Web Site Promotion Search Engine Submission Promote your Web

Building up traffic to your site means having your site viewed by a lot of internet surfers. It also signifies an increasing potential that you can convert those visitors into definite customers for the product or service that your website offers. There are ways of boosting traffic to your web site such as acquiring the services of a company that provides web site promotion search engine submission promote your web site or you can purchase software that also gives out the same services.Web site promotion search engine submission promote your web site through employing the services of search engine marketing companies is one approach to augment the visibility of your web site to your target customers. This kind of web promotion requires a budget depending on the rate a certain company presents. Often times they are granting package promos for these services and can give you at least a small amount of savings. However, it is advisable that you must select well from the wide range of search engine marketing firms that are swarming the Net these days.You can do this by doing a background check for the companies you select before hand and asking out experts or your colleagues about the companies that they can suggest for you. You can also consider the price of the service versus the quality that it provides. An S E M firm promotes a web site through optimization and by also submitting it into the top search engines such as GOOGLE and Yahoo. Don,t be deceived by S E M firms that promise that your site can reach the top ten sites in an instant. Remember that it takes time before a site will accomplish that feat. So it is better if you practice patience and first choose well the company that will perform web site promotion search engine submission promote your web for you. On the other hand, choosing soft wares for web site promotion search engine submission promote your web is also a complex process to improve the traffic to your web site. This for the reason that a large quantity of different group of soft wares are in the market nowadays and each are catering to dissimilar services. Aside from that each group of soft wares include a number of different brands that will make your selection harder. The thing is that you must ask a credible search engine marketing expert first for the soft wares that will assist your site into the maximum. Here are some examples of these soft wares Web link S E O, Web CEO and W P G. It will be helpful if you do some research first.Whatever your preference is either you obtain the services of a S E M firm or you will do it on your own web site promotion search engine submission promote your web will be easier if you examine first the needs of your site.

