Do you want to buy me a beer or coffee?

Thursday, December 31, 2009

Happy New Year 2010 !




Live Times Squares Cam(
enjoy it!)
http://newyears.earthcam.com/ts/

best wishes to all of YOU

The Best Stocks for 2010 from Motley Fool

the original article is from http://www.fool.com/investing/general/2009/12/30/the-best-stocks-for-2010.aspx.

I total agree with Akamai Technologies,Costco,Intel

----below quote from Fools ----------------------

Take a look at this year's selections and see what you think. At the bottom of each article, you'll have the opportunity to vote whether you believe that stock is the best stock for 2010. Once we've tallied the votes, we'll be back to tell you which ones are best poised for big gains next year.

The Best Stocks for 2010:

There you go, Fools -- vote early and often today!

Wednesday, December 30, 2009

First Look: Sex and the City 2 Trailer(zt) BY Kelly O'Reilly

watch trailer by clicking the link http://www.nbcnewyork.com/blogs/the-thread/First-Look-Sex-and-the-City-2-Trailer-79994202.html (go watching the trailer)

First Look: Sex and the City 2 Trailer
AP

Put together a fresh montage of Sex and the City set to Empire State of Mind, and you've got the new trailer for Sex and the City 2, which opens this summer. While the plot may look thin, the gals (as ever) look gorge.

The voice-over is promises a lot of plot points ("you haven't seen anything yet", etc.) and we do get some eye candy on the clothes, stretching from NYC to, it seems, Morocco and Egypt, and everyone looks great. Though, we'll admit -- it doesn't really look like there's much of a plot. "Sometimes you just have to get away with the girls"? The preview makes it look like "Sex and the City: The Vacation." That said, did you spy Carrie's old closet? Yes, it's in there, too!

BY Kelly O'Reilly // Wednesday, Dec 23, 2009 at 05:13 EST

Top Trends from Fashion Week: Spring 2010 (ZT)

I like
feathers
School Spirits
Leisure Suits

I hate most is
Peek-a-Boo
and all the models pissed me out!

please check the link to see the details
http://www.nbcnewyork.com/blogs/the-thread/Top-Trends-from-Fashion-Week-Spring-2010-59412802.html
don't forget click on the next button

Spring 2010 Preview: Topshop by Laurel Pinson

original link: http://www.nbcnewyork.com/blogs/the-thread/Spring-2010-Preview-Topshop-80285852.html

----
spring 2010, first look

Spring 2010 Preview: Topshop



Spring 2010 Preview: Topshop

In addition to more hazard-inducing spikes and studs, Topshop's designer collaborations with Ashish, Jonathan Saunders, and more offer rips, corsets, and sweats for spring.

We should have known that Topshop's designer collections for spring would have a more daring edge after we saw the first images of Louise Goldin's spiky heels (surely a crowded-sidewalk hazard if we ever saw one), and Ashish's spring collection taeks a page out of the same playbook, offering up a motorcycle jacket with some seriously intimidating spikes, paired with black sweatpants lined with similar spikes. Overall, it has a certain "Hellraiser" quality, but it's actually Anne Sofie Beck who, according to Nitrolicious, was inspired by horror movies in creating her ripped-and-torn collection. The influences do make sense, especially considering it really does take the concept of "slasher flick" to a new level.





Jonathan Saunders' collection seems almost tame in comparison, though the structured corset top and skirt is worth a second glance, as are some of his other long t-shirt dresses -- simple, but decidedly sexy.

Topshop's in-house line, on the other hand, has been cleverly divided by theme: Parisienne offers striped shirts, bows, and laydlike flats; Saloon manages to combine sexy fringe wtih Western work boots; Meadow is predictably feminine with an edge (think florals and studs); and finally Downtown is slick and futuristic -- offering everything from sweat-harem pants to biker jackets and bodycon dresses.




BY Laurel Pinson // Wednesday, Dec 30, 2009 at 07:11 EST




Top 10 of 2009 yearly box office results

check the whole list at http://boxofficemojo.com/yearly/chart/?yr=2009&p=.htm

RankMovie Title (click to view)StudioTotal Gross / TheatersOpening / TheatersOpenClose
1Transformers: Revenge of the FallenP/DW$402,111,8704,293$108,966,3074,2346/2410/15
2Harry Potter and the Half-Blood PrinceWB$301,959,1974,455$77,835,7274,3257/1512/17
3UpBV$293,004,1643,886$68,108,7903,7665/2911/5
4The Twilight Saga: New MoonSum.$282,887,0004,124$142,839,1374,02411/20-
5The HangoverWB$277,322,5033,545$44,979,3193,2696/512/17
6Star TrekPar.$257,730,0194,053$75,204,2893,8495/810/1
7AvatarFox$250,419,9513,461$77,025,4813,45212/18-
8Monsters Vs. AliensP/DW$198,351,5264,136$59,321,0954,1043/278/27
9Ice Age: Dawn of the DinosaursFox$196,573,7054,102$41,690,3824,0997/111/22
10The Blind SideWB$189,917,0003,407$34,119,3723,11011/20-


all data got from website : http://boxofficemojo.com

Alert: bulk carriers company long position holder

I read some articles yesterday which said the bulk carriers will have 30% down in 2010.

I don't have position with them. if you have kind of stocks, do your research.
if you don want to share, please post your result here. we can discuss more


Oversupply may leave bulk shipping dry next year
By Sunil Kumar Singh on Tuesday, December 22, 2009

Dry Bulk 2010: Five Stocks to Watch
Stock quotes in this article:DRYS,DSX,EXM,GNK,NM
By Scott Eden 12/29/09 - 11:17 AM EST


Chart Room: Dry-Bulk Shipping's Future
By Scott Eden 12/10/09 - 10:26 AM EST

2010: Intel is the best


we strongly recommanded the INTEL and MICROSOFT as 2010 five stars stock.
Especially Intel.
Review your all investment plan before you make changes.

All at a very reasonable price

Normally, we'd have to pay a premium price for such a sterling company, but that's hardly the case with Intel right now. Compared to many of the other tech powerhouses, Intel's valuation stacks up very favorably.
CompanyForward Price-to-EarningsEnterprise Value-to-SalesExpected Long-Term Growth
Intel13.83.111%
IBM (NYSE: IBM)12.51.010%
Microsoft(Nasdaq: MSFT)16.14.411%
Cisco (Nasdaq: CSCO)16.83.311%
Qualcomm20.76.417%
Apple (Nasdaq: AAPL)27.24.519%

5 More Predictions for 2010 from MotleyFool

go to original link5 More Predictions for 2010. I will add my comment late on

By Rick Aristotle Munarriz
December 30, 2009

I whipped out my crystal ball last week and made three predictions for the year ahead. It's time to go out a bit further on the limb and make a few more market calls.


