RE: DERRICK OWENS. President ALLOWA CORPORATION LTD (ALLOWA) – England
And, TRANSTECH ENGINERRING CORPORATION (TRANSTECH) – China

Derrick Owens misrepresents that ALLOWA has Gold Dust, Dore Bar & Bullion (AU) for sale.

Derrick Owens has proven to be very deceptive, underhanded & dishonest in his business dealings.

ALLOWA CORPORATION LTD HAS PROVEN TO BE NON-PERFORMER!

DERRICK OWENS PROVEN TO BE A CON-MAN, SCAMMER & FRAUD!

For over the past six months GULF Atlantic Group, Inc (GULF) has had the misfortune of working with Derrick Owens / ALLOWA Corporation Ltd. Owens has been working every angle you can imagine to get into our bank account. If you care to hear the details of Derrick Owens’ “scheme” to deceive & defraud GULF, you will enjoy this read.

Here’s the outline of Owens’ program to rip-off your money –

(A) Owens represents that ALLOWA has Gold Dust, Dore Bar & Hallmark Bullion for sale.

(B) Owens requires buyer to provide an SBLC (MT-760) and/or other various up-front fees to be paid in advance of SKR/POP & delivery (minimum of $150K USD).

(C) Owens signs agreements, then changes the terms, procedures and conditions to delay performance. Owens constantly asks for additional money before he will delivery.

(D) Owens / ALLOWA have never provided any SKR/POP or any other documentation to verify the origin, ownership or authenticity of any product.

(E) Owens / ALLOWA have never delivered any product or performed what so ever!

In December 2009, GULF was introduced to Derrick Owens / ALLOWA and on January 5th 2010 GULF entered into agreements with ALLOWA to purchase 3,000 MT of gold dust monthly for 36 months.

GULF is a real buyer with real assets which qualifies us as principals in purchasing gold dust & Dore bars. Historically, GULF has owned several gold mines (and a small refinery) in central CA (USA), which was sold off in 2007. GULF has purchased and sold gold dust & Dore bars since 2005.

Initially, GULF provided ALLOWA with a $1.5M (USD) SBLC MT-760 (Swifted to a Turkish bank) and subsequently paid-out an additional $50,000 (USD) to ALLOWA’S supposed shipping company in China (Transtech Engineering Corporation), who has never delivered and will NOT refund the money which was wired into TRANSTECH’s Bank of China bank account.

Because of TRANSTECH’s solid reputation as up=standing Chinese (government owned) company and the assurance from Owens’ Mandate, we went ahead and wired the additional $50K. We now believe that this $50K was applied to ALLOWA’S Transtech account to pay for mining equipment.

After over 6 months of Owens making excuse after excuse and coming up with many unfounded “stories” as to why he couldn’t ship the product and why we needed to pay additional fees before shipping, To this day, Owens has never performed or even proven that he has product to sell.

Because of Derrick Owens’ / ALLOWA’s NON-PERFORMANCE and VIOLATION OF OUR WRITTEN AGREEMENTS, on April 2, 2010 GULF terminated this agreement with ALLOWA to purchase gold dust and requested ALLOWA to immediately refund the $50,000 USD as had been assured. The following week, on April 7, 2010, a second / FINAL written termination letter was emailed to Owens.

Owens has NOT honored our written contracts – ALLOWA is in direct violation of our agreements. Owens is a “story teller” and has continued to put off shipment of the gold dust many, many, many times. Overall, Owens has conducted himself in a very poor business manner and completely demonstrated his consistent non-performance in complying with our written agreements.

Although Owens agreed to provide the SKR/POP and other customary documentation, which were repeatedly asked for, nothing has ever been provided. Therefore, it is self-evident that Owens does NOT have any product to ship and is NOT a “real” AU seller.

In the past, every other “real” AU seller has provided GULF with (1) Certificate of Origin, (2) SKR/POP, (3) Certificate of Ownership, (4) VAT register, (5) Export License, (6) Movement Certificate(s) – Previous shipments to USA, (7) Copy of Seller’s Passport, (8) Customs Documents, (9) Airway Bill, etc.
Owens never would give us any of this info. In fact, although Owens claims to have a USA Passport, Owens refused to provide us this document. Therefore, Owens inability to deliver the product or perform on any level, proves that ALLOWA is obviously NOT a “real” AU seller.

