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Financial

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Brainwashing Book Readers Prepared For Stock Market Correction — Again!

“The Brainwashing of The American Investor”, now in its second edition, provides you with a proven methodology for successful personal investment portfolio management. Step by step instructions for asset allocation, security selection universe creation, diversification, and profit taking are presented in an anecdotal manner, based on the Author’s hands-on professional experiences.

Author and former private investment manager Steve Selengut developed the Market Cycle Investment Management (MCIM) methodology in 1970, way ahead of the Wall Street product development curve that has now succeeded in bringing the most speculative and risky ventures on the planet into your investment portfolio.

MCIM is a disciplined, common sense, approach to investing without needless speculation. It is an approach that semi-automatically takes your profits out of bubbling markets, and for all the right reasons, re-enters weaker markets systematically in preparation for the inevitable “next” rally.

“The Brainwashing of the American Investor” teaches you about old-school investing without gimmicks, derivatives, incomprehensible “modern portfolio management” techniques, funds of funds, or astrological charts.

The Market Cycle Investment Management methodology helped navigate thousands of “Brainwashing” book readers around and through the three major financial crises (stock market meltdowns) of the author’s lifetime: the “Crash of 1987”, the “Dot-Com Bubble”, and the recent “financial crisis”.

The first time through “Brainwashing” you’ll learn about Wall Street, and why they would prefer that you didn’t read the book in the first place. Your eyes will be opened by the simplicity of the security selection process, the no frills approach to sensible asset allocation, and the ease with which you can increase your annual investment income in a reduced risk environment.

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Confused.com Reveals 56% of Drivers Forget Where They Park

Confused.com has revealed that 56% of UK drivers have at some point, forgotten where they have parked their car, and 3% have picked up the phone to ask their breakdown service to help them find it. More than 50 in 2,000 drivers in the UK admit to making that call according to a new survey by car insurance comparison site Confused.com.

The Confused.com survey has revealed some of the gaffes of UK drivers, which have led them to phone for their breakdown service, like 25% of drivers have locked their keys in the car and 10% of drivers have had to call for their breakdown service to help them sort the problem out. Putting the wrong fuel in the car has happened to more than 10% of Brits, with half of those affected (5%), also calling for assistance from a breakdown service to put things right. A small number of UK drivers also admit to calling the breakdown service, not just when their car fails but when they get lost (3.5%), lose their car (3.5%) or the sat nav is playing up (2%).

Needing help changing a wheel (21%) and topping up oil or engine coolant (13%) are other reasons why drivers have called out their breakdown service.

When it comes to forgetting where they’ve parked, women fare worse than men with 63% of women owning up to losing track of where they parked, compared to 43% of men. A whopping 78% of women have run out of petrol, with 69% of men admitting that gaffe. 9% of men and 5% of women have called their breakdown service to help them when their fuel ran dry. This is assuming they’ve managed to put the correct fuel in the car in the first place: more than 14% of men have put the wrong fuel into the car, compared to just 8% of women.

Gareth Kloet, head of car insurance at Confused.com said: “This survey just goes to show how much people use and appreciate their breakdown cover, especially when they get themselves in a potentially embarrassing situation. Shopping around for breakdown cover by using a website like Confused.com can make it more affordable. Although it’s no substitute for remembering where you parked.”

According to the survey of 2,000 drivers, which was carried out at the end of May 2011, almost a quarter of men and just under a quarter of women do not have any breakdown cover.

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Banks, Business, Currency, Financial, Financial Information, Financial Management, Financial Services, Financial Software, Financial Solutions, Forex, Investment, Money, Profits, Trading

Saxo Bank Launches Retail FX Trading Platform ForexTrading.com

Saxo Bank, the online trading and investment specialist, has announced the launch of ForexTrading.com which will offer retail investors a select range of FX crosses and CFDs with variable spreads – as low as 0.8 pips. ForexTrading.com provides investors with a range of basic functionalities designed to make trading flexible and straightforward.

ForexTrading.com is powered by Saxo Bank, which is renowned for aggregating liquidity from the world’s leading FX dealers. ForexTrading.com gives traders the ability to trade in the world’s most liquid currency pairs and global commodity CFDs at very competitive spreads.