1. Gold prices will fall in 2010
Gold bugs will be quick to point out that I only went 8 1/2-for-9 on my predictions for 2009. The fractional miss in the mix is that I called for oil prices to rise (which they did) and gold prices to fall (which they clearly did not).

Well, I haven't learned from my half-mistake. Gold's rise during the recession is tied to many factors, but one of the primary drivers was a flight out of distressed asset classes. Now that real estate prices are bottoming out and global equity markets have regained some of their luster, I see all of those "cash for gold" late-night infomercials -- so emblematic of a bubble -- going away.

2. Facebook will go public
Modesty has never been a Facebook trait, but it needs to check its pride at the door and go the IPO route in the coming year. Registrations are still growing nicely but showing signs of deceleration. Friendster's remains and the slow fade at MySpace are warning signs of what can happen to a social-networking site after it peaks.

Facebook was right to reject Yahoo!'s (Nasdaq: YHOO) advances while it was still in the crib and give Microsoft (Nasdaq: MSFT) only a taste, but it has to realize that employee retention and broader brand awareness are waiting at the other end of a public stock offering.

3. Netflix will be acquired
The rumors have been around for years, but 2010 should be the year that finds Netflix (Nasdaq: NFLX) being acquired. It doesn't have to be the obvious Amazon.com (Nasdaq: AMZN) doing the nibbling. There are more potential suitors than you think. The initial stumbling block will be Netflix's reluctance to cash out while it's still growing briskly.

As it stands, Netflix is trying to sway movie studios into offering hot releases through its online streaming platform. That's not going to happen. Netflix will run into enough resistance there -- and recognize that time is running out on optical discs -- to entertain an exit strategy.

4. E*Trade Financial will be acquired
Did you catch how E*Trade's (Nasdaq: ETFC) quest for a CEO replacement ended in tapping a board member as interim CEO? That's just one of the signs that the discount broker's next CEO will come from the company that acquires it.

E*Trade has made decent strides over the past year to separate its growing brokerage business from its slammed online banking unit, but it's also a golden opportunity for a larger financial services rival to step in before confidence swells.

5. Apple will go 4-for-4
Forget the tablet computing buzz, the health of Steve Jobs, or the iWhatevers that Apple (Nasdaq: AAPL) rolls out over the coming year. Earnings are what will ultimately drive the Cupertino darling's stock, and I believe that Apple will top Wall Street expectations in each of the next four quarters.

That probably sounds like a gutsy market call, but Apple has consistently been trouncing analyst targets for several years.

Play on, 2010.

Tuesday, December 29, 2009

Biggest jerks (Global warming)




Neither China nor the U.S. have agreed to mandatory cuts in greenhouse gases. Getting them on board is essential to solve the problem.


check original links at http://money.cnn.com/galleries/2009/news/0912/gallery.global_warming/index.html

10 Essential Tips to Becoming a Millionaire by Chris Record

go read this article which is good if you want to be a millionaire asap.

http://chrisrecord.com/10-millionaire-tips/

1. Focus on the Why before you learn the How.
2. Drive the Right Vehicle.
3. Develop a Passion for Personal Development.
4. Find a Mentor to Guide You.

5. Find Multiple Ways to Make Money Doing What You Are Already Doing.
6. Never Say “I Can’t”, Instead Learn to Say “How Can I”.
7. Don’t Focus on How Much Something Will Cost You, Rather How Much It Will Make You.
8. Learn to Work Smart Instead of Just Working Hard.
9. If You Are Not Part of the Solution, You Are Part of the Problem.
10. What Are You Willing to Sacrifice in Order to Live Your Dreams.

Miss World vs Miss USA: Kaiane Aldorino & Kristen Dalton




Kristen Dalton(Miss North Carolina) is crowned Miss USA 2009 during the Miss USA Pageant at the Planet Hollywood Resort and Casino in Las Vegas by Miss USA 2008 Crystle Stewart

Please check the original link @ http://www.msnbc.msn.com/id/30298772/ns/today-today_fashion_and_beauty/displaymode/1247/?beginSlide=1



Kaiane Aldorino beauty queen


Kaiane Aldorino from Gibraltar was named the new Miss World at a glittering two-hour pageant that put South Africa in the spotlight and featured traditional dancers and drummers
Please check the original link @ http://today.msnbc.msn.com/id/34394055/displaymode/1176/rstry/34394105/

Monday, December 28, 2009

<蜗居>之浅见

宋思明有什么牛的! 由赖昌兴牛么!赖总现在在加拿大呢!
不就搞几个女人么,我们的tiger不是也吊吊的吗。征服个把个女人就牛的话,世界上牛人真的不少!

我不反对一夜情, 也不反对多夜情, 是感情就是感情。 但是和炒股一样如果超出了自己的能力和预知, 就有点过了。 就是对于一夫多妻制我都不反对,只要你牛,你能让大房,二房, 三房,。。。大家都听你的, 愿意跟着你,那是你有能耐。
但是如果不能善终,也就不要把自己搞得像圣人一样。 不就是一个包二奶又想负责任的joke么!不就是泡妞泡成了老公的loser吗!

但是结尾如果你不能善终,你就省省吧! 宋这种人在古代多了去了,有钱再加点感情。 也就骗骗心境纯的,智商低的。 说说海藻得到了什么?给了她钱和少许本该属于大房的感情, 就值了? 说到底,只是一个玩物!宋只是一个泡妞跑到极致的男人。如果他活着,十年后,又有一个机会认识另一个年轻美貌的海藻会怎样?小说就是小说, 排成了电视还是小说, 琼瑶阿姨走了,纯情也跟着做了。这不蜗居又来了,二奶小三也被极力推广家喻户晓了。

如果相信真爱,就不要搞第三,四。。者。
如果真的敢于承担,就不要欺欺骗骗,就最好不要搞害人的什么小资情调。




宋思明要是个女的, 就是个即当婊子有立牌坊的主。


【 在 XXXXXXX(XXXXXXXX) 的大作中提到: 】
: 是不是版上很多wsn后悔出国了?
: 看人家宋思明多牛。



【 在 **********(*************) 的大作中提到: 】
: 宋说钱对他来说只是个工具而已。他给海藻的六万,转了一圈又回来了。

links: 我们原来所不知道的巴菲特《滚雪球》札记 (zt)




范卫锋《我们原来所不知道的巴菲特》精华版(zt)

我们原来所不知道的巴菲特《滚雪球》札记(zt)


the part that I like best
4、众所周知,巴菲特是史上最坚决的抄底爱好者。现在看来,这是有遗传的,不管是基因还是文化遗传。在1929年开始的大萧条中,巴菲特父亲打工的银行倒闭了,比失业更惨的是,他的钱也存在这家银行里,而两个孩子(包括1930年8月30 日出生的沃伦•巴菲特)正嗷嗷待哺。

