A Market Data APIMaking an Interactive Financial Information Display Possible on Your Website

Why do you need a market data API in order to display financial data on your website? An API is an Application Programming Interface, an essential part of the interactivity of Web 2.0. A programming interface is like a foreign language translator-It allows one computer operating on one system to talk to another computer operating on another system. Imagine how complex this can be when computer systems are communicating with market data. When you are providing financial information on your website for your visitors, APIs are necessary to display all but static, non-changing information.

Look for a market data solutions provider that can offer several different code-based APIs or SDKs (Software Development Kits) to ensure that you can connect with data feeds and tickers for real-time, delayed, end of day, and historical information. Having access to a .Net, Java, or COM/Win32 API will make this communication more easeful. APIs should have both a server side component as well as a client-side component.

Sample code should be provided with source code available for your tech team.

Consult with your tech team first to determine whether your system would most easily connect to a .NET, Java, or COM/Win32 API. Then find the market data solution firm that can provide the appropriate API for your system. If you need a .NET API to receive market data, make sure it is written in fully manageable C# code and built within a .NET 2.0 framework. If it is a Java API that you need, of course, make sure it is written in pure Java. No external native libraries will be needed. The Legacy COM/WIN32 API should be available from your market data solutions firm if your system requires this type of interface.

If this all sounds like a lot of mumbo jumbo to you, just make sure that the market data solutions company that you select offers complete code samples, documentation, and complete customized tech support, regardless of the market data API available. Broadcast feeds should come in a format that compresses and consolidates direct feeds from any exchange. Check to be certain that they offer financial data feeds in raw or original exchange format, utilizing HTTP transfer in XML, CSV, and FTP. And most importantly, make sure that the data you receive is the most timely, accurate data available. Your data solutions firm must provide reliable figures, with transactions, inserts, and corrections reported as they are reported by the exchanges. Visit BarchartMarketData.com, where you’ll find more information about each marketdata API available and how to get started on posting your own white-label financial data feed on your company’s website.

Colin Snider lives in New Orleans, Louisiana. He is a promoter for local venues, including concert venues and clubs, in the city. Football is his favorite sport and he is a hardcore Saints fan. He also enjoys trading and investing in the stock market and relies of end of day data to make financial decisions

Linked In Basic Marketing Blunders

Like me, have you received email invitations like these?

> I’m using LinkedIn to keep up with my professional contacts and help them with introductions. Since you are one of the people I recommend, I wanted to invite you to access my network on LinkedIn.
>
> Basic membership is free, and it takes less than a minute to sign up and join my network.

I’ve received well over 35 invitations like this, worded almost precisely the same way. The senders have acted surprised and offended that I did not leap to take advantage of this invitation.

Let’s look at the problems in this invitation from a marketing point of view.

* Almost all of the invitations I received were from people whose names I did not recognize. Why would I want to be part of their network? The invitation doesn’t say who they are, who they have access to and how I would benefit from their network.

* What is Linked In, how does it work and what are the benefits of using it? No one has yet explained this clearly in their invitation. You cannot expect that someone receiving this invitation understands what you’re asking them to join or how it would be advantageous to them. It would be helpful to have a paragraph or two describing how it works and citing a specific result the person behind the invitation enjoyed from membership. It may be that people assume that since “basic membership is free,” the typical recipient of this invitation will go ahead and join. But even if it doesn’t cost money, joining would take time. You still need to “sell” people on taking a free action, especially with respect to an activity or organization that may be unfamiliar to them.

* No one took the time to head off possible misunderstandings or objections to this membership. As a non-member of Linked In, I am concerned that joining would open me up to a lot of email and phone calls in which I would have no interest and that would waste my time. Again, you can’t assume that something free is thereby enticing; you need to imagine why someone might have doubts or dismiss the idea and address those objections.

* Using a canned invitation that is almost exactly the same as everyone else’s doesn’t make a good impression. Even if the text provided by Linked In were effective, which it’s not, you’d want to give it your personal stamp.

Other than being irritated that they are apparently encouraging people to send invitations that make little sense, I have nothing against Linked In. Perhaps it’s a useful organization. My point is that its members need to use common sense and fundamental marketing principles to encourage busy, skeptical people to give it a chance.

