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Federal Student Loans are easier to pay and brings less long term hassle and panic if these debts are converted into Federal Student Loan Consolidation. Consolidating your loan means that all the different types of student loans you acquired will be combined in one loan. Doing so has many advantages. Since federal student loan interest rates are currently at their lowest, loan consolidation actually means that the interest rate used for the whole duration of your loan is fixed.However, there are also disadvantages when one avails student loan consolidations. It all depends on you, really. If you think it would take you a longer time to pay off your student loan, you will then consequently pay more interest during the course of your whole loan repayment. However, since in consolidating your loans, there are really no penalties in prepayment and if you continually pay the same amount of payments before actually consolidating your loans, the interest you will incur would not increase. You will be able to pay the student loan off faster than when you did not consolidate your loans.One category you could take into consideration regarding federal student loans is availing of the FFEL consolidation loan. This loan program helps any borrower via multiple repayment schedules. Through the FFEL loan consolidation program, only one payment is made each month. In the FFEL program, the student loan consolidation you will be acquiring will be made by a commercial lender, after which credit bureaus will tell you that you already have a zero balance in your account, after doing so you will then sign a fresh promissory note indicating that you will have a new interest rate and schedule of repayment. But, in order to avail of the FFEL student loan consolidation, you must currently be in repayment on the loan you defaulted or that you have been able to make at least three voluntary and on time monthly payments in full.Again, refinancing student loans depends on the borrower. The United States Department of Education does not in any way allow any borrower to refinance a student loan consolidation. But if in case a borrower has an additional federal loan that is not originally included in the loan consolidation, these debts may then be added and calculated again into a another Federal Consolidation Loan. Another advantage when one avails of student loan consolidation is that there are no fees or charges incurred. The United States Department of Education does not in any way make charges or collects any fees to any borrower who avails of the student loan consolidation.So now that the details and advantages have been outlined, the following is a basic list of some student loans that are eligible to be consolidated: PERK – Federal Perkins Loans, formerly Nations Defense/National Direct Student Loans (NDSL), PLUS – Federal PLUS (Parent) Loans, SCON – Subsidized Federal Consolidation Loans, UCON- Unsubsidized Federal Consolidation Loans, SLS – Federal Supplemental Loans for Students (formerly Auxiliary Loans to Assist Students (ALAS) and Student PLUS Loans), SS – Subsidized Federal Stafford Loans & Guaranteed Student Loans (GSL), DSS – Direct Subsidized Stafford Loans, DUS – Direct Unsubsidized Stafford Loans, DPLUS – Direct PLUS Loans, DUCON – Direct Unsubsidized Consolidation Loan, including Direct PLUS Consolidation Loans.Student loan consolidation has another advantage. A borrower is still entitled to avail of the same Federal benefits. This is because student loan consolidation is a federal program. And being it a federal program, a borrower is more than welcome and is entitled to various benefits such as deferment, interest that is tax deductible and forbearance. Plus, the student loan is guaranteed by the government and is insured federally.

In order to find the best digital marketing agency, first, we need to understand “what is digital marketing”, “will digital marketing benefit your business” and answer the question “how do I get more leads for my business?” – which should be the purpose of any marketing.What is a Digital Marketing Agency?