这个时候,父亲作了一项绝不逊色于儿子的勇敢决策:他开了一家股票经纪行——在全世界没有人想买股票的时候(此时距离市场的底部还有七八年!)。随后,尽管美国天灾人祸不断,罗斯福的当选又让他深恶痛绝,但父亲的股票经纪公司日渐走上轨道,巴菲特一家的生活在大萧条中奇迹般地日益改善。范卫锋相信,这一段成功地“过早抄底”的家庭经历,根深蒂固地、从童年时期建立了巴菲特在绝境中的乐观主义信仰。

Advice to new trader

It's very very good suggestion for new trader

please check original link at http://www.mitbbs.com/mitbbs_article_t.php?board=Stock&gid=31817193

发信人: babycrynot (不哭的小孩儿), 信区: Stock
标 题: 我给新手几个建议。
发信站: BBS 未名空间站 (Mon Apr 20 01:15:29 2009)
less money
1. 少放钱: 新手赔钱的几率大大超过赚钱的几率, 大概95%吧。
less trade !!!
2. 少操作: 参照1, 赔钱的原因就是宁肯错买三千,不肯放过一个
less profit
3. 少贪多: 赚钱比不赚强,一口吃不了胖子,循序渐进
less warry
4. 少操心: 既然是小账户,学习为主,积累经验,上班别看
less regret
5. 少后悔: 谁也不是神仙,如果你做到1-4, 你的损失也没多少,下次努力
more research !!!!
6. 多学习: 兼听则明,多看看听听和自己不同观点的分析,和自己一样的少听

todays pics

Christmas brings box office cheer


Al Qaeda claims responsibility for failed terror attack


Iran Protests

10 Ways to Sex Up Your Look


10 Ways to Sex Up Your Look

original post at http://fashion.about.com/cs/tipsadvice/a/getsexy.htm
By , About.com Guide

What's sexy without being sleazy?

Adding unexpected touches (a wrapped shirt, a grand exit) and glamorous essentials (red lips, shades).

It's about dressing in fabrics that feel great against your skin.

And it's about choosing more original ways to express your sensuality than by merely donning a micromini.

Our get-sexy looks work for any age or budget: some are after-dark only (shoulder-duster earrings), while others can work for daytime (touchable fabrics, hats).

Here's how to add sizzle to your look without sacrificing your modesty.

1. Wear something ordinary in an unexpected way.
It doesn't have to be a huge statement like wearing a jacket backwards; subtle alterations pack the chicest punch. For example, take a basic man's white shirt (slightly oversized), unbutton it, wrap it so that one side overlaps the over and tuck in.)














2. Do red lipstick.
Pale lips may be trendy, but nothing does the job like red. Use lipliner for a perfect appearance, choose a creamy matte in a red that best suits your skin tone (blue-reds for darker skin tones; orangey hues for olive; true reds for blondes). Use a light hand for the rest of the face because the lips should take center stage.















3. Add a hat.

Nothing attracts attention quite like a hat. First, it takes guts to wear one. Second, it takes panache to carry it off. Combine the two qualities and you get major sex appeal. Stay with classic shapes -- the fedora, the beret -- to make it easier to pull off.








4. Accessorize with shoulder-duster earrings.
Skip every other piece of jewelry, pull your hair back and make sure your makeup stays soft. This look goes great with bare shoulders and updos, too. Definitely an after-dark look.

5. Make it metallic.
Black may be supersexy, but gold, silver, copper and pewter are especially luminous when you're going for vavoom. Look for simple shapes (the story here is the fabric and color, not the line of the outfit) and tones that flatter your skin color. Pass on major jewelry and makeup to let the dress really shine.








6. Adopt an exotic look.
The cheongsam is a classic example of a dress with international allure. Harem pants, sarongs and embroidered items are all borrowed ethnic looks with tons of feminine charm. The mandarin-collar dress from China is flattering, chic and always intriguing.


7. Wear shades.
Perhaps the single sexiest item you can own are a great pair of sunglasses. They add tons of mystery, look cute even on top of your head and actually serve the practical purpose of protecting your eyes.







8. Make a grand exit.
Sexy is all about surprises, so a deceptively simple dress from the front can be a showstopper in the back. Open backs, lace-up backs, great dress trains all make for dramatic effects.

9. Stay soft with touchable fabrics.
Forget everything you've ever heard about hardcore leathers or sparkly sequins being heat-inducing. Cashmere, silky satin, buttery soft suedes are the real scene-stealers. Touchable fabrics not only invite another's touch, they have the added bonus of feeling great against your skin so you feel pampered and sexy.







10. Play peekaboo.
No need to bare your breasts, even with lace. Nude linings, camisoles and slips all keep you covered while the lace itself stays really suggestive.



Great article for Automated Trading Systems

this is a basic article. it's not for advance trader who already has his/her system.


"Abstract
The relationship between trading volume and securities prices is a complex one which, when
understood properly, can lead to many insights in portfolio theory. Over the past forty years,
much work has been done trying to understand this relationship. In this document, we will
attempt to introduce and discuss some of these papers. First, we introduce basic topics of
finance theory, such as the Capital Asset Pricing Model and two-fund separation. With this
knowledge, we proceed to discuss how volume and price move together, how unusual volume
can be a predictive measure of future price changes, and also how volume can allow us to infer a
hedging portfolio. In each case, we present theoretical models which support empirical results.
Finally, we analyze some sample price and volume data around the most recent quarter of
earnings announcements."


please check the http://ssg.mit.edu/~waltsun/docs/AreaExamTR2638.pdf

Pricing Strategy

One of the four major elements of the marketing mix is price. Pricing is an important strategic issue because it is related to product positioning. Furthermore, pricing affects other marketing mix elements such as product features, channel decisions, and promotion.

While there is no single recipe to determine pricing, the following is a general sequence of steps that might be followed for developing the pricing of a new product:

  1. Develop marketing strategy - perform marketing analysis, segmentation, targeting, and positioning.

  2. Make marketing mix decisions - define the product, distribution, and promotional tactics.

  3. Estimate the demand curve - understand how quantity demanded varies with price.

  4. Calculate cost - include fixed and variable costs associated with the product.

  5. Understand environmental factors - evaluate likely competitor actions, understand legal constraints, etc.

  6. Set pricing objectives - for example, profit maximization, revenue maximization, or price stabilization (status quo).

  7. Determine pricing - using information collected in the above steps, select a pricing method, develop the pricing structure, and define discounts.

