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Personal loans taken by homeowners need not necessarily be secured. It is true that more and more homeowners are lured into taking secured loans. Several advantages that only secured loans can let them enjoy are recounted by the loan providers. Nevertheless, homeowners now form an important customer base employing unsecured personal loans to their financial needs. Though the homeowner does not part with the lien on his home, loan providers are not complaining. Being a homeowner connotes credibility, a prerequisite to unsecured personal loans.Whatever be the form in which personal loans are lent, homeowners continue to enjoy the preferential status. As mentioned above, by the fact that one is a homeowner, the individual becomes credible enough to be lent. Come what may, borrowers will not endanger their home through inappropriate financial decisions. Loans and mortgages, either directly (secured loans) or indirectly (unsecured loans), affect the home through liquidation or by transferring possession of house. This happens in the event of non-payment of the unpaid dues. Consequently, borrowers will be regular in repaying the monthly or quarterly instalments on the Homeowner personal loans [http://www.easyfinance4u.com/secured_personal_loan.html]. Isn’t this what the loan providers desire? Getting back the amount lent without much hassles will be termed as lower risk. The preferential treatment allowed to the homeowners is the result of this very reduction in risk. The following article illustrates the benefits available only to the homeowners borrowing through personal loans.First is the number of loan providers that are prepared to lend personal loans to the homeowners. Almost every lender vies for the business of the homeowners. The deals offered include unsecured loans as well. Convenience rules the market. Borrowers will find it easier to locate the loan providers online. An online loan provider has his financial products advertised on its website. Applications listing the loan details can also be submitted online. This is relatively easier for borrowers since they do not have to run every time loan documentations have to be undertaken.Homeowners conventionally use secured personal loans. A secured personal loan makes use of the equity present in home. Equity is the market value that a home fetches after deducting any unpaid loan, for which home has been pledged. The maximum loan amount can be had on secured personal loan. Up to 80% of the equity present in the home can be raised as loan. Some loan providers are ready to lend up to 125%. The amount lent on unsecured personal loans to homeowners, though not equivalent to secured loans, will be higher than what the non-homeowners get.Homeowners are also benefited with a cheaper rate of interest. The reduction in risk is adequately compensated through a lowered interest rate. Borrowers must beware loan providers who claim to be awarding homeowner personal loans at the cheapest rates, but are actually adding several costs to the loan repayable. The appropriate method to compare interest rate will be through APRs. APR allows interest rate comparison on a more common base. Loan calculator lists the APR being offered by a multitude of lenders. This can be used to learn about the interest rate that homeowners get personal loans on. However, loan calculator only suggests the interest rate and does not give the exact measure that loan providers ought to charge. Many a times the details in the loan calculator are obsolete. Therefore, the loan calculator must be used with caution.Still another method of comparing interest rate (which does not involve time consuming calculations as in loan calculator) is a personal loan quote. The short-listed lenders may be requested to send a personal loan quote with the terms of homeowner personal loan specified. This gives the perfect measures for comparison. Personal loan quote puts no obligation on the borrower.Repayment terms are no different from those offered to the non-homeowners. Since interest rate is lower on homeowner personal loans, the amount repayable may not be higher. Since the repayment is to be made through monthly or quarterly installments, borrowers will not find the task as Herculean a task as it is for the non-homeowners. The differences are noticeable when the installments are not paid regularly. While the loan providers easily lose patience with the non-homeowners, they do not with the homeowners. Homeowners get payment holidays and discounted rates of interest during periods of financial depression.Homeowner personal loans, despite the advantages that it allows its borrowers to have, do have to be used with prudence. You surely wouldn’t like to lose your home for a repayment not made on time. Proper advice will go a long way in keeping the bad-effects of homeowner personal loans at bay.

