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Author Topic: Microcap Millionaire  (Read 13730 times)

Raquelproud boholana

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Re: Microcap Millionaire
« Reply #80 on: April 21, 2012, 02:48:03 AM »
All my children had savings bond. Labi na akong eldest na swertihan natawo ug bag ong tuig maong gitagbo dayon siya ug duha ka bangko nga inghatag niya ug savings bond. Very generous pud ang mga tawo around my children kay savings bond gi hand out. Grandparents ug Godparents saving bond ang regalo.

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balong

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Re: Microcap Millionaire
« Reply #81 on: April 21, 2012, 03:53:16 AM »
We are using Edward Jones Balong. Akong inlaws ug akong bana ang may hanaw kaayo aning stock market. Ako tan aw tan aw lang. Naa gani mi machine nga naay update sa stock permi murag computer. Believe it or not ang stock market ray exciting nga part sa ilang life hahahha buntag udto hapon naag lili unsay nahitabo sa market. Dinagko ni sila ug i invest sa akong nahibal an. Nakapalit ko ug silver 10 years ago sa auction 800 dollar ug pagsaka sa silver nakaginansya ko ug 10k. Namalit pud ko ug yuta sa bohol kay para di pud makaingon akong mga anak nga perti na jud kong pobreha kay wa koy ikabilin nila hahahah. Ang pinaka the best nga investment karon panahuna ang yuta. Diri sa central illinois pag abot nako ang presyo sa yuta 1,400 per acres lang. Nakapalit mi ug dugang yuta year 2006 40 acres 7,000 per acres na . Karon year 2012 ang presyo sa yuta diri is $14,500 per acres. Ug naa kay 80 acres over million dollar na. Imagine kasagaran farmer diri ang labing gamay nga yuta is around 400 acres. Maong makaingon jud ko akong mga silingan puro milyonaryo kay mostly aning mga yuta nila dili mortgage ,cash paid jud ni. Ang farmers diri ug stock market mag uban permi. Makagamble man gud sila ug dinagko kay dinagko man ug kita labi na ug way utang ug way bayranan.
nalingaw ko aning ahong gi sugdan nga post kay mi gawas na ug sugod ang mga milyonayo sa tubagbohol. dollars ning atong gi hisgotan ha,dili peso. i agree with you raquel that the best investment is land BUT it depends on LOCATION, LOCATION, LOCATION. ahong father in law nag mahay wa sijay na palit nga juta sa poblacion. sa bukid ang ilang mga juta. hundreds of hectares. their sugar cane plantation was converted to mangoes. bisan 2 ka ektarya lang unta ang napalit nija sa poblacion, digos, davao del sur, multi milyoner unta sija. sigi intawon ug palit ug lotto kay nangandoy gihapon nga mahimong milyonaryo. continue buying gold and silver raquel especially now nga nag sigi na ug os-os ang value sa us dollar

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balong

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Re: Microcap Millionaire
« Reply #82 on: April 21, 2012, 04:01:08 AM »
RAQUEL

im pretty sure nga dili mo lingi ug penny stocks ang imong bana ug in laws. blue chips nang ila. you can buy some shares of LUXR. last year ang presyo ani 2 cents lang. karon naa na sa dollar. mora pod ni sija ug silver and gold. if you were able to buy this stock last yr. at 10 cents $5000 worth naa na kay 5k ang pohonan nimo $500 lang.

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balong

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Re: Microcap Millionaire
« Reply #83 on: April 21, 2012, 04:08:15 AM »
ang title aning atong topic is MICROCAP MILLIONAIRE. hilig man gud ko mo palit ug sub penny stocks . less than 1 cent ang share price. i bought MSLP today for $2000 at .023 cents . let us see what happens on monday.