The dictionary definition of Digital marketing is the marketing of products or services using digital technologies, mainly on the internet, but also including mobile phones, display advertising, and any other digital medium. So simple to summarise in one sentence, yet it can be a complicated process to get right and to ensure that all of your digital marketing is working together, not as silo activities. This is where the expertise and experience of the best digital marketing agencies can be hugely beneficial.Traditional advertising, newspapers and paper directories, such as Yellow Pages, are increasingly less effective for businesses. Whilst a few years ago people would go to a computer to search for a product or service, nowadays people are connected to the internet all day, every day and “live online”. Looking for information, a product or service is as quick and simple as searching on a laptop or computer at work or picking up their mobile telephone or tablet. Digital marketing focuses on getting your information, products and services in front of people when they are looking online. The best digital agencies understand the buying process of your products and services and ensure that your information is prominent to the potential customer at the appropriate time. In the digital marketing world, the various stages of the buying process i.e. research, consideration and purchase are called “micro-moments” and the very best digital marketing agency will present the relevant information, service or product at the targeted time in the buying process.Whilst some digital marketing agencies will also create and manage traditional advertising or business marketing, such as newspaper advertising, specialist digital marketing agencies will concentrate on online marketing as opposed to “marketing companies” who commonly concentrate on TV, radio and print marketing.Regardless if your business is business-to-business (B2B) or business-to-consumer (B2C), digital marketing can be a fast, often instant, and reliable way of getting leads into your business and driving up revenue. The very best digital marketing agencies will manage all of the digital advertising based on return on investment (ROI) ensuring the leads generated are at a cost that makes business sense and increases profit levels. Digital marketing will benefit your business and answers the question “how do I get more leads for my business”?Digital marketing, sometimes referred to as website marketing, can be broken down into a number of important features and services:SEO Services
Search engine optimisation, most commonly abbreviated to “SEO”, is the process of getting your website found on search engines like Google when people make a search relevant to your business, services or products.Regardless if your website is e-Commerce or selling services it will drive leads and sales into your business if it is found for the search terms people use (often referred to as “keywords”) to look for them in Google.SEO requires experience and understanding of how Google reads your website. What messages and information you want Google to read for a webpage or website and knowing where to place that information so search engines can find it. A good SEO company will have a proven track record of ranking websites high in the search results.SEO works best when the proven methods of obtaining rankings are applied in conjunction with latest trends that are driving traffic. An example of this is the “near me” phenomenon, which has seen a 150% growth in the last 12 months, where mobile phone users are adding “near me” to their search query i.e. “SEO Company near me”. These customers are looking to buy and buy from a local service or product supplier.Although SEO can be a stand-alone service, it is most effective when combined with PPC, social media and reputation marketing. SEO is also the cornerstone of effective PPC, social media and reputation management campaigns.Pay Per Click
Pay Per Click (PPC) often referred to as “Google Advertising” or “online advertising” is where you position adverts at the top of the search results for specific search terms. These search terms can be the words people use when in the “research” phase of making a purchase or targeted at the “buying keywords” when potential customers are looking to buy.Although your advert, depending on your budget, can be shown every time a search is made, you only pay when an internet user clicks on your advert and is taken to your website or calls you direct from the search results page meaning you only pay when you get a click from a potential customer hence the name for this form of marketing of Pay Per Click (often abbreviated to PPC).How much you pay for each click is determined by a few factors. The “cost per click” (abbreviated to CPC) is determined by the quality and relevancy of the advert to the search term being used and the relevancy of the page on your website that the potential customer land on. These factors contribute to your overall “quality score”. The higher your quality score, the less you pay per click and less you pay per lead into your business.In the UK, Google has the vast majority of search traffic and most of your budget should be placed their, however, you will not want to miss the smaller, yet still considerable potential for customers from search engines like Microsoft’s Bing platform, and a small part of the budget should be allocated to other search engines. Also, the very best PPC management companies will also discuss spreading your PPC budget over a number of campaigns aimed at different parts of the customer journey. A small part of the budget should be allocated to the research stage of the buying process when people are using broad search terms to find information, a small part of the budget when people are searching for yours, your competitors or market leaders company name. The majority of the budget when potential customers are using search terms directly related to making a purchase and lastly, a small part of the budget to re-market (show your advertising to people who have shown an interest in your services or products by visiting your website) to capture and drive up conversions from the customers previously advertised too.The best PPC Agency will be a Google Premier Partner. A Google Premier Partner status indicates that the company has a proven track record in delivering high-quality campaigns, which generate good competitive/low CPC’s and deliver high and positive ROI’s. The very best PPC agency will have a robust PPC management process in place to quickly react and capitalise on changes in the PPC campaigns of your competitors.Unlike SEO, that can take some time to be fully effective, Pay Per Click is instant in the fact that as soon as your campaigns are live they can be generating leads for your business.PPC is highly effective when carried out in unison with SEO. A well-optimised website will improve the quality score of your Google advertising campaigns resulting in a reduced “cost per click” meaning you get more leads for your budget.Social Media Marketing
