Saturday, June 7, 2008 – Exclusive Industry Interview: John F. Kasprzak, Jr., Managing Director, BB&T Capital Markets
by: dawn van zant
News Release
October 28, 2004

POINT ROBERTS, WA. October 28, 2004 -, a global investment news and research portal covering the homebuilder sector, is pleased to feature an exclusive interview with John F. Kasprzak, Jr., Managing Director, BB&T Capital Markets, who discusses the peril that investors face when basing investing decisions on a forecast of interest rates. provides investors with news, information, public company profiles, and developing trends in the homebuilder sector. The site does not make stock recommendations but offers a unique free information portal for investors to explore news, articles, and recent research. The site is currently compensated by featured company International Barrier Technology Inc. (IBTGF: OTCBB; IBH: TSXV).
Our current list of public companies in the sector includes: Beazer Homes USA, Inc., Brookfield Homes, Centex, Inc., Home Depot, Homestore, Inc., KB Home, Lennar Corporation, Lowe’s, Monterey Homes, Orleans Homebuilders, Inc., Pulte Homes and numerous others. For the complete list, click here:
Interview Excerpt: Do you anticipate rising interest rates to affect the housing sector?
Mr. Kasprzak:
This is an interesting question because the consensus view has been that interest rates would rise this year, perhaps by a lot, and that housing would slow, perhaps by a lot. This has not occurred and underscores the peril that investors face when basing investing decisions, particularly on homebuilding stocks, on a forecast of interest rates. We believe interest rates would have to rise by 200-300 basis points to alter the housing market but the market would adjust. Housing demand is fundamentally driven by population growth and demographic trends, not interest rates, and these trends are unmistakably positive in our view.
Is there any grouping within the sector that will outperform the rest?
Mr. Kasprzak:
While we have been generally bullish on the housing sector and homebuilding stocks due to their attractive valuations, we have liked the luxury sector quite a bit. Demographic trends really dovetail nicely with rising demand in the luxury sector. The baby boom generation is getting older and earning more money, and their is a huge intergenerational transfer of wealth occurring that bodes well for demand in the luxury area.
John F. Kasprzak, Jr., managing director, BB&T Capital Markets, joined Equity Research in 1997. His industry focus includes companies engaged in building materials and home building. Kasprzak was named in the 2000 Wall Street Journal Best on the Street Analyst Survey (including number one in estimate accuracy) as well as the inaugural All-Star Analyst Survey. He has also been included in the Reuters Survey of Mid to Smaller Company Investment Research on three separate occasions.

BB&T Capital Markets has received compensation for investment banking services from WCI Communities, Inc. in the last 12 months.
BB&T Capital Markets expects to receive or intends to seek compensation for investment banking services from WCI Communities, Inc. in the next three months. An affiliate of BB&T Capital Markets received compensation from WCI Communities, Inc. for products or services other than investment banking services during the past 12 months.
Full Interview:
Featured Company: International Barrier Technology Inc. (IBTGF: OTCBB; IBH: TSXV) develops, manufactures, and markets proprietary fire resistant building materials branded as Blazeguard. Barrier’s award-winning Blazeguard wood panels use a patented, non-toxic, non-combustible coating with an extraordinary capability: it releases water in the heat of fire. The panels exceed “model” building code requirements in every targeted fire test and application, and are unique in combining properties that increase panel strength and minimize environmental and human impact. Blazeguard provides Barrier’s customers a premium material choice meeting an increasingly challenging combination of requirements in residential and commercial building construction. Blazeguard customers include four of the five top homebuilders!

Nothing on the site should be construed as an offer or solicitation to buy or sell any specific products or securities. All investments involve risk. Past performance does not guarantee future results. Investigate before you invest. Although we attempt to research thoroughly, there are no guarantees in accuracy. We encourage all investors to use our research as a resource only, but to further their own research on all featured companies, industry research and articles featured. is compensated by Featured Company IBH via a fee of $8000 and stock options of up to 110,000 shares exercisable at $0.80 and currently has a remainder of 25,000 options at 0.25 not exercised.

SOURCE: ECON Investor Relations Inc., which owns the domain
For more information contact:
Dawn Van Zant / Trevor Ruehs
Toll free: 800-665-0411
Email: or

About the author: provides investors with news, information, public company profiles, and developing trends in the homebuilder sector. The site does not make stock recommendations but offers a unique free information portal for investors to explore news, articles, and recent research.

Monday, May 12, 2008

Find Investment Properties - 10 Ways

Find Investment Properties - 10 Ways
by: Steve Gillman

If you really want the best deals in investment properties, you have to increase your odds by finding more deals. Who is more likely to get a cheap apartment building, an investor that looks through the MLS listings and calls it a day, or the one that uses ten resources? Here are the ten:

1. Talk. Let people know you are looking and sometimes the properties will come to you. There are a lot of owners out there who want to sell, but haven't yet listed their property.

