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Research Report of Chinese Bank IC Card Industry, 2009

To get more details, please visit http://www.shcri.com/reportdetail.asp?id=285 "The application of IC cards in the bankcard field is generally regarded as the inner requirements for enhancing the safety standards and service abilities of Chinese bankcards and the necessary measures to cast to the international bankcard EMV movement (from magnetic cards to smart cards ). In America, the EMV movement has been realized, the bank IC cards having substituted the magnetic cards. With the advancement of international EMV movement, the regions without IC movement will become the major targets of the counterfeit cards. Apart from the prevention of fraud risks with the counterfeit cards, the standard IC cards will support the bankcards used in the small payment areas and the fast payment areas, such as in the public transportation, convenient supermarkets and fast food industry, making the bankcards get out of the appearance limitation and realize the convenient functions like mobile phone payments. EMV is the unite technology standard of the bank chip cards for debit and credit , cooperatively made by three international credit card organizations including Europay, MasterCard and VISA. The EMV movement refers to the bankcards transformation from the magnetic cards to the integrated circuit (short for IC) cards by adopting safer and more functional smart IC cards to substitute the magnetic cards. Because the bank magnetic cards are easy to copy, swindle and steal, many countries introduce the EMV movement. At present, the EMV movement has been finished in more than 30 countries. By 2007, 67% cards (about 200 million pieces) in Europe to pay the international organizations were transferred to the smart cards suitable to the EMV standard and 67% acquirer systems had been finished the EMV standard reform. The bank associations and the credit card organizations in Middle East requested the IC cards issued after 2007 be suitable to the EMV standard. In the Asia Pacific regions, Japan and Malaysia had requested the credit cards issued after 2007 be suitable to the EMV standard. Meanwhile, the international organizations had taken different encouragement and punishment measures to propel the member banks to move towards the IC cards and the EMV direction. European MasterCard International decided that it would no longer take loss responsibilities caused by using the magnetic cards or the counterfeit cards from 2007 in Europe, which means the overall magnetic bankcards used in Europe would be replaced by the smart cards since 2007. With the acceleration of international economic communications, China is speeding up to enter international economic systems. It is the inevitable trend for Chinese bankcard industry to integrate with the international bankcard standards. By the end of 2008, China accumulatively issued 1.8-billion-piece bankcards, up by 16.7% compared with 2007, including 1.66-billion debit cards and 142-million credit cards. The growth speed of the credit cards was sharp, up by 57.7% YOY. In 2008, the bankcard businesses totaled 16.6702303 billion in China with the total amounts of 127.157376 trillion Yuan (18.17 trillion USD), up by 22.5% and 14.1% YOY respectively. It is of crucial importance to guarantee the safety of the giant amount bankcard trade. With the gradual mature of the IC card technologies, the bank IC cards have been had the basis to develop comprehensively in China. Because the smart IC cards adopt the CPU chips, which have operation, encryption and decryption and memory abilities, its safety is higher than other cards. Also, it is difficult to copy the chip cards, making the steal of the credit cards more difficult. For the application, the smart IC cards can exchange the data with the card readers by the means of encryption data communications and have strong safety authentication systems, which can cut down the possibilities of the counterfeit card crimes. EMV movement is a huge investment mainly concluding the following four parts: the costs for chip upgrade, costs for the terminal reform, costs for the mainframe system reform and spread in the issuing banks, acquirers and clearing centers and the costs for business training. At present, the manufacturing costs of each magnetic bankcard in China is about 1 Yuan (0.15 USD), but the international financial IC card costs 1 to 3 USD per piece. According to the reasonable estimation, the manufacturing costs of the domestic financial IC card is about 10 Yuan (1.46 USD) per piece. Estimated by the EMV movement of 1.8-billion bankcards on stock, the movement costs for substituting the bankcards on stock will reach to 18 billion Yuan (2.63 billion USD). The costs for single POS and ATM reform are about 2,500 Yuan (365 USD) and 8,000 Yuan (1,168 USD) respectively. The