Social Media platforms such as Facebook and Twitter are now legitimate places for a business to attract leads. Facebook has over 38 MILLION active and regular users in the UK and the number is anticipated to rise to over 42 MILLION by 2020. Regardless if your business sells to consumers or other businesses, your potential customers are on Facebook and using it often.Facebook is excellent at raising awareness during the customers “research” stage, reminding them of your services or products during the “consideration” stage and putting your specific products in front of potential customers at the “buying” stage. With such a large audience and the flexibility to target customers throughout the buying process, Facebook can be a good avenue to generate leads and sales and to deliver a great return on investment.A good digital marketing agency will have a proven track record in delivering highly effective Facebook advertising campaigns. The very best digital marketing agencies will be able to demonstrate the conversion rate and cost per lead of your social media marketing.Again, social media marketing and specifically Facebook marketing can be carried out as a stand-alone activity however it works so much better when combined with SEO and/or PPC. When a potential customer visits your website their computer is marked as having visited. This then allows you to target the user of that computer, who has shown an interest in your products or services.Reputation Management
When considering making a purchase, a potential customer will scour the internet to find feedback and reviews from previous customers. Your online marketing and sales can live or die by the reviews for your business, services or products. Ensuring that positive reviews are easy to find and that any negative feedback is managed well, can be a huge benefit to your conversion rate.Digital marketing companies call this “reputation management” or “online reputation management” however, in reality, it is creating systems to generate customer reviews and customer feedback ensuing positive customer satisfaction is captured and easy to find for potential customers.Many businesses are concerned with allowing the public the ability to openly provide feedback. You cannot please all of the people all of the time, and companies worry that a bad review will have a negative impact on their business. Firstly, if someone is determined to leave a bad review for your business they will find a platform to do so and there are 1000′s of platforms to choose from. It is better to have control of where customers are encouraged to leave a review. Secondly, a poor or bad review, if managed well, can be a positive for your business. Engaging with a bad review highlights that you care about feedback and subsequently, you care about your customers. One well managed bad review can be as good for your business ten good reviews.A good digital marketing company will use one of the handful of recognised review platform and provide the tools and means of allowing you to capture, manage and respond to customer reviews.

Retail Credit is being withheld causing many retailers to try to find a buyer for their retail sales contracts. Higher interest and larger discounts are not enough for the finance companies to purchase the contracts. Credit is not offered, as before, therefore to survive in business, it is necessary to have your own in house finance company. If you don’t have one, then you should seriously consider starting one.It is a self-supporting protection for your business to succeed. Outside finance organizations have raised their requirements so high for that only a few people can now qualify for credit.Credit Cards have been a source of financing for smaller amounts. That availability may be eliminated with the new laws soon going into effect. The credit card interest and requirements to get a card are higher, and credit limits may be much smaller. Consumers will be looking for retailers with in house financing.Take the fear out of financing.The first step in managing your own financing is to select a software program that will successfully support the monitoring and communication functions of a finance company. Financing is the key to business success.1. Financing is a very profitable business.
2. You can manage your own credit accounts.
3. Double your profit without increasing your sales.
4. Finance is the largest industry in the world.
5. There is almost no cost in generating the business. You have created all the forms and contracts at the time of the sale.
6. You can make the sale and retain Customers Loyalty.
7. Payments will provide daily cash flow. As you add to your portfolio the cash flow will also increase.
8. Interest is charged every day of the year.Businesses are losing their availability of outside financing. There is no better time to start your financing than now.Your finance division or company is the “Life support system” for your businesses. The criteria for purchasing an account has not changed for the companies who do their own financing, therefore they are doing business as usual. Many of these stores have gained volume because they can finance sales that the others lose. Larger down payments will make the contracts strongerA customer who has purchased over the years, and are suddenly turned down for financing a new purchase, can destroy the customer’s confidence and loyalty.Start your finance division now and each month as you add more contracts your daily cash flow will become sufficient to support your business. If you re-invest your finance profit it will grow at a much faster rate. At that time your business will be self sustaining and will not depend on others to dictate your success or failure.Articles have been written on “How to buy a Contract”, setting up a Credit Policy, and How to Collect accounts. Monitoring and communicating with your customer is very important for finance management. Learn how to analyze your accounts for the best return on your investment.Remember that investing in your own finance division is the best insurance that your company will succeed in business.Richard M. Hadad
President
American Software & Computers, Inc.
