Considering�how difficult the lending environment is for mid-size private companies, it only makes sense to take a hard look at the business development companies (BDCs).
It’s been a catch 22 for the banks. They are awash in cash,� but after getting shell shocked by the recession they aren’t willing to put that cash in the system in the form of new small-business loans as the Fed had intended under its current policy.
Top 5 Financial Stocks To Own Right Now: Pacific WebWorks Inc (PWEB)
Pacific WebWorks, Inc. (Pacific WebWorks), incorporated on May 18, 1987, is an application service provider and software development firm that develops business software technologies and services for business merchants and organizations using Internet and other technologies. The Company�� product family provides tools for Website creation, management and maintenance, electronic business storefront hosting and Internet payment systems for the small- to medium-sized business and organization. Its four wholly owned subsidiaries include Intellipay, Inc., TradeWorks Marketing, Inc., FundWorks, Inc and Pacific WebWorks International, LTD.
Visual WebTools Version 4.1 (V4.1)
V4.1 is a suite of software programs that fit together to perform the basic business functions that are effective on the Internet. The products in this suite include WebWizard, ClipOn Commerce, WebContacts, WebChannels, Web Profiling tool, WebStats, Auction Connection and Increase My Margin. WebWizard is a Web page design program that possesses a user interface and templates for the novice, has a functionality for Web design professionals. In 2010, the Company released WebWizard 5 and it incorporates site components like tables, frames, flash and other multimedia capabilities in a straightforward, menu driven process.
The Company�� customers can manage their sites' layout, colors, contents, tables and graphics. WebWizard includes a library of hundreds of graphics that are freely accessible by its customers. WebWizard allows its customers to create, update and modify their Websites. ClipOn Commerce is an e-storefront and product management system, coupled with shopping cart technology. ClipOn Commerce allows the Company�� customers to build an Internet storefront. They can create a product catalog, organize and search products by unlimited categories and import/export to and from their database. ClipOn Commerce is designed to function with a third-party merchant account and is integrated with t! he Company�� Intellipay payment system, which allows its clients to accept all major credit cards online. ClipOn Commerce has support for QuickBooks accounting software enabling the Company�� customers to update between their accounting records and Internet storefront. ClipOn Commerce also features uninterrupted power supply (UPS) shipping integration.
WebContacts is a contact management program. Companies that use the Company�� system can utilize WebContacts to organize information about all the entities they do business with, including customers, suppliers and distributors. WebContacts will also enable them to capture information about people who visit their Website, if those visitors elect to supply contact information at the site. WebChannels is an e-mail distribution program that enables Pacific WebWorks��customers to send customized e-mails in either plaintext or hyper text markup language (HTML) format to their WebContacts database of visitors. By using WebChannels, a client can send out a weekly newsletter, coupons or special offers to an entire customer base, certain visitor types or to a segment of their customers.
Web profiling tool is a form and survey creation tool that helps capture feedback and demographic information from customers and Website visitors. The Company�� clients can create customizable forms, surveys and interactive questionnaires. The Web profiling tool includes a catalog of pre-designed questions, such as education level, hobbies and satisfaction level. The profiling forms may also be custom created by the Company�� customers. WebStats enables the Company�� customers to analyze visitor activities on their Websites in order to track pages viewed, hits and time of access. WebStats is a statistics program that provides detailed reports and graphs related to referring pages, geographic location of visitors, browsers and the operating systems Website visitors are using, what Web pages generate hits and what pages are the most popular. Au! ction Con! nection is a module that allows Visual WebTools users to list inventory items with eBay. Increase My Margin is a tool that allows eBay users to analyze information and data related to the sale of thousands of products sold on eBay over a period of time.
Intellipay Payment System
The Intellipay payment system group of products offers payment technologies for business-to-business and business-to-customer uses on the Internet and in physical store locations. These products allow the Company�� customers to accept real time credit card payments from their Website, Internet appliances, kiosks or at remote locations through their Nextel cell phone or at the physical point of sale. Point-of-sale professionals provide technical support and ePayment professionals help the business locate an Internet-approved merchant account if needed. Once customers enter the necessary data in a secure form, Intellipay processes the transaction in real-time (2 to 5 seconds) and returns the customer back to the business site. Intellipay also provides methods for enterprise-level businesses to link Intellipay products, services and features into their e-commerce Websites and transmit transactional data for use in back office systems.
