Investors: Double Or Triple Your Money With Pre IPO Investments!

Stock investors will typically go with whatever stock play their broker recommends. You\’re banking on the broker to know what they are doing so you don\’t have to spend all day and all night draped over charts, statistics a buffet of TUMS.

Your broker will most likely pitch you the stock that his or her boss has pressured them into promoting in this morning\’s meeting and unless all the stock pushers cooperate with a collective effort, they will not achieve the desired result of the stock price jump that will yield a modest profit.

Traders with a conscience find it hard to work under this type of pressure that places them in the gray area of securities ethics. As an investor, you need to stop and observe the obvious, it\’s your money and to make more money you simply need to take the initiative to diversify your investment portfolio. Every investment portfolio boasts the same prototypical elements: stocks, FOREX, IRA, bank savings all seasoned with modest microcap investments. A small minority of \’in the know\’ investors have a secret weapon.

Some investors have stepped outside the cliches of investing with the masses and sought out the diamond in the rough, the mother of all investments and that investment is \’seed\’ capital in pre-public companies. I\’m not talking about pump it and dump it Pink Sheet garbage but I mean the home of the prosperous, land of the lucrative OTCBB market.

These affordable and powerful stocks should exist in every portfolio but buying discount stock as an initial investor in a pre public company that is in the process of qualifying with the one SEC guideline that has made some modestly wealthy people, extremely wealthy and that qualification is that in order for a company to go public they must have a minimum of 40 seed investors whether they need the capital or not.

Being one of the 40 investors in a promising, cutting edge pre public company can, many times, mean that your small initial investment can increase by 200%+ in an extremely short time. Seek out the ultra-lucrative pre public companies and watch your net worth skyrocket!

For Corporate Consulting or Invest Seed Capital In Pre-IPO Companies, call Princeton Corporate Solutions at 267-233-0183Take Your Company Public the easy way!

The Main Advantages Of Buying Individual Health Insurance For Your Health Needs

It is not uncommon in the United States for people to have health coverage with their job. However, many Americans do not have that option. The only thing they can do is consider buying individual health insurance. In some cases, having insurance with your job, is not the most cost efficient way to go.

According to a recent Kaiser Family Foundation report, the average amount a worker pays for an individual health plan is $779. A family plan costs an average of $3,515. Since these prices are an average, it is obvious that many workers are paying even more.

In order to find the best insurance coverage for the cheapest price, the best thing you can do is get quotes from a number of different health insurance companies. There are non-profit sites that will do this for free if you answer a few questions about your household. After reviewing your answers, they will send a list of state approved companies that have policies that will meet your specific health needs. They, also, include the website and phone number for each company.

The total cost of a family health insurance plan in the United States is $13,500 for a year. Workers only pay a portion of that price. Because of the rise in price, small companies are paying less for insurance, while their workers are paying more. In some cases, it may be smarter for them to purchase their own individual health insurance.

One of the things that affect the validity of saving money on an individual plan instead of a company plan is the area that you live and work in. Folks in the area around New York City would most likely pay more for an individual policy, while workers living in the middle northern states would pay less.

Before a person considers changing from a company health plan to a private health plan there are several things that his company plan offers that he should consider. An individual plan will not include any of these items.

The insurance company that is carried by a private company is obligated to accept every employee for coverage regardless of his health needs. They cannot cancel an employee\’s insurance if he becomes ill. The law allows an employee to purchase an 18 month extension on his health insurance if he is laid off.

The company is required by law to waive the waiting period on a new employee if he was covered by insurance in his other job for a longer period than the time of the waiting period. For an example, if an employee worked fifteen months for another company and was covered by their company insurance, and the waiting period at his new job is nine months, then the waiting period is canceled and his entire insurance coverage is effective immediately.

Don\’t cancel your company insurance until you are sure that you have been accepted for the individual insurance plan that you applied for. Private insurers have a long list of reasons for refusing coverage, and you may fall within that list. It would not be unusual for a company to deny you coverage.

The smartest thing a person can do is to get quotes from different insurance policies and see what the policy covers. Ask questions if any part of the policy is not clear. This will give you the opportunity to make the best possible decision concerning buying individual health insurance.

Find your cheap health insurance plan today. Buying individual health insurance should not be something you put off for long. Head online today and shop!

Life Insurance : Protect Your Family

Life insurance is great for individuals that have a family, depending upon earning the most income to support their family. Life is unpredictable and it is important to ensure your family and loved ones are taken care of financially in case anything happens to you.

