Market Analysis

Find Better Yields With Money Market Accounts

If you’re tired of earning next to nothing with your cash parked in a bank savings account, you should consider a money market account instead. Money market accounts almost always yield more than a savings account for several reasons, and are considered to be just as safe.

Safety

Money market accounts are insured by the FDIC. This is an agency within the federal government that operates completely independently, and reimburses you if the bank you have funds deposited in should fail. The FDIC came into existence during the Great Depression to restore public confidence in banks. Ever since its creation, not a single depositor has lost a single penny from a bank failure. The FDIC has always made good on its insurance promise. The FDIC pays depositors out of a special insurance fund, that is contributed to by the banks it insures, and from interest on its own portfolio of US Treasury securities.

Yield Correlates to Safety

The safer an investment is, the lower a yield it will offer. The way risk-reward is naturally structured is that in order to convince an investor to place his or her funds in a very risky investment, he will require a higher yield to be enticed to take on that risk. If the risk is very low, then the investor will not require a lot of convincing to invest in the proposition. However, just because an investment carries no risk at all, like money market accounts, that doesn’t mean the yield will be zero. The investor has to be offered something to place his or her funds in the deal.

Yield Correlates to Interest Rates

The biggest driver of money market yields, however, is interest rates. As interest rates rise, the yields on money market investments also rise. It has become costlier for the government to borrow money, which drives up Treasury yields. Corporations must raise the yields they pay on commercial paper to compete with other investments — such as bank savings accounts. The more interest a corporation must pay on a debt, the higher the risk that they may not be able to pay. That risk, again, is minimal. Nevertheless, it is a risk, so that boosts the yield.

Account Restrictions

There is a trade-off for enjoying the higher yields that money market accounts offer, but they are not at all significant. Many have a minimum balance requirement, which could be anywhere from $1,000 to $2,500. This contrasts with a regular bank passbook savings account, which can often be opened with just a few dollars. It’s important to note that this is an ongoing minimum balance requirement, not a minimum deposit requirement. A bank will often assess a fee if you fall below that minimum, so always be certain to check your balance before making a withdrawal.

Speaking of withdrawals, there are also restrictions placed on the number of withdrawals within any given statement cycle, usually around six. Generally speaking, these withdrawals can be automated or done via the telephone, and sometimes with a check.

Putting It All Together

There’s no better place to hunt down the highest money market rates than the internet. You can compare rates side by side in many cases. Bankrate.com lists average money market account rates, based on the amount you invest in the account. With the averages known, you’ll be able to find out if your bank is beating that average.

However, be careful. Don’t just go with the highest interest rate you find. Be sure the fund you choose has a long history. Make sure the bank offers the ability to write checks on the account. Having the equivalent of a cash account without the ability to draw from it easily will cause more problems than it’s worth.

Market Analysis

Acer Iconia Tab A500 Compact Bunch Of Entertainment

According to the market analysis firm Display Search, Acer is the fourth leading PC makers with the 7.6% shipment of Personal Computers in Western Europe followed by the Apple, Hewlett-Packard and Dell. The Display Search has counted the Tablets as the mobile PCs along with the notebook computers. Though, the mobile PC market in Western Europe reported the decline by 20.4%, mini netbook/ netbook by 53% and Desktop PCs by 15.4% year-on-year.

The principal analyst Mr. Meike Escherich admitted that, “The much anticipated uptake in the professional segment, in the wake of migration to Windows 7, was subdued by the negative economic outlook. PC shipments in the professional segment declined 9 percent in the second quarter of 2011. The biggest decline continued to come from the consumer segment which decreased 27 percent year-on-year.”

As per some rumors, Acer Inc. is precisely working on its own Ultrabook research and development project to produce the ultra-thin laptops, which are expected to introduce in September. Company has excellent team and strong network across the world with total 8, 000 employs and estimated revenues of US$19.9 billion for 2010.

Acer has been honored by various prestigious awards like Gold Computer SuperBrand in Asia from seven consecutive years, Acer TravelMate 8200 & 5-series LCD monitors have won the 2006 iF Design Awards, Acer TravelMate 3000 has won world’s most sought-after design awards ‘The Red Dot’, Acer’s AL2032W LCD monitor has won 2005 iF design (International Forum Desing) Awards, acer’s AL1731 LCD monitor has won Red Dot Design Award by the World-class German Design Institute and lots more.

Acer Iconia Tablets are the hottest discussion topic in the market, which have been designed in very sophisticated manner and receiving the huge response from the crowd. Acer Iconia Tab A500 Tablet PC is the sleek, compact and feature-packed means of quality communication and entertainment.

The display of Acer Iconia Tab A500 has been managed by the 10.1 inches LCD capacitive touchscreen that displays the content in effective 800×1280 pixels resolution counts and 256K colors. This sharp and bright display screen supports various other accessorial features like Acer UI, Multi-touch input method, Gyro, Accelerometer and Proximity sensor. This Acer Tablet brings you the pleasure of all the Android OS and high-tech features including 5MP with 2592×1944 pixels resolution counts & video recording option, 2MP front facing video calling camera, direct access to the Social Network Sites, various internet services and web apps through Wi-Fi internet connectivity feature, multiple audio file supported media player and more. Acer Iconia Tab A500 price is Rs.26, 990 approximately.