upgrade reform of these two terminals will cost 6 billion Yuan (876 million USD). According to the estimation by MasterCard International, 80% costs of the EMV movement will be applied to the upgrade and reform of the backstage and users’ training, the reform of the cards and POS terminals only accounting for 20% costs. It is predicted that the whole costs for the EMV movement in China will probably reach to 120 billion Yuan (17.5 billion USD). In consideration of the leading position of the debit cards in Chinese bankcards, comparatively low venture and the giant costs for the EMV movement, the People’s Bank of China (Chinese central banks) puts forward the gradual movement strategies of standardization first, experiments second; Foreign cards first, domestic cards second; credit first and debit second. For the standard, China Unionpay issued its own chip card standards in 2005, namely, Chinese Financial Integrated Circuit Card Regulations (PBOC2.0). For the issuance of the foreign cards, Industrial and Commercial Bank of China issued the first international credit card suitable to the EMV standard on 16th December, 2005. For the experiment places, China is now propelling the EMV movement in Shanghai and Guangzhou etc. By the end of 2008, the retain number of the credit cards in China were 142 million pieces, YOY up by 57.7%. In 2008, China new added 52-million credit cards, showing explosive growth. It is predicted that it will be the prime time in the next several years for issuing the credit cards in China (the average cards on hand per capita now is 0.1 pieces). To predict conservatively, the annual new added issuance volumes of the credit cards will be 50 million pieces. If issuing the smart cards wholly at the price of 10 Yuan (1.46 USD) per piece, the annual market capacity for the credit IC cards in China will be 500 million Yuan (73 million USD). If in accordance with the 20% issuance cards are the smart IC cards, the market capacity will be 100 million Yuan (14.6 million USD). If realizing the EMV movement in the debit cards in the future, the annual market capacity will reach to 1.5 to 3 billion Yuan (219 to 438 million USD) according to the 5 to 10 renew periods in the magnetic debit cards at present. From the time order, it is considered that the POS and ATM manufacturers will be first benefited, but it is late for the bankcard manufacturers. From the benefit level, it is considered that the bankcard manufacturers will gain more profits, because of the higher costs for the bankcard transformation. From short run, it is considered that the development of the domestic credit IC cards will be not very fast but in the trial production phase. With the completion of the acquirers with 2 years, it is imperative to spread the financial IC cards in China. " "Table of Contents 1 Overview on Chinese Integrated Circuit Card Industry 1.1 Definition and Categories of the Integrated Circuit Cards 1.1.1 Definition and History 1.1.2 Categories 1.2 Related Policies issued by Chinese Government on the Integrated Circuit Cards 1.2.1 Related Policies 1.2.2 Supervision Systems 1.3 Standards of the Integrated Circuit Cards 1.3.1 Introduction 1.3.2 Development Trends 1.4 Chinese Integrated Circuit Card Industry Chains 1.4.1 Compositions 1.4.2 Characteristics 2 Related Product Situations of Chinese Integrated Circuit Cards 2.1 Analysis on the Integrated Circuit Card Chip Industry 2.1.1 Overview on the Market 2.1.2 Analysis on the Chip Market 2.1.3 Prediction on Chinese Chip Market 2.1.4 Introductions to the Major Chip Enterprises 2.2 Analysis on Chinese Integrated Circuit Card Market 2.2.1 Overview 2.2.2 Analysis on the Integrated Circuit Card Market 2.2.3 Competition Patterns 2.3 Analysis on Chinese IC Card Reader Industry 2.3.1 Overview on the Market 2.3.2 Analysis on IC Card Reader Market 3 Analyses on Chinese Bankcard Market 3.1 Chinese Debit Card Market 3.1.1 Development History 3.1.2 Present Situation 3.1.3 Development Trends 3.2 Chinese Quasi Credit Card Market 3.2.1 Development History 3.2.2 Present Situation 3.2.3 Development Trends 3.3 Chinese Credit Card Market 3.3.1 Development History 3.3.2 Present Situation 3.3.3 Development Trends 4 Present Technology Situations of Chinese Bankcards 4.1 Analysis on the Technology Categories of Chinese Bankcards 4.1.1 Present Technologies 4.1.2 Technical Characteristics 4.1.3 Development Trends 4.2 Scales of Chinese Bankcard Market 4.2.1 General Scale 4.2.2 Analysis and Prediction on the Scales of the Magnetic Card Market 4.2.3 Analysis and Prediction on the Scales of the Integrated Circuit Card Market 4.3 Influences of International Financial Crisis on Chinese Integrated Circuit Card Industry 4.3.1 Short Term Influences 4.4.2 Medium and Long Term Influences 5 Analyses on the EMV Movement in China 5.1 Overview on the EMV Movement in China 5.1.1 Background 5.1.2 Standards 5.1.3 Plans 