There are a wide range of life insurance products that are floating in the market. Choosing the right life insurance policy involves assessing your particular situation and evaluating the right policy for you. It is imperative to choose the right life insurance that fits your bill or which can be customized to suit your particular needs.

In some cases, a health life insurance also provides people with the benefit of not worrying about hospital bills. There are also health life insurances that will provide your loved ones with certain amount of money after your death. A health life insurance is a kind of well, insurance, that covers a lot of things. Funeral costs are usually the major coverage of most health life insurance.

Offered by the different public and private institutions, health life insurances can be compared to social securities. People who have got health life insurances are required to pay a minimum amount during a period of time. On insurance policy maturation, the bearer of the health life insurance would be entitled to several benefits agreed in the policy.

A health life insurance would guarantee that you or your family will have the financial means to support and solve whatever life and health related problems will come along the way. Some health life insurance also covers giving certain amounts of money to the beneficiaries of the insurance holder. Depending on the type of health insurance plan, the funds could be received in bulk or in scheduled releases.

People would be free of worrying about the consequences of the death of their loved one. Having a health life insurance of this type will ensure that life would still go on for those who were left behind. Since a health life insurance will cover all the expenses for the funeral and hospitalization, families need not worry about paying bills or getting credits.

Utilize the Internet\’s resources to educate yourself about life insurance basics. Factor in your personal situation, present debts and future liabilities and you will be able to gauge how much life coverage your family would need. Choosing the right life insurance that suits your needs is simple once you\’ve studied your options thoroughly.

Many online insurance quote providers can help you with your queries and offer professional advice on choosing the right policy for your particular situation. And once you factored in all the scenarios, and have numerous term life policies to evaluate, choosing a life insurance not only becomes easy, but beneficial too.

Look to apply for No Medical Exam Life Insurance for yourself and your family. Looking for Orange County Movers when you are looking for Home Insurance? Look no further!

Take Your Company Public Now: Don\’t Believe The Lies!

Bypassing the blistering reality that banks aren\’t making small or medium size business loans. Lines of credit are deal. Hard money predators are out in full force and legitimate funding sources are at an all time low. Companies can take the tried and tested route in hiring a consultant, structuring their company, building strategic alliances, creating a solid board of directors and then authoring the business plan and PPM for the initial raise but why would they when they have so many scammers telling them that they can easily raise the capital with a shelf corporation or reverse merger into a pink sheets public shell.

People in need of capital don\’t want to be bothered with the reality the capital is not as easy to obtain as it once was. Entrepreneurs are seeking the quick and easy way out which typically turns out to be the route that ruins their company and depletes their cash flow.

The truth is that your company has to be constructed on the success and failures of your executive staff. These individuals are the lifeblood of your company and their contacts and experience is what will drive your company forward into ongoing self-perpetuating growth.

Don\’t believe the hype when it comes to raising fast capital in the corporate realm. Don\’t believe that a shelf corporation will do anything but make you and your company look like idiots and don\’t think for a minute that there is any way to initiate your first round of capital without an SEC regulated Private Placement Memorandum.

Big brother is always watching and those who try to raise money without the proper structure always get burned. Why not step back, take a breath and start off your campaign to raise your first round of capital the right way with a private placement memorandum, then a direct public offering then move onto the public offering on the OTCBB.

Why not for a change, do things the correct way, using the structures that are conducive to actually raising capital the legitimate way as opposed to the fast and easy way.

The fast an easy way is often the wrong way and in the end there is no capital being raised at all, only headaches and lawsuits. Find a consultant with the experience of taking startup companies and expansion mode companies public.

Don\’t waste time with the scammers. Raise capital the right way and you\’ll never have to redo the process.

Foreign, Indian and Chinese Companies, Take Your Company Public, call Princeton Corporate Solutions at 267-233-0183Take Your Company Public the easy way!

Take Your Company Public With A Direct Public Offering (Fast and Simple!)

If you are considering going public you are coming from one of two positions: you are either coming from a position of liquidity where you have the capital to spend $200k to go public on the OTCBB or you are coming from a position of weakness and you don\’t have liquidity.

For the former, going public is easy, find a consultant with a solid track record and take your company public, you\’re ready to go. For those of you who are coming from a weakened position due to lack of capital you should strongly consider taking your company public with a DPO (direct public offering). Typically a DPO starts with a PPM (private placement memorandum) that breaks your company into shares and prepares it for the public eye. Form D is then filed and you\’re then ready to start raising capital.

