Thursday, May 26, 2011
Tuesday, May 24, 2011
Free Online Search Analysis Tools
Google Insights
Google Adwords
Hitwise
KeyComplete
SEMRush
MSN AdCenter
WordTracker
SpyFU
Based on an article by Anand @ http://www.dailytut.com/technology/top-10-free-online-keyword-search-analysis-tools.html
Soliciting Family and Friends for Capital
1. Choose a strategy.
Do you want to solicit large chunks of money from a few investors, or small amounts from many?
There's less pressure associated with small sums. "You're less likely to ruin a relationship over $25," says Cornelius McNab, founder of Atlanta-based 40billion.com, which facilitates friends-and-family loans and gifts. Most of the site's fundraisers target a few dozen people for sums between $100 and $500 apiece.
But typically only 10% to 20% percent people asked will contribute. So if you want to raise, say, $5,000 at $100 per backer, you'll need to woo 50 people. This means reaching out to 250 to 500 people.
Contacting a smaller, more targeted group for larger sums may require more gumption and planning upfront, it could be easier for the time-strapped.
San Francisco entrepreneur James Lee raised more than $1 million from friends and relatives in 2008 for his venture sale.com. He sat down to casual meetings, often over coffee, with 15 people and persuaded 10.
2. Choose an investment type.
When you accept money from others, strings will be attached, no matter how you structure the transaction.
Consider whether you want to accept and pay back loans, have your friends and family own an equity stake, or offer up a token of thanks -- say, some amount of free access to your product or service in exchange for a gift.
If you take on investors, you may have to give up a portion of your company, and perhaps make one or more board members. Even friends and family will want a return, which can mean eventually selling the company, buying back shares or paying dividends.
Loans have to be paid back on schedule, which can have an impact on cash flow and profitability. If you go the microfunding route, you could be juggling 50 of them.
Even gifts aren't free of strings. If you do accept them, thank the giver profusely in writing and acknowledge that the money is a gift rather than an investment or promissory note, says Denise Beeson, who teaches small-business management at Santa Rosa Junior College in California. "Just think if you gave Bill Gates some start-up funds. Would you want, after the fact, a return on your money? You bet," she says.
3. Write down your pitch.
Unless your friends and family are professional investors, they probably don't want to read a 50-page business plan. More likely, they'll prefer to sit down with you over coffee and hear you explain your idea, as Lee did.
Lee says that because his backers were people who knew him well and "were essentially investing in me," they didn't require a business plan.
To avoid being too informal, McNab suggests drawing up a five- to 10-page document that sums up what you want to do, how you'll do it and what you'll apply the money toward. Such a summary ensures you've made important disclosures, such as the key challenges, risks and competition the business faces, and that your backers understand what their money is going toward.
4. Keep your documents and communications business-like.
When you're dealing with people you know well, it's easy to want to keep agreements informal out of concern that official documents might make things feel less friendly. But don't be too casual.
If you don't want to involve a lawyer (but if equity is involved, you should), you may want to consider trying websites such as 40billion, Caplinked or LendingKarma that can help you structure, document and manage investments from friends and family.
5. Manage expectations.
Another upside of bringing in friends and family is that they are typically more patient than professional investors. "When we failed at plan A and at plan B, these people weren't looking for our heads," Lee says.
It's a good idea to send a monthly email update to your backers, even if they've given money as a gift, says McNab. Lee, for example, makes a point of reaching out to all of his backers informally about once a month by email, phone or get-togethers.
Be honest about what's going well and what could be better. You might want to raise more money later, and it can be easier if your backers have been able to watch your progress. "I've seen people ask for and get more from their backers in later rounds," McNab says.
If things aren't going well, friends who have a stake in your success are more likely than others to provide the advice, contacts or referrals you need to turn things around. Says McNab, "These are the people who will try to help you if they can."
Sunday, May 22, 2011
How to Be a Better Investor
Learn to read markets.
Managing money is as much art as it is science. Anyone can study investment analysis, said Brown. But when he looks to hire a money manager, he looks for an elusive sixth sense that can't easily be taught. Those who have it see the market as a mosaic, he said. They're able to assemble disparate and often conflicting pieces of an economic, political, psychological and social puzzle. "You have to be able to assemble all of these various pieces of information, make some sense out of them and make a rational decision," said Brown. "It's hard to find that kind of talent."
Deal with your mistakes.
Confidence is important but must be balanced with humility, said Cates. Otherwise, you're undone by your mistakes, instead of schooled by them. "You've got to take mistakes hard," said Laporte, "but you've also got to move on." That's especially true in a business that generates so much feedback. Daily stock prices are more feedback that anyone needs or wants.
