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Just like any challenge, it is always wise to know what you are getting into. Loans work the same way. But there are just lots of loan kinds. Getting to learn every type will help you pick the one that suits your need.Short-term personal loans, secured personal loans, high-risk personal loans, student loans, military personal loans, auto loans refinance, signature personal loans–all these are available to an individual who is looking to borrow money between one and five years. Right now, there are two kinds of loans for personal use.Secured Loan: Here the loan includes the attachment of collateral–say, your property or any fixed/movable asset–against the sum of money borrowed. You risk losing your home should you default on repayments.A direct opposite of secured loan is the unsecured loan. Its primary benefit is that no collateral is needed. However, you will be made to pay higher interest rate, considering the high risks involved. They might even take you to court if you are unable to pay.Applying for home loan, for instance is not easy. After all, you will be under credit check. Some reasons for disapproval include a bad credit score, rising mortgage payments, or a cancelled credit card. Getting a protection policy for the payments you have made that covers full payments would be advisable once your loan is approved. This will absolutely give you peace of mind.The following are other types of loans:1. Short-Term Personal LoansShort-term unsecured personal loans can be got through banks and online financial companies and a wide variety of other options. Normally, interest rates are high in these varieties of loans. This is because the duration of repayment is commonly for a short time. The high interest rate is also to ensure the interest of the lender.Internet lending companies only conducts an extensive credit investigation but only a small amount may be given.Personal loans that are short term has its plus and minuses. Nevertheless, always perform a thorough assessment of the type of loan you want to avail.2. Fast Payday Loans (Fast Cash Advance Loans)Sometimes you may be in need of a quick payday loan so that you could settle an unexpected money crisis. They may come in the likes of surmounting bills and car repairs. If you don’t have money to finance those, then opt for a cash advance.Payday loans are ideal solutions for quick money needs since it is easier to get one, plus there is always a big opportunity that you could qualify. But expect to pay the loan just as your paycheck arrives. To become part of it, you must be at least 18 years old and working, with permanent salary. This will guarantee them that you can indeed pay the loan.
One of the advantages of a fast cash advance loan is its capacity to give you up to $1,000 and a cash advance. If you’re lucky, the company may even give you something higher.These types of loans require partial payment in two weeks while the rest must be paid within a month. This is called as 30-day payday loan. Typically though, you must pay the loan in two weeks’ period.Not all agencies offer 30-day payday loans or long-term cash advance, so pick your company wisely. Far better to enter into a long-term loan contract, before taking the loan; otherwise, you would have to pay extra interest and fees for the late period.3. Military Personal LoansMilitary personal loans are easy for servicemen to get anytime. If they want to buy a house or a car, they can always opt for army military loans to absorb the remaining expenses. The reasonably priced loans are also applicable for disaster relief, career service, or bereavement. They have one of the lowest interest rates.

SEO and positioning your website to rank top spots in the search engines require some careful planning. Just like setting up a business or going to war, it requires strategizing for optimal results. Diving straight into the internet without any clear game plan is time-wasting, dangerous and more often than not, a futile attempt to rank any website for maximum targeted traffic. Let’s dwell a little deeper into some useful SEO and positioning tips to get your web pages indexed and ranking faster.1. SEO and Positioning Tip 1 – Determine Your ObjectiveWhat is your objective in optimizing your website? Is it for maximum general traffic or targeted niche traffic? Once again, webmasters are unable to get this part clear. Many think that driving as much traffic as possible to their websites is the way to go. Unfortunately, this is a big pitfall. A web site may attract loads of traffic but yet don’t perform as well as another with little traffic but making more sales. Know what your objective is, to sell more products or to get more people to visit your website. If you are building an interest-based website or hobby website, perhaps getting maximum general traffic is the right solution for you.2. SEO and Positioning Tip 2 – Plan Your Keywords RightThis is applicable for all websites that intend to tap into free organic traffic. By that, I mean SEO and positioning high in search engines for specific keywords. One clue for you before you compile your keyword list is to understand that search engines rank individual web pages, not websites. The systematic way to do it is to first look at your objective of SEO and positioning. If you are targeting a niche market, for example SEO tools, target the niche keyword SEO tools for your home page, and drill into this main keyword for related keywords such as SEO Elite, effective SEO tools, etc to target for each internal web page.Don’t make the mistake like many webmasters do in targeting one main keyword for the entire website. The smart approach to SEO and positioning is to target a list of low competition, moderate demand keywords and rank well for them. This would potentially drive more targeted traffic, than to blindly hit at one main keyword.3. SEO and Positioning Tip 3 – Simple Well-Thought On-page OptimizationUse your keywords in