Guaranteed Personal Loan

Guaranteed personal loans are a wonderful option and can be utilized for a variety of reasons. With a wide range of lenders competing today, a borrower has a wider choice of options available. Here is an overview about the type of loans, their uses, benefits, drawbacks and finer points.

Uses of guaranteed personal loans

Guaranteed personal loans can be used for a variety of reasons. This can include home improvements, purchasing furniture, dream holidays, to pay off high interest rate loans and credit cards, debt consolidation, medical expenses, starting up business or pretty much any other reasons you can imagine as long as it’s legal! These can also be used to fill the gaps between paydays with necessary funds. These can be obtained from banks, specialist loan companies, credit card companies and other financial institutions. These are easier to obtain if you have collateral to secure them against.

Requirements to qualify for a guaranteed personal loan

While it is easy to qualify for and obtain a guaranteed personal loan, lenders make the process tougher by often asking for unnecessary documentation. However the important documentation that is often required includes credit reports, proof of identity, proof of residence, salary statements, bank statements, your attest salary slip and proof of your duration of employment. Employment information is sought because a guaranteed personal loan requires the borrower to have a certain income level per month. These loans also require a good credit rating for the borrower to gain approval.

The market

Today’s market for loans and the loans industry has evolved to a large extent. Over a decade ago it would not have been as easy to obtain a guaranteed personal loan. However, today the market has changed with increasing numbers of players and options. With the Internet entering the scene, applying for such loans and processing them has become much faster. Different providers continue to offer lucrative options to tantalize and encourage customers to place their business with them.

While this creates a happy scenario for prospective borrowers, it may be wise to remember that the cheapest loan is not always the best. Consider the loan provider and their reputation in the market before deciding to apply for the loan. Read the small print carefully and look out for the interest rate, pre payment penalties and delayed payment penalties if any. Moneyeverything.com offers comprehensive loan comparison service with options for those who are on the lookout for a good loan. Visit www.moneyeverything.com and check out loan details with advice and answers to your questions.

I write articles on Loans. For more details please visit http://www.moneyeverything.com

[tags]Guaranteed personal loans, personal loans, loans[/tags]

Guaranteed Personal Loan

Guaranteed personal loans are a wonderful option and can be utilized for a variety of reasons. With a wide range of lenders competing today, a borrower has a wider choice of options available. Here is an overview about the type of loans, their uses, benefits, drawbacks and finer points.

Uses of guaranteed personal loans

Guaranteed personal loans can be used for a variety of reasons. This can include home improvements, purchasing furniture, dream holidays, to pay off high interest rate loans and credit cards, debt consolidation, medical expenses, starting up business or pretty much any other reasons you can imagine as long as it’s legal! These can also be used to fill the gaps between paydays with necessary funds. These can be obtained from banks, specialist loan companies, credit card companies and other financial institutions. These are easier to obtain if you have collateral to secure them against.

Requirements to qualify for a guaranteed personal loan

While it is easy to qualify for and obtain a guaranteed personal loan, lenders make the process tougher by often asking for unnecessary documentation. However the important documentation that is often required includes credit reports, proof of identity, proof of residence, salary statements, bank statements, your attest salary slip and proof of your duration of employment. Employment information is sought because a guaranteed personal loan requires the borrower to have a certain income level per month. These loans also require a good credit rating for the borrower to gain approval.

The market

Today’s market for loans and the loans industry has evolved to a large extent. Over a decade ago it would not have been as easy to obtain a guaranteed personal loan. However, today the market has changed with increasing numbers of players and options. With the Internet entering the scene, applying for such loans and processing them has become much faster. Different providers continue to offer lucrative options to tantalize and encourage customers to place their business with them.

While this creates a happy scenario for prospective borrowers, it may be wise to remember that the cheapest loan is not always the best. Consider the loan provider and their reputation in the market before deciding to apply for the loan. Read the small print carefully and look out for the interest rate, pre payment penalties and delayed payment penalties if any. Moneyeverything.com offers comprehensive loan comparison service with options for those who are on the lookout for a good loan. Visit www.moneyeverything.com and check out loan details with advice and answers to your questions.

I write articles on Loans. For more details please visit http://www.moneyeverything.com

[tags]Guaranteed personal loans, personal loans, loans[/tags]

Growth in Tech Becoming an Issue

The tech sector will continue to be the place to make money but it is also a sector that can be quite volatile. One major mistake and you can find yourself on the sidelines looking in.