Indias Growth In The Advertising Industry

The Indian advertising industry as it stands today is all about business. It has grown from being a small-scale business to a full-grown industry. It has come up as one of the key industries and tertiary sectors and has expanded its reach be it with respect to creative branding, the capital deployed or the workforce involved. Advertising firms in India, in no time have carved a niche for themselves and set themselves on the world map. It is one of the key factors to improve your business.

Advertising agencies in India with an estimated value of es13, 200-crore has astonished many the world over with some astounding work that has emerged in the recent past. The creative minds in Indias creative branding agencies have produced some unbelievable concepts and work that can be considered as masterpieces in the field of advertising.

Event management in the country too has taken a leap. Print Media agencies, Outdoor Ad agencies and PR companies all have come a long way from being small and medium sized industries to becoming well known brands in the business. Various advertising firms, PR agencies, outdoor ad agencies in India have emerged as some of the top agencies of the country.

The Indian economy is on an upswing and the market is on a constant path of growth. With the market expanding, Indian advertising agencies have much to cheer. Businesses are turning to advertising firms to cash in on profitable business opportunities. Expansion in business has resulted in a consequent boom in the advertising industry as well.

Advertising agencies in India today deal with national and international projects. This is essentially due to the fact that the industry offers a range of functions to its clients that cover end to end solutions including client servicing, media planning, media buying, creative conceptualization, pre and post campaign analysis, market research, marketing, branding, and public relation services.

Given the present pace at which the Indian advertising firms are moving the industry is geared to witness a significant boom in the times ahead. If the pundits are to be trusted then the industry in the times to come will be a key contributor to the GDP. With al this there is definitely no looking back for the Indian advertising industry that is all set to win accolades from the world over.
Indias online advertising market worth Rs. 250 crores, India mobile advertising is Rs 40 crores. Internet advertising, already a $15-billion industry in the US, is set to see a big boom in India. According to a media reports, internet advertising stood at Rs 215 crore last year (a 43 per cent growth over the previous year), but industry watchers say that it could grow more than ten-fold (to Rs 2,500 crore) by 2011. Mobile advertising, which is hot in India simply because, for every internet user there are five mobile phone users, is also projected to grow from Rs 40 crore currently to Rs 500 crore by 2011.

High Definition Television Has A Role In Advertising And Marketing

Television, the mass medium for news, views, information and entertainment, and being one of the most effective methods of reaching the masses, plays a significant role in the marketing and advertising industry.
Television, which has the added advantage of sight and sound
against other media like print, bill boards, mailers, looks indispensable for marketing and advertising industry as the main promotional activities of these sectors are currently being done through TV.
In India, television commands 72 per cent of the urban Indian’s time spent on media. The reach of television has grown by 12 per cent since 1999. Cable and satellite penetration has risen from 29 million in 1999 to 40 million, a 31 per cent growth, which is more than double the figure of television’s rate of growth. Around half of all homes in India with televisions now have cable and satellite subscriptions. This shows how TV is important for advertising and marketing industry apart from news magazines etc.
As the television covers more and more houses both in urban and rural areas by days, there comes its more developed digital format – the high definition television.
High definition television gives high quality picture on the screen and the quality of the sound is also superior to that of a regular TV set.

Higher picture sharpness, larger picture, more colors, wider picture, multi-channel digital CD quality sound are some of the feature of the High definition television. Types of high definition television include direct-view, plasma, rear screen, and front screen projection.
Under the high definition television, standard pictures become six times the resolution of a regular TV set. High definition television set presents a 720 to 1080 lines of resolution compared with just 525 lines presented on a regular television set. Motions are smooth and the picture becomes clear enough to sit very close to a very large screen. The picture is displayed in a panoramic 16:9 horizontal-to-vertical aspect ratio to be more like movies and add the feeling of realism to TV.
To know more about the topic, get a copy of Pitch, a monthly magazine on media, marketing and advertising, or log on to www.pitchhonet.com. Pitch provides news and the latest trends in marketing and advertising industry. It publishes interviews of prominent business personalities, tells about popular brands, gives reviews of business related books, highlights on new advertising campaigns, etc. The magazine is published by exchange4media, India’s premier portal providing news, views and analytical information.

How To Become A Successful Financial Service Professional Or Research Analyst

In todays world, more and more companies are on the look out to employ financial consultants to effectively meet the accounting/investing needs of their corporation. Hence, job opportunities for a financial consultant are significantly on the rise. By becoming a financial advisor, one can set foot into the exceedingly dynamic sector of financial management and planning.