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RMB

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Re: Microcap Millionaire
« Reply #84 on: April 21, 2012, 05:21:37 AM »
Good investment man sad ang yuta, gold ug silver. labi na kron bullish ang gold sa market. pero naa advatage ug disadvantage. e.g if gipit ka sa kwarta or naa emergency mabaligya man ug barato pra dali mahalin, pero naa baya kaila nga nkapalit ug yuta perting ra jud baratoha kay ibayad kay nahospital ang iyang bana. nahug rag barato pra dali mahalin

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chicogon

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Re: Microcap Millionaire
« Reply #85 on: April 21, 2012, 06:03:18 AM »
I got a hypothetical Q: Kung naay mohatag nimo'g $120,000.00 unsay may maayong buhaton? Just wpondering asa maayo modung ang wawarts...  ;)



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balong

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Re: Microcap Millionaire
« Reply #86 on: April 21, 2012, 06:34:04 PM »
I got a hypothetical Q: Kung naay mohatag nimo'g $120,000.00 unsay may maayong buhaton? Just wpondering asa maayo modung ang wawarts...  ;)



ug naa koy $120,000 akong ipalit ug stock sa usa ka company nga nag develop sa technology nga 3D computing. ka kita na man mo ug 3D sa sine. pretty soon mo abot na sad ni sa mga computers.


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balong

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Re: Microcap Millionaire
« Reply #87 on: April 21, 2012, 06:46:47 PM »
Dear TB member,

There are somewhere between two and three billion computers in the world right now.

And every last one is about to become obsolete.

Grabe na karon ang speed ug power sa computer because of this new software. 3D computing.

Mag lisod na ko ron ani. Kay di pa ko ka afford mopalit ug bag-ong computer Unsaon na lang ni oi.  :) :) :)

It’s a fundamental redesign of computing power that has been 50 years in the making.

Ako mong tug-anan unsay ngan aning mga  kompanyaha on April 29.

This next breakthrough makes its debut on April 29, 2012, I believe it will deliver a bonanza payday for two very savvy companies and their investors.

Ang naka parat ani kay wa koy kwarta ipalit sa shares aning mga companies nga nag develop sa 3D computing.

RAQUEL, pahibaw-a ang imong mga in laws bahin ani nga development . Wa pa seguro sila kahibaw ani.

Stay tuned

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John 3:16-18 ESV
For God so loved the world, that he gave his only Son (Jesus Christ), that whoever believes in him should not perish but have eternal life. For God did not send his Son into the world to condemn the world, but in order that the world might be saved through him. Whoever believes in him is not condemned, but whoever does not believe is condemned already, because he has not believed in the name of the only Son of God.

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John 3:16-18 ESV
For God so loved the world, that he gave his only Son (Jesus Christ), that whoever believes in him should not perish but have eternal life. For God did not send his Son into the world to condemn the world, but in order that the world might be saved through him. Whoever believes in him is not condemned, but whoever does not believe is condemned already, because he has not believed in the name of the only Son of God.

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chicogon

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Re: Microcap Millionaire
« Reply #90 on: April 21, 2012, 09:08:56 PM »
Makaingon jud tas anig. "Asus!" hehehe  ;D



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balong

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Re: Microcap Millionaire
« Reply #91 on: April 21, 2012, 09:28:02 PM »
advance jud kaajo ni si tubagbohol bahin sa stocks. bilib ko nimo maestro

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insurectus

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Re: Microcap Millionaire
« Reply #92 on: April 23, 2012, 12:43:23 AM »
$$$ man diay ni inyo currency pang bigtime

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balong

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Re: Microcap Millionaire
« Reply #93 on: April 23, 2012, 07:30:48 AM »
dili na big time ang $. gaka menos na ang value tungod kay sa sukad na presidente si barako, perte nang daghana ug utang ang states. basin ang kwarta na sa intsik, ang yuan maoy mahimong reserve currency sa kalibots. polihan na ang US dollar. naa nay ubang dapit sa kalibotan nga dili na mo dawat ug $

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Lorenzo

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Re: Microcap Millionaire
« Reply #94 on: April 23, 2012, 09:32:49 AM »
Correct kaayo si Raquel; the best investment is in the following:

1. Land
2. Gold
3. Silver
4. Savings Bonds or Savings CDs



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Lorenzo

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Re: Microcap Millionaire
« Reply #95 on: April 23, 2012, 09:33:08 AM »
Addendum: Another good investment is in Education. ;)

That is something no one can take from you.

