Oil September 6th Penny Stock Winners, Losers, and Bottom Scan

Oil

Today's Winners and Losers

Today's Bottom Scan

Oil September 5th Penny Stock Winners, Losers, and Bottom Scan

Oil

Today's Winners and Losers

Today's Bottom Scan

Earn Swing Trade Idea: RGLD

Earn

RGLD offers good swing trade potential. Stock is breaking out of small consolidation. 4 to 5 dollar potential from here

Signals Why You Shouldn't Manage Your Friends' Money

Signals Why You Shouldn't Manage Your Friends' Money So you put away some nice returns this year - not too shabby. While you can't be blamed for bragging about good performance, it's not uncommon for friends to want a part of the action. What would you do if a friend asked you to make investments on his or her behalf? In this article we'll show you the highs and lows of investing for others. Taking Advantage of Your Financial Knowledge It's no surprise that your pals might want you to manage a couple of bucks for them. If you're pulling down decent returns and talking about your investing strategies, you've now become the go-to guy (or girl). These days, money talks and people who understand the financial world are getting a lot of respect as young people realize there's more to investing than they once thought. If you have financial knowledge, people who know you might view you as a very valuable commodity - a free money manager. All too often, the person asking you to invest his or her money is the person who knows a little something about investing - just enough to get into trouble. If you're nailing double-digit returns this year, why couldn't you repeat the performance year after year, right? The Problems with Investing for Others You may think that investing for someone else is just a way of helping out a friend, but the thing is, when you start investing for other people, particularly your friends, you enter a world of complications that you might not have foreseen when you started out. Unrealistic Expectations That friend of yours, the one who thinks that your 35% returns this year are going to happen next year as well, might be in for a nasty surprise when your picks make next to nothing. When you invest for friends, you have to deal with unrealistic expectations that can really put a damper on a relationship. If your friends wants you to invest for them, they likely don't understand all of the risks involved with investing, including not quite meeting the investment goals that they may have been projecting. Losing a Friend's Money Not meeting a friend's investing expectations could jeopardize your friendship, but falling short of your friend's projected returns could be a best-case scenario. When things go wrong, making some money is a lot better than losing money, which isn't an abstract concept for anyone who invests actively. When you bring money into a relationship, things can get uncomfortable pretty fast, especially when that money is hemorrhaging out of an investment account. Do you tell the friend to suck it up? Do you repay the person out of your pocket? Do you try to make up the difference with new picks? Really, there probably isn't a good way to deal with losing a friend's money and you should consider this risk before you agree to invest for anyone. Legal Matters Managing a friend's money is a sticky business and if you go through with it you may be breaking the law. Investment professionals must be registered with the Securities and Exchange Commission or have a federal license. They are heavily regulated by the government and by trade organizations like the National Association of Securities Dealers, for the protection of consumers. If you invest for a friend for compensation, you could be breaking laws that are in place to protect investors from people who aren't qualified to have discretionary control over others' accounts. Short End of the Stick Despite the drawbacks, investing for friends isn't always doomed to failure. With skill, smarts and a whole lot of luck, you might rake in the cash. If that's the case, you still have to consider whether or not your friend is taking advantage of you. Helping out a friend is nice, but when that help consists of making significant amounts of money for that person and getting little or nothing in return, you might be suffering from an off-balance relationship. What You Can Do for Friends Now that I've taken the wind out of your sails, and your friend's as well, there are things that you can do to help your friends' investments without burdening yourself with the substantial responsibility of investing someone else's money. One of the best ways to lend a hand is to help teach your friend about investing. Help Them Learn There are a lot of pitfalls out there for new investors. If you're lucky, you've been able to avoid quite a few of them or you learned how you should have gone about avoiding them. The benefit of your experience can be one heck of an asset to pass on to a friend and it won't cost either one of you personally or financially. Therefore, if you want to help your friends, work with them; show them how to analyze a financial statement, how to execute a trade online, how to look up business news, or how to find online resources. Investment Clubs Going farther still, there is a popular way to invest hands-on with friends without taking on the responsibility that an investment advisor would feel for a client - the investment club. The investment club consists of a group of people who vote to decide whether or not to buy or sell their group-owned investments. Investment clubs are great, because they allow a more personal approach with actual investments than just helping someone with investing concepts. These clubs will also give you a vested interest in performance of your friend's portfolio. If you're interested in starting an investment club, there are plenty of resources available, ranging from your broker to the internet. It's important to recognize that an investment club isn't just a couple of people who want to invest together - it's a formal (and legally defined) organization with members who have an equitable claim to their assets. This means you should look into the rules and laws that govern investment clubs where you live before joining or starting one yourself. The Bottom Line Investing for a friend usually isn't worth the amount of trouble it can cause. Money just isn't something you want to bring into a good friendship. In the end, by helping your friends invest on their own, you'll be doing them, and yourself, a much bigger favor.