In the domain of financial management and planning one can find jobs such as a :-

Financial service provider

Research analyst

Financial consultant

Whilst hiring a the following skills and capabilities are sought after by the employers-

In the highly dynamic field of financial management and planning a professional must have the ability to attend to detail, organise and handle multiple tasks together.

The capability to find out the logic behind a problem or situation is a must for financial consultants.

An upcoming financial advisor must be competent in the monitoring of securities, trading of money and analysing of the stock market. A Financial service professional must have the ability to recognise trends in the stock market and generalise from it, rationalise the reason behind the trends and predict the time period of these trends. This process is beneficial for both corporate and personal investors to make informed decisions.

A vital aspect of the domain of financial services is to help customers understand the market and to make secure and precise predictions. It is to be noted that making predictions about future trends is often indistinct and at times can be risky. But the skill of a good financial service professional is that he has the ability to foresee significant features of the market and has a good overall perception of issues that are likely to affect this market.

Assisting private investors is a major part of the work profile of a financial service professional. Hence the financial professional is expected to have specialised knowledge of tax laws, alterations that are probable to take place to the existing tax laws and influence of these changes on estate planning / investment.

A good understanding about investments/insurances/complexity of the stock market is a vital skill which is required in order to be a successful financial service professional.

Good communication skill is also another crucial factor for becoming a proficient finance professional.

The qualifications required to work as Financial Service Professional is a Bachelor’s Degree in Business Administration or Economics or similar. Additional knowledge of global markets and corporate finance, in-depth know how of economics and analysis of risk, trading in the forex market and commodities market is an added benefit.

These are the basic skills you ought to possess for exploring your opportunities in the wide arena of Financial Management and Planning and becoming a Financial Services Professional.

Out of Home Advertising Spotlight — Truckside Advertising

Truckside advertising campaigns are used to broaden the reach of a national, regional or local campaign. They add variety, frequency and value to a broadcast campaign or can stand alone as very efficient campaigns.

For those trying to “go green,” truckside advertising is a great, though often overlooked, alternative to mobile billboards. Truckside ads are posted on working trucks that will be out regardless, while mobile billboards are on trucks that operate solely for advertising purposes.

Benefits of the Medium –

Truckside advertising can be used as a broad branding medium or as a target-specific medium (such as retail trading zone areas). If advertisers want to add a bit more to their truckside campaign, event promotional options can make great additions.

Truckside advertising is not confined to any demographic market or geographic location, so the reach is endless. This mobility allows for coverage where other types of OOH may not be available.

Truckside also provides the option of a national mass reach campaign, known as “Over the Road”. This flexibility in campaign execution makes truckside advertising appealing to both large national companies and smaller companies alike.

Many national advertisers caught on to the concept years ago when trying to get their brands in front of consumers in a timely, efficient manner. Truckside easily accomplishes that task because of mobility — an advertiser’s message can travel from New York to Los Angeles on one media vehicle. Plus, posting full-color graphics to trailers allows for greater impact.

How It is Purchased –

* An advertiser can buy General Market GRP showing levels.

* An advertiser can purchase dedicated routes to reach specific demographic targets or geographic areas. These smaller routes make it an efficient medium for local and regional companies.

* “Over the Road” advertising can be used as a mass medium to reach markets across the U.S. by purchasing a campaign along Interstate routes. It can also be used for Regional coverage.

Markets Available –

Market availability is unlimited. About 95% of the U.S. population can be reached using truckside advertising.

How it is Measured & New Technology –

Tracking systems (such as GPS) have been available for a number of years. However, new companies have emerged that measure audience circulation, impressions during a certain period, and other types of campaign auditing. Some fleet media companies offer online Internet systems allowing advertisers to pinpoint the location of their mobile fleet ads in real time. Some services can also provide data that can be interfaced with other databases to produce demographics by route, fleet or time of day.

SAMI (Satellite Automated Media Information) web-based technology, for instance, addresses the needs of agencies and advertisers by providing credibility through audience measurement and tracking. It allows advertisers to schedule, track, sell and audit their truckside advertising campaigns. Proof-of-Performance reporting is available next day, including maps and digital photos. One company currently offering SAMI technology is Moving Images Media, with truckside advertising available everywhere in the U.S.