Impact of New Technologies by 2030

According to the 2012 report, Global Trends 2030: Alternative Worlds, published the US National Intelligence Council, four technology arenas will shape global economic, social and military developments by 2030. They are information technologies, automation and manufacturing technologies, resource technologies, and health technologies.Information technologiesThree technological developments with an IT focus have the power to change the way we will live, do business and protect ourselves before 2030.1. Solutions for storage and processing large quantities of data, including “big data”, will provide increased opportunities for governments and commercial organizations to “know” their customers better. The technology is here but customers may object to collection of so much data. In any event, these solutions will likely herald a coming economic boom in North America.2. Social networking technologies help individual users to form online social networks with other users. They are becoming part of the fabric of online existence, as leading services integrate social functions into everything else an individual might do online. Social networks enable useful as well as dangerous communications across diverse user groups and geopolitical boundaries.3. Smart cities are urban environments that leverage information technology-based solutions to maximize citizens’ economic productivity and quality of life while minimizing resources consumption and environmental degradation.Automation and manufacturing technologiesAs manufacturing has gone global in the last two decades, a global ecosystem of manufacturers, suppliers, and logistics companies has formed. New manufacturing and automation technologies have the potential to change work patterns in both the developed and developing worlds.1. Robotics is today in use in a range of civil and military applications. Over 1.2 million industrial robots are already in daily operations round the world and there are increasing applications for non-industrial robots. The US military has thousands of robots in battlefields, home robots vacuum homes and cut lawns, and hospital robots patrol corridors and distribute supplies. Their use will increase in the coming years, and with enhanced cognitive capabilities, robotics could be hugely disruptive to the current global supply chain system and the traditional job allocations along supply chains.2. 3D printing (additive manufacturing) technologies allow a machine to build an object by adding one layer of material at a time. 3D printing is already in use to make models from plastics in sectors such as consumers products and the automobile and aerospace industries. By 2030, 3D printing could replace some conventional mass production, particularly for short production runs or where mass customization has high value.3. Autonomous vehicles are mostly in use today in the military and for specific tasks e.g. in the mining industry. By 2030, autonomous vehicles could transform military operations, conflict resolution, transportation and geo-prospecting, while simultaneously presenting novel security risks that could be difficult to address. At the consumer level, Google has been testing for the past few years a driverless car.Resource technologiesTechnological advances will be required to accommodate increasing demand for resources owing to global population growth and economic advances in today’s underdeveloped countries. Such advances can affect the food, water and energy nexus by improving agricultural productivity through a broad range of technologies including precision farming and genetically modified crops for food and fuel. New resource technologies can also enhance water management through desalination and irrigation efficiency; and increase the availability of energy through enhanced oil and gas extraction and alternative energy sources such as solar and wind power, and bio-fuels. Widespread communication technologies will make the potential effect of these technologies on the environment, climate and health well known to the increasingly educated populations.Health technologiesTwo sets of health technologies are highlighted below.1. Disease management will become more effective, more personalized and less costly through such new enabling technologies as diagnostic and pathogen-detection devices. For example, molecular diagnostic devices will provide rapid means of testing for both genetic and pathogenic diseases during surgeries. Readily available genetic testing will hasten disease diagnosis and help physicians decide on the optimal treatment for each patient. Advances in regenerative medicine almost certainly will parallel these developments in diagnostic and treatment protocols. Replacement organs such as kidneys and livers could be developed by 2030. These new disease management technologies will increase the longevity and quality of life of the world’s ageing populations.2. Human augmentation technologies, ranging from implants and prosthetic and powered exoskeleton to brains enhancements, could allow civilian and military people to work more effectively, and in environments that were previously inaccessible. Elderly people may benefit from powered exoskeletons that assist wearers with simple walking and lifting activities, improving the health and quality of life for aging populations. Progress in human augmentation technologies will likely face moral and ethical challenges.ConclusionThe US National Intelligence Council report asserts that “a shift in the technological center of gravity from West to East, which has already begun, almost certainly will continue as the flows of companies, ideas, entrepreneurs, and capital from the developed world to the developing markets increase”. I am not convinced that this shift will “almost certainly” happen. While the East, in particular Asia, will likely see the majority of technological applications, the current innovations are taking place mainly in the West. And I don’t think it is a sure bet that the center of gravity for technological innovation will shift to the East.

Site Promotion and Web Marketing

After all the preparation, your site is up and ready to do business. You now need to promote your site to generate traffic and sell your goods or offer services online. What are the techniques that you can do to accomplish that? And how long will it take to see results? The answer depends on the marketing strategies that you’re willing to take.Traditional business or not, more and more companies are tapping the power of the internet to market their products or promote services. There are many reasons for this. Foremost is the lower cost. Using web tools can reach millions of people around the world faster, unlike in traditional business where one print ad can already cost a lot. Online marketing can also target specific audience so you wouldn’t wonder if you reached the right people.Site promotion is just a small part of web marketing or online marketing. Making your site visible takes time if it is relatively new. But you can submit press releases and link your site to it. You may also utilize social networking sites to expand your network. Submission of your link to directories can also help in site visibility.Blogging is also a good way of promoting any site. Blog sites are easily accessed, create traffic and point to your site, you also create additional visitors.Email marketing is also a good one-to-one approach to promote your site. Although it’s not a face-to-face interaction, receiving email is a personal thing. Emails may be sent in batches and is not at all a tedious process.