Calling all marketers! Get ready to disrupt (yup, that’s one of them) your digestive tract with marketing clichés that will make you puke. These marketing buzz terms are polluting creative minds everywhere – and there might even be scientific evidence linking these cringe-worthy catchphrases to Millennials’ intense feelings of “I don’t want a desk job”. It’s certainly possible. However, for everyone else, can we make a pact?As fellow marketers and creative professionals, let’s kindly retire (or extinguish) these irritating phrases so we can all evolve past this “noise” cluttering our industry. Are you with me?!1. DisruptionFirst, let’s be clear. “Disruption” is really more of a business term. It describes a market condition that takes place when an existing market collapses and a new one emerges. It’s actually very similar to “Disruptive Innovation” which happens when a new market comes to fruition entirely. Uber might be a great example of both – depending on how you look at it.However, when this “Wall Street” phrase ended up leaking all over Madison Avenue, “disruption” and “disruptive” became overly used, watered down terms that essentially started to mean nothing.Certainly “Creative Disruption”, might have a place, as it refers to exposing business model flaws and promoting big changes in consumer behaviour (in the creative sense). However, I can’t help but wonder whether some Agency Account Director just throws out “disruptive” terms just to win some big account. I mean, come on. Disrupt what? Isn’t it our job as marketers to change consumer habits and get noticed?2. Growth hackingOkay, I realize that “hacking” is supposed to mean “coding” in this sense (not cutting down), but this phrase sure does sound like an oxymoron to me!Popularized by Sean Ellis and other techies in the early 2000s, the term was meant to describe non-traditional ways to achieve growth through experimental marketing strategies and emerging technologies. READ: this is also a glorified way of describing underpaid “bootstrappers” (oh, but with equity of course!) trying to unlock the key to “crowd culture” (yawn).Perhaps growth-hacking was a relevant, meaningful term 15 years ago, but not today. Most marketers are expected to (magically) achieve growth with technological brilliance and creativity because it’s our job. Sound like a lot of pressure? Well, welcome to marketing.3. SoLoMoOh no-no. If your ears have not been scarred yet by this irritating term (in what seems like “slow-mo”), it means “Social-Local-Mobile” as if this is some genius concept or secret to being relevant. So, please, don’t use this catch-phrase. Ever.4. Actionable InsightsActionable? As opposed to “Well, we learned something today, and we’re not going to do anything about it”.I mean, am I missing something? Where does one look for “actionable insights”? Is this something people need in addition to regular insights? For example, if I’m comparing landing page performance in The Marketing Manager, and I see one campaign outperforming the other, I think I know what action to take. Do you?5. Seamless IntegrationIf you work in the tech sector, I bet you are emphatically nodding your head “yes”. This godawful term is about as common and meaningless as your vendor saying “we have an API” when asked “does your product do (xyz)?”.In fact, let’s just throw in some puzzle pieces to truly visually convey (because we’re idiots) that our software seamlessly integrates (puke) with boredom and clichés. After all, we need to “scream” that each piece of our ho-hum app actually functions when interfacing with some other random technology.And while this style of tech marketing seems awfully common (more like ubiquitous), to me, it feels rather ironic. After all, I’m pretty sure that puzzle pieces have jagged, noticeable edges. Don’t they?Besides, there is no such thing as “seamless” integration. It takes work and maintenance for two tools to “talk” to one another – and you (the consumer) get to pay for it. There you have it.6. Turn-key (and everything “key” in general)Let’s face it. If someone offers you a “turn-key”, “off the shelf” solution, does it make you open your wallet? Personally, it makes me turn into a glazed-over zombie. Why? Because even if something is difficult, a brand will either never admit it or up-sell you the “turn-key” solution (rigor mortis setting in).Now of course, I understand that this term was once synonymous with “effortless”. Nevertheless, it has since evolved into a useless adjective that lazy marketers use to describe some blah-blah-blah with blah-blah-blah. That being said, I propose we lock up this useless adjective (pun intended).In fact, as long as we are stuck on cliché doorway analogies, can we please also stop saying [anything]gate to describe a conspiracy theory? Maybe I’m being unreasonable, but I would love it if people could coin something new. After all, the key (cringe) to creative marketing is to explain concepts meaningfully. That’s why “turn-key” is no longer descriptive; tell me WHY something is so effortless – in an engaging, concise way. Does this sound difficult? Well it is. That’s why creative people have jobs.7. Content Is KingYawn. “Content is king” and “(whatever) is queen” sounds like a big, gay party – but everyone’s really bored with it.It’s no mystery. Live sports and fan favorites like “The Walking Dead” keep Cable television in business. After all, those Cable bills are expensive! Perhaps that’s why this cringe-worthy, irritating phrase simply won’t die; decision-makers in the media universe are ignoring the fact that modern consumers are stingy with their time. How else can we explain this endless sea of boring content?Maybe I’m wrong, but here is my understanding of modern consumers (who all have