Claus Nielsen, head of markets at Saxo Bank, said: “Saxo Bank will continue to cater for high-net-worth and institutional traders who increasingly demand usability, mobility, performance, and service when executing online trades and orders. At the same time, ForexTrading.com will appeal to Forex and CFD traders who are price sensitive and do not require a personal service, but still want the ability to utilise an award-winning online trading platform.

“We believe the retail foreign exchange market will maintain its growth trajectory for the next 10 to 15 years and we want to cater for high-net-worth investors as well as high-frequency traders to who tight spreads and deep liquidity are essential. There is no additional commission on ForexTrading.com and we see ForexTrading.com as bringing new competition to the smaller competitors, outside the tier-one banks, in the market focused on foreign exchange.”

The minimum initial deposit when opening an account with ForexTrading.com is $2,000 or equivalent and no interest will be paid on funds on deposit. ForexTrading.com will only offer English support and service and ForexTrading.com only supports retail trading accounts.

More information on Forextrading.com forex accounts can be found on the ForexTrading.com website.

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Checking & Savings, Financial, Financial Information, Financial Services, Investment, IRA, Money, Personal Finance, Retirement

Prudential Research Finds Many 2011 Retirees Unable to Leave Inheritance

According to new research from Prudential, only half of those retiring this year will be able to afford to leave an inheritance. Just 52% of those questioned are confident they have enough income and assets to fund their retirement and still be able to leave money to relatives and dependents.

Prudential’s Class of 2011 research questioned people planning to retire this year and found that 26% have already ruled out being able to leave any inheritance while another 22% were unsure whether their personal savings would be sufficient to fund their retirement. The results also show that 9% of those planning to retire this year will cancel their inheritance planning in order to boost their own retirement income.

Gerry Brown, a tax and trusts expert from Prudential said: “Obviously the focus for retired people has to be on their own retirement income and so leaving a financial legacy can become a secondary consideration. Our research shows that inheritances are increasingly in the ‘nice to do’ rather than the ‘need to do’ box because of uncertainty around being able to afford a comfortable retirement.

“For those who do hope to leave a financial legacy there is a risk of assets that increase in value being left exposed to tax as the threshold for inheritance tax is frozen until 2015.

“It is therefore imperative for people looking to leave an inheritance and secure a comfortable retirement income to seek professional financial advice in the run up to retirement and to save as much as possible, as early as possible.”

Men are more confident of leaving a financial legacy – the research results show that 56% of male retirees plan to leave an inheritance compared with 48% of women.

The Class of 2011 research has previously found that this year’s average expected retirement income is£16,600 with just 39% confident they have saved enough for a comfortable retirement.

Across the UK those planning to retire in Scotland this year are the most positive about their ability to leave an inheritance – 67% of them believe they will be able to leave a financial legacy for their families, compared with only 43% of retirees in Wales.

The information contained in Prudential UK’s press releases is intended solely for journalists and should not be used by consumers to make financial decisions. Full consumer product information can be found at www.pru.co.uk.

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Confused.com Reveals The Unluckiest Make Of Car

Confused.com has revealed the unluckiest make of car in the UK by looking at 12 months’ worth of customers quotes and finding out which make and model had the highest accident rates.

Top of the list was Honda’s FR-V six-seater. 2,529 owners of this vehicle made 466 accident claims in the past five years. That’s a claim rate of 18.4 per cent, or almost one in five.

Next came Volvo’s XC90. Of the 3,886 drivers of this model who bought cover through Confused.com, 619 made claims for accidents – a rate of 15.9 per cent.

The Lexus RX had a claim rate of 15.5 per cent (574 claims out of 3,701 drivers), followed by the Mazda 5 (15.3 per cent, or 373 out of 2,431).

Also in the top 10 vehicles for claims were Honda’s Jazz and CR-V models, Volkswagen’s Touran, the Hyundai Santa, the Toyota Rav and the Mazda 3. Each had a rate of about one accident claim for every seven vehicles insured through insurers on the Confused.com panel.

Confused.com also looked at which cars were least likely to be involved in accident claims.

Apparently the ‘safest’ of all was the Mazda 2 TS TD – out of a total of 1,076 owners, only nine accident claims were recorded in the last five years. That makes a claims rate of less than one in 100. Also hovering around the 1 per cent claims-rate mark were Nissan’s Skyline, the Ford Focus RS and the Fiat Cinquecento.