These steps are interrelated and are not necessarily performed in the above order. Nonetheless, the above list serves to present a starting framework.

Marketing Strategy and the Marketing Mix

Before the product is developed, the marketing strategy is formulated, including target market selection and product positioning. There usually is a tradeoff between product quality and price, so price is an important variable in positioning.

Because of inherent tradeoffs between marketing mix elements, pricing will depend on other product, distribution, and promotion decisions.

Estimate the Demand Curve

Because there is a relationship between price and quantity demanded, it is important to understand the impact of pricing on sales by estimating the demand curve for the product.

For existing products, experiments can be performed at prices above and below the current price in order to determine the price elasticity of demand. Inelastic demand indicates that price increases might be feasible.

Calculate Costs

If the firm has decided to launch the product, there likely is at least a basic understanding of the costs involved, otherwise, there might be no profit to be made. The unit cost of the product sets the lower limit of what the firm might charge, and determines the profit margin at higher prices.

The total unit cost of a producing a product is composed of the variable cost of producing each additional unit and fixed costs that are incurred regardless of the quantity produced. The pricing policy should consider both types of costs.

Environmental Factors

Pricing must take into account the competitive and legal environment in which the company operates. From a competitive standpoint, the firm must consider the implications of its pricing on the pricing decisions of competitors. For example, setting the price too low may risk a price war that may not be in the best interest of either side. Setting the price too high may attract a large number of competitors who want to share in the profits.

From a legal standpoint, a firm is not free to price its products at any level it chooses. For example, there may be price controls that prohibit pricing a product too high. Pricing it too low may be considered predatory pricing or "dumping" in the case of international trade. Offering a different price for different consumers may violate laws against price discrimination. Finally, collusion with competitors to fix prices at an agreed level is illegal in many countries.

Pricing Objectives

The firm's pricing objectives must be identified in order to determine the optimal pricing. Common objectives include the following:

  • Current profit maximization - seeks to maximize current profit, taking into account revenue and costs. Current profit maximization may not be the best objective if it results in lower long-term profits.

  • Current revenue maximization - seeks to maximize current revenue with no regard to profit margins. The underlying objective often is to maximize long-term profits by increasing market share and lowering costs.

  • Maximize quantity - seeks to maximize the number of units sold or the number of customers served in order to decrease long-term costs as predicted by the experience curve.

  • Maximize profit margin - attempts to maximize the unit profit margin, recognizing that quantities will be low.

  • Quality leadership - use price to signal high quality in an attempt to position the product as the quality leader.

  • Partial cost recovery - an organization that has other revenue sources may seek only partial cost recovery.

  • Survival - in situations such as market decline and overcapacity, the goal may be to select a price that will cover costs and permit the firm to remain in the market. In this case, survival may take a priority over profits, so this objective is considered temporary.

  • Status quo - the firm may seek price stabilization in order to avoid price wars and maintain a moderate but stable level of profit.

For new products, the pricing objective often is either to maximize profit margin or to maximize quantity (market share). To meet these objectives, skim pricing and penetration pricing strategies often are employed. Joel Dean discussed these pricing policies in his classic HBR article entitled, Pricing Policies for New Products.

Skim pricing attempts to "skim the cream" off the top of the market by setting a high price and selling to those customers who are less price sensitive. Skimming is a strategy used to pursue the objective of profit margin maximization.

Skimming is most appropriate when:

  • Demand is expected to be relatively inelastic; that is, the customers are not highly price sensitive.

  • Large cost savings are not expected at high volumes, or it is difficult to predict the cost savings that would be achieved at high volume.

  • The company does not have the resources to finance the large capital expenditures necessary for high volume production with initially low profit margins.

Penetration pricing pursues the objective of quantity maximization by means of a low price. It is most appropriate when:

  • Demand is expected to be highly elastic; that is, customers are price sensitive and the quantity demanded will increase significantly as price declines.

  • Large decreases in cost are expected as cumulative volume increases.

  • The product is of the nature of something that can gain mass appeal fairly quickly.

  • There is a threat of impending competition.

As the product lifecycle progresses, there likely will be changes in the demand curve and costs. As such, the pricing policy should be reevaluated over time.

The pricing objective depends on many factors including production cost, existence of economies of scale, barriers to entry, product differentiation, rate of product diffusion, the firm's resources, and the product's anticipated price elasticity of demand.

Pricing Methods

To set the specific price level that achieves their pricing objectives, managers may make use of several pricing methods. These methods include:

  • Cost-plus pricing - set the price at the production cost plus a certain profit margin.

  • Target return pricing - set the price to achieve a target return-on-investment.

  • Value-based pricing - base the price on the effective value to the customer relative to alternative products.

  • Psychological pricing - base the price on factors such as signals of product quality, popular price points, and what the consumer perceives to be fair.

In addition to setting the price level, managers have the opportunity to design innovative pricing models that better meet the needs of both the firm and its customers. For example, software traditionally was purchased as a product in which customers made a one-time payment and then owned a perpetual license to the software. Many software suppliers have changed their pricing to a subscription model in which the customer subscribes for a set period of time, such as one year. Afterwards, the subscription must be renewed or the software no longer will function. This model offers stability to both the supplier and the customer since it reduces the large swings in software investment cycles.

Price Discounts

The normally quoted price to end users is known as the list price. This price usually is discounted for distribution channel members and some end users. There are several types of discounts, as outlined below.

  • Quantity discount - offered to customers who purchase in large quantities.

  • Cumulative quantity discount - a discount that increases as the cumulative quantity increases. Cumulative discounts may be offered to resellers who purchase large quantities over time but who do not wish to place large individual orders.

  • Seasonal discount - based on the time that the purchase is made and designed to reduce seasonal variation in sales. For example, the travel industry offers much lower off-season rates. Such discounts do not have to be based on time of the year; they also can be based on day of the week or time of the day, such as pricing offered by long distance and wireless service providers.

  • Cash discount - extended to customers who pay their bill before a specified date.

  • Trade discount - a functional discount offered to channel members for performing their roles. For example, a trade discount may be offered to a small retailer who may not purchase in quantity but nonetheless performs the important retail function.

  • Promotional discount - a short-term discounted price offered to stimulate sales.



all Copyright goes to NetMBA.com. please check the original link at :
http://www.netmba.com/marketing/pricing/

Sunday, December 27, 2009

图片中的2009:经济篇

Please check the link : http://cn.wsj.com/gb/20091225/PHO094951.asp

银行业会不会再次遭遇次债危机? zt

original link : http://cn.wsj.com/gb/20091224/hrd154933.asp?source=newsletter


级抵押贷款证券已使银行业遭受重创,那么现在银行业是不是又要面临一场“次级主权债务危机”呢?

