Posts Tagged investors
How to Make Money Fast – Forex Trading
Posted by admin in Uncategorized on March 13, 2012
How to make Money fast – Forex Trading
While trying to learn how to make money fast online, I learnt about Forex trading. I spent a lot of my time to research to know what Forex trading is and how it worked. I learnt many interesting things and I was surprised to learn a Forex trader can trade in any Forex market from anywhere in the world without having to be physically present in the real market.
I realized that during the early days of Forex trading, investors were required to be physically present in the market if they wanted to trade. Many investors found this aspect of Forex trading to be very discouraging. It simply meant that they would have missed many opportunities as they couldn’t be present in the market when the right opportunity was available.
Fortunately, with the coming of the Internet, you need not necessarily be present in the market for Forex trading. With just a computer and an Internet connection, you can trade from the comforts of your home.
BALTIMORE, March 8, 2012: Most Younger Investors Don't Believe They Will Have Enough Money for Retirement, T. Rowe Price IRA Survey Finds
Posted by admin in Uncategorized on March 9, 2012
BALTIMORE, March 8, 2012 — /PRNewswire/ — new research from T. Rowe Price (NASDAQ-GS: TROW) shows that only 39% of investors between the ages of 21-50 are confident that they will have enough money for retirement. And despite understanding the importance of planning for retirement, most (63%) of these younger investors have yet to develop a detailed plan for their finances in retirement. Those who have a detailed plan, however, feel significantly more confident about their retirement readiness, with 58% believing they will have enough money for retirement.
These findings are highlighted in a T. Rowe Price survey about Individual Retirement Accounts (IRAs) and the investing practices of Generation X (ages 35-50 for the purposes of this research) and Generation Y (ages 21-34). the study was conducted online in December 2011 by Harris Interactive on behalf of T. Rowe Price among 860 adults aged 21-50 who have at least one investment account.
“This research underscores the fact that many more young investors need to get started planning for their retirement, even though the date may be decades away,” said Christine Fahlund, senior financial planner with T. Rowe Price. “The study also demonstrates the important financial and psychological benefits of having a detailed savings and investment plan. whether they do it on their own by using planning tools or by working with an advisor, the earlier investors begin saving, the more years their assets will be able to compound and potentially grow. a plan should not only help investors feel more secure about their retirement, but it should also provide more flexibility with their future lifestyle because their portfolios are likely to be larger,” she added.
Looking at some of the components a detailed plan might include, 77% of those who have a plan said that it targets an anticipated monthly budget; 84% cited having a specific monthly withdrawal strategy; and 78% said their plan considers life expectancy and how long their savings might need to last.
Turning to their anticipated finances in retirement, Generation X and Generation Y investors said they expect to receive income from multiple sources, most commonly:
- 401(k)s or other workplace retirement plans, 74%.
- IRAs, 65%.
- Non-retirement accounts (e.g., checking, savings, stocks, bonds, mutual funds), 64%.
In addition, 63% of investors aged 50 and under anticipate receiving Social Security. “Younger investors’ confidence in the Social Security system was surprisingly positive,” Ms. Fahlund said. “Still, it shouldn’t be relied upon too heavily. Investors need to consider it as only one source of retirement income and make sure they are contributing to their retirement through other accounts, such as a 401(k) or other workplace retirement plan and an IRA.”
When asked at what age they expect to retire, the mean age investors gave was 62. When asked how many years they expect to live in retirement, the mean answer was 22 years. According to Ms. Fahlund, this latter number is a significant underestimate.
“Many people will live well beyond 22 years in retirement,” she said. “To be adequately prepared financially and to ensure they don’t outlive their money, we suggest that investors annually save at least 15% of their salary, including any available employer match, and consider a possible retirement of 30 or more years, to age 95.”
Harris Interactive is one of the world’s leading custom market research firms. known widely for the Harris Poll and for pioneering innovative research methodologies, Harris serves clients in over 215 countries and territories through its North American and European offices and a network of independent market research firms. for more information, please visit www.harrisinteractive.com.
Founded in 1937, Baltimore-based T. Rowe Price is a global investment management organization with $489.5 billion in assets under management as of December 31, 2011. the organization provides a broad array of mutual funds, subadvisory services, and separate account management for individual and institutional investors, retirement plans, and financial intermediaries. the company also offers a variety of sophisticated investment planning and guidance tools. T. Rowe Price’s disciplined, risk-aware investment approach focuses on diversification, style consistency, and fundamental research.