The Company�� ePayment System supports all major card types, including Visa, MasterCard, American Express, Discover, Diners Club and JCB. It also provides support for Visa and MasterCard debit (check) cards and Level Two corporate/commercial cards through various bank networks. Transaction types include normal authorizations, pre-authorizations intended for delayed settlement, force allowing a transaction authorized offline (possibly a voice authorization) to be settled, credits for refunds, and Intellipay's address verification system (AVS) allows merchants to retrieve a score and verify the account validity. This Intellipay product allows the Company�� customers to control transaction level behavior depending on AVS scores and duplicate transaction attemp! t detecti! on. Intellipay also automatically settles merchant batches nightly so its customers are freed from forcing settlement via manual or programmatic methods. The Intellipay system is transportable meaning that a customer can switch Website hosting companies, move between e-commerce software programs or change to or from many merchant account providers.
ExpertLink is Intellipay's connection protocol for high-volume Internet businesses requiring high velocity real-time transaction authorizations linked to their own secure Website and/or back office systems. ExpertLink is a standards-based secure communications method allowing Web developers and application developers to build in the ePayment processing and various features, including batch management commands, duplicate transaction detection and management. The Company�� customers purchase ExpertLink or LinkSmart, and both come with Smart Terminal and the Secure Account Management System (SAMS).
LinkSmart provides the Company�� online customers with ePayment features with minimal technical installation on their side. With LinkSmart, the Company�� customer does not need to pay for installation and maintenance of secure servers since LinkSmart serves the secure, customizable payment pages for them. LinkSmart offloads mission-critical, e-commerce tasks from the merchant.
Smart Terminal allows Pacific WebWorks��customers to securely log into their Intellipay account from any Internet browser and authorize manual transactions and orders they have received through offline methods. Smart Terminal supports transactions, including normal authorizations, authorization-only for delayed settlement, settlement for non-Intellipay authorized transactions, credits and partial credits. Most clients receive Smart Terminal along with LinkSmart or ExpertLink, but Smart Terminal can also be purchased as a standalone product.
Secure Account Management System (SAMS) allows Intellipay customers to securely log into Intellip! ay's SAMS! from any Web browser to configure and control various Intellipay components and behaviors. Customers can also view transaction histories for any day in the past 180 day period. IntelliPay Desktop Terminal (IDT) brings all of the functionality of a virtual terminal application to the customers��desktop, while supporting hardware, such as a card reader and receipt printer. IntelliPay Wireless Terminal allows a merchant to accept either swiped or keyed transactions using a Nextel Cellular/Data phone using a card reader.
The Company competes with AuthorizeNet and VeriSign.
Advisors' Opinion:- [By CRWE]
Today, PWEB remains (0.00%) +0.000 at $.0185 with 2,891 shares in play thus far (ref. google finance Delayed: 9:34AM EDT July 19, 2013).
Pacific WebWorks, Inc. previously reported the following business update. For the first six months of 2013 the Company has focused on revitalizing its internet technology business model. As previously reported, Pacific WebWorks has expanded its software suite and established a framework for reaching new markets with its software products. The Company believes there is strong demand for its products and is aggressively pursuing the opportunity to obtain new customers through a variety of marketing methods.
Lance Bell, CEO, stated, ��e are excited to report a number of accomplishments during the first six months of 2013. We have rounded out our management team, finalized our infrastructure and have begun to market our software products. We are encouraged by the initial results of these efforts.��/p>
- [By CRWE]
Today, PWEB remains (0.00%) +0.000 at $.0231 with 1,000 shares in play thus far (ref. google finance Delayed: 9:30AM EDT July 16, 2013).
Pacific WebWorks, Inc. previously reported the following business update. For the first six months of 2013 the Company has focused on revitalizing its internet technology business model. As previously reported, Pacific WebWorks has expanded its software suite and established a framework for reaching new markets with its software products. The Company believes there is strong demand for its products and is aggressively pursuing the opportunity to obtain new customers through a variety of marketing methods.