Confused.com’s head of car insurance, Gareth Kloet said: “Car accidents are rarely a result of mechanical failures: they are more often caused by human error or just bad fortune. It could be that drivers of this model happen to be more careless or reckless than other motorists. Or it could simply be that this group of road users has been particularly unlucky in the period when the data was collected.”

Confused.com’s statistics show just a snapshot of accident-related claims made by owners of a particular make and model of vehicle. So it is worth stressing that if one particular car appears to have a relatively high rate of claims, it does not follow that this vehicle is inherently more dangerous than others.

This research reflects only the experience of Confused.com customers: other companies’ figures could show different trends.

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Confused.com Reveals The 10 Most Popular Car Games

Confused.com has revealed the 10 most popular games families play in cars on long journeys.

52% of UK car owners avoided the tailbacks on the Bank Holiday and stayed at home or used another method of transport, according to new research from car insurance comparison site Confused.com.

But for those who stuck with tradition, a car packed with kids, pets and picnics awaited. Gareth Kloet, head of car insurance at Confused.com said: “Keeping your kids entertained on long car journeys is always a challenge.Of course there are a lot of gadgets such as games consoles and DVD players that can help time pass more easily, but some families might prefer a more sociable solution.

“Car games that mum and dad can play with their kids have a long tradition in Britain – so we’ve tracked down 10 of the best to help you stave off boredom on those long trips.”

Classic games such as ‘I spy’ and ’20 questions’ made it on to the list, alongside more educational pursuits such as encouraging children to help with map reading and getting them to spot landmarks as they are approaching.

Many of the games which made the list focus on what things children can spot while they are travelling. These include the ‘yellow convertible mini’ game, where children have to spot a yellow car, a mini or a convertible, but get more points for spotting combinations of the three. There is also the ‘three for a pig’ game, where different amount of points are awarded for all the different animals that are spotted, and the alphabet game, where children aim to spot consecutive letters of the alphabet on road signs or registration plates. Children can also make a simple game out of counting cars, and trying to be the first to spot a certain number of a particular colour or make.

Other games to make the list were ‘I went to the shops’, where children try and list items while working through the alphabet, and ‘What can you do with?’ where players think of all the possible uses for household objects.

No doubt the most popular game amongst travelling adults is ‘sleeping lions’, where children have to try and keep quiet for as long as possible.

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Business Monitor International Reveals Report On Dry-Bulk Shipping Sector

Business Monitor International has announced the launch of its special report on the dry-bulk shipping sector called ‘Dry-Bulk Shipping in Troubled Waters as Glut of Vessels Soaks up Demand’.

The shipping industry analysis report provides an in-depth overview of the challenges that the global dry-bulk shipping sector faces in 2011, with a particular focus on the sector’s ability to tackle its current overcapacity crisis.

The dry-bulk shipping sector’s woes are expected to continue for some time to come, as dropping rate have already lead to Korea Line Corp filing for receivership, and there could be more victims if lines do not reduce capacity.

BMI’s special report on the global dry-bulk shipping industry provides industry professionals with independent analysis into the sector. The report assists in identifying the opportunities and threats to businesses, whether they are a dry ship operator/owner, a dry-bulk terminal operator, a shipyard, a commodity producer/importer/exporter, a logistic firm, a consultancy or an investment bank with an interest in the sector.

BMI believes that despite growing imports of dry-bulk commodities, supply will continue to outbalance demand in the dry-bulk sector for some time to come. BMI expects overcapacity to remain the major concern for the dry-bulk sector over the medium term.

In supply terms, the outlook for dry-bulk is positive. In terms of commodities markets, Brazil and Australia continue to dominate the iron ore production, while global production of grains is expected to increase around 4% year-on-year (in particular, US corn, South American soya bean, Australian barley).

However – despite growing imports, supply will continue to outbalance demand. Global dry-bulk capacity will expand 14% this year, far outpacing a 6% rise in demand, China COSCO, China’s largest shipping conglomerate, has said.

