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We’ve all gotten those calls from telemarketers. Yes, those pesky people who famously call during the wee minutes of our scrumptious dinner to try and sell everything but the kitchen sink. Futilely, I may add, since the only thing most of them draw from us is an expletive and maybe a “not interested” followed by a dramatic hang-up.Slick-monotone-hard-to-understand-robot: This is picture that is commonly painted of our rarely American telemarketer friend. Not surprisingly, the once tolerate job of a telephone sales representative has almost become a stigma in American culture.Telemarketers love student loan consolidation and for good reason.True, Telemarketers can call at the absolute worst times selling anything from credit cards, to vacation plans and time shares. Now, if you are one of those lucky ducks with student loans, then you probably have had your fair share of calls about consolidating your loans, as well. But, let me say, don’t let the thought of telemarketer on the phone leave a bad taste in your mouth about consolidation. Consolidating your student loans is thought by many to be one of the best ways to manage your student loans after college.In fact, consolidating your loans can give you many money-saving benefits including a lower interest rate, lower monthly payments, and borrower incentives. So speaking to the right person on the phone can really be worth the time. And what I mean by right person is speak with a Student Loan Consultant, someone who is specifically trained to be an expert on the subject of student loans and whose sole purpose is to help student loan borrowers in need of better loan management.A Student Loan Telemarketer is not the same as a Student Loan ConsultantThough both may call you, it’s important to know the difference between a telemarketer and a student loan consultant. A telemarketer says and does what they’re told to, while a student loan consultant’s main role is customer service and satisfaction. Many times, if you get a great student loan consultant on the phone, they’ll be happy to inform you of everything you ever wanted to know about student loan consolidation and the options available to manage your loans after college better. A good student loan consultant is happy to answer your questions because they genuinely want to help.So choosing to consolidate your loans should not be the biggest issue, it’s with WHOM you should consolidate that should be your concern. After all, consolidation puts you into a relationship with your lender for years to come and the student loan consultant you speak to can be a good indicator of the type of company they represent, and who you will be dealing with.As mentioned, student loan consolidation is a great financial tool, but pay close attention to these tell-tale signs to make sure the person you’re speaking to is not more interested in filling their own pockets then filling yours.Tips on How to Handle Consolidation Calls1) Don’t be bullied or rushed into making a decision. It’s important to feel comfortable and not rushed by the person you’re speaking with.Make sure you’re treated with respect: Work with a company who makes it a point to listen to their clients needs. Find a company that doesn’t take one single call they make or receive for granted. Real customer service oriented Student Loan companies want to know that each of their borrowers is happy with their consolidation solution. This is why companies like OneSimpleLoan thrive on testimonials from their customers, daily. Check out [http://www.onesimpleloan.com/testimonials.asp] for real testimonials from OneSimpleLoan’s happy customers to see exactly what I’m talking about.2) Make sure you’re talking with a student loan professional and not a telemarketer (some people are trained to make calls, not to help you consolidate your student loans properly and efficiently). You can tell right away if someone is reading from a script or going through the motions. Consolidation involves your personal finances and it’s nothing for someone to play around with.Work with a company who has an excellent Training program: Few student loan companies invest enough into the training of their student loan consultants. It’s important to work with a company that does. OneSimpleLoan for example puts their Student Loan Consultants through a tiered training program, which each include an entire week of in-house training letting them excel into three levels of service.3) Do some research on the company you’re speaking with before you decide to consolidate your loans. Visit their website, check out to see if they’ve had any Better Business Bureau complaints issued against them. Ask questions…if the answers don’t sound right, hang up!Make sure the company is credible: Find out what kind of credentials the company you’re speaking with has, such as membership in their local or state chamber of commerce and Better Business Bureau. Companies, like OneSimpleLoan, pride themselves because of these prestigious memberships and for having superb understanding and implementation of student loan laws and regulations.Look for Consistency and valuable resources: The worst thing is having to go through a detailed process with one person and then having to explain it to someone else. Is the consultant willing to give you their full name? Can you call them back with questions? Borrowers who consolidate with OneSimpleLoan appreciate the fact that they are assigned to one consultant to help them through the entire consolidation process.4) Listen to the person on the phone. Do they mention grace rates, borrower benefits, deferment, or forbearance? If no, they may be holding back on giving you a full range of options to help you manage your student loan debt.Make sure they’re easy to understand: Sure, the person on the phone may sound like they know what they’re talking about, but do you? It’s important that the Student Loan Consultant tries to make the process of consolidation as easy to understand as possible by using simple to understand terms and treating each borrower like a personal friend whom they’re helping.5) Make sure you’re speaking with someone with expertise on the subject. Get the phone number and name and even the lender ID code, if available, of the company that’s calling you or that the person represents.Work with a company that experiences successful growth: They may be few, but there are student loan companies that do hire and train professional staff, have a resourceful website and a dynamic stature that make them successful members within the student loan industry.Find out how simple and quick the process is: Before you start the consolidation process, ask the company you’re on the phone with how long their consolidation process will take. It’s better to know and prepare yourself from the beginning than grow impatient later.It’s important to work with a company who’s process is hassle-free. A good student loan company can help you complete your consolidation paperwork in less than an hour – some even do most of the written work for you! In fact, many borrowers who have consolidated their loans with OneSimpleLoan comment on how easy and quick the consolidation process is because of the quality of attention and service they received from the Student Loan Consultant who helped them.Most of all, work with someone who you can tell enjoys their job of helping you.In addition to their employees, many student loan companies do have your best interests at heart – after all, a job is a choice and many who love customer service choose to help student loan borrowers make the best choices about their loans. In fact, customer service is at the heart of many of the most successful student loan companies, of which OneSimpleLoan is no exception.

