It probably comes as no surprise that Americans��top resolution for 2014 is to lose weight, according to the University of Scranton Journal of Clinical Psychology. Spending less and saving more also ranks among the top five resolutions. The good news is that if you��e resolved to both lose weight and spend less, now is a great time to get a gym membership for less.
SEE ALSO: Healthy Habits That Will Save You Money��yms know that people are setting their resolutions,��says Trae Bodge, senior editor for deal and coupon site RetailMeNot. ��n response, they��e offering a lot of great deals.�� In addition to limited-time offers available now, there are several other ways you can save money on gym memberships.
Take advantage of free trials. You likely can get a free day pass at any gym any time of the year, Bodge says. However, several national fitness chains are offering lengthier free trials this month to capitalize on weight-loss resolutions. For example, 24 Hour Fitness has a free three-day pass, Gold�� Gym and Anytime Fitness are offering free seven-day trials, and Snap Fitness will send you a free 30-day pass if you sign up online (and pay $8.95 for shipping and handling). Bodge says that you should take advantage of free passes at several gyms to find the one that suits you best so you don�� waste money signing a contract with a facility you don�� try out first.
Hot Long Term Stocks For 2015: Mitsubishi UFJ Financial Group Inc (MTU)
Mitsubishi UFJ Financial Group, Inc. (MUFJ), incorporated on April 2, 2001, is a holding company for The Bank of Tokyo-Mitsubishi UFJ, Ltd. (BTMU), Mitsubishi UFJ Trust and Banking Corporation (MUTB), Mitsubishi UFJ Securities Holdings Co., Ltd. (MUSHD), Mitsubishi UFJ Morgan Stanley Securities Co., Ltd.( MUMSS), Mitsubishi UFJ NICOS Co., Ltd. (Mitsubishi UFJ NICOS) and other companies engaged in a range of financial businesses. Its services include commercial banking, trust banking, securities, credit cards, consumer finance, asset management, leasing and fields of financial services. In May 2010, the Company and Morgan Stanley formed two joint ventures in Japan by integrating our respective Japanese securities companies engaged in investment banking and securities businesses. The Company converted the wholesale and retail securities businesses conducted in Japan by the former MUS into one of the joint venture entities, which is named MUMSS. Morgan Stanley contributed the investment banking operations conducted in Japan by its formerly wholly owned subsidiary, Morgan Stanley Japan Securities Co., Ltd. (MSJS) into MUMSS and converted the sales and trading and capital markets businesses conducted in Japan by MSJS into a second joint venture entity called Morgan Stanley MUFG Securities, Co., Ltd.
Integrated Retail Banking Business Group
The Integrated Retail Banking Business Group covers all domestic retail businesses, including commercial banking, trust banking and securities businesses, and enables the Company to offer a range of banking products and services, including financial consulting services, to retail customers in Japan. This business group integrates the retail business of BTMU, MUTB and MUMSS, as well as retail product development, promotion and marketing in a single management structure. Many of its retail services are offered through its network of MUFG Plazas providing individual customers with access to its financial product offerings of integrated commercial b! anking, trust banking and securities services.
The Company offers a range of bank deposit products, including a non-interest-bearing deposit account that is redeemable on demand and intended for payment and settlement functions, and is insured without a maximum amount limitation. It also offers a variety of asset management and asset administration services to individuals, including savings instruments, such as current accounts, ordinary deposits, time deposits, deposits at notice and other deposit facilities. MUFJ also offers trust products, such as loan trusts and money trusts, and other investment products, such as investment trusts, performance-based money trusts and foreign currency deposits.
The Company creates portfolios by combining savings instruments and investment products. It also provide a range of asset management and asset administration products, as well as customized trust products for high-net-worth individuals, as well as advisory services relating to the purchase and disposal of real estate and effective land utilization, and testamentary trusts. The Company provides a varied line up of investment trust products allowing its customers to choose products according to their investment needs through BTMU, MUTB and MUMSS, as well as kabu.com Securities, which specializes in online financial services. In the fiscal year ended March 31, 2010, BTMU offered a total of five investment trusts. As of the end of March 2010, BTMU offered its clients a total of 73 investment trusts.