The only downside is, most companies have no one to invest in the PPM and their transaction is dead in the water. A DPO is an extremely powerful process which allows you to not only offer shares to your friends, family and professional contacts but you can also team up with an investor finder company that will contact their seed capital investor database to help you raise capital fast and easy if you are willing to sell seed stock at a discount before you go public.

Be prepared to pay a modest fee upfront as well as a small equity position as these investor finder services know full well that power that they possess with their database. If you successfully contract with a real, viable investor finder service, they will most likely want to be the consulting group that takes your company public as well. Be smart; sign on with them as they will have a vested interest in your success.

They will most likely communicate electronically with their database members via email. As interest by the investor group builds, you the company owner, will have to take over the closing as it is illegal for non licensed investor finder services to take over the closing and issuance of shares on behalf of your company.

Think of a DPO with an investor finder service as the golden tuna that can solve all of your problems in one swift movement. You can find these groups by going to your favorite search engine and typing in word combinations like \”investor finder\’\” or \”investor finder service\”. You can team up with a solid investor finder service and they will take you all the way!

Foreign, Indian and Chinese Companies, Take Your Company Public, call Princeton Corporate Solutions at 267-233-0183Take Your Company Public the easy way!

Take Your Business Public: Here Is The Process

Becoming a publicly traded company is an exciting and rewarding experience. The following sets forth the method, steps, fees and estimated timetable to go public on the OTC Bulletin Board (OTCBB) \’from scratch\’, or through a self-filing and discusses the 1934 Exchange Act responsibilities after a company\’s registration statement has gone effective (after the company has become publicly traded):

Prior to filing the registration statement, a company that wishes to go public must first obtain an audit of the Company\’s financial statements for the past two fiscal years. For most companies, the financial audit can be completed in about a month and costs typically range between $5,000 and $25,000, depending on the complexity of the company financials.

A public company will also need shareholders. To that end, if additional shareholders are needed, the company going public will need to complete a self-underwritten Regulation D, Rule 506 offering in which the company sells shares of its stock to investors for real consideration. This is not a difficult task, so long as you have a properly prepared private placement memorandum (PPM) and you follow the relatively simple rules of Rule 506. The price per share and number of shares offered can be determined by the Company, but most registered broker-dealers that will eventually submit a Form 211 for an OTC Bulletin Board quotation prefer to have a minimum of 400,000 shares distributed among the investors.

In addition to the minimum number of shareholders requirement, a company must have free-trading shares, called the \’float\’, in order to go public. Upon completion of the private offering and the financial audit for the prior two fiscal years, an S-1 Registration Statement must be filed with the Securities and Exchange Commission (\”SEC\”) to register the shares sold in the private placement, thus creating the free trading shares. The completion of the S-1 process with the SEC will make the Company a 1934 Exchange Act reporting company, which is required in order to obtain a quotation on the OTC Bulletin Board. The SEC will review the S-1 and provide comments within 30 days from the filing date. Comments from the SEC typically relate to the terms of the offering, the Company\’s business and its financial statements. It usually takes between 2 to 3 months for the SEC to approve a registration statement on Form S-1 and for the S-1 to become effective. However, the actual amount of time will depend on the level of review and number of comments given by the SEC and the corresponding response time by the Company in filing its amendments.

Shortly after filing the S-1 registration statement with the SEC, a market maker must be \’engaged\’ to file a Form 211 application with FINRA for the purposes of obtaining a quotation of its common shares on the OTC Bulletin Board. It is important to note that market makers cannot receive compensation for making a market in a stock, thus typically you must have connections to accomplish this. The timetable for approval of the Form 211 process is approximately 3 weeks to 5 weeks. However, the Form 211 will not be approved until the S-1 is approved by the SEC since the approval of the S-1 provides the \”free trading\” shares necessary to obtain the OTC Bulletin Board quotation.

The completion of the entire process to become a public company typically takes approximately 3 to 4 months from completion of the private offering and financial audit, however, the actual time could vary based on the factors discussed herein. If done right, with planning, hard work, the proper foresight, and a good firm guiding you through the process, going public is a truly exciting and rewarding experience.

Go Public With Your Company, call Princeton Corporate Solutions at 267-233-0183Take Your Company Public the easy way!

What Is A Direct Public Offering (DPO)?