the meta-tags, web page title, sub-headers and web content. Make your web content unique. A keyword density of 1-3% and word count of more than 400 words is ideal for on-page optimization. Create a sitemap page to make search engines spiders love your web pages. This helps in indexing the internal pages fast.4. SEO and Positioning Tip 4 – Effective Off-page Optimization TechniquesBuilding link popularity of a website is far more crucial than any other factors for SEO and positioning for top search engine ranking. But pay attention to who your link partners are. Trade links with websites in a similar niche, and high Google PR if possible. Links from authority websites such as educational or government websites, ie domain names with .edu or .gov extensions are valuable. Buying links from link partners is perfectly fine if you can verify the quality of the websites. Search engines nowadays can be quite demanding and look for quality more than quantity of links.5. SEO and Positioning Tip 5 – Using Search Engine Optimization ToolsWebmasters used to do everything traditionally from on-page optimization to off-page optimization such as emailing fellow webmasters to exchange links. Technology and software development has made it much easier for SEO and positioning websites using search engine optimization tools. These smart tools are designed to automate all manual tasks necessary to grab a top search engine ranking for a website fast. Almost every webmaster has one or two of these in their arsenal as they are big time and money savers.Feel free to drop by at my blog to read more about search engine optimization tools and grab a free ebook worth more than $97 packed with detailed SEO tips and techniques to help your SEO efforts. This article may be freely reprinted or distributed in its entirety in any ezine, newsletter, blog or website. The author’s name, bio and website links must remain intact and be included with every reproduction.

Many financial institutions are now offering used car finance. Before anyone can go out looking for a deal, it is important to understand what this type of finance entails. Generally, there are two types of financing offered by financial institutions in this area. First, there is the unsecured finance and the secured finance, which uses the car as collateral. The financing is usually offered with a repayment period of five to seven years. However, the term can be shortened depending on the age of the car you are purchasing. Actually most financial institutions do not offer financing for cars, which are older than seven years.Why finance the purchase of on old car?
It can be a good option to go for an old car if the new one is out of reach in terms of the price with relation to your income. It might also be a wise decision to buy a used car in order to save your self from the automatic depreciation that occurs once you get the vehicle from the dealership. In all these cases, you will need financing, as the cost of the cars is usually high that most of us have in cash.When you want to finance the purchase of an old car, you still need to go through the formalities of a normal loan. This means there are certain areas you need to work on. First, you have to check the status of your credit score. Credit scores can be easily obtained online once per year free. This will make it easier for you to know your score before approaching the lender. The next step is to know how much money is required as down payment. The more you can avail, as down payment will result in higher savings on the loan’s interest. Finally, you will need to check the interest rates offered by different financial institutions. Lower interest rates will results in huge savings in the long-term.Comparing different used car finance option
There are different lenders offering used car financing out there. All these have different policies and finance packages. It is important to compare different financiers in order to get the cheapest option. There are many ways, which you can use to compare used car finance. However, the easiest and most accessible way is through comparison websites such as Get Approved Finance or E-Car Finance.The comparison websites usually look at different options provided by different institutions taking into consideration the loan repayment time, the duration it will take before approval, interest rate, loan terms and loan company fees. They will also establish if you get fee breaks if you are able to complete payment early. All these factors are very hard to compare on your own. Finally, the comparison websites provide you with information on all the extras offered with the loan such as car insurance, disability, unemployment and death credit protection. This will ensure that you have the best, used car finance option without considering the interest rates only.

This is part TWO of a series of articles I have written to help entertainers get work as
Guest Entertainers on cruise ships.Discounts
This varies from cruise line to cruise line, so again, either ask your agent or check
the Guest Entertainer Manual of the cruise line you are working for the discounts
you are allowed as a guest entertainer. The general rule for most ships is that there
is a 25% bar discount for guest entertainers and a 20% discount in the boutique
shops on board. At the end of each cruise when you get your bill, make sure that
the discounts have been taken off the final account. It has happened on so many
occasions where the final discount was wrong or not taken off. For whatever reason
these days, the bills are always wrong and most guest entertainers have to end up
going down at the end of a cruise and sorting the problems out. I often believe the
problems on ships are due to simple lack of communication between departments!
There are the top end cruise lines where you don’t have to pay for any drinks at the
bar, but that is the minority. There is also a 21-year minimum age requirement for
purchasing alcohol on most cruise lines.