About the SurveyThe survey was conducted online within the United States by Harris Interactive on behalf of T. Rowe Price from December 1-12, 2011, among 860 adults aged 21-50 who have at least one investment account. this online survey is not based on a probability sample and therefore no estimate of theoretical sampling error can be calculated. for additional information about the survey, please contact Bill Benintende at bill_benintende@troweprice.com.
T. Rowe Price (including T. Rowe Price Group, Inc., and its affiliates) and its associates do not provide legal or tax advice. Any tax-related discussion contained in this publication, including any attachments, is not intended or written to be used, and cannot be used, for the purpose of (i) avoiding any tax penalties or (ii) promoting, marketing, or recommending to any other party any transaction or matter addressed herein. Please consult your independent legal counsel and/or professional tax advisor regarding any legal or tax issues raised in this publication.
SOURCE T. Rowe Price
Please help improve Seeking Alpha:
Posted by admin in Uncategorized on March 8, 2012
Some exciting events in 2012 have made analysts very bullish on Micron Technologies. With the favorable upgrade it has received four times in the last 3 months, they are bound to be bullish in 2012. With this in mind, we would like to show you how to take advantage of a bullish move by using options, even if you own the stock.
Micron Technologies (MU) sells access and flash memory (DRAM & NAND) mostly These memory and storage units are used in personal computers, MP3 players, iPODS…etc. With a strong patent portfolio, Micron is in a good position against competition. Some 89.3% of its revenue comes from the (DRAM and NAND) sales.
Micron has been bullish since December when it ended the building of a well-defined long-term base from April through November. from the foundation at $5 to its present price at $8.37, it has grown 65%. usually investors are hesitant at this point to get into a stock. But bullish sentiment remains strong and for good reason.
Elpida Memory, a direct competitor with Micron, declared bankruptcy. now the Japanese chip maker has factories it needs to liquidate. With Elpida’s factories responsible for the production of 18% of memory chips, Micron has an opportunity to pick up these assets at a steal price as well as move in on sales.
Because of this closing and Micron’s solid financial position, it has been upgraded by analysts four times since November. lately, Wedbush raised its rating of Micron to ‘Outperform" and gave it a price target of $12.50. Wedbush stated:
"We are increasing our PT on Micron Technology to $12.50 from $10 as we see more upside in the stock following the company’s announcement that it has increased its manufacturing stake in IM Flash, and Elpida’s unexpected announcement on Monday that it had filed for bankruptcy protection. While Elpida the 3rd largest DRAM supplier’s situation is unfortunate, not only do we believe it has likely cemented the DRAM industry’s recovery, it likely has accelerated it."
Not only does Wedbush believe the DRAM industry will stabilize in 2012, but it took more of an interest in IM Flash, which will bolster its NAND business. Remember, these two (NAND and DRAM) account for 89.3% of its revenue. Keeping this in mind, we would like to take advantage of this momentum with an options play.
The Options Play
We believe the momentum and news for Micron will raise its stock through 2012. One thing we need to keep in mind at the present is the presence of a negative divergence that has been building in the stock since mid-January. This means that the present trend that has grown so much is continuously weakening. because of this, we can expect one of two things to happen. It will either bounce off the strong resistance level it has just touched and retreat, or it will consolidate for a time (possibly even pullback some) and then continue up for the rest of 2012.
For this reason we believe in the latter but will look at a Bull call Spread with plenty of extra room for time decay. another option would be to wait and watch to see what the stock is going to do before getting in.
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Buy an October ’9′ 2012 call option (priced at $1.04)
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Sell an October ’10′ 1021 call option (priced at $0.71)
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Net Debit to start: $0.33
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Maximum Profit: $0.67
Reasoning behind the Trade
With a new price target set at $12.50 from Wedbush, and the bankruptcy of Japanese DRAM chip maker Elpida, bullish momentum continues to be at the forefront of Micron’s stock. Buying a 9 and selling a 10 is well within this movement. At the same time, Micron has bounced off a strong resistance level and its present bullish move has shown signs of weakness. for this reason, the stock may move sideways or even dip for a time. Therefore we needed more time decay protection. Buying out into October would give this to us.
Disclosure: I have no positions in any stocks mentioned, and no plans to initiate any positions within the next 72 hours.
