The Process Of Making An IPO In Canada

By Adriana Noton

Every business owner wants to see their company develop and thrive for years. Taking your business public, or making an Initial Public Offering (IPO), is an essential step to growing your business. Going public is the process of offering new equity such as stocks, shares, trust units, partnership units, etc. Whatever your reasons for going public, there is a process that must be followed before the company can actually go public.

The following is the general process of making an IPO Canada:

1. IPO Preparation: You will be required to have a solid and detailed business plan. It will be helpful when creating the prospectus. A prospectus is a document that gives all of the information that investors require to make an informed investment decision. It will contain such information as financial data and information about the company including its history, future prospects, employee salaries, legal fees, any risks, and other relevant information. It is important to be aware that there will be costs associated with going public. As well, when you prepare the prospectus, you will have to assess pros and cons of going public to determine if it is a worthwhile venture.

2. Develop an Action Plan: Once you have a business plan, you will know what you must have in order to go public. Your financial statements must be in order and current. You must have an expert to advise you on any required management restructuring. You should also have created an IPO advisory group to help with establishing business relationships and marketing strategies.

3. Undergoing Due Diligence: This is when the underwriters and their lawyers perform a methodical examination of all areas of the company. It usually takes about 60 days to complete. The underwriters' lawyers will ask for any relevant business documents and provide a questionnaire for the company's directors and officers. There will also be meetings to ask questions.

4. Building a Public Profile: You will have to generate public interest in your company in order to attract investors. You should develop solid business relationships with your advisors to create a professional and credible reputation. Your IPO team of professionals and your chief underwriter will make presentations to the business and investment community. It normally consists of traveling to a number of key cities. During this time, a solid market strategy is essential.

5. Market Pricing: The underwriters will monitor market conditions and experiment with market pricing. As well, the underwriters will normally suggest the final price and offering size. It is important to remember that the biggest cost during a public offering is the underwriters' fees expenses associated with the offering.

The final process of making an IPO Canada is making sure your company appears to be a professional and competently run business. You have to make sure the authority structure is in place and the employees and investors understand the structure. Preparing for an IPO takes a lot of thought, assessment, and planning. By understanding what the process entails, you will have a much smoother private to public transition. - 32383

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For more information about making an IPO Canada, be sure to consult with the professionals. There are many things to consider on IPO How properly and legally.

Where To Sell Your Gold Coins And Jewelry

By Norman Littlejohn

Many people have gold jewelry that they haven't worn in years (if ever). Others have coins that are collecting dust at the bottom of a dresser drawer, in a garage, or in storage. Some of the pieces may have accumulated as gifts. Others may have found their way into collections as minor inheritances. Still others may have been purchased long ago during a weak moment of shopping. These items can be quickly sold for cash. The question is, where can you sell them?

Depending on the types of gold pieces you own, there are several outlets that may potentially buy them. In this article, we'll provide an overview of the most popular places. Keep in mind that not all "popular" places make the best buyers. You'll discover the reason below.

Jewelers And Coin Dealers

Jewelers and coin dealers are always on the lookout for attractive and valuable pieces they can sell to their customers. If you own gold jewelry or coins that are in fantastic condition, you may be able to convince them to buy them from you. On the other hand, if your items are in poor condition, you're unlikely to have much luck.

One side note about jewelers and coin dealers: They may offer to buy your items for a very low price. The reason is because they want to "flip" them as scrap gold. In effect, they're brokering the transaction and taking a commission. You would do better to sell your items yourself.

Pawn Shops And Garage Sales

If your jewelry and coins are in poor condition, the style is unappealing, or you simply don't want the hassle of finding a dealer, you can take them to a pawnshop. The price you'll be offered for them will likely be lower than you consider fair. That's because the pawnshop owner needs to make a profit by selling your pieces to his customers. His customers are not likely to pay a high price for them.

Garage sales are another option. If you have items in your home that you would like to sell, you can organize a garage sale and tempt visitors with your gold jewelry and coins. Or, visit other people who are having their own garage sales. They might find your gold items irresistible and believe they can sell them.