Over the last two weeks, I have been noticing several key bellwether technology stocks warning of slower growth or reduced expectations. The problem is when the NASDAQ is rising as it has been in 2006, you really have to take a step back and evaluate the current situation.

Internet advertising king Google Inc. (GOOG) recently warned investors to expect slower growth. The stock sold off and investors started to question the valuation of the tech sector.

It was the first warning ever by Google and shows that no company is immune to bad news. Of course, Google executives subsequently tried to reassure investors that all was not bad and that it would eventually become a $100 billion company.

The reality is Google appears to be giving out mixed signals and in fact is just trying to do some damage control, especially when the stock has seen tens of billions of dollars in market-cap vaporized. The truth of the matter is there clearly are some growth issues. And if the advertising cycle reverses or slows, Google could be heading much lower than the current price.

Just last week, another Internet bellwether stock, Yahoo Inc. (YHOO) warned investors to expect lower revenues in its first quarter, something that should be viewed a red flag to investors.

Research in Motion (RIMM, TSX/RIM) made a downward revision in its Q4 earnings to between $0.64 and $0.64 per diluted share, down from the previous forecast of $0.76-$0.81. Q4 revenues were axed to between $550 million and $560 million, down from $590 million to $620 million. The consensus Street estimate was $0.78 per diluted share on revenues of $608.6 million according to Thomson First Call.

RIMM attributed the decline to uncertainty regarding its e-mail service in the United States, but it may also signal market share gains by its rivals.

On Monday, bellwether Texas Instruments (TXN), the top supplier of mobile phone chips, gave the market a mixed message. Texas increased the lower end of its profit range for the first quarter to $0.31 per share, up from the previous low end of $0.29 per share. The problem was the top end was left unchanged at $0.33 per share, something the market was clearly not happy about, with some selling in the stock in after hours trading on Monday.

The point is the market wants to hear good news and Texas failed to provide it. Even on the revenue side, the new range of $3.22 billion to $3.35 billion was marginally light on the top end compared to the previous range of $3.11 billion to $3.38 billion provided in January.

So despite the strong sentiment towards the NASDAQ and tech stocks this year, the recent reports from some of the key bellwether stocks may make you want to take a pause.

Note: you are welcome to post this article on your site if it is financial related. You must cut and paste the bio and make sure the web site link is live. Also please e-mail me to let me know.

George Leong is the founder of Investornomics.com (http://www.investornomics.com) - a provider of independent stock and option trading commentary. He has a degree in finance/economics and offers over 15 years of research experience in investing and trading.

[tags]stocks,investing,trading,options,technical analysis,george leong,money,finance,small cap stocks[/tags]

Growth in Tech Becoming an Issue

The tech sector will continue to be the place to make money but it is also a sector that can be quite volatile. One major mistake and you can find yourself on the sidelines looking in.

Over the last two weeks, I have been noticing several key bellwether technology stocks warning of slower growth or reduced expectations. The problem is when the NASDAQ is rising as it has been in 2006, you really have to take a step back and evaluate the current situation.

Internet advertising king Google Inc. (GOOG) recently warned investors to expect slower growth. The stock sold off and investors started to question the valuation of the tech sector.

It was the first warning ever by Google and shows that no company is immune to bad news. Of course, Google executives subsequently tried to reassure investors that all was not bad and that it would eventually become a $100 billion company.

The reality is Google appears to be giving out mixed signals and in fact is just trying to do some damage control, especially when the stock has seen tens of billions of dollars in market-cap vaporized. The truth of the matter is there clearly are some growth issues. And if the advertising cycle reverses or slows, Google could be heading much lower than the current price.

Just last week, another Internet bellwether stock, Yahoo Inc. (YHOO) warned investors to expect lower revenues in its first quarter, something that should be viewed a red flag to investors.

Research in Motion (RIMM, TSX/RIM) made a downward revision in its Q4 earnings to between $0.64 and $0.64 per diluted share, down from the previous forecast of $0.76-$0.81. Q4 revenues were axed to between $550 million and $560 million, down from $590 million to $620 million. The consensus Street estimate was $0.78 per diluted share on revenues of $608.6 million according to Thomson First Call.

RIMM attributed the decline to uncertainty regarding its e-mail service in the United States, but it may also signal market share gains by its rivals.