In that particular SEO industry there are several SEO experts may come in various profiles with different working principles. They may do entire work by themselves and take care for each site uniquely. Because they believe each website require different phenomenal work done to receive successful search ranking.On the other hand of the coin, you will find giant SEO services providers. Those firms employ several medium levels of SEO peoples to maintain numerous numbers of SEO campaigns. Thus it is quite assumable that they don’t have much time to separate the different technical requirements for several websites individually.They are following just the simply working format or you can say working templates for all sites to get ranked and they practically doing this in a daily manner. In this way their sharpness level decreases simultaneously. Thus it is imaginable that they have a solid inclination to rotate into SEO factories.Before you choose your service provider, you should check above tip for several SEO companies. You must check their recommendations for your site what they are going to deliver also check their glorious performances. Feel free to ask more questions regarding your chances about your success. Try to avoid technical terms and suggest them to talk to you in laymans terms.Unluckily, SEO analysis is neither so easy nor so simply to do as it sounds. Search engine algorithms are getting more complex constantly as the internet world advanced. Thus you need an efficient SEO expert who will understand your business aim first and do the work accordingly. You don’t need any famous SEO firm who has no time to done any research work for your own site and will do the same work as they done for others.SEO is an ongoing process not a single time matter. You require constant care and the research work also done side by side with other SEO work to keep your keywords on the highest position in all search engines otherwise they will rapidly fall down and disappear form top position which may effect your business growth.Advantages of getting ethical SEO analysisHiring a growing ethical SEO expert or company for your small business is the finest thought to do if your wish to pull ahead yourself or your keywords amongst from your competitors. What accurately the benefits of receiving the services from a growing ethical SEO firm? Here are a few advantages of appointing an expert SEO analyst.o Specialized SEO experts have the depth knowledge on the methods to improve the search engine ranking of your keywords in all search engines, and able to do it speedily. It helps your website to create a superior sum of web traffic at your site.o Increment of the volume of authentic web traffic creation is also means an increment in sales of your business product and services. In ethical SEO you does not required PR on your web pages, it is automatically generated. You mostly concentrate at your keyword ranking which will put superb effect on getting superb web traffic.o SEO specialists will give you superior informative advice on effectual online web promotion and off-page marketing methodologies. You may advice them for searching the finest ways to lift your keywords at all search engines top positions within very wee time period.Forget the cost estimationSEO is the best way for those small business owners who have financial limitations for promoting their business into internet, because they don’t afford to spend lots of money for banners or ads. Thus people searching for those SEO firms who asking a least cost for search engine marketing.But don’t stipulate yourself only at pricing; you should calculate their efficiency because a reputed SEO firm provides you SEO services at low expenditure, do not automatically mean that they will be efficient enough for your site.Choose those SEO experts who have much time for done several type of research work for your site. Search engine algorithms are developing day by day and the SEO companies needs to know the latest tools, hasty methods and newest searching types which might help to increase keyword ranking at all search engines.

