Investing and Investment Tips

Welcome to Our Site

Posted by on Dec 17, 2014 in Uncategorized |

homeAre you wondering if there was a way for you to make better and more informed investments? At Piqqem, we tap into the Wisdom of Crowds as well as the timeless wisdom of financial and stock market experts, allowing us to deliver information, advice and tips about sound investing.

Piqqem – Financial Solutions at Your Fingertips

Whether you are a veteran investor or trying your hand at investing for the first time, we have just the right solutions for you. We employ a balanced approach to investing. Our aim is to strike a balance between proven investing principles and dynamic, innovative approaches that have worked quite well for a lot of younger investors. However, we stay away from “fad” investments, but stay grounded on sound investment principles. With all these financial solutions at your fingertips, you can protect your finances and take control of your investments.

Investment Opportunities

At Piqqem, we help you identify new investment opportunities. We will equip you with the strategies you need to seize these opportunities. Moreover, we want to ensure that you gain mastery of your investments and portfolio in an ever-fluctuating market.

Whether it’s analyzing the latest earnings reports or discovering new market trends, we are here to help you make an informed decision on where to put your money.

Financial Freedom

Simply put, you want to invest to attain financial freedom. That’s what everyone wants. By putting your money – intelligently – in a variety of investment options, you’ll have plenty of money for practically everything including education, recreation, housing and retirement. You may have a few thousand dollars saved or you may have nothing right now. Whatever the case, Piqqem will help get you going on the road to financial freedom.

How Piqqem Can Help You Beat the Market

Join Piqqem now and enjoy limitless access to important investment and financial information that are unobtainable elsewhere. Financial information and advice that were previously unobtainable are now at your beck and call – enabling you to follow market trends and beat everyone to the draw.

We matter a lot when it comes to enhancing your bottom-line.

Join Piqqem today!


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Factors to Consider in Creating an Investment Plan

Posted by on May 24, 2015 in Finance, Investing | 0 comments


One of the best ways of securing a brighter and secure future is by choosing an effective investment plan. There are numerous investment options available that can be effective in all types of investors. These investments plans guarantee high returns as well as growth in your investments. Effective investment planning involves coming up with concrete investment objective as well as carrying out an assessment of your assets and resources. You must also make an estimation of your desired future economic needs as well as financial goals. There are numerous variable factors that you must take into consideration during the process of investment planning. Some of these factors include risk, investment costs, taxes as well as retirement plan.

You can either choose to involve a professional in creating an investment plan or you can create one yourself. To achieve your financial goals while developing your own plan, you must ensure that the plan is well set, using all the available resource. Most investors make use of numerous resources including books, computer software as well as online resources. However, there are several things that you must consider. First, it is very important that you state your long and short term goals. This will help you decide on which strategy to use in your plan. In addition, the short term investments will help to earn money to cater for the possible future risks and losses. You should also determine how much capital you are willing to invest in.

content_marketing_opi_photo395412-10-2012 (4)Risk assessment is one of the best investment strategies of ensuring higher returns. You must take into account the level of risks involved in your investment before deciding on how much money to invest. You should ensure that there is a balance between the potential gains and losses. Managing risks will not only help in pursuing greater investment opportunities but will also prevent the risks from re-occurring or from happening severely in future. Another strategy is by diversifying your investment. It is recommended that you start with several investments, allocating a small amount of your money in each. This will avoid dependency on one investment reducing the risk of losses and increasing growth opportunities.

Today’s market offers a wide variety of investment options. Some of these options include investments in stock, IPO, mutual funds, equities, bonds, property as well as no convertible debenture and dividends. Most companies allow investors to use the dividends received every year in purchasing additional shares. These dividends normally remove the sales charge increasing the returns from your additional shares. IPO’s have also been proven to be among the quickest ways of growing your money. It is advised that you research thoroughly to understand the trends in the companies you wish to open an IPO with.

These are some of the best strategies that you can use to yield more profits in your investment. If you feel uncomfortable laying out your investment plan on your own, you should find an experience and trustworthy investment expert to guide you. It is also very important that you research on the numerous money saving tips in order to cut investment cost as you increase returns.

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Why You Need a Formula to Evaluate Stocks

Posted by on Dec 17, 2014 in Blog |

Beginning investors are often in a dilemma when picking good stocks. They want to earn but don’t want to lose. To evaluate various stocks, you should use a formula. Once you know its importance, it will be a breeze to invest your money, knowing your stocks are earning well. Here are some reasons why you need to use a formula to evaluate stocks.