Know the Manager
Investors should investigate the decision-making process at the fund. Find out what the specific criteria are for selecting securities. Is management a team effort? Familiarize yourself with the members of the team and how they work together. Are there a couple of superstars? Ask how they're retained and compensated. Lastly, ask how much the managers invest in their own fund, to gauge how aligned their interests are with yours. "That's a huge one," said Cates. If it's not advertised, I'd assume it's not a lot and worry about it."
Be a Contrarian
Every investor fancies himself or herself a contrarian -- the same way everyone's child is above average and all drivers are good ones. But contrarians are that way throughout life, not just in the market, said Cates. Have you ever tuned out the crowd to go your own way? Maybe it's the college you attended or the career you forged or where you chose to live.
Be Patient
Good Investments take time to mature. As Warren said you can't produce a baby in a month by making nine women pregnant.
Be an Investor and not a Trader
Finding good companies at a fair price rather than finding great companies at a lousy price
Based on an article by Anne Kates Smith, Senior Editor, Kiplinger's Personal Finance
Managing money is as much art as it is science. Anyone can study investment analysis, said Brown. But when he looks to hire a money manager, he looks for an elusive sixth sense that can't easily be taught. Those who have it see the market as a mosaic, he said. They're able to assemble disparate and often conflicting pieces of an economic, political, psychological and social puzzle. "You have to be able to assemble all of these various pieces of information, make some sense out of them and make a rational decision," said Brown. "It's hard to find that kind of talent."
Deal with your mistakes.
Confidence is important but must be balanced with humility, said Cates. Otherwise, you're undone by your mistakes, instead of schooled by them. "You've got to take mistakes hard," said Laporte, "but you've also got to move on." That's especially true in a business that generates so much feedback. Daily stock prices are more feedback that anyone needs or wants.
Know the Manager
Investors should investigate the decision-making process at the fund. Find out what the specific criteria are for selecting securities. Is management a team effort? Familiarize yourself with the members of the team and how they work together. Are there a couple of superstars? Ask how they're retained and compensated. Lastly, ask how much the managers invest in their own fund, to gauge how aligned their interests are with yours. "That's a huge one," said Cates. If it's not advertised, I'd assume it's not a lot and worry about it."
Be a Contrarian
Every investor fancies himself or herself a contrarian -- the same way everyone's child is above average and all drivers are good ones. But contrarians are that way throughout life, not just in the market, said Cates. Have you ever tuned out the crowd to go your own way? Maybe it's the college you attended or the career you forged or where you chose to live.
Be Patient
Good Investments take time to mature. As Warren said you can't produce a baby in a month by making nine women pregnant.
Be an Investor and not a Trader
Finding good companies at a fair price rather than finding great companies at a lousy price
Based on an article by Anne Kates Smith, Senior Editor, Kiplinger's Personal Finance
Thursday, May 19, 2011
Q1 2011 Device Market Share
The full report, Apple Overtakes ZTE for 4th Position in Global
Handset Shipments in Q1 2011, is published by the Strategy Analytics
Wireless Device Strategies (WDS) service, details of which can be
found here.
Source: Strategy Analytics
Tuesday, May 17, 2011
What drives the oil prices?
Demand The Organization of Petroleum Exporting Countries (OPEC) and the International Energy Agency estimate the current world demand for oil at between 86 million to 87 million barrels per day in 2008. When the price of oil rises, this decreases demand in the United States, but demand from growing emerging market economies is expected to increase as these countries industrialize.
Some emerging market economies have fuel subsidies for consumers, and an estimated one-quarter of the world's demand for oil in 2008 comes from nations that have such subsidies. However, subsidies are not always beneficial to a country's economy, because although they tend to spur demand in the country, they may also cause the country's oil producers to sell at a loss. As such, removing subsidies can allow a country to increase oil production, thus increasing supply and lowering prices. In addition, cutting subsidies can decrease any shortage of refined products have been alleviated, since higher oil prices give refineries an incentive to produce products, such as diesel and gasoline.
Supply On the supply side, in 2008, approximately 85 million to 86 million barrels of oil were produced each day. The discovery of new reserves in Brazil in 2007 is a bright spot, but the oil fields in Mexico and the North Sea are experiencing steep declines in production.In OPEC, most countries do not have the ability to pump out much more oil. Saudi Arabia, the one exception, has an estimated spare capacity of 1.5 million barrels of oil per day as of 2008.Nigeria has also become important to the oil market, but the country has a history of instability and rebel attacks, which can severely curtail oil production in this country.
Quality One of the major problems the oil market faces is the lack of high-quality "sweet" crude, the type of oil that many refineries need to meet stringent environmental requirements, particularly in the United States. Much of the high-quality oil imported into the United States comes from Nigeria and surrounding African nations; according to the U.S. Department of Energy, together, Nigeria and Angola exported more oil to the United States than Saudi Arabia in 2007.