Oil Student Loan Crisis Looms: FICO Risk Survey

Oil Daily Ticker Despite recent headlines cheering positive trends in the economy, there is still much to be concerned about, according to FICO's new quarterly survey of bank risk professionals. More than two-thirds of risk managers are seriously concerned about the debt loads held by students in the country. 67% of respondents believe delinquencies of student loans will rise, up a considerable 19% from the previous survey. 'They are worried about the amount of student loans that are out there and the ability of those students to repay them,' says Mark Greene, CEO of FICO, which provides credit scores used by both consumers and creditors and is widely considered the industry standard. With tuition prices on the rise each and every year, it is no surprise that the total amount borrowed is also on the upswing. The student who graduated in the class of 2009 had an average of $24,000 in student loans. But that's just the average. Some students are accountable for sums totaling $100,000. (See: The Economic Agony of Today's Twenty-Somethings) The Federal Reserve reported last year that student debt has actually surpassed credit card debt and predicts the total amount owed has topped $1 trillion. Greene's advice to students is: 'Be careful what you borrow.' 'Clearly education has a great return on investment so there is no suggestion you should avoid taking out loans, but be careful what you are getting into,' he says. 'Manage your student loans as carefully as you would your mortgage, your credit card or something else.' Other problem areas listed in the survey include credit card debt and mortgage debt. Credit card debt increased 8.5% to $5.6 billion in November from October, the biggest gain since March 2008. 45% of risk managers surveyed expect credit card delinquencies to rise while 21% expect a decline. And 54% of respondents believe credit card balances will rise. Those figures are more pessimistic than the previous quarter. As for mortgage debt, 47% of risk managers predict mortgage delinquencies will rise while 13% expect to see a decrease. 'If you are looking for risk managers to declare that we've turned the corner, they are not declaring that yet,' says Greene. Do you think the economy is improving or still has a long way to go? More from The Daily Ticker: Forget Harvard and a 4-Year Degree, You Can Make More as a Plumber in the Long Run, Says Prof. Kotlikoff Brain Drain: Most College Students Learn Next to Nothing, New Study Says Jame's Altucher's 8 Alternatives to College Related Quotes: ^GSPC 1,292.18 -0.30 -0.02% BAC 6.76 -0.11 -1.60% C 31.36 +0.09 +0.29% GS 98.96 -0.80 -0.80% JPM 36.44 -0.22 -0.60% WFC 29.54 -0.08 -0.29% PNC 61.51 +0.21 +0.34% FAZ 31.80 +0.23 +0.72% FAS 75.30 -0.53 -0.70% XLF 13.83 -0.04 -0.26% ^DJI 12,432.54 -16.91 -0.14% DFS 26.16 +0.30 +1.16% V 100.99 +1.88 +1.90% MA 342.76 +1.29 +0.38% MS 16.92 -0.18 -1.05%

Oil UYMG Issues Impressive News Today

Oil UYMG is a stock I posted last week as a bounce candidate.  Today's news could help bolster investor sentiment.  After posting some strong revenue numbers the president of UYMG stated:

'Our authorized share count has risen this year to account for our transition into On Track Technology becoming our main subsidiary. We will not be raising the Authorized share count any further while we control/own UYMG,' said Michael Oliver president of Unity Management group Inc. He went on to add that our valuation or market capitalization is very low for the nature of what we are trying to accomplish. Our valuation is that of many OTC Market shell companies at this time. We are not a shell and have many results, announcements, and filings coming, that will yield a higher value immediately as traders and investors participate in the trading of our stock. We are looking for millions of dollars of value and business here, not 10s of thousands or hundreds of thousands.