Market Analysis

Can Marketing Research Save a Business from Losses

Not every business thinks positive impact of doing marketing research till they suffer losses. Yes, this is quite true in the sense when we read many businesses going in losses, shutting their offices or decreasing manpower. And the main reason that has been seen is either due to lack of planning which obviously requires market analysis and other factors can be low market demand. Though low market demand can’t be seen as a major reason of business loss. If the demand is low companies do take of their expenses of decreasing man power and other overhead expenses.

Only reason that compels a business to shut down is not doing the best possible marketing research analysis that helps in determining the market trend for another 5-7 years. This can be done in many ways, either by recruiting a marketing research analyst in your company or by hiring a company who does market surveys and research on regular basis. Recruiting an analyst though is not a smart decision when you don’t his/her services quite often. The best way to get this done is hiring a company which has been working for some time in this sector and have a qualified team to deliver what you need.

When a market research report is prepared it must contain a market analysis report as well that predicts the market trend for another 5 years at least. This not only helps in planning your finances but helps you in deciding on the viability of the business. Not many companies agree to this but the logic applies is simple. Here is a simple example, when you or your wife runs a household it runs smoothly when planned for each month and some months ahead. If you have a family income of $10000 per month it’s quite obvious you plan what to spend on food articles, weekend holidays or festive spending. Then only you come to know what you save for future.

The same way this needs to be applied to any business we run. Marketing research helps us in understanding how that business will run, how it has been, what competitors do and what’s new in the market. The important part of any market research report is market analysis trend. This is what not all businesses think of getting done and stress on. Any business either small or big which is looking to run for a long time need to get market trend of the business for coming years. It is quite right nobody know what the future will be but this where role of marketing research companies comes to play. They predict the future of a business keeping various factors in mind. They are the experts in this and know how they can help their clients know the future of their business.

Hire a marketing research company and see the difference that actually shows the fact between your flourishing business and the one that is going into losses. If you are serious in getting involved into your business with positive signs visit a premier marketing research company, Visha Consultants right away.

General Forex

Three Main Points in Forex

These pivot points are used in foreign exchange since long time even before the invention of computers and was originally used by floor traders.

This is one of the best ways for floor traders to have an idea about the trades before the actual trade starts and have the resistance and support levels of the next forex session.

The pivots of the Forex helps to find out the market direction of the day trading with just few calculations traders are able to found the resistance and support levels of coming sessions.

By using simple arithmetic rules and the last day’s trade high, low, close and a series trade points can be computed easily.

These are the critical support and resistance levels and the pivot, support and resistance area calculated collectively from that data are considered as pivot levels.

The Forex market is the market where everyday has some changed high, lows, opening and closing prices that are different from the last day trade and although the Forex market is twenty-four hour trading platform yet the usual timing are 5pm EST is used to recognize the opening and closing prices for further trading using pivots.

The pivot points are very popular among Forex traders because they are leading signals of the market that means they play a predictive role in forex trade as they give the prior information of trade points before the actual trading starts.

The traders can use the previous day trade points and levels to predict the potential of the market and trade points for the upcoming session.

The three main points that are considered here are R1, S1 and actual pivot points.

The basic reason behind trading with pivot points is to find out the reversal or breakout point of the Forex trade that is R1 or S1. With the passage of time R2, R3, R4 or S2, S3 indicates about the already overbought or oversold trade levels that are used as exit ways not the entry doors in Forex.

While using pivot points in Forex the trading above the pivot level and then pause at R1 then further move to R2. This would lead the trader to a break point of R1 with the target of R2 and if the Forex trade is close to half at R2 and then move to R3 according to the rest of the trading position in the market.

The article gives information regarding the pivot points in Forex and the measurement ways of resistance, support and the pivot point of the Forex trade.

Market Analysis

How to Analyze Money Market Rates

A money market account combines the thrill of a short-term, high-yield investment with the security of a savings account, which often intrigues new investors. Much like a savings account, this type of account is accessible – meaning you can transfer money from your checking and savings accounts to it, and you can even write checks against this account. Yet it still offers higher interest – or money market rates – than a standard savings account. If you’re considering this investment tactic, you’ll want to be sure you comprehend the basics about rates on money market accounts:

Understand why money market accounts offer higher rates. This is because unlike with a savings account, the financial institution you’re partnering with is able to use your funds to invest in its own capital. Although you’re in a low-risk situation, the banks may wager your money in higher-risk gambits, such as federal securities and bonds. The bank owes you only the money market rates discussed on top of your initial investment, regardless of how much money it makes (or loses) in this time. Because you give the bank the chance to make money for itself with your money, in turn it pays favorable interest rates for this type of account.

Compare an array of rates from top banks. You’ll want to assess at least five banks’ rates to be sure you’re getting a competitive rate that accurately reflects the current market. Most sites offer calculators that can help you determine how much money you stand to make during the length of an agreement – typically about a year – given the current money market rates.

Know the money market rates are not the bottom line. In addition to figuring out the best annual yield (with compounded interest over time, if the length of term allows it) and how much money you’ll walk away with, there are other factors to compare. For example, some banks require a higher original deposit than others. Or you may need to sustain a certain minimal balance at all times. Some may have steeper fees if you need to cancel your account or if you accidentally withdraw more times than allowed per term (typically 3-6 per month). Start-up fees may simply be higher at some banks, negating the high money market rates offered. Look at the big picture and total costs before settling for what seems like the best money market account offer.