Speculation Aside from supply and demand factors, another force driving oil prices has been investors and speculators bidding on oil futures contracts. Many major institutional investors now involved in the oil markets, such as pension and endowment funds, hold commodity-linked investments as part of a long-term asset-allocation strategy. Others, including Wall Street speculators, trade oil futures for very short periods of time to reap quick profits. Some observers attribute wide short-term swings in oil prices to these speculators, while others believe their influence is minimal.
Source: Tony Daltorio
Monday, May 16, 2011
M&A in Cloud continues
Virtualization software giant VMware this morning announced that it
has agreed to acquire Shavlik Technologies, a provider of cloud-based
IT management solutions for small and medium businesses.
has agreed to acquire Shavlik Technologies, a provider of cloud-based
IT management solutions for small and medium businesses.
Mobile Payment gaining momentum
Mobile payments startup Billing Revolution has raised $6.6 million in
Series B funding, led by DCM and SK Telecom Ventures. This latest
funding round will be used to hire marketing, business development and
product staff. Launched in 2008, the startup that offers a
single-click billing and payment service for transactions on mobile
phones, including Android and iPhone devices.
Series B funding, led by DCM and SK Telecom Ventures. This latest
funding round will be used to hire marketing, business development and
product staff. Launched in 2008, the startup that offers a
single-click billing and payment service for transactions on mobile
phones, including Android and iPhone devices.
Source Leena Rao TechCrunch
Good bye Ovi
Nokia has announced plans to kill off the Ovi branding of its services
and transition them to Nokia services.
and transition them to Nokia services.
Bust Boom Bust
1. After a washout, valuations are low and momentum is lousy.
People/Institutions are scared to death of equities and any
instruments with credit exposure. Only rebalancers and deep value
players are buying here. There might even be some sales from leveraged
players forced by regulators, margin desks, or "Risk control" desks.
Liquidity is at a premium.
People/Institutions are scared to death of equities and any
instruments with credit exposure. Only rebalancers and deep value
players are buying here. There might even be some sales from leveraged
players forced by regulators, margin desks, or "Risk control" desks.
Liquidity is at a premium.
2. But eventually momentum flattens, and yield spreads for the
survivors begin to tighten. Equities may have rallied some, but the
move is widely disbelieved. This is usually a good time to buy; even
if you do get faked out, and momentum takes another leg down,
valuation levels are pretty good, so the net isn't far below you.
3. Slowly, but persistently the equity market rallies. Momentum is
strong. The credit markets are quicker, with spreads tightening to
normal-ish levels. Bit-by-bit valuations rise until the markets are
fairly valued.
4. Momentum remains strong. Credit spreads are tight. Valuations are
high, and most value-type players have reduced their exposures.
Liquidity is cheap, and only rebalancers are selling. (This is where
we are now.)
5. The market continues to rise, but before the peak, momentum
flattens, and the market meanders. Credit spreads remain tight, but
are edgy, and maybe a little volatile. This is usually a good time to
sell. Remember, tops are often a process.
6. Cash flow proves insufficient to cover the debt at some institution
or set of institutions, and defaults ensue. Some think that the
problem is an isolated one, but search begins for where there is
additional weakness. Credit spreads widen, momentum is lousy, and
valuations fall to normal-ish levels.
7. The true size of the crisis is revealed, defaults mount, valuations
are low, credit spreads are high. A few institutions and investors
fail who you wouldn't have expected. Momentum is lousy. We are back to
part 1 of the cycle. Remember, bottoms are often an event.
Source:
Impossible Dream, Part 2
David Merkel
Saturday, May 14, 2011
Desiderius Erasmus on the Influence of books
No man has a right to bring up his children without surrounding them
with books, if he has the means to buy them.
When I get a little money, I buy books; and if any is left, I buy food
and clothes
The desire to write grows with writing.
A room without books is like a body without a soul.
Real poverty is the lack of books
It is important early to instil a taste for the best things into the
minds of children, and I cannot see that anything is learned with
greater success than what is learned by playing, and this is, in
truth, a very harmless kind of fraud, to trick a person into his own
profit.
with books, if he has the means to buy them.
When I get a little money, I buy books; and if any is left, I buy food
and clothes
The desire to write grows with writing.
A room without books is like a body without a soul.
Real poverty is the lack of books
It is important early to instil a taste for the best things into the
minds of children, and I cannot see that anything is learned with
greater success than what is learned by playing, and this is, in
truth, a very harmless kind of fraud, to trick a person into his own
profit.