In Car Entertainment Systems and Car Audio

In Car Entertainment Systems or ICE systems refer to all modern multimedia devices in vehicles that function as entertainment, recreational and utility systems. These include all audio/video and navigational devices.Although Car Audio systems fall under this category, it will be fair to say that they also have their own separate existence.The concept of In Car Entertainment has been around ever since the first vehicles hit the road and it has been evolving ever since. Modern ICEs comprise of highly advanced technologies and host a number of hi-tech features to make our drive a pleasurable experience.The modern day In Car Entertainment Systems are parented by the simple Car Audio system. A Cassette Player cum Car Radio was the first member of this family. The practice of listening to one’s favorite music while driving gained quick acceptance as people realized that it can turn journeys into exciting memories. Any form of entertainment kills the boredom associated with long road journeys and the first and still the foremost type of entertainment in vehicles is listening to music.A Car Audio system qualifies as the basic and most commonly used In Car Entertainment system. Modern Car Audio systems however do much more than just play music. They can also play music stored on various devices in various formats and pair with various other devices as well.With advanced features like Wi-fi, Bluetooth, USB, Ipod connectivity, Steering Wheel Audio Control, Phone Connectivity, Remote Device Connectivity, TV etc., the modern Car Audio system has itself evolved into a complete entertainment system.Audio systems in cars play music from CDs, DVDs, Cassettes and Portable Storage Devices. With advanced connectivity features, you can pair any other device like Ipod, Mobile Phone etc. with your Car Audio System and enjoy combined features like using car speakers as a handsfree device for the phone.High-end audio systems also feature LCD and TFT screens while certain audio systems support GPS (Global Positioning Satellite) and SatNav (Satellite Navigation) making them an essential car accessory. Such features comprise essential navigational equipment that aids the driver in effectively managing routes.A decent quality head unit combined with speakers, amplifiers and subwoofers can constitute a useful Car Audio System capable of producing good music inside the car-cabin. This however is not enough for today’s vehicle.A recent addition to the In Car Entertainment System has been video game consoles and large retractable display screens inside the cabin. A concept popularized by some TV shows about car customization, it has caught the frenzy of this nation. Usually game consoles and screens are installed in the rear of the vehicle so that it does not pose as a distraction to the driver.Satellite TV in vehicles is another feature that is quickly gaining popularity. There certainly are people who prefer to take the back seat and catch their favorite TV programs while on the move. This is an addition to the already existing CD / DVD players in vehicles.Since all these features require extra electrical energy to run, most vehicles come equipped with capacitors and extra energy storage devices that are utilized only to power the ICE systems. If your car sports a lot of gadgetry and features any entertainment systems but no extra power storage device, you should think about investing in one or end up with a dead battery.Apart from that, excess equipment in your vehicle would result in excess weight as well. This will result in low fuel economy or gas mileage. You should consider this before going for heavy-duty speakers and amplifiers.You might also want to consider the fact that all entertainment devices especially visual ones can be a distraction while driving. Unless you are comfortable with the idea of being surrounded by multimedia devices as you drive, you should not invest in one.ICE systems are definitely the buzzword in the automobile world today and future enhancements to this concept will definitely bring more features and functionalities making our vehicles more exciting and entertaining.James Rodham

Small Business Financial Software

Starting a new business takes a lot of effort. Part of that ongoing effort will be tracking the income and expenses generated by the small business. There are many small business financial software products capable of meeting your needs. Deciding on the best solution for your small business is the goal of this article.It is important to determine the financial accounting needs of your small business when looking for software. Depending upon the type of business that you operate, the following functionality needs to be considered:
Track Customers and Sales
Invoice Customers
Manage Inventory
Process Credit Cards
Create Budgets
Perform Payroll Functions
Business Tax Reporting
Paying Bills
Most of your time will be spent entering data into your business accounting software solution. An important consideration is the bank that you do business with. Most provide data feeds, verify that their format can be uploaded into your financial accounting software. This can save you hours of effort.With hard work and determination, your business will grow over time. Pick an accounting software solution that will grow with the business and meet your needs in the future. This can be accomplished by selecting a product with an upgrade path with more options or a product that you can add modules to later.Their are accounting solutions that are available online using a web browser or by installing and using on a computer. If you will be out of the office for long periods of time, an online solution may be a better choice.Depending upon the structure of your business, taxes can take lot of time on an ongoing basis. Does the software help generate tax forms that need to be filed on a monthly or quarterly basis. At the end of year tax time, can you create an extract that can be pulled into your tax software. Or if you use an accountant, does the software allow you to create an accountant copy for the accountant? Tax time is stressful enough, these features can be a great time saver.As your business grows, it may be necessary to allow additional users to enter information or perform other tasks to bill clients etc. Does the software allow you to restrict the access for users? Some users may need access to all functions while others will only need limited functionality.Talk to people in a similar business to find out what small business financial software they use to track their business. Ask them about the features that save time, what needs improvement and if any are missing. Most likely you will not find a software solution that is perfect, but you will be able determine the software that best meets your small business needs.Some final considerations to make:
Will you need support? Check into the support options of the accounting software and estimate any additional costs that may be incurred.
Do not pay for features that will not be needed.

