Tips for Using Finviz Stock Screener to Find Undervalued Stocks

Using a stock screener can help you find stocks that meet your search criteria much faster than browsing news about companies. Finding these stock picks requires you to have some knowledge of how the trading world works. Finviz is invaluable because it highlights hidden gems that may have otherwise gone unnoticed. Understanding how to use Finviz and Finviz Futures to find hidden gems will help you feel more in control of your investment ideas. Let’s take a peek at some of the best ways to use Finviz.

Finviz Offers Both Fundamental and Technical Screening Criteria.

Finviz is unique in that it offers both fundamental analysis and technical analysis criteria. This feature means you can see which stocks are trending as a potential undervalued gem, but you can also look under the hood at the company’s balance sheet to see if the pick makes sense. Fundamentals should always be taken into account before you trade and Finviz makes that easy.

Tips for Setting up your Screener.

When it comes to setting up your stock screener, there are a few tips you should follow. For picking stocks with a cursory look at their fundamentals, you should be going for settings that estimate EPS growth through the next five years as positive with a debt/equity ratio under 1. You don’t want to invest in a company that has taken on too much debt, as it could be an early warning sign that the company is not managed correctly and could lead to trouble down the road. Technical indicators like SMA20 above SMA50 and SMA50 above 200 are perfect for finding stocks that are trending upwards over a long-term period. Another good technical indicator for your stock screener is looking at stocks that are close to or near their all-time high. Stocks that are within a few percent of their 52-week highs tend to trend higher.

Bring Everything Together

Since Finviz allows you to search fundamental and technical data within one search, you can find stocks that meet your criteria. You’ll typically be limited to just a few stocks that match your search criteria, which is perfect for day traders and swing traders. Each tab on Finviz holds the relative data, so make sure you’re looking at both the fundamental and technical tabs to get a full picture of how the company is performing. For traders who need to look at IntraDay data, Finviz Elite offers that with real-time search results. The price for Elite can be worth it if you plan to make your money through investment. Finviz data can be divided up into tabs with charts at the forefront, so you can watch the handful of stocks that have been screened for you in real time. Using a stock screener to find picks is the best way to find an undervalued stock that can turn a profit when you trade. You won’t always have success with your stock screener assisted picks, but your success ratio should be higher than your loss ratio if you’re not doing risky investing.

Government negligence pushes Allan Endresz to take drastic measures

Albury’s well-known businessman Allan Endresz has been in a legal battle against the federal government for quite some time. After submitting a colossal damages claim against the ACT Supreme Court and dealing with frozen assets from 1999, Endresz has resorted to drastic measures.

The battle began when one of Endresz’s accountants David Muir – a government consultant, transferred $6 million from a gold mining company, formerly known as Hallmark Gold (now TNG) to another company known as CTC Resources NL, whom Endresz’s parent’s owned.

Later Muir transferred another $2.275 million to Davis Samuel who was in business with Endresz. Muir was later tried and convicted for the embezzlement of $8.275 million. Endresz explains that he had accepted the money from Muir in good faith, as he had no part in the embezzlement and was not aware that the money was not a bona fide investment from the government.

He agrees that the funds should be returned to the government but argues that his affairs were victim to the embezzlement as well.

After nearly two decades of dealing with the government and this lawsuit, Endresz has been pushed to take drastic measures through this legal battle. He hopes to recover AU$60 million through the current court action taking place. This would cover the original grants, as well as interest.

Endresz knows there are things he could’ve done differently to avoid these issues. In hopes that others can avoid finding themselves in his situation, he addressed what he could have done differently.  He says that he “could have engaged more with his advisors/consultants, ensured a higher level of asset protection, cultivated a more strategic business plan and put business processes in place from day one”.

While we wait to hear the outcome of the legal action, all we can do is learn from Endresz’s experience and be more aware of possible government negligence that could take place.

How Your POS System can Save You Money

The cost of running a business can be overwhelming, and many companies close because they are unable to manage these costs. Therefore, reducing these costs can ensure more profits and continuity of your business. Here is how your POS system can save you money:

1. Encourage Email Receipts

In business, you have to take every opportunity available to reduce costs in order to maximize returns. Since paper used for receipts is a business expense, use of a paperless sales process can remove this cost and increase your profits. A great POS system allows for printing and emailing of receipts to clients. In addition to saving the cost of the receipt paper, you will be able to collect emails for your mail list. Even if it is a small expense, it will be significant when quantified in the long run.