Just what if your firm had a significant inventory component and you had access to cash flow and working capital against that inventory investment in working capital that your firm has made.A proper inventory financing facility in Canada is one in which you can draw down on a satisfactory level of your inventory value and repaid it as you replenish capital via account receivable and cash collections. Your success in achieving a proper inventory financing component in your overall business financing in effect optimizes your working capital to the extent you need to.How would your overall financial position change with that additional working capital and cash flow? You would then have the ability to take on additional contracts and purchase orders, your supplier relationships would most probably improve, and faster asset turnover of assets and receivable generates faster profits and return on assets. Those are good things.The main advantage of an inventory financing or A/R financing component is your ability to accelerate cash flow. Let’s be honest, if you were self financing (i.e. no borrowing facilities) and had to wait for inventory to be sold and receivables collected then you are significantly slowing your growth ability.In the context of the inventory financing we are discussing this financing is not a loan per se – that’s important to understand. It becomes a part of your revolving facility and is simply collateralized by receivables and inventory.Your inventory financing arrangement is reflected in a type of document generally known as borrowing base certificate. We also advise our clients that it is highly preferable to have a strong handle on your inventory reporting, and also you should preferably be using some sort of a perpetual inventory accounting system.Inventory is a very generic term, we hate to do it but we complicate things further by discussing with clients the fact that inventory can consist of raw materials, work in process, and of course final finished goods inventory. As a result the valuation of what is financed varies by industry and inventory type. Slow moving or highly specialized product is much more difficult, but not impossible, to finance.Could you be more competitive and profitable if you have inventory financing at 40-50% of your gross inventory value – we are pretty sure you could be!On larger transactions you should fully expect some sort of initial appraisal and valuation on your inventory.In Canada inventory finance is highly specialized, we can almost call it a niche financing. Speak to a trusted, credible, and experienced business financing advisor to determine if this financing works for you. Through that process you should be able to develop a clear understand of the differences between bank financing, asset based lending, which incorporates inventory finance, and purchase order financing if that is applicable to your business model.At this point you are now in a position to ensure that inventory financing advances are a great way to acquire mfr and carry inventory for orders and contracts you receive

