Being healthy is a basic requirement in order to fully appreciate the good things around us and be inspired to work for the realization of our dreams and goals. It is a fundamental necessity to earn a living in order to survive. When you are not healthy, your routine activities are disrupted. Medical news show that discomforts caused by annoying bodily disturbances or by nagging problems result in persistent unhappy moods that may drain your capacity to cope and adjust.But then, how do you know you are healthy? Perhaps you may consider yourself healthy but are considered unhealthy by another. You may have your own idea of what characterizes a healthy person. It is indeed better if everyone has a common basis for determining when a person is truly healthy. What then are the qualities that one must have in order to be considered healthy?To determine the status of your health, you should look into the six dimensions of your life which is the physical, mental, emotional, social, vocational and spiritual dimension. These six dimensions will give ideas to ascertain the level of health. Medical journals say that all these are expected to interact in conformity with each other. Any disorder involving one dimension may affect other dimensions.Physical health involves the different systems of the body. All the body mechanisms are expected to operate harmoniously to be considered fit in meeting the demands of daily activities. Each system should monitor the functioning of the organs to make the necessary adjustment in order to maintain balance. For example, when you are suffering from loose bowel movement, the other organs that release water such as the sweat gland and the kidneys will be called upon to conserve water to prevent dehydration.Mental and emotional health can be seen as your way of looking at your ability to perform your task and face problems in an appropriate manner. It is also the capacity to make and apply good decisions and at the same time feel good inside. If you possess mental and emotional health, you are optimistic in life and are appreciative of the things around you. You can also accept disappointments with courage and composure. Social health includes your ability to get along with others and create a relaxed atmosphere by being sensitive and responsive to the needs of others.Vocational health applies to your behavior and attitude in carrying out the duties and obligations of your chosen career. As an adult, you should consider your attitude in doing your responsibilities as a worker in preparation towards gaining financial independence in the future. Spiritual health is also another important dimension. Any disturbance in the operation of the other dimensions may still be handled as long as spiritual health is maintained.All these dimensions overlap and interact with one another. Therefore, to be in the best of health and experience fulfillment in life, you should see to it that all these dimensions work cooperatively to attain balance. Be alert with the latest health news and what you can do to maintain optimum health. To achieve this, you have to accept the responsibility of looking after your own health to live longer and at the same time experience satisfaction and happiness.
Home Improvement: To Build Your Very Own Comfort Zone
Home is your sanctuary. The place you go back to every night and somehow it doesn’t seem right. Your home is an expression of who you are and if you walk out each of a place that you does not seem to belong to you then probably your home needs improvement. You are probably guessing how you are going to make the payments for your home improvement. Your home remodeling plans are no longer to be restricted to the thought stages. Let them see the light of day. Home improvement loans will provide you with a dependable groundwork to build on the home you have a vision of.Home improvement is predominantly triggered by the desire to own a comfortable home. Home improvement can be slightly difficult, if your financial position is tight. This is where home improvement loans have a function to perform. Being a homeowner you could not have been in a better position to apply for a home improvement loan. Home improvement loans are functional for any kind of improvement or home extension. Home improvement loan is available for double glazing, new conservatory, heating system, new kitchen, rewiring and plumbing or any home remodeling that you can think of. The cost of home improvements is generally paid by savings or revolving credits like credit or store cards. Credit cards imply no borrowing. In many ways it is idyllic for there are no repayments to be made. But credit cards can be an expensive option especially if the borrowing extends beyond the credit limit. Store card interest rates are as high as 30%. In every circumstance a personal loan for home improvement is a more disciplined and cheaper option.Home improvement plans can be funded by means of a secured loan, unsecured loan, remortgaging or taking further advance on your mortgage. Unsecured home improvement offers a typical flat rate of interest 12-14%. But a little bit of research will get you an unsecured home improvement loan for 10%. A secured home improvement loan indisputably attracts lower rate of interest. APR of a secured loan is around 7%. You can borrow anything from £ 5,000 to £ 75,000 for home improvement. The repayment term can be extended from 5 years to 25 years depending on the loan amount, your available income and the amount of equity in the property.In the contemporary context, one of the ingenious thing one can do with a home’s equity is to put it right back into the home. Home improvement is besides providing you with the much needed changes, increases the equity of your home. There has been a rise in home improvement loans in the past decade. If the property cannot be sold then home improvement is the answer. Home improvement is remarkable if your primary motive is to raise large amounts. But not every home improvement will improve the resale value of your home. So it is recommended that you stick to those home improvement plans that give you the maximum returns. It is important to remember that over enthusiasm with improvement won’t lead to any gain. It is difficult to recover investment in a home that is already more valuable than those in the neighbourhood. And keep your whimsical tastes to respite for there might not be many mainstream homebuyers for them.