5.2 Present Situation of the EMV Movement in China 5.2.1 Establishment of the International Approved EMV Test Laboratory in China 5.2.2 Establishment of the EMV Movement on Full Scale in China Unionpay 5.2.3 Research on the Smart Cards and EMV Movement by Industrial and Commercial Bank of China 5.2.4 First EMV Exchange Finished in Agricultural Bank of China 5.2.5 EMV Movement Strategies of Bank of China 5.2.6 Issuance of the Integrated Circuit Cards and EMV Movement Strategies of Construction Bank of China 5.2.7 Shanghai being the First Experiment City for EMV Movement 6 Chinese Major Integrated Circuit Card Manufacturers, 2008-2009 6.1 Beijing Zhong An Te Technologies Co. Ltd 6.1.1 Company Profiles 6.1.2 Operations 6.1.3 Development Strategies 6.2 Shanghai HuahongJt Smart Card System Co., Ltd 6.2.1 Company Profiles 6.2.2 Operations 6.2.3 Development Strategies 6.3 Zhuhai Kaijun Electronic Technology Co., Ltd 6.3.1 Company Profiles 6.3.2 Operations 6.3.3 Development Strategies 6.4 Shanghai Huaming Intelligent Terminal Equipment Co., Ltd 6.5 Beijing Huaxu Gold Card Co., Ltd 6.6 Shanghai Pujiang Smart Card Systems Co., Ltd 6.7 Shanghai Jide Electronic Equipment Co., Ltd 6.8 Beijing Yicheng Xintong Intelligent Card Technology Co., Ltd 6.9 Hunan Schlumberger Communications Equipment Co., Ltd 7 Chinese Major Issuing Banks, 2008-2009 7.1 Classification Analysis on Chinese Commercial Banks and Their Issuing Strategies 7.1.1 State-owned Commercial Banks 7.1.2 Stock Limited Commercial Banks 7.1.3 Urban Commercial Banks 7.1.4 Rural Commercial Banks 7.2 Industrial and Commercial Bank of China 7.2.1 Company Profiles 7.2.2 Development Situation of the bankcards 7.2.3 Technical Situation of the bankcards 7.2.4 Issuing Strategies 7.3 Construction Bank of China 7.3.1 Company Profiles 7.3.2 Development Situation of the bankcards 7.3.3 Technical Situation of the bankcards 7.3.4 Issuing Strategies 7.4 Agricultural Bank of China 7.4.1 Company Profiles 7.4.2 Development Situation of the bankcards 7.4.3 Technical Situation of the bankcards 7.4.4 Issuing Strategies 7.5 Bank of China 7.5.1 Company Profiles 7.5.2 Development Situation of the bankcards 7.5.3 Technical Situation of the bankcards 7.5.4 Issuing Strategies 7.6 China Merchants Bank 7.6.1 Company Profiles 7.6.2 Development Situation of the bankcards 7.6.3 Technical Situation of the bankcards 7.6.4 Issuing Strategies 7.7 Shanghai Pudong Development Bank 7.7.1 Company Profiles 7.7.2 Development Situation of the bankcards 7.7.3 Technical Situation of the bankcards 7.7.4 Issuing Strategies 7.8 Communications Bank of China 7.8.1 Company Profiles 7.8.2 Development Situation of the bankcards 7.8.3 Technical Situation of the bankcards 7.8.4 Issuing Strategies 7.9 Bank of Beijing 7.9.1 Company Profiles 7.9.2 Development Situation of the bankcards 7.9.3 Technical Situation of the bankcards 7.9.4 Issuing Strategies 8 Development and Investments in Chinese Integrated Circuit Bankcard Industry, 2009-2010 8.1 Development Environments of Chinese Integrated Circuit Bankcard Industry, 2009-2010 8.2 Investment Opportunities of Chinese Integrated Circuit Bankcard Industry, 2009-2010 8.3 Investment Ventures of Chinese Integrated Circuit Bankcard Industry, 2009-2010 8.3.1 Economic Environment Ventures 8.3.2 Technology Ventures 8.3.3 Market Ventures 8.3.4 Policy Ventures Selected Charts Chart Compositions of Chinese Integrated Circuit Card Industry Chains Chart Bankcard Issuing Volumes in China, 2001-2008 Chart Debit Card Issuing Volumes in China, 2001-2008 Chart Credit Card Issuing Volumes in China, 2001-2008 Chart Analysis and Prediction on Chinese Integrated Circuit Bankcard Issuing Volumes in China, 2008-2012 Chart Analysis and Prediction on the Integrated Circuit Bankcard Issuing Scales in Chinese Banking, 2008-2012 Chart Analysis and Prediction on the Integrated Circuit Bankcard Reader Scales in Chinese Banking, 2008-2012 Chart Debit Card Issuing Volumes by Industrial and Commercial Bank of China, 2003-2008 Chart Credit Card Issuing Volumes by Industrial and Commercial Bank of China, 2003-2008 Chart Debit Card Issuing Volumes by Construction Bank of China, 2003-2008 Chart Credit Card Issuing Volumes by Construction Bank of China, 2003-2008 Chart Credit Card Issuing Volumes by China Merchants Bank, 2003-2008 Chart Debit Card Issuing Volumes by China Merchants Bank, 2003-2008 Chart EMV Movement Routes in China Chart Exchange Volumes of the Bankcard Businesses in China, 2003-2008 Chart Exchange Amounts of the Bankcard Businesses in China, 2003-2008 " "Table of Contents 1 Overview on the Development of Chinese Diagnostic Reagent Industry 1.1 Related Concepts of Chinese Diagnostic Reagent 1.1.1 Definition 1.1.2 Categories 1.1.3 Categories of the In Vitro Diagnostic Reagent 1.2 Development Situation of Chinese Biopharmaceuticals Industry 1.2.1 Scales 1.2.2 Development Trends 1.3 Development of Chinese