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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Time and Attendance System in Your Business

Posted by on Nov 19, 2015 in Blog | 0 comments

time and attendance systems

All business resources have employees who have different requirements in both reporting time and duties carried out. Some may work on night shifts, weekends or even part-time. This means the number of working hour and pay is different for each and every employee. The nature of task that each employee involves in also differs from one individual to the other. Some employees may require more overtime than the rest. Therefore, the most updated version of monitoring employees’ daily and weekly hours-login as well as keeping up-to-date records of their check in and out is required. This is in order to determine their pay efficiently and effectively.

Manual tracking systems such as paper time sheets are often prone to errors and at times very cumbersome. Modern technology-based systems, on the other hand, employ the concept of intelligent clocks and use of mobile applications. It helps to keep employees updated with time management. This technology-based system also uses magnetic swap cards or other identifications forms to monitor entrance and exit movements of employees. In general, the systems are beneficial in so many ways. Here are some of the benefits of having time and attendance system in your business.


Ensures compliance

Helps ensure business compliance with federal, state and as well as the local labour laws. Provision of detailed reports on labour expenses enables the business to remain on the safe side of the law which regulates overtime records and their pay. This saves the company of several dollars from possible lawsuit due to inaccurate time and attendance tracking.


Provides accurate record

Having electronic time and attendance system maintains accurate time and attendance tracking. It also provides easy and orderly approach in addressing employee issues without confusion. This ensures that the employers incur the right cost in paying their workers by paying only for the actual time worked. It also notes the scheduled working time or hours as employees are always prone to both unintentional and intentional mistakes. This is especially true in rounding off of their work time figures.

The time and attendance system helps track full-time business issues by taking care of all business scheduling of the company. It also provides effective management of all employees’ schedules as well as in dealing paid-time off calculations. The system is also useful in monitoring of overtime expenses. Thus, it helps reduce overtime pay costs. This is because keeping perfect offer time alerts could be an effective way to reduce unnecessary and unprofitable overtime working hour.


Increases productivity

Choosing an easy to use monitoring system can help cut down administrative time. It also manages and reduces maintenance and capital expenses. Additionally, it allows human resources to focus on more serious issues other than the payroll issues. Elimination of some daily legacy activities is also viable in electronic time and attendance system. This helps free up employees’ time and reduces staffing issues. Thus, it provides time for effective management of the crucial production activities.


Mobile capability

Having a system with mobile capabilities helps cater for employees working outside the office. This is possible through integration options and the GPS locators used by employees. It gives remote details of their specific locations, enabling monitoring of the same. Such systems can be integrated with mobile software, applications and other existing payroll programs. At the same time, it provides real time and detailed information.


Access for employees

Letting employees see their time records will equip them with knowledge of how well or poor they utilize their working time. This could help them work on correcting their inefficiencies. It also raises employees’ morale and work satisfaction. Employees are happier and satisfied when their time and attendance information is kept accurate as the same will be manifested in their payroll. It improves the employer- employee relationship and gives the employees safe access to their personal data.

All in all, there is a lot that is involved in proper time and attendance recording system that the daily employee checks in and out. There are numerous benefits maintaining a state-of-the-art system. This covers all from correct tracking and ensuring all law requirements are met. However, the overall advantage is that of added business financial insight.

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Helpful Tips When Buying Stocks Online

Posted by on Sep 15, 2015 in Blog | 0 comments


Each day, more and more people all over the world take part in the stock market. With the popularity of the internet, it is no secret that most people who purchase stocks do so online. With the added convenience of trading from home and the plethora of valuable information at your fingertips, there is actually no need to hire a broker these days.

For one thing, it is a lot cheaper to buy stocks online since there are many companies that offer flat rate fees. This is very enticing and makes you want to dive right into the stock market. Secondly, there are a lot of good online tutorials that can teach you the basics of investing in the stock market. But really, the most important advice for anybody who is thinking about getting into the stock market is to know that wisdom comes with experience.

Whether it is from your own wisdom for years of investing or you get it from some stock market gurus, it is important that you have the right tools when you make these investments. You never want to just go in blindly and place your money in different areas if you have no clue what you’re doing, right? Now, if you’re extremely rich, then maybe you can afford to throw a few dollars here and there without much thought. But for the majority of us, we need to think before investing our hard earned money on a stock.

