Investing and Investment Tips

Welcome to Our Site

Posted by on Dec 17, 2014 in Blog |

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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How Do Fund Managers Share & Use Investment Info?

Posted by on Apr 8, 2016 in Blog | 0 comments

Investment Information

A fund manager is a professional who manages assets or groups of assets. These could include bonds, shares of stock, and other kinds of securities. It could even include assets like real estate. Typically, these fund managers have certain goals they have to meet in order to please groups of investors.

Fund Management Vs. Asset Management

Asset management: This term usually refers to managing a collection of assets.

Fund management: This is a more general term that could be used to describe managing different kinds of institutional investments or managing funds that private, individual investors hold.

Money or portfolio management: This term is usually applied to asset managers who work for private investors.

Information That Fund Managers Use

Whatever they call themselves, all of these fund managers use similar tools to gather, analyze and share information about investments. These tools may include the following:

  • Financial analysis of company financial statements
  • Asset and stock selection
  • Ongoing monitoring of how well assets actually live up to goals

The Size Of the Fund Management Market in the USA

A number of assets that are professional might astound some folks. According to a study by one consulting firm, the total number of assets that were professionally managed amounted to $62.4 trillion by 2012. This was an all-time high.

Despite how large this market is, there aren’t a huge variety of funds that are commonly used. These are some statistics to support this point:

  • The number of funds totals about 70,000.
  • Just about 99 percent of all American investment money got invested into only 185 different funds.
  • Even more surprising, over half of all of these fund managers say that most of their investment dollars get invested into only three different funds.

Fund managers may also specialize or cover several different aspects of this field. For example, some mostly do research, others make deals and settlements while some may spend most of their time preparing reports for and meeting with clients. Big fund management companies are very large and complex, but there are self-employed fund managers who cover a variety of aspects of this profession by themselves or with a very small staff.

In any case, the amount of funds that fall under the protection of these managers has grown substantially. These are some examples of these different kinds of funds broken into various types:

  • Conventional assets: About $80 trillion
  • Pension: About $30 trillion

For pension funds, for example, there was an almost even split between mutual and insurance funds.

Compliance Reporting for Fund Managers

The government has begun to get a bit more involved in the way that these funds are managed. There is some talk they may get more involved in the future. That means that fund managers must be careful to guard sensitive information and make necessary reports to the government at the same time. In the US, fund managers control a great portion of the country’s wealth.

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Financial Investment Advice For Young People Just Starting Out

Posted by on Mar 25, 2016 in Blog | 0 comments

Investment Computation

There are financial experts that will tell you that people need to follow a certain plan of action when they save money, but each person is different. Even those experts will, of course, acknowledge that, but they still tell you things like save up your emergency fund first and max out your IRA or 401k contributions before funding other investments. Finances are different and unique to each person. I do agree with saving up an emergency fund, but there are still different ways to look at this.

For example, I use an app that invests my money in ETF’s, and if I ever want to withdraw my money, I simply withdraw my money. It’s that simple, and if anything is needing immediate attention, I use a credit card. There are some financial experts that would tell most people not to even use a credit card. Do you have control over your finances? Some people aren’t able to stay in control of their credit, and I wouldn’t recommend those people using credit at all.

When it comes to financial investment advice, what you have to do is write down your goals and objectives. How old are you? What type of investments do you like? You need to have an open mind, but again, everyone has their preferences. Investment options are always changing, so that is another reason why there is no one-size-fits-all strategy.

A few years ago, I wouldn’t have been able to use an app like the one I use to invest my spare change. One of the most important things I’m going to tell you in this article regarding investment advice is to stay the course. Don’t go from investment to investment trying to make a quick buck. Analyze those goals you wrote down, think about what investments can get you there, get serious about putting money away for retirement and stay the course.

Mutual funds and exchange-traded funds are especially not investments for people to use for a few months and then cash out. To realize the best returns from the compounded interest and dividends, you need to stay invested for years and build. You can instead make an initial investment and leave it sitting there, but who has that kind of money laying around?

Some people do have quite a bit of money to invest, but you don’t have to in order to get started. The market is just right for the small investor these days, so don’t feel intimidated. You can simply sign up for some accounts without even depositing any money. Once you are familiar with the platform, you can then make a deposit and invest as little as five dollars at a time.