The current global dry-bulk fleet stands at 7,957 vessels, according to Lloyd’s List Intelligence. There are 2,749 vessels on order, up 2,466 y-o-y, representing 34.5% of the current fleet. Of these, 1,555, about 20% of the current fleet, are due online in 2011. Given the current supply demand imbalance, this orderbook is certainly a cause for concern.

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Business Monitor International Launches Latest Report in India

Business Monitor International (BMI) has announced the launch of its latest report on India’s Information Technology industry.

The report includes BMI’s market assessment and independent 5 forecast to end 2015, covering personal computers and software; semi-conductors, memory chips, integrated circuits and general components; the internet and IT solutions.

The India analysis report also analyses regulatory changes (licensing, customs and intellectual property protection) and competitive landscapes comparing multinational and national IT companies by products, sales, market share, investments, projects and expansion strategies.

BMI’s India Information Technology Report provides industry professionals and strategists, corporate analysts, IT associations, government departments and regulatory bodies with independent forecasts and competitive intelligence on the IT industry in India. The report is vital for all these groups to benchmark BMI’s independent 5-year IT industry forecasts to test other views – a key input for successful budgetary and strategic business planning in the India IT market. It is also vital because it allows them to target business opportunities and risks in India’s IT sector through reviews of latest Information Technology trends regulatory changes, and major deals, projects and investments in India. Finally, it allows these groups to assess the activities, strategy and market position of competitors, partners and clients via Company Profiles, including KPIs and latest activity.

In 2011, India’s potentially vast IT market should consolidate its strong performance in 2010 thanks to an improving economy and consumer sentiment. Computer shipments were up by around 30% in 2010 compared with 2009, and although growth is expected to moderate in 2011 due to base effects, it should remain comfortably in double-digits.

Less than 3% of people in India own a computer (about one-fifth of the level in China), meaning particular potential in the lower end product range. However, realisation of this long-term growth potential depends on fundamental drivers such as raising India’s low computer penetration, rising incomes, falling computer prices and the government’s ambitions to connect the vast rural areas to the outside world.

However, the key threat to the Indian IT sector is the global economic slowdown and rising costs that will impact on consumer and business sentiment.

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Accounting, Assets, Financial, Financial Services, Money, Taxes

Tax Issues Not So Bad With The Right Help

No one likes the thought of facing a tax investigation. In fact, we would all prefer not to have to even pay taxes at all. But the reality is that there are some things we can’t ignore. If HM Revenue and Customs come after you, the only way to handle it is to face them head on. Facing a tax investigation is likely to be stressful and inconvenient for you, your business and even your family. A tax investigation usually means a detailed and intrusive investigation of your business and personal affairs. The good news is that if you ever have to face such a procedure there are professional tax advisers that can help you.

Although a tax investigation can never be taken lightly, the experienced professionals at Rooney Tax Services can certainly help take the stress out of one. When you need a tax investigation service Birmingham firm Rooney Tax Services should be the first place you call. They have over 25 years’ experience of handling all types of tax investigations, tax enquiries and tax disclosures, and are dedicated to meeting the needs of any and every client facing such issues. Special Investigations (SI), Civil Investigation of Fraud (CIF), local office investigations and offshore disclosures under the New Disclosure Opportunity (NDO) are just a few examples of the kind of issues Rooney Tax Services help clients with. Whatever kind of tax issues you are facing, the experts at Rooney Tax Services will help you handle them.

In a recent case HMRC were being a bit aggressive in verifying liabilities and taking a very long time to advance in the case. Rooney Tax Services applied for a closure notice. HMRC resisted, wanting to drag the case on further and make more enquiries. Rooney Tax Services then presented the situation to a tribunal judge, who agreed with them in favour of the client. The case was then promptly resolved. This is just one example of what Rooney Tax Services can do for its clients.

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Confused.com Uncover the Nation’s Amorous Auto Habits

Confused.com has revealed that almost half* of male drivers in the UK admit that they have had got frisky in their car, and almost 30% of women admit this too. However, having an argument is a more likely pursuit, with nearly 60% of men and almost 63% of women fighting with their loved ones while in the car.

Other popular pastimes while in a vehicle include dumping a boyfriend/girlfriend (10% of men and 8% of women), being dumped (6% of men and 5% of women), flirting with another driver (24% of men and 18% of women), eating something (73% of men and 76% of women) and having a nap (42% of men and 29% of women).