built-in A.D.D)AWESOME content = I will only tolerate ads if they cannot be blocked. And if I really hate ads, I will PAY to have them blocked – so please stop forcing these painful pre-rolls and what feels like 10-minute commercial blocks on me.BORING content = I hate you for wasting my time – also known as “get out of my in-box” syndrome while emphatically clicking “spam”.Assuming that the media gods disagree with me, I believe this painful phrase will continue to exist.8. AdvertainmentSpeaking of “content is crap”, marketers make up stupid terms like “advertainment” to seem like they’re solving some really big cultural problem – but they’re not.”Advertainment” is essentially just an annoying way to explain “branded content”, product placement or flat-up fantastic marketing in disguise. I understand the concept, but here’s the problem: if you call your own work “advertainment”, you sound like a pompous fop.Don’t get me wrong – some marketers have managed to make advertising very entertaining, including Red Bull with their adrenaline junkie videos, and AMC with their Walking Dead and Mad Men apps (also known as “gamification” – which theoretically could make this list).Nevertheless, does “advertainment” really solve a problem? I guess so, but can we please not call it that?In all seriousness though, if you are a marketer that somehow figured out how to move product without annoying people, congrats. This is an achievement. I’m serious.9. Ecosystem (to describe everything)Are we a bunch of ants stuck in a science class diorama demonstrating seamless integration (see term #5 above)? Silicon Valley seems to think so.We hear this word a lot, especially when some “thought leader” (yawn, could also make this list) is ill-prepared to answer a tough question in a meeting.”Well you see [insert CEO name here], our next step towards changing consumer behavior patterns is to move the social conversation to the Internet-of-Things ecosystem,” said the slightly hungover marketing executive recovering from last night’s vendor bender.Look. We’ve all been there, but the use of the word “ecosystem” is starting to feel out of control. Somehow, everything can arguably be an ecosystem, including that Chia Pet they sell in Walmart. Do you see what I mean? Germination. Photosynthesis. Whatever. And it all brings me back to where I started: my seventh-grade science class.10. Snackable ContentDoesn’t this phrase make you want to vomit? Personally, I find it nauseating, but here’s some “food-for-thought”: the term “content consumption” is actually the mothership concept that spawned this ugly-duckling buzz term. All it means is that time-starved consumers prefer concise headlines, bullet points, easy-to-read lists (unlike mine), and pretty much the opposite of heavy, homogenous-looking text. Makes sense.Nonetheless, isn’t it amazing how unappetizing this trite phrase sounds? I actually almost puked (in a good way) when Grant Higginson of Welby Consulting tweeted it to us during our “Tweet the most annoying marketing buzzword to win a drone” contest. Needless to say, he won.

Your mother always warned, “Don’t put all your eggs in one basket” and those words of wisdom can be applied when financing a business. There are a number of methods that can aid buyers in financing a business. Buyers must recognize their available resources such as the seller, lenders, and investors.As a child, we’re encouraged to “dream big” and told that nothing can stop us, but ourselves. As entrepreneurial adults, this idea of dreaming big is often a part of your everyday routine, but it is inevitable that at some point you’ll come crashing down from those heights into reality. The realization that financing your particular endeavor can instantly dampen even the most impassioned enterprising individual can get you down. To put it bluntly, “Don’t let it”.Having a reality check on the difficulty of securing financing for a business can be the first step towards making your dream an actuality. There are numerous types of financing available, some more unorthodox or obscure. If you take the time and effort to research all avenues for funding you will be rewarded.There are two main types of financing: debt financing and equity financing. It is important to you and the success of your business that you familiarize yourself with the types of financing in order to choose, seek, and finally, obtain the right form for your needs.Debt financing involves borrowing money that will be repaid over a certain allotted time with a set interest rate tacked on. The time of such financing can be short term or long-term. In most cases, short term financing would include repayment within one year, while long-term financing would entail repayment in a time period that exceeds one year.An advantage of this type of financing is the fact that the lender will not gain ownership in your business. You remain in control and your only obligation to them is to make regular and timely payments. In the case of small startups, a personal guarantee is often needed to facilitate the closing of the financing deal.Equity financing, unlike debt financing, will involve giving the financing entity a share in the business. Some business owners dislike the idea of losing any amount of control. On a positive note, this type of financing does not incur debt. This kind of freedom from debt can give a greater sense of security in starting a new business. In addition, some entrepreneurs find great value in their equity financing partners, and see their presence as an asset.The type of financing you will choose is based largely on the needs of your business and the kind of collateral, or available assets you have to offer. A substantial amount of debt financing can lead to poor credit