On Monday, bellwether Texas Instruments (TXN), the top supplier of mobile phone chips, gave the market a mixed message. Texas increased the lower end of its profit range for the first quarter to $0.31 per share, up from the previous low end of $0.29 per share. The problem was the top end was left unchanged at $0.33 per share, something the market was clearly not happy about, with some selling in the stock in after hours trading on Monday.

The point is the market wants to hear good news and Texas failed to provide it. Even on the revenue side, the new range of $3.22 billion to $3.35 billion was marginally light on the top end compared to the previous range of $3.11 billion to $3.38 billion provided in January.

So despite the strong sentiment towards the NASDAQ and tech stocks this year, the recent reports from some of the key bellwether stocks may make you want to take a pause.

Note: you are welcome to post this article on your site if it is financial related. You must cut and paste the bio and make sure the web site link is live. Also please e-mail me to let me know.

George Leong is the founder of Investornomics.com (http://www.investornomics.com) - a provider of independent stock and option trading commentary. He has a degree in finance/economics and offers over 15 years of research experience in investing and trading.

[tags]stocks,investing,trading,options,technical analysis,george leong,money,finance,small cap stocks[/tags]

Going Public via Initial or Direct Public Offering The Role of Your Board of Directors

A company’s board of directors can play an important role in determining the kind of funding a public offering receives. If going public is your goal, the selection of board members should be given especially careful consideration.

The board of directors serves a couple of important functions for a company that has gone public or plans to in the near future. First, the selection of particular board members can send a signal to investors regarding the quality of a company and the expertise behind the scenes. A board that is composed of highly-regarded experts in a field will be viewed much more favorably than a corporation with a board made up primarily of insiders. Knowledgeable outside experts bring connections, expertise, and a lack of bias that cannot be obtained with insiders.

The board of directors also serves as a powerful ally to stockholders, particularly when a company’s CEO doesn’t own a controlling share of the corporation. In addition to providing guidance, the board of directors may have the ability to overrule the CEO. In some cases, it can even remove the CEO from the company. Because all major corporate issues go through the board of directors, stockholders are wary of a company with too many insiders on the board.

In preparing for an initial public offering, it may be necessary to establish a board of directors or change the composition of your existing board. To maximize the effectiveness of your board, be prepared to perform a realistic assessment of your current management, along with its strengths and weaknesses. In areas where your management is weak, select board members who are strong. This ensures that board members can be an actual asset to the company as opposed to mere placeholders.

Because the board of directors exists to oversee the corporation and preserve shareholder value, it is important that your board is perceived as objective, if not slightly biased in favor of stockholders. While appointing outsiders is a good start, it’s also important to align the incentives of the board members with those of the shareholders. Providing compensation to board members in the form of company stock is an excellent way to accomplish this. If the board of directors does well when the company does well, the board of directors will be much more inclined to ensure that the company performs well.

While the relationship between management and the board of directors may seem adversarial at times, it’s important to remember that everyone involved has the same larger goal, to ensure the well-being of the company. Unfortunately, numerous opportunities exist for unscrupulous managers to sacrifice the company’s best interest for personal gains, leading to occasionally tense relations for even the most honest managers. Understand why the board of directors exists and learn to consider the board members your allies instead of your enemies. By working together towards the common goals of profit and expansion, your shareholders will grow to trust that your company and your board of directors is acting in everyone’s best interest.

Joel Arberman is the Managing Member of Stock Aware, LLC. We publish a free investment research and analysis newsletter and offer investor relations and investor awareness services. Learn more at StockAware.com

[tags]going public, initial public offering, ipo, finance[/tags]

Going Public via Initial or Direct Public Offering The Role of Your Board of Directors

A company’s board of directors can play an important role in determining the kind of funding a public offering receives. If going public is your goal, the selection of board members should be given especially careful consideration.

The board of directors serves a couple of important functions for a company that has gone public or plans to in the near future. First, the selection of particular board members can send a signal to investors regarding the quality of a company and the expertise behind the scenes. A board that is composed of highly-regarded experts in a field will be viewed much more favorably than a corporation with a board made up primarily of insiders. Knowledgeable outside experts bring connections, expertise, and a lack of bias that cannot be obtained with insiders.

The board of directors also serves as a powerful ally to stockholders, particularly when a company’s CEO doesn’t own a controlling share of the corporation. In addition to providing guidance, the board of directors may have the ability to overrule the CEO. In some cases, it can even remove the CEO from the company. Because all major corporate issues go through the board of directors, stockholders are wary of a company with too many insiders on the board.