2. Pulling Sales Reports for Tax Purposes

Getting accurate sales information from your POS system can help to save money and simplify the tax process. POS systems offer accurate sales data for your tax purposes. The system also differentiates sales tax as well as other non-income fees from overall sales. As opposed to using a lot of time calculating your final sales, you can just get the data from your POS system sales report and know it’s accurate. When gross receipts, returns, and allowances are accurate, you can be confident you are paying correct taxes. Therefore, your POS system will aid you in preventing human errors and avoiding substantial penalties.

3. Check Cost of Goods Sold (COGS) and Gross Profit

Being keen on your COGS and gross profit can save you costs and increase your profits. COGS is the expense of acquiring your inventory. Two items with different prices have different COGS. The cheaper product can be bought in more quantities than the expensive one, offering you the opportunity to make more money. You can also put more focus on the item with a higher gross profit to maximize returns.

4. You Don’t Need an Accountant

A POS system can be used with an integrated accounting solution that offers comprehensive reports. There won’t be a need for hiring an accountant to organize your data and provide financial reports. In addition to cost savings, you will be knowledgeable regarding your business finances.

5. Verify Hourly Sales

Confirming hourly sales can be an excellent way of saving your company money. It is essential to note that a day can be profitable, but some hours can be unprofitable. Some hours such as the first and the last, are usually slow and your business can lose money during those periods. Check these hours in terms of the energy bill and the staff salaries. Then compare with the amount of revenue generated at those times. If you are not making a profit, it would be ideal to open later or close early. In addition to saving money, you will have time savings that you can use for your business or personal tasks.

6. Saving Time and Salaries

Time is money, and your POS saves you both cost and time. A good POS system can count in-store inventory and compare it to warehouse inventory, help to order stock, aid in contacting the vendor, assist in re-ordering goods that are in high demand, and more. This saves personnel time that is used to handle sales and customer service. It also reduces the cost of hiring more employees to perform these tasks.

If you want to maximize your profits by reducing your expenses, then an excellent POS system is the answer to your problem. Get a POS that’s best for your industry and enjoy high cost-savings.

All you need to know about getting a loan in Canada

Financial support can be something you require in various scenarios, for either personal or professional reasons. Once you find yourself in the situation of needing money for a said purpose, you might concern yourself on whether you are viable for a loan or what needs to be done in order to access exactly the monetary advantages you are targeting. As a Canadian citizen, you’ll discover that in the loan department there is a wide range of appealing opportunities available for those who pursue the right steps and are actually aware of the lending possibilities in the country. Because this may be the first time you actually find yourself in the position of needing monetary support, acquiring some insights on the topic might be useful. Here’s everything you need to know, in general, about getting a loan in Canada:


Assess your needs

First comes first – analyse your situation with care and think about your specific needs and requirements. It’s important to have a clear idea in mind on how much money you would need for the intended purpose, so you don’t end up applying for a loan that fails to cover all your future necessities. Do the math, figure out what amount you would manage to make use of, and only when you have a figure in mind, you can start searching for available opportunities. Also, is highly relevant to make a plan on how you would manage monthly payment after receiving financing. Before you decide to request funding, having a proper plan on repayment is essential, so spend some time thinking about this particular detail as well.

Select a loan type

Depending on what you will be using the money for, you can decide on a particular type of loan. In Canada, you have an extensive array of options, so coming across one that ticks off all the boxes will not be difficult. The range varies from personal and payday loans to business, mortgages and even farming and agriculture loans. Once you have already assessed your needs, establishing into which category you fit won’t be difficult at all. The maximum amount access will naturally be higher for business funding, for example, than it would be for just a regular auto financing.