Home improvement loan might seem like an unreal thing for many homeowners. But the newer more sophisticated home improvement loan options are very easy to adjust to. They are designed to keeping in mind the conditions and status of every homeowner. The ever expanding mortgage market gives you an opportunity to apply for a mortgage for home improvements and that too in the most uncomplicated manner. More and more homeowners are administering for remortgage to raise capital for home improvements. By completely remortgaging the consolidated loan, the entire mortgage market is assailable to the loan borrower. If you care enough to shop around then you can find a very reasonable and cheap mortgage loan for home improvement.Home improvement loans are a package that includes any kind of meliorations that you can think of. It is your home and you have every right to improve it the way you want to. Contrary to accepted conviction home improvements are vital and absolutely necessary. Why home improvement? If that is what people ask when you suggest it then they probably don’t know what is the meaning of comfortable living is. Home improvements improve the quality of life. We work hard and save money to buy personal satisfaction and comfort. If the house that we have build does not provide the relief then perhaps home improvement is what you need.
Selecting Plus Size Women’s Clothing Online
Given the number of plus size ladies that there are in the world it is remarkably difficult to find plus size women’s clothing. The world of fashion seems to think that everybody is built like a supermodel, despite the fact that this clearly isn’t the case. For the most part the only way to find plus size women’s clothes that look good has been to buy them online. There are lots of websites that sell clothes for the larger lady.The first thing that you are going to have to do when you set out to buy plus size ladies clothing online is to decide what you are looking for. After all you wouldn’t buy all of your clothes in the same store. You would choose the store that you are going to buy from based on what style of clothes you are looking for. The same is true when you buy plus size women’s clothing online. You will want to choose the websites that you are going to look at based on the style that you are looking for. Otherwise you could spend hours looking for clothes.One you have a good idea of what kind of plus size ladies clothing you are looking for you will want to decide where you want to buy them from. There are basically two options, you can buy from a large retail site or you can buy from a site that specializes in plus size women’s clothes. Some people feel more comfortable buying from the large retail sites that they are familiar with, trust is an important issue when you are buying online. On the other hand if you buy from the smaller specialty sites you will be able to find plus size women’s clothing that you wouldn’t be able to find anywhere else.The biggest issue that you are going to face buying plus size ladies clothing online is that you won’t be able to try the clothes on before you buy. That means that you are going to have to know your size. It is a good idea to make sure that you have accurate measurements before you start shopping. Clothes that don’t fit right will make you look bigger than you actually are, not something that you want. Any time that you buy plus size women’s clothes online you are going to want to check the return policy of the site that you are buying from.Since you can’t try on the clothes there is a chance that you will get something that doesn’t fit, you need to know that you can return the item if it doesn’t fit. Other than that the basic rules of safely buying online apply. You will want to make sure that the site that you are buying from has a secure checkout so that your credit card information is safe. Beyond that you should have no issues buying plus size ladies clothing online.