随着政府,或换句话说,主权债务人的财政赤字不断攀升,银行也成为政府所发行债券的大买家。原因之一就在于:在当前这样动荡不安的经济环境下,银行更希望找到能够比商业或消费贷款更安全的投资替代品。

但 还有一个原因是,银行几乎不需要为防范政府发行债券的违约风险而预留资金,因为与次级抵押贷款证券最早发行时的情况一样,许多主权债券都具有高信用评级。 Manhattan Institute的Nicole Gelinas表示,如果抛开政府债券在准备金方面的优势不谈,那么形成可以防范政府债务风险的某种形式的市场约束机制就显得很有必要。

从政府方面来说,它们不愿改变一个有助于创造政府债务需求的市场机制。但是在当前全球银行业监管实施全面整顿之际,各国央行官员可以施加影响、要求降低信用评级在划分银行资本方面的作用,以此降低银行可能超量持有主权债务的风险。

希 腊政府的财政危机凸现了进行这类调整的必要性。目前市场对希腊政府债券的需求已不存在,银行也就很难以希腊政府债券为抵押借贷资金。结果是,虽然希腊的主 权信用评级被下调,但欧洲央行(European Central Bank)不得不出手相助,接受希腊政府债券作为抵押品发放贷款。

日本近些年的情况就是政府大肆举债是如何导致银行业机能发生障碍的真实写照。

据 国际货币基金组织(International Monetary Fund, 简称IMF)估计,日本政府的债务总额今年将升至相当于国内生产总值(GDP) 219%的水平,而1998年时仅为120%。Pali Capital的数据则显示,1998年时日本政府债券在日本银行业资产中所占的比例仅为4%,贷款在银行总资产中的比例略高于60%;但随着政府大举发 行公共债务,如今日本政府债券占银行资产的比例已经升至15%,贷款比例则降至54%。

再看看美国的情况:美国国债在大型商业银行资产中所占比例目前只有2.32%。但如果将房利美(Fannie Mae)与房地美(Freddie Mac)等与国债一样在本质上获得政府担保的机构债计算在内,主权债务在银行资产中的比例就会升至12.3%。

更值得注意的是,过去一年大型银行持有的美国国债和机构债增加了8.5%,而贷款总额却下降了6%。

毫无疑问,政府可以通过增加货币发行来偿付债务。但如果投资者担心这将导致货币不可逆转地贬值的话,政府债券的价格就会暴跌,从令那些持有这些债券的银行蒙受损失。历史经验表明,高通货膨胀和无力偿债一样是政府债券投资面临的两大真正风险之一。

针对全球银行业监管改革的一项提议可能会间接改变这一状况,这就是引入一项补充性资本充足率规定,限制银行所持某种类型资本的数额。因为这将排除基于信用评级的风险评估对资本划分的影响,银行对低收益政府债券的投资兴趣也会相应下降。

类似明确限定资本充足率的规定可能会遭到银行业实力较弱国家的抵制。此外,这样的规定也不一定十分有效。以美国为例:虽然类似规定已在美国长期存在,但并未能阻止银行在上世纪九十年代初大量持有房利美与房地美的债券,导致这些银行在1994年利率开始上升时遭受损失。

现在是监管部门敦促银行在投资主权债券前三思的时候了。

Saturday, December 26, 2009

几个基本的K线图

1.乌云盖顶组合

在价格出现阳线上涨之后,又出现阴线,且该阴线令价格落到前阳线实体1/2以下。这一组合常在市势已经大涨一段, 甚至创下天价的时候出现,表示市势逆转,随后将为下跌行情。


2.孤岛组合
一段上涨行情之后,出现一个跳空的阴线,形如孤岛。这一组合,尽管阴线收盘价仍比昨日为高,但已可窥见市场人士心态之虚弱以及前期获利者的操盘手法,表示后市已不看好。


3.中流砥柱组合
这一组合相对于“乌云盖顶”组合。在价格出现阴线下跌之后,又出现阳线,且该阳线令价格升到前阴线实体1/2以上。 这一组合常在市势已经大跌一段,甚至创下地价的时候出现,表示市势逆转,随后将为上升行情。


4.包容组合
实体间为阴阳两性,但都是今日的长实体将昨日的小实体完全包容,顶示后市将沿长实体的方向发展。


5.孕育组合
实体间为阴阳两性,但与包容组合形式相反,它是今日的小实体被昨日的大实体所包容,形似为娘胎所孕,故称为孕育组合。不知与遗传是否有关系,这种孕育组合预示后市的方向往往为母体的方向,即阳孕阴生阳,阴孕阳生阴。


6.黎明之星组合
这 一组合是在阴线之后,下方先出现一小阳线或小阳十字线,接着再出现跳空上升的一条大阳线。这一组合多出现在市势久跌或久盘之后,这时下方出现的小阳尤如市 场人士心目中那久盼的启明星,随后再出现的有力上升的阳线,表明长夜已经过去,市势迎来光明。所以,黎明之星组合,成为市势反转上升的转点。


7.黄昏之星组合
这一组合恰与黎明之星组合相反,成为市势反转下跌的转折点。顶部的跳空的十字线在随后出现的跳空下跌的大阴线形成后,终于成为一颗黄昏之星。如果顶部是中长上影的倒T字线,则又形象地称这一组合为“射击之星”。


8.三个红小兵组合
在低档区出现这种连续三个小阳线上升的组合时,表示市势已经走出长期的下跌阴影,步上反弹上升路途。


9.三个黑小卒组合
在高档区出现这种连续三个黑小卒下跌的组合时,表示上升市势已经完结,下跌市势已经开始。


10.白三鹤组合
这种组合确认前容易误认为“三个红小兵”组合,当然,它是其失败型。要想有所把握地区分,主要注意它们出现的区域,即高档区或低档区或行情中途。这种组合是“下跌途中的白三鹤”,形如一支枯枝上飞来的三只小白鹤,一点美好的点缀。


11.黑三鸦组合
同上理,也容易误认为“三个黑小卒”组合。它是 “上升途中的黑三鸦”,飞临而栖虽无损一枝好春,可也让人生厌。


12.跳空缺口组合
(A)为下跌之后的向上跳空阳线;(B)为上升之后的向下跳空阴线。跳空造成阳阴线之间出现某种程度的缺口,反映了市场上出现了与当时市势方向相反的有力的逆向能量,令市势骤然反转。  


13.强调组合
强调组合是指两条实体大致相等的同性K线并列平排的组合, 即所谓双红或双黑的组合。

双红组合中, 前以阳线高收,但后开盘便将前阳尽失,不过,最终仍以前阳的高位收市,形成后一并列阳线,这后一阳线是对前一阳线的强烈重复,是对上升方向的再强调、再肯定,故双阳组合出现 ,意味后市看涨。 