You do have to think about commissions, but my point is my investment advice is to simply get started and stay the course. That is what derails so many people. They don’t get started, and then when they do, they don’t get what they expect so they quit. You have to realize that investing is a long-term activity. If you’re wanting to make money quickly from throwing money at an investment and getting back a return, put your money into real estate and hope for the best.

If you want to be an investor, be a classy investor that puts his money in there and continues to build a nest egg. It’s about retirement, and it’s about getting ahead with your finances and not spending your money and switching it from account to account all the time. As for individual investment choices, you’ll win some and lose some, but if you invest wisely, overall you will have a nice rate of return.

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Property Investment Tips

Posted by on Mar 8, 2016 in Blog | 0 comments

property investment

Like gold, investing in property has always been considered to be a sound investment and a good way to turn a profit. However, it can also result in huge losses if you don’t know what you are doing. Here are 4 factors that must be taken into consideration before purchasing a property as an investment:


  • The Investment Period



      The longer you hold onto a property, the more likely you are to make a profit. However, you also need to know a little bit about the property market in order to gauge the best time to sell and the best time to buy. It should go without saying that you want to buy when the market is low and sell when it is high.If the property market is in a downward spiral, it is best to wait it out before selling but this is the best time to buy. If the market is looking rosy, this is the time to sell but not optimal for buying.


  • Location

Some locations are more desirable than others for investment, however, these properties are often more costly to invest in. In the long run, properties that are better located can be more profitable but could result in a lower turnover in a short period.Good locations for property investment are often new or developing areas. These properties can be attained at a fraction of the cost that they can be sold for. Once again, prediction plays a role in the success of an investment and being able to forecast which areas will become desirable locations in the future.



  • Property Development

Unlike property investment, property development can provide a much quicker profit but it is far riskier and complicated. It is advisable for individuals who are new to the property investment game, to stay away from property development until they have gained a better knowledge of how the property market works.This includes undeveloped properties (property with no buildings or structures) as well as properties that may require some work in order for them to be sold at a profit. If you do want to get into the development game, it is necessary to evaluate the cost of building or renovating vs. the likely profit that will be made.



  • Renting The Investment Property

Renting an investment property is the best way to ensure that a profit is made not only from the sale but from a monthly income. It is important to ensure that the rental amount covers the cost of a mortgage or loan repayment, rates, taxes, water & lights as well as any other levies. If these amounts are not covered, you, the property owner, will have to cover these costs out of pocket meaning that the investment runs at a loss instead of a profit.



It is also essential to find good, reliable tenants who will not damage the property and ensure that their rent is paid in full, on time every month.

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Online Investing Has Changed So Much Over The Years

Posted by on Feb 26, 2016 in Blog | 0 comments

Online Investing

Who needs to know anything about investing these days with all the companies willing to charge minimal fees and do all the work for you? Other people may not see this opportunity so lucrative, especially if they want to invest in certain types of securities and not be subject to the choices of a company, but I’m telling you it’s a great deal. I have long been studying investing, and while the stock market and markets in general seem to be anything but stable in the last decade and a half, there are still so many great opportunities out there.

When I first started out investing, I was walking into an Edward Jones office and handing over a money order to buy shares of a mutual fund. Online accounts were subsequently made more widely available, but the tools and resources that came with them were rather scarce at the time. For a few years after that, companies began offering more options for people wanting online account access to manage their portfolios online.

And then came the online discount brokerages. Online investing took a whole new turn after that, and essentially, it was born. It was available in a different way for the first time. People could easily make trades online, and they could be their own financial advisers. I took advantage of doing that, and of course this lowered the commissions I paid on trades.

Fast forward a few more years, and new online brokerages kept sprouting up. Then companies kept trying to change the investment world, seeking out ways to use online tools and resources to help automate investing in a way. Now the top companies are using software to help make investment decisions, manage portfolios and make trades for clients. They are also offering even lower fees based on a different type of investing.

There are companies out there now offering a chance for consumers to invest in ETF funds and pay barely anything at all to have their portfolios managed by the company. Of course considering the setup, while innovative, there isn’t much managing required. I have also jumped on this bandwagon, having found a company a year after its startup that I truly think is a winner.

What type of online investing do you do? If you’re not participating, you’re giving up your chance for a higher rate of return. There are other investment choices, but while the economy may not be what it used to be, I still enjoy investing.

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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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