Free trials are the best way to check out the financial software. Trials are short and usually limited to 30 or 60 days, go through the list above to determine your needs and come up with a plan to test the functionality to decide on the best small business financial software that meets your needs.

$10,000 Unsecured Personal Loans: Accessing Large Loans Without Collateral

The effect of the economic crises over the past few years is by no means dissipating. The public is still reeling from the blow they have had on their credit reputations, and lenders remain as cautious as ever. So, when a bad credit applicant applies for a $10,000 unsecured personal loan, the chances of approval are surely slim.But that is not to say that getting such a large loan without the benefit of any form of security is completely impossible. There are always ways around such difficulties, though it may require making some compromises. Loan approval without collateral is going to cost more.There is always a preference for secured loans, where the lender has some item of value from which to take compensation should the borrower default on the agreement. But unsecured personal loans are on offer to those who meet the set criteria and satisfy the conditions of affordability.Loan Options To Consider CarefullyThe whole idea behind offering unsecured loans is that those who do not have possessions of great value, or even are unwilling to risk something they have of value, can access funds. Normally, such loans are small, between $500 and $5,000, but it is possible to get a $10,000 unsecured personal loan, given the right circumstance.The issue is uncomplicated when the applicant has a good credit history, but there is great scrutiny of applications from bad credit applicants. This is understandable, but it means that choosing the right loan product is important too. For example, since approval without collateral is easier for smaller loan sums, be sure that the amount applied for is realistic. If $7,000 is needed, do not apply for $10,000.Also, consider splitting the unsecured personal loan into two successive loans of $5,000, for example. It may also be worth considering taking out a series of small payday loans, and repaying over a short period – especially when dealing with a financial emergency.Helping FactorsThe chief problem with an unsecured loan is that if the borrower fails to meet their obligation, it is the lender who loses out. This means that convincing the lender their investment is safe is at the core of securing a $10,000 unsecured personal loan.To help in establishing the assurance needed, it may be a good idea to include a consigner in the agreement. The cosigner promises to make the repayments in place of the borrower should the situation dictate. This means payments are guaranteed, and so the risk is less. As a result, granting approval without collateral is less of an issue.Alternatively, seek an unsecured personal loan with a longer repayment term – perhaps 7 years instead of 5, for example. This lowers the size of the monthly repayments, which in turn greatly reduces the likelihood of default.Where To LookWhen it comes to securing a loan deal that is affordable, there are some terms that should be sought. As can be expected, repayments on a $10,000 unsecured personal loan should be low enough to ensure affordability, but interest rates need to be kept low too.By applying to an online lender, the terms of the loan deal should be the most affordable possible. This is because the interest rates charged are typically lower than any traditional lender would charge. Securing approval without collateral is also more probable because they are expert bad credit lenders.However, remember to check the reputation of any likely lenders before agreeing an unsecured personal loan contract. Check the BBB website to find out if they are trustworthy.

How Can A Personal Loan Improve Your Credit Score?