  1. To Find Stocks that Meet Certain Criteria

You need to use a formula to find the stocks that meet certain criteria. A formula will help you to:

  • Evaluate each stock for a variety of variables.
  • Find the stock that matches your needs.
  • Know the stock that works best for you.

Without this, you could have problems with your stocks not meeting a set of criteria.

  1. To Evaluate the Stock’s Historical Trends

Use a formula to evaluate the stock’s historical trends. By looking at this, you will:

  • Know how stocks performed in the past.
  • Have a general indicator of how they will perform in the future.

A formula will predict what the stocks could end up in the future.

  1. To Spread Your Money

A formula will help you see how to spread your money. Most times, these happen:

  • People invested all their money into one stock.
  • This led to losing all of their money.

A good example would be General Motors. When it collapsed, countless people lost all their money because this was the only stock they owned. With a formula, you will see where you should invest your money, and not rely on a single stock.

The stock market is a great way to make money, but most people are unsure about what stocks to invest in. Use a formula to evaluate stocks, and start earning money on a regular basis.

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Investment Ideas on a Low Budget

Posted by on Dec 17, 2014 in Blog |

Most people believe a business could only succeed with extensive capital funding. To some extent, this is true for business ventures that rely on a substantial start-up capital. On the contrary, some businesses flourish with the absence of large capital bases.

If you are starting a business on a low budget, here are some ideas and tips you should take into account.

  1. Identify the Appropriate Business Gaps

A business gap is normally an opportunity which exists in any business environment. To start a business on a low budget, do the following:

  • Identify a business opportunity that doesn’t require large financial investments.
  • You can pick on simple hawking or venting.
  1. Determine Number of Customers

It’s essential to determine the number of customers your business will attract. For your business to experience huge profits annually:

  • You must have a good customer base.
  • Your products or services should be fast moving and highly demanded.

Through these, you can start a business on a very low budget. You can earn profit turnarounds, more than your capital investment.

  1. Seek Professional Advice

Seek professional advice from:

  • Top level marketers
  • Market analysts
  • Economists

These people are well versed with market trends you will encounter. For your business to succeed on low budget estimates, you should have pertinent knowledge about:

  • Present
  • Future market trends

With this information, you can evaluate your investment opportunities for a high-income generating business venture.

  1. Identify Market Sectors

It’s vital to identify market sectors where there’s a great demand for services. A good platform is the internet, where you can:

  • Start a business with the lowest budget.
  • Have an amazing place that bears significant business expansion opportunities.

In internet business, you can take part in:

  • Affiliate marketing
  • Online advertising
  • Network marketing

These businesses rarely require large capital. Instead, they call for sufficient web traffic.

Learn from this information, and decide on a low-investment business opportunity with high-generating income.

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Ways and Means to Invest Your $100,000 Savings

Posted by on Dec 17, 2014 in Blog |

Do you have $100,000 in savings? If you do, then here are some advice on where and how to invest your savings.

  1. The Stock Market

The stock market is volatile and people can lose money by investing in stocks. However, most have become wealthy by doing so. Others made excellent profits as well. If you have $100,000, then consider investing in stocks.

If you do decide to invest in stocks, consider:

  • Don’t just buy one type of stock.
  • The choice is ultimately yours.
  • You can invest in any stock you want.

Regardless of what you decide to do, keep in mind there are risks involved.

  1. Real Estate

You can invest in real estate by buying property on your own. Or do the following:

  • Contact a real estate company.
  • Tell them you want to buy property for $100,000.
  • Explain to them you want to make an investment.
  • Tell them exactly what your plans are.
  1. Forex

Foreign exchange can be volatile as the stock market. However, most people make tons of money when they invest in it. You might want to invest your $100,000 in Forex. The following will happen:

  • You’ll be surprised at how much money you earned.
  • Be aware that you could lose money as well.
  • But you may easily get it back.
  1. Start a Business

You could also invest in business. You dreamt of starting one, but never had the funds. Your $100,000 is a good amount to set up your business.

  1. Invest into Someone Else’s Business

You could also invest in another person’s business, as a venture capitalist. You can invest:

  • The entire $100,000 into one business.
  • In a number of businesses.

Once you’ve figured what to do, remember their pros and cons to help you decide.

These are the ways and means to invest $100,000 of your savings. Like most investments, there are risks involved. Investing your money leads to rewards, if you know your options. Do some research and go from there.