According to the written SPA (Sales Purchase Agreement), it was agreed that GULF would provide ALLOWA a $1,500,000 SBLC as collateral for this transaction, which was to be shipped to our USA refinery. However, time after time, Owens has continued to ask for more money before he will ship the product.

Although this gold dust was originally agreed to be delivered CIF to our refinery, with the SBLC as sole collateral for payment, as a concession to ALLOWA, GULF agreed to wire $50,000 to Transtech Eng Corporation (TRANSTECH) on February 16, 2010, based upon Owens’ assurance that TRANSTECH would act as ALLOWA’s shipping company and make the initial shipment. When originally investigated, TRANSTECH checked-out as a top Chinese company.

Owens assured us that once this payment was made to TRANSTECH he would immediately provide the SKR/POP and ship the product, which has never happened. Since that time, Owens has continued to make excuse after excuse in order to put off making this shipment and keeps asking for additional money to be paid in order to complete this transaction.

After being confronted as to ALLOWA’s non-performance, Owens assured us that ALLOWA would immediately refund the $50,000 to us without any delay. Of course, when GULF made a formal request for the refund the $50,000 USD, Owens refused to refund the money.

TRANSTECH ENGINERRING CORPORATION APPEARS TO BE IN COLLABORATION WITH ALLOWA TO PERPITRATE THIS FRAUD!

Owens has repeatedly made untrue statements and has involved TRANSTECH in his “scheme” to defraud GULF. Initially, it was thought that Owens lies and deception were seriously jeopardizing the fine reputation of TRANSTECH, however, not it appears the TRANSTECH has been playing right along with Owens to defraud GULF.

From the very beginning, as part of a Owens’ “con-game” to defraud GULF, he advised us that Transtech Eng Corporation (TRANSTECH) was his “official shipping company” for the delivery of the AU product. Of course, we now know that this is a complete and total “lie”.

Our attorney’s have advised us that Owens’ fraudulent misrepresentations and lies about TRANSTECH’s involvement in this transaction (and his instructions to have the $50,000 wired into TRANSTECH’s bank account for shipping are legally know as “Fraud in the Inducement”.

This is a very serious matter which causes a negative effect on Transtech Engineering Corp.

As part of Owens’ fraudulent scheme, Owens had TRANSTECH apply this $50,000 toward ALLOWA’s TRANSTECH account to pay for mining equipment or other services TRANSTECH provided to ALLOWA. From the beginning, GULF wrote & told TRANSTECH that this was never the intent of this $50K that was wired into their account. TRANSTECH knew all along that this $50K was intended for payment to ship 200 kgs of gold dust, per the purchase contract with ALLOWA Corporation.

As part of our later investigation into Transtech Engineering Corporation, we verified that TRANSTECH has nothing to do with the gold buying & selling business and does not act as a shipping company for the shipment of gold to the USA.

Although we also confirmed that the $50,000 which GULF wired to TRANSTECH, which was personally acknowledged by TRANSTECH’s CFO (Mr. Liu Qiang) on February 17, 2010, still remained in TRANSTECH’s Bank of China bank account and had NOT been transferred or otherwise turned over to Owens or ALLOWA, it now appears as though TRANSTECH may have credited ALLOWA’s account. In any case, TRANSTECH has ignored GULF’s three written requests to return the $50K.

It is indeed puzzling and very concerning why TRASNSTECH never responded to GULF’s three (3) written requests to return the $50K. Letters were emailed to Mr. Liu Qiang at TRANSTECH. These emails were sent on (first) April 2, 2010, (second) April 7, 2010, and (third/FINAL) May 17, 2010.
TRANMSTECH knew that GULF had terminated doing business with ALLOWA, however TRANSTECH refused to honor GULF’s request to refund this $50K. TRANSTECH was told that under NO circumstances were they authorized by GULF to deliver or otherwise provide any portion of these funds to Owens or ALLOWA.

At that time, we also strongly advised TRANSTECH to immediately refund the $50,000 in order to avoid being implicated with Owens and his scandalous & fraudulent business practices.

Why do you suppose that TRANSTECH choose to ignore GULF’s request to return the $50,000?

Since Transtech knew the truth about this situation, for them to ignore our emails and letters concerning these fraudulent activities and to retain GULF’s $50,000 caused me to question TRANSTECH’s inappropriate behavior and to especially question TRANTECH’s honorability.