When it comes to a personal loan, you have to first learn to use it responsibly. Because if you miss a repayment, your credit score will be impacted adversely. And remember, that a credit score is an indicator of how well you manage your personal finances. Also, it plays a defining role when you apply for any kind of loan – secured and unsecured. It is suggested to apply for a loan slightly larger than what is needed so that you will be assured to have enough money to pay all bills necessary and still have some money left over to ensure that your bank account stays current.A credit score can be defined as a number which reflects the financial situation of a person. If the person is well-off when it comes to financial matters, then he or she is said to have a high credit score. On the other hand, if a person is the exact opposite of this, then they possess a low credit score. There are a lot of factors that are considered by financial institutions for the purpose of evaluating a person’s credit score – usually, the credit scores of people vary from 300 to about 850.A personal loan is a type of loan that is given by digital lenders, banks and credit unions to aid you in your plans, be it starting a small business, or making a big purchase. Personal loans tend to have an interest rate(s) lower than the credit cards; however, they can also be put to use for combining several credit card debts together into one monthly lower-cost payment.Now, your credit score is built by keeping in mind various parameters from your credit reports. These reports serve the purpose of trailing your history of utilization of the credit across the duration of seven years. These credit reports are comprised of information, including how much credit you have utilized to date, the type of credit in your possession, the age of one’s credit accounts, whether one has put in for bankruptcy or liens filed against them, actions of debt collections taken against them, one’s total open lines of credit as well as recent inquiries for hard credit.Like any other type of credit, personal loans are very capable of affecting your credit score. This can be done through the process of applying and withdrawing a personal loan. If you are curious as to how personal loans can end up affecting your credit, then read on to find out more about the context. There are many ways in which your credit can be affected by personal loans and some of them are listed below:
The ratio of your debt-to-income and loan

Debt-to-income ratio is considered to be the measure of your amount of income that you spend on the debt repayments. In the case of lenders, the amount of income that you receive is said to be one of the major factors proving that you are able to repay your loan.Some of the lenders have come up with their own debt-to-income ratio so that their proprietary credit scores may make use of it in the form of a credit consideration. Do not fall into the kind of mindset that possessing a high amount of a loan would hurt your credit. The most damage it can do is raise the ratio of your debt-to-income so that you won’t be able to apply for loans anymore without it getting rejected or denied.
Paying loans on time will make credit scores soar

The moment your loan is approved, you have to make sure that you settle the payments of each month on time and in full. Delay in repayment may significantly impact the state of your credit score. However, on the other hand, if you make the payments on time every month, then your credit score will soar high, leading to an overall good score. This will not only make your name to the preferred borrower’s list, but it will prove to be beneficial for you in the long run.Since your payment history is comprised of almost 35% of your credit score, paying loans on time is essential in cases like these so that your credit score can maintain a positive status.
Variety is built into your credit type

There are about five factors that are responsible for determining your credit score. These are composed of the payment history, the length of the credit history, the utilization ratio of the credit, the credit mix and new inquiries of the credit in accordance with FICO®.The credit mix only accounts for about 35% of your total credit score, whereas when it comes to a personal loan you can have a varying mix of the credit types. This mix of all types of credit is viewed at a high level of approval by the creditors and lenders.
Origination fee charged by loans

Most of the lenders end up charging you an origination fee. This fee cannot be avoided at any cost and is instantly taken off from the amount of the loan payment. The amount of origination fees depends upon the amount of the loan you are about to borrow. Late payments can lead to an overdraft of fees and late expenses. Therefore, make sure that you pay complete repayment for each month before the deadline.
Avoiding penalties when it comes to payments

Some of the credit lenders tend to charge an additional fee if you end up paying your part of the loan earlier than the agreed date. This is because they are looking for moderate amounts of interest on your loan. Now, seeing that you have paid off your part of the loan before time, they will miss out on that interest that they could have possibly made if you had not cleared the debt soon enough before the deadline.