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Top 10 Websites You’ll Need to Study Investing

Posted by on Dec 17, 2014 in Blog |

Information about investing abounds, but most of them are junk. To streamline your web options, below are the top 10 investment websites. Each site is well worth your time.


This is the website to learn about investing. Its features and topics are:

  • A huge site with great content that covers everything you need about investing.
  • Email based newsletters are filled with valuable information.
  • You can use their stock simulator.
  • Do research on stocks.
  • Learn about the fundamentals of investing.
  • How to handle personal finance and more.
  1. Yahoo Finance (

This stands out among big portal news sites. It’s well laid out with information on any investing topic. Its company reports may cost a fee, but everything else is free.

  1. Motley Fool (

This started as investing books for individual stock investors by two brothers. It has grown to a hugely successful investing business.

The Fool’s focus has always been, and still is, empowering an individual to take charge of his own investing.

They felt big investment firms took advantage of individual investors. They wanted to place the latter on equal, if not better footing, with the former.

This is a fantastic site for:

  • Educational information
  • Investing news
  • Stock recommendations
  1. Investor Guide (

This site may be similar to others listed here, but it has one stand out feature, its stock helper tool. You can use it to:

  • Find an ideal investing approach and style.
  • Get a list of potential investment companies to research.

You’ll also see what others think of your list of companies.


Great site but you may want to hold off, until you have a grasp on investing. The amount of information can be overwhelming.

Its best feature is company news. Wait on this site until you have a list of considered companies; and then, follow them here.

  1. Investor’s Business Daily (

Fantastic site for:

  • News
  • Stock analysis
  • Charts
  • Trading and more

The news and information are fantastic. It’s also a great place to learn about a specific investing style:

  • Developed by Investor’s Business Daily founder
  • A form of momentum trading
  • Combined reading and technical charts
  • Company fundamentals

Loads of information back up this style, also you:

  • Get IBD’s top stocks based on its formulas and more.
  • Will learn about this approach.
  • May include parts of it with other investing styles you find intriguing.

It’s a great web site to learn about investing. Get access to educational information and articles on a variety of topics like:

  • How to trade stocks online.
  • The ins and outs of day trading.
  • The best investment books to further your education.

A really nice feature is questions you need to ask a broker before investing. It includes articles on topics such as:

  • General investing
  • Reading stock charts
  • Even personal finance

This is actually a game about online stock trading where you can play for free. It’s a fantastic way to learn about investing. You learn by doing without risking your hard earned cash.

Instead, you can test your stock investing prowess in a virtual world. Check your education and stock picking style.

You’ll make mistakes but instead of losing cash, you’ll learn and improve. It’s fun and there are contests held, where you can win real money.


This site is exactly that, free investing lessons! They have an educational 8-part video series about trading stocks.

You’ll learn from topics like:

  • The differences between stocks and bonds.
  • How stocks are traded and their tax consequences.
  • How to read stock charts.
  • Tips on building your investment portfolio and more.

It’s definitely worth your time.


A high quality site to get started, Learn all you need to know about stocks and investing. The information covers a variety of topics with in-depth details.

Give these investing sites a try. You’ll have everything you need to become a successful investor, in your own right.

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How to Search and Find Good Stocks for Your Money

Posted by on Dec 17, 2014 in Blog |

Investing in the stock market is one of the best ways to make your money grow. Instead of parking your money in a bank for a measly 0.5% per year, take your money and invest in stocks. Your money will earn more.

Greater Risks

Investing in stocks carries greater risks, thus most people hesitate. They heard horrible stories about people losing their life savings, when invested in the wrong stocks. While there are risks involved, you can keep them to a minimum if you know what to do.

Search and Find Good Stocks

It’s not as difficult as you think. Contrary to popular opinion:

  • Picking winning stocks is not a talent possessed by a few geniuses.
  • You have to spend hours poring over economic indicators.

With a few guidelines, you can pick a winner almost every time.

  1. Diversify Your Investments

Remember, you are starting out in the stock market, so keep your investments diversified. Even if you found a sure-fire winner, consider the following:

  • Do not sink all your savings into a single stock.
  • Spread your investments over a wide range of companies.

With these, you can insulate yourself from unexpected scenarios which cause a single stock to lose value.

  1. Several Sources of Information

Use several sources of information as possible. You should:

  • Read widely.
  • Keep your eyes open for tips.

A bit of information can lead you to a well-positioned stock.

  1. Choose a Good Index Fund

If you have no time to research individual companies, you can:

  • Choose a good index fund.
  • Park your money there.