Selling Your Items Online

There are many online gold buyers who are willing to examine your pieces and make a fair quote. The entire transaction is conducted by mail. Keep in mind, some function entirely as brokers. Once you agree to sell them your items, they'll take ownership and sell them to scrap buyers. The difference between the price they pay you and the price they receive represents their profit. If possible, try to work with online buyers who operate their own refineries. That's a sign that they are not a broker, and will likely offer a higher price.

If you're in need of money, look through your dresser drawers, garage, and attic. You may discover that you own a small collection of gold jewelry and coins that you can quickly convert to cash. - 32383

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The best online resource to sell gold jewelry or sell coins can be found at refinity.com

Auto Insurance - What Factors Affects An Auto Insurance Quote?

By Mike Adams

Any time you purchase auto insurance, the agent will begin by giving you an auto insurance quote. This is an estimate of what you will pay for the insurance policy for the next term. The term of the policy is for six or twelve months. Many times the price of the policy can be broken down into monthly payments.

Whenever you give your information to an insurance agent, whether is be online, by the phone or in person, the agent will enter that information into a computer which is connected to the company that he represents. If the agent is an independent agent, he may represent several independent auto insurance companies. An independent agent insurance agent may seek quotes from several companies in otder to offer you the best rates.

Remember that the number given is a quote, your actual policy could cost more or less. The fact that agents are now online with the companies they represent makes the quotes much closer to the actual price you were quoted. If you have been very careful with your use of the automobile, you can save a lot of money over the life of only one vehicle.

What factors affect the price that you pay for auto insurance?

Your age is a large factor in the price you pay for insurance. If you are under twenty-five years of age you will pay more for insurance that someone with the same driving record as you who is forty-five. Part of the reason for this is that you are more likely to be involved in an accident than someone who is forty-five, simply because you lace his experience. In addition, if you are a male under twenty five, you will pay more than a female under twenty-five. Statistically, males under twenty-five have more accidents.

You will even pay more for insurance if you have allowed your policy to lapse for more than thirty days.

While insurance can be expensive, careful driving within the limits of the law can keep your auto insurance quote low. Defensive driving will save you money in the long run. - 32383

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Need an online auto insurance quote? Go to clicksmore.com to get a completely free quote!

The Christian Grants For Individuals - Promotion of Togetherness

By Veronica Carrillo

There are lots of great church fundraising ideas. Churches are particularly well suited for fundraisers that utilize and help grow a church's existing sense of community. Here are some examples of church fundraisers that can help your church raise money:

Some fund raising firms require that you buy an opening inventory or commit to a minimum financial amount before the program is entered into. A risk of buying inventory is that you may not sell what is ordered or your customer may cancel. A risk of committing to a minimal financial amount is that if you don't meet the minimum, you'll have to make up the difference out your own pocket. This is not to suggest that you won't be successful by entering into one of these programs, but they are risks that are sometimes ignored.

Another factor that needs to be upfront in your mind when contemplating a fund raiser is how much money will you make from your efforts. Low margin items are almost a waste of time and effort to promote because they will only deliver 25 or 40% profit from each sale. And be careful of percentages, because what you really want are dollars. Again, there is little value in selling an item that give 40% profit, but only sells for a couple of dollars.

The opportunity to get bequests is nearly unlimited. About 80% of people in the United States give annually to charities while less than 3% leave a bequest. Your nonprofit has an untapped potential in the form of your current annual or major donors from which to solicit bequests.

Board Game Tournament - This church fundraising idea is largely self explanatory, but there are some details that should not be overlooked. It is best to pick board games that are quick (most aren't, of course); you do not want to be there all night (unless you are holding a board game marathon fundraiser, in which case you do). Also, the games should be fun to watch.

Creating a bequest program is simple. Once your board approves the establishment of a bequest program, you can begin advertising this in your newsletter, on your web site, and in every promotional piece you produce. That is all you need to do until some one dies and you actually receive the money. Then, it is up to your nonprofit to ensure that the bequest is used according to the wishes of the donor. It may take years before your nonprofit actually receives its first bequest. However, since it takes so little time and effort to establish and support a bequest program, is there any reason why your board wouldn't establish one? - 32383

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There Be A Monster In That There Lake!