This article will tell you what you will need to consider when hiring a magician to entertain at your wedding. It helps you to consider when you can best use a magician in your order of events, and how to go about selecting a good magician for your wedding.This information specifically relates to hiring a close-up magician to entertain the adult guests at your wedding. Some magicians specialise in entertaining children, and this can be a great way to keep children occupied throughout the speeches. However, these performers tend to be a lot more readily available, and a bit of asking around will help you source a good quality local childrens entertainer at a reasonable price. Similarly, some magicians specialise in stage presentations, but this sort of presentation is very rarely appropriate for a wedding, and the more ambient style of close-up magic is more generally suitable.Booking a magician who specialises in entertaining adults is a very different proposition – there aren’t very many about who do it well, and it can be difficult to know where to start. The first thing to consider should be what you want to achieve by having a magician entertain at your wedding, and determine where this can best fit into your order of events.When To Use A Wedding MagicianClose-up magicians are usually used to provide entertainment at two different points in the wedding day. The first is after the ceremony when the magician can mingling with guests while wedding photographs are being taken. The drinks reception is also usually held at this point, and having the magician perform at this stage acts as an excellent ice-breaker. This can then continue with the magician performing at the tables between the courses of the wedding breakfast up until the start of the speeches.The other popular time slot is to have the magician perform during the evening. This means that day guests are entertained after the meal and speeches, and any evening guests are welcomed with a little entertainment to get them in the mood. One thing to bear in mind when using a magician at this stage is how the magic will fit with any music you may have planned. Usually most venues have a separate area away from the dance floor, such as a bar area, and the magician can be placed here to entertain any guests who aren’t interested in the dancing, and those who are just taking a break. Or, if there is no separate area, you can have the magician start following the wedding breakfast and perform up until the evening music starts. This helps the day guests to break with the formality of the days events and any evening guests are welcomed with a little entertainment to get them in the mood.Of course there is a lot of flexibility here and a magician experienced in wedding entertainment will be able to work in with your plans for the day.Things To Consider When Using Magicians At A Wedding:Speeches and music are two key traditional aspects of a wedding which should be considered when using wedding magicians.Speeches: No matter how carefully you brief the best man and the father of the bride to keep it brief, often as not speeches will overrun! Many people find it best to make the speeches a natural start or end point for the magic to avoid paying for the magician’s waiting time.Music: You will need to consider how your magician will fit in with any music you have planned. Magicians rely on people being able to follow what is being said. Three things can help: having the music at a lower level, having a separate “quiet zone” for the magician to work in, or a large room where one end will be quieter. But if the DJ or Band is expected to be louder, you will get better value for money by changing the timing to avoid a clash.Where To Find A Magician:Avoid using a local Yellow Pages or a similar directory to find a magician for your party. Magicians who perform for adult audiences are a rare breed, and while you may get lucky and find that you have a very good magician in your area, the chances are that you will wind up interviewing magicians who are part time and have very little actual performing experience, or magicians who specialise in performing for children and have very little experience in entertaining adult audiences.Instead, use a web search, or look to find a national directory of entertainers, and cast your net over a good sized geographic base – experienced performers are more than happy to travel to a booking.Choosing The Right Magician For Your Wedding:Once you’ve drawn up a shortlist, here’s what to look at before you finalise your choice.References, References, References!Cast a careful eye over any quotes from previous clients. Are they from recognised and reputable UK companies and identifiable individuals, or could they just have been gathered from friends and family?
The ability to astonish should come as standard, but you also need to make sure the references show that the magician you book also has the personality to interact with your guests. Look for someone who is more than just astonishing – hire a magician who is entertaining and, moreover, enjoyable to be around.ExperiencePlenty of positive references show that you’re looking at a magician with broad experience. It can be a good idea to hire a magician who has worked UK-wide and, ideally, internationally because this usually shows a depth of experience.
You may also want to consider whether the magician is a full time performer. While there are a number of very good part-timers in the UK who shouldn’t be overlooked, the fact that a magician is a full-time performer will generally act as a good indicator of experience and ability. You can’t always glean this from a website so it’s a good idea to ask.
Look to hire a magician with experience with weddings. For example, some specialise in close up magic for adult audiences in hospitality situations. Others have a more general approach, performing at children’s parties, as a corporate speaker, on stage, etc. Each of these different performing situations requires different skills and abilities, especially when it comes to audience interaction. Be sure that the references that you rely on relate to events and functions similar to your wedding.Style and manner:Consider what will work well for you. Some acts are based on poking fun at the audience, but, for a day of celebration like a wedding, consider whether it may be more appropriate to look for someone who creates fun for your guests and maintains a more relaxed atmosphere.
If you are expecting a wide variety of guests at your event, look for someone with references that indicate a breadth of appeal. Conversely, if your guests are quite similar, for example in age group or background, you may want to hire a magician with references that relate to that particular type of guest.MembershipsIt is a good idea to hire a magician who is a member of a recognised international magical organisation such as the UK’s The Magic Circle. The Magic Circle, in particular, insists on members being tested by examination before being allowed to join. However, don’t make membership of such an organisation the sole basis of your decision – this simply indicates a basic level of technical ability. The above information shows how to look at experience, personality and performance style.