In preparing for an initial public offering, it may be necessary to establish a board of directors or change the composition of your existing board. To maximize the effectiveness of your board, be prepared to perform a realistic assessment of your current management, along with its strengths and weaknesses. In areas where your management is weak, select board members who are strong. This ensures that board members can be an actual asset to the company as opposed to mere placeholders.

Because the board of directors exists to oversee the corporation and preserve shareholder value, it is important that your board is perceived as objective, if not slightly biased in favor of stockholders. While appointing outsiders is a good start, it’s also important to align the incentives of the board members with those of the shareholders. Providing compensation to board members in the form of company stock is an excellent way to accomplish this. If the board of directors does well when the company does well, the board of directors will be much more inclined to ensure that the company performs well.

While the relationship between management and the board of directors may seem adversarial at times, it’s important to remember that everyone involved has the same larger goal, to ensure the well-being of the company. Unfortunately, numerous opportunities exist for unscrupulous managers to sacrifice the company’s best interest for personal gains, leading to occasionally tense relations for even the most honest managers. Understand why the board of directors exists and learn to consider the board members your allies instead of your enemies. By working together towards the common goals of profit and expansion, your shareholders will grow to trust that your company and your board of directors is acting in everyone’s best interest.

Joel Arberman is the Managing Member of Stock Aware, LLC. We publish a free investment research and analysis newsletter and offer investor relations and investor awareness services. Learn more at StockAware.com

[tags]going public, initial public offering, ipo, finance[/tags]

Going Public via Initial or Direct Public Offering The Role of an Underwriter

Perhaps the most visible and familiar element of the initial public offering process is the underwriter. The underwriter is the organization that is actually responsible for pricing, selling, and organizing the issue, and it may or may not provide additional services. With direct public offerings, there is no need for an underwriter.

Selection of a good underwriter is of the utmost importance, but it’s important to understand that many underwriters are equally selective of their clients. Because an underwriter’s reputation depends on successful issues, few firms will be willing to stake their reputation on questionable companies.

When selecting an underwriter, it’s important to seek out an established company with a good reputation and quality research coverage in your field. The decision may also depend on the kind of agreement the underwriter is willing to make regarding the sale of shares. For profitable and established private companies, it shouldn’t be difficult to locate an underwriter willing to make a firm commitment arrangement. Under such an agreement, the underwriter agrees to buy all issues shares, regardless of ability to sell them at a particular price.

For riskier or less established companies, an underwriter may offer a best efforts arrangement for the initial public offering. A best efforts contract requires the underwriter to buy only enough shares to fill investor demand. Under this arrangement, the underwriter accepts no responsibility for unsold shares.

Aside from fees and sales arrangements, most underwriters are fairly similar in their roles. An underwriter will assist in the preparation and submission of all appropriate SEC filings, helping potential investors make informed decisions about your offering. All underwriters are required to exercise due diligence in verifying the information they submit, so a certain amount of investigation should be expected from any responsible underwriter.

In addition to SEC registration filings, the underwriter will create a preliminary prospectus that will become a major part of the issue’s marketing campaign. This document is also referred to as the red herring, after a small red passage in the document that states that the company is not attempting to sell shares prior to SEC approval.

Once SEC approval is obtained, the underwriter and the corporation will embark on a road show to gauge and attract interest from investors. While the road show does not involve getting binding commitments from investors, it helps the underwriter determine the best strategies for pricing and issuance.

After the initial public offering, the underwriter continues to provide services for the newly public corporation. For months or even years after the offering, the underwriter may continue to make a market for the stock, ensuring liquidity for investors and making the shares more desirable. Twenty-five days after the issue, the underwriter is also permitted to make statements or projections regarding the company and its prospects. Prior to that time, there is an SEC-mandated quiet period, since investors are forced to rely only on the documents filed by the underwriter. Most underwriters opt to provide favorable coverage at the end of the quiet period.

Because an initial public offering is so complex and expensive, it’s important to have a good understanding of what to expect from an underwriter. Without knowing what to expect, it’s impossible to make a wise and informed selection.

Joel Arberman is the Managing Member of Public Financial Services, LLC. We help private companies through the process of becoming publicly traded via an initial public offering (ipo) or direct public offering. Learn more at Public Financial Services

[tags]ipo, finance, going public, go public, direct public offering, initial public offering, underwriter[/tags]