Where are you going to get the money for Research Points if you dont make markets???
I always make 3-5 markets per planet, 3-4 manufacturing plants, 2 research centers, 1 farm and research stock markets as soon as possible, or research diplomatic tech and trade them for stock markets, and let the planets upgrade to stock market ASAP. That will give you a good moral, influence, and money per planet. I specify on planets later on after the first planets. that seems to work. Also trade money is pretty much usless, less than 1000 BC a month wich is not even enough for 10 dreadnought maintenance cost, its only good for raising relation with close neighbors so I always ignore it unless theres a cranky neighbor near by. If you play on tiny, small or medium maps it may be of use to keep spending at 100%, but on larger and gigantic maps, by mid game your getting a profit of 10k+, so it just doesnt add enough to justify the relying on trade, wich is very fragile during war.
Also dont specify too much on research, if your military is neglected, the enemy will atck, its inevitable, your mission on the game is to keep the peace as long as you can till you get a good economy running to make lots of ships. Personally I always try getting medium ships fast, cuz they are important for your defense, get them ASAP cuz you can put defenses on them, and because they have low HP, the AI will atack them first while your tiny and small fighters destroy them.
Check out the forum for strategies and I'm pretty sure you'll be playin on tough+ in no time.
Monc34