Can Network Marketing Make You A Billionaire Tough Mlm Questions Answered

Multi Level Marketing is no easy ride, but with commitment to achieving your success, a Network Marketing opportunity can be the best thing you decide to join. Multi Level Marketing promises so much, and Multi Level Marketing can deliver as long as you commit to your success.

MLM is a business system in which consumer products are sold by the distributors who have signed up with the company. The distributors have the option to sell a minimum or more amount of products each month to generate commissions. Multi level marketing is a great way of earning a living from the comfort of your home. This is because a company will provide you with good quality products, which you will sell to make money.

MLM is, at its core, a business just like every other internet marketing venture you’ve taken on. But you can do these things the right way and begin earning the money you thought you would. Multi level marketing is known as network marketing. This is a kind of business where franchising and direct selling are combined. Multi level marketing is NOT a scam, the Federal Trade Commission only considers a company to be scandalous if they promote a “pyramid scheme” designed with the sole purpose of promoting a pyramid and nothing else.

MLM is a fabulous business opportunity for individuals who are eager to make their own judgments about what a network marketing company has to offer. They can move ahead quickly if they start their own network marketing business without forcibly sticking to old-fashioned marketing practices and giving themselves room to be flexible about implementing new methods. Multi-level marketing is the biggest growth industry in the 1980’s. It has been termed as the last true rags-to-riches opportunity left in North America, and its ability to bring enormous incomes to almost anyone is legend. Multi-level marketing is an enterprise system which puts emphasis on recruiting distributors. It is commonly used by the industry, and this term implies that success depends on building a distributor interconnection and those payouts occur at two or more levels.

Network marketing is quite simply using your relationships to sell a product or service. Network: People’s network is the backbone and the soul of MLM. Word of mouth and trust play major roles in the success of MLM. Network marketing is just the opposite. In the beginning, you do a lot of work building a foundation, getting a team started and what not, work that you don’t get paid for, or at least not enough for.

Network marketing offers home based representatives the opportunity to get paid from other peoples efforts, not just their own.

Life Insurance The First Item On Your Bucket List!

A bucket list is defined as a list of the things you would like to achieve before you die, or before you ‘kick the bucket,’ so to speak. The term was popularised by the 2007 film The Bucket List, starring Jack Nicholson and Morgan Freeman. Whether it lists one item or 10, a bucket list details your dreams and goals for your time on this earth. Parachuting, climbing Everest or owning your own home, bucket lists are as varied and diverse as the people who draw them up. A bucket list assumes that we will lead full lives, that we will be blessed with the 10, 20 or even 30 years we need to tick off all the items on our list. Sadly, for many people, this is not the case and our lives are often cut tragically short. It is for this very reason that the first item on your bucket list should be to invest in life insurance.

Every plan we make and every dream we have assumes that we will live to a ripe old age. Our career path, our dreams of the time we will spend with our grandchildren and our retirement planning all work on the assumption that we will be granted the biblical ‘three score and 10 years’ or 70 years on this earth. While we all know that death is always just a hair’s breadth away, we very rarely face up to or plan for this reality. As a parent and breadwinner, however, planning for your own death is essential.

As a parent, caring for your children is one of your first priorities. You earn the money they need to survive, you care for them when they are ill and spend hours helping them with their homework. You are their anchor and their shelter in this world, ensuring that they are clothed, fed and sheltered. Your job as a parent is not done, however, if you have not planned for the day that you are not there to look after them, the day that you pass away before they are old enough to look after themselves.

To ensure that your family has the funds they need to stay financially afloat in the event of your death you need to invest in a life insurance policy. Your life insurance payout will help your partner or spouse carry the cost of supporting the family on one salary. It can be put towards living expenses, school and university fees and healthcare. It can even be used to pay off some of your unpaid debt.

While it is important to plan for the future, to list your dreams and goals, it is also important to plan for your untimely death. Invest in a life insurance policy today.

Claims Payment Record Of The Private Insurance Companies

As we know, there are 20 odd private life insurance companies in India, and there is LIC which is a public sector company. LIC is the 800 pound gorilla, managing to hold on to about 75% market share even 10 years after private companies have been allowed into the life insurance space. The private life insurance companies position themselves on being more customer friendly, wider array of products etc while LIC holds on to its positioning of trust, experience and government backing. One of the key parameters on which to judge a life insurance company is their claims payment record. At the same time, we must note that given that life insurance has become more of a savings and investment product, the returns that they provide are perhaps more important than claims payout ratios. Nevertheless, claims record is definitely not a variable to be ignored.