Therefore, it can be assumed that TRANSTECH is in league with Owens / ALLOWA and a major co-conspirator with OWNES / ALLOWA cooperating with this scheme and keeping GULF’s $50K.

Even today, Derrick Owens still continues to request more money from us to complete this transaction, yet he has never provided any documentation to verify the origin or his ownership of the AU.

Owens always claims he is “real seller” but he will never provide any documentation to validate his capacity to perform. Once Owens gets you into the transaction, he just keeps changing the terms, conditions and procedures which have been previously agreed to with the SPA. After that, Owens asks for more and more money to complete the transaction.

Once it was determined that TRANSTECH was not delivering the gold, Owens came up with story after story to stall the refund of the $50K. On April 2nd, Owens promised to have the $50K returned on April 26th – (which put it off for three more weeks in order to wait for ALLOWA’s Executive Director returned from holiday, but instead, Owens then said that the $50K was given to another “unknown” shipping company and is not refundable.

Furthermore, Owens says his new shipping company now wants an additional $46K to pay for at various reasons, such as shipping fees, VAT, and now Demurrage charges. At every turn, Owens comes back with another story & reason why he needs more money paid with no intention of ever providing anything to anyone. Owens will work to “string-you-out” if you allow him to!

Derrick Owens claims to be working in London England, but his office is simply a “front” – he is never actually at this address. On ALLOWA’s contracts, Owens has provided the address shown below –

Address Shipping Office: Vijzelstraat 1066 EW, Netherlands
Branch Offices; United Kingdom, Mali, Burkina Faso
Tel+ 44-7035-933-320 Fax: +44-7006-008-098
Email: ALLOWAcorporationlimited@yahoo.co.uk
Registered in England N° 06837931 – Registered at Companies House on 05/03/2009

Owens claims to have a USA Passport No. 017396907 – Issued: 29 OCT, 2004, but it has never been provided to anyone; not even Owens’s Seller Mandate. Although Owens promised to provide full documentation with SKR/POP, even after all agreements were executed and SBLC was received by Owens’ bank, NO documentation or information was ever provided by Owens / ALLOWA.

On ALLOWA’s contracts, Owens has provided the address shown below –
Turkish Bank = K?LER GIDA MAD.?HR.T?C.VE TAAH.A.? = ALLOWA Corporation Limited –
On behalf of DOGRUOZ Giyim Tekstil Sanayi Ve Tic. A.S (Partners),
?ENOL GÜNE? CAD. NO: 2, City Center / Trabzon, Turkey

Although I have never met of seen Derrick Owens personally, he has a heavy African accent and his English can often be hard to understand.

Owens has Skyped (via ALLOWA CORPORATION LTD) and emailed many messages during the past six months from ALLOWAcorpltd@googlemail.com. Owens is a rather poor writer & speller in his correspondence. Normally, when Owens IMs with Skype, it is in poor English with ALL CAPITAL letters.

BEWARE of DERRICK OWNES / ALLOWA Corporation or any other person who represents this behavior!

The premier exchange traded funds were actually the biggest EFT. Created in 1993, SPDR, short for Standard & Poor’s 500 Index Depository Receipts, continues to be in trading activity, a most popular choice.

With assets of more than M, the ETF which follows the S&P 500 and is overseen by State Street Global Advisors is called Spiders. United States Of America. Both mutual and index funds are more costly than the average exchange-traded fund, which makes ETFs a lower cost purchase.

Everyone would agree spiders are the biggest ETFs, yet the next fund on the list, the second biggest and following ones, can vary depending on which list you are seeing. Now, the NASDAQ-100 There are four letter “Q’s” here. is probably the best, but just two years ago, was the third or fourth in terms of total assets, with less than million United States Of America.

With many of its holdings in software and telecommunications companies, QQQQ is seen by many as an indicator of the health of the technology sector. A hundred stocks with the index for a variety of stock.

Diamonds Trust, or DIA, is one of the larger ETFs in the US. It tracks the Dow Jones Industrial Average and includes 30 “blue chip” American companies. A lot of investors think DIA’s formula is out of date, yet is still remains a popular selection.

Even the biggest ETFs have been in the red, like DIA.