Use the right tools and resources to your advantage – Canada loan directories

With your requirements set straight and the type of loan already chosen, the most difficult part of the process comes and that is actually deciding on a lender. Once you get into the subject, you’ll discover just how many financing companies are on the market, which might seem promising considering it increases your odds of actually having your application approved, but it can also be challenging to decide on the most suitable fit. To manage dealing solely with reputable, top quality lenders and not collaborate with a company that will cause you problems or include hidden clauses in the contract, resort to the right lender comparison tool. Nowadays, you have digital tools – online platforms – that give you the opportunity to effectively compare lenders and what they have to offer. Seek a site of this sort and discover which company would provide you with the most appealing financial product.  It doesn’t matter if you are interested in personal loans in Canada or you are seeking business funding, a proper platform makes pre-application and company selection easy and convenient. Al the work will be basically done for you, you’ll just need to see which lenders meet your criteria and come with the most benefits in your situation. Loan directories have revolutionized how consumers are accessing financial assistance in various situations.

Getting your documents in order

Once you have managed to decide on a company that you think would offer you the most appealing advantages, you’ll need to find out what documents and paperwork are required from your part. Perhaps you have bad credit, and you are demanded to provide more extensive documentation, or the type of loan you want to access comes with increased requirements – contact the lender, discover what your file should contain and get your document in order.


Once you have become familiarized with the subject, have understood what loans are available in Canada, which ones suit your case best and have gathered all the required paperwork and documents you can move on to the final step and that is actually applying to the lender of your choice. Considering the way things have evolved in this department along the years, nowadays, you can even send in your loan application online through the right online platform. You are just a few clicks away from your much needed financial support. The response duration on your sent application could however vary, depending on the how complex that particular type of loan actually is, so while for small, personal loans you may get your money rapidly, for business financing, for example, it might take a bit more time – usually, the higher the amount, the lengthier the entire process.

Getting the financial support you need to meet some of your objectives might seem difficult at first, without you having that much knowledge on the subject, but once you look into the matter and find out what the necessary steps to take are, you’ll discover that the funding you require might be easier to obtain than imagined. Doing your research is the most important part of any loan application, so this is the starting point you’ll need to focus on. Once you know with exactitude what you need and what different lenders have available for you, proceeding with your application will not take you long. Lenders in Canada offer people the financial support they require through different opportunities, so whether you need a personal loan to cover some of your life expenses or you require funding to pursue the goals of your business plan, you can get your hands on proper means of financing fast and easy is you know what needs to be done in this direction.

6 Ways to Pay for Unexpected Home Repairs

Emergency home repairs always pop up at the most inconvenient times – and almost always when you’re already in a financial bind. Coming up with the cash to pay for these repairs can feel daunting, but there are ways to cover to cost of these unexpected repairs. Here’s how:

1. Government Loan Programs

The government offers loans to assist with home repairs. The Limited 203(k) and FHA 203(k) allow borrowers to refinance or purchase property with additional funds for repairs and upgrades.

The Title I Property Improvement Loan program, which is offered by the Department of Housing and Urban Development, can also help with repairs. These loans are FHA-insured and issued by lenders. They’re a great option for homeowners that have little equity in their homes. Loan funds can be used for major repairs or even appliances and other items that will make the home “more livable and useful.”

The U.S. Department of Agriculture also offers a program that can assist with home repairs. The USDA Section 504 Home Repair program assists homeowners with very low incomes in rural areas improve, repair and modernize their homes. Grants are available to homeowners aged 62 and older.

2. Homeowners Insurance Claim

Some homeowner insurance policies also include repair emergencies. Check your policy to see if your insurer offers this coverage.

If your home’s roof, for example, is damaged by a recent storm, the cost to repair or replace it may be partially or completely covered.

3. Use Service Coupons and Financing

If you don’t qualify for a loan or grant program, shop around local service providers to see if any offer coupons or financing. If it’s a major repair, you can often find local companies that offer to finance the work through a third-party lender.

Most providers will have coupons that help reduce the cost of repairs and services. A discount may be all that you need to make the service more affordable.


A home equity line of credit (HELOC) used to be one of the most popular ways homeowners covered the cost of home repairs. These lines of credit allow you to tap into your home’s equity to cover major repairs. Just keep in mind that the loan is backed by your home, so make sure that you can afford to take out this line of credit.

5. Disaster Relief

If the repair is disaster-related, you may be able to get assistance from relief organizations like the Federal Emergency Management Agency (FEMA) or the Red Cross. FEMA will often cover the cost of emergency repairs that homeowner’s insurance policies won’t cover.

These funds are only given for major repairs to restore safe and sanitary conditions.

6. Credit Card

A credit card may be the first thing you consider using when you need to cover emergency repairs. While credit can certainly help get you out of a bind, it should be considered as a last resort. Your available credit may not be enough to get the job done, and a high interest rate can have you paying off the repair for the next decade – or two.