    双黑组合中,前以阴线低收,但后开盘便将前阴尽收,不过,最终仍以前阴的低位收市,形成后一并列阴线,这后一阴线是对前一阴线的强烈重复,是对下跌方向的再强调,再肯定,故双阴组合出现,意味后市看跌。   

当双阳出现在低位或双阴出现在高位,以及当强调组合出现在周K线图时,其技术含义更为确切。

Friday, December 25, 2009

美国参议院通过里程碑式医疗改革议案

国参议院周四批准了影响深远的医疗改革法案,这对白宫倡导的医改计划而言是一个标志性时刻;白宫希望扩大医保范围,以纳入目前没有医保的3,000多万美国人。

美国参议院以60比39的票数通过了这一法案,这将使得民主党得以兑现允诺已久的将医保范围扩大至所有人的承诺,并推动美国联邦社保体系自1965年创建医疗补助计划(Medicare)以来进行最大规模的扩张。医疗补助计划是面向老年人和残疾人的医保项目。

这项为期10年、总额8,710亿美元的医改法案将扩大面向贫困人口的医疗补助计划(Medicaid)范围,创建新的税项补贴,帮助中低收入家庭遵守购买保险的要求。政府将向不购买保险的个人处以至多750美元的处罚。

推荐 Intel和Microsoft.

Microsoft. 我们已经喊过多次了。

今天喊Intel了。 
(short term hold and buy)
(long term Long) 

Thursday, December 24, 2009

Top 10 Christmas Toys for 2009


High School Musical Toys
'High School Musical' is the name of a very popular American television series that was released, for the first time, in 2006. Its sequel - 'High School Musical 2' came out in 2007, while 2009 saw the 'High School Musical 3: Senior Year' hitting the screen. Today, High School Musical toys rank amongst the most popular toys for Christmas. Right from the dolls based on 'High School Musical' to the video game series, you will find everything in the market.

Star Wars Toys
Star Wars is an epic science fantasy saga that has been revealed to the audience in the form of six movies. It was initially created by George Lucas and made a debut in 1977, with the last film being made in 2005. The animation movie 'Star Wars: The Clone Wars' came out in 2009. There will hardly be a child who is not a Star Wars fan and would not like to receive Star Wars toys as Christmas gift, be it the video games, action figures or other toys.

Bakugan Warrior Toys
'Bakugan Battle Brawlers' is a Japanese anime series that debuted on TV Tokyo in April 2007, on Teletoon in July 2007 and on Cartoon Network in February 2009. It revolves around a gang of children, called Battle Brawlers, who have the power to wield creatures known as Bakugan. Go ahead, buy a Bakugan game for your kid and see him beaming with happiness on Christmas.

Ben 10 Toys
Ben 10 has wooed the kids of today. The hero of an American animated television series, by the name of 'Ben 10', he made his debut on Cartoon Network in December 2005 and still has children going ga-ga all over him. Omnitrix, a watch-like alien device that transforms Ben into the alien of his choice, is the most popular Ben 10 toy amongst children. Apart from that, there are Ben 10 action figures, games and cards.

Nintendo DS Lite
Another one of the popular gaming consoles by Nintendo, DS is a dual-screen handheld console. Built along a clamshell design, the console has two LCD screens on the inside. While the upper one is used as viewing screen, the lower one acts as a touchscreen. It was released in 2006, as a slimmer, brighter, and more lightweight version of the Nintendo DS. Its latest version - Nintendo DSi has been released in Japan and will be available in other countries by mid-2009.

Sesame Street Toys
'Sesame Street' is the name of an American educational children's television series that premiered in 1969. The longest running children's program on American television, it has been shown in 120 countries till date. No wonder, the toys based on 'Sesame Street' characters retain one of the position amongst the top 10 Christmas toys for 2009. Amongst them, the most popular is Elmo Live, an all-singing, all-dancing version of the red puppet.

Cupcake Maker
This Christmas, introduce your child to the joy of baking. How? By giving him/her a Cupcake Maker as Christmas toy. It will serve as an educational toy, making your children learn about the basics of cooking, such as measuring and mixing. At the same time, the Cupcake Maker will let them have lots of fun, just as a toy should be, by letting them decorate their cupcakes with various types of accessories, giving their personal touch to each.

Roary -the Racing Car
Children and cars have a long-term association and it was further strengthened by the debut of 'Roary the Racing Car', an animated children's television show. Set around a motor racing circuit, called Silver Hatch, the series showcases the adventures of Roary, a red, single-seater racing car, and his race car friends. From Roary the Racing Car Sliver Hatch Turbo Race Set to Roary the Racing Car 10 inch Bike with Sounds, the options before you are many.

Latest Dolls
If the recipient of Christmas toys is your daughter, then rest assured that dolls never ever go out of fashion. Whether it is Cinderella Barbie Doll, Baby Annabell Doll or Bedtime Lullaby Fifi Doll, dolls will always be amongst the best toys for your baby every year and that includes 2009 as well. Just make sure that you buy the latest model of the doll or the one that you Little Princess has been eyeing for a long time.

Doll With Musical Potty
If your child is still an infant, who does not understand anything about video games or Playstation, then a doll with a musical potty is just the toy that you can gift him for Christmas. The crying, potty-going doll made its debut in 1991 and its latest version comes with a flashing, musical potty. The first doll to boast of 'human functions', it is expected to be one of the hottest-selling toys for Christmas 2009.

2009 Hot Christmas Gifts

Here are given some popular Christmas gift ideas that will enable you to know about the top 10 Christmas gifts 2009:

2009 Hot Christmas Gifts

Digital Camera
One of the best gifts that you can give to you loved ones this Christmas is a digital camera, preferably one with 10 MP resolutions. Whether they are sitting at home, enjoying on a picnic or having a candlelit dinner, the digital camera will help them capture the precious moments and keep them forever. Can there be a better gift than this!

Nintendo Wii
The latest gaming console of Nintendo, known as Wii, is just the gift for your teenage kids who swear by their video games. Apart from the legendary Nintendo franchises like Mario, Zelda and Metroid, it also offers new classics like Wii Sports and Wii Play. You can also create your own Mii character and even play with your friends, in the Wii games.

Apple iPod Touch
After the sensation created by Apple iPod, it is now the time for the product's latest version to make news. Apple iPod Touch is equipped with the same multi-touch user interface that was introduced in the iPhone. Apart from that, it also features Wi-Fi wireless networking, Safari browser, Google Search or Yahoo! oneSearch, YouTube application and iTunes Wi-Fi Music Store.