9613 Menaul NE
Albuquerque NM 87112
1-800-617-8271

http://www.creditstarsoftware.com

Whether it’s the latest album reviews or news about the big budget films that are about to hit the cinemas, the landscape of entertainment news throughout the industry changed irrevocably in the advent of the 21st century. Though the initial foundations for the massive shift were originally put in place from the mid to latter 1990s, the full effects of the shift have only started to hit fully throughout the 2000s. Now, in the teens of a whole new millennium the move is almost complete, bringing news and reviews on demand and online.Throughout the 1900s, entertainment news was largely the domain of print publications. Magazines and newspapers have been featuring the latest and greatest from the industry since before the First World War. However, it was the 50s and 60s that saw them come into their own, probably spurred on by the materialisation of in-home entertainment with the growth of television availability and the rock and roll explosion.Magazines like NME and Melody Maker had phenomenal readership figures in their early years and newspapers like the Sun in the United Kingdom achieved much of their success from covering the more glamorous side of life. However, as the home computer took hold in the latter stages of the 19th century, a new form of entertainment news provider started to materialise. The internet became a phenomenon overnight in the mid to late 90s and as more and more people logged on, more and more people found their news from online sources.Throughout the course of the dot.com boom and bust, websites sprang up at a ferocious pace to deliver the latest entertainment news to the masses. Quickly following these early innovators once the online phenomenon gained a little more stability, the original providers also set up sites to deliver their news and to promote their “for sale” offline productions. However, it didn’t take long for the masses themselves to realise that they could easily become the bastions of all things entertainment. Throughout the 2000s they simply set up their own blog or e-zine and started to log the news, web style. With millions live, everyone is talking about their favourite movies, albums and computer games from their very own site, interlinking to the more influential, bigger news sites, as well as the online, user generated encyclopaedic catacombs of Wikipedia.The area of biggest growth in the online entertainment news world is the growth of video content. People no longer have to go to the cinema to see the latest film trailer or wait for radio shows to listen to the latest album reviews, they can watch them whenever they want, months and even years in advance of a release thanks to the might of the likes of You Tube. With more video content than Saddam Hussein’s eldest son, You Tube is the internet’s largest video content distributor. Entertainment news, reviews and info has always been a big part of online video content, however, the likelihood is that it will grow into something even more significant over the course of the 21st century.The most recent addition to entertainment news delivery is the massive impact of social media. Together, people connected online can change the world, so something as simple as entertainment news was an early win for the social socialites. Whether it’s used to promote other online content like trailers, music releases or celebrity gossip, or literally just kids in their room tweeting about their latest favourite album, social media is one of the first places to hear the most up to date entertainment news.As the 21st century gathers pace, the online provision of entertainment news is creeping ever more firmly onto the toes of the old media concepts. When people want to know what’s happening they no longer wait for the morning paper, let alone next week’s magazine, they just go online and find it themselves.

Are you ready to increase traffic to your websites? Then it is time for you to expand your online marketing. After years of spending thousands of dollars a year marketing my childcare business in telephone book ads, flyers and radio spots, I decided to reduce my advertising cost and market my businesses online.In fact, marketing my businesses online has expanded my network, increased my book sales, landed me writing assignments and increased my business sales. In fact, I am no longer limited to doing business in my state, I am now doing business all over the world.Here are 10 Ways to market your business online:1. Facebook. This is my favorite place to market my childcare businesses, my blogs and my articles. Facebook is the place to connect and share. Moreover, when you gain the credibility of your followers your chances of winning a sale increases. Many of my Mary Kay customers are my Facebook friends. They trust me and they buy from me.2. Twitter. I love to Tweet! In fact, the more that I tweet what my followers love, I notice that my followers keep increasing. The magic to twitter seems to be to tweet often and share good information that your followers want to read. This is also a great way to share a sentence about your product or service (in 140 characters or less) and then a link to your website.3. LinkedIn. Every business professional should be on LinkedIn. Furthermore, if you want to be found, then you must create a LinkedIn account. I have landed many writing assignments on LinkedIn and networked with many like-minded business professionals. Something to think about: Your next big sale could be a simple referral from a business colleague.4. Blogging. Do you have a blog? Don’t know what to blog about? Blog about your product or service. Moreover, blog about what you know. You will gain credibility with your followers; attract consumers to your website and eventually turn them into customers with every blog post.5.YouTube. It’s time to broadcast your business on You Tube. In fact, You Tube is the third most visited site on the internet. Want website traffic? Get your business on YouTube!6. Google: Having a Google profile is a great way to share content, link your social media pages to your Google profile and create web documents to share with your customers.7. Article Marketing. Do you desire to position yourself as an expert in your field? Then it’s time to write about what you know and educate your followers with your articles. This is another great way to gain new followers and connect with other article writers.8. Scribd. This is the world’s largest social media publishing company and it is a wonderful place to upload ebooks, newsletter, business forms and sale documents.9. Slide Share. If you have created power point presentations about your product or service, Slide Share is the place to upload those business presentations and gain new followers.10. Email Marketing. According to a Double Click Survey, 91% of Adult Internet users log online everyday to read their email. So, it’s time to market your business by email!I hope that you have been inspired to Market Your Business on a variety of online platforms. Moreover, if you have ever wanted to do business on an international level, expanding the places that you market your business online is the way to doing business on an International level!

