Get help from an accountant and draw up a plan to show your creditors what you are going to do about your cash crisis. While the assessment should be realistic, you don’t want it to be so gloomy that investors and creditors panic and refuse to supply the goods you need.

At the same time, never promise something that you won’t be able to deliver. If things are bad now, they are not likely to improve any time soon – at least not without hard work. But if you promise stuff that you can’t and don’t deliver on, then you will destroy that bit of hope and trust that is left. If you can still make a small payment on bills that you owe, it demonstrates good faith on your part and makes creditors feel you can be trusted.

Once you have the meetings set up, behave in an appropriate manner. If you go in biting your nails and looking harassed, it won’t exactly inspire confidence. But if you tell them straight out what the problem is and then present a reasonable plan to fix it, then that will be more likely to inspire trust. While you do need to be honest, it’s not necessary to reveal absolutely everything – especially if that would prevent your suppliers from dealing with you again. Balance is the key; the problems of the present must be balanced with the hope for the future. In this way you will be able to manage your cash crisis and hopefully, learn from it for the future.

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According to analysts, a deep value stock can be defined as something which is low priced in relation to the margin of safety the stock provides, to limit losses when a mistake is made. Lets get some insight into how to identify these stocks, what should be your ideal portfolio allocation and reasons behind their low valuations in the market.

SLEEPING GIANTS

They are like any other stock traded on the exchange, but there is no hypothetical understanding of them. A section of traders on the Bombay Stock Exchange even call these stocks as ‘sleeping giants’.

There are two ways in which you can identify a deep value stock.

First, what Benjamin Graham recommends for the defensive investors in his 1949 classic – that the stock price should not be more than 15 times its average earnings per share over the past three years and the overall PE of the portfolio should not be more than 13. Or

Second, the stock should be trading below its 10-year median PE. The other things to be kept in mind is to stick with companies that have a long history of consistent profit growth and steady dividend payouts and the fact that not every cheap stock would turn out to be a bargain. He believes that PSU banks like Oriental Bank of Commerce, which is trading at a PE of 5.6 with book value of Rs 240 for FY09, is a perfect example of a deep value stock. “In a growing economy like India, banks should do well as the GDP expands,” he reasons.

These stocks generally remain neglected by the stock markets. The best (or you may call it worst) part is that people know it’s a great story but still they don’t want to touch it. If one saw the real estate boom in India five years back and bought into Unitech, his portfolio returns would have multiplied phenomenally.

As far as portfolio allocations are concerned, analysts feel that an investor could invest 80% in growth stocks and 20% in value stocks (after keeping some cash balance or investments in fixed income instruments). In case of a pure deep value investor, that typically 80% the investment of investible funds should be in these stocks and 20% of the funds should be kept aside for fixed income instruments or cash balance. “However, a hybrid investor should follow a strategy in between the two. The basic principle followed is the Pareto’s principle – the 80/20 rule.

SOW TO REAP

Though opinions differ on an ideal investment horizon, most analysts agree that it should not be less than a year and which could extend up to three to five years to reap big dividends. The first thing an investor needs to do is to ask himself whether he is a speculator or an investor. “If he is a speculator, then there is no chance for him to stay in these stocks. If he is an investor, a time period of three to five years is what makes sense. However, if the stock does not give the required return even after holding for three years, there is something more than one ’s own understanding about the stock. In such a scenario, you could sell the stock and move to something else. However, if there are compelling reasons, you could continue holding the stock.

On why these stocks have ridiculously low valuations the market sometimes tends to overlook an industry. And usually these stocks are not popular with brokers. Apart from that, analysts explain that there could be reasons such as high transaction impact costs (small caps can have transaction impact costs as high as 30-50% ) and fear of uncertain events or adverse macro environment conditions such as rise in oil and interest rates, government policies, etc. You must also understand that fear always resides in the near term. And that’s why there is lower visibility of the future even though the broad picture remains intact in these cases.

UNPOLISHED GEMS

Here are some deep value stocks which experts feel have great potential

ONGC – The stock is in a sector which is very strategic in nature, has a history of good profitability and dividends and trading at ridiculous valuations.

MAHINDRA & MAHINDRA AND MARUTI – The industry is in a growth phase in India as opposed to a saturation phase in the western world – trading at a PE of around 10 for FY09

LIC HOUSING FINANCE – A company growing at 25-30% available at a PE of 7x for FY09 and EPS of Rs 55. Book value of the company in FY09 would be Rs 260 and ROE would be 20% (Assuming no dilution)

BIRLA CORPORATION AND INDIA CEMENTS – Trading at single digit price multiples for FY09. Overall infrastructure spending is close to $500bn in the 12th five year plan and that we are nowhere close to capacities that exist in China

HDIL – It is trading at a considerable discount. The infrastructure sector has strong revenue visibility, and growth opportunity in the target markets with possible value unlocking opportunity.