A table illustrating the claims rejection percentages of the top life insurance companies in 2009-10 is presented below:

Life Insurance Company
Claims rejection ratio (%)

LIC 1.21%
Aviva 9.75%
Bajaj Allianz 5.2%
Birla SunLife 10.62%
HDFC Life 4.67%
ICICI Prudential 3.27%
ING Vysya 4.26%
Kotak Mahindra 4.29%
Max New York Life 12.31%
MetLife 5.94%
Reliance Life 7.05%
SBI Life 14.75%
Tata AIG 12.3%

An important observation from the above table is that the claims rejection ratio of LIC is the lowest, thus implying that their record is the best as far as claims payment is concerned. At the same time, the very high percentage of claims rejection of SBI Life and Max New York Life surely comes in as a surprise.

It must however be noted once again that in Unit Linked products that life insurance companies promote aggressively (or at least was promoting till Sep 2010) , the returns earned on the fund is perhaps a more important variable than the claims payment (or rejection) ratio. However, for non life insurance companies, which offer pure protection/insurance products with no savings or investment component, claims payment is the crucial variable along with the speed of processing of claims.

Let us now look at the incurred claims ratios of the non life insurance companies:

Non Life Insurance Company
Incurred claims ratio

New India Assurance 89%
Oriental Insurance 99.69%
United India Insurance 78.62%
National Insurance 99.16%
Royal Sundaram 68.95%
Reliance General Insurance 77.3%
Iffco Tokio Insurance 83.44%
Tata AIG 60.54%
ICICI Lombard 85.35%
Bajaj Allianz 71.9%
HDFC Ergo 80.73%
Bharti Axa 104%%

One data point that stands out from above is that Tata AIG General Insurance seems to be sourcing the best quality business from the underwriting point of view, whereas the claims payment ratio of Bharti Axa seems to be quite high. Alo,the claims payment ratio of the public insurers, at an overall level, is higher than that of the private non life insurers.

Get Insurance For Adverse Financial Outcomes

In todays world people are very much familiar with the term insurance. Whether it is for life, health, vehicle, fire, disability or liability, insurance serves as financial tool for securing your life and property. It is a cover used for protecting you and your family from rising unexpected health expenses or certain life outcomes.

Simply we can say that insurance is used for managing the possible risks of future. It is an important part of your personal finance strategy. The money invested in insurance works like your emergency fund. It protects you from unforeseen circumstances for which you are not prepared. In this article, you will get to know why insurance is worth considering and how your financial needs are taken care by insurance policies.

Why insurance is taken?
It is important to understand that risk is a part of any persons life. Throughout your life you may face many kinds of risks such as financial losses, accidents, falling ill, etc. It is also necessary to know that risk increases as a person becomes old along with the increase in responsibilities. So, insurance is taken for such unexpected events and to maintain a good quality of life even while going through unforeseen adversities.

A rich person need not have insurance. Only the not so rich or poor need it to take care of his/her financial needs in unfavorable conditions. Insurance helps you to take care of the situations where large amount of funds may be required and it would be difficult or not possible to arrange money in that situation. So, in that condition, your financial needs are taken care by insurance.

Insurance is a security for your life and property
Every stage of your life needs insurance. Not taking insurance is like gambling with your savings. We believe that insurance is needed when income is low and financial needs are large, due to some negative outcomes. It is a good thing if you never have to en-cash insurance. Though insurance can take care of financial needs there will be still other non-financial negative outcomes that insurance cannot help.

With the help of insurance you can secure yourself and your family from unexpected and unfavorable conditions. Think practical and bear in mind that it is better to pay small premiums now than to pay huge amounts in future.

Plan to have adequate insurance
You should not take insurance as an investment tool, rather you must consider it as a personal financial tool that helps you to take care of your financial obligations and to maintain your familys living conditions, in the event of negative circumstances. A right kind of insurance with an adequate amount of coverage must be obtained. For this, you must evaluate your unique financial and family circumstances.

Having insurance is a way of protecting your quality of life and valuables. By this time you may have realized the importance of getting insurance to have financial peace even in unforeseen circumstances.