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balong

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Re: Microcap Millionaire
« Reply #96 on: April 23, 2012, 08:19:49 PM »
gi birahan ko ni hubagbohol nga OA kono ko. nag pasikat kay ga gama gama ko ug VIRGILIO BUCIA FUND. karon aho mong pasikatan. ibutang naho dinhi ang ahong portfolio, the stocks i am holding now...grrrrrrrr.

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balong

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Re: Microcap Millionaire
« Reply #97 on: April 23, 2012, 10:40:47 PM »
daghang salamat mike. abi ko ug na ban na pod ko . sorry for my outburst. ma pongot man lang gud ko kay imbis gusto ta mo tabang ingnon na man ta nga ga pasikat. basin pa sa ahong gisugdan nga thread nga VIRGILIO BUCIA FUND mahimong aware ang atong mga membro. ug naay mo tabang. i will send $100 to you. palihog na lang ug hatag ni virgilio. maybe by next week. thru western union kay busy ko karon. medyo gi dimalas ko  kay mi trade ko nga ga bukal pa ahong dugo. perte hinoon nahong arkanseha. its not good when we are not in the right state of mind. unsaon nga mag tabok tabok man lang ko. balhin balhin from scottrade.com to tubagbohol.

to mr. hubagbohol, whoever you are i owe you my apologies. per your request i will send $100 to mike ligalig next week. right now im busy trading trying to make up for my loss in  MusclePharm Corp [MSLP] lost $700. gamay gamay lang hinoon compared to the $3000 i lost when i was chatting with the girls in cebuanas.com. i bought 165,000 shares at .0303 of MSLP @  i was able to get out at .0259. when i am not so busy anymore, i will post my dollar portfolio here. im TRADING penny stocks and i INVEST in dollar stocks. nakita na nato ang portfolio ni RMB.  watch for balong's portfolio para ma dajon ang pag pa sakit aw sikat diay ...hihihihi :o :o :o

if you will not see me anymore that means im concentrating on making money. not try to make money while doing something else like fund raising.

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Re: Microcap Millionaire
« Reply #98 on: April 24, 2012, 02:48:38 AM »
Bai Balong,

Ayaw na lang ta pa suko. Inom inom na lang ta tanan og kape og kaon og calamay. Bol-anon bitaw ta tanan diri. We are all brothers and sisters here. :)

Sige ha. Salamat , Bai Balong.




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balong

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Re: Microcap Millionaire
« Reply #99 on: April 24, 2012, 06:25:15 AM »
kinsa may dili masoko LORENZO nga birahan man lang ta ug kalit. daan na kong nag pahibaw nga kong mo tubag mo sa topic nga VIRGILIO BUCIA FUND pangajo-an mo naho ug hinabang. na unsa ba ni si  MR. HUBAG oi nga ma suya man. wa gani sijay gika hatag bisan usa ka dako ni virgilio. wa tawon ko mag pa sikat. kong mag pa sikat ko $1000 ahong ipadala ni mike aron pag set up sa fund. kong di maka hatag, di lang gud unta ta hilabtan. aho man jung gi butang pilay ahong donation para naay proper accounting. dili ni kay kotob ra ko sa pledge aron ko mo sikat. tinod-anay kong  mo tabang because i see myself in virgilio bucia. wa ko mag lisod sa pag eskwela. ga lisod lang ko pag pangaplay na naho ug sugod. kong tinood nang imo LORENZO ipa dala na lang nato ni mike ang kwarta. di man nato ma deretso ug hatag ni virgilio kay wa man tay contact. on wednesday, maka lugar ko dili na ko busy, i will send $100 to mike by western union. kay mao may mandar ni lord hubag.  ;D