A direct public offering is when a company raises capital by selling its shares directly to what is referred to as affinity groups, unlike an IPO which are sold by a broker dealer to its customers and the general public through other broker dealers who have customers interested in buying shares in the company.

In IPO\’s you have a firm commitment underwriting, where the underwriters promise to purchase the securities for their own account if they can not sell them to customers.

Best-effort underwriting: The underwriters do not guarantee any specific number of shares to be sold, they merely act as brokers.

In an IPO the lead underwriter is referred to as the syndicate manager, he keeps the book and invites other broker dealers to join the syndicate. In a firm commitment underwriting, an underwriter\’s agreement makes members liable for any unsold securities, regardless of how much of their allotment they sold. .

In a direct public offering the company sells the shares to affinity groups; who falls in this category? Customers, suppliers, distributors, friends, family, employees and other members of the community. In a direct public offering (DPO) the company places its shares in the hands of those people who are familiar with the company and know the company\’s product and management, and are most likely to hold the shares longer because they feel comfortable with the company\’s prospects for the future.

Direct public offerings are considerably less expensive than IPO\’s and most effective for smaller offerings, for large offerings the sales staff and customer base of a broker dealer are usually necessary.

Since the affinity group is already familiar with the company and its practices it doesn\’t put pressure on the company to change the way it does business, and will remain loyal to the company because of it\’s presence in the community.

DPO\’s are preferable to venture capital financing because it allows the present management to execute its business plan without outside interference. When a small company turns to a single large investor they tend to surrender the freedom to make all the decisions.

In a DPO like other methods of going public today audited financial statements are required. Unlike a reverse merger you choose your shareholders and you don\’t have to deal with shady, unscrupulous shell owners.

Shell owners usually keep between 5-15% of the shares outstanding and are quick to liquidate, and they do not have an interest in the well being of the company\’s share price. Even if you insert a stipulation in the contract that they can not sell for a year they will find a way of shorting the stock and destroying the share price.

This makes the DPO a preferable option even for companies that don\’t need financing but would like to go public.

A DPO does not always require audited financials but if you plan on going public you will need them. So you must hire an auditing firm that is \”peer review\” or PCAOB.

If you wish to take your company public then you must file a form S-1 with the Securities and Exchange Commission and a form 211 must be filed with FINRA.

A DPO is an alternative to an IPO or Reverse Merger for a company wishing to go public or obtain financing; it allows the company owner(s) to call the shots instead of an underwriter or a shell owner.

Take Your Company Public, call Princeton Corporate Solutions at 267-233-0183Take Your Company Public the easy way!

Take Your Company Public: You Need Strategic Alliances

When an investor is looking at your business they are obviously looking for the basics: an executive team that has worked with other companies in your industry at the exact stage you are at now with a solid track record of success, an active advisory board that is eager to help and has a solid comprehension of your industry, a board of directors that acts as your company\’s strategic think tank and action center where the tough issues get dealt with and questions get answered. Investors also want to see that you are in a growth industry and that all involved have the discipline to step out of the emotional ups and downs of a start-up or company seeking capital and look at the business objectively.

All this said, the one aspect to creating a salivating group of investors is your massive and powerful strategic partner database. These partners are able to enhance your company is ways of distribution, sales, contracts, legal, tax etc. The partners that you team up with are often build off of and initiated by the rapport of your executive staff, board of advisers and board of directors. Your corporate attorney and accountant should also contribute heavily to helping you build strategic alliances with like minded companies in their client base. These companies that you are teaming up with allow for rapid expansion and optimal eye candy for people that are interested in placing capital with your company. Having some big names in your corner with the label \’strategic partner\’ just sweetens the pot. Companies thrive and dive on relationships.

If you are considering raising capital with a Regulation D exemption like 504, 505 or 506 (also referred to as a Private Placement Memorandum) chances are, your company will be funded by angel investors, private investors and other private equity money sources. Having a powerful partnership base is like adding a blanket and warm milk to your business plan and PPM when handing if off to the investor, it\’s soothing and comforting to see that you\’re not alone but you have some big names helping you on the road to success.

Are you thinking about taking your business public? The same thing goes. The public wants to see that you are in bed with big names who can step in and help your company out of a tight spot and that you can co-op advertisements and promotional campaigns together.

Raising capital is easier when you are moving forward with establish partnerships to ease the weight of the load and stress that comes with a growing company.

For Corporate Consulting or Strategic Partners, call Princeton Corporate Solutions at 267-233-0183Take Your Company Public the easy way!