Donor policies fail to bring real and sustained change for women
Posted by admin in Uncategorized on March 5, 2012
The empowerment of women and girls has risen up the development agenda in recent years, championed by powerful financial institutions, the philanthropic wings of major transnational corporations and influential development donors as a sought-after panacea. There’s an appealing simplicity to the argument for investing in women and girls. Women and girls have been overlooked. they have so much potential. Get them into work, and poverty will disappear. Get them into school, and high birthrates will decrease. Get them into politics, and peace will reign. Invest in their potential and in their families, and communities and nations will yield the benefits.
It’s a formula that harnesses persuasive gender myths with an action agenda blind to many of the principal underlying causes of women’s disempowerment. These myths – that women are more industrious and responsible than men, that women politicians can’t be corrupt and always represent women’s interests, that women care more for their children and the environment and that they are closer to the earth – may be based on some truths. but their power is based less on reality than on what they offer those who tell and listen to them. all this makes for a promise to investors of a safe bet, and a guaranteed return.
But a disquieting truth is staring us in the face. all around the world changes are happening in women’s lives – in many countries, women are discovering new freedoms, exploring new horizons and breaking away from old patterns, constraints and certainties. in the process, they are facing opposition and exploitation, and encountering new forms of oppression. Change is happening, but women’s journeys of empowerment rarely follow the simple linear formula that development agencies and their corporate sponsors would have us believe.
The findings of Pathways of Women’s Empowerment, a five-year multi-country collaborative research and communications initiative, suggest that women seize opportunities for empowerment wherever they find them. sometimes, they find these opportunities in interventions targeting women – like the micro-enterprise programme that offered one Afghan woman the chance to set up a hairdressing business: a space that allowed her to make money, but perhaps more importantly, to socialise with other women (pdf). sometimes, these opportunities come from women’s own collective action – like the Indian sex worker collective that routed out under-age sex work in their community, and challenged the abusive treatment of sex workers at the hands of police and society. Where projects, programmes and policies have made a difference, they have done so because they recognised the power of relationships, the significance of recognition and the importance of confronting limiting stereotypes and institutionalising new norms. at the heart of these changes have been women’s organisations and movements, visionary and committed feminist bureaucrats and collective action by women themselves.
Research by Pathways suggests that powerful sources of empowerment may lie in places overlooked by development. Research on women’s sexuality highlights the empowering dimensions of pleasure, and the transformative possibilities of approaches that recognise this power. other pleasures emerge from surveys of women in Bangladesh and Afghanistan that came up with the unexpected finding that women’s access to television was the most powerful indicator of empowerment. Television brought these women in contact with worlds, ideas and possibilities that they might otherwise never have experienced, and it exposed them to new tactics for navigating tricky relationships with their husbands and in-laws. It also gave them an opportunity for leisure, something so vital to women’s and girls’ empowerment and so absent from development narratives.
The research suggests that piecemeal economic and political empowerment programmes might give individual women opportunities to improve their lives through loans or training, but they fall short of achieving real and sustained change. “Empowerment lite” might deliver the kind of results development agencies have been reduced to measuring – numbers of women on courses, numbers of girls at school, numbers of women on councils. but this rarely translates into the kinds of transformations that lie beyond such limiting measures, such as changes in women’s sense of their own possibilities and horizons, and shifts of power that are the precondition for creating a more just and equal world.
For all the warm and fuzzy images of smiling women and laughing girls that appear in marketing materials, the vision of change purveyed by “empowerment lite” is frighteningly stark: one in which women and girls are recruited for their industriousness, and put to work to maintain a status quo that is deeply unjust. Men appear as shadowy figures, menacing or useless, never as allies or agents of positive change – women and girls are left to bear the responsibility of improving everyone’s lives.
Empowerment lite offers women entry into labour markets that continue to devalue their labour and does nothing to support them to organise to claim their rights. It fails to address the sexism they face in the labour market and political institutions, or the violence that blights so many women’s lives, or to support their efforts to challenge the structural inequities that produce and sustain their disempowerment. And rosy as it is, there is nothing in this vision about enabling women and girls to enjoy life’s pleasures and realise their own hopes and dreams.
If women and girls are really to be put at the heart of development efforts, a good place to begin is to ask not what women and girls can do for development, but what development might do for them. It’s almost 20 years since the fourth world women’s conference in Beijing set out a Platform for Action. It’s time to revisit and revitalise those commitments.
Donor policies fail to bring real and sustained change for women
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