The Company offers securities, including publicly offered stocks, foreign and domestic investment trusts, Japanese government bonds, foreign bonds and various other products. The Company offers housing loans, card loans and other loans to individuals. With respect to housing loans, in addition to housing loans incorporating health insurance for seven major illnesses, BTMU began offering in June 2009 preferential interest rates under its Environmentally Friendly Support program ! to custom! ers who purchase environment-conscious houses (like houses with solar electric systems), which meet specific criteria in response to increasing public interest in environmental issues. In September 2009, BTMU launched housing loans with home mortgage insurance, which BTMU jointly developed with the Japan Housing Finance Agency, a governmental agency under the Japanese government�� economic stimulus measures, under which the agency indemnifies BTMU for losses from housing loans.
The Company offers products and services through a range of channels, including branches, automated teller machines (ATMs) (including convenience store ATMs shared by multiple banks), Mitsubishi-Tokyo UFJ Direct (telephone, Internet and mobile phone banking), the Video Counter and postal mail. It offers integrated financial services combining its banking, trust banking and securities services at MUFG Plazas. These Plazas provide retail customers with integrated and flexible suite of services at one-stop outlets. As of March 31 2010, the Company provided those services through 47 MUFG Plazas. The Company offers MUTB�� trust related products and advisory services through its trust agency system not only for MUTB customers but also for BTMU and MUMSS customers. As of March 31, 2010, BTMU engaged in eight businesses as the trust banking agent for MUTB: testamentary trusts, inheritance management, asset succession planning, inheritance management agency operations, business management financial consulting, lifetime gift trusts, share disposal trusts, and marketable securities administration trusts.
Integrated Corporate Banking Business Group
The Integrated Corporate Banking Business Group covers all domestic and overseas corporate businesses, including commercial banking, investment banking, trust banking and securities businesses, as well as UnionBanCal Corporation (UNBC). UNBC is a wholly owned subsidiary of BTMU and a US bank holding company with Union Bank being its primary subsidiary. T! he Compan! y provides various financial solutions, such as loans and fund management, remittance and foreign exchange services. It also helps its customers develop business strategies, such as inheritance-related business transfers and stock listings.
It offers advanced financial solutions to companies through corporate and investment banking services. Product specialists globally provide derivatives, securitization, syndicated loans, structured finance and other services. It also provides investment banking services, such as merger and acquisition (M&A) advisory, bond and equity underwriting. It provides online banking services that allow customers to make domestic and overseas remittances electronically. It also provides a global cash pooling/netting service, and the Treasury Station, a fund management system for a multi-company group. The Company�� global Corporate and Investment Banking business (Global CIB), primarily serves companies, financial institutions, and sovereign and multinational organizations with a set of solutions for their financing needs.
Integrated Trust Assets Business Group
The Integrated Trust Assets Business Group covers asset management and administration services for products, such as pension trusts and security trusts by integrating the trust banking expertise of MUTB and the international strengths of BTMU. The business group provides a range of services to corporate and pension funds, including stable and secure pension fund management and administration, advice on pension schemes, and payment of benefits to scheme members. Its Integrated Trust Assets Business Group combines MUTB�� trust assets business, comprising trust assets management services, asset administration and custodial services, and the businesses of Mitsubishi UFJ Global Custody S.A., Mitsubishi UFJ Asset Management Co., Ltd. and KOKUSAI Asset Management Co., Ltd.
Advisors' Opinion:- [By MARKETWATCH]
LOS ANGELES (MarketWatch) -- Stocks in Japan climbed at the start of trade Tuesday, as U.S. dollar strength against the yen aided the export-oriented market. The Nikkei Stock Average (JP:NIK) advanced 1% to 14,431.03, and the broader Topix rose 1.5% to 1,201.63, with the greenback moving back above the 楼102 level versus Japan's currency. Among exporters, stock in Canon Inc. (JP:7751) (CAJ) rose 1.6%, Mazda Motor Corp. (JP:7261) (MZDAF) tacked on 1.5%, and Sony Corp. (JP:6758) (SNE) gained 1.4%. Banking stocks were higher ahead of the conclusion of the Bank of Japan's meeting later Tuesday, and officials are not expected to announce any changes in monetary policy. Shares of Mitsubishi UFJ Financial Group Inc. (JP:8306) (MTU) and Sumitomo Mitsui Financial Group Inc. (JP:8316) (SMFG) were each up by 1.7%.
