Juana Baumgartner | AFM - FINANCE

Do Not Be Afraid To Call Yourself A Speculator

November 28, 2019December 10, 2019 - by Juana Baumgartner

When you invest in something you are speculating a future move or price change that will enable you to make some money out of it. I believe that every time you are investing you are speculating as well, even though speculating sounds a lot worse than “investing”. This definition can be found on multiple books and all around the web.

Some people might disagree with it, but if you read Max Gunther’s famous “The Zurich Axioms”, then you understand why there is no difference between an investor and a speculator. Some people believe that when they are investing, they are doing for the long term, that they are doing a good thing by putting some money on other people’s hand that they believe they will be able to put it to a better use.

Speculation is often seen as a short term type of investment. Whether it is a swing …

Financing

Discover How YOU Can Become a Successful Investor – Even On Your Current Salary

November 13, 2019December 10, 2019 - by Juana Baumgartner

Now you are making money from your salaried job or Business. What do you do with the money? Do you spend it all? Or are you looking for how you can make the money work for you to earn you more money? If you are what I think you are or would want to be – a savvy entrepreneur – I want to believe you will want to put your money to work in order for you to earn more money. You want to truly be above money problems. This is where this piece comes in handy for you.

What kind of Investor are you?

For those who already have the money to put to work, I would broadly categorize them into the following:

1. Cynics/Pessimists

These are those who come up with all kinds of reasons why investing does not work. This group of people end up never getting …

Personal Finance

How to Reduce Commercial Bank Funding and Small Business Debt

October 28, 2019November 21, 2019 - by Juana Baumgartner

More and more small businesses are looking for advice on reducing debt and commercial bank financing. Because of a serious shortage of commercial banking services, a logical and wise approach for borrowers is to investigate possible options for debt management and reduce their dependence on commercial debt from bank financing.

In most cases, small business owners do not openly seek commercial loan struggles with their banks. The increased inability of banks and other business lenders to provide sufficient amounts of business loans and working capital financing has produced this practical result. It seems that most businesses may have seen their business banking relationships in a loyal and friendly manner over the years. Big changes literally force small businesses to examine and revise their business financing strategies, as seen with many other business practices.

Evaluating whether there are realistic alternatives to replace current bank financing and commercial debt will be one …

Financing

How to Invest in an Initial Public Offering and IPO Investment

October 9, 2019November 21, 2019 - by Juana Baumgartner

Are you wondering which part of the market today is the most profitable market area to place your funds? If you are looking for the most promising market area for investors, you certainly have to investigate the potential initial public offering / IPO opportunity.

As you might already know, IPO shares present a very unique opportunity for anyone investing in the open market. If you have the opportunity to invest in one of these stocks, you will be able to buy investments before the entire market finds an opportunity to do so. For this reason, you can be sure that you entered the stock at a very good time, because the company will experience a significant surge in the amount of recognition received from the market as a whole.

Although IPO shares are generally a pretty good investment in terms of the time of your purchase, you still have to …

Household Finance

FINRA Form 211 and Having Your Stock Trading

September 14, 2019November 22, 2019 - by Juana Baumgartner

To get your stock trading, regardless of how you became public, it’s important to get the stock quoted on the Pink Sheets, OTCBB markets or on a stock exchange. For smaller organizations this indicates having the stock trading on the Pink Sheets or OTCBB.

To have a trading industry you will need 1 or much more market makers. This market maker has to be a broker-dealer who is a member of FINRA and registered with the SEC.

To begin trading, one marketplace maker must file a Form 211 with the Financial Business Regulatory Authority, FINRA, and make a market place within your stock.

A FINRA rule says that market makers are usually not supposed to charge any charge for filing a Form 211. We polled each of the market place makers listed on Pink Sheets last year and all of them but a single wanted a $10,000 “due diligence” charge …