Diagnostic Reagent Industry 1.3.1Market Scales 1.3.2 Present Technologies 1.3.3 Development Trends 2 Analyses on Chinese Clinical Diagnostic Reagent Industry 2.1 Overview on Chinese Clinical Diagnostic Reagent Industry 2.1.1 Development History 2.1.2 Analysis on Chinese Clinical Biochemical Diagnostic Reagent 2.1.3 Immunodiagnostics 2.1.4 Molecular Diagnostics 2.2 Present Industrialization Situation of Chinese Clinical Diagnostic Reagent 2.2.1 Overview on Chinese Clinical Diagnostic Reagent Market 2.2.2 Clinical Biochemical Diagnostic Reagent Market 2.2.3 Immunodiagnostics Market 2.2.4 Molecular Diagnostics Market 2.2.5 Other Reagent Market 2.3 Analysis on the Development of Chinese Clinical Diagnostic Reagent Industry 2.3.1 Development Perspectives 2.3.2 Challenges and Opportunities 2.4 Influences of International Financial Crisis on Chinese Clinical Diagnostic Reagent Industry 2.4.1 Short Term Influences 2.4.3 Medium and Long Term Influences 3 Present Research Situation of Chinese Diagnostic Reagent Industry 3.1 Present Situation and Development Trends of Chinese Laboratory Medicine 3.2 Research Achievements of Chinese Clinical Diagnostic Reagent Industry 3.2.1 Born of the Rapid Self-check Kits for Cervical Cancer 3.2.2 Diagnostic Technologies of Avian Influenza 3.2.3 Diagnostic Reagent for AIDS Virus 3.2.4 Rapid Immunodiagnostic Kits for Schistosomiasis 3.2.5 Diagnostic Kits for Dengue 3.2.6 Other Achievements 4 Hot Subdivisions of Chinese Diagnostic Reagent Industry 4.1 Cardiovascular Diagnostic Reagent Market 4.1.1 Analysis on the International Cardiovascular Agent Market 4.1.2 Analysis on the Outbreaks of Chinese Cardiovascular Diseases 4.1.3 Analysis on Chinese Cardiovascular System Agents 4.1.4 Analysis on Chinese Cardiovascular Diagnostic Reagent Market 4.2 Diagnostic Reagent for Sexually Transmitted Diseases 4.2.1 Analysis on the AIDS Outbreaks in the World 4.2.2 Analysis on the AIDS Outbreaks in China 4.2.3 Development Situation of Chinese AIDS Diagnostic Reagent Industry 4.3 Diagnostic Reagent for the Hepatitis 4.3.1 Analysis on the Hepatitis Outbreaks in China 4.3.2 Analysis on Chinese Hepatitis Diagnostic Reagent Market 4.4 Diagnostic Reagent for the Tumor Marks 4.4.1 Analysis on the Tumor Outbreaks in China 4.4.2 Common Tumor Marks and Major Clinical Meanings 4.4.3 Analysis on Chinese Tumor Diagnostic Reagent Market 4.5 Analysis on Chinese HTLV Diagnostic Reagent Industry 4.5.1 Brief Introduction 4.5.2 Analysis on Chinese HTLV Diagnostic Reagent Industry 5 Competition Patterns of Chinese Diagnostic Reagent Market 5.1 Competition Situation of Chinese Diagnostic Reagent Industry 5.1.1 Major Categories of the Diagnostic Reagents in China 5.1.2 Present Competition Situation of the Major Diagnostic Reagents 5.1.3 Competition Characteristics 5.1.4 Distributions of the Foreign Funded Enterprises in China 5.2 Competition Trends of Chinese Diagnostic Reagent Industry 5.2.1 Merger and Acquisition Trends 5.2.2 Prediction on the Distributions of the Foreign Funded Enterprises in China 6 Major Foreign Funded Enterprises of Chinese Diagnostic Reagent Industry 6.1 Roche Group 6.1.1 Company Profiles 6.1.2 Operations in China 6.1.3 Development Strategies 6.2 Johnson & Johnson Services, Inc 6.2.1 Company Profiles 6.2.2 Operations in China 6.2.3Development Strategies 6.3 GlaxoSmithKline 6.3.1 Company Profiles 6.3.2 Operations in China 6.3.3 Development Strategies 6.4 Pfizer Limited 6.5 Abbott Laboratories 7 Major Local Enterprises of Chinese Diagnostic Reagent Industry 7.1 Shanghai Fosun Pharmaceutical (Group) Co., Ltd 7.1.1 Company Profiles 7.1.2 Major Diagnostic Reagent Products 7.1.3 Development Strategies 7.2 Shanghai Kehua Bio-engineering Co., Ltd 7.2.1 Company Profiles 7.2.2 Major Diagnostic Reagent Products 7.2.3 Development Strategies 7.3 Beijing Wantai Biological Pharmacy Enterprise Co., Ltd 7.3.1 Company Profiles 7.3.2 Major Diagnostic Reagent Products 7.3.3 Development Strategies 7.4 Shanghai Rongsheng Biotech Co., Ltd 7.5 Nanjing Jiancheng Bioengineering Institute 7.6 Livzon Pharmaceutical Group Inc. 7.7 Huamei Bioengineering Co., Ltd 7.8 Huasin Science Co., Ltd 7.9 DaAn Gene Co., Ltd 8 Development Strategies to Entry Chinese Diagnostic Reagent Market 8.1 Investment Problems in Chinese Biopharmaceuticals Industry 8.2 Product Strategies of Chinese Diagnostic Reagent Enterprises 8.3 Competition Strategies of Chinese Diagnostic Reagent Enterprises 8.4 Development Strategies of Chinese Diagnostic Reagent Industry 8.5 Comparisons of the Marketing Strategies between Chinese and Foreign Diagnostic Reagent Enterprises 8.5.1 Strategies of the Product Orientation 8.5.2 Strategies of the Product Price Making 8.5.3 Comparisons of the Distribution Channels 9 Development Trends of Chinese Diagnostic Reagent Industry 9.1 Development Trends of Chinese Pharmaceuticals Industry 9.1.1 Prediction on the Market Scales 9.1.2 Prediction on the