If you can only Spend Marketing Budget on One Thing (Do This)

Knowing how to spend your yearly marketing budget can be difficult. Not only do you have to compare different options including these 5 Crazy Effective Ways To Spend Your 2019 Marketing Budget, but you also need to consider which will have the most significant impact on your business today and years from now.

While there are many options to choose from, if there’s one that you need to consider strongly then it is search engine optimization. Search engine optimization otherwise known as SEO is the process of optimizing your website and your digital presence so that you appear at the top of the search results.

The result of this is that when people search on Google and other search engines, your web pages will appear near the top. As a result, more people are likely to come to your website, where you can market to them and convince them to become customers.

Sounds great, doesn’t it? Plus, while paid traffic and advertising only last for as long as you are paying the cost of the ads, search engine optimization can last for years to come. For this reason, it’s one of the most highly recommended methods of generating traffic among digital marketing experts.

What is SEO?

Search engine optimization is complicated, but it can be distilled down to two separate sections. The first is the content on your website, while the second is your off-website presence. What this means in principle is how often you’re being referenced around the web through links, in practice this means which websites are talking about your company.

Google and the other search engines want to rank the very best content for the users to give them to the most superior experience possible. To achieve this, it’s essential for them to look at the content on your website, to analyze it and to estimate its quality. Doing this is very challenging, which is why they use links from other sites as a rough estimate for the popularity of your pages.

How to Rank Higher

The idea behind this is that the highest quality pages will get the most links from other trust worth pages which is why Google chooses to rank the highest. To benefit from this, your companies should want to spend money wisely on content for your website including articles, sales pages, and blog posts.

Similarly, you need to invest in public relations and digital marketing so that your company can have a greater media presence. By doing this, you’ll ensure that more websites are linking back to your site which Google will treat as a quality signal, therefore improving your rankings.

Why SEO is Superior

Studies suggest that over 90% of people who use the web find websites through search engines. For this reason, it’s the most critical marketing tactic in the entire world. If you’re not using search engine optimization, then it’s very challenging for new potential customers to find your business. SEO can be thought of like the modern-day Yellow Pages, and without it, your company is falling behind your competitors.

While ten years ago it could have been considered a nice to have marketing tactic, today it’s the bare minimum that you need to run a company. Without it, you will be forced to rely on word-of-mouth marketing and referrals to generate new customers, which are far less reliable and effective methods than SEO.

The reason why search engine optimization is the one thing that you should do if you had to pick any single marketing tactic, is because it utilizes Google and other search engines which are the most popular websites in the entire world. While a large percentage of the adult population uses social media networks like Facebook and Instagram, almost everybody uses search engines.

For this reason, search engine optimization is the superior tactic when compared to social media marketing. Similarly, paid traffic such as Google ads is an effective way for you to increase brand awareness, but it’s costly and only delivers results while you continue to pour more money into the system.

Search engine optimization is a true investment because it continues to payback long after you stop investing in it. The same cannot be said for other marketing tactics, and therefore if you were to pick one, the logical option would be search engine optimization. Many experts believe that it is the most cost-effective solution for small businesses to generate new leads while simultaneously expanding brand awareness, which is why it’s becoming a more popular tactic than ever before.

Personal Finance Habits that will Make Difference in Long Term

Personal finance is not only about earning more than you spend. Staying out of debt is a just a small part, but it also includes investments, retirement plans, insurance of self and assets, child education fund and much more. Learn a few smart things you can do with your finances now to help you in the long run.

Maintain an Emergency Fund:

Life is uncertain. There is a high possibility to incur unexpected expenditures. Living pay-check to pay-check is not a smart move. Create an emergency fund and put some money in it every month for the rainy days. This will also give you a peace of mind and avoid problems during emergencies to avoid any debt.  Resist the urge to tap the emergency fund for non-emergency expenditures.

It is a good practice to maintain an emergency fund which contains three to six months of living expenses in the bank.

Avoid Becoming a Defaulter:

Always keep your credit score in check. Credit score may affect your ability to get a loan or the interest rate you may receive. To improve your credit score, do not become a defaulter,pay all your loans and credit card bills timely.