The main features are:
It is a unsecured loan suitable for any purpose Like:- Education
- Marriage
- Medical purpose
- Purchase of Property or Assets
- Repay old loans
- Investments
- Holidays
- Gifts…etc.It is hassle free. No guarantors or security /collateral required. Loans to salaried & self-employed. Special offers for Professionals like Doctors, Chartered accountants, Engineers, Architects, Company secretaries, MBA’s etc. Loans are available from Rs. 50, 000/- to Rs. 20 lakh. Repayment options from 12 to 60 months in easy EMI’s. Loans available against surrogate income of any auto, personal or home loan.Minimum documentation & fast approval. What are the Various types of personal loans available? Personal loans can be broadly divided into income based and non income based. Income based loans are given on the basis of income per month/per year for salaried and self employed respectively. Non income based loans also know as surrogate loans are given based on repayment track records of existing personal loans, car loans, home loans and Credit cards from approved banks. Minimum instalments paid/Months on books required is 9-12 months.WHAT ARE THE ELIGIBILITY CRITERIAS?
The eligibility criteria for salaried and self employed are:SALARIED:
Applicant should be Indian citizens working and residing in Mumbai.
Minimum age required is 21 years and Maximum 58/60 years.
Minimum Work Experience-1 month in current company and 3 years overall.
Minimum Net Take Home – Rs. 20, 000/- per month.
Residence-either Owned, rented or company provided.
Telephone/mobile mandatory at residence.
Currently most of the banks are providing unsecured personal loans only to employees of Private Ltd , Limited and multinational companies.SELF EMPLOYED:
Applicant should be Indian Citizens Working and residing in Mumbai.
Minimum age required is 23/25 years and Maximum 65 years.
Minimum 3 years experience in same business.
Minimum income Rs. 2. 50 lakh per anum.
Residence/Office -either Owned, rented or company provided. Either residence or office should be self owned.
Telephone/mobile mandatory at residence and office.
Partnership firms , Private Ltd. companies and deemed Limited companies are eligible.HOW IS ELIGIBILITY CALCULATED? Different banks have different ways of calculating the eligibility. In the case of Salaried generally most of the banks would calculate eligibility to be 1/1. 5 times of annual income. Factors such as existing loan liabilities , average bank balance, track record on existing loans , company profile & loan tenure also plays a part in deciding eligibility.
In the case of Self Employed’s the eligibility would depend on the turnover, existing track record, net profit, cash credit /overdraft limit enjoyed, line of business, cash flow, bank statement, existing loan liability amongst other things. Generally the loan amount is limited at 1. 25 to 4 times of cash profit generated less existing liabilities or a certain percentage of turnover less existing liabilities.WHAT IS THE LOAN TENURE?Loan tenure is the period within which the applicant wants to repay the loan. Loans can be repaid from 1 year to 5 years. The rule of the thumb being longer the tenure higher would be the loan eligibility and vice versa. The age of the applicant along with period of service left also influences the loan tenure.WHAT ARE SERVICE CHARGES?Service charges, loan processing charges , bank charges are various ways of describing the fees which the bank charges for processing and disbursing loans. It is deducted directly from the loan amount and is generally restricted to 2% to 3 % of the loan amount. It is a one time fee.WHAT ARE THE DOCUMENTS REQUIRED?SALARIED:- Photograph.
- Pan card copy.
- Current residence proof.
- Salary slips for 3 months.
- Bank statement for 6 months.
- Appointment letter and proof of work experience.
- Sanction letters of existing/closed loans.SELF EMPLOYED:- Photograph.
- Pan card copy.
- Residence and office address proof(Either residence or
- Office should be self owned).
- IT Returns – CA certified copies for 2 years complete set.
- Business continuity/existence proof 3 years old.
- Business banking 6 months.
- All existing loan sanction letters.
- Qualification proof for professionals.WHAT IS THE LOAN PROCESS?One can apply for a personal loan any time in anticipation of a quick, hassle free and unsecured finance for any purpose. The verification process at residence and office is physically done within 2/3 days on submission of all documents required. There is a simultaneous credit check done to find out the credit history of the applicant in the bank applied as also other banks. If all the checks are positive the credit officer normally has either a telephonic or physical discussion with the applicant at his office/place of work.Subject to the discussion being positive the applicant has to sign an agreement and also hand over PDC’c(Post Dated Checks) or authorization for ECS(Electronic Clearing System). The applicant generally gets either a direct credit in his/her account or receives a Draft within 2/3 working days after executing the agreement. The entire Process may take 5/7 working days.WHO CAN APPLY?Salaried individuals and Self employed individuals, Partnership firms, Pvt. Ltd. and Deemed Ltd. companies can apply.What are the Income Criterias for Salaried?