Caster Board
Move over skateboards. The year 2009 has brought the caster board into preview. It is basically a two-wheeled, self-propelled vehicle. Unlike a skateboard, while riding it, the feet do not need to leave the board to gain speed. In fact, more than a skateboard, it is a snowboard that riding in caster board reminds one of.

Apple iPhone
Released by Apple in July 2008, iPhone is becoming one of the most-wanted Christmas gifts gradually. An internet-connected multimedia smartphone, it features a flush multi-touch screen and minimal hardware interface. Apart from being a camera phone, it serves as a portable music player and a mini laptop. Apple iPhone is perfect for those who love to own the latest gadgets.

Universal Remote
This Christmas, present your parents or grandparents with a universal remote. It can be programmed to operate a number of electronic devices within the house, such as TV, DVD player, music system, air conditioner, and the like. The remote will comprise of a power button, channel and volume up/down selectors, numeric keypad, set button, etc.

Hannah Montana Toys
Hannah Montana is the name of a television series that debuted on Disney Channel in March 2006. The central character of the series leads a double life: as a school girl - Miley Stewart in the day and a famous pop singer - Hannah Montana in the night. The series became a hit amongst teenagers and now, Hannah Montana toys are amongst the most preferred gift items.

Lamaze Toys
If your child is still an infant, then Lamaze toys present the perfect choice for Christmas gifts. Based on Lamaze Philosophy of Parenting, these toys help parents contribute towards the development of their child. The selection of Lamaze toys differs according to the stage of a baby's development. Go ahead and buy these toys for your baby, helping him grow properly.

Robot Dog
One of the most popular Christmas toys for 2009 is the robot dog. It is nothing, but a robot that is designed to resemble a dog, in appearance as well as in behavior. Many toy companies have come out with robots, covered with synthetic hair, which have been programmed to act like dogs. They give paw, sneeze, become hungry and even need to pee, just like a live mutt.

LCD TV
If you are ready to spend the moolah, then go ahead and gift an LCD TV to your loved ones. It is the latest gadget as far as TVs are concerned and is sure to be liked by the recipient, especially if he/she loves to watch movies at home. If it's someone very close to you and you can afford to spend more, a home theater system is not too far away either!

Wednesday, December 23, 2009

炒股七大高招技巧zt

original link: http://www.17gp8.cn/gupiaoba/chaogujingyan/20090905002800_6477.html
   小技巧一:关于止损和止赢的问题。
我觉得很重要,止赢和止损的设置对非职业股民来说尤为重要,有很多散户会设立止损,但是不会止赢。今天有必要和大家探讨一下。止损的设立大家都知道,设定一个固定的亏损率,到达位置严格执行。但是止赢,一般的散户都不会。为什么说止赢很重要呢??举个例子,我有个朋友,当年20元买入安彩高科,我告诉他要设立止赢,26元,他没卖,25元我让他卖,他说我26没卖,25不卖,到30再卖。结果呢,11元割肉。如果设立止赢,悲剧就能避免,这几天追进核心资产、大蓝筹的更应该设立止赢。怎样设立止赢呢??举个简单的例子,如果你顺应热点10元买入一只股票,涨到11元,你设立止赢10.4元,一般庄稼短暂的洗盘不会把你洗出去,如果11元跌回10.4元,你立刻止赢,虽然挣的很少,但是减少了盲动。股价到12元后,你的止赢提升到11元,股价到了14元,止赢设置到12.8元等等,这样即使庄稼洗盘和出货你都能从容获利出局。 (afang2009: 和我们昨天说的一致, 股票买入后直接设定止损点, 而后逐步提高止损点。 止盈是止损的一种。 从高点滑落,也是loss)  

技巧二:不要奢望买入最低点,不要妄想卖出最高价。
有朋友总想买入最低价而卖出最高价,我认为那是不可能的,有这个想法的人不是一个高手。只有庄稼才知道股价可能涨跌到何种程度,庄稼也不能完全控制走势,何况你我了。以前我也奢望达到这种境界,但是现在我早转变观念了,股票创新低的股我根本不看,新低下面可能还有新低。我只买入大约离底部有10%左右升幅的个股,还要走入上升通道,这样却往往吃最有肉的一段。 (afang2009: 买入大约离底部有5%左右升幅的强势股(如aapl, rimm,amzn), 到离顶部10%时买出是一种极其简单的投资方法。)

小技巧三:量能的搭配问题。
有些股评人士总把价升量增放在嘴边,经过多年来的总结,我认为无量创新高的股票尤其应该格外关注,而创新高异常放量的个股反而应该小心了。而做短线的股票回调越跌越有量的股票,应该是做反弹的好机会,当然不包括跌到板的股票和顶部放量下跌的股票。所以,以最近蓝筹股来说,连续上涨没什么量的反而是安全系数大的,而不断放量的股票大家应该警惕。 (afang2009: 这个的看个股。 要结合其他图形和新闻了。不太好掌握)

小技巧四:善用联想。
联想是什么?我想说的是,根据市场的某个反映,展开联想,获得短线收益。一般主流龙头股往往被游资迅速拉至涨停,短线高手往往都追不上,这时候,往往联想能给你意外惊喜。以今日为例:上午联通停牌,联通国脉一开盘就5%的涨幅,然后迅速涨停,这时候,运用联想,这个市场谁还和联通关系比较密切呢?积少成多,就是这个道理。联想不仅适合短线,中长线联动也可以选择同板块进行投资。(afang2009: 国内市场的规律。只有你特别熟悉的板块, 你才可以做到,还是基本功的问题。 另外不能选弱股long, 强股short, 这是联想不适用。)

小技巧五:要学会空仓。
有很多民间高手很善于利用资金进行追涨杀跌的短线操作,有时候会获得很高的收益,但是对于非职业股民来说,很难每天看盘,也很难每天能追踪上热点。所以,在股票操作中,不仅要买上升趋势中的股票,还要学会空仓,在感觉市场上的股票很难操作,热点难以把握,绝大多数股票出现大幅下跌,涨幅榜上的股票涨幅很小,而跌幅榜上股票跌幅很大,这就需要考虑空仓了,很适合非职业股民。   (afang2009: 一年空仓时间小于30%, 不会搞波段。 10年空仓时间小于50% 不会价值投资。 天天空仓的是不炒股的。)

小技巧六:暴跌是重大的机会。
暴跌,分为大盘暴跌和个股暴跌。阴跌的机会比暴跌少很多,暴跌往往出现重大的机会。在我炒股的这些年,每年大盘往往出现2--3次暴跌。暴跌往往是重大利空或者偶然事件造成的,在大盘相对高点出现的暴跌要谨慎对待,但是对于主跌浪或者阴跌很久后出现的暴跌,你就应该注意股票了,因为很多牛股的机会就是跌出来的。  (afang2009: 抢反弹要看其他指标) 