2. Use the internet. Go to a search engine and enter the type of real estate you are looking for, along with the city you want to invest in. You never know what you might find.

3. Drive around looking for "For Sale By Owner" signs. Owners often don't want to pay to keep the ad in the paper every week, so you won't see all properties there.

4. Find abandoned properties. That's a pretty clear sign that the owner doesn't want to deal with the property. He might sell cheap.

5. Find old "For Rent" ads. Call if they are a few weeks old. Landlords are often ready to sell, especially if the haven't yet rented the units out.

6. Talk to bankers. You might get a foreclosed-on investment property cheaper if you buy it before they list it with a real estate agent.

7. Offer someone a finder's fee. There are people that always seem to hear about the good deals. Have such people coming to you.

8. Eviction notices. If your local papers publish eviction notices, or if you can get the information at the courthouse, it can be useful. A landlord who just went through the procees of evicting tenants is a likely seller.

9. Old FSBO ads. If you call on two-month-old "For sale By Owner" ads, and they haven't sold, they may be ready to deal. Owners often give up the effort, but still would love to sell. Help them out!

10. Put an ad in the paper. "Looking for investment properties to buy," might be sufficient to generate a few calls.

About the author:
Steve Gillman has invested in real estate for years. To learn more, and to see a photo of a beautiful house he and his wife bought for $17,500, visit

Saturday, March 15, 2008

6 steps to win on High Yield Investment Programs (HYIP)

6 steps to win on High Yield Investment Programs (HYIP)
by: Fryan Valdez

What is HYIP?
HYIP stands for High Yield Investment Program. As the name implies it is high Return of investment. But wait! this type of investments does not last for long...

I entered HYIP world on year 2002 and that year there are hundreds of programs available. Like most of HYIP investors, High ROI attracted me to this business. On my first year I invested nearly $1,200 on three programs and guess what I lost it all, Yes I have been SCAM!

But instead of backing down, I stand-up and play with them. Here are some tips that can help you avoid SCAMs.

1. Be ready to lose. Only invest money you are willing to lose. Remember investing of this type of programs is almost same as gambling.

2. Do not invest on programs that are not listed on premier HYIP review and ratings sites. This owner of these review site are also investors and they dont want lose money either. Here are some of these sites:

Create a short list of programs you have chosen from these sites (I prefer top 10 programs).

3. After you have shortlisted the HYIP programs, choose at most three (3) programs from shortlisted that already working and paying for at least 3 months but lesser than 2 years (acceptable life span of HYIP is up to 2 years).

4. Diversify your money to your final selected programs. You can do the following:

Total Investment - 300$

Program,Investment,Compounded (%)

Do not compound all you investment because it's to risky. I recommend that one of your program should be 0% compunded and

deposited directly to your e-gold account

5. Monitor. Monitor. Monitor --- Visit the review sites if possible everyday to check the statuses of your HYIP. If one of your HYIP website had been down for 3- 5 time in one month start pulling out your principal from this program.

6. Last Step, Study and Learn. Read investment articles that can help you increase your understanding on internet investments. Here is a great resource:

Get Paid Programs Review & Ratings - Your One stop making money directory

By following this 6 steps you can win and beat HYIP scams! Happy Investing!

About the Author

- 3 Years investing on HYIP program and Offshore investments.
- A website owner.
Get Paid Programs Review - Your One stop making money directory
Find your home in the philippines online

Friday, February 15, 2008

Start an Investment Club - Business Model

How to Start an Investment Club - Business Model
by: chris hickman

Your investment club will need to decide what type of entity you're going to adopt for business purposes. You'll have to decide whether you're going to be a corporation, a general partnership, or limited liability partnership.

Each of these business models has their own advantages and disadvantages.

· Corporation. Most investment clubs will avoid becoming a corporation. This is because corporations are taxable business entities that require knowledgeable accounting skills to make them run smoothly and in accord with government regulations. A corporation generally means a lot of paperwork. This paperwork can be avoided by choosing another business model for your purpose of running an investment club.

· General partnership. This type of business model requires less paperwork and knowledge about taxes and other financial issues. Most investment clubs choose a general partnership as their choice of a business entity. A general partnership has nominal paperwork and costs associated with it because the taxes are passed to each partner's tax returns. This type of business model will let you accomplish what you need to do to run your investment club with the least amount of tax influence.

· Limited liability corporations. This type of a business model is much like the general partnership but it gives individual members of your investment group a bit more liability protection. Keep in mind that this type of business entity can be expensive and will need more paperwork.

Members of your investment group will have to decide which of the above business models works best for your club.

You will have to make a decision one way or the other since establishing a business entity is a requirement for tax purposes.

About the author:
Chris Hickman owns a full info site about investment clubs. Check Out his site at

Friday, January 18, 2008

Finance Your Real Estate Investment Properties

Finance Your Real Estate Investment Properties
by: Peter Dobler

Unlike traditional residential real estate mortgages, real estate investment financing is way more creative and offers more options than you think. The golden rule in real estate investment is OPM (Other People’s Money).