SBI - The stock is trading at single digit multiple for FY10E. Apart from holding largest land bank holdings, it has an x-factor too – human resource valuation

For further related articles refer to http://prajnacapital.blogspot.com

What do those people know that you do not know? It is simple. They have discovered an effective yet easy way to significantly increase their income and expand their bank accounts through the opportunities available with trading on the Foreign Exchange Market.

One thing you need to know right off the bat is that this trading system has really built up its reputation in the market and the field of Forex trading. It has a 92 percent successful trade rate, which pretty much tells you the results seen by most of the traders and investors who use it. Unlike many of its competitors, it does not promise that it will absolutely, without a doubt make you a millionaire or a billionaire. It does, however, promise that you will make money, and it certainly has the potential to make you millions of dollars over time (and not too much either), plus it gives you the tools and the knowledge necessary to help you do that.

You know those Forex Autopilot reviews that offer no negative points? This is not one of those. Quite simply, the Autopilot system cannot do absolutely everything for you. If you are a beginner in the Forex market, that is fine. But being a beginner is no excuse for not knowing what you are doing. You should familiarize yourself with the most basic money management and trading techniques, at the very least, before you start trading. The Autopilot gives you the opportunity to do this, on a comprehensive, real time trading demo.

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Hard money loans are very similar to bridge loans. Bridge loans typically have similar criteria for lending. They also have similar costs to the borrower. The primary difference between a hard money commercial loan and a bridge loan is that a bridge loan frequently refers to a commercial property or investment property that is in transition. The property may not fully qualify for traditional financing yet. Hard money commercial loans refer not only to asset-based loans with a high interest rate but also loans for a financial situation that is possible distressed. Examples of this include cases where someone is arrears on an existing mortgage or where bankruptcy and foreclosure proceedings are already in process.

Hard money mortgages, both commercial and residential, are made by private investors. They typically make loans only in their local areas. The credit score of the borrower is not important because the loan is secured by the value of the collateral property. The maximum loan to value ratio is 65-70%. This means that if a piece of property is worth $100,000, the lender would give the borrower $65,000 to $70,000. This low LTV (loan-to-value) ratio gives the lender added security in the event that the borrower cannot pay and the lender has to foreclose on the property.

Commercial hard money lender programs are similar to traditional hard money loans in terms of the LTV requirements and interest rates. A commercial hard money lender is typically a strong financial institution with the deposits and abilities to make discretionary decisions on loans that are non-conforming. These borrowers do not conform to the standards of Fannie Mae, Freddie Mac, or other residential conforming credit guidelines. Since it’s a commercial property in question, the loan does not generally conform to a standard commercial loan guideline either.

Traditional commercial hard money loans are very high risk and have a higher than average default rate. Just like in a normal commercial loan, when a property owner defaults on a commercial hard money loan, he or she can potentially lose the property to foreclosure.

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Joseph Devine

While currency trading is not a new idea, it has been only in recent years that this enormous market has really been open to small individual investors. This is an investment opportunity which is becoming more and more popular – and it can all be done from the comfort of your own home!

A lot of people are now looking for a way to get their own share of this market. While you can begin online Forex trading very quickly, there are a lot of things you should know before you take the plunge. For instance, how Forex trading works in online Forex trading, what you are doing is trading one currency for another on the prediction that the value of the currency you are buying will rise in value compared to the currency you are selling.

All Forex trades are done in pairs like this; so knowing the ups and downs of world economies is key. You will need to become acquainted with the market trends on the global currency market, but technology and the right software can help you learn. Many of these packages even allow you to create a test account so you can get your feet wet in the Forex world before you begin investing with real money. The potential profits on the Forex market are great – but so are the potential losses; that’s why it’s important to be well informed and ensure that you have done the proper analysis of the virtual trainload of data that should be analyzed before making a trade decision.

Fortunately, many tools exist to help you begin your online Forex trading career. There is a lot of software out there which can help you navigate market trends and make the kinds of well informed decisions necessary to succeed in this enormous global currency marketplace. As a newcomer to the currency exchange industry, you’ll find these tools extremely helpful as you learn the ins and outs of Forex trading. In fact, the right tool can be your best friend as you learn the market and start making successful and profitable trades.

Getting into online Forex trading without having the right tools is a lot like trying to canoe with no paddle; you’ll be on the water alright, but with no way to really get where you want to go. You should never get into any sort of investment without first becoming acquainted with how things work. Getting the right Forex trading software and proper instruction can make all the difference between making a killing on the foreign currency exchange market and losing your shirt. Learn everything you can about the market and use the right Forex trading tools before you jump into making trades; this will make you much better prepared to make the kind of well informed decisions which translate into big profits.