- [By Jim Jubak, Senior Markets Editor, MoneyShow.com]
The one currency that is running against the weak dollar tide is the Japanese yen. The yen initially climbed on the Fed's no taper decision—rising to 97.75 on the news—but then fell all the way back to 99 yen to the dollar and finished yesterday at 99.42. (Remember that since the yen is quoted in yen to the dollar, a higher number is a sign of a weak yen and a smaller number means the yen is getting stronger.) The thinking seems to be that the recent Japanese trade deficit will push the Bank of Japan to further weaken the yen, in order to boost Japanese exports. I continue to think that the yen will finish 2013 at weaker levels than current trading, and that leads me to continue to hold positions in Japanese stocks such as Toyota Motor (TM) and Mitsubishi UFJ Financial Group (MTU). Both stocks are members of my Jubaks Picks portfolio.
- [By Jim Jubak]
I think you can use shares of Japanese exporters-such as Toyota Motors (TM)-or Japanese financials-such as Mitsubishi UFJ Financial Group (MTU)-as trading vehicles for this move. I mention both because they trade as very liquid ADRs in New York. If you trade in Tokyo, you should look at exporters more leveraged to the yen than Toyota-such as Hino Motors (JP:7205 in Tokyo) or Mazda Motor (JP:7261)-or real estate development companies with more yen sensitivity than more diversified financials-such as Sumitomo Realty and Development (JP:8830). Toyota and Mitsubishi UFJ are both members of my Jubak's Picks portfolio.
- [By Jay Jenkins]
In the video below, Motley Fool contributor Jay Jenkins discusses the success stories like Union Bank (a subsidiary of Mitsubishi UFJ Financial Group (NYSE: MTU ) ), SunTrust (NYSE: STI ) , and Charles Schwab (NYSE: SCHW ) .�
5 Best Shipping Stocks To Watch For 2014: California Grapes International Inc (CAGR)
California Grapes International, Inc., formerly China Food Services, Corp., incorporated in 1992, conducts its primary business operations as an importer, exporter and distributor of staple, organic, specialty, and gourmet foods and beverages, catering to the Asian Pacific Rim. The Company owns and operates Golden Dragon Food & Beverage Import & Export Company of Hong Kong, Ltd. (GDHK) in central Hong Kong and Beijing Flying Golden Dragon International Trading Co., Ltd. in China (BFGD). Golden Dragon Holdings, Inc. has agreements with the United State food manufacturers. It acts as a buying agent for GDHK, negotiating vendor contracts and services with the United States food and beverage industry partners.
The Company focuses to offer wholesale food distribution to grocery chains and independent food stores throughout China. The Company focuses on purchasing goods directly from manufactures in the United States, Latin America and Europe, and distributes these products to distributors, grocery stores, supermarkets and hypermarkets throughout China.
Advisors' Opinion:- [By ovenerio]
As we can see in the next chart, the stock price has an upward trend in the five-year period. If you had invested $10,000 five years ago, today you could have $17,911, which represents a 12.3% compound annual growth rate (CAGR).
- [By ovenerio]
As we can see in the next chart, the stock price has an upward trend in the five-year period. If you had invested $10.000 five years ago, today you could have $21.830, which represents a 16.9% compound annual growth rate (CAGR).
- [By Damian Illia]
Expanding its channels, improving sales force effectiveness and strengthening its strategic marketing are strategies being considered to grow in actual markets. With respect to new markets or the ones that are not penetrated so much, ADT plans to invest in growth platforms, with focus on market for small businesses and penetration of residential markets. The company麓s estimations about those markets indicate that was about $13 billion in 2012, and had grown at a compound annual rate (CAGR) of about 1% to 2% over the past five years.
- [By ovenerio]
As we can see in the next chart, the stock price has an upward trend in the five-year period. If you had invested $10.000 five years ago, today you could have $30.065, which represents a 24.6% compound annual growth rate (CAGR).
5 Best Shipping Stocks To Watch For 2014: LendingClub Corp (LC)
LendingClub Corporation, incorporated on October 2, 2006, provides online marketplace connecting borrowers and investors. The Company operates an online market that connects borrowers looking for loans with individuals with the money to fund them. It lends money to help consumers pay off credit-card bills, consolidate debt and take vacations. Its platform enables customers in investing in and obtaining personal loans by providing financial data and credit information.
The Company provides search algorithm, credit decisioning, a secondary market, and a choice of loan durations. The Company serves the professional fixed income investors, such as family offices and insurance companies.