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balong

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Re: Microcap Millionaire
« Reply #100 on: April 24, 2012, 09:29:52 AM »
bai lorenz,

nag pm ko ni mike from my gmail account, wa man mo tubag. basin busy pa. di pa seguro ka atubang  aning atong issue. so cool off lang sa ta. hulat lang for further developments. hinaut unta nga dili ka ma usab lorenz. kay basta doktor, segurado man jud nga daku ug income. basin ma datu na ka, ma pareha ka sa ahong pag umangkon. sauna sa nag income pa sija ug $250000 kong maka bisita ko nija, wiktan dajon ko ug $500 para pang gasolina. karon nga mi asenso na, he is already the head of the corporation and making an income of more than a million bucks a year, wa na juy witik. na tihik na imbis na milyonaryo. maajo pa sauna medyo pobre pa kay maka hatag pa. karon wala na. mao nga dili na pod ko mamisita nija. busa lorenz, pag bantay jud nga dili pod ka ma usab. stay the sweet, loving and kind boy that you are...hihihihi

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Re: Microcap Millionaire
« Reply #101 on: April 24, 2012, 09:39:37 AM »
hinaot nga mopadayon lang unta ka sa imong tinguha, longlong tabilong.  different strokes for different folks ra man ta ani.  kun mao toy opinion ni hubag, puwes, it should not be enough to stop you or get you stung, right? 

we're all honest people here with simple desires, and definitely with varying egos.  so we make do with what we can do, regardless.     

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balong

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Re: Microcap Millionaire
« Reply #102 on: April 24, 2012, 09:47:46 AM »
sa pagka tinood lang, sensitive ko kaajo nga pagka tawo, so as a way of saying goodbye, i will show my portfolio. mag pa sikat ba. kay ga pa sikat man kono ko >:(

thanks islander for the assist for bucia. wish i could know you more but its time to say goodbye :'(

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Re: Microcap Millionaire
« Reply #103 on: April 24, 2012, 10:05:12 AM »
as for your pag-umangkon nga nausab, duda ko nga nagtoo na siya nga milyonaryo na pod ka, mao nga mauwaw na siya mohatag ug $500. ;D

hoy, longlong tabilong.  ajaw diha pag-horror flick kay di ka si freddy kruger.  si balongski ka.  usa ka opinion motiklop ka na?  hey, nabuhi ka ug ni-succeed more than you could imagine after you jumped ship, karon nga pasikat ra kunohay ang accusation sirhan na nimo imong payong?

kahibawo na man tingali ka nga dinhi sa tubagbohol walang sinasanto.  that is what makes this forum a real exciting forum; no ego massaging, no ego massage is necessary or called for (that's for facebook, hehe).  ajaw tawon himoang collateral damage ani si virgilio bucia. 

goodbyes are for fools. ;D

meanwhile, one can say goodbye so one can say hello again.

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Re: Microcap Millionaire
« Reply #104 on: April 24, 2012, 10:11:16 AM »
balik ko kadali bahin ug pag-umangkon...

naa sad bitaw koy pag-umangkon nga baye, tihikon gyod hinoon daan, pero makahiubos kay siya baya ang puhong nako sa gatubo pa kay kinaunhan lagi nga pag-umangkon.  all i wish for is a little thoughtfulness karong mga guwang na mi.  pila ra goy token kun pasko, just a little sign nga nahinumdoman pa ko.  zero.  aw, butangan bitaw nako. 

maayo pa sa gapuyo pa mog balay ug kalapati kay thoughtful ka pa, ingon ko.  namuypoy tawon nga iyang mangtas nga iyaan nibirada.  nalooy lang pod ko.  ingon tawon siya, unsa pa man tawoy angay niyang ihatag nako?  tubag ko, kay unsa ba diay ning pasko, pang-charity ra?  drowingi kog christmas card diha, o tagai ba kog tanom because it's the thought that counts, right?