Everything you purchase is put on to your account so ships are a cashless society,
however I always take a few dollar bills and leave them as tips.
Note:- As of re-reading this book the company I work for has now taken off any
discounts in the shops on board for guest entertainers.Requirement of Shows
Each cruise line will have different requirements from their Guest Entertainers, what
I offer is simply a guideline -Length and number of shows
I checked the guidelines in the manual for the cruise line I work on and they state
that a minimum repertoire of two 30-minute and one 15-minute show is required.
On longer cruises it may be necessary to perform three of four 30 minute shows. On
the ships I work I have never done two different 30 minute shows, rather one full
show and a split show with another act or two different 45 minute shows. On the
cruise I am on at the moment, as of writing this book, I am performing two 45
minute shows and a close-up show. The close-up show is at my suggestion to the
cruise director as it gives me another chance to push my DVDs plus I thoroughly
enjoy close-up magic.
How many shows you are required to perform depends entirely on the length of
cruise. If you are doing the short seven day cruises then more often that not you will
only be required to do one full show, perhaps maybe another show sharing the bill
with another act. On the longer cruises of say twenty four days you can be assured
you will need to do two different full shows. This requires a lot of work and it is
important that your second show is as strong as the first.
Speaking from experience I prefer just to do my one main show as it contains all my
number one material, rather than try and split it up between two shows. After
experimenting with my act I realized how important it is to make sure your first
show is very strong, that way people will talk about you, get to know you and come
back for the second. You will hear other entertainers say they have an A and a B
show, in my opinion if you want a long career in Cruising make sure both your
shows are A material. If you can do a close-up show then by all means mention it to
the cruise director as it all helps in the long run keeping your name in front of the
passengers when they fill in the comment cards.
The general rule of thumb is that you will do your main show twice in one night.Your scheduleYour schedule will vary from ship to ship and cruise to cruise. Generally speaking,
on a seven day cruise you will be required to work one night with your main 45-50
minute act. This you will do twice, once at the early show, usually 8.30pm and the
other at 10.30pm for two different audiences. On the larger ships they are now
getting us to work more, so we will work one night with the two shows, then repeat
the show again the next night for the crowds who missed it. The large ships now
carry up to 2800 passengers so you are required to do an extra show. On the seven
day cruise you may also be asked to do an extra ten to fifteen minute spot on the
last night, along with other guest entertainers.Because I have two different full 45 minute acts plus the close-up show, I tend to
get the longer runs which also means the better contracts where the ships travel to
more exotic locations around the world. It makes sense to keep me on a ship longer
as I can do two different nights of entertainment and the close-up show on a sea
day. However, having said that next week I will be leaving the ship I have been on
for three months and transshipping to another ship for a little over a week where I
will be on the last part of the cruise and the beginning of a new one, then fly to join
another ship for a little over a week, then fly to another ship for only one night
before flying home. There is no set rule for how many times you will perform and
you usually only find out when you join. My advice is to make sure you are prepared
before starting your cruise ship career, otherwise it will be short lived and chances
of getting re-booked are very slim.There somehow seems to be an invisible network amongst the Entertainment
Department in the cruise industry and word travels fast. Remember that Carnival
cruises owns about 70% of the cruise industry including; Carnival Cruise Lines,
Windstar Cruises, Cunard Lines, Holland America Line, Princess Cruises, Costa
Cruises and The Yachts of Seabourn. That is a huge market and Entertainment is
now overlapping with these companies as they all come under one umbrella.Material
I have always made sure my material was never ‘adult’ orientated or ‘blue’, unless
asked to do the midnight show – in which case you can do routines that are a little
more on the edge. Make sure you find out the demographics of the cruise line you
will be working for. Because of my Charlie Chaplin act, they tend to put me on
longer cruises, which suits me fine because they have the better itineraries. There is a
joke amongst entertainers when asked the average age of the passengers they say,
“between dead and deceased!” I am currently on a 24 day cruise as I write this and
the average age would be sixty plus. On the shorter cruises, such as those in the
Caribbean, you will find the average age much lower with children traveling. One of
my good friends works for a cruise line where he is required to do a 30 minute
family orientated show and a 30 minute midnight adult show, so he obviously has
his material suited for those audiences.
According to marketing the cruise ship attracts a vacationing crowd from a cross-
section of North America, the UK and sprinkles of other nationalities so your
material will need to be international. I have appeared on cruise ships where the
majority of passengers didn’t speak English, magicians at least have a sleight
advantage over comedians in that we have the visual aspect of our shows to help in
these conditions.