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Finding ways to double your money is the goal of building wealth. Starting at $100 dollars you would have over $1 million dollars after 14 such doubling events, now that’s compounding at work. An investment need not take 10 years to mature and nor do you need to wait until you start seeing gray hairs before you can sell that investment off for a profit.

Taking profits more often can actually be good for your financial statement. Keeping money moving and circulating has an empowering affect. When you park your entire capital account on a few blue chip shares and buckle in for a good 20 year wait, what happens is not very much except waiting.

Having the power to always be re-investing and taking profits in all manner of alternative and creative investment ideas is the “well spring” of determined wealth production. A 2 minute investment is just as good as a 10 year investment as long as there is a return. Also there is a lot to be said for active “hands on” investing. Too many investors see it as a passive activity, but the true Topguns see their investing as a daily business that requires tending to on a regular basis.

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A casualty loss may occur as a result of a flood, hurricane, tornado, mudslide, or other natural disaster. The intuitive thought pattern is: “My apartment complex worth $5,000,000 suffered major damage totaling $1,500,000 for repairs and rent loss. Fortunately, I was completely covered for both physical damage and rent loss, other than a small deductible. There is clearly no casualty loss which will generate tax reduction, right?”

Most real estate owners and investors believe the above statement to be true. Few investors claim the casualty loss tax reduction the federal income tax code allows them. Let’s next review the criteria for a casualty loss tax deduction and the thought process regarding acquisition of a property that has suffered a casualty.

Real estate owners suffer a casualty loss when the market value immediately after the casualty plus insurance proceeds is less than the market value immediately before the casualty. The complex issue is how to value the property immediately after the casualty. Let’s consider a 1-story suburban office park in Mississippi which suffered 3-feet of flooding due to Hurricane Katrina. Let’s further assume: 1) 8 feet of sheet rock must be replaced in the entire property to rebuild, 2) although the property was 90% occupied before the flood, occupancy is expected to only be 5% while rebuilding occurs, 3) stabilized occupancy after renovation is not clear since some businesses may not return, 4) construction will take 12-18 months due to the labor constraints and 5) the owner has casualty insurance to rebuild but did not have rent loss/business interruption insurance.

It is clear the market value after the casualty is less than the market value before the casualty less construction costs. Other factors to consider are: rent loss, market risk that not enough tenants will be available after construction is completed, cost of construction management, a illiquid market with few buyers just after the casualty, construction risk, interest rate risk (rates could rise during the construction period negatively affecting value), risk that operating expenses could increase during the construction period (perhaps insurance) and compensation for entrepreneurial effort to induce a buyer to coordinate labor capital, management and endure the previously mentioned risks.

A careful analysis by an appraiser might show the improvements have no value after the flood. In appraisal assignments performed by the writer, a casualty loss of 10-30% of the market value before the casualty has occurred (in a straight-forward, defensible analysis) is typical. This can generate a meaningful casualty loss tax deduction which results in tax reduction.

For example, a property with a market value of $5,000,000 suffers a 30% casualty loss. While the casualty is a serious hardship for the owners, the $1,500,000 ($5,000,000 X 30%) tax deduction will mitigate the financial loss. Based upon a 35% tax rate, the tax reduction is $525,000.

Congress provided a casualty loss tax deduction to encourage investment in real estate. If you have the misfortune to suffer a casualty loss, take the helping hand offered by congress and take the tax deduction.

Cost segregation produces tax deductions and reduces federal income taxes across the country and in every size market. Below are just a few examples of cities where cost segregation generates meaningful tax deductions.

City:

• Memphis, TN
• San Francisco, CA
• New Orleans, LA
• New York, NY
• Hartford, CT
• Las Vegas, NV
• Los Angeles, CA
• Atlanta, GA
• Orlando, FL
• Miami, FL
• Louisville, KY
• Salt Lake City, UT
• Boise, ID
• Lakeland, FL
• Wichita, KS
• McAllen, TX
• Columbus, OH
• Ft. Lauderdale, FL
• San Antonio, TX
• Durham, NC
• Allentown, PA
• Youngstown, OH
• Little Rock, AR
• Greensboro, NC
• Greenville, SC
• Kansas City, MO
• Raleigh, NC
• San Jose, CA
• Palm Bay, FL
• Honolulu, HI

Cost segregation produces tax deductions for virtually all property types, including the following:

Property Type:

• Regional mall
• Service station
• Drugstore
• Night club
• Supermarket
• Racket club
• Auto service garage
• Airplane hangar
• Nursing home
• Subsidized housing

Almost every industry, including the following, can generate cost-efficient tax deductions by using cost segregation.