The Beginner’s Guide to Organic Skin Care Products
Can you imagine a world filled with skin care products that cause ZERO negative side effects? Skin care products that are made with 100% all-natural ingredients that work in harmony with your body’s natural processes? The relief of choosing a skin care product that will most likely provide the results you are looking for?What I’m referring to here is the organic skin care product market. And if many regular skin care manufacturers follow the path that many organic skin care product manufacturers are currently, then the skin care product market will be absolutely revolutionized. However, it’s unlikely that this will happen anytime soon.The problem with the skin care market now is: There are too many companies producing low-cost, low-quality products and selling them at low prices in locations that are easily accessible to consumers. Do you think they’re going to stop selling these products? NO! But we naturally as humans look for the best deal we can get. So these extremely low quality, low priced products are being used by hundreds of thousands of people. And you know what the sad part is? We have no idea what ingredients are being used in them!This is why the organic skin care market is really taking off. Many people are now realizing that they are getting what they pay for- cheap products, with cheap ingredients, that produce cheap results (or lack thereof). Unfortunately, most of the people that are using organic skin care products now are using them because regular skin care products were reacting negatively to their skin and body.What ALL CONSUMERS NEED TO KNOW is they can easily avoid the negative results and side-effects of using a skin care product by using organic and all natural products. Sure they may be a little bit expensive now, but that’s only because they contain the best ingredients from the best sources that produce the best results.Breakthrough ingredients like Functional Keratin (a patented ingredient known as CynergyTK), extracted from the wool of New Zealand sheep, that can be converted to natural keratin, which you already have in your body, and made readily available to the skin. It also stimulates the production of collagen and elastin in your skin, which allows your skin to stay firm and elastic. Many skin care products now claim to have collagen and elastin in their products. However, collagen and elastin molecules are way to large to be absorbed through you pores, leaving the molecules sitting on your skin and making them absolutely useless!Another great organic skin care product ingredient is Nanobelle CoenzymeQ10. CoenzymeQ10 (CoQ10) is a vitamin-like substance found in every cell of your body responsible for efficient energy production and protecting capacity, or antioxidant power. CoQ12 is actually used in many skin care products now, but very few of them contain a sufficient concentration of it in a form that can effectively penetrate the skin. Nanobelle CoenzymeQ10 though is a special ‘nano-emulsion’ form of CoQ10 that can penetrate deep down into your skin. And once again, the “effective” CoQ10 found in most skin care products sits on the surface of your skin, providing no benefit whatsoever. Nanobelle Coenzyme10 also has very powerful antioxidant properties and is proven to counteract free radical damage to your cells and even protect your skin against the sun’s harmful UV-A radiation.One more powerful organic skin care product ingredient I’ll share with you here is active manuka honey. Since ancient times, honey has be used for its wonderful healing properties on the skin. Active manuka honey, exclusively found in New Zealand, has significantly high levels of antioxidants that protect and stimulate your immune system. It can penetrate deep into your skin, nourishing and rejuvenating it, giving you younger and softer looking skin. It’ll even strengthen collagen and protect your body from free radicals. It also has amazing antibacterial properties, making it effective at healing blemishes, including acne and even eczema and psoriasis. Truly power stuff.Can you see the power that organic skin care products are bringing to the market? Can you think of any reason NOT to invest in organic skin products over regular products? Sure they are a little bit more expensive. But if you jump in the market now, and spread the word about organic products, then a higher demand will bring down the prices to a well-affordable level. It’s all economics. It all makes sense. Organic skin care is the future of effective skin care.
Advertising in the Age of Google Empire: Killing Off Big Media Dinosaurs for Your Profit
Here’s a bold claim. Whatever your business, whether it’s brand new or well established, whether you live in America, on the Continent, and almost everywhere on the globe, Google and Google AdWords affects you today and will, in all likelihood, affect you even more in the future.This is not an exaggeration, simply a statement of fact.Just two decades ago, only a few people on the globe had ever heard of the World Wide Web. Originally governmentally funded solely for things like noncommercial research and enhanced networking capabilities for universities and governmental agencies, including NASA, the National Science Foundation, the Department of Energy, and the military, the world of communications and information exploded almost instantaneously in 1992 when the United States Congress opened it to commercial activity.Most Americans’ first experience with the Web came about with the peculiar, but very useful, little communication tool called email and the development of online tools and the first search engines like AOL, Netscape, even Yahoo. But, in point of fact, for most folks it was merely a fun novelty until two bright Stanford students, one born in the U.S.A. and the other an immigrant from Russia, set the internet world on its head. The world knows their work as Google.Like an electronic tidal wave, it submerged its competitors. Seventy percent of all global searches are made on Google. Every continent, nation, and city on the planet in hundreds of languages, including Klingon for Star Trekkers.”All very interesting”, you might say, “but I