A Salaried Individual needs to have Minimum NTH(Net Take Home Salary) Of Rs. 20000/- pm.What are the income criteria for self employed?
Minimum Income of Rs. 2. 5 to Rs. 3 lakh per annum is the accepted norm.What is the minimum and maximum loan amount?
The minimum loan amount for salaried is Rs. 50, 000/- and maximum Rs. 15 lakhs. For Self employed the minimum loan is Rs. 1 lakh and maximum 20 lakh.WHAT ARE THE AGE CRITERIAS?
For salaried the minimum age is 21 years and maximum 60 years.
For Self employed’s the Minimum age required is 25 years and maximum 65 years.Is a no income Proof loan available?
Yes, salaried individuals and self employed’s can apply on the basis of existing personal loan, auto loan & home loan tracks on which minimum 9/12 EMI’s have been paid.WHAT IS THE LOAN TENURE?
The minimum loan tenure is 1 year and maximum 5 years.Is securities or guarantors required for a personal loan?
No security, hypothecation, guarantors or mortgages is required in a personal Loan.Can a person staying on rent apply?
Yes, applicants staying either on owned, rented or company provided accommodation can apply. Permanent residence address proof may be required in case of rented/leased, company provided accommodation.WHAT ARE THE INTEREST CHARGES?
Interest charges depends on various factors like the Loan Amount, Company profile, qualification & Income etc. It could vary from 16 % to 26% on a monthly reducing basis.CAN THE LOAN BE PREPAID?
Yes, the loan can be prepaid after paying 6 installment.ARE THERE PREPAYMENT CHARGES?
Generally all banks charge 4% to 5% of the principle outstanding as prepayment charges.

Yes there are bad credit auto loans online for people with a poor credit history and low FICO scores who need transportation, and need a fresh start in repairing their credit. Although it may seem hopeless if you have blemishes on your credit there is a solution. First you will want to get rate quotes from various sources. This is very important, you should shop around to find the best deal. However, keep in mind that there are different factors at play with each lender, as to whether or not you get a loan and if so at what interest rate.You can get approved for a auto loan. But lets be clear, obviously you are not going to get the preferred interest rate on a car loan that a person with A+ credit will receive. However with a little research, especially online, you can find the best auto rate quote that meets your circumstances.Most people just dive head first into the auto financing process when buying a car, giving no thought to how the auto loan interest rate affects the overall cost of the vehicle or monthly payment. With no plan of action or alternative financing source, this results in them receiving high interest rates and high processing fees which lead to high monthly payments.It is vital that you make a plan, especially if you carry a bad credit history. As you know, it can be difficult to finance a car with poor credit. Lack of proper planning only complicates the process. So before you go to a dealer get a copy of your credit report and FICO score so that you know whats on it, and that there are no errors. There are, however, auto loan companies and banks that are actually competing for your business and that offer bad credit car loans. Planning is essential.A history of bad credit leaves many individuals feeling hopeless in their ability to get reasonable auto loan quotes. Sometimes they fill out a loan application at one dealer and then are shown one or two vehicles that the dealer says they qualify for, with out even knowing the value of the car or the loan rate. You want to go to the dealer with a pre-approved auto loan quote and pick out what you really want. You have options available to you. Several auto lenders specialize in helping people start over regardless of their past credit history.However, you should compare three or more auto loan quotes in order to get the lowest auto loan rate and monthly payments. This can be done easily, you will find well known banks and reputable lenders that want your business have bad credit auto loan applications online that are simple and quick to fill out. You can complete one in minutes and get a response, if not in minutes in a few hours. Best of all there are no fees, most are free, and you are under no obligation to take a loan quote. But once you secure an car loan you like, you can then go to the dealer and purchase a car as if you have cash. This allows you negotiate the lowest price on the vehicle you want at the best possible rate.To really save you will need to get quotes from various lenders, whether or not they are online, credit unions are another good source. You should compare a minimum of three auto loan quotes. Of course, online quotes are easier to get since you do not have to leave your home or office to find them. Once you receive approvals, you will know what your options are, repayment options and monthly payments costs. The internet has made it ideal for you to find not one but many lenders that offer bad credit auto loans online. Pick the lowest and save.

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.