Industry:

• Nondurable good wholesalers
• Durable good wholesalers
• Day care facilities
• Computer and electronic manufacturing
• Health care facilities
• Chemical manufacturing
• Printing activities
• Warehousing and storage
• Electronic and appliance stores
• Apparel manufacturing

O’Connor & Associates is a national provider of commercial real estate consulting services including cost segregation studies, due diligence, insurance valuations, tax deduction tax reductions, cost segregation, market study, feasibility studies, property tax, market research, condemnation appraisal, gift tax, lease abstraction, casualty loss, Fort Bend Central Appraisal District, Tips and Tricks for Appealing Your Property Taxes in Harris, Harris county appraisal, and Federal tax reduction. Our appraisers have experience with all types of property including department stores, research and developments, lumber storages, fast food restaurants, convenience stores, retail centers, airplane hangars, lodgings, daycare centers, hotels, truck stops, manufacturing/processing facilities, greenhouses and auto dealers.

Patrick C. O’Connor
http://www.poconnor.com/

Scripophily is new field for collectors. It has been defined as the study and collection of stocks and bonds. It is actually the specialized field of numismatics. People are attracted to it because of the beauty of the old bonds and shares being collected as well as the historical context of each document. Some of the stock certificates are beautifully engraved. Occasionally it is possible to come across an old stock document that is still carrying its value as a stock in a successor company. Purchasing these old scrips is considered by many as a safe investment. Over the last few years the hobby has exploded in popularity. While dot com companies and scandals have made the scrips popular, it is the historical significance that draws most investors to this hobby. Some other scripophily enthusiasts prefer the beauty of old stocks and bonds that were printed in various colors with fancy artwork and ornate engraving.

The historical significance of the certificates is determined by which company the certificate represents, what product did it manufacture? Was it the first car, automobile, airplane etc. how successful was the company? Was it a fraud by any means? In which era i.e. war, depression, revolution etc was the scrip issued. Did anyone famous sign the certificate? Signatures of important people also add to the value of the certificates. If the certificate happens to be issued to any famous person or company then it carries more value. What sort of company it was issued for, doe the industry still exist, and has the industry changed a lot over the years also matter a lot. For how much was the scrip issued the larger the value the higher the value. Who were the bankers associated with the issue who worked on the fund raising efforts was it someone famous or a famous bank? Is the bank still in existence? Other points to look into are if the certificate has any tax stamps on it? Imprinted or attached?

If the stamps are valuable or unusual? Are there any cancellation markings that make the scrip valuable or unusual if they detract or add to its history and looks? Was the item issued or unissued? Was the certificate a prototype of the printers marked with the word specimen? Usually issued certificates are more valuable and desirable? Who printed the certificate was it some well known printer? What was the engraving used by hand, wood engraving, steel engraving? Lithograph preprinted form? What was the quality of the paper used was it of high or low quality has it held up over time? Does it have a watermark to prevent counterfeiting? These questions need to asked before valuing the scrip and should indeed be looked into by all buyers.

For free evaluation and appraisal of your stocks, check out the author’s site. Links are also provided for free and paid services to use in investigating stock certificates for real investment value.

Eric Drum is a collector and dealer of old stock certificates. http://www.oldstocks.com is recognized as a leading source of information and collectible certificates. In addition to old stocks, the website sells real live shares with a stock certificate in your name features live modern stocks that are perfect for framing.

Assign few of your time and effort in locating the right real estate agent. Ask for reference to the persons you trust such as your family, friends and investors. Contact few agents, maybe at least three real estate agents and schedule each for interview. Evaluate their expertise and experiences, and then choose.

Most buyers’ mistake is that they typically start by finding for their dreams home. They seek and visit some homes, they even spend some money just to get their dream home right away. They do these things without even making sure that they will be getting an approved mortgage. So they end up getting bad news at the moment that they already locate their dream homes and already spend some of their money. It is too annoying and nerve-racking on their part right!

But in planning to purchase a home in Florida real estate market, there are stuffs that you must settle and consider in order to make your home buying successful.

Your finance is one of the factors that you need to consider and resolve at first. You can work with a mortgage broker in finding the right mortgage in buying a home in Florida real estate market. Mortgage broker do not work with a particular mortgage company but the broker have plenty of contacts with different lenders. So working with a mortgage broker is a beneficial.

When it comes to purchasing a home in Florida real estate market, you have to ensure that you have systematically inspected the house before purchasing it. You can hire a professional to do the inspection in order to guarantee that even the private wells, mold issues, gas levels, septic systems, and so on where inspected. With this, you can save yourself from any trouble later on.

Certainly, Florida has a lot to offer, so finding a home in Florida real estate market has a lot of advantages. You will have the change to explore the beauty of Florida. And positively have the privilege to use the striking amenities the place has to offer.

Article Author Eliza Maledevic from http://www.Jump2top.com, a SEO Company.