Tips For First Time Car Buyers to Get Online Auto Loans

What Are First Time Buyer Auto Loan Programs?Whether you are buying your first new or used car or are planning to apply for online auto loans for the first time, understanding how automobile dealerships and lenders see you, and what you can do to improve that image, can help you to be prepared in advance of applying for online auto loans for the first time, so that you will be in a better position to get approved for an car loan with a lower interest rate and better terms. After all, you want your monthly auto loan payment to be the lowest it can possibly be, right?Who might apply for first time buyer car loans? Some people that first time auto loan programs can help could be:* Teenagers, personally buying their first car in their own name will need to apply for first time buyer auto loans as they have no credit history behind them* College students living away from home for the first time frequently have not had time to build a credit history before leaving for school and so will often need to apply for first time buyer car loan programs* People that have always paid cash for a vehicles in the past, but now want to upgrade to a newer one or are forced to take out automobile loan because they do not have the cash funds to buy a vehicle at present* Immigrants that have moved here from other countries, and thus have left their credit histories behind, may need to apply for first time auto loan programs in order to start building a credit historyNot All First Time Auto Loan Borrowers are in the Same BoatThe first thing to realize is that not all first time borrowers are in the same boat. There can be a lot of differing factors that can either work in your favor, or against you when you are applying for online auto financing. For instance:* Are you employed full or part time? If you are not employed, do you have an income? Not being employed is not necessarily a game stopper, but if you plan to have your name on the title of the car and on the auto finance, you will need to demonstrate that you have either a job, regular income, or other funds that you will be paying your monthly auto loan payment from. Of course, the higher that your income is, the easier it will be to qualify for lower interest rate first time buyer auto loan programs.* Do you have no credit history, because you are just starting out your financial life, or do you have a bad credit history/low credit score because you have had a few credit slip-ups in the past? Dealerships will certainly work with you in either case. However, if you have a low credit score, depending on how bad your credit history is, the dealership may be inclined to offer you a higher rate of interest and a lower credit limit on first time buyer auto loans as opposed to someone that has not made any credit mistakes in their financial life yet.Note, see our recent article entitled “How to Get Approved for an Auto Loan with Bad Credit if you have Low Income” to learn how to get unwanted items removed from your credit report to bring up your credit score.* Will you have any funds available to make a down payment on your auto loan? Whether you are applying for first time buyer auto loans, or if you have had auto loans in the past and just need another one now, what every auto dealership or lender is going to take into consideration when assessing your application and the items on this list is; how much of a risk are they taking in making an auto loan to you and what if anything can they get you to do to mitigate that risk. Making a down payment is one thing that you can do to mitigate the dealership’s risk, making them more likely to quickly approve your automobile loan and to give you a more reasonable interest rate. In addition, a down payment will obviously bring down what you owe on the vehicle and so your monthly payments will be lower and more affordable. Down payments are usually not required to get online auto loans, but they can be very helpful when negotiating with a dealership. Even a small down payment can make a difference in how the dealership sees you.* Is there someone that you know that would be willing to cosign for you on your auto loan? Cosigners are not required in order to get online auto loans, even if you have bad credit or no credit history at all. However, the use of a cosigner can save you a lot of money and make the application process go much more quickly and smoothly. A cosigner is someone that puts their name on your loan application along with yours, guaranteeing that the loan will be repaid. The limit and maximum amount of your automotive loan will be determined by the cosigner’s income and credit standing, not yours. So, if you choose to have a cosigner, make sure to pick one that has a high credit score. With a cosigner, there is really no need to look for first time buyer auto loans because you will be treated by the dealership as though the higher credit score and income were yours.* What is the ratio of your monthly housing payment as compared to your income? A little known fact is that auto dealerships and lenders pay attention to this number. For instance, if you make $1,000 per month income, and your monthly housing cost is $300, then your housing cost takes 30% of your income. Anything over 40% will send up a red flag to the dealership/lender and they may need convincing that you can make your monthly payments on time. Take this into consideration when you complete your auto finance application.Taking the above items into consideration, you should be able to get a clearer picture of how automotive dealerships and automotive loan lenders see you, and what you can do to control that image, at least to some extent. Once you have submitted your application, the die has been cast and you will see what the dealership offers you at that point.

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.