Power and Glory
How does a leader acquire and keep power? An independent set of
implementers is the foundation of a good Enterprise (temporaries are
untrustworthy). Next, you must ensure that the families that provide
the implementers love you. So keep them happy. They provide the
manpower so they are crucial for the support. Finally the rich at
higher positions need to be managed well. What they desire most is
dominion so you must be able to replace entire teams or groups if need
be.
implementers is the foundation of a good Enterprise (temporaries are
untrustworthy). Next, you must ensure that the families that provide
the implementers love you. So keep them happy. They provide the
manpower so they are crucial for the support. Finally the rich at
higher positions need to be managed well. What they desire most is
dominion so you must be able to replace entire teams or groups if need
be.
How does he acquire glory? Morality is nothing more than censure and
praise.People are always prankish at bottom unless they are made good
by some compulsion.The love you buy with favours is fickle: people's
affections shift with their interests. Fear, on the other hand, is a
constant restraint.
Good rulers are able to adjust their character to the character of the times.
Outrages ought to be done all at one time, so that, being tasted less,
they offend less.
Benefits ought to be given little by little, so that the flavour of
them may last longer.
Deregulation of the oil prices in India
The government had freed petrol price from government control in June but the state-owned oil firms had not raised prices on an 'informal' dictate from the oil ministry.
"The hike needed to make domestic rates at par with international prices was Rs 9.50-10 per litre but oil companies choose to hike rates by just half of that," an industry official said. "Another hike in petrol price is on cards soon."
| Cities | Earlier | Now |
| Delhi | Rs 58.37 | Rs 63.37 |
| Kolkata | Rs 62.5 | Rs 67.5 |
| Mumbai | Rs 63.08 | Rs 68.08 |
| Chennai | Rs 63.36 | Rs 68.36 |
Is it Inflation or Economy?
Bond prices and rates move in opposite directions. Yields tend to go up when the economy is robust. That's because there is less incentive to buy stodgy Treasuries at a time when riskier assets like stocks look more rewarding.
So the fact that bond yields are still a lot closer to 3% than 4% shows that fixed-income investors are still nervous about the economy, a stark contrast to stock market investors who have a gung ho approach thanks to strong earnings
"The bond market doesn't seem to be worried about inflation but bond investors seem to be apprehensive about the economy," said John Kosar, director of research with Asbury Research in Chicago. "That's not a good sign. In general, the bond market is the one that tends to get it right."
Based on the article by By Paul R. La Monica
Wednesday, May 11, 2011
Android 3.1 features are out - Source Google IO
- Open Accessory API. This new API provides a way for Android applications to integrate and interact with a wide range of accessories such as musical equipment, exercise equipment, robotics systems, and many others.
- USB host API. On devices that support USB host mode, applications can now manage connected USB peripherals such as audio devices. input devices, communications devices, and more.
- Input from mice, joysticks, and gamepads. Android 3.1 extends the input event system to support a variety of new input sources and motion events such as from mice, trackballs, joysticks, gamepads, and others.
- Resizable Home screen widgets. Developers can now create Home screen widgets that are resizeable horizontally, vertically, or both.
- Media Transfer Protocol (MTP) Applications can now receive notifications when external cameras are attached and removed, manage files and storage on those devices, and transfer files and metadata to and from them.
- Real-time Transport Protocol (RTP) API for audio. Developers can directly manage on-demand or interactive data streaming to enable VOIP, push-to-talk, conferencing, and audio streaming.
For a complete overview of what's new in the platform, see the Android 3.1 Platform Highlights.
Negative Equity in US Homes at 28%
| Area | Negative equity | |
|---|---|---|
| 1 | Phoenix | 68.4% |
| 2 | Tampa | 59.8% |
| 3 | Atlanta | 55.7% |
| 4 | Sacramento, Calif. | 51.2% |
| 5 | Riverside, Calif. | 50.7% |
| 6 | Miami-Fort Lauderdale, Fla. | 47.7% |
| 7 | Minneapolis-St. Paul, Minn. | 46.2% |
| 8 | Chicago | 45.7% |
| 9 | Cleveland | 41.4% |
| 10 | Denver | 41.0% |
| 11 | Detroit | 36.3% |
| 12 | Portland | 35.9% |
| 13 | Seattle | 34.4% |
| 14 | St. Louis | 31.2% |
| 15 | Baltimore | 29.6% |
| 16 | Washington, D.C. | 29.5% |
| 17 | United States | 28.4% |
| 18 | San Diego | 26.0% |
| 19 | San Francisco | 25.7% |
| 20 | Philadelphia | 22.1% |
| 21 | Los Angeles | 21.0% |
| 22 | New York City | 17.1% |
| 23 | Boston, | 16.9% |
| 24 | Pittsburgh | 6.8% |
| 25 | Dallas | n/a |
| 26 | Orlando, Fla. | n/a |
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