• Stock Investing:
  7 Hot Winning Tips For Mega Success.
• NSE Market Brief:
  Indices & Highlights
• Investment Basics: Understanding the Capital Structure of a Company.
• Property Investing: How to Negotiate a Great Property Deal.
• Youth Investing:
  Why It Pays to Start Early to Invest.
• Insurance:
  Time to do Something Good for Your Family.
• Wealth-in-Health:
  Lifestyle Approach to Personal Healthcare.
• Investment Q&A:
  What is Capital Appreciation?
  
  
• Plus:
  Corporate Mirror - United Bank for Africa Plc.
  
  Corporate Headlines
  

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-TOP REPORT -
Stock Investing: 7 Hot Winning Tips for Sustained Investment Success

Stock investing should be a major component of your wealth-building strategy. If it is, you'll definitely want to achieve success with your investments. You would therefore find great value in a set of winning strategies that the pros apply in making a success of their own investments. While circumstances are never exactly the same, certain basic principles will prove effective in most situations. The following are powerful principles that can advance your performance as an investor in the stock-market.

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Market Review for Half-month 1st - 15th May, 2007

On a general note, the market would be characterised as relatively flat over this period, with the all-share index virtually stagnant (it merely advanced up 13 points from 47,123.99 to 47,124.14). That would not be said of individual stocks, some of which powered up significantly in the two-week period. Others conversely shed weight, bowing to market forces or adjusted for dividends.Observe, though, that the low-priced stocks (penny stocks, if you prefer this tag) dominate in terms of relative gains, which is not the case when you examine the flipside. To help you graphically see the movements and others indices over the period, we have all the summary stats here: get all the details.

Understanding The Capital Structure of a Company

As an investor, the term 'capital structure' matters because it has implications, firstly for the operational health of the business you invest in and, secondly, for the returns you receive as an investor.

Capital structure of a company refers to the mix or combination of various forms of funding for the operation of the business. Principally long-term funding, they consist of equity, debt and preferred stock. It is therefore simply the way a company finances its operation. How a company finances its operations, incidentally, can make or mar.

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How to Negotiate a Great Property Deal That
Knocks Over 20% off the Fair Market Price

Property investment has historically proven to be one of the most profitable areas of investment and one that can really build enduring wealth for the individual. Because of the immense capacity for capital appreciation when a good deal is made, wise investors try to include property in their overall portfolio of investments. In our society, property ownership is highly regarded because of what it symbolises - not only a store of wealth but, in most cases, a source of income and financial growth.

Unfortunately, unlike with quoted shares, the price you pay for a property is based on negotiations: there is no reference price to guide you. If not experienced in this process, you could end up paying a purchase price that erodes the potential for profit. Being able to buy a property at its fair market price is the least to hope for, but buying at 20% below that price is the real game as it leaves a comfortable margin for profit. How do you strike such bargains, most of the time? Here is a guide to help you negotiate eye-popping property deals, over and over again:

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7 Good Reasons to Start Early to Invest

While the fruit of investment is exciting and gratifying, the process of invesing is never easy. Investing entails a lot of sacrifice and forgone pleasure. The natural tendency is consequently to defer investment, hoping for enhanced resources and a more auspicious timing. That, perhaps, is why most people would live through adulthood without building a comfortable portfolio of investments that can support them and their families.

A time horison is a fundamental ingredient of investment success - investment needs time to grow. Unfortunately, many fail to understand this impact of time and as a result, miss to put it to work. Getting to commence work early on your investment strategy and process is not only the best way to guarantee success but also an effective way to spread out the burden. The best gift to yourself, if young, may perhaps be in understanding why timely action will make a big difference to your future financial success. If already old, it is never late, and besides, you have your children and kids around you to position for a better future. This is why:

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Time to Do Something Good for Your Family - Protect Them With Insurance

Traditionally, insurance has never sounded good to the average Nigerian. Yet, it remains one of the internationally adopted tools of wealth management and protection. While you strive to generate more wealth, a few unexpected occurences could wipe your years of sweat. Worse still, you could actually lose (or have substantially curtailed), that capacity to generate further wealth. That's the way of nature - the roses seem to grow together with thorns, as well.

The world has since devised some workable means of managing those risks, of which insurance is a major one, but many factors have kept us from learning to wear this armour of protection. With a few fundamental changes in that industry, you need a second look at what you are doing or failing to do to apply simple systems that can save you - and more importantly your family - much avoidable agony.

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Lifestyle Approach to Personal Healthcare - Easier Route to Good Health

Good health is at the root of all human enterprise: business, investment, recreation, whatever. Without it, all else will virtually fail or, at best, pale into insignificance. It simply ranks first in the hierachy of possessions that really count, which is why it is said that health is wealth. The good news is that it doesn't have to take much investment of money or effort. Just good sense. Our problem: we never really see good health as a goal to focus on. It is taken for granted, until something snaps.

Now, experts say that re-ordering and managing your lifestyle may just be your strongest weapon for good health. Rooted in the old philosophy of 'prevention is better than cure', the call is to institute a personal life style than minimises self-inflicted damage and leaves you in the strongest condition to fight disease. Or you think your doctor can always fix things up? Not always possible and not cheap too. Preventing damage through deliberate action is the preferred option. Even when a lot of damage is already done, significant regeneration is possible when you begin to do the right things about your lifestyle. So, what right things should you do?

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-Back to top-

United Bank fo Africa (UBA) Plc The Wise Choice

Though UBA had traditionally been a strong and leading bank in Nigeria (in the top three for a long time), it's current blistering form followed the merger, in 2005, with then Standard Trust Bank Plc (STB). STB had been a pace-setting 'new-generation' bank which shot to the top echelon of the industry in a relatively short space of time.

The crossover of the high-talent, aggressive and hard-nosed top management of STB to UBA, with Mr Tony Elumelu, former STB MD becoming UBA MD. would appear to have been the tonic UBA needed all along to find its full rythym. Now, the bank looks unstoppable, growing its share price from a modest N10 at consolidation to N37.99 as at today (some 280% growth). The price growth is also a reflection of the markedly improved earnings profile of the bank and the heftier returns to investors. While earnings growth was virtually flat in the three pre-merger years (2002 - 2004), gross earnings and PAT growth, from 2005, have shot up and continue to trend up. Year 2005 recorded gross earnings and PAT of N26.19 billion and N4.56 billion respectively while in the 18-month 2006 financial period (caused by financial year-end change), gross earnings grew to N90.45 billion while PAT rose to N9.38 billion.

UBA seems poised to become a major international player with strong presence across the regional market. The bank was in the market recently to raise N54 billion additional capital through a combination of rights issue and offer for subscription. Nearly half of the net proceeds (46.88%) is earmarked for domestic and international branch roll-out. With further proposed applications to branch upgrade (13.75%) and ATM deployment (15.62%), it is clear that the bank is targeting substantially increased operational capacity. This too is reflected in its earnings projections, with projected PBT rising to N34.60 billion for year 2009. With its current impressive run, market response to its stock is expected to remain strong as investors try to plough into a company that its future promises to prove rewarding.

	First Bank Goes for a Jumbo Share Offer, Sets New Offer Record
	Cement Company of Northern Nigeria Shops for Funds too
	Leadership Change at Transcorp as Company Repositions
	CBN Redeems Federal Republic of Nigeria 21 DS 2007
	Cadbury Battles Internal Discontent, Still Under the Burden of Financial reporting Discrepancy.
	SEC Tempers Stock Market Fees... But No Let-up for Market Operators

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