A home business online can be a lucrative pastime or a serious business venture. It is a pastime when you do it secondary to your day job by working few free hours a week and enjoy doing it whether you get an income or not. A serious business when you conduct your home business online as your main source of income.Both alternatives are available to you. It is worth trying it either way. One worthwhile advantage of a home business online is that you can launch it with little investment. In a home business online more effort you put to it more results and income you will get from it. If you are new to home business online and wish to know about launching a home business online here is a simple step by step way of doing it for your benefit and reading pleasure of course.The first requisite for launching your home business online is a website of your own. There are several ways of getting one. Perhaps, you do not want to spend money to try out a home business online. Learning HTML will be useful. There easy to use free resources on the web like Nvu that can be used by beginners to format own websites.Or else, you can set up on your own, in a few minutes, a free blog using Google blogger com or Word Press. You can then use your blog in place of website in your home business online.And if you are prepared to spend some money to get a professionally done website you can hire the service of an expert and get it done to suit the needs of your home business online. Then you have to use a good hosting company to host your website. Or alternatively you can obtain, at a not so big expense, a turnkey website setup on your own domain. Such turnkey websites can be customized to your requirements. This is easy as most turnkey website systems come with hosting as part of the package and with a pre-written email campaign as well.Next you need products to sell. It is not necessary to have your own products to sell via your website. You can sell other people’s products at a commission and/or affiliate programs etc., through your home business online. For this you can pick a niche market and a specific niche-segment (micro-niche) of it.You have to choose specific keywords. These keywords need to be used to optimize your website by means of SEO. There are free resources on the web to learn all about SEO. And expertise is obtainable at a fee to optimize your website through SEO.Once this is done you need to build your email list of subscribers. There are several such methods for building your list. This can be done by buying leads to add from your auto-responder or getting visitors to your site to subscribe to an email news letter etc. Then you have to set up an auto-responder with a pre-written email news letter campaign to promote your products or affiliate programs.Suppose now you have a very attractive website promoting marketable products and you need sales. For this you need visitors to your website. That is traffic. To get traffic there are many ways. Advertising via ezines, banner ads, Pay per click ads, article marketing, and links are some of the popular methods that can be used. Articles are a free means of getting traffic links to your website.The best way to get targeted good quality traffic is through search engine searches. For that you have to promote your site to be on the first three pages of Google and other search engines like Yahoo, MSN etc. This requires optimization for Search Engine acceptability, link popularity etc of your website.These are in brief steps needed to launch and promote your home business online. There are few more ingredients that are needed. Those are a budget, a strategic plan, business goals to aim at, a vision to reach and consistency of purpose and enthusiasm to make you home business online a success.

If you have bad credit title in your credit report, then it doesn’t mean you cannot get a personal loan. There are bad credit personal loans available for people with poor credit rating. If you have poor credit rating — because you made late payments, missed payments, exceeded credit card limits, or filed for bankruptcy — these loans not only solve your money problems, but also give an opportunity to improve your credit score.Personal loans for bad credit are available in secured and unsecured loans. Since lenders bear higher risks these loans require a higher rate of interest and a higher down payment than the normal loans. The interest rate on the personal loan for poor credit depends mainly on your credit score, the collateral security offered, loan amount and personal income.Secured personal loans are for the homeowners. Secured loans are the right choice if you need extra money, but you do not qualify for an unsecured loan. These loans require collateral security, which includes items like automobiles and real estate. If you default on the repayment, then the lender is free to sell the security. However, if the value of the collateral is more than the loan amount, then you can expect to pay a low interest rate.If you don’t own a home you may want to consider unsecured bad credit personal loans. Because unsecured loans are not backed by any collateral security their interest charges are higher than that on the secured personal loans. However, the worse your credit is the harder time you will be approved for an unsecured loan.In order to get a bad credit loan, first you need to check your credit report and credit score. The higher your credits score the more favorable the rates and the terms that you would get on the personal loan. You also need to provide all your personal details to your bad credit lender accurately because providing incorrect information may lead to the rejection of your loan application.There are many lenders out there that are willing to lend you their money. You must research the lenders thoroughly, particularly when applying for a personal loan online. Even though you need the loan so bad never agree to pay any types of processing fees. Always check out the lenders with the Better Business Bureau. Since different lenders offer personal loans at different rates make sure the loan on the most favorable terms.If you can’t get a loan from large lenders, try to approach smaller lending companies. Smaller lending institutions are more personal in considering your eligibility for a personal loan — they take the reasons for your bad credit along with other factors. You can have a chance to get a personal loan, if you can prove that you’re responsible and that you have a stable income to repay the loan.Once you get the bad credit personal loan and use the money for your financial needs, remember to rebuild your credit by paying on time and sending extra payments whenever you can.