小技巧七:保住胜利果实。
很多网友是做牛市的高手,我的一个朋友在近期蓝筹股行情中获得收益是50%多,但是他自己承认自己不是一个高手,因为他属于短线高手型的,在震荡势和熊市中往往又把牛市获得的胜利果实吐回去,白白给券商打工。怎样能保住胜利果实呢?除了要设立止赢和止损外,对大势的准确把握和适时空仓观望也很重要。怎样在熊市保住胜利果实呢??经过多年的经验总结,我认为在熊市保住胜利果实的办法就是始终跟踪几只股,根据市场情况不断的尝试虚拟买卖,不妄图买入历史最低价,升势确立再入场实盘操作。(afang2009:天天看股票,但是50%以上时间都是空仓的人最牛x)


afang2009: 希望大家指导批评我的浅薄。

图片:2009最佳和最差流行服饰
















































































watch the pics first, check if you like it and find your answer by clicking the original link

http://cn.wsj.com/gb/20091223/PHO101047.asp?source=newsletter

pics for Today (Murphy, Tiger, Elin)

Life is short. Life is mess. Life is on changing


brittany murphy








Tiger Woods again


Elin: Soon to be Hottest Divorcee in the World

(I hate naked pics!, why don't u dress something)

英特尔计划于1月初推出17款微处理器



特尔(Intel Corp.)计划在消费电子展(Consumer Electronics Show, 简称CES)上推出17款微处理器芯片,这些芯片首次采用了该公司在制造技术领域取得的最新成果。

这 17款芯片将采用Core品牌,它们全部基于一种名为Nehalem的设计技术。该技术的采用使得英特尔高端芯片的性能在过去的一年里得到改进。通过采用 将芯片尺寸从45纳米压缩为32纳米的生产工艺,更多的功能可以被集中在一个更小的空间里面,从而降低生产成本。英特尔计划让主流台式机和手提电脑也享受 到成本下降所带来的好处,并为消费者提供广阔的价格选择空间。

在1月7日CES产品推介会召开前,英特尔不会向外界透露大部分细节,例如新款芯片的定价,以及哪些电脑厂商将采用这些芯片等。


original link: http://cn.wsj.com/gb/20091218/tec103027.asp?source=newsletter

Airline Stocks Soar on Falling Oil Prices(ZT)

original linke : http://www.thestreet.com/_yahoo/story/10651543/1/airline-stocks-soar-on-falling-oil-prices.html?cm_ven=YAHOO&cm_cat=FREE&cm_ite=NA

Decision is "DO NOT SHORT airline" right now.
if you want to BUY, buy quick, sell earlier. since it already start to jump. Your price is not cheap. for short term trade, it's buy signal at all!


---------------
AMR , CAL , DAL , LUV , UAUA , LCC

NEW YORK (TheStreet) -- Airline stocks surged Tuesday, lifted by a glowing UBS analyst's note and a second-straight day of falling oil prices.


Oil futures edged lower after the world's leading oil-producing nations opted to leave production volumes unchanged, a decision that could lead to short-term stability for energy prices after a volatile year.

Also on Tuesday, UBS analyst Kevin Crissey raised his 12-month stock-price targets on American Airlines' parent company, AMR(AMR Quote), as well as Continental Airlines(CAL Quote), Delta Air Lines,(DAL Quote),Southwest Airlines(LUV Quote), and United Airlines parent UAL(UAUA Quote).


Crissey also lifted his 2010 bottom-line expectations for US Airways Group(LCC Quote), whose shares shot higher by 11.5% Tuesday to $5.10.


Among the other names, AMR closed up 6.5% to $8.10; Continental Airlines rose by 4.9% to end at $18.60; Delta Air Lines added 3.5% to $11.80; and Southwest Airlines edged up 1.2% to $11.50.


UAL -- which got the biggest price-target boost from the UBS analyst, to $24 from $15 -- gained 12.2% to $12.90.


Crissey wrote that even if travel demand doesn't continue to strengthen, airline passenger revenue could rise 1.5% in January and 4.5% in February.


-- Reported by Andrea Tse in New York >>See our new stock quote page.

today's data

from the MorningStar : -

Stocks were mixed this morning as the market mulled over several data points. New home sales dropped 11.3% in November, a steeper decline than economists initially expected. Uncertainty over the extension of the first time homebuyers credit and the affordability of existing homes likely led to the decline. Personal income and expenditures both posted the biggest gains in six months in November, rising 0.4% and 0.5% respectively. These increases were slightly below expectations, but still indicate that the economy is slowly recovering. The Reuters/University of Michigan consumer sentiment index rose to 72.5 in December, up from 67.4 in November. This is an improvement, but like the days other economic releases it was below expectations.

Table Of Data On New Home Sales

New Home Sales
                        (Nov)    (Oct)    (Sep)

Sales At Annual Rate 355,000 400,000 393,000
Percent Change -11.3% 1.8 -3.7
Northeast 29,000 30,000 36,000
Midwest 68,000 56,000 68,000
South 179,000 227,000 196,000
West 79,000 87,000 93,000
Median Price 217,400 209,400 213,500
Mean Price 280,300 255,900 289,200
Houses For Sale 235,000 240,000 252,000
Months of Inventory 7.9 7.2 7.7




然信贷环境依然不佳,且美国失业率位于10%的高位,但处于历史低点的房价和借贷成本支撑了购房需求。经济正在从衰退中复苏,且首次购房者能够得到8,000美元的税收优惠。

全国地产经纪商协会经济学家Lawrence Yun表示,很明显,许多首次购房者赶在抵税政策结束前买房。

展望未来,该协会预计成屋销量将小幅下降,到了春季则会再度增加。

11月份成屋销量较上年同期增加44.1%。10月份销量修正后为增加9.9%,初步数据为增加10.1%。

联邦住房贷款抵押公司(Freddie Mac, 简称:房地美)的数据显示,11月份30年期住房抵押贷款平均利率为4.88%,低于10月份的4.95%。美国全国地产经纪商协会公布的11月份成屋售价中值为172,600美元,较上年同期的180,300美元下降4.3%,是2007年11月下降4.1%以来成屋售价中值的最小降幅。

截至11月底的待售成屋存量下降1.3%,至352万套。库存空置指标为6.5个月,创近3年来的最低水平,10月份为7.0个月。

从地区分布来看,11月份东北部成屋销量较10月份增加6.6%,中西部销量增加8.4%,南部增加4.8%,西部增加10.6%。


本文由道琼斯通讯社提供,获取更丰富更及时的道琼斯财经资讯,请访问WWW.DJCNEWS.COM

Tuesday, December 22, 2009

some pics today



<--nothing-->