One of the drawbacks in investing online is that it’s all too simple to make an investment. After awhile, you come to believe you’re an expert because you have all the charts in front of you and you think it’s all too easy to cash in on stocks. But that is hardly the case, especially if you get lucky in the beginning. You still need to be prudent with your money and have a long-term strategy in mind.

A stock broker understands the ups and downs of the market. That is why he or she is a good teacher. When you invest online, you are foregoing this great advice for really your own intuition. Sometimes you will be right and sometimes you will be wrong.

Make sure you investigate all of the online trading platforms before putting in your money. Some of these online investment houses may seem like good deals, but you could get hurt in the end. Read all the rules, know what you’re getting involved in and most of all know that you can lose a lot of money!

Buying stocks online can be a good learning tool since you take an active look at the business world today. It makes you want to get more involved in what’s going on in the stock markets around the world. In a way, that is a very good thing. With more people involved and paying close attention to the business community, perhaps as world we would be in much better financial shape. Lately though, it’s been a very tough economy. So therefore, be careful when you decide to invest your money.

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Learn Forex Currency Trading

Posted by on Sep 3, 2015 in Blog | 0 comments

forex trading

Forex currency trading is a great business endeavour. For most wealth and income seekers, there is no better business than Forex currency trading. Forex is one of the best places to earn money because it is a 24/7 market. You can make trades either at 4 AM or 8 PM at your convenience. There is always money to be made or loss in the Forex market. For those who have found the right training and have developed the right virtues, there is no better way to make a living than Forex currency trading.

However, learning how to become a good trader is not so easy. It requires hard work. You will also need some training. There are so many things that you must have to learn. Forex currency trading is a process and you need to seek the right mentors with the right lessons.

Learning to become a good trader will definitely improve your life. This might sound very odd to you, but it is very much true! You are probably sceptic at this stage but you will sooner or later realize it after you’ll experience the difference it brings to your life. To become a winning trader, you are also required to develop some attributes and skills. This is very essential to become a healthy, productive and reasonable trader.

So what skills does it take to become a good trader? It takes great money management skills, the ability to create a strategy and stick with it and to take self-control not to take bad trades. It takes self-control not to chase losses. It also takes psychological and emotional restraint as well as discipline to survive the ups and downs of the market. You need to have all these characteristics to ride out short-term variance before things work for you. Are these not things that would make you a better person? Remember, the more skills the more money you’ll earn.

Although learning how to be a winning trader takes time and effort, one of the biggest benefits of trading is that it is such a scalable business. This means that the strategies that work for a $1000 account will also work the same for a $100,000 account. A winning strategy is a winning strategy. Because of this, you need to take heed of the sole maxim, “masters are created in the beginning”. Your ability to earn money doesn’t really increase when you have some imaginary huge account. Instead, it starts from day one when you begin to learn and implement different strategies. Treat these nascent stages as a path to mastery and not as something you want to quickly get past.

If you are really serious about learning how to trade the Forex currency market, then you really need to find a great broker. Who you choose as your broker will make or break your experience. This is especially true for traders who scalp the market (quick trades that last from a few seconds to maybe 5 minutes). That is because bad brokers are themselves market makers who are on the other side of all your traders. So before you get knee-deep into trading, be sure to research who the best brokers are.

If you follow these tips, you will definitely become a winning trader. In fact, by taking heed of these useful advices you would have done one of the best things for your financial future.

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Investing: Tips and Tricks for Beginners

Posted by on Jul 27, 2015 in Blog | 0 comments

piggy bank

Is your savings account balance disappointing? Are you looking to earn more money? There are lots of ways to earn more money but most people always prefer investing. However, as a beginner, there are many things you might not understand about investing which could result in many losses. Hopefully, with this article, you will be able to make the right investment decisions and earn more money as expected.

Below are some of the best investment tips for beginners that you should have a grasp on.


Who Can Invest?

Most people assume that you need to have a fat bank account to be able to start investing. However, this notion is completely misguided. There are investment funds that accept as little as $50 as a monthly deposit. Also, there are those that prefer lump sum investments that can go as low as $500. Therefore, you can take as little savings as you currently have and start investing.

However, there is a great chance that your money’s face value can fall or rise depending on the investment option you choose. Remember, that you should be prepared to invest for long periods before you can get a return of investment. Therefore, investing is a game for those with long-term financial objectives such as having a retirement fund.