thought this was supposed to be about how Google advertising affects me”. To which I say: “Two words: Google AdWords.”Here’s the real deal you need to know. Even if you aren’t advertising your business with AdWords, your competitors are, to your business disadvantage.Don’t take my word for it. Consider: “We’re not in the business of keeping the media business alive… we’re in the business of connecting with consumers.” Trevor Edwards, Corporate V.P., Nike, Inc.Maybe you ought to ask yourself whether continuing to spend thousands and thousands of dollars for so little return on your investment makes sense when there’s a better way of getting customers. Think about the antiquated marketing model, you know, the one we all grew up with: radio, television, signs and posters, newspapers and fliers, magazines, billboards, Yellow Pages, and more. So expensive, so inefficient spreading your advertising marketing message far and wide instead of targeted messages to your real audience. Such a waste of your valuable marketing budget.Thousands, tens of thousands, sometimes way more, of dollars given to Big Media, making it rich and you, well, not so much. Can you keep throwing your money down an advertising hole? That sucking sound you hear is your valuable dollars, pounds, euros, dinero in the black abyss of old-style advertising. Sure, Big Media was once the mightiest economic dinosaur of all but, like its ancient reptilian ancestors, it awaits its cruel fate.You may be concerned about the risks of making dramatic changes in your approach to marketing but it is better to concentrate instead on the risks inherent in failing to make the changes necessary to compete for the modern consumer.We all know that many otherwise-smart companies remain mired in prehistoric marketing methodologies. If you’re hesitant, think about the fate of the dinosaurs, your competitors, and Big Media. Dinosaurs from long ago, competitors of today, Big Media. Carnivores all.How can you possibly compete in the face of all that? Simple: level the advertising playing field with the revolutionary Google pay per click model, still in its infancy, but already so powerful that it already reaches 85% of the world’s markets. 85%! Hundreds of countries, every imaginable language, every imaginable market. All not only affordable (you pay only for clicks on your ads), but once you understand the techniques for writing AdWords ads, you can set your marketing campaigns around your budget, compete with the Big Boys of commerce on your terms, and dramatically increase your customers through targeted ads.There is no exaggeration here. Just a decade old, AdWords advertising is the marketing meteor that, having flamed to earth, is killing off the Big Media dinosaurs. It’s almost everywhere. You see it every time you, and hundreds of millions of others, search Google. It’s probably on your cell phone and certainly on your Gmail. It’s on every YouTube video, not to mention over a million (!) commercial websites. Imagine your AdWords ad in the New York Times, Fox.com, or Sportsillustrated.com! And, now on Google TV which some are predicting will be more than a hundred billion dollar market.Plain fact is that, whether you’re a professional like a doctor or lawyer, own a brick and mortar or virtual store, a contractor or plumber or other service provider, student, housewife or househusband who wants to work at home to make a bit more money, AdWords already affects you. If you’re not in the online marketing game, know this: your competitors are.Your choice is stark. Be in the business of keeping Big Media advertising on life support… at your expense… or get in the business of connecting with customers in today’s world.
Traveling For Free – Travel and Tourism Jobs Overview
Getting a job in travel and tourism can enable you to earn some money while traveling the globe or staying overseas for a year or more. This way, you can be continuously traveling and enjoy the discoveries that come with it.Many larger tourism operations (cruises, beach resorts, hotel chains, airlines, amusement parks, travel agencies and wholesalers) are needing a variety of skilled employees (bartenders, cooks, waiters, receptionists, flight attendants, tour guides, musicians, security personnel, shopping specialists, massage therapists, medical personnel, babysitters, photographers, drivers and pilots, clerks and various customer service personnel, etc.)If you already have training and/or experience in any of these fields of work you could be an excellent and easy candidate for a travel and tourism company. Many of them will hire overseas and arrange for the necessary work permits. If you don’t have prior experience in these fields, there are training courses galore – but you could always try as you are for some of these jobs. Several of the junior positions are geared towards students.These kinds of jobs do tend to be more long-term and will suit those inclined to the traveling lifestyle. They can also give you the chance to live abroad for an extended period of time without necessarily engaging you in a career. Many of these jobs will be found within large companies but you can also find them out in smaller businesses where there can be less constraints and looser structures.It is also interesting to look into the direction of becoming a travel writer or to be producing travel videos on your own. There are now many opportunities (especially online) to create written, filmed and photographed content related to your travels. Lonely Planet, for example, will pay you 500$ for a travel video if they find it interesting. In several countries, you can easily live on 500$ for a month.There are quite a few online and printed magazines that will pay for and publish good travel writing. This also includes literary mags which will sometimes accept travel fiction and poetry. In addition to getting some money back this gives you a platform for self-expression and connecting to people. On top of this, there are travel writing contests that will give out cash prizes and free trips to the winners. Look them up online in Google.There are many kinds of free travel opportunities – getting a job related to traveling is only one of them.