Lance Bell, CEO, stated, ��e are excited to report a number of accomplishments during the first six months of 2013. We have rounded out our management team, finalized our infrastructure and have begun to market our software products. We are encouraged by the initial results of these efforts.��/p>
Top 5 High Dividend Stocks To Own Right Now: Greenfield Farms Food Inc (GRAS)
Greenfield Farms Food, Inc., formerly Sweet Spot Games, Inc., is a consumer and wholesale driven producer of grassfed beef. As of March 2, 2011, the Company had product in 55 retail locations, 51 with Lowes Foods Stores throughout North and South Carolina, three retail locations with the Healthy Home Markets in Charlotte, North Carolina and one custom butcher, The Peach Stand located in Ft. Mill, South Carolina. On March 1, 2011, the Company executed a plan of exchange and merger and acquired Greenfield Farms Grassfed Beef, Inc., a North Carolina company. As of March 2, 2011, the Company and its collective group of producers represented over 2,500 acres in pasture under management and approximately 2,000 head of cattle. In November 2013, Greenfield Farms Food Inc acquired Carmela's Pizzeria.
The Company was established as a development-stage company, for developing online, multiplayer gaming applications. In February 2010, the Company abandoned the game development space.
The Company competes with White Oak Pastures (WOP).
Advisors' Opinion:- [By Peter Graham]
Small cap stocks Greenfield Farms Food Inc (OTCMKTS: GRAS), International Stem Cell Corp (OTCMKTS: ISCO) and Redpoint Bio Corporation (OTCMKTS: RPBC) have all been getting some extra attention lately in various investment newsletters. However, none of these small cap stocks appear to have been the subject or paid promotions or investor relations activities. So does that make any of them good bets for traders and investors alike? Here is a quick look and a reality check:
Top 5 High Dividend Stocks To Own Right Now: Landauer Inc (LDR)
Landauer, Inc. (Landauer) is a provider of technical and analytical services to determine occupational and environmental radiation exposure. The Company is domestic provider of outsourced medical physics services. The Company operates in two segments: Radiation Monitoring and Medical Physics. The Company has provided radiation dosimetry services to hospitals, medical and dental offices, universities, national laboratories, nuclear facilities and other industries. Landauer's services include the manufacture of radiation detection monitors, the distribution and collection of the monitors to and from customers, and the analysis and reporting of exposure findings. In addition to providing analytical services, the Company leases or sells dosimetry detectors and reading equipment to customers. Medical physics services are provided through the Company's Global Physics Solutions, Inc. (GPS) subsidiary. In November 2011, it acquired IZI Medical Products, LLC.
In November 2009, Landauer completed the acquisition of GPS. GPS is a nationwide service provider of clinical physics support, equipment commissioning and accreditation support and imaging equipment testing. In June 2010, Landauer, through its GPS subsidiary, completed the acquisition of Upstate Medical Physics (UMP), a provider of imaging physics services in New York. In November 2009, Landauer completed the acquisition of Gammadata Matteknik AB (GDM), a Swedish provider of radon measurement services. GDM provides measurement services throughout the Scandinavian region and Europe. In October 2009, Landauer completed the acquisition of dosimetry service in Sweden, called Landauer Persondosimetri AB (PDM).
The Radiation Monitoring revenues are realized from radiation monitoring services and other services incidental to radiation dose measurement. The Company enters into agreements with customers to provide them with radiation monitoring services, for a 12 month period. As part of its services, the Company provides to its custome! rs radiation detection badges, which are produced and owned by the Company. The badges are worn for a period selected by the customers (wear period), which is usually one, two, or three months in duration. At the end of the wear period, the badges are returned to the Company for analysis. The Company analyzes the badges that have been worn and provides its customers with a report indicating their radiation exposures. The Company recycles certain badge components for reuse, while also producing replacement badges on a continual basis.
The Company offers its service for measuring the dosages of x-ray, gamma radiation and other penetrating ionizing radiations, to which the wearer has been exposed, through badges, which contain optically stimulated luminescent (OSL) material, which are worn by customer personnel. This technology is marketed under the trade names Luxel+ and InLight. A component of the Company's dosimetry system is OSL crystal material. The Company's base OSL material is manufactured utilizing a process to create aluminum oxide crystals in a structure that is able to retain charged electrons following the crystal's exposure to radiation.
Landauer's InLight dosimetry system provides in-house and commercial laboratories with the ability to provide in-house radiation monitoring services using OSL technology. InLight services involve a customer acquiring or leasing dosimetry devices, as well as analytical reading equipment from the Company. The InLight system allows customers the flexibility to tailor their dosimetry needs. Landauer's operations include services for the measurement and monitoring of radon gas. The Company offers a service, which provides radon monitoring and, when necessary, remediation to purchasers of personal residences. Testing requires the customer to deploy a radon detector and return the detector to the Company's laboratories for dose determination and reporting. The Company assists with remediation services on properties where radon measurements ! exceed a ! specified threshold.