Men voted Audi drivers the sexiest women drivers (21%) and women agreed, also voting male Audi drivers top with 31%. Male BMW drivers are considered second sexiest by women, with 25%. Men’s second choice was female Mini Cooper drivers with 14%.

The city admitting the most car friskiness is Brighton with 68% of drivers admitting having done the deed in their cars, while only 22% of drivers in Worcester say they have got frisky while in their cars.

Drivers were also asked how often they have sex each week, with the highest average of 2.9 times per week among those living in Coventry.

Gareth Kloet, head of car insurance at Confused.com said: “The results of this Confused.com survey bring a new meaning to the UK being a nation of car lovers. Although this is not a rating question that insurers would ask when people are applying for car insurance, perhaps it’s something we should look at in the future, judging by how many people are getting frisky in their cars.”

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Diamond Reveals The Most Popular Hairdresser’s Car

Diamond has revealed that the Mini One is the most popular car among British hairdressers.

The term ‘hairdresser’s car’ has long been used to describe sporty little run-arounds popular with nation’s style conscious hair stylists. Women’s car insurance specialist Diamond decided to find out what hairdressers really drive and can reveal that the most popular, and therefore ultimate ‘hairdresser’s car’, is the Mini One.

Diamond looked at data from over 18,000 hairdressers to create a definitive list of the most popular cars amongst Britain’s hairdressers*. The Mini One is three and a half times more likely to be driven by a hairdresser than everyone else. The next most popular for hairdressers are the Vauxhall Tigra and Volkswagen Beetle, which are both more than three times as popular with hairdressers than the rest of the UK. Rounding out the top five are the Ford Ka and Mini Cooper.

Commenting on the findings, Diamond managing director, Elwyn Gedrych said: “It’s not surprising that the Mini One is so popular amongst hairdressers, as it’s stylish, modern and looks great. In fact, with two Mini models in the top 5, that certainly cements its place as the ultimate ‘hairdresser’s car’.”

Diamond also wanted to see if hairdressers like to show off their perfectly coiffered locks in a convertible car. It found that they’re happy to have the wind through their hair as they’re 33% more likely than non-hairdressers to drive one.

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Standard Life Reveals One In Eight UK Adult Can’t Wait For Greater Reward

Standard Life, the long term savings and investments specialist, has conducted a poll and found that one in eight of UK adults adopt a ‘live for the moment’ culture and would choose the instant gratification of a £640 holiday this year, rather than be willing to wait five years for a holiday worth £5,000 instead.*

The figures come from Standard Life’s UK-wide poll and prize draw**, in partnership with boutique hotel specialist i-escape.com, which investigates the nation’s attitudes to planning for the future. Entrants have to vote on which prize they would prefer; a short break this year worth £640, or a holiday of a lifetime in five years time worth £5,000.

Standard Life’s John Lawson said: “Planning five years ahead is something many people find difficult to imagine or do their best to avoid. Our poll shows that some people just seem too impatient to wait for greater rewards in the future, no matter how enticing they are. But being patient and taking a long term view on your finances is precisely what helps you achieve your goals and, ensures you remain financially secure. It might seem easier to take a short term view, but unless you plan ahead how else can you look forward to your future with confidence and optimism?”

Standard Life also points out that if everyone was this impatient, the world would be a far different place. If one in eight of the doctors employed by the NHS weren’t patient enough to finish their studies, the UK would have 14,061 fewer doctors**. Inventions such as the Dyson vacuum cleaner may also have never been made if the inventor Mr James Dyson has been impatient, as it took five years to develop the iconic bagless vacuum cleaner***.

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Saxo Bank Announces Ole Sloth Hansen to Visit Dubai

Saxo Bank, the online trading and investment specialist, has announced that Ole Sloth Hansen, senior commodity Manager at Saxo Bank, will be visiting Dubai in early June to discuss with investors and the financial media recent trends in commodity prices, which have risen dramatically over the past two years.

Total investments into commodities have risen 250 per cent from US $159 billion in 2008 to $400 billion in 2011, according to Barclays Capital, with investments in gold and silver rising three-fold during the period.