di ra diay ikaw ang sensitive, balongski.  hihihi. ;D     

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Re: Microcap Millionaire
« Reply #105 on: April 24, 2012, 11:02:50 AM »
Daghan na tang sensitive ug naa pud koy pag umangkon ingon ana. May pa to sa una nga nagwork siya sa bookstore sa estudyante pa sa college kay kara sweldo di jud masipyat mopalit ug klase klaseng prutas karon nga nakahuman ug maayo na kaayo ug kahimtang bisan card wa ko kadawat pasalamat. Ingnon raman nuon ko wa na kono koy pangayuon pa kay naa na nako tanan. Di jud butang akong gipangayo kundi bisan snail mail once a year nalang unta wa jud.

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Re: Microcap Millionaire
« Reply #106 on: May 01, 2012, 10:25:18 PM »
Microcap stock fraud
From Wikipedia, the free encyclopedia


Microcap stock fraud is a form of securities fraud involving stocks of "microcap" companies, generally defined in the United States as those with a market capitalization of under $250 million. Its prevalence has been estimated to run into the billions of dollars a year. Many microcap stocks are penny stocks, which trade at below $1 a share.

Microcap stock fraud generally takes place among stocks traded on the OTC Bulletin Board and the Pink Sheets Electronic Quotation Service, stocks which usually do not meet the requirements to be listed on the stock exchanges. Some fraud occurs among stocks traded on the NASDAQ Small Cap Market, now called the NASDAQ Capital Market.

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Re: Microcap Millionaire
« Reply #107 on: May 01, 2012, 10:26:16 PM »
Microcap fraud encompasses several types of investor fraud:

    Pump and dump schemes, involving use of false or misleading statements to hype stocks, which are "dumped" on the public at inflated prices. Such schemes involve telemarketing and Internet fraud.

    Chop stocks, which are stocks purchased for pennies and sold for dollars, providing both brokers and stock promoters massive profits. Brokers are often paid "under the table" undisclosed payoffs to sell such stocks.

    Dump and dilute schemes, where companies repeatedly issue shares for no reason other than taking investors' money away. Companies using this kind of scheme tend to periodically reverse-split the stock.

    Other unscrupulous brokerage practices, including "bait and switch," unauthorized trading, and "no net sales" policies in which customers are prohibited or discouraged from selling stocks.

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Re: Microcap Millionaire
« Reply #108 on: May 01, 2012, 10:27:37 PM »

The "night singer of shares" sold stock on the streets
during the South Sea Bubble. Amsterdam, 1720.

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Re: Microcap Millionaire
« Reply #110 on: May 01, 2012, 10:31:53 PM »
Microcap Stock: A Guide for Investors

Introduction

Information is the investor's best tool when it comes to investing wisely. But accurate information about "microcap stocks" — low-priced stocks issued by the smallest of companies — may be difficult to find. Many microcap companies do not file financial reports with the SEC, so it's hard for investors to get the facts about the company's management, products, services, and finances. When reliable information is scarce, fraudsters can easily spread false information about microcap companies, making profits while creating losses for unsuspecting investors.

In the battle against microcap fraud, the SEC has toughened its rules and taken actions against wrongdoers, but we can't stop every microcap fraud. We need your help in winning the battle. Before you consider investing in a microcap company, arm yourself first with information. This alert tells you about microcap stocks, how to find information, what "red flags" to consider, and where to turn if you run into trouble.

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Re: Microcap Millionaire
« Reply #111 on: May 01, 2012, 10:32:18 PM »
What Is a Microcap Stock?