and a shortage of funds in the future due to an inability to apply for more financing. A business that becomes overextended, offers little collateral, and is steeped in debt is not an appealing option for many investors.As previously mentioned, there are other more unorthodox methods of obtaining funds that can certainly prove to be beneficial to your business. Some options can be found in your own circle of friends and family. One benefit of this type of financing is obtaining the money and a silent partner who will most likely not interfere with your business. It can also eliminate some of the red tape involved with more traditional forms of financing. This does not mean you can simply use a verbal agreement or “shake on it” to signify and bind the transaction. This is still a strategic business move and you must treat it as such which means proper documentation, clear terms, and mutual understanding of those terms.Relationships can be ruined over inept efforts with this type of financing, so value your business and the other person by treating it with professionalism, attention to detail, and respect. Don’t become the black sheep at the next family reunion over some misunderstanding or your falling behind on payments.A few other options that are largely unknown to those who haven’t done research include unsecured loans and micro-loans. Resources such as TheSnapLoan.com or Prosper.com offer loans based on cash flow, credit score, and debt-to-income ratio. Government grants are also a largely untapped resource that is made available to entrepreneurs. Simply researching the website Grants.gov can be extremely helpful in your search for funds.Venture capital is another route that many entrepreneurs look to due to the amount of funding that can be procured. A venture capitalist will likely offer larger sums of money that can be of great assistance to your business, but they will also gain a certain portion of control and ownership. This type of funding however is usually scarce due to the assumption that many startups will inevitably fail. You will need to find someone willing to take the risk and who sees potential in your vision.This type of person could also be found in a more palatable option known as the Angel investor. The Angel investor typically has a high net worth and like the venture capitalist, must believe in the product and the person behind the product. Their loan often converts to stock, preferred stock, or convertible bonds.Les Brown, an author and entrepreneur, says, “Shoot for the moon and if you miss you will still be among the stars”. This is an extremely appropriate sentiment as it encourages you to keep dreaming big and ultimately those dreams combined with perseverance and research will take you closer to where you want to be.The following is a chart that demonstrates the normal financing options available to businesses in different stages of the business life cycle.For more on these topics visit Dyer Consulting Group

Providing the very best in in-flight entertainment (IFE) is a challenge, especially with a new generation of media savvy consumers looking for innovative ways to be entertained during their journey. And with the continuous evolvement of technology, such as games consoles, personal TVs and audio video on-demand (AVOD) systems, the demand for first rate on-board entertainment is higher than ever.However there are IFE experts in the industry at hand to help – leaders at providing a first class entertainment experience to airlines and their passengers. These experts can not only advise on technical matters related to analogue and digital IFE systems but will also meet all of an airline’s passenger entertainment needs from the delivery of Hollywood Blockbusters and classic movies to popular TV shows and music channels. An experienced IFE content service provider (CSP) will put together a cost-effective solution within an airline’s timescales and budget. With an in-house production team of graphic designers, motion graphics specialists and editors they can also deliver any creative work that is required such as entertainment guides, safety films, pre-recorded announcements (PRAMs) and graphical user interfaces (GUIs) for AVOD systems.The process of producing a great IFE package begins with the CSP working closely with the airline’s in-house IFE department to thoroughly understand the company’s brand values. Next an in-depth research stage is necessary that takes into account passenger demographics, route networks and seasonal changes. From these starting points an on-board entertainment solution can be developed, tailored to meet the airline’s exact requirements and business objectives.The IFE provider should have in place a wide global network of content suppliers to ensure that a unique and entertaining package can be offered to passengers during their flight. The success and popularity of movies, TV programmes and music across local regions should always be taken very carefully into account. All content needs to be fully screened for suitability, quality and entertainment value by the CSP before recommendations are made to the airline.If you’re thinking of introducing a new in-flight entertainment package to your airline or improving an existing one to help improve the passenger experience, then finding a reliable CSP with a proven track record is the first step. Many CSPs can provide part of what you need such as movies and TV shows but they can’t deliver important extra services that you may well need down the line such as safety films and entertainment guides. It is essential to find a first rate, one-stop-shop IFE provider that can deliver everything you need so that your airline can benefit from a faster, more tailored and cost-effective service.