Before you start shopping for a new or used car, make sure your finances and credit are in order in advance. Getting pre-qualified for an auto loan is a fantastic way to get into a new car faster. Following are some tips that can help you to secure some solid financing for your new vehicle.Auto Financing and Pre-qualificationGetting pre-qualified for a car loan doesn’t have to be hard. Most of the time, auto consumers can get auto financing as soon as they have selected a car. If that is the case, the auto dealership usually submits their loan application through a third-party, finance company. This finance company has the ability to either grant or reject your loan application. In cases where credit is acceptable, the auto loan is approved. What makes this easier is that the funds in theses cases are protected by the vehicle. However, in some cases, the car dealerships and the third-party financial institutions charge higher rates when the applicant has a low credit rating. While this can sometimes be a nuisance, you need to remember that at least you are getting financing on your vehicle. When it is possible, it is important to secure your own financing.Auto financing online is beneficial because loan amounts tend to be based on a number of financial factors such as your personal income, your total consumer debt, and other financial obligations that you may have. Therefore, you need to be aware of sale prices in relation to your available budget. Once you have secured your pre-qualified loan amount, you can start looking for your new vehicle.Getting Pre-qualifiedThere are several different ways to go about getting pre-qualified for a car loan. Auto financing online is one good way to secure a car loan if you have decent credit. Doing things in this manner, you will have the widest selection of loan options. The first step is usually to talk with your bank or credit union. These institutions offer good rates that are often better than rates you could receive from financial companies. If you have ever financed a car before, you may want to request additional loan information from the previous lender.If you have a poor credit rating you may have to get pre-qualified from what is called a sub prime lender. The easiest way to get a sub prime lender is to go online or by getting an auto loan broker. Getting pre-qualified for a car loan is just like applying for any other type of loan. The only difference is that instead of going off of official credit information, they will be going off of unofficial personal information that is stated by you. Success will result in you receiving a pre-qualified offer.After your acceptance of the pre-qualification offer, the lender will send you a written note that does not guarantee the loan but allows you to submit an official application for the loan. once this application has been validated, and proof of income has been proven, the lender will either retract the offer or grant you the loan.

Summary
SPDN is not the largest or oldest way to short the S&P 500, but it’s a solid choice.
This ETF uses a variety of financial instruments to target a return opposite that of the S&P 500 Index.
SPDN’s 0.49% Expense Ratio is nearly half that of the larger, longer-tenured -1x Inverse S&P 500 ETF.
Details aside, the potential continuation of the equity bear market makes single-inverse ETFs an investment segment investor should be familiar with.
We rate SPDN a Strong Buy because we believe the risks of a continued bear market greatly outweigh the possibility of a quick return to a bull market.
Put a gear stick into R position, (Reverse).
Birdlkportfolio

By Rob Isbitts

Summary
The S&P 500 is in a bear market, and we don’t see a quick-fix. Many investors assume the only way to navigate a potentially long-term bear market is to hide in cash, day-trade or “just hang in there” while the bear takes their retirement nest egg.

The Direxion Daily S&P 500® Bear 1X ETF (NYSEARCA:SPDN) is one of a class of single-inverse ETFs that allow investors to profit from down moves in the stock market.

SPDN is an unleveraged, liquid, low-cost way to either try to hedge an equity portfolio, profit from a decline in the S&P 500, or both. We rate it a Strong Buy, given our concern about the intermediate-term outlook for the global equity market.

Strategy
SPDN keeps it simple. If the S&P 500 goes up by X%, it should go down by X%. The opposite is also expected.

Proprietary ETF Grades
Offense/Defense: Defense

Segment: Inverse Equity

Sub-Segment: Inverse S&P 500

Correlation (vs. S&P 500): Very High (inverse)

Expected Volatility (vs. S&P 500): Similar (but opposite)

Holding Analysis
SPDN does not rely on shorting individual stocks in the S&P 500. Instead, the managers typically use a combination of futures, swaps and other derivative instruments to create a portfolio that consistently aims to deliver the opposite of what the S&P 500 does.

Strengths
SPDN is a fairly “no-frills” way to do what many investors probably wished they could do during the first 9 months of 2022 and in past bear markets: find something that goes up when the “market” goes down. After all, bonds are not the answer they used to be, commodities like gold have, shall we say, lost their luster. And moving to cash creates the issue of making two correct timing decisions, when to get in and when to get out. SPDN and its single-inverse ETF brethren offer a liquid tool to use in a variety of ways, depending on what a particular investor wants to achieve.

Weaknesses
The weakness of any inverse ETF is that it does the opposite of what the market does, when the market goes up. So, even in bear markets when the broader market trend is down, sharp bear market rallies (or any rallies for that matter) in the S&P 500 will cause SPDN to drop as much as the market goes up.

Opportunities
While inverse ETFs have a reputation in some circles as nothing more than day-trading vehicles, our own experience with them is, pardon the pun, exactly the opposite! We encourage investors to try to better-understand single inverse ETFs like SPDN. While traders tend to gravitate to leveraged inverse ETFs (which actually are day-trading tools), we believe that in an extended bear market, SPDN and its ilk could be a game-saver for many portfolios.