By LJ James

Ronky The Monster Of Lake Ronkonkoma New York

It was a Sunday in Summer of 2009 went I first saw Ronky with my own eyes. I had heard stories of Ronky here and there, They had come to me in Whispers really.The History of Ronky has been a well kept secret for Hundreds maybe Thousands of years. I had spent weeks watching this lake in Lake Ronkonkoma on Long Island in New York State. This day I was driving around going past one of the many Parks and Beaches around the lake. While I was going North on Lake Shore Road I saw something in the water out of the corner of my eye, but after weeks of watching this lake I thought it was just someone out on another blow up raft and didn't really think much of it !

As I was passing the Dinning Hall "Windows on the Lake" there is an opening where Guests can get a good look at the lake. I looked over and I saw what I had though to be a raft a few seconds before was the creature. I though to myself this could just be another hoax! After years of searches and hunts leading to nothing but dead ends I was not going to get my hopes up to fast. I slowed down and watched as the Creature swam around the lake enjoying itself! I was a little scared but at the same time I could not stop myself from smiling thinking this was really it!

I drove around the lake following along with "Ronky" at some point I pulled into a parking lot and walked onto one of the beaches. I slowly got my Camera out fearing as soon as I went to take the picture the creature would disappear. I snapped a shot, checked it in the review mode of the Camera and I could not believe I had captured a perfect shot of the Creature that no one could dispute the authenticity of ! When I looked back at the Lake Ronky was gone.

Over the next few days I carefully started asking the locals in the area if they had ever seen something weird in the Lake? It seems that to everyone in Lake Ronkonkoma Ronky is well known. He is not a myth or urban legend here. He is just another Member of the Village! I have been told there are two Differences between Nessie in Scotland's Loch ness and Ronky in New York's Lake Ronkonkoma. One Ronky is real and Two Ronky is protected by the Locals and his name is not defiled for tourist money.

There are many stories of Ronky that go back Hundreds of years. The one I found most interesting was a story that happened about 15 years ago. It seems there was an expedition sent to look into and map the depths and some underwater streams under Lake Ronkonkoma. This expedition never happened. The Official Story given was the expedition ran out of Money and was going to come back when they got more funds. I was told by an old time resident that wishes her Identity to remain a secret that the real story is a group called the "Keepers of the Lake" told the expiation in no uncertain terms it would be in their best interested for them to leave and not come back!!!

The people of Lake Ronkonkoma have kept this Monster Ronky loved and Protected for many years! I respect and sympathize with them,but I have spent my adult life and most of my families fortune searching for a creature like Ronky.This is my job and I must share this with the world. I have received many threats not to print this story! I have posted it here to go out to these newsgroups if I do not reset the settings at least once a week. If you are reading this there is a good chance something has happen to me. Please do not let what I have spent my life hunting for go unheard of ! Ronky is there in that Lake!

By Lawrence Jamison http://www.lakeronkonkomacivic.org - 32383

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Lawrence Jamison has been seeking out Lake Monsters for years . Lawrence Jamison love the fact that the folks of Ronkonkoma have hidden Ronky rather then use him for Tourism

How Do You Get Scholarship Grants or Financial Aid?

By Owen Jones

What is the real cost of a college education and is there a financing scheme available? Well, lets face reality - a college education is very expensive, causing a lot of parents to do a double take when their children are looking at attending a community college or a state university.

There are a lot of things that make up the total cost of a college education and the tuition fees are just a part of the big picture of getting into college. Common, everyday expenditures include food, transportation, housing, spending money and other sundry costs, which, when added up can be a large part when financing a college education.

These days, many families, even those belonging to the upper class, consider applying for financial assistance. College grants and scholarships are a very good method of financial assistance. Grant and scholarship programmes do not ask the students or even their families to repay the monies given.

These scholarships are of two kinds: (1) these scholarships are given according to financial need, and are given depending on the financial inability of the student and their families as a whole to pay for the education, and (2) scholarships based on merit, for example the talent of the student in sports is the main consideration. A students academic ability falls under the merit-based college grant and scholarship system too.