Clear all Debts:

One of the smartest things you can do to improve your finances is to clear yourself from all debts. Pay all your credit card bills and any loan which you may have taken. Avoid late payments fees and interest which you may have to pay extra. The faster you get out of debt, the better.

Plan Your Retirement:

There might be a point in your late life when you would not want to work anymore. Certain professions have a set retirement age as well. It is very important to plan a retirement fund separately to avoid having to work in old age.

Save Early for Kids:

One of the major expenditures occur in educating the kids. Instead of venting out all your savings in the education, start maintaining a separate savings account for the child from the time he/she is born. Save little every month. You will not even miss that money now but, in future, the accumulated money would help you a lot and refrain you from tapping your emergency funds.

Learn to Save Money:

Start to become street smart. Be alert and find out where you can get best offers and deal for any purchase. If it can wait, shop during the sale season. If you are buying a new car, go into a dealership store and negotiate a good deal for the car. Further, you can sell your old cars for cash and use that as a capital to buy the new car.

Get Sufficient Insurance:

There are a few unavoidable, expensive expenditures which may arise anytime without any warning. It is better to get yourself insured beforehand. Certain insurances you should consider getting are

  • Health Insurance
  • Life Insurance
  • Renters/ Homeowners Insurance
  • Vehicle Insurance

Also, make sure to insure every member of your family to avoid expensive expenditures in the future.

Start Saving Early:

When you start saving in your 20s, you do not require to save a huge amount every month and by the time you retire, you will have enough money. Start planning your finances well in advance

It is never too late to plan your finances but the sooner you start, the more financially sound you will be.

3 Things to Look at When You’re House Hunting

House hunting can be an exciting experience, but it’s also one of the most stressful things you’ll do. After all, buying a property isn’t something you do every other week – it’s a huge investment and something you’ll have to live with for years to come. If you’re concerned that you don’t know enough about the real-estate market to make an informed decision going forward, you’ve come to the right place. Here we’re going to look at a few of the things you need to look at when you’re house hunting, so you don’t get stuck on the superficial details like the color of the paint, or the furniture in your living room.


Location is probably the most important thing you can examine when it comes to making real estate choices. After all, while you can change the way your home is decorated, and you can add extra rooms if necessary, you can’t just pick your house up and move it to another part of Canada if you get tired of the view. Knowing exactly where you want to live in advance will help you to narrow down your choices a lot faster, as you’ll be able to browse listings of Toronto condos by neighborhoods, rather than just visiting every home in your price range. Remember to think about how close your new home will be to work, and any other amenities you need, like a school for the kids!

Size and Floorplan

Finding the ideal home can sometimes feel like a bit of a balancing act. You need to find a property that fits with your budget, but you also need something that’s big enough both for your current family, and the family you plan on having in the future. Think as practically as you can about things like size and space. For instance, you probably don’t need two bathrooms if you live alone. However, you can’t get by with two bedrooms if you have four kids. At the same time, don’t get carried away with the dream of having a bigger home. While a larger space does give you more room to play with, you will have to pay more for things like electricity, heating, and of course, your overall mortgage expenses.

Resale Value

Finally, even if you adore your new home and you’re planning on staying in it for as long as possible, there’s a good chance that you will want to sell it someday. With that in mind, it’s important to ensure that your property has plenty of resale value. Consider looking into the amenities being built in the local area that might add additional value to your property. Alternatively, you can also think about asking your real estate agent for insights into what kind of prices other homes have sold for in the area. Remember, buyers often look for plenty of light and plenty of storage when they buy a new home. With that in mind, it’s a good idea to look for as much of these two things as possible when you’re buying your new property. This should increase your chances of a quick sale later on.


Understanding Risk: Investing in Junior Mining Companies

There are many lessons to be learned from investing in the mining sector. First, it’s inherently risky and many companies will disappear before mining a single ounce of base or precious metals. But it’s also an attractive sector for those willing to take chances and put in the work. Here are a few things I have learned over the years.


Do Your Research


Don’t go on a blind faith tip or even a rising stock price. Research the exploration project or mine you are interested in thoroughly and find out what others aren’t seeing before you put in a penny. There’s always something new to discover in a deep dive.