Advisors' Opinion:- [By Rana Pritanjali]
Lending Club's (NYSE: LC ) stock is up a stellar 66% since the company went public in December. The peer-to-peer lending specialist offers an alternative to the traditional banking system with an online platform for borrowers and lenders. It has a leading 40% share of the�peer-to-peer lending market, far outstripping No. 2 player�Prosper.com and its 8% market share.�
5 Best Shipping Stocks To Watch For 2014: Sunedison Inc (SUNE)
SunEdison Inc, formerly MEMC Electronic Materials, Inc., incorporated on October 1, 1984, is engaged in the development, manufacture and sale of silicon wafers. The Company is a developer and seller of photovoltaic energy solutions. Through Solar Materials and Solar Energy (SunEdison), it is a developer of solar energy projects. The Company operates in two segments: semiconductor materials and solar energy. The Company�� Solar Energy segment includes the operations of its old Solar Materials segment, as well as its SunEdison business. In the Semiconductor Materials, the Company offers wafers with a variety of features. The Company�� wafers vary in size, surface features, composition, purity levels, crystal properties and electrical properties.
Semiconductor Materials
The Company�� monocrystalline wafers for use in semiconductor applications range in size from 100 millimeter to 300 millimeter and are round in shape for semiconductor customers because of the nature of their processing equipment. Its wafers are used as the starting material for the manufacture of various types of semiconductor devices, including microprocessor, memory, logic and power devices. In turn, these semiconductor devices are used in computers, cellular phones and other mobile electronic devices, automobiles and other consumer and industrial products. Its monocrystalline wafers for semiconductor applications include four general categories of wafers: prime, epitaxial, test/monitor and silicon-on-insulator (SOI) wafers.
The Company�� prime wafer is a polished, pure wafer with an ultraflat and ultraclean surface. The Company�� epitaxial (epi), wafers consist of a thin silicon layer grown on the polished surface of the wafer. Typically, the epitaxial layer has different electrical properties from the underlying wafer. This provides customers with isolation between circuit elements than a polished wafer. Its AEGIS product is designed for certain specialized applications requiring high resis! tivity epitaxial wafers and its MDZ product feature. The AEGIS wafer includes a thin epitaxial layer grown on a standard starting wafer. The AEGIS wafer�� thin epitaxial layer eliminates harmful defects on the surface of the wafer, thereby allowing device manufacturers to increase yields. The Company supplies test/monitor wafers to its customers for use in testing semiconductor fabrication lines and processes. An SOI wafer is a different starting material for the chip making process.
Solar Energy
The Company�� Solar Energy segment provides solar energy services that integrate the design, installation, financing, monitoring, operations and maintenance portions of the downstream solar market to provide a solar energy service to its customers. As of December 31, 2012, SunEdison interconnected over 675 solar power systems representing 989 megawatt of solar energy generating capacity. As of December 31, 2012, SunEdison had 73 megawatt of projects under construction and 2.6 gigawatts in pipeline. In support of its downstream solar business, its Solar Energy segment manufactures polysilicon, silicon wafers and solar modules. Additionally, its Solar Energy segment will sell solar modules to third parties in the event the opportunity aligns with itsinternal needs. It provides its downstream customers with a way to purchase renewable energy by delivering solar power under long-term power purchase arrangements with customers or feed-in tariff arrangements with government entities and utilities. Its SunEdison business is dependent upon government subsidies, including United States federal incentive tax credits, state-sponsored energy credits and foreign feed-in tariffs. The Company�� solar wafers are used as the starting material for crystalline solar cells.
The Company competes with Shin-Etsu Handotai, SUMCO, Siltronic and LG Siltron, SunPower Corporation, First Solar, Inc., Enerparc, Sharp Corporation (Recurrent Energy), Phoenix Solar, BELECTRIC, JUWI Solar Gmbh, and S! olar City! .
Advisors' Opinion:- [By Lee Jackson]
SunEdison Inc. (NYSE: SUNE) has changed its name and ticker but remains a top stock to buy at Merrill Lynch. The company recently did a large secondary offering to expand its solar growth. It also is looking to spin off its semiconductor business in an upcoming IPO. Merrill Lynch has a $10 price target, while the consensus figure is higher at $11. SunEdison closed yesterday $8.16.
- [By Paul Ausick]
Stocks on the move: SunEdison Inc. (NYSE: SUNE) is up 15.9% at $7.89 on news that the firm plans to spin off its semiconductor business.
In all, 60 stocks put up new 52-week highs today, while 71 stocks posted new lows.
- [By Travis Hoium]
MEMC Electronic Materials (NYSE: SUNE ) is also transitioning from a solar supplier to a project builder, adding competition to the business. MEMC also has a larger 2.7 GW pipeline, although it doesn't have the same history in utility-scale projects as First Solar.
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