Boat Insurance Quotes – The 4 Important Tips To Get The Best Boat Insurance Coverage

When it comes to taking care of insurance, owning a boat may be no different than owning a car except that you may find that there are differences in their requirements. When compared to cars, boats are not really the general mode of transportation which is why one might not be confident about choosing the right boat insurance policy. However, with little or some knowledge in car insurance, one will not have such a difficult time scrutinizing for the best boat insurance.

In order to guide you in deciding where to get the insurance coverage for your boat, take note of the following tips:

1. It is also likely that auto insurance companies would also sell other forms of insurance. So, if you already are an existing car policyholder, it may be a good idea to ask from your car insurance company if they are also into selling boat insurance policies. Your first source of information for boat insurance quotes should come from them. Because you need to make sure you get the best deal from a boat insurance, you don\’t stop looking for more information right there.

2. You can also ask for boat insurance quotes from specialty insurance companies and they would gladly give them to you for free. Yes, all it takes is for you to collect different boat insurance quotes from them so you can make a better comparison of the different insurance policies. To help you with your decision, it is important to know what are the things that you really want from a boat insurance policy, something that would perfectly match your boat insurance needs.

3. When deciding on getting an insurance policy, you should also know how much is the actual value of your boat since your insurance premium would also depend on it, along with other factors like where you will be sailing, where it is kept when you are not sailing, and other common risk factors. Usually, it\’s the insuring company who will make the assessment based on the facts you provide when they ask you questions prior to their preparation of the boat insurance quotes. You must remember also that to get an accurate quote, basically, all it takes is some honesty in filling up or answering questions by phone or from the forms that are provided online.

4. After knowing the actual value of the boat and all other factors , you are also expected to choose between actual value and agreed value types of policy. When you choose the actual value type of policy, you would agree to have a policy based on its actual market value at the time of claim. If you would go for the agreed value, it is expected that both parties, you and the insuring company, have agreed on a fixed amount for an insurance claim. Take note that your choice of policy can determine the amount of insurance premium you are going to pay.

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Annuity Payment Advice: Receiving a Lump Sum vs. Keeping Your Payments!

Lots of people want to know whether keeping their payments is better than taking a lump sum to invest. Getting the best annuity payment advice can be hard these days and boy, do we need it. This recent economic downfall proves it so. But, an economic recession almost always springs out the best opportunities. Should you start investing or keep the annuity payments rolling. It\’s a dilemma.

There\’s no shoe fits all answer to that question. For some it\’s more financially sound to keep those payments rolling because lack of investment knowledge. While others maybe investor savvy enough to take a lump sum and turn it into bigger payments than they had before.

However, not every person faced with a lump sum will be tempted to spend the money foolishly. There are people out there that know about investing or have been investing prior to the annuity payments so they\’ve invested successfully. If you haven\’t had any success investing in things in the past then you might want to proceed with caution when cashing out your annuities.

Here\’s a list of warnings and examples of people who have experienced the downfalls of cashing out their annuities.

* Some people have gotten their lump sum and didn\’t consider managing it wisely. This is because for some they weren\’t prepared for large amounts of money so they got overwhelmed with the delusion of wealth and became careless.

* You want to use investment advisor that are not there just for secondary gain or for what they can get out of you. So many times an annuity owner will get their lump sum to only invest in risky speculative investments.

* Another factor is being too generous to your family and friends. There\’s nothing wrong with giving but when it comes to losing it all just because you were a little too generous then that\’s a problem. I\’m sure you already know this already but you\’d be surprise how forgetful this concept can be once you received the money.

* There are business people who talk annuity owners into investing in all kinds of business adventures that seem very profitable but only to find out that they are no ware near as profitable if you look at the core.

* There have been times when all types of bad addictive behaviors in the person have been magnified do to the new found increase of money with selling the annuity.

* Believe it or not sometimes some charity institutions start calling asking for donations. They even send some slick reps to convince you to donate money. There\’s nothing wrong with donating.

The last thing I\’d want is for someone to say that I said don\’t donate. No, I\’m not saying that. I\’m just saying be smart with selling your annuities if you decide to sell it. Also take advantage of some of the precautions I\’ve listed on this page.

I hope at least something or one thing was helpful to you on this page.

Thanks… John

John Pulaski is a journalist and researcher in US finance and economics. He\’s helped many people with annuity payment advice. He believes in advice that is futuristic and helping people manage their incomes in such a way that will help solve core financial problems that cure.

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