Suppose he intends, at retirement, to choose the "joint and survivor" option, thus giving his wife an income lasting as long as she lives. But if he dies before actually retiring, his employer will not pay a pension to his widow. So it might be sensible for him to carry life insurance to protect his wife against the risk of losing him and the pension together. Under many pension plans, benefits are paid to no one except a retired employee, as long as he lives. Even in the generally sensible Social Security program of the Federal Government, when a retired worker dies, his widow's pension is cut to half of what the two were receiving. In principle, the effect of such pension rules can be improved by life insurance, but after age sixty-five the cost is prohibitive.

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Despite all these sources of information, investors must not allow themselves to be persuaded that it is essential to buy the shares of an investment company before they have had an opportunity to read the prospectus. This computation needs little elaboration. In most instances, open-end companies have chosen at the start to fix the capitalization so that distribution is effected at a low price per share, merely on the assumption that the investor prefers to have a substantial number of shares for each $100 invested. This tendency was more common in the early thirties than in recent years. It will be observed that the load is computed in two ways: (1) in relation to the net asset value and (2) in terms of the offering price itself. The net asset value is usually determined by valuing the securities at the last sales price if such sales price can be determined or by the last bid price or at the mean of the closing bid and asked prices.

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Were the lest examples to be continued a few more years into the fifties, the constant-ratio plan would pull even farther ahead, due to its built-in advantage in a rising market. This would be especially significant in this case, because by the end of the test the constant-dollar formula is only about 30 percent in stocks, while the constant-ratio plan is still at 50 percent. AUTOMATICALLY ADAPTIVE It might be worth pointing out that, since the long-term trend of the American economy has always been irregularly upward, the constant-ratio plan promises to be able to adjust itself to this gradual rise somewhat better than the constant-dollar plan. Naturally, the uptrend is subject to frequent declines or periods of stagnation”sometimes of considerable duration”but the upward movement has always reasserted itself in time. The constant-ratio plan provides some protection during these periods of decline, while continually adapting itself automatically to changing market conditions. Lucile Tomlinson presents results of a series of five hypothetical constant ratio plans, each covering 11 years in the 55-year period 1897-1951.

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Brett Commodities Named as Best Futures Trading System by Independent - PRLog (free press release)
PR Log (Press Release) – Jan 18, 2010 – SBD Research, an independent research company based in Switzerland, tracking more than 600 trading systems, makes it easy to find a great trading system by publishing hot lists with the best trading systems

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More forex futures will help hedging: Traders - Economic Times
The approval will expand the currency futures trading from the dollar-rupee contracts that was started in 2008, and will help participants hedge their risks in more currencies. "This will improve liquidity further and facilitate price discovery

Sebi sets the stage for launch of three new currency-pair futures - Financial Express
Updated: Wednesday, Jan 20, 2010 at 0017 hrs IST Mumbai: Markets regulator Sebi on Tuesday issued final product guidelines for the launch of currency futures trading in euro, pound sterling and Ja-panese yen. It also plans to move to the next stage

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MCX-SX Jan futures opens weaker - Commodity Online
The MCX –SX January futures trading weak at 45.61 at 10 am on Wednesday morning. The BSE Sensex was at 17578, 92 points higher. January futures rupee yesterday depreciated by 16 paise against the US currency following weakness in equity markets

Commodity Futures Trading Commission proposing oil-trade limits - Cleveland Plain Dealer
Associated Press An oil pump works during sunset Thursda in the Persian Gulf desert oil field of Sakhir, Bahrain. WASHINGTON — Federal regulators are taking a first major step aimed at reining in oil speculation by setting new limits on trading in

RBI allows futures trading in euro, yen, pound sterling - Hindu Business Line
The Reserve Bank of India on Tuesday allowed futures trading in three more currencies — the euro, the pound sterling and the yen – with immediate effect. This move comes nearly a year-and-a-half after trading in the Dollar-Rupee futures contracts

Farm futures trading may make strong comeback - Economic Times
MUMBAI: Trading in farm futures is set to make a robust comeback after a steady fall over the previous two fiscals, according to regulatory data on turnover of four national level commodity bourses and 19 regional ones. The main reason for the growth

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Ordinarily, the degree of dilution resulting from these provisions is minute. Wellington Fund, Incorporated, provides that new shareholders may be admitted only on terms of approximate equality with existing shareholders, and the fund may increase or decrease the price on the basis of an estimate made on the Dow-Jones composite average when this average fluctuates 2 per cent or more. In most instances, the offering price of shares applies to a single transaction of less than $25,000; the sales commission is reduced from 8 to 6 per cent on transactions between $25,000 and $50,000, and is further reduced on larger transactions. The reductions may also apply to aggregate purchases made within a period of, say, thirteen months, if a letter-of-intent form is signed. The load, or selling commission, has been criticized as being excessive. It is often compared with the brokerage fees in stock transactions.

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CFTC Proposes Enforcing Limits on Energy Trades - ABC News
But it remains to be seen if the limits — which the Commodity Futures Trading Commision said would affect only the official said that if the rules were applied today, for example, the limit for NYMEX crude oil contracts across all months would

Chu on oil trading rules: ‘I’m just a physicist’ - Thehill.com
Energy Secretary Steven Chu on Friday gave a rather vague endorsement of a Commodity Futures Trading Commission proposal to limit energy market speculation but acknowledged he’s no expert on the matter. The CFTC on Thursday floated draft rules that

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This slightly greater yield means that these contracts will be of a prime type and thus relatively safe, although they are not considered to be safe enough for investment by holders of the smaller portfolios. Second mortgages at this yield or higher can be substituted. For the first time a foreign loan appears in a portfolio. This type investment requires both knowledge and careful investigation. Only 5% of the fund is placed in absolutely safe investments, building and loan associations and savings banks, but the dollar amount is high for a comparatively low yield investment”$5,000. In the $100,000 portfolio leverage is provided for by the fact that bank funds can possibly be secured by using as collateral for such loans every item except the real estate syndications.

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The problem was: How to detect this change? After much thinking I found one criterion”that was to compare stocks with people. This is how I began to work it out: If a tempestuous beauty were to jump on a table and do a wild dance, no one would be particularly astonished. That is the sort of characteristic behavior people have come to expect from her. But if a dignified matron were suddenly to do the same, this would be unusual and people would immediately say, "There is something strange here” something has happened.*' In the same way, I decided that if a usually inactive stock suddenly became active I would consider this unusual, and if it also advanced in price I would buy it.

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