The term "microcap stock" applies to companies with low or "micro" capitalizations, meaning the total value of the company's stock. Microcap companies typically have limited assets. For example, in cases where the SEC suspended trading in microcap stocks, the average company had only $6 million in net tangible assets — and nearly half had less than $1.25 million. Microcap stocks tend to be low priced and trade in low volumes.

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Re: Microcap Millionaire
« Reply #112 on: May 01, 2012, 10:32:51 PM »
Where Do Microcap Stocks Trade?

Many microcap stocks trade in the "over-the-counter" (OTC) market and are quoted on OTC systems, such as the OTC Bulletin Board (OTCBB) or the "Pink Sheets."

    OTC Bulletin Board   The OTCBB is an electronic quotation system that displays real-time quotes, last-sale prices, and volume information for many OTC securities that are not listed on the Nasdaq Stock Market or a national securities exchange. Brokers who subscribe to the system can use the OTCBB to look up prices or enter quotes for OTC securities. Although the FINRA oversees the OTCBB, the OTCBB is not part of the Nasdaq Stock Market. Fraudsters often claim that an OTCBB company is a Nasdaq company to mislead investors into thinking that the company is bigger than it is.
     
    The "Pink Sheets"  The Pink Sheets — named for the color of paper on which they've historically been printed — are listings of price quotes for companies that trade in the over-the-counter market (OTC market). "Market makers" — the brokers who commit to buying and selling the securities of OTC issuers-can use the pink sheets to publish bid and ask prices. A company named Pink Sheets LLC, formerly known as the National Quotation Bureau, publishes the pink sheets in both hard copy and electronic format. Pink Sheets LLC is not registered with the SEC as a stock exchange, nor does the SEC regulate its activities.

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Re: Microcap Millionaire
« Reply #113 on: May 01, 2012, 10:33:43 PM »
How Are Microcap Stocks Different From Other Stocks?

Lack of Public Information   The biggest difference between a microcap stock and other stocks is the amount of reliable, publicly available information about the company. Larger public companies file reports with the SEC that any investor can get for free from the SEC's website. Professional stock analysts regularly research and write about larger public companies, and it's easy to find their stock prices in the newspaper. In contrast, information about microcap companies can be extremely difficult to find, making them more vulnerable to investment fraud schemes.

No Minimum Listing Standards   Companies that trade their stocks on major exchanges and in the Nasdaq Stock Market must meet minimum listing standards. For example, they must have minimum amounts of net assets and minimum numbers of shareholders. In contrast, companies on the OTCBB or the Pink Sheets do not have to meet any minimum standards.

Risk   While all investments involve risk, microcap stocks are among the most risky. Many microcap companies tend to be new and have no proven track record. Some of these companies have no assets or operations. Others have products and services that are still in development or have yet to be tested in the market. Another risk that pertains to microcap stocks involves the low volumes of trades. Because microcap stocks trade in low volumes, any size of trade can have a large percentage impact on the price of the stock.

More at: http://www.sec.gov/investor/pubs/microcapstock.htm

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Re: Microcap Millionaire
« Reply #114 on: May 02, 2012, 12:06:09 AM »
thank you hubag for sharing your knowledge w/ us. penny stocks is the most dangerous game to play. sa aho nang giingon ninjo, bisan usa ka sako pa imong pohonan, tilapan lang. mahurot jud dajon. i lost more than $200,000 betting on penny stocks until i learned how to play this game. ang kina dali-an nga sapi-an nimo mao ang pump and dump stocks. tuju-on ug pasaka sa mga promoter ang presyo pagka human himolbolan na. inig saka sa presyo tungod kay daghan nang mamalit ipa maligja dajon nila ang ilang mga shares. ang mga promoter maoy dagko ang ganansya. ang mga gagmay nga investor pareha naho maoy mag bago sa arkanse. hangtod naka mao ra ko na dugay. ride on dajon basta naay stock i promote unja sibat dajon. di na ko mo huwat pa ug dakong ganansya. maneguro lang ko ug ginagmay kay dili man nimo mahibaw-an anus-a i dump ang stock. pero naa poy mga penny stocks nga genuine. kong maka tonong ka ani, you can have your millions in just a few years. pareha aning LUXR, nag sugod lang ni sija at 2 cents last year. naka dawat ko sa tip tag 50 cents na ang share price. now it is playing at more than.  $1 a share. kong ahong ibaligja ang ahong mga shares sa LUXR, maka sapi na ko. but i am holding this for the long term. mo sigi pa jud ug saka ang price ani.

