Many investors may not be aware that there are two basic types of pharmaceutical products on the market. Chemical Pharmaceuticals are the types that people usually see created from basic chemical compounds. Biopharmaceuticals are created from proteins produced by living organisms that have medical or diagnostic uses. Generally, these are complex macromolecules derived from recombinant DNA technology, cell fusion, or processes involving genetic manipulation.

These studies are no longer the work of science fiction! Protein-based therapeutics is the newest class of compounds being developed in the drug industry, with an estimated 50 coming to market over the next few years, 140 already approved and an additional 500 in clinical trials. These proteins have been found to outperform their chemical peers when solving complex problems. After all, it is DNA that controls the body's actions- it's simply a matter of correcting the problems in the double-helix.

Recombinant protein drugs have three key advantages over traditional chemical pharmaceuticals: safety, cost and efficacy. Since the protein drugs are built from human components, they have a built in safety factor, while the process for developing these drugs is extremely quality controlled. The fact that they drugs are produced from human components also reduces the cost and increases the efficacy of the process. All in all, there are many key advantages from a financial prospective.

China is currently the largest player in the biopharmaceutical industry. Currently, the country produces eight of the world's top 10 genetically engineered drugs or vaccines. Revenues from biopharmaceuticals in China are expected to grow from $4.5 billion in 2005 at a rate of 20% to 30% annually over the next couple decades. The factors influencing this growth are a talented, but cheap, labor pool, the development of a FDA equivalent (SFDA), and the governments efforts to expand IP rights.

So, how can you benefit as an investor? One of the fastest growing and most innovative companies in this sector is a company called Sinobiomed Inc. (OTC: SOBM). The company uses human proteins, or molecules that mimic or block them, to find new ways to treat disease. The process involves removing the DNA from one organism and placing it into a new organism that reproduces to make proteins of potential therapeutic value.

Drugs developed from this process can help solve many of the world's problems while also helping shareholders to profit handsomely. The potential uses for these proteins include: Hepatitis B&C, surgical bleeding, diabetic ulcers and burns, malaria, cancer, rheumatoid arthritis, blood cell regeneration following radio-chemotherapy for malignant tumors, acute liver disease, stroke, blood clots and thrombosis, acute pancreatitis and much more.

Investors looking for more information on this industry as well as Sinobiomed can check out their website at Sinobiomed.com. The company's stock is listed on the OTC-BB exchange under the ticker symbol SOBM.

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Visa Inc. (NYSE: V) shares might not be such a bad deal after the company revealed that it was considering returning cash to shareholders. The credit card company noted at the Lehman Brothers Global Financial Services Conference this morning that it fully expects to return excess cash to shareholders through dividends and repurchases. The company said that such repurchases would be initiated as early as the first quarter of 2009.

Shares of Visa have been beaten off of their 52-week highs despite a strong rise in earnings last quarter. The firm has since raised the fees on transactions using its cards as investors grow concerned about a slowing economy. However, strong positioning internationally combined with an increasing number of consumers using credit cards could help the firm overcome these concerns and profit handsomely despite a declining economic environment.

Unlike rival American Express, Visa does not have to worry about covering losses associated with its credit cards. Rather, it is the member banks that take on all of the lending risk while Visa steps back and collects fees each time its card is used. As a result, the only thing that could drop this stock is a decline in credit card usage. Fortunately, this is a tough environment for many consumers and they are in increasing need of small loans via credit card.

So, is Visa a buy right now? Well, the rise in transaction fees in August should help generate more cash. The company plans on using this cash to prop up its share price by repurchasing shares. Historically, this has helped to reduce the number of outstanding shares, boost its earnings per share, and force a revaluation of its earnings multiple. Ideally, this results in a higher share price for investors as they again see the strong growth in this segment.

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Google Inc. (NDAQ: GOOG) released the beta version of its Chrome web browser last week that will compete directly with market leader Internet Explorer 7, FireFox 3, and Safari 3 browsers. The search giant's latest project is seen by many reviewers as being simpler, faster, and less prone to crashing. The question now is: How will this new browser affect the search giant's bottom line.

When it comes to numbers, Google makes the lionshare of its profits from search advertising. Its Google AdWords program generates more than 95% of the company's revenues, helped by peer publishing via Google AdSense. Moreover, the vast majority of Google's side projects not only lose money, but also do not generate any substantial website traffic.

Many experts see Chrome as not only a web browser, but an effort to take control of Windows users via their most-used application. FireFox's quick market share move against Internet Explorer has already shown that Microsoft can be beaten. Now, with a huge public corporation behind it, many are hoping that Google can do more to take further market share.

So, while the new web browser will do little to impact Google's bottom line right now, it may help them further solidify their lead in search while also moving users out of Microsoft's arms and into theirs. This makes Chrome a new technology that is definitely worth a second look- both for investors and internet users.

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