I have enough money; shouldn’t I buy my real estate investment for cash? No, I absolutely advice against investing large sums of cash into a single real estate investment. There are two reasons why not. First, you give away most of your profits by not leveraging your real estate investment. Second, it is far too risky to put every egg into one basket.

Let me explain the leverage issue for a moment. I will give you an example of a $100,000 investment property that typically increases its value (appreciates) by 7% average a year. Maybe more, maybe less depending where you live. Paying all cash for this property will yield in a 7% appreciation profit plus the net profit from renting the place. Now you’re looking at roughly 15% of returns.

If you’re conservative with your investments you might be satisfied with this kind of a return. These days you might get equal or better returns with other conservative investments minus the hassle of being a landlord. But you don’t mind being a landlord, because you understand and utilize the leveraging method with financing your real estate investment.

With the example above you will make roughly $15,000 a year in profits from your investment. Now let’s take a closer look at what leveraging can do for you. Today a typical real estate investor can get financing as high as 95% - 97% of the purchase price. Occasionally 100% financing is available as well. But this would be totally unfair in this example to compare this with all cash purchasing.

15% return sounds like a lot, but wait till you see this. Let’s assume that the rental income will cover all your expenses including the mortgage payments. Taking the same example from before your net return would be the 7% appreciation profits of your property. This would translate into a $7,000 a year profit. With a 95% financing in place you would get $7,000 return on $5,000 (your 5% down payment) invested. This is a whopping 140%
return on investment.

With the same $100,000 you can go out there and get 20 investment properties, finance 95% of it and make an amazing $140,000 profit a year. This beats the projected $15,000 profits with an all cash transaction any day.

Of course you will have a lot of trouble to get financing for 20 properties in a single year. Typically 5-6 new rental property mortgages are the maximum lenders will allow these days. This is the signal to get creative with your financing structures.

In this case sellers financing would be your key to achieve your goal of maximum leverage of your investment dollars. Despite the message from all these late night infomercials, seller financing is harder to get than they want you to make believe it is.

It all depends on the seller’s ability to offer seller financing and the seller’s motivation. Only about 1 out of 20 properties for sale are able to get seller financing. That means that there’s no mortgage balance on the property. From this narrow selection the seller must be motivated to sell under these conditions. This could be tax reasons, time constraints, personal reasons and many more.

As you can see this translates into a lot of work to achieve your goals. But let me tell you one thing. This separates the tire kicker real estate investors from the real go-getters. Wouldn’t you agree that a little bit of hard work and determination is well worth it to build a real estate empire?

I think it is well worth the trouble and hard work. At the end of the day you keep building your real estate investment portfolio and sooner than later you will be able to cash in.

Peter Dobler
(c) 2005

About the author:
Peter Dobler is a 20+ year veteran in the IT business. He is an active Real Estate Investor and a successful Internet business owner. Learn more about real estate investments at or send a blank email to

Friday, January 4, 2008

Best Stock Market Simulation Games

Best Stock Market Simulation Games
by: scott morris

A stock market simulation game is a great way to practice your investment skills before actually investing any "real" money in the stock market.

Simulation games are usually played on the internet, where people can experience the thrill of investing in the stock market without any risks, costs or any fear of losing money when and if they make a poor investment decision.

Many teachers and professors of banking and finance are now using stock market simulation games to teach their students about the rudiments of investing in stocks. Most stock market simulation games come with a fee to get started, but there are some that are free of any charge. One does not need have prior knowledge about the stock market to join.

This is how stock market simulation games usually work:

First, players must register. After registration, players are given an initial sum of "virtual" money to invest in companies of their choice. Players build a portfolio of stocks by buying and selling shares in companies. Most stock market simulation games use real-time market data.

The objective of most stock market simulation games is simple:

To increase the value of your portfolio of stocks so that it is greater than that of the other game players.

Below are some tips on choosing a stock market simulation game:

• Choose a stock market simulation game that is used and recommended by reputable colleges, high schools, middle school, investment clubs, brokers in training, corporate education courses and any other group of individuals studying markets in the U.S. and worldwide.

• Choose a stock market simulation game that is comprehensive and easy to implement in any Finance, Economics, or Investments class. A good stock market simulation game should feature trading of stocks, options, futures, mutual funds, bonds from the U.S. and many of the world's major markets.

• Choose a stock market simulation game that provides a valuable, reliable, and realistic trading simulation at a reasonable price to members and other individuals who are interested in learning more about investing and trading. The simulation game should also have some capability for testing a variety for investment strategies.

• Choose a stock market simulation game that has a toll-free customer service phone number and excellent e-mail support for members. The support function should be able to quickly answer any questions that members/players may have.

• Choose a stock market simulation game that is easy to use and easy to teach even to those who have never had any real hands-on investment experience.

About the author:
Scott Morris manages his personal site on stocks investments and venture capital investments http://ceoinvestments.comfor more information, you can visit