Threats
SPDN and most other single inverse ETFs are vulnerable to a sustained rise in the price of the index it aims to deliver the inverse of. But that threat of loss in a rising market means that when an investor considers SPDN, they should also have a game plan for how and when they will deploy this unique portfolio weapon.

Proprietary Technical Ratings
Short-Term Rating (next 3 months): Strong Buy

Long-Term Rating (next 12 months): Buy

Conclusions
ETF Quality Opinion
SPDN does what it aims to do, and has done so for over 6 years now. For a while, it was largely-ignored, given the existence of a similar ETF that has been around much longer. But the more tenured SPDN has become, the more attractive it looks as an alternative.

ETF Investment Opinion

SPDN is rated Strong Buy because the S&P 500 continues to look as vulnerable to further decline. And, while the market bottomed in mid-June, rallied, then waffled since that time, our proprietary macro market indicators all point to much greater risk of a major decline from this level than a fast return to bull market glory. Thus, SPDN is at best a way to exploit and attack the bear, and at worst a hedge on an otherwise equity-laden portfolio.

Your stocks to watch for the week ahead are Cheniere Energy (LNG), S&P 500 biotech giant Vertex Pharmaceuticals (VRTX), Cardinal Health (CAH), Steel Dynamics (STLD) and Genuine Parts (GPC).

X
While the market remains in correction, with analysts and investors wary of an economic downturn, these five stocks are worth adding to watchlists. S&P 500 medical giants Vertex and Cardinal Health have been holding up, as health-care related plays tend to do well in down markets.

Steel Dynamics and Genuine Parts are both coming off strong earnings as both the steel and auto parts industries report optimistic outlooks. Meanwhile, Cheniere Energy saw sales boom in the second quarter as demand in Europe for natural gas continues to grow.

Major indexes have been making rally attempts with the Dow Jones and S&P 500 testing weekly support on Friday. With market uncertainty, investors should be ready for follow-through day breakouts and keep an eye on these stocks.

Cheniere Energy, Cardinal Health and VRTX stock are all on IBD Leaderboard.

Cheniere Energy Stock
LNG shares rose 1.1% to 175.79 during Friday’s market trading. On the week, the stock advanced 3.1%, not from highs, bouncing from its 21-day and 10-week lines earlier in the week.

Cheniere Energy has been consolidating since mid-September, but needs another week to forge a proper base, with a potential 182.72 buy point formed on Aug. 10.

Houston-based Cheniere Energy was IBD Stock Of The Day on Thursday, as the largest U.S. producer of liquefied natural gas eyes strong demand in Europe.

Even though natural gas prices are plunging in the U.S. and Europe, investors still see strong LNG demand for Cheniere and others.

The U.K. government confirmed last week that it is in talks for an LNG purchase agreement with a number of companies, including Cheniere.

In the first half of 2021, less than 40% of Cheniere’s cargoes of LNG landed in Europe. That jumped to more than 70% through this year’s second quarter, even as the company ramped up new export capacity. The urgency of Europe’s natural gas shortage only intensified last month. That is when an explosion disabled the Nord Stream 1 pipeline from Russia that had once supplied 40% of the European Union’s natural gas.

In Q2, sales increased 165% to $8 billion and LNG earned $2.90 per share, up from a net loss of $1.30 per share in Q2 2021. The company will report Q3 earnings Nov. 3, with investors seeing booming profits for the next few quarters.

Cheniere Energy has a Composite Rating of 84. It has a 98 Relative Strength Rating, an exclusive IBD Stock Checkup gauge for share price movement with a 1 to 99 score. The rating shows how a stock’s performance over the last 52 weeks holds up against all the other stocks in IBD’s database. The EPS rating is 41.

Vertex Stock
VRTX stock jumped 3.4% to 300 on Friday, rebounding from a test of its 50-day moving average. Shares climbed 2.2% for the week. Vertex stock has formed a tight flat base with an official buy point of 306.05, according to MarketSmith analysis.

The stock has remained consistent over recent weeks, while the relative strength line has trended higher. The RS line tracks a stock’s performance vs. the S&P 500 index.

Vertex Q3 earnings are on due Oct. 27. Analysts see EPS edging up 1% to $3.61 per share with sales increasing 16% to $2.2 billion, according to FactSet.