Payday Loan Direct Lender – The Quickest Way to Get the Money
Even with the presence of numerous discussion threads on the internet, there are hardly any which deal with payday loans in detail. Some look at loans with suspicion, others revolve around the economic problems which have led to such a scenario. But there is one point where everyone is unanimous, that is, cash loans are good solution if they are handled well. Payday loan in actuality can solve your cash problems especially when they are negotiated upfront directly from lenders to determine the loan system and any legal obligations arising from it.One of the arguments given by opponents of payday loan schemes is the heavy interest rate which is attached with them. Though everybody is ready to pay some money for availing cash benefits, but the question is whether payday loans are beneficial when their interest rates are considered? When compared to regular loan schemes which are also available and competing with payday loan schemes, there are few schemes which provide short term loans without any property being used as collateral. And this ease and convenience is only provided by payday loan schemes which provide short term loans without any collateral.In payday loans, the lenders directly lend the borrower certain amount of money which he has to pay back to the lender along with the interest on the day the borrower receives his pay check. This scheme is useful in times of urgency or immediate need of cash funds. Getting payday loan is very easy from the lender as it requires a very limited amount of paperwork and documentation. And the money is given to the borrower immediately after the application for the loan has been made.Internet provides a cheap and fast way to apply and receive a payday advance. Lenders have increasing shifted to online transaction systems and provide their services at the click of the button. Now the applications can be submitted directly through the internet without any delay and tiring paperwork saving time, energy and resources for the borrower. Another added benefit of online lending is that the required amount is transacted in less than day after the application has been submitted by the borrower.The red tape and lengthy documentation procedures which caused delay and embarrassment are things of past. The payday advance schemes do not require mortgages nor demand heavy paperwork making the entire exercise comfortable and easy.The entire procedure is very easy and is different from conventional loan application procedures. Payday advances does not require credit history check of the applicant thereby eliminating the ground of refusal on the basis of poor credit history of the applicant. Also, it does not require any security when you apply for loan. In the end, the benefits offered by payday loan schemes are on all accounts better than those given by regular loan schemes.It is necessary to go through the entire loan scheme when the application for the loan is made. Payday cash advances are short term loans which are provided immediately in return for high interest rate. And there is a heavy late payment fine in case the debtor defaults on his payment. It is better to look at payday schemes as an easy way to draw money from your next month’s salary instead of looking at it as borrowing.The bad reputation of payday loans has arisen more from inability of borrowers to pay the sum at stipulated time and consequently defaulting on their loans. They end up blaming the entire lending system for failure which in case was a failure on their parts to repay the loan. The payday scheme is beneficial and also very helpful for those borrowers who understand the working of the scheme. It is a simple way to meet your immediate cash problems.
Gardening Tips for Beginners: Ten Steps to Success
Essential Gardening TipsGardening Tip #1: Build on a Good Foundation.First, you must check the nitrogen and carbon levels in your soil. You want to start with a good foundation to your spring gardening season, and these tips will help. If you have very bad soil, I highly advise that you start with a square foot garden. You can either build a wood box or buy plastic ones from gardeners, which is what I did. You can then add fresh top soil from the store and add mulched and composted leaves. This is the best way to start.Gardening Tip #2: Ensure Good Drainage.When you have the square foot garden set up, you must ensure that the drainage is good, otherwise your plants will not survive and your gardening career will be miserable. Be positive that you provide just as much water as the plant needs, and you will know this amount through your gardening experience.Gardening Tip #3: Provide Lots of Sunlight.All plant life is totally dependent on the sun. without enough sunlight, the garden will never be strong and probably never sprout. This is absolutely crucial. However, you must ensure that the plants that are in the sun are able to withstand it. All this information is on the back of every seed packet. The square foot garden location should be carefully located according to drainage and sunlight location.Gardening Tip #4: Make Variety.For a successful garden, add a lot of variety to your garden. This will help with pests and the soil quality. If you vary the different plants, the insects will tend to not come back due to the uninsurability of what will be in the garden. Also, it is generally known that all farmers rotate their crops for better soil. All gardeners