It Never Fails – Taking Care of Emergencies with a Payday Loan

Upon getting information about an upcoming school science fair and the need to consider a topic of interest, many students will typically have no idea where to get started. While the science fair is typically a common occurrence in any school at any grade level, there are different types of topics that should be taken a look at depending on the age of the student. After first taking a look at the many different categories of science projects, you will be able to locate a suitable choice of topic to take to the next level.There is a wide variety of categories that fall under the types of science projects that can be chosen for a school science fair. These include biology, chemistry, physics, microbiology, biochemistry, medicine, environmental, mathematics, engineering, and earth science. While you may not have yet learned very much in any of these categories, don’t be afraid to see what each one entails. Taking a good look at your interests will allow you to focus on the right direction to take.Many resources are also available for those who are unsure as to the topic they are wanting to use to create their science projects. If you take a look at the topics that fall under the biology category, you will likely notice that there are topics that deal with plants, animals, and humans. For those who are in 2nd grade or 3rd grade, an interesting topic may be to determine if ants are picky over what type of food they eat. While this topic might not be of interest to an 8th grader, it is certainly something in the biology category that an elementary school student would enjoy.Along with the biology category, a high school student may want to take a look at diffusion and osmosis in animal cells as this would be a more appropriate topic for the grade level. A student in 6th grade would be more advanced than an elementary school student, but not as advanced as a high school student. At this middle school grade level, a topic of how pH levels effect the lifespan of a tadpole may be of interest.Whichever resource is used to locate a topic for science projects, it is always a good idea to consider the grade level of the student prior to making a selection. It is always assumed to be best to have a project at an appropriate level in order to keep the attention of the student and provide a fun and enjoyable learning experience.

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.