This past year, Ultra Silver Proshares (agq)what is usually called a “small” ETF, has grown relatively large. The year to date return at the time of this writing was over 28% and intra-day returns have been as high as 7% and three months back was about 4%.

Listed is a sampling of the ETFs Barclays Bank oversees. Examples are SGG , LD and JJS . Markets have gone up sharply in the last few months, but that is simply recouping some of the losses from last year’s crash. Regardless, those who invested short-term have profited from those funds.

VTI, short for VIPER is the biggest in terms of the amount of companies in the portfolio. The VTI’s value is a gauge for the US economy because most US based publicly traded companies are a part of the index and the Vanguard Group oversees them.

Literally, hundreds of ETFs are available. A few of the smaller funds have stopped existing, since they haven’t been able to get enough visitors, yet there’s always another to replace it.

For more please see etf trend trading and ETF types.

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The term “real estate investing” likely brings a number of things to mind. You might immediately leap to real estate investing being real estate portfolios and real estate retirement plans or you may think instead of short sales, bulk reo investing and virtual real estate investing. You probably also wonder how these things play out in real estate investors’ life in the current economy.

You will need to know a lot about real estate investing. Knowing the basics of real estate investing education is a good way to get the most out of every lesson. Whether your target is short sales, bulk reo sales, virtual real estate or improving real estate investor abilities, you need to know some real estate investing basics. Here are three real estate investing basics that even some experts do not really know:

1. Real estate investing education always yields positive. Every good real estate deal represents thousands of dollars in potential wealth. The knowledge of how to get that wealth is the key to your success. Learning about real estate increases your odds of success when you do a real estate deal. Small investments yield big results when you invest in learning and then implement what you learn.

2. Any economy allows for success in real estate investing. Often people think that you can only be a success in real estate when the economy is good. In reality, a bad economic situation is not bad for real estate investors. You can often buy properties at deep discounts. You might also find deals that simply would not exist in a booming economy. In fact, real estate investing can turn the tide for a poor economy. When an economy is less than thriving, short sales, bulk reo sales and virtual real estate can prosper. You can save yourself and others from major financial woes if you know how to do these deals.

3. You do not need lots of your own cash to be a successful real estate investor. You can make a success of real estate investing no matter how much or little money you have. There are lots of deals that you can use other people’s money to do. If you are a good investment private lenders may let you use their money. An investor who is a good investment knows as much as they can when it comes to real estate investing. This will enable you to show people who have money for real estate investing but may not know how to use it that you are a good investment.

Real estate investing is a great way to create a good amount of wealth. You will have the ability to create income in any economy. You can create success for yourself using knowledge of real estate investing, short sales, bulk reo sales and virtual real estate. You will be helped to succeed as a real estate investor by knowing real estate investing basics.

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What most people don’t understand is that with our powerful Forensic Loan Audit, loan modifications are NOT just for those folks who are behind on their mortgage or in foreclosure.  Most non-delinquent borrowers also have a legal case for loan modification!

In fact, Most U.S. Homeowners Can Take Advantage of Loan Modifications –

They Do NOT Have to Be Late or In Foreclosure.

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examples of a financial hardship include, but are not limited to:

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For Those Who Are Behind on Their Payments – If You Have a Foreclosure Sale Notice, CFPG WILL STOP YOUR SALE DATE

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1. Reinstate The Loan: Pay all of the back payments to bring your mortgage current.  This option is often difficult to attain, because the mortgage company will add late fees and attorney fees, and many people aren’t able to come up with the full amount.

2. Negotiate A Short Payoff: Our investor network can negotiate with your lender to payoff your loan in full at 65% of the current market value.  A new mortgage loan will be issued to you with a positive equity position in your home.  You will then have the option to refinance or sell the property at a profit.

3. Negotiate A Loan Modification: Our property protection network can negotiate a loan modification directly with your lender on your behalf.  In many cases the lender will be willing to adjust the interest rate and terms of your existing loan to make it more affordable for you to keep your home.

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4. Refinance: If there is enough equity in your home, there are lenders which will sometimes make a new loan, incorporating all of the back payments.  We have relationships with reputable companies, and will be glad to assist you with this option.

5. Sell Your Home: You may simply sell your home before the Foreclosure Sale date.  You may owe more than the home is worth, making it hard to sell.  In this case, we may be able to negotiate a short sale with your mortgage company, where they accept less than they are owed in order to avoid a costly foreclosure process.