The Boston-based global biotech company dominates the cystic fibrosis treatment market. Vertex also has other products in late-stage clinical development that target sickle cell disease, Type 1 diabetes and certain genetically caused kidney diseases. That includes a gene-editing partnership with Crispr Therapeutics (CRSP).

In early August, Vertex reported better-than-expected second-quarter results and raised full-year sales targets.

S&P 500 stock Vertex ranks second in the Medical-Biomed/Biotech industry group. VRTX has a 99 Composite Rating. Its Relative Strength Rating is 94 and its EPS Rating is 99.

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Cardinal Health Stock
CAH stock advanced 3.2% to 73.03 Friday, clearing a 71.22 buy point from a shallow cup-with-handle base and hitting a record high. But volume was light on the breakout. CAH stock leapt 7.3% for the week.

Cardinal Health stock’s relative strength line has also been trending up for months.

The cup-with-handle base is part of a base-on-base pattern, forming just above a cup base cleared on Aug. 11.

Cardinal Health, based in Dublin, Ohio, offers a wide assortment of health care services and medical supplies to hospitals, labs, pharmacies and long-term care facilities. The company reports that it serves around 90% of hospitals and 60,000 pharmacies in the U.S.

S&P 500 stock Cardinal Health will report Q1 2023 earnings on Nov. 4. Analysts forecast earnings falling 26% to 96 cents per share. Sales are expected to increase 10% to $48.3 billion, according to FactSet.

Cardinal Health stock ranks first in the Medical-Wholesale Drug/Supplies industry group, ahead of McKesson (MCK), which is also showing positive action. CAH stock has a 94 Composite Rating out of 99. It has a 97 Relative Strength Rating and an EPS rating of 73.

Steel Dynamics Stock
STLD shares shot up 8.5% to 92.92 on Friday and soared 19% on the week, coming off a Steel Dynamics earnings beat Wednesday night.

Shares blasted above an 88.72 consolidation buy point Friday after clearing a trendline Thursday. STLD stock is 17% above its 50-day line, definitely extended from that key average.

Steel Dynamics’ latest consolidation could be seen as part of a larger base going back six months.

Steel Dynamics topped Q3 earnings views with EPS rising 10% to $5.46 while revenue grew 11% to $5.65 billion. The steel producer’s outlook is optimistic despite weaker flat rolled steel pricing. STLD reports its order activity and backlogs remain solid.

The Fort Wayne, Indiana-based company is among the largest producers of carbon steel products in the U.S. It engages in metal recycling operations along with steel fabrication and produces myriad steel products.

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STLD stock ranks first in the Steel-Producers industry group. STLD stock has a 96 Composite Rating out of 99. It has a 90 Relative Strength Rating, an exclusive IBD Stock Checkup gauge for share-price movement that tops at 99. The rating shows how a stock’s performance over the last 52 weeks holds up against all the other stocks in IBD’s database. The EPS rating is 98.

Genuine Parts Stock
GPC stock gained 2.8% to 162.35 Friday after the company topped earnings views with its Q3 results on Thursday. For the week GPC advanced 5.1% as the stock held its 50-day line and is in a flat base.

GPC has an official 165.09 flat-base buy point after a three-week rally, according to MarketSmith analysis.

The relative strength line for Genuine Parts stock has rallied sharply to highs over the past several months.

On Thursday, the Atlanta-based auto parts company raised its full-year guidance on growth across its automotive and industrial sales.

Genuine Parts earnings per share advanced 19% to $2.23 and revenue grew 18% to $5.675 billion in Q3. GPC’s full-year guidance is now calling for EPS of $8.05-$8.15, up from $7.80-$7.95. The company now forecasts revenue growth of 15%-16%, up from the earlier 12%-14%.

During the Covid pandemic, supply chain constraints caused a major upheaval in the auto industry, sending prices for new and used cars to record levels. This has made consumers more likely to hang on to their existing vehicles for longer, driving mileage higher and boosting demand for auto replacement parts.

Fellow auto stocks O’Reilly Auto Parts (ORLY) and AutoZone (AZO) have also rallied near buy points amid the struggling market. O’Reilly reports on Oct. 26.

IBD ranks Genuine Parts first in the Retail/Wholesale-Auto Parts industry group. GPC stock has a 96 Composite Rating. Its Relative Strength Rating is 94 and it has an EPS Rating of 89.