Find The Right Price


One of my last acts before leaving the position of president and CEO of Cornerstone Capital Resources in 2011 was to acquire the Cascabel project in Ecuador at a very early stage. At the time, it was believed to be a future source of gold and copper, but there was no proof. So the price was right. I got a bit lucky with Cascabel, as exploration has since revealed it as one of the largest gold-copper undeveloped mineral deposits in the world. But that was because I had done my research before making an offer.


Know When to Exit


Cornerstone was a small company and we needed help to get the Cascabel project up and running. I knew it would take years and hundreds of millions of dollars. So, making sure I left the company in solid financial shape, I turned it over to Brooke Macdonald, who remains CEO to this day.


The Truth About Cascabel


The Cascabel mine has gained the attention of BHP Billiton and Newcrest Mining, two of the largest mining companies in the world. They both have bought shares of SolGold, Cornerstone’s partner in the project. SolGold has the right to earn 85% of Cascabel by funding all exploration costs through to the completion of a bankable feasibility study. Cornerstone has the other 15% interest plus it owns about 10% of SolGold, effectively owning 23% of Cascabel. That’s one of the reasons I was happy to increase my already significant stake as a Cornerstone shareholder when the opportunity presented itself in 2016.


Although it was a risk to invest in a gold and copper early stage projects in Ecuador, the potential rewards were, and still are, tremendous. Even today, with all signs pointing to a positive outcome, Cascabel is still at the exploration stage. There’s a long way to go before the mine will see a profit. If you’re looking for quick and easy returns, the junior mining sector isn’t for you. But if you like doing research and have lots of patience, the risks can pay off in the long term.


Along the way, as a general rule, I sell enough shares to recover my original investment plus pay taxes on capital gains and then leave the balance of the investment until it hits my target price at which time I sell. Cornerstone has not yet hit my target price. However, I’m optimistic that it will within the next 12-24 months.

The Cost Of Your Car: 4 Ways To Save Money On Repairs

The Cost Of Your Car: 4 Ways To Save Money On Repairs

For many people, having a car isn’t just about convenience – it’s a matter of necessity. In particular, in areas where there isn’t sufficient public transit, having a car can be the only way to get to work, to buy groceries, or get to the doctor. The problem is that owning a car means budgeting for all those added expenses, including gas, insurance, maintenance, and repairs and that can add up fast. Luckily, these four tips can help you save on repairs and put a cap on excess costs.

Know Your Mechanic

Just as you always want to have a good relationship with your automotive dealer so that you know you’re getting the best rate on your car’s financing, one of the most important things you can do to save on repairs is to build a relationship with your mechanic. That one-on-one relationship is important because, while any certified mechanic can perform repairs, they may not do it honestly or at a fair price, and an unfamiliar mechanic certainly won’t offer you special deals. A trusted mechanic, on the other hand, will provide special insight into the repair process, even when it may not be in their best interest. They want to work with you to care for your car.

Be Weather-Ready

One of the most common causes of car problems is exposure to the elements; it’s why people with nice cars prefer to park them in a garage. If you want to save big money on repairs, then, covering it up is a good first step. For those who don’t have access to a garage, even using a portable garage to shelter your vehicle can help. It will also help reduce the amount of time you spend scraping snow and ice off your car.

Of course, if you don’t have anywhere to set up a portable garage, the most important thing you can do is clean off any ice, snow, and salt that’s accumulated on your car. These can cause or worsen rust, causing major problems with the undercarriage of your car, never mind cosmetic damage.

Do Your Research

YouTube, AutomotiveForums, and other online platforms are powerful tools for any car owner, and much of the time they have all the information you need to complete a repair yourself. Before you head to the shop, then, search online for information about the problem. Even if you can’t perform the fix yourself, you’ll be better informed when you get to the shop, and that can help you get a better deal.

Consider Used Parts

There’s an extensive market in used car parts for most popular models, especially if you drive a slightly older make of vehicle. When you first head into the mechanic, though, they won’t normally offer you used parts, but you should ask about them. Used car parts can save you a lot of money, but they work just as well as new and have to be carefully vetted before they’re put up for resale. Why pay good money for a new car steering wheel or air conditioner when a used piece works just as well?

You need to take good care of your car, including investing in maintenance, if you want to get the most out of it, but that doesn’t mean spending indiscriminately. Rather, by building a good relationship with your mechanic and spending smarter on your vehicle’s needs, you can extend its lifespan and ultimately keep costs down.