In this world we live in today there are tremendous opportunities to market your business online. It can be very confusing to navigate this online world and make sound decisions that maximize the value of your marketing efforts. To help you solve these struggles, below are several ideas to take away and implement right away to bring you more success.Social Media Enhances Marketing Your Business OnlineSocial media is all the rage lately, and for good reason. Today Facebook is the third largest nation in the world with 500 million users: China, India, Facebook then the United States. It’s one of the best places to expose your business. Facebook makes this easy through the creation of Facebook Pages where visitors looking for more information about your business can find you. Setting up your business Page is simple and can be finished in a matter of minutes.Twitter has created a massive audience that is quickly growing to 200 million users. It’s becoming one of the first sites people visit when they log onto the Internet. Not only are people reading other people’s messages for personal amusement, but they conduct searches to discover new businesses and new products.These are two of many different online media available for marketing your business online. This interaction with your customers will benefit your company by highlighting concerns where you can respond immediately. You can put out fires when they’re only smoking, before they grow into a real problem.Understand Your Customer To Solve Their ProblemsWhile ideas of creating the next Chia pet might seem like a good idea, they don’t solve anyone’s problems. The best way to grow your business is to focus on a niche audience and solve their real world problems. Once you have discovered their problems, you deliver products that are truly needed. Through social media in which those niches participate, time spent marketing your business online will return profit.Marketing Your Business Online Is A StoryYour “story” is more than a buzz word when it comes to marketing your business online. Consumers are quick to ignore pitches and fake product reviews. They will listen intently to a story from a user and how they used a product to solve a problem. You know how good you are eyeball-to-eyeball with prospects — your story should be specific and related to directly to your prospect’s need. Online, too, this builds trust in people for you and your business. Build on your relationships with customers through your social media efforts.Online Marketing Demands You Listen Then EngageListening to your customers’ conversations about your business and your competitors is extremely important. If customers talk about you in social media, no response to their requests and problems will adversely affect your business popularity. Customers demand to be heard more than ever! Listen carefully to what is said, then develop a sound response. Rushing to conclusion is never a good idea and further confuses the marketplace.There are many other ways you can market your business online effectively. These tips will help transform your marketing effort into something modern and effective. Interacting with customers has never been easier than online. Marketing online is far cheaper compared to traditional marketing media.Marketing Your Business Online Is Where Your Customers AreIt is always best to go where the people are. Right now, eager buyers are shopping online for what you offer. They’re all online waiting to hear what your business has to say. They’re listening for your stories and eager to engage with you. What are you waiting for? Start marketing your business online today.