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Re: Microcap Millionaire
« Reply #115 on: May 02, 2012, 12:09:27 AM »
Mr. Hubag,

Would you mind telling us what stocks you have. Maybe you hold blue chips  ???

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Re: Microcap Millionaire
« Reply #116 on: May 02, 2012, 04:15:09 AM »
mag himo ta ug portfolio para ni ISLANDER. let us begin with $500. ato lang paka tolgon ni. dili nato i trade. invest lang

12:57
florida time
4/17/12

LUXR

we buy LUXR at $1.16 we have 431 shares





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Re: Microcap Millionaire
« Reply #117 on: May 02, 2012, 04:16:04 AM »
LUXR

Bid/Size
1.30 / 2,500
Ask/Size
1.32 / 1,500
Price Open
1.22
Previous Close
1.22
Day High
1.35
Day Low
1.16
52wk High/Date
1.62 / 4/25/2012
52wk Low/Date
0.0294 / 8/4/2011

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Re: Microcap Millionaire
« Reply #118 on: May 02, 2012, 04:26:02 AM »
ISLANDER PORTFOLIO

LUXR closed today at 1.31. kong ibaligja ni islander ang ijang shares naa sijay halin nga  $564 . naa sijay ganansya nga $64 in 2 weeks from her capital of $500. but we are not selling her shares mo saka man o mo os-os ang presyo kay INVESTMENT man ni. dili man ni TRADE

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Re: Microcap Millionaire
« Reply #119 on: May 02, 2012, 10:48:09 AM »
Daghan na tang sensitive ug naa pud koy pag umangkon ingon ana. May pa to sa una nga nagwork siya sa bookstore sa estudyante pa sa college kay kara sweldo di jud masipyat mopalit ug klase klaseng prutas karon nga nakahuman ug maayo na kaayo ug kahimtang bisan card wa ko kadawat pasalamat. Ingnon raman nuon ko wa na kono koy pangayuon pa kay naa na nako tanan. Di jud butang akong gipangayo kundi bisan snail mail once a year nalang unta wa jud.

Ms. Isles and Raquel, dli mani ako sa pag defend kay wala man ko kaila sa inyong mga pag-umangkon, pero siguro, karon nga daghan-daghan na ug kwarta, daghan nasad ug bills ug mga utang ba. Daghan nasad kaayo ug gikalingawan.  Naa lang gyud siguro mga taw nga ing-ana pud nga wala gyud siguro nasulod sa ilang utok ug wala sad nakatambag.

Sa akong experience, sa ako pay college, bisan gamay ra kog kwarta, wala man koy balayronon so akong kwarta, ako ra gyud. Buhong kaayo ang mga kinugos kay wala may laing gikalingawan si "mommy ging-ging". Karon nga daghan2 na ug sulod akong wallet, daghan naman sad naka budget daan. Unya, ug wala nakabutang sa calendar ang mga bday, anniv ug uban pa, mawala sa passing, bisan card, dli tawn ko makapadala tungod sa ka hectic sa akong sked. trabaho pa, maid pa gyud sa balay, nya skwela pa jud pakapin.

Basin lang pud wala na realize nila ba. kuwangan lang pud siguro ug tambag nga pina discreet. :-)

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“Weak is he who permits his thoughts to control his actions; strong is he who forces his actions to control his thoughts.”  (Scroll VI) ~Og Mandino

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