Might not be a bad time to take a closer look at UYMG.  I think the stock heads back over $.002 this week... but what do I know?



On Track Technology Begins Work On Production Leases In Navarro County
EAST HANOVER, N.J., Sept. 4, 2012 /PRNewswire via COMTEX/ -- Unity Management Group (OTC Pink: UYMG), a business resource and service company, is pleased to announce its wholly owned subsidiary, On Track Technology Solutions Inc. (OTT), and their consulting firms have entered into a farm out agreement to begin work to establish production on a group of contiguous leases in Navarro County. There are approximately 52 wellbores with 6 being State approved injection wells; wellbores identified at the Texas Railroad Commission as lease numbers 01689, 02032, 02033, 02216 and 02503.

OTT President, Eddie Schilb said, 'On Track is working with an area Geologist, and a Chemical firm to develop a confidential completion, and chemical Huff & Puff treatment using Co2, Nitrogen or a combination of the two. Based on conversations with one Petroleum Engineer we believe a potential of 89 BOPD may be achievable upon a successful implantation, and successful results of treatment, installation of proper production equipment, and pressurization of certain/specific wellbores within the leases. While the price of oil varies daily we used $86.08 per barrel (todays price although most 5 year forecast is $101.07 Per Barrel); upon successful implementation 89 BOPD would add approximately $186,318 per month or $2,235,821 annually.

On Track Vice President and Staff Engineer Ayo Odetunmibi commented that this property fits nicely with our other properties. 'We are looking forward to testing these wells; it is an exciting time and I am excited about the potential in this field. Eventually we want to test the possibility of other profitable formations on this acreage.'

'Our authorized share count has risen this year to account for our transition into On Track Technology becoming our main subsidiary. We will not be raising the Authorized share count any further while we control/own UYMG,' said Michael Oliver president of Unity Management group Inc. He went on to add that our valuation or market capitalization is very low for the nature of what we are trying to accomplish. Our valuation is that of many OTC Market shell companies at this time. We are not a shell and have many results, announcements, and filings coming, that will yield a higher value immediately as traders and investors participate in the trading of our stock. We are looking for millions of dollars of value and business here, not 10s of thousands or hundreds of thousands.

Signals September 7th Penny Stock Winners, Losers, and Stock Scans

Signals

Today's Winners and Losers

Today's Bottom Scan

Signals BBDA Hits New Highs - Continues its 2 Month Long Rally

Signals

I don't like to revisit a stock on a daily basis, but BBDA continues to give me a reason to write about them.  The stock sat at $.0003 a little over two months ago (its 52 week low) and hit a high today of .0172 today.  If you bought $1,000 of BBDA stock at the $.0003 price,  today those shares were worth $57,333 at the high.  If you bought $1,000 of BBDA stock when I alerted it my subscribers at $.0003/.0004,  they were worth $43,000 at the high today.  Just a great rally and just when you think its going to stop, it picks right back up and heads to new highs.

http://pennystockgurus.blogspot.com/2012/08/bbda-stock-soars-from-00030004-to-0144.html

http://pennystockgurus.blogspot.com/2012/08/bbda-stock-hits-01-share.html

http://pennystockgurus.blogspot.com/2012/08/bbda-hit-0119-share-from-0003-alert.html

Signals August 16th Penny Stock Winners, Losers, and Stock Scans

Signals

Today's Winners and Losers

Today's Bottom Scan