Making Wise Investment Decisions

Beginners always gamble by choosing unpredictable investment options. However, this is completely nerve-wracking. Therefore, rather than throwing your money at any investment opportunity that comes your way, you need to do lots of research, study the market and identify your strengths and weaknesses before choosing a particular investment option. That way, whether the market goes up or down, you can be assured that you made a sound decision. There are those who have wailed in regret after seeing their money go down the drain.


Doing Multiple Investments

There are many investment beginners who make the mistake of putting all their eggs in one basket. Eventually, if that decision doesn’t go as well as you had hoped, you end up losing all your money before you can even start earning.

On that note, you need to diversify your investments. It is better to wisely put your money on different investments without having to max out your savings. That way, if a few of the options don’t become profitable, you can reap profits from the rest. Diversification is the only way people can become rich when investing.


Invest Regularly

As mentioned above, your investments can go up or down depending on the condition of the stock market. Therefore, rather than waiting for the market to go up, it’s better to invest regularly. Eventually, this will help you minimise your losses and capitalise on profits. Before doing this, you should consider doing further research on the various investment options that perform well.

In summary, investment is not easy, especially for a beginner. Without the necessary knowledge about this game, expect to have a long losing streak until nothing’s left. However, the best way to avoid losing is to do your homework before making an investment decision.

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Tips for Investing in Property

Posted by on Jul 25, 2015 in Blog | 0 comments


Through investment properties, a lot of people have substantially increased their overall income. They buy properties that generate ongoing income while significantly increasing their financial status. Keep these tips in mind if you’re interested in investing in property:


Make Sure You Have a Strong Down Payment

The higher mortgage you pay, the less profit you’ll make. Make sure you can invest a lot of money up front. This way, you can:

  • Borrow less
  • Make more as a result

Even a thousand dollars can make a substantial difference.


Improve Your Credit Score before You Borrow

Most people have to borrow some money they need to buy their investment property. If you need to do this, you should improve your credit score ahead of time. The better your credit score:

  • The better your interest rates will be;
  • And you’ll pay less overall.

A smart idea is to shop around for loans and compare rates. Do these:

  • Never take the first loan you’re offered;
  • Keep looking until you find one perfect for you.


Be Unconventional

These days, a lot of buyers make investments through unusual means. You may:

  • Seek out owner financing;
  • Get a private loan from a big bank.

For planning major renovations, look into home equity credit lines. Don’t be afraid to experiment and see what will help you get the best possible deal.


Think About the Long Haul

Some people interested in property investment think about a quick turn around. They buy property, make some money off of it right away, and then move on to the next project.

However, you can increase your overall financial worth by making a long term investment rather than a short one. With this, you can:

  • Dramatically increase your wealth through property investment;
  • Choose investments that generate income for many years.


Don’t Throw Away Your Day Job

Some people are so convinced they’ll make a profit off their investments, they want to quit their day jobs. Having a day job can be very valuable in these ways:

  • Makes you more attractive to lenders;
  • Gives you a source of income you can use for down payments.

Keep your day job until you have a number of properties generating substantial income.

Find the right property if you want to invest in one. Never settle for anything less than the best. Keep looking until you have a property that will generate income for a long time and increase your net worth as well.

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How to Invest In Shares and Be Successful

Posted by on Jul 22, 2015 in Blog | 0 comments

stock market successful

Investing in the stock market is a good way to accumulate wealth and do so on a solid basis. Of course if you just wade in without forethought, you may not get the results you expected.


Set Goals for Short and Long Terms

Establish some goals and objectives both for short and long terms. Write down on a piece of paper what you want to accomplish, and then:

  • Set the paper aside
  • Get down to business


Buy Shares Directly from Companies

This is a strategy most wealthy people use to invest in stocks. Major companies do this but you have to perform some due diligence to be successful at this.

  1. Look for markets where consumers purchase products in a certain niche. Start with anything related to food items where:
  • They cover a wide range;
  • You’ll have a good choice among well established companies in this niche.

The prevailing wisdom is: everyone has to eat.