These funds mirror the overall movement of the stock market. As long as the market goes up, your money appreciates.

  1. Also for Long-term Investments

This sensible approach goes for long-term investments as well. No one can beat the market over a long term, so:

  • An index fund means you will do as well as anyone.
  • Look for a fund with low fees, to keep your profits.

Now you’ve learned how to pick good stocks, invest on some today. You’ll be financially secure for the rest of your life.

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Getting Started on the Stock Market

Posted by on Dec 17, 2014 in Blog |

Stock market trading is a field where you need basic methods and techniques. It’s a skill that has to be learned. It cannot be simplified. The right tips and techniques will turn you into a successful trader for your future.

  1. Never Jump on Every Hot Stock Tip

The best advice you will ever get is to never jump on each and every hot stock tip tossed your way. Usually, once other investors or the news talk about a hot stock, your chances have gone out. Due to these, you need to:

  • Learn to look for hidden gems of the stock market world.
  • Work on sinking your teeth in, from the floor so you can enjoy the overall rise of the stock.
  1. Learn to Read Signals

When you begin trading in the stock market, you should learn to read signals that are given. Today, these are available:

  • Computer programs
  • Smartphone apps

They will give you the latest trends and updates about signals.

  1. Get a Broker to Help with Your Transactions

Depending on your skill and comfort levels, you should get a broker to help you out with your transactions. Your options are:

  • Day traders
  • Swing traders
  • Full service brokers

They can help you out with all your needs. Also:

  • Ask your friends or relatives who can give a good referral.
  • You can check on some of the top brokerages listed online.

The stock market is certainly complicated. You should not get involved unless:

  • You did your homework first.
  • You have tapped into all available resources.

Set yourself up for success. Keep in mind that there will be some glitches you will encounter along the way. Plan for them and you will move in the right direction, to become a seasoned trader.

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Common Investment FAQs

Posted by on Oct 19, 2014 in Blog |

Whether you’re a new or an experienced investor, there may be things about investment you need answered before you can move forward. There are far too many people who take the plunge before grasping what investing is all about and how to get back their capital or maximize their returns. Instead of having to wait around and using life’s experiences as a means to gain knowledge, why not use this collection of FAQs to get ahead of the curve? Here are some of the most important questions that are asked by beginners and experienced investors.

How much to invest?

This is a question that is often brought up by those looking to go down this road. They will know that investing money is a good idea, but how much is required to see the results that you have always wanted? When it comes to investing, you have to learn to diversify your funds in order to avoid getting caught out because of one failure. This happens far too often and it is unfortunate to see people go down that path.

The goal should be to take whatever amount of money that is being invested and splitting it across a few ventures. Some that are safe and some that are perhaps “riskier,” but have higher rewards. This is the only way to approach this task and get the results you want. Anything other than this is not going to work out.

Is there a fixed amount that a person should be going for? While, there is no set amount and you can “invest” anything, but you should have at least $1000 to begin with. This is just the beginning, but some have started with less and turned their portfolios into full-fledged money-making machines.

What is the most important principle in investing?

There are many principles that you’re going to learn when going down this road. Most veteran investors have had to go through ups and downs in their lives and that is part of the process. Yet, the greats are those who have had the ability to reduce the valleys and increase the peaks.

The key principle is to always pay less than what is expected from the return. This is the best way to get a good deal. It also reduces the risk that is at play.

How much should one expect to earn?

While, this is dependent on the money that is being invested, the goal should never be to expect future returns. This is a mistake that is often made and leads to most people quitting.

The goal has to be to get “return of capital” (getting the invested amount back) and them moving forward from there. The best investments might be the riskiest, but the goal always has to be towards getting your money back as this will make anything you earn as a bonus and something you will be quite happy about.

Does this mean that you should always expect to just get your money back? No, you will want to make positive returns on all investments, but those who go with that line of thinking end up losing their shirt.

You have to be cautious with your approach as that is going to ensure all investments being made are not going to turn to dust down the road. This happens most to those who want to become millionaires in one shot. If it was that easy, most people would have been doing it and retiring from what they are currently doing.

What is “Margin of Safety”?

This is essentially when you are looking to assess the risk vs reward of each investment that is being made. Most people assume it has to do with the price that is being paid (and it does) but that is not the only factor.

You also have to consider the profile of the investment and how it is looking in terms of its future. The price might be high, but what if the expectations are sky high for the investment to succeed? These are all factors that come into play in the short and long-term.