Often, college grants and scholarships combine the merit and need criteria to make the whole financial aid process easier. Many students and their families are on the look-out for this kind of financial aid. However, college grants and scholarships are quite limited in number despite the fact that there is an ever increasing number of aspiring students year after year.

Qualifying students can get into federal and a number of state scholarship programs. Some of which are the following:

Federal or National Pell Grants " this is a program, available nationwide, which is meant to provide financial assistance to qualified undergraduate learner following post-secondary schooling. Grants and scholarships of this type are given to students who have not yet finished a baccalaureate degree.

The worth of the grant can vary year after year and will depend a lot on the financial needs of the student, the expenses that will be incurred whilst attending the chosen university or college, and the availability of funds from the national government. This sort of grant will create an opportunity for students to succeed in securing financial aid from the national government.

Federal Supplemental Educational Opportunity Grant (FSEOG) " this is a programme for ongoing undergraduate students with exceptional monetary needs. However, not all students qualify for this type of grant. It will depend on the eligibility of the student and the amount of funds at the school in question.

Another form of financial assistance that students and families can get is student loans. However, this form of financial assistance must be paid back. The financial requirements of the family must be considered thoroughly to avoid paying very high interest rates.

It is also a must to learn all the terms of the lending agency such as the schedule of repayment and interest rates, before making a commitment.

Work study is yet another form of financial aid which requires students to work to keep themselves during their college education. Work study is usually carried out on college campus and is the most typical form of financial aid in all of the universities and colleges in the USA. Typically, students will render service to schools for 10-15 hours per week.

Scholarships, grants and other forms of financial aid to acquire a college education is really multi-faceted, confusing at times, and even down-right exasperating. However, the good thing is that a college education is a non-refundable and non-toxic sort of investment in the student's future! - 32383

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If you require information on being awarded financial aid or college scholarships then you really should go along to our website on College Scholarships

Donating Cars To Charity

By Mark Walters

Donating cars to charities is something that has been done for well over a decade now, but it is still not as widely popular as it ideally should be.

Making a car donation is both a kind and a rewarding thing to do. Your car may seem like one that is practically worthless but, as long as it is roadworthy, or just needs a little work to make it so, it can be of great benefit to other people if it is donated to charity.

Different charitable organizations do different things when you donate your car to charity, but there are three main options that will generally be available to the charity when a car is donated - all have substantial benefits.

To start with, a charity may decide to auction any cars that they receive as donations and invest the money that is received into the organization to help further develop any programs that they may currently be running. This option is particularly useful when a charity offers aid to a range of different people, as it means that everyone who is helped by the charity can benefit from the sale of a car. Auction houses generally waive their fees for donated cars, and buyers are willing to pay a little extra, and so the final amount that goes to charity would be significantly more than they would get if you auctioned off the car yourself and just gave the money to a charity.

An alternative option is for charities to use donated cars to help them carry out their good work. So long as a car can still get someone from A to B then many people can benefit from it. Whether it be taking old or disabled people on trips or on their weekly shopping, or for taking them back and forth to hospital, there will always be a need for more transport in charitable organizations.

The final option that is available is less common, but useful nonetheless. If a donated car is not able to be fixed and brought back to a working and safe standard, most charities will pass it onto one of the many car recycling schemes that are available all over the country. In this case, there may not be high monetary benefits, though they will still be substantial enough to make a difference to others' lives, but you will have the satisfaction of knowing the car is not sitting in a junkyard, and any useful materials will be reclaimed from the vehicle.

A charity will normally tell you what they plan to do with your car and, most importantly, how exactly your donation will be used. If, for one reason or another, you are not happy or enthusiastic about their plans, you can just tell them so and contact a different charity instead. It is your car, so feel free to spend some time making sure it goes to the place where you feel it will be best put to use.

So, should you happen to have a car that you feel you can do without, and you would like to make a real, positive difference to the lives of some people that are in need of a car, and would greatly appreciate it, then please put a little time and effort into donating your car to charity. - 32383

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