6. Deed-in-Lieu of Foreclosure: You can simply arrange to give the home back to the lender and walk away with a clean slate.

7. Foreclosure: This is where you do nothing, and let the home go into mortgage foreclosure.  This SEVERELY damages your credit and ability to get a home loan again.  If there is no equity in the home, the mortgage company may even come after you to pay the shortage between what it is worth and what you owe.

DON’T LET THINGS GET THIS FAR OUT-OF-HAND!

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If you’re behind on your mortgage payment, you may have experienced a lot of inflexibility from your lender.  They might be telling you something like this – “Payment in full is all we’ll accept” is a common tactic they use to try and get you to come up with all the money you owe.

1. If you do have enough money to make up the back payments, do it!

2. But if you don’t, or only have some saved up, realize that there definitely is help.

Lenders routinely accept our negotiator’s terms to modify your existing loan or to payoff your loan at a discount when presented professionally, and with a knowledgeable approach of the way the system works.

Either way, we will negotiate with your lender and get you back on track.

You do have options – so don’t wait to get this valuable information about your solutions.

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1. Don’t Ignore Your Situation. Keep the communication lines open, and be honest about your situation.  Keep and file all letters and documents your lender or their attorney sends you.  These papers will be important later on when we assist you in keeping your home.

2. Stay In Your Home. Don’t vacate it.  If you do, it may be seized and then you may not qualify for any special home saving programs nor be eligible for a loan modification.

3. Contact Us Immediately to discuss what the best pre-foreclosure solutions are for you.  We will negotiate with your lender for you, using our expert knowledge and of all the laws and regulations you which have on your side for your protection.

We’ll be glad to walk you through your options in plain English.

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The short sellers put up collateral, agreed to pay dividends, and paid a small amount of interest. These middle-men companies took a big slice of the earnings.  The 401k funds got only a little,  but did not complain because they thought it was essentially a risk free source of extra money.

Unfortunately, the middle-man companies overseeing the transactions got greedy, and started investing the collateral in commercial paper, instead of safer T-bills.  When the financial crisis hit, and Lehman Brothers went bankrupt, there was a panic in the commercial paper market, and some of the invested collateral suffered losses.

These Wall Street firms then passed the losses onto the funds.  Ultimately, it was the “little guy retirees” who are paying the price.  Effected S&P 500 funds, for example, lagged their benchmark index by 11 basis points (0.11%) before fees.  Mortgage-backed funds lagged by up to 53 basis points (0.53%).

Even though these losses caused by poorly invested collateral are insignificant compared to the overall loss in the mutual funds (e.g. the S&P 500 index lost 36% in 2008), they still angered some investors – who have filed class action law suits.

Overall, this situation seems to be limited to mutual funds.  People with brokerage accounts who buy individual stocks do not have to worry.  All the major brokerages keep 100% of any fees from lending securities to short sellers.  In return, they cover any losses.

Today stock loans are very popular.   Since the financial markets have been turned up-side down and banks are not lending, one method of financing has gained a lot of attention – securities based lending.

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Securities Lending is a long-established process.  In fact, hundreds of successful stock-lending transactions have been executed involving the American Stock Exchange (AMEX), National Stock Market and Small Cap Stock Market (NASDAQ), New York Stock Exchange (NYSE), Over-the-Counter Bulletin Board (OTCBB), and certain foreign exchanges.

For those with money invested in marketable securities, there is a safe way to leverage their assets and take advantage of the golden opportunities now available to cash-in on terrific RE investment opportunities which are available today.

If you are a forward-thinking investor who wants to retain the future ownership of your assets as well as leverage the present value of your securities for immediate cash needs, this can be a terrific program.

These loans are –

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·         Loans are Interest Only – principal payment at maturity; otherwise loans can be refinanced or extended

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Why should you hire a retirement planner to help set up your retirement fund when you are covered under the social security system? In fact, social security coverage isn’t truly enough to cover for all of your wishes during retirement. Yes, you can get some money from your social security when you retire but with the high cost of living today, that money may not truly be enough to keep you comfy during retirement. If you do not need to live in misery during retirement, you must set up your own retirement fund while you are still working.