should do just the same!Gardening Tip #5: Plant at the Proper Time.This may seem obvious, but it is critical. If you plant the plants too soon, they will be frozen by the frost of early spring and all the work will be for nothing. If too late, they will not be able to gather strength before the sun beats down on them and withers them, or a fall frost eliminates them. Always check the seed packets for this information.Gardening Tip #6: Jump Start Transplants.Make positively sure that you buy good and healthy transplants. It is much wiser to spend more money for quality plants that will return a hundredfold in produce to your work. Make sure as well to give the transplants a lot of water, or they will not survive to thrive. However, the growing season is not as long as many people may think, so you have to get the plants into the ground at the proper time, and they will hit the ground running!Gardening Tip #7: Resist Over-planting.As a beginning gardener, it is best to just start small. As you perfect all the methods of growing and harvesting different kinds of produce, you will then be able to plant more of what you like.Gardening Tip #8: Provide Plenty of Nutrients.After you have planted the seeds and they are thriving, you must make sure that you continue to provide them with nutrients. Depending on the plants you are cultivating, fish emulsion and blood meal are good things to add to the soil. Furthermore, all types of compost such as leaves, kitchen scraps, and other nitrogen rich composts will make your garden flourish. Of course, remember the rule of moderation.Gardening Tip #9: Detect Pests Early.As your plants are getting bigger and better, always check for the signs of pests on the plant. Are the leaves holed and chewed? Is the plant dying because of some disease? if so, as a good gardener, you must take the steps to defend your plants. If you are being attacked by deer and rodents, you can put a net or radio out near the garden to distract and scare the pests, and bloodmeal will deter the deer. As for all diseases, there are organic formulas at the store that can help with them.Gardening Tip #10: Stop Weeds Before They Start.This is imperative. It is critical when gardening the old fashioned way, because I did not take care of them and they took over the garden in no time. Just a little care every day, saves hours and days of hard and unnecessary labor. Also, some natural prevention of corn gluten meal and a natural herbicide of vinegar may really ease your task of clearing the weeds.I hope these gardening tips helped! I will be implementing them in my gardening as well. May these gardening tips ever be part of your gardening arsenal!
S&P 500 Rallies As U.S. Dollar Pulls Back Towards Weekly Lows
Key Insights
The strong pullback in the U.S. dollar provided significant support to stocks.
Treasury yields have pulled back after touching new highs, which served as an additional positive catalyst for S&P 500.
A move above 3730 will push S&P 500 towards the resistance level at 3760.
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Pfizer Rallies After Announcing A Huge Price Hike For Its COVID-19 Vaccines
S&P 500 is currently trying to settle above 3730 as traders’ appetite for risk is growing. The U.S. dollar has recently gained strong downside momentum as the BoJ intervened to stop the rally in USD/JPY. Weaker U.S. dollar is bullish for stocks as it increases profits of multinational companies and makes U.S. equities cheaper for foreign investors.
The leading oil services company Schlumberger is up by 9% after beating analyst estimates on both earnings and revenue. Schlumberger’s peers Baker Hughes and Halliburton have also enjoyed strong support today.
Vaccine makers Pfizer and Moderna gained strong upside momentum after Pfizer announced that it will raise the price of its coronavirus vaccine to $110 – $130 per shot.
Biggest losers today include Verizon and Twitter. Verizon is down by 5% despite beating analyst estimates on both earnings and revenue. Subscriber numbers missed estimates, and traders pushed the stock to multi-year lows.
Twitter stock moved towards the $50 level as the U.S. may conduct a security review of Musk’s purchase of the company.
From a big picture point of view, today’s rebound is broad, and most market segments are moving higher. Treasury yields have started to move lower after testing new highs, providing additional support to S&P 500. It looks that some traders are ready to bet that Fed will be less hawkish than previously expected.
S&P 500 Tests Resistance At 3730
S&P 500 has recently managed to get above the 20 EMA and is trying to settle above the resistance at 3730. RSI is in the moderate territory, and there is plenty of room to gain additional upside momentum in case the right catalysts emerge.
If S&P 500 manages to settle above 3730, it will head towards the next resistance level at 3760. A successful test of this level will push S&P 500 towards the next resistance at October highs at 3805. The 50 EMA is located in the nearby, so S&P 500 will likely face strong resistance above the 3800 level.
On the support side, the previous resistance at 3700 will likely serve as the first support level for S&P 500. In case S&P 500 declines below this level, it will move towards the next support level at 3675. A move below 3675 will push S&P 500 towards the support at 3640.
SPDN: An Inexpensive Way To Profit When The S&P 500 Falls
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.