Hansen recently observed that investment flows into commodities have been very strong due to a combination of strong fundamentals and new inventions, such as exchange traded funds (ETFs), which has made the sector accessible to everyone.

“ETFs have had a strong impact on the commodities market, making them accessible to everyone from the biggest hedge fund managers to the retail investor,” said Hansen.

“May has been a month of setbacks across most commodities. Prior to this, commodities had been outperforming bonds, equity and currency investments, so it is most likely that this deceleration is just a temporary correction in an overall bullish market.”

Ole Sloth Hansen is a specialist in traded futures with over 20 years experience, both on the buying and selling side. He joined Saxo Bank in 2008 and today works as a senior manager analysing a diversified range of products from fixed income to commodities. He previously worked for 15 years in London, most recently for a multi-asset Futures and Forex Hedge fund where he was in charge of the trade execution team.

Ole Sloth Hansen will be in Dubai 7/8 June to discuss the commodities landscape at present and the new strategies for entering the market through ETFs.

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Standard Life Reveals That One In Six Don’t Plan Their Future Finances

Standard Life has found that people in the UK live for the moment rather than the long term, with more than one in six (17%) failing to plan their finances at all, according to recent research from the savings and investments company.

The research, which looks into the UK’s fascination with living for now, finds that almost half of Brits (45%) only plan their finances just a year ahead, or less, with only a fifth of them (22%) planning up to five years into the future. Alarmingly, only one in six people (16%) plan more than six years ahead which underlines the real necessity for the UK to start addressing their long term savings plan. Doing this is critical if they are to be financially secure, achieve their future goals and live the lifestyle they want.

Of the UK regions, it was found that those from London were the top financial planners, with one in six (17%) planning six years or more ahead. In contrast, those from Scotland came out as the least likely to make long term financial plans, with only one in ten (11%) planning more than six years ahead.

To find out more about the nation’s attitudes to planning for the future, Standard Life is launching a UK-wide poll and prize draw and linking up with boutique hotel specialist i-escape.com. Entrants have to vote on which prize they would prefer; a short break this year with accommodation from i-escape.com, or a holiday of a lifetime in five years. The results will show whether people in the UK favour instant gratification or greater long term rewards. This issue of desiring instant gratification presents an on-going challenge for the UK because people are living longer and their financial security cannot be guaranteed. It represents a huge challenge for providers and advisers who are keen to help consumers plan ahead so they can look to the future with confidence and optimism.

Bruce Kelsall, group and UK marketing director at Standard Life, said: “The growth in our ageing population has created a dramatic need to shift from a culture of spending to one of saving. People are completely comfortable making financial plans for a summer holiday; planning and investing in your future is no different. You may have to finance your lifestyle up to the age of 90 or even longer and while planning for this eventuality is essential, it needn’t be stressful. Even the smallest actions now can have a dramatic effect on your long term finances.”

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Confused.com Launches New YMCA Advert

Confused.com has announced that the well-loved 70’s disco anthem YMCA is the soundtrack to the latest advert “Con-Fused-Dot-Com” featuring animated logo Cara. The new thirty second advert, focusing on car insurance, launched on Sunday 22nd May, with its peak spot taking place during the new ITV1 drama Vera.

The new advert is once again voiced by Louise Dearman who plays the lead in the popular West End hit musical, Wicked. Animated and produced by Hornet, with musical arrangement from Speckulation entertainment, the advert will feature living logo Cara singing the catchy anthem before being joined by a lively backing group of animated singers and dancers. Previous adverts featuring Cara include covers versions of songs from Queen and Diana Ross.

Mike Hoban, marketing director at Confused.com, said: “Confused.com is the UK’s first price comparison site and this advert is an entertaining way to remind people how easily they can save money on household bills.

“The new series of adverts have been so successful that Confused.com has added more than 2 million customers since the campaign launched.”

In addition to this thirty second car insurance advert, a thirty second advert focusing on home insurance and a sixty second brand advert are also launching. The new thirty second car insurance “Con-Fused-Dot-Com” advert can be viewed on Cara Confuseds page now.

Confused.com is also unveiling a new thirty second London region only radio advert on 1st June. Fans of Cara can keep up to date with her on her Facebook and Twitter pages.