How to Find an Honest SEO International Internet Marketing Company

One of the greatest challenges facing any international business today is being found on the Internet. The Internet has changed the fundamental means for how we conduct international business. It provides instant, real time answers to many of our daily commercial and personal questions. But now that you have a Website, can your site be found when one performs a search on Google, Yahoo, Live.com or AOL for your company’s product or service?Chances are that when another domestic or international business seeks to find your products or services, they will not find you. Most Webmasters deal only with design and layout. They are graphic artists who have learned a little bit of HTML. They copy and paste written copy into a table and upload. They are not expected to be professionals in the art of international Internet marketing nor should they be.The Internet is a big place. An expanding and creative digital universe which demands a variety of professionals in hardware, software, graphics, copy writing, international marketing, domain retailers, operations, finance, journalism, advertising and public relations. But where can we find that magician called an SEO or search engine optimization international marketing professional?We find an avalanche of companies advertising themselves using Google AdWords as SEO international Internet marketing and Web promotion professionals. But sad to say, over 80 percent of these companies know very little about SEO Internet marketing and much about how to take your hard earned money.In May of 2006 the Interactive Advertising Bureau (IAB) and PricewaterhouseCoopers (PwC) announced that Internet advertising revenues reached a new record of $3.9 billion for the first quarter of 2006. The 2006 first quarter revenues represent a 38 percent increase over Q1 2005 at $2.8 billion and a 6 percent increase over Q4 2005 total at $3.6 billion.Last year, AdWords alone generated $3.4 billion for Google.With the Internet being the place to secure market share, many charlatans and wannabe international Internet marketing professionals are surfacing – thieves who know little more than how to cash your check and disappear quickly.So how does one go about shopping for an honest and successful company which specializes in international marketing and public relations on the Internet?You must ask several questions. Problem is, most companies seeking international SEO Internet marketing support do not know the questions to ask. Leyden Communications (Israel) provides below a list of questions for every company from Tel Aviv, London, Washington and New York, to Paris, Japan, India and China to ask the SEO or international Internet marketing company before they sign a contract.First, if your target audience is New York, London, Manchester or Los Angeles, or any native English speaking market, be certain to hire a native from that country. One whose English is at mother tongue level and understands the marketing culture of your target market. If you do hire an Israeli, make certain that they have lived and worked in your target market locale for at least ten years.Second, you want to know what experience and for how many years they have worked with international marketing, conventional distribution channels, sales, marcom, viral marketing, production of brochures, advertising and public relations?Third, what professional experience do they have in copy writing, journalism and research?Fourth, what practical experience do they have in programming?And last but not least, how long have they been working on the Internet?An international Internet marketing professional must wear many hats to succeed. The Internet SEO must be an experienced international marketing or PR person – one who understands how to penetrate and motivate a market outside of Israel without the Internet. They need to understand the basics of international marketing, branding, distribution and sales channels in order for them to integrate the digital world with the classic print, broadcast media and sales markets. The SEO must be an accomplished, creative and professional writer who can write for both the reader and the search engine.This article is an example of how one writes for both the reader and the Google and Yahoo search engines. The English suffers a bit as the writer finds a fine balance between getting your attention and the eyes of the search engines. But what is more important? The search engine!For if your customers in the UK, France, Germany, Brazil, Japan and South Korea do not find your Website, then having a Website with the best of conventional copy writing will find itself lost in cyberspace.Can you find a Webmaster, Internet graphic design, Internet programmer, professional Internet marketing, international marketing guru and professional journalist and or copywriter all in one person?
Many in Israel will tell you yes. I say, you will be lucky to find a team with each one of these professionals in no more than perhaps three international Internet SEO marketing companies in Israel.What then would be the real acid test for securing a professional SEO – search engine optimization Web promotion marketing company in Israel, New York, London, Paris or Beijing?Simply perform a search on Google for “Israel Internet Marketing” or “Israel International Marketing.”
If the SEO company you are talking to in Israel is not listed in the top ten, you must ask yourself one question: “How can they rank you, without the continued use of an expensive Google AdWords campaign, in a top ten position?”Google AdWords are a very powerful advertising tool used by SEO international Internet marketing companies in Israel, but they are not a substitute for having your commercial Website stand on its own digital legs. AdWords are not a substitute for getting out optimized news stories on Google News and PR news releases in to the many corners of the Net. AdWords do not substitute for creating blogs, professional rooms and forums in Google and Yahoo and the creation of videos for YouTube.Can a native born SEO in Israel find, let alone professionally write the English, French, Spanish or China copy and news you need for your Website and for international blogs and news releases?
Are they fluent in a variety of Israel export and import markets relating to hi tech, food, defense technology, agriculture, biotech, security, real estate, chemicals, metals, gaming, politics, crisis communications, education, plastics, music, shopping, telecommunications, sales, stocks, manpower, diamonds, Judaica, office products, food, beverages, tourism, games, textiles, dating, health, sports, news, videos, clothes, hotels, airlines and rental cars?Allow the native Israel SEO to market your products and services to domestic markets and sales cultures that they know best – Tel Aviv, Ra’anana, Ashdod, Herzlia, Afula, Haifa, Jerusalem, Kiryat Shomona and Eilat.Never look at office size as a measure of success. What you are paying for is knowledge and talent. Many SEO professionals and their complimentary staff of copy writers and programmers may work from a home office in Israel. Again, judge their international Internet marketing success by the ranking of their clients and their own personal search engine optimization ranking on Google and Yahoo.Never pay a maintenance fee. International Internet marketing SEO professionals are not servicing a car or cleaning a house. What you do want to invest in is more Web pages created by their Webmaster and more news stories and or news releases created by their PR firm to be placed on Google News.Never pay all that they ask for up front. Unless you know the company a good policy is paying half before the work begins and the balance once the work is completed. It takes about three weeks to begin seeing the results of SEO or search engine optimization. Although with some Israel SEO, you can see rankings improve within a matter of days by using Alexa.com. In using Alexa.com, it is a tool that you can use, one that cannot be played with by the SEO or SEM company.Lastly, if the SEO international Internet marketing company promises you a first place ranking, you will then know that they are bogus. No SEO or SEM can promise you something for which only Google, Yahoo, MSN and AOL control. They can promise you a higher ranking and depending on the link density of your industry maybe even a top ten position.Remember that the top ten search engine position that we are talking about would not be a paid Google AdWords sponsored link. It is your Web site, your Web pages standing on their own two feet that counts. Also having an optimized news story about your company’s products and services in a top ten position would equal your Website being in a high SEO ranking. In fact, as long as the SEO news / public relations story is in a high position, it reinforces your credibility as it serves as third party endorsement. It is far more potent than your Website ranking, as long as the story has a link to your Website.Your first stop in hiring an international Internet marketing company in Israel is a Google search.
Your second stop is to meet the SEO and SEM – search engine marketing team. If you don’t see a native English speaking, experienced international marketing professional who understands terminology such as POP, embassy commercial attache department, Israel Export Institute, packaging, four color bleed and what an optimized SEO news headline on the Internet looks like – keep walking.