Does reputation of the stock matter?

Let’s assume you are putting your funds into the stock market and are looking to find multiple options to purchase. What are you going to do when a name comes up that might not have the reputation that you are seeking? Are you going to let it go by or will you take the risk because of how its outlook is?

There are certain factors to remember and indeed reputation does play a role at times. Yet, in the end, you have to look at the facts and understand that money is money regardless of where it is coming from in the stock market.

You have to learn to do your research and if the stock might be “ugly” yet has potential, you have to go ahead with it. Reputation is nice, but when it comes to making money, you have to go with what is going to work. There is no point in putting money on reputation and then losing everything down the road. This has happened to a lot of people and that is unfortunate for anyone that wants results and is scared about moving forward. Fear is important, but it should not be debilitating for investment requirements and that begins with going ahead and investing in these stocks.

These are just some of the questions that are asked by people when they are venturing into the world of investments. There are many intricacies that have to be remembered when venturing down this path, but those who do ask these questions end up getting the results they are craving. The goal for anyone that is going down this path has to be to reduce the amount of risk that is at play and that can only happen when you are focused on getting the answers to your biggest questions and understanding the core concepts at play.

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Investment Fundamentals for The the First Time Investor

Posted by on Oct 19, 2014 in Blog |

When thinking about investing, it sure is nice considering the quick buy and sell that can make you thousands of dollars richer. But, in reality, this is not often the case. You can get a much larger return putting your money into investments, and the compound interest can be rather exciting.

Use an Online Broker

If you’re looking to learn about investment fundamentals without physically sitting down with a broker who wants your money, there are plenty of ways to accomplish this. For instance, you can set up an account with an online broker, and they will have plenty of investment research material and tools to help you navigate.

Study Online Articles on Investing

Secondly, there are plenty of investment newsletters and articles available online without you having to subscribe to some big magazine to get some great hints about long-term investing. The wealth of free information you can get online is simply outstanding.

Buy and Hold

Now, if you’re going to invest, you definitely need to be thinking long-term. It was the great Warren Buffet that said buy and hold. This doesn’t mean that it’s going to be boring. As a matter of fact, the compound interest you get from buying the right securities is amazing. The stocks you pick that pay dividends can pay off hugely as you reinvest those dividends to buy more shares.


Do you have to buy only blue chip stocks? Absolutely not. Blue chip stocks can have nice dividend payouts, and they can also be good when it comes to investing for growth as far as share price. But, you don’t have to just buy blue chip stocks. What you do want to do, however, is make smart moves and diversify.

A person who decides to buy one blue chip stock and put all their money into that stock is not going to fare as well as a person who buys fundamentally sound stocks and spreads out their money across at least five to seven securities.

Imagine you are back in 2008. Can you imagine that the one blue chip stock you purchased ended up going bankrupt, and you are out tons of money, only because you didn’t diversify? Don’t let that scare you. Instead, let it motivate you to diversify across different sectors and spread your money into a basket of stocks.

Avoid Penny Stocks

Stay away from stocks under five dollars a share. That is another rule. These stocks are classified as penny stocks, and if you’re reading this article, you’re most likely not the absolute stock guru. Even if you were, penny stocks are extremely risky, and you’re wanting that 8 to 12 percent return right?

If you want stock advice, there are also some great television shows to watch. They will give you stock selections without you listening to the junk emails that take so many people off course. Think about solid investments based off of solid chart information and a future outlook for the company that is steady and secure.

When you’re going to buy and hold, solid dividend history is definitely key. If you purchase a stock that doesn’t pay a dividend that is fine. However, projected growth needs to be in the forecast.

What Does Diversify Really Mean?

Someone once said buy stocks in companies that are not only sound but that you know something about and like the products or services. But, what if you’re into financials and buy into five bank stocks. You’re asking for it if that is your strategy.

Invest in a solid banking stock if you prefer. Then, look at other sectors, and pick companies that you’re familiar with and plan to study and keep track of in the long run. Look at the company stocks in competition with the companies you select, and think about the smart move.

Think Staple Stocks

Staple stocks are securities that can perform even during the economic lows. Another good strategy is to diversify your portfolio by looking into precious metals securities. Think technology, pharmaceuticals and industrial stocks as well.

A good basket of stocks has at least five securities that are spread across different sectors. However, you can diversify too much, especially when your strategy is to buy and hold. So, don’t go out there and buy 25 different individual securities. Instead, focus on less than 10, and systematically buy more shares in these companies over time.

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