.29 3.93
Aglev. 1.18 0.91 0.62 0.65 1.23 1.16 1.86 5.35
Access 1.35 1.3 1.82 3 3.42 2.99 6.96 24
Dnmeyer 5.6 10.1 4.1 7.75 5.25 4.33 2.99 8.33
Berger 2.92 2.6 2.4 3 4.85 4.03 3.85 10.65
Aiico 3.12 2.99 1.31 2.45 1.67 0.52 1.74 3.43
Prestige 3.03 2.15 2.83 2.68 1.67 2.39 2.99 8.5
Wapic 2 2.01 1.6 1.05 2.65 3.32 3.83 7.9

HOW TO AVOID LOSS TRADING SMALL CAP OR PENNY STOCKS.

Anything in life is risk, even life or world we live, is full of risks which result to the existence of INSURANCE COMPANIES. Any business has its own risk but there are various measures to curtail or reduce such risk and possibilities of utilizing it into an opportunities.
In stock, to avoid risk you need research,strategies and information to keep the edge above others. Remember, the higher the risk the higher the returns.
STEPS TO AVOID LOSS.

1. The stock must have a trading stock feature that is behaviour, you check the low price period and the high price period and the ability of the news to affect it. Do not buy stock that when you checked it last year, it is the same price with what it was this year. Means that the price doesn’t move upward or downward,but stagnant.

STOCK PRICE@07 PRICE@JAN. 08 PRICE@APRIL08
Champion 3.31 3.31
Goldenguinea 0.68 0.68
Ceramic 0.25 0.25 0.25
Nigercem 5 5 5
African paint 3.49 3.49 3.49
Wema 15 15 15
The prices can be affected or move high or low due to activities in terms of bonus,dividend,public offer,merger,management culture.

2. The reason for the low price of the stock or what causes the low price of such stock should be observe either due to bad management or lack of fund.

3. Market capitalisation, it is the total market value or worth of a particular equity and it attracts both local and foreign investors.it is get by the current price multiply by total number of shares= market capital.

4. Check and use the result of a company per quarter, because it has a great effect on the movement prices of a share.if the 1st or 2nd quarter you can make entry in 3rd .

5. News analysis. Change in management of a company,release of operating results news,dividend payout,bonus issue,right issue,technical corrections.

6. Have an ENTRY and EXIT strategy; there must be an targeted entry and exit principles towards the stock market in holding particular stock in order to avoid drop down of prices and to take profit if trading on short term basis.

7.Interact , inquiry from professional,stock analyst,co-trader,newspaper ,magazines and other to compare your own consent and forecast in respect to your stocks picking.

8. Don’t always trade low or small cap stocks rather oftenly trade growth or blue chips that is less expensive with good fundamentals.

9. Utilize the advantage of entry period in terms of price period e.g highest price,middle price, or lowest price.

10. The best time to buy a stock even expensive one is bearish period when profit taker impact the market. When it is still in it’s resting period but make use of EPS and P/E ratio.

11. The management must be effective,efficient and innovatives.

12. Taking note of the news on re-engineering,re-packaging,take-over,buy over or positive upward building of the organisation.

13. Sector to sector reviews. In year 2008,april Banking and Insurance sector are most trade as a result.

NEWS THAT IMPACT STOCK PRICES.
The prices of stock most often move upward if there is certain information and news about the secondary market:

1. RESULTS : the release of result of the financial status of the company tends to highly increase the price because the forces of demand and supply will be varies. Many investors will want to buy certain equity while those that had it may not want dispose the stock. Meanwhile, if there is higher demand than supply, the prices will move up. For example, demand or application exceed the supply in First Bank 2007 public offer,while offer is #100billion while after the offer,total applicant worth #400billion as a result the price move from #33 before offer to about #72 in few months time after the offer it due to forces of demand and supply.
Types of result are Quarter/interim result,End of the year result[release or expected]

2. MANAGEMENT: the information on the management affects the change in price of stocks. The effectiveness and efficiency or innovative of the management will determine how far the price of their stock to rise upward or downward. For example, take over of the Benue cement by Dangote management, which drastically change the stock price about 700% capital gain within 2months.

3. PUBLIC OFFER: any company that is coming out for public offer will definitely have it’s stock price move up.

4. DIVIDEND AND BONUS : the payout of dividend to investors and given of free share to shareholders holding particular unit,thereby enabling the high patronage of the stock by investors and holders will not want to dispose as a result the stock will be scarce hence the stock will definitely rise.

5. GOVERNMENT POLICY: the government actions or policies to control the economy may favour or unfavourable some sector of securities e.g banned of importation of some products like sugar,livestock and more tend to improve local manufacturer of this products. Tax holiday or free,excise free for exportations and other government monetary and fiscal policy as great effect on equities.

6. TREASURY BILLS & OTHER INVESTMENT WINDOWS: if the Return On Investment[ROI] in other investment is greater or considerable to stock market will impact the level of market capitalization and investors as well e.g bonds, public offer, real estate,private placement and many more.

7. ACQUISITION,MERGER/TAKEOVER: it is the coming together of companies in horizontal or vertical level of production in order maintain and improve mode of operation towards profits,productions and other fundamentals.

RISK REDUCTIONS CODE.

Have a target entry period [low,high or middle] and exit period.
Have a written down plan. 
Research about the market.
Have a targeted exit price.
Plan towards possibility of risks.
Wait for another cycle or quarter.

RISK AVOIDANCE CODE.

Buy only in the 3rd quarter, if the 1st,2nd,3rd quarter result is good.

Buy stocks that you know that you can hold for more than one financial year.

Buy stocks that you know you can hold even when you know that the market can close down.

RISK SPREAD CODE.

Try to invest in different sectors,but you must make sure it is liquid. Never put all your eggs in one basket. 
Never buy stocks under pressure. Do not invest in what you don’t understand.

WHERE TO GET MATERIALS FOR ANALYSIS.

Newspaper and magazines.

Success digest extra : it is twice in a month publication.

Stockwatch : it is weekly publication.And other publications.

Online :
www.proshareng.com www.nigerianstockexchange.com

www.firstinlandsecurities.com www.sterlingcapitalng.com

Radio :

Premier FM Wednesday,by 9.30am

Star FM 101.5/DSTV radio, Monday-Friday by 8.45-9.00am.

Guidance and issues

Sanmi Akindipe: sanmiakindipe@yahoo.com 08033597235.
AbayomiObabolujo:stockwatchmag@yahoo.com08037268265
Lanre Oyetade : lanreoyetade@yahoo.com 08055072371.
Hope Eno : hopeeno@sadcnigeria.org 08023982600 SMS

PRACTICAL TOOLS TO USE IN PICKING VIABLE STOCKS.

• News
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• Total number of shares

• Quarter performance

• Expected or released financial year end result
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• Earning per share and Price earning ratio EPS & P/E
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• Annual report [long term investment]
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• Five year financial statement
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• Bullish and Bearish period
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• Market capitalisation

Visit:www.millionairetutors.blogspot.com
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