Market Structures 9.1.3 Prediction on the Development of Chinese Biopharmaceuticals Industry 9.2 Development Perspectives of Chinese Diagnostic Reagent Industry 9.2.1 SWOF Analysis on the Development 9.2.2 Prediction on the Scales 9.2.3 Prediction on the Technologies 9.3 Prediction on the Development and Investments of Chinese Diagnostic Reagent Industry Selected Charts Chart Analysis on Chinese Diagnostic Reagent Products Chart Scales of Chinese Diagnostic Reagent Market, 2004-2008 Chart Outbreak and Mortality Rates of Chinese Major Infectious Diseases, 2008 Chart Purchase Amounts of the Anti-tumor Drugs in Chinese Hospitals, 2004-2008 Chart Fierce Competitions among the Anti-tumor Products and Immunomodulator Products in China Chart Quantity Sheet of Chinese Approved Anti-tumor Drugs and Immunomodulator Products in Class A and B Chart Categories and Technologies of POCT Chart Synopsis of the Major Diagnostic Reagent Varieties and the Manufacturers in China Chart Operations of Shanghai Kehua Bio-engineering Co., Ltd, 2004-2008 "
(ArticlesBase ID #893865)

Dow Jones Index

Daily Market Commentary for February 12, 2009 from Millennium-Traders.ComTrading activity increased during the final half hour of trading with the DOW coming back off a triple digit loss. (read more)http://www.millennium-traders.com/news/newscommentary.aspxEconomic data released today:Retail Sales:U. S. January Retail & Food Sales rose 1.0% compared to consensus of a drop by 0.8%; U. S. January Retail & Food Sales Excluding-Autos rose 0.9%; U. S. December Retail & Food Sales Revised to a decrease by 3.0% from a drop by 2.7%.Jobless Claims:U. S. Jobless Claims for week of February 7 fell by 8K to 623K compared to survey of a drop by 8K; U. S. January 31 Week Continuing Claims rose 11K to 4,810,000; U. S. January 31 Week Jobless Claims Revised to 631K from 626K; U. S. Continuing Jobless Claims at Record High.Business Inventories:U. S. December Business Inventories fell 1.3% compared to expectations of a drop by 1.0%.At the NYSE closing bell on the New York Stock Exchange, here is how the major world indices and major U.S. stock indices ended the trading session on the world markets as well as the emerging markets including the stock market closing bell price:DOW (Dow Jones Industrial Average) loss of 6.77 points to end the trading session at 7,932.76NYSE (New York Stock Exchange) gain of 3.67 points to end the trading session at 5,256.35National Association of Securities Dealers Automated Quotations (NASDAQ) gain of 11.21 points to end the trading session at 1,541.71S&P 500 (SPX) gain of 1.45 points to end the trading session at 835.19BEL 20 (BEL20) loss of 41.02 points to end the trading session at 1,843.00CAC 40 (CAC40) loss of 63.38 points to end the trading session at 2,964.34FTSE100 (UKX100) loss of 32.02 points to end the trading session at 4,202.24NIKKEI 225 (NIK/O) closed Feb 11 - loss of 23.09 points at the end the trading session at 7,945.94New York Stock Exchange (NYSE) stock market indicators for the trading session today:Advanced stock prices 1,384, declined stock prices 1,668, unchanged stock prices 118, stock prices hitting new highs 4 and stock prices hitting new lows 120. NYSE quotes for volatile stocks and market trends, as well as stock quotes, stock prices and stock symbols of Day Trading Stock Picks on the New York Stock Exchange stock market for Day Trading online and active Day Trading for those who are or would like to be Day Trading for a living: Devon Energy Corporation (NYSE: DVN) stock price shed 0.86 points on the trading session, high on the trading session $52.08, low on the trading session $50.15, with a closing stock price at $51.77; Rio Tinto (NYSE: RTP) stock price shed 0.91 points on the trading session, high on the trading session $112.30, low on the trading session $102.18, with a closing stock price at $111.89; New Oriental Education & Technical (NYSE: EDU) stock price shed 12.37 points on the trading session, high on the trading session $43.33, low on the trading session $38.04 with a closing stock price at $40.76; Terex Corporation (NYSE: TEX) stock price shed 4.17 points on the trading session, high on the trading session $10.80, low on the trading session $8.65, with a closing stock price at $9.45; ITT Educational Services Incorporated (NYSE: ESI) stock price shed 5.94 points on the trading session, high on the trading session $124.32, low on the trading session $114.40, with a closing stock price at $123.06; ProShares Ultrashort Financials (NYSE: SKF) stock price gained 1.65 points on the trading session, high on the trading session $150.38, low on the trading session $134.40, with a closing stock price at $135.14; ProShares Ultrashort S&P500 (NYSE: SDS) stock price shed 0.11 points on the trading session, high on the trading session $83.40, low on the trading session $78.17, with a closing stock price at $78.41; MasterCard Incorporated (NYSE: MA) stock price shed 2.18 points on the trading session, high on the trading session $162.15, low on the trading session $155.15, with a closing stock price at $161.80; Direxion Financial Bear 3X (NYSE: FAZ) stock price gained 1.09 points on the trading session, high on the trading session $51.44, low on the trading session $44.24, with a closing stock price at $44.64; CME Group Incorporated (NYSE: CME) stock price gained 7.62 points on the trading session, high on the trading session $194.33, low on the trading session $181.27, with a closing stock price at $192.90.National Association of Securities Dealers Automated Quotations (NASDAQ) stock market indicators for the trading session today:Advanced stock prices 1,369, declined stock prices 1,333, unchanged stock prices 171, stock prices hitting new highs 8 and stock prices hitting new lows 138. NASDAQ quotes, volatile stocks and market trends, as well as stock quotes, stock prices and stock symbols of Day Trading Stock Picks on the NASDAQ stock market for Day Trading online and active Day Trading for those who are or would like to be Day Trading for a living: Strayer Education Incorporated (NasdaqGS: STRA) stock price shed 39.22 points on the trading session, high on the trading session $195.99, low on the trading session $179.01, with a closing stock price at $186.65; Asia Holdings Incorporated (NasdaqGS: ASIA) stock price gained 2.46 points on the trading session, high on the trading session $12.77, low on the trading session $11.00, with a closing stock price at $12.74; Buffalo Wild Wings Incorporated (NasdaqGS: BWLD) stock price gained 7.00 points on the trading session, high on the trading session $29.56, low on the trading session $27.11, with a closing stock price at $28.91; Apollo Group Incorporated (NasdaqGS: APOL) stock price shed 0.10 points on the trading session, high on the trading session $82.96, low on the trading session $76.35, with a closing stock price at $82.26; First Solar Incorporated (NasdaqGS: FSLR) stock price shed 1.36 points on the trading session, high on the trading session $146.37, low on the trading session $139.78, with a closing stock price at $145.50.Market trends on the American Stock Exchange (AMEX) and stock market indicators for the trading session today:Advanced stock prices 218, declined stock prices 327, unchanged stock prices 67, stock prices hitting new highs 6 and stock prices hitting new lows 14.Chicago Board of Trade Futures Market for the day, at time of this posting:E-mini S&P 500 (ES) Mar 09: End of trading session price 83250; Change for the trading session -0.25E-mini NASDAQ-100 (NQ) Mar 09: End of trading session price 1,240.25; Change for the trading session 17.00E-mini DOW $5 (YM) Mar 09: End of trading session price 7,903; Change for the trading session 7E-mini S&P MidCap 400 (MF) Mar 09: End of trading session price 509.20; Change for the trading session 4.90E-mini S&P Small Cap 600 (HS) Mar 09: End of trading session price 7,760; Change for the trading session -25World Currencies for the Forex Market, for Forex Trading by active Forex Traders, at time of this posting:Euro 0.7781 to U.S. Dollars 1.2851Japanese Yen 90.9500 to U.S. Dollars 0.0110British Pound 0.7018 to U.S. Dollars 1.4249Canadian Dollar 1.2439 to U.S. Dollars 0.8039Swiss Franc 1.1637 to U.S. Dollars 0.8593COMMODITY MARKETS:Energy Sector - Nymex:Light Crude (March 09) shed $1.96 on the trading session for a closing price of $33.98 per barrel ($US per barrel)Heating Oil (March 09) gained $0.01 on the trading session for a closing price of $1.33 a gallon ($US per gallon)Natural Gas (March 09) shed $0.05 on the trading session for a closing price of $4.48 per million BTU ($US per mmbtu.)Unleaded Gas (March 09) gained $0.01 on the trading session for a closing price of $1.28 a gallon ($US per gallon) Metals Markets - Comex:Gold (April 09) gained $4.70 on the trading session for a closing price of $949.20 ($US per Troy ounce)Silver (March 09) shed $0.01 on the trading session for a closing price of $13.51 ($US per Troy ounce)Platinum (April 09) shed $2.80 on the trading session for a closing price of $1,078.00 ($US per Troy ounce)Copper (March 09) shed $0.01 on the trading session for a closing price of $1.53 ($US per pound) Livestock and Meat Markets - Chicago Mercantile Exchange (cents per lb.):Lean Hogs (April 09) gained 1.53 on the trading session for a closing price of 63.80Pork Bellies (March 09) gained 1.13 on the trading session for a closing price of 82.10Live Cattle (April 09) shed 0.10 on the trading session for a closing price of 87.55Feeder Cattle (March 09) shed 0.25 on the trading session for a closing price of 95.15 Other Commodities - Chicago Board of Trade (cents per bushel):Corn (March 09) shed 2.25 on the trading session for a closing price of 366.25Soybeans (March 09) shed 9.50 on the trading session for a