There are so many reasons for taking a personal loan. You may decide to take a loan because you want to pursue your studies, you want to maintain some necessary upkeep or you want to simply enjoy your life. What you should know is that you can either opt for a secured loan or an unsecured personal loan. The issue about secured loan is that it is a very unsafe type of loan because you are obligated to provide guarantee for the loan and if you are unable to pay back the loan as agreed, know that you are going to forfeit what you set out as guarantee to the lender.If you take out a personal loan, this is a very big chance for you to make use of the available money to better up your affairs. But this is only going to be possible if you make a wise use of the money. When taking a loan or any other major financial decision in life, you should know that there are times when things may not work the way you plan. Remember that there are situations in which you may have no influence over what nature holds. Your health may deteriorate; you may no longer be working. What about the case of death? All these will have a bearing on the way in which you are going to pay the debt. In one case, you may not be able to repay all the money and in another case, you may not even be able to pay a fraction of the debt. If you took out a secured loan, you will have to forfeit your belongings. To ward off any of such problems, it is always advisable to take an insurance to cover the loan.If you take out such a cover, you will be sure that there will be at least a guarantee that the loan will be paid when things go bad. The premium of insurance over a personal loan is not the same for every type of loan. It will first of all be settled by what you have as balance of the loan. There are also many categories of insurance and what you decide to take may influence the amount you pay as premium. Whatever the case, it is good that you opt for this cover because this is what is going to give you an assurance that your debt will be paid even when you are plunged into more serious financial crises.Three categories of loan indemnity exist. But ahead of opting for any, you should talk this out with the lender. Also remember that the terms and conditions of any insurance cover on a loan will vary according to the rules and regulations within every state.There is a personal loan death insurance that will have to cover a specified percentage of the loan in case of death if there are two signatories to the loan. But if there is just one signatory to the loan, the insurance will cover the whole of that loan. There is however a fixed amount to which a loan cannot go beyond.There is a disability plus insurance on a personal loan. This will be used to cover what you owe to a particular percentage. Under this scheme, you will also be paid a certain monthly sum to take care of your necessities.Involuntary Unemployment Coverage loan cover is another type of insurance that you can opt for. This will also cover a certain percentage of what you and this will cover you up to a certain period.Whenever to decide to take a personal loan, always make sure you take out the necessary cover to indemnify it. Remember that you may not be able to have full control over your financial future. There is so much that you can loose when you fail to take out this cover.You can take out insurance to cover a loan from the lender. But make sure that you are fully aware of the ins and outs of everything ahead of accepting it. Remember that every reasonable lender will be open to talk about what will make him or her have his or her money back.

Most of us fall in love with a car at a dealership and that’s the end of the story. Hey, where do I sign? Even if we do a great job of chipping away at the sticker price and feel pretty darn good about ourselves, we often get burned on the financing end of things. This is especially the case for people trying to score an auto loan with some bad marks on their credit report. Many times, these people are so surprised to hear that their auto loan has been approved that they sign on the dotted line before the dealer has a chance to change his mind! Only later do they realize just how poor they will be for the next 5 years because of the interest rate on that auto loan.What are my financing options?See, now you’re thinking! Impatience will cost you in the auto loan game – every single time. Potential auto loan sources include: a traditional bank, a credit union, financing through the dealership, and the newest darling on the scene – online auto loans.OK, so what is the best option?Well now, this all depends. How does your credit history look? If you have a mortgage and checking account with a traditional bank, then they will probably give you a great rate on your auto loan. The dealership will often find an auto loan for people with a poor credit history – but the cost of driving that car off the lot could eventually lead to even worse credit, when they have the car repossessed because they can’t afford the payments. The best place to shop around for the best rates on an auto loan is definitely online.Uggh! I hate that stupid Internet! It takes me forever to find what I am looking for!Oh come now – how long can it take to type “auto loan” into Google? If you don’t care about possibly paying thousands of dollars more in interest by letting the dealership “help you out” with financing, then by all means go that route. But, for people that want the best rate possible on their auto loan, the Internet is the place to start the search.But how do I know that I can trust those Internet people with my financial info?Very good point – and that is definitely something to consider. To begin with, many traditional banks offer online auto loan applications as a service to their customers, which also saves the bank processing costs. You can apply for Chase Manhattan auto loans online or down at one of their branches. In many cases you will find that banks offer these online loans at a smaller APR than you can get by actually going down to a branch. Chase Manhattan auto loans is one example of this, but many financial institutions offer their online customers a better rate.Now why would they do that?Not too trusting, are you? Hey, that is a great trait to have when shopping for auto loans – don’t forget it! What you are looking for is the catch, and here it is: In most cases, you will get a lower rate on your online auto loan because you will be required to sign up for automatic electronic payments. Plus, seeing a loan officer at the branch takes up the time of employees, and uses other resources that aren’t needed when you submit your application online. But remember, not all institutions offer lower rates like Chase Manhattan auto loans. And even Chase requires you to sign up for automated payments in order to get a break on the rate.And what else should I know?At the very least, shop around for rates on auto loans using the Internet before talking with the traditional institutions, such as bank branches or dealerships. Just knowing what kind of interest rate you can get on an auto loan can help you when you are down at the dealership drooling over that hot new car! Remember, knowledge is power – so don’t just walk into a dealership without knowing what kind of interest rate you can expect for an auto 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).

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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.