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Standard Life Reveals Brits Think They Cannot Live on £140 a Week

Standard Life’s new research* has revealed that almost two out of three people (63%) think they could not live on £140 a week in retirement, rising to 72% for the 55 and over’s. Only 17% of the 55 and over’s think they could live on £140 a week. The Government has recently proposed a single-tier flat-rate state pension worth around £140 a week, and are currently consulting on how this might be introduced in 2015 at the earliest.

John Lawson, head of pensions policy at Standard Life said: “The introduction of state pensions of £140 a week for all is to be welcomed. This makes it clear and easy for people to understand what they will receive from the government as a pension. However, people clearly recognise that£140 a week will not likely be enough to live on in retirement.”

The research also found there were significant differences of opinion between age groups, with the young more likely to think £140 a week was OK, while those in the older age ranges having had a reality check at the cost of living.

John Lawson concluded with tips for improving overall financial health: “Set up a savings plan to put money away for your future needs. Pensions and are enough to meet the savings needs of 99% of the population. If you are saving for a retirement income, a pension is the most tax efficient home for your money.

“Investing in cash, whilst generally safe, often means that your savings don’t even keep pace with inflation, so don’t be afraid to take some risk, particularly if you are investing for the longer-term. Savings providers now offer personalised investment portfolios, such as Standard Life’s MyFolio, that match the level of risk you are comfortable with.”

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Saxo Bank Provides Retail Derivatives Trading to TD Waterhouse

Saxo Bank, the specialist in online trading and investment, has announced it will provide TD Waterhouse, the UK’s leading execution only broker, with an online derivatives trading platform for retail investors. Through Saxo Bank’s technology and service, TD Waterhouse will enhance its offering to enable customers to take control of their trading through TD Derivatives Trading for Contracts for Differences (CFDs), FX and Futures.

The TD Derivatives Trading account, which will be provided by Saxo Bank, has been developed to respond to the needs of sophisticated derivatives traders. Clients can tradeCFDs with commissions starting from 0.15% (minimum £15) on all markets. They can also take advantage of one of the leading FX Trading offerings available, with access to more than 160 FX currency pairs. The account also includes Futures, enabling customers to trade over 450 instruments on live market prices from exchanges around the world. TD Derivatives Trading clients can also create their perfect trading environment using two, free customisable platforms that can be adapted to their exact specifications.

Darren Hepworth, trading and customer services director at TD Waterhouse commented: “We always strive to ensure our customers have access to the best products and services. With the launch of TD Derivatives Trading, our customers can take control of their trading needs and create their perfect trading environment.”

Albert Maasland, CEO of Saxo Bank London added: “We are thrilled to be working with the preeminent execution only broker, TD Waterhouse. Their decision to adopt Saxo Bank’s technology and service are testament to the effectiveness of our offering in the retail market place. We strive to develop a collaborative business model, and the launch of this service reinforces the strength of our Institutional solutions.”

Via EPR Network
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Business Monitor International Launches Report on China’s Pharmaceutical and Healthcare Industry

Business Monitor International (BMI) has announced its latest report, China Pharmaceuticals & Healthcare Report.

The healthcare and pharmaceutical analysis includes Business Monitor International’s five and ten year forecast for drugs and healthcare expenditure, imports and exports, and focuses on the growth outlook for the prescription, OTC, patented drugs and generics market segments. The forecasts are based on in depth analysis into industry trends and new developments.

The China Analysis report is designed to provide industry professionals, market investors and corporate and financial services analysts with independent forecasts and competitive intelligence on the Chinese pharmaceutical and healthcare industry. The report is vital to these groups so that they can benchmark BMI’s independent five and ten year pharmaceutical and healthcare industry forecasts on Chine, target business opportunities and risks in the Chinese pharmaceutical and healthcare sector and asses the activities, strategy and market position of pharmaceutical competitors, partners and clients.

Following the outcome of Q1 2011, BMI now predicts China will become the most attractive pharmaceutical market in Asia Pacific within the next five years. China has the world´s most attractive emerging pharmaceutical market. Driven by a booming economy and underpinned by political stability, demand for medicines, both generic and patented, will continue to increase. However – the key downside risk is further pricing pressures, which could intensify in the event of an economic slowdown.

Via EPR Network
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