closing price of 968.50BOND MARKET:2 year Bond Closing price 99 30/32, change 0, Yield 0.89, Yield change 0.005 year Bond closing price of 99 31/32, change 0, Yield 1.75, Yield change 0.0010 year Bond closing price 99 24/32, change 11/32, Yield 2.78, Yield change -0.0130 year Bond closing price 117 30/32, change -1 13/32, Yield 3.44, Yield change 0.07Access upcoming scheduled economic data anytime by viewing the Economic Calendar from Millennium-Traders, free access to visitors on our website.Visitors may subscribe to our free Weekly MarketNews for a review of the previous weeks trading news plus, view upcoming economic data scheduled for the week ahead.Review current edition as well as, archives of the News & Commentary plus, view complete details of calls made in our Trading Rooms and stock picks from our Swing Trading service. Traders should review our FREE Monthly Trading Lesson posted on our website.Thanks for readingMillennium-Traders.Comhttp://www.millennium-traders.com
(ArticlesBase ID #767778)

U.S. automakers score better on satisfaction index

By Sharon Silke Carty, USA TODAY
DETROIT — A quarterly study by the University of Michigan's American Customer Satisfaction Index shows that Detroit automakers are doing a much better job pleasing customers. Their biggest gains in years have put them on a par with the Asian automakers.
They also led a rise in overall customer satisfaction with automobiles, up 2% to an all-time high of 84 on the survey's 100-point scale. The quarterly economic indicator is based on customer evaluations of product quality.
Ford rose the most among U.S. brands, jumping 3.8% to 83. Volkswagen rose most overall: 6% to 86. Cadillac and Lexus tied at the top with scores of 89. Buick, Lincoln/Mercury and Honda followed at 88, with Honda's 2% gain the only one among Asian makers. Toyota's 86 was flat with last quarter.
Claes Fornell, University of Michigan business professor and head of the index, says it's remarkable that domestic automakers' scores rose given their financial troubles of the last year.
"I don't think we've ever seen such an increase in customer satisfaction for Detroit," he says. "If the satisfaction scores had really dropped, the game would be over. It would be very, very difficult to recover from that."
After struggling on the edge for months, Chrysler and General Motors went through government-financed bankruptcy filings and now are much smaller companies with much less debt. Ford is the one automaker that avoided bankruptcy court.
Fornell says the industry's smaller size — sales are down 32% through the end of July — actually helps the satisfaction numbers go up. The customers sticking with brands are likely loyal customers, he says, and easier to please.
Mark Fields, Ford's president of the Americas, says developments of the past year have raised awareness for the entire domestic auto industry.
"I think in our case, the consumers are seeing new products, they're seeing information from third parties on our quality, and it's all raising awareness," he says. "All of this highlighting in the media every day is helpful to us, given that we have the evidence to back up our claims."

Dow Jones

Dow Jones



The Dow Jones Industrial Average (NYSE: DJI), also called the DJIA, Dow 30, or informally the Dow Jones or the Dow is one of several stock market indices created by nineteenth century Charles Dow. Dow compiled the index as a way to gauge the performance of the industrial component of America's stock markets. It is the second oldest continuing U.S. market index, after the Dow Jones Transportation Average, which Dow also created.
Today, the average consists of 30 of the largest and most widely held public companies in the United States.
Looking at the daily graph of the Dow, we can see that in May- June there were always big turns. Let us check the first trade chart of the Dow to see what planets caused these turns:
12 May 2004 till 23 June 2004 transiting Mercury, which is also ruler of Asc. Is applying to natal Sun, and conjuncts it on 24 June. Transiting Jupiter applies to natal Sun, which is exact on the 23rd. The Dow went up from 9822 to 10530.
13 May 2005 till 17.June 2005 Transiting Mercury applied to Natal Sun and conjunct it exactly to date. Beneficial Venus had her role here as well, also conjunct natal Sun on the 13th. Jupiter at this time was already squaring the Sun, so the uptrend from 10140-10710 was stopped.
10 may 2006 until 13 June 2006. Now what happened this year? Wasn't Mercury there to do the job? Or Jupiter? Sure they were, but stronger planets came on the stage! Transiting Uranus opposed natal Mars, on the Asc, and that is no doubt more forceful then easy-wizzy Mercury. Of course there should be more than one reasons for all movements. And there were! Saturn on the Dow's Jupiter, brought his depression as well, so the Dow fell from a high of 11684 to 10706.