The Company competes with Mirion Technologies.
Advisors' Opinion:- [By Seth Jayson]
Calling all cash flows
When you are trying to buy the market's best stocks, it's worth checking up on your companies' free cash flow once a quarter or so, to see whether it bears any relationship to the net income in the headlines. That's what we do with this series. Today, we're checking in on Landauer (NYSE: LDR ) , whose recent revenue and earnings are plotted below.
Top 5 High Dividend Stocks To Own Right Now: H&R Block Inc. (HRB)
H&R Block, Inc., through its subsidiaries, provides tax preparation, retail banking, and various business advisory and consulting services. It operates in three segments: Tax Services, Business Services, and Corporate. The Tax Services segment offers H&R Block At Home, an income tax preparation software, as well as a range of online tax services, including tax advice, professional and do-it-yourself tax return preparation, and electronic filing services through its Web site at hrblock.com primarily in the United States, Canada, and Australia. This segment also provides the H&R Block Prepaid Emerald MasterCard and Emerald Advance lines of credit through H&R Block Bank, as well as other retail banking services, including checking and savings accounts, individual retirement accounts, and certificates of deposit; and sells refund anticipation loans and refund anticipation checks offered by third-party lending institutions, as well as offers income tax return preparation course s to the public. The Business Services segment provides tax and consulting services, wealth management, and capital markets services to middle-market companies. The Corporate segment engages in various operations, which include interest income from the United States passive investments, interest expense on borrowings, net interest margin and gains or losses relating to mortgage loans held for investment, real estate owned, residual interests in securitizations and other corporate expenses principally related to finance, legal, and other support departments. The company was founded in 1946 and is headquartered in Kansas City, Missouri.
Advisors' Opinion:- [By Ben Rooney]
In corporate news, shares of H&R Block (HRB) jumped after the company said it will sell its bank to Bofl Federal Bank. Shares of retailer GAP (GPS, Fortune 500) slid when the company said sales fell in March.
- [By WWW.DAILYFINANCE.COM]
Shutterstock In a new program dubbed the "H&R Block Budget Challenge," the world's largest tax services company is offering $3 million to help kids get smarter about money matters. As H&R Block (HRB) explains, "By learning strong budgeting skills and fiscal discipline early, kids can gain the knowledge and confidence to manage their own financial future." To help that process, Block has set up a free online game that schoolteachers can use to improve teen financial literacy. Real Life, Online Within the program, students take on the role of recent college graduates, gainfully employed and equipped with "a regular paycheck, a checking account [and] a 401(k) savings account." Students must then use their income and assets to navigate situations that should be familiar to any adult, such as "paying bills, managing expenses, saving money, investing in retirement, paying taxes and more." Points can be earned for "maximizing 401(k) savings, paying bills on time and responding correctly to quiz questions." Conversely, students who trip up and leave themselves open to paying late fees on bills, overdraft fees for overdrawing their accounts, and finance charges for carrying too much credit card debt will see their scores hurt. For bonus points, students can take quizzes to test their knowledge of financial concepts over the course of the game. Teamwork Pays Off Classrooms play as a team, scored for the average performance of students within each classroom, and competing with other student classrooms for a total of as much as $3 million in potential grants and scholarships. These break down like so: 60 classroom grants worth up to $5,000 apiece. 132 opportunities for student scholarships of $20,000 each. One grand prize scholarship of $100,000. Periodic student incentives that can be won during game-play. When you add all those up, H&R Block may end up paying out slightly more than $3 million from this program. Each classroom has the potential to win
- [By Rebecca McClay]
In earnings news today, a few companies are reporting after the closing bell, including H & R Block Inc. (NYSE: HRB), which is up about 1%. Pike Electric Corp. (NYES: PIKE), Guidewire Software Inc. (NYSE: GWRE), and Sigma Designs Inc. (Nasdaq: SIGM) are also reporting quarterly earnings late this afternoon.
- [By John Kell and Lauren Pollock var popups = dojo.query(".socialByline .popC"); ]
H&R Block Inc.'s(HRB) fiscal third-quarter loss widened sharply as the tax-services provider couldn’t book $277 million in tax return revenue due to the delayed opening of the federal government’s e-file system. Shares dropped 2.5% to $30.20 premarket.
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