There are a number of things that you need to consider before you hire a retirement planner. You must see to it that the planner is reliable and knows his/her field well. Note that there are a lot of people out there who profess to be good retirement planner when in reality, they do not really know a thing about it! Before you hire the services of a retirement planner, check out his or her resume. You may also call some of the former clients of that person to get their opinion about the kind of service that they got from this person. If the former clients of this are mostly satisfied with his or her services, then you have found the right person to help you do your retirement planning. On the other hand, if you get mixed opinions on the ability of the retirement planner to deliver good service, dig deeper into the track records of the planner before you decide on anything.

Another thing that you need to consider before hiring a retirement planner is personality. Since you will need to work closely with this person, you need to make sure that you like this person. Meet with the retirement planner in person at least once before you hire his or her services.

Since the financial markets have been turned up-side down and banks are not lending, one method of financing has gained a lot of attention –securities based lending.

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For those with money invested in marketable securities, there is a golden opportunity to cash-in on the tremendous RE investment opportunities now available.  Today, there are multiple commercial & residential RE properties available for about 30% to 50% of what they were only two years ago.

If you are a forward-thinking investor who wants to retain the future ownership of your assets as well as leverage the present value of your securities for immediate cash needs, this can be a terrific program.

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Investors who treat trading as a full-time job have the time to watch the market movements for signals. Oftentimes, however, signals can be automated and integrated into trading software. The investor can choose which signals to be alerted about and they will automatically appear on screen. Software signals are usually only available by subscription and some services charge hundreds of dollars a year for a complete package. This includes trading software and access to up-to-the-minute charts for the latest information about the stock market.

Investors who don’t have the time to watch the market closely can subscribe to services which publish signals on a daily or hourly basis. These services may employ market analysts who may follow several indicators to arrive at a particular signal. More commonly, however, their systems are completely automated with signals being generated by software which examines market conditions. Some of these services have a better track record than others – it’s a good idea to research them before signing up.

With any third-party signal provider it pays to know how the signals are being generated. Since there are such a large number of market indicators some of them may contradict each other. In addition, a particular indicator may send out conflicting signals depending on the time frame.

Market conditions also play an important part on the accuracy of indicators. During upswings in the market, for example, trend indicators will send out buy signals but longer-term oscillator indicators will view the market as being overbought and send out a sell signal. Generally speaking, trend indicators are most accurate during trend conditions and oscillators are best during times of transition. Both types of indicators are often in variance with the other.

To overcome these problems, try to find a signal generator that uses at least 3 market indicators for verification. Signals that are verified by 3 different indicators are strong and tend to be accurate. It is also important to look at signals from varying time frames. An upswing may simply be a short term correction and the market may afterwards continue its downward movement. Taking a broad view of market conditions allows you to see these variations more clearly.

Depending on the type of service you sign up for, signals can be delivered by email on a daily basis, available for viewing on a website, or be integrated into your trading software so that popups appear on your screen for particular signals that you are watching.

Companies which provide signals usually offer their services on a monthly basis. Some are quite expensive – as high as several hundred dollars a month. These are obviously aimed at the professional trader but other services are also available at more reasonable costs.

The value of these services has to be weighed by the individual investor. They can be a great time saver but they may also encourage laziness when it comes to analyzing the market. A knowledgeable trader should have the tools necessary to judge the effectiveness of a signal system and do some of the calculations himself to keep on top of the market.

Since the financial markets have been turned up-side down and banks are not lending, one method of financing has gained a lot of attention –securities based lending.

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For those with money invested in marketable securities, there is a golden opportunity to cash-in on the tremendous RE investment opportunities now available.  Today, there are multiple commercial & residential RE properties available for about 30% to 50% of what they were only two years ago.

If you are a forward-thinking investor who wants to retain the future ownership of your assets as well as leverage the present value of your securities for immediate cash needs, this can be a terrific program.

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The basis for technical analysis is the belief that stock prices move in predictable patterns. All the factors that influence price movement – company performance, the general state of the economy, natural disasters – are supposedly reflected in the stock market with great efficiency. This efficiency, coupled with historical trends produces movements that can be analyzed and applied to future stock market movements.

Technical analysis is not intended for long-term investments because fundamental information concerning a company’s potential for growth is not taken into account. Trades must be entered and exited at precise times, so technical analysts need to spend a great deal of time watching market movements.