13 March 2007 till 4 June 2007 After the full moon there was a run-up of 82 days as if there is no tomorrow, and something has to be accomplished. Well there were a few reasons. Transiting Venus gets closer to natal Sun, but mainly Pluto turns retro and ingresses again Sagittarius, Mercury from stationary turns direct, and applies to tr. Sun, Neptune in the sky form a sextile with Venus, and many more positive angles, which resulted in an uptrend of 12070 to13692.
22 May 2008 - ?? today Mercury is separating from natal Sun, will turn direct on the 19 June, transiting Uranus is opposing natal Uranus, a position which occurred only in June 1925, not only that, Uranus turns retro and will " iron" this point till 26 Nov.08, and its effect will be felt after Feb 2011. Maybe the whole structure of the Dow or the trade will be changed during this period.
On the long term, the Dow is on the support line from July 2003.
Should this line be broken, or 11635, we will have to recalculate our pros and contras.





(ArticlesBase ID #436438)

Index

Some Good Questions and Answers About the Glycemic Index and the Glycemic Index Diet

Over 165,000 searches are done online each month for the term glycemic index. That means a lot of people are curious about this. As they should be. It also means that a lot of people are confused about it… and they shouldn’t be.
Here are four questions and answers that hopefully will clarify some of the “mysteries” surrounding the glycemic index. Let’s start with…
What’s the Glycemic Index Diet?
The most important thing to know about the glycemic index is that it is not really a diet. You can use the glycemic index list to guide your diet and show you what foods are likely to work best for you.
The power of the glycemic index is that you can use it to choose your foods wisely, because it shows you which foods will have the greatest impact on your blood sugar.
Use the glycemic index chart to find those foods with the lowest glycemic index. For best results, stick to foods with a glycemic index of under 50. Occasionally, you will eat something with a higher index, but you will probably be OK if you eat foods under 50 most of the time.
What’s missing from the glycemic index diet?
If you have been using the glycemic index food list to look up your favorite foods, you may have noticed something’s missing. There are almost no meats, or other protein foods, for that matter.
My first thought when I noticed this a couple of years ago was that the glycemic food index was simply unfinished. There will always be more foods that could be added, but that’s not the reason.
The real reason is that the glycemic index of foods is all about carbohydrates. Meats and other proteins are not listed on the index because they raise your blood sugar so slowly that they don’t make a measurable difference to your blood sugar over the first hour or two after eating.
The glycemic index list of foods is another way to think about planning your meals and snacks. Remember to include protein, and choose low-GI carbohydrates.
How does what you do affect the glycemic index of the foods you eat?
You may have glanced through the charts and tables and made some adjustments to your diet. But did you know that your food preparation methods may be affecting the glycemic index of the food you eat? The more your food is modified, the higher its glycemic index will be.
In the extreme case, imagine that you are eating a handful of wheat heads directly from the field. Probably not pleasant, but you could if you wanted to. Now imagine eating a tablespoon of flour. The very act of turning the wheat into the soft, fine flour removes almost all of the fiber, and the flour will raise your blood sugar much faster than the handful of natural wheat will.
In the same way, although to a lesser degree, grinding and cooking our food raises its glycemic index.
Some examples of ways to maximize the fiber in your foods and keep the glycemic index as low as possible:
-When you cook pasta, cook it for the minimum possible time. It should still be firm, not mushy.
-When preparing vegetables or fruit, use the skin or peel if you can.
-When possible, eat your vegetables raw (lots of salads).
-When cooking vegetables, allow them to retain a little of their crunch—imagine the best stir fry you have ever eaten—and you will keep some their fiber, too.
Although the carbohydrates you eat have each been assigned a number on the glycemic index, remember that you have some control over just how quickly or how slowly they turn into sugar in your body.
What is glycemic load?
The concept of Glycemic Load (GL) was developed in response to concerns that large amounts of low glycemic index foods might still cause unacceptable increases in blood sugar levels. The glycemic load index links serving size to the glycemic index so that it is easier to use.
Carrots, for example, have a very high glycemic index, (higher than white bread), but this was measured with 50 grams of carbohydrate. Since one carrot only has about 4 grams of carbohydrate, you would have to eat a lot of carrots to get a huge blood sugar response.
Pasta, on the other hand, has a low glycemic index compared to carrots, but a serving of pasta contains about 40 grams of carbohydrate. This means that the blood sugar response you will have with a plate of pasta will be several times higher than even a whole serving of carrots.
If you’re at all concern about what you eat, your weight, your blood sugar level, and your health in general, it’s a great idea to consult a glycemic index list and choose your food wisely.
Eat well, be well, live well!
Daniel G. St-Jean
Editor of Help For Hypoglycemia
Publisher of the Help For Hypoglycemia Blog
(ArticlesBase ID #618196)