  1. Find companies that allow you to buy directly and also inform you how to invest directly. Consider:
  • You can invest without paying a middleman;
  • In the long run, will cut costs.
  1. Look for companies that offer a direct purchase plan on company shares. Two companies that offer this are Microsoft and Unilever PLC.
  1. Choose companies that have these options:
  • When the corporation declares stock dividends;
  • You can purchase more shares with that dividend money.

From your bank account, your actual contribution can be a set amount per month, debited directly from your checking account.

Hundreds of companies such as Toyota, General Electric, Pfizer and similar companies offer this direct purchase option and you can:

  • Go to
  • Find a detailed listing of companies

A very realistic, easy way to get into the stock market, you’ll be investing in major companies that have:

  • Little chance of going out of business;
  • A good track record of profits.

These companies will guide you onto how to invest in their shares.

Companies such as Wal-Mart, McDonalds, AT&T, Coca Cola are long-standing and successful firms that offer a direct investing option. Start out at a level that fits your budget, stay with it and over a long period of time you’ll accumulate a good sum from your efforts.

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Top Five Real Estate Investment Tips

Posted by on Jul 20, 2015 in Blog | 0 comments


Purchasing land is more than just discovering a spot to build your home. Investing in a land has become famous in the last fifty years. Despite the fact that the real estate business has a lot of chances in making enormous profits, purchasing and owning land is far more confusing than putting your money into stocks and bonds.

In this article, we’ll go past purchasing a home and acquaint you with land as an investment option. The following are the best real estate investment tips.


1. Basic Rental Property

This type of investment is as old as the act of land ownership. A man will purchase a property and have it leased. The proprietor or the landowner, is in charge of paying the home loan, assessments and expenses of maintaining the property.

Preferably, the real estate owner charges enough lease to cover the majority of the earlier stated expenses. A landowner may as well charge all the more with a specific end goal to deliver a month-to-month benefit; however the most widely recognised method is to be patient and just charge enough lease to cover costs until the home loan has been paid.

Moreover, the property might as well have to be acknowledged in quality throughout the duration of the mortgage.


Investing via Real Estate Investment Group

Real estate investment clusters can be likened to little shared trusts for investment properties. In the event that you need to claim a house on lease, yet don’t need to be hassled as a landowner, a land investment group may be the answer for you.

An organisation will purchase flats or apartment suites; investors will then be allowed to purchase them through the organisation (after joining the group).

A private financial specialist can own one or multiple units (liberated living space), yet the organisation is the one making deals for the units. The organisation is also responsible for the maintenance, promotion, and inhabitant assessment. In return, the organisation takes a percentage from the monthly rent.


3. Real Estate Trading

This is the wild side of land investment. Like the informal venture capitalists, the land merchants play a totally different role from the acquisition and rent proprietors. Land brokers purchase properties and hold them for a certain period of time (regularly close to three to four months). The brokers then put these properties up in the market with the intention of making a profit out of them. This system is called house or property flipping and is in view of purchasing properties that are either undervalued or considered hot properties.


4. Real Estate Investment Trust

Real estate has been around since our predecessors learned how to stay in caverns and began pursuing outsiders. With this, it is not astonishing that Wall Street has figured out how to transform land into an instrument for trading . A Real Estate Investment Trust (REIT) is made when a partnership (or trust) uses the speculators’ cash to buy and work wage properties.

REITs are purchased and sold on the significant trades simply like other stocks. A partnership must pay out 90% of its assessable benefits as profits to keep its REIT status. By doing this, REITs abstain from paying corporate salary charges, though a normal organisation would be saddled by the benefits, they would later on need to choose whether or not to appropriate its after-expense benefits as profits.


5. Leverage

Except for REITs, putting resources into real estate gives an investor one device that is not accessible to stock exchange financial specialists: influence. In the event that you need to purchase a stock, you need to pay the full estimation of the stock at the time you submit the purchase request.

Regardless of the possibility that you are purchasing on edge, the sum you can acquire is still significantly less than with land. Most “customary” home loans oblige a 25% down. Depending on where you live, there are numerous sorts of home loans that require as low as 5%. This implies that you can control the entire property and the value it holds by just paying a small amount of the aggregate worth. Obviously, your home loan will, in the end, pay the aggregate estimation of the house at the time you obtained it, yet you control it the moment the conditions are agreed upon.

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Factors to Consider in Creating an Investment Plan

Posted by on May 24, 2015 in Blog | 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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