Investors can take advantage of both upswings and downswings in price by going either long or short. Stop-loss orders limit losses in the event that the market does not move as expected.

There are many tools available to the technical analyst. Literally hundreds of stock patterns have been developed over time. Most of them, however, rely on the basic concepts of ’support’ and ‘resistance’. Support is the level that downward prices are expected to rise from, and Resistance is the level that upward prices are expected to reach before falling again. In other words, prices tend to bounce once they have hit support or resistance levels.

Charts

Technical analysis relies heavily on charts for tracking market movements. Bar charts are the most commonly used. They consist of vertical bars representing a particular time period – weekly, daily, hourly, or even by the minute. The top of each bar shows the highest price for the period, the bottom is the lowest price, and the small bar to the right is the opening price and the small bar to the left is the closing price. A great deal of information can be seen in glancing at bar charts. Long bars indicate a large price spread and the position of the side bars shows whether the price rose or dropped and also the spread between opening and closing prices.

A variation on the bar chart is the candlestick chart. These charts use solid bodies to indicate the variation between opening and closing prices and the lines (shadows) that extend above and below the body indicate the highest and lowest prices respectively. Candlestick bodies are coloured black or red if the closing price was lower than the previous period or white or green if the price closed higher. Candlesticks form various shapes that can indicate market movement. A green body with short shadows is bullish – the share opened near its low and closed near its high. Conversely, a red body with short shadows is bearish – the stock opened near the high and closed near the low. These are only two of the more than 20 patterns that can be formed by candlesticks.

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Earnings per Share
The overall earnings of a company is not in itself a useful indicator of a share’s worth. Low earnings coupled with low outstanding shares can be more valuable than high earnings with a high number of outstanding shares. Earnings per share is much more useful information than earnings by itself. Earnings per share (EPS) is calculated by dividing the net earnings by the number of outstanding shares. For example: ABC company had net earnings of $1 million and 100,000 outstanding shares for an EPS of 10 (1,000,000 / 100,000 = 10). This information is useful for comparing two companies in a certain industry but should not be the deciding factor when choosing shares.

Price to Earning Ratio
The Price to Earning Ratio (P/E) shows the relationship between share price and company earnings. It is calculated by dividing the share price by the Earnings per Share. In our example above of ABC company the EPS is 10 so if it has a price per share of $50 the P/E is 5 (50 / 10 = 5). The P/E tells you how much investors are willing to pay for that particular company’s earnings. P/E’s can be read in a variety of ways. A high P/E could mean that the company is overpriced or it could mean that investors expect the company to continue to grow and generate profits. A low P/E could mean that investors are wary of the company or it could indicate a company that most investors have overlooked.

Either way, further analysis is needed to determine the true value of a particular stock.

Price to Sales Ratio
When a company has no earnings, there are other tools available to help investors judge its worth. New companies in particular often have no earnings, but that does not mean they are bad investments. The Price to Sales ratio (P/S) is a useful tool for judging new companies. It is calculated by dividing the market cap (stock price times number of outstanding shares) by total revenues. An alternate method is to divide current share price by sales per share. P/S indicates the value the market places on sales. The lower the P/S the better the value.

Price to Book Ratio
Book value is determined by subtracting liabilities from assets. The value of a growing company will always be more than book value because of the potential for future revenue. The price to book ratio (P/B) is the value the market places on the book value of the company. It is calculated by dividing the current price per share by the book value per share (book value / number of outstanding shares). Companies with a low P/B are good value and are often sought after by long term investors who see the potential of such companies.

Dividend Yield
Some investors are looking for shares that can maximize dividend income. Dividend yield is useful for determining the percentage return a company pays in the form of dividends. It is calculated by dividing the annual dividend per share by the share’s price per share. Usually it is the older, well-established companies that pay a higher percentage, and these companies also usually have a more consistent dividend history than younger companies.

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Click here for information about Non-Purpose, Non-Recourse Securities Loans

For those with money invested in marketable securities, there is a golden opportunity to cash-in on the tremendous RE investment opportunities now available.  Today, there are multiple commercial & residential RE properties available for about 30% to 50% of what they were only two years ago.

If you are a forward-thinking investor who wants to retain the future ownership of your assets as well as leverage the present value of your securities for immediate cash needs, this can be a terrific program.

Click here for information about Non-Purpose, Non-Recourse Securities Loans