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Microcap & Penny Stocks : ACRT about to move to new highs -- Ignore unavailable to you. Want to Upgrade?

To: Jonathan Cleveland who wrote (1059)	1/2/1998 1:11:00 AM
From: DAVID C. DeANGELIS	Respond to of 7054

I second Jonathan's comments, facts are facts & BS is BS and you are full of it. Read the patent allowance moron, Gee whats that for?

To: Jonathan Cleveland who wrote (1059)	1/2/1998 2:10:00 AM
From: DAVID C. DeANGELIS	Read Replies (1) \| Respond to of 7054

some additional info. on ACRT, READ IT ALL PINK The P.E. should be 100, not 70, because e.p.s. is going to start growing at 150% for the next few quarters. TAD's will accelerate and become a larger % of total rev. In reference to a comment about financial institutions having PE's of 10-20, how many financial institions do you know that have a return on assets of 18.5% and growing? Most have 1.50% ROA if they're good. This isn't a typical financial institution, and shouldn't be valued like one. 1.5% monthly is what ACRT charges, which works out to 19.56% compounded per year. By comparison, the cost of tying up valuable working capital for an extra 84 days (the average TAD length) and having to pay people to try to collect the money is much higher. Companies, whether high margin or not, will actually SAVE money by paying 19.56% compounded on a TAD. That's the beauty of the whole thing. They will show HIGHER profits because of better cash flow management. Any basic finance course will teach you that the cost of tying up working capital is astronomical. Since the company instituted 100% immediate payments on the TADs last week, it has already seen huge interest from large corporations. ACRT now has 20 reps (compared with 5 last year) and they are scrambling to hire more because there is too much business. So, yes, it is an easy sell because there is a huge need for this service. There is indeed very strong patent protection on Actrade's method of processing TADs. They have developed a proprietary way of doing them that saves a lot of time and headaches for everyone involved. Without this process, TADs are not going to be cost effective in the U.S. compared with other method of financing receivables, like factoring. For this reason, ACRT still has no competition and probably won't for a while to come. In fact, the only way they will have competition is if someone can figure out a different way to process the TADs that is more effective, and even then the competitors won't be able to automatically debit by computer from the customer's bank account because ACRT has patented this process. Get a copy of the patent, It's an amazing thing - they truly have no competition and truly are covered by a patent for this method of processing TADs, which is by far the most efficient, cost effective way anyone has figured out to process them. Sounds almost unbelievable, I know, but true. I'm definitely holding on to my shares. Anyone shorting this stock is in for a bad time Do your homework. If you're shorting, you're gonna lose a bundle.

To: Jonathan Cleveland who wrote (1059)	1/2/1998 9:28:00 AM
From: Mr. Pink	Respond to of 7054

Mr. Cleveland: Mr. pink is not accostomed to being addressed in such a manner. If you wish to address Him please begin your note: "Mr. Pink", not with an expletive. As a matter of fact the TAD business does not make any money, a fact that management will freely admit. It is explained that the build-up of the sales force is the reason for this. Mr. pink is not convinced. It is true that they have a patent. But there are many other ways around the "proprietary" method they employ. Mr. Cleveland, Mr. pink suggests you relax, try deep breathing exercises. Have you tried yoga? The mental and physical health benefits are extraordinary. Best wishes and try to control your blood pressure. Blissfully, DR. PINK