My advice is very simple, chose material for your act that is suitable for all ages.Music for the act
You have the ability to work with a live band on the ship. If you plan on working on
ships a great deal you may wish to utilize this lost resource although the way things
are changing the idea of having a ‘live’ band is becoming less and less. There was a
time when working on ships that my advice would have been if you currently use no
music at all, consider the use of the band on the ship, however, with cut backs and
so on don’t rely on having a back up band! Most Cruise Director’s will expect “play
on and play off” music for you and if the band is available then they often have
stock ‘tabs’ that can be used. As a backup I would have all my music on CD or mini
disk.There are bands on board the ships, but the way things are changing cruise lines
now prefer guest entertainers to have their own backing tracks, either on CD or
minidisk. Some of the music acts obviously require the ‘band’ or ‘orchestra’ to back
them and they bring their own musical arrangements. The more self reliant you are
in your act, the more you will keep working. There was a time when there were two
different orchestras on ships, one for the main show lounge and the other for the
smaller lounges where most Variety acts worked. However, with cutbacks ships are
using all backing tracks for the larger shows and a much smaller orchestra for the
other rooms having only one orchestra on ships now. I always take back up music
and make sure I have my music in a variety of formats. When I give the Production
manager my music, s/he gets a mini-disk and a CD of it, just in case something
happens during the show and a machine breaks down. This I tell you from
experience because it HAS happened!I travel with my laptop, which makes life so much easier for me. If I need to change
the show in any way, I can easily record a new audio CD of my show and everything
is in order so the production manager isn’t skipping from one music track to
another. I like to make everything as easy as possible so I can concentrate on my
performance rather than worry about technical aspects of the show going wrong.
Remember also that you may be transshipping, ie. going from one ship to another
and have little rehearsal time, so having cue sheets and your music all in order will
make life that much easier.

The Internet has put unlimited resources at our fingertips, providing anyone who might desire it with the ability to start a Web-based business. What makes an online business so attractive has much to do with the connectivity the Internet has given us, amplifying the power that a single individual or company might have.This creates at least 5 outstanding benefits to doing business online.1. Teamwork Baby! Starting an online business requires the expertise of many. It’s tough to imagine that any one person would be able to handle the many major requirements of starting and running a business (including technical, marketing, financial, customer service, compliance) at a proficient level. Thus, even if you are a one-person show you will need to enlist and be open to the expertise of others to be the huge success you were meant to be.
Given the accessibility to great minds and skilled professionals on the Internet, it’s now a snap to find help that fits your needs perfectly. There are many vendors to help support different areas of small business, such as My Business Assistant, which provides technical, financial and administrative support.2. More than a drop in the bucket. Of course some moments will be frustrating and the results of your efforts aren’t always immediately apparent. However, a great surprise awaits you in the handily integrated and accessible nature of operating a business online: each small step feeds the others. For instance, relationship building by simultaneously posting on your blog, the blogs of others, and the use of Twitter and Facebook results in an incredibly effective synergy. Properly applied, this synergy can produce quick and cost-effective buzz very effectively, perhaps even more so than traditional marketing efforts.
All of this is something you, as a small online business owner, can easily manage. Matrix Group’s Joanna Pineda has more tips on creating a cohesive content strategy for your social networks. Also, for a motivational talk on the power of social marketing, watch Guy Vaynerchuk’s presentation Uncorking Your Brand with Social Media. He discusses and provides examples of how the Internet is word-of-mouth marketing “on steroids”.3. Do unto others. The Golden Rule is just as relevant online. I consistently see folks who really put themselves out there ultimately reap the benefits of their goodwill. Whether they’re helping others build their businesses, spreading the word about important causes, or sharing knowledge and encouragement, their positive energy, efforts and words show the rest of the online world what a great person this would be to do business with or pass on a lead to… you get the idea. Jay Berkowitz, online marketing expert and CEO of the Ten Golden Rules says that you must “give to get”. Visit his website and pick up a copy of his book for valuable guidance in building your brand. I highly recommend it.4. Know what your customers want. Any business owner knows the value of feedback from your customers. The myriad of communication tools available to you online allow you to easily communicate with your online visitors. It is easy to set up a blog, Twitter and Facebook accounts for your business so that you can interact directly with your customers and followers. There are also many tools for collecting data from your site’s visitors. Key Survey and Disqus are just two of many online survey options.Collect this data religiously and take action by applying customer feedback to your business.5. It’s in your hands.We are all in control of our own destiny, and I can’t think of a better example of this than when conducting business online. With so many options and resources out there, it is a ‘if you can dream it, you can do it’ scenario.
Once you have a goal in mind, the flexibility of the Internet allows you to endlessly tweak your business plan as you like. By learning from those around you, keeping a positive attitude and working steadily toward your goals, you are unstoppable. So don’t hesitate – go forth and enjoy the power and the benefits of operating an online business!Please share what excites you about the power of doing business online!I’d love to hear your thoughts.

Among the various types of loans available in the market, the most popular one is personal loan that is borrowed by a person for a stipulated period of time and hence is paid in full in installments with interest, until the loan repayment is not complete. Personal loans are therefore also known as installment loans.A person credits a personal loan for variety of reasons and the most prominent one for seeking a loan, is home improvement or debt consolidation; to buy a big commodity as a house hold item or planning a trip for one’s family. So a personal loan can bring all your instant need for the cash into reality and fulfill the demands kept for long on pending due to insufficient funds.The other benefit for personal loans is that you can have them instantly now- a- days online; these loans with ample flexibility in most of the cases are generally approved within 24 hours after applying for them. Under the personal loans there is a short-term personal loan that is a quick method to arrange cash advance loan for a number of requirement and needs. While judging the criteria for approving a loan, a lending agency looks into the proper occupation and steady income source and capacity to repay loan within the scheduled period into an applicant’s application.There are two types of Short term personal loans that a person can secure from loan lending agency in particular, thus the short term personal loans provided on the basis of availability and security are secured and unsecured short term personal loans. In a secured short term personal loans you are expected to register one of your assists as collateral to provide you with short term personal loan at lower rate of interest and flexible payment option. In the unsecured short term personal loan there no collateral is required for the loans, instead a lender levies higher rate of interest in order to cover up risks in this type of loan. Keeping other factors aside the rate of interest for short term personal loan is generally kept higher in comparison to other types of loans.However, amount for short term personal loan is quite debated between different lending agencies. Generally, the maximum amount is qualified on the basis of an applicant’s capacity to repay the loan and the rate of interest is generally kept around 8 percent per annum. There are also a number of companies that provide short term personal loan for variety of requirements like auto and other loans.Finally, you can have number of advantages for short term personal loans as it helps you to arrange substantial amount of loan for your entire immediate money needs. It takes cares of all the imperative needs like paying medical bills, paying debts, car repair etc. The loans are also a smart way of being rescuer for people under the pressure of bad credit history for many a wonderful reasons like arrears, defaults, court judgments etc. One can also avail short term personal loan online.

Used auto loan rates are calculated in much the same way as for any kind of loan in that they incorporate risk assessments. The formula for deciding rates for loans is usually devised by assigning a percentage to the value of the risk an applicant poses. This is often decided by the information that the applicant supplies requested by the lender. Different lenders use different methods to evaluate the suitability of their applicants. Used auto loan rates for example, will depend on the age of the auto in addition to the amount requested, the suitability of the applicant and several other considerations.Each type of loan and each individual lender will have its own unique risk and other factor assessing formula. Used auto loan rates will always differ depending on the applicant, the car and the lender and their particular calculation method. If you are looking for the lowest used auto loan rates then it is just a case of finding the lender that will offer you the best rate for your level of borrowing risk. Just because you have good credit it does not automatically qualify you for the best rates. If you have poor credit or no credit history you will need a lender that accommodates this, without excessive penalty.Hunting for the best used auto loan rates makes sense if you do not want to pay more than you need to. You can usually assess how a certain financier will base his risk assessment formula from the questions on the application form. Some lenders and some loans are reliant mainly on security while others rely purely on an applicant’s ability to pay. Each loan application to buy an auto is individually assessed and the appropriate rate can then be applied.By calculating used auto loan rates in this way, lenders are adapting their prices in accordance and they are therefore minimizing their risk. The set percentage is determined to fully accommodate risk factors from the applicant not repaying, and the additional risks associated with the auto’s condition and market value. If the resale value of the auto is not greater than the loan amount, then allowances will have to be made for this. In this instance you can expect to pay more than you would if the auto is only last years model.The formula for calculating used auto loan rates only really differs from other types of loan calculating methods in its assessment of the value of a product that is not new. If an auto is not new it will have a reduced market price and therefore its condition may need to be taken into consideration. The lender will use reliable data to estimate the probable value of an auto before used auto loan rates are decided. This estimation is used alongside the applicant’s details to calculate a suitable fee that will provide the protection cover required. This is how an individual’s rates for a loan to buy a used auto are worked out by lenders.

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.