Definitions of MarketingEvery day in 1 way or another, marketing needs to be undertaken in a retail business enterprise. Direct marketing is easily the most annoying type of marketing over any channel. Inbound marketing works effectively for many distinct businesses. It provides you with the opportunity to establish solid, meaningful, enduring relationships.A marketing funnel is what takes a possible customer through the full journey from discovering your small business, all of the way to purchasing your merchandise on a normal basis. Direct marketing could possibly be the absolute most annoying type of marketing, but it’s the strategy whose direct ROI is the simplest to track. Very good marketing aligns with the company. Deciding the most suitable moments in time to create big marketing pushes for big effect.Marketing can be costly. Unlike many majors, it is not only a multidimensional industry, but it’s also constantly changing. Multi level marketing is fun especially if you’re a people person. however, it can help you get in front of the competition if you are prepared and know what it is that you’re speaking about it is going to help your prospect or customer feel comfortable and trust you and that alone will make you successful in your organization. It is a real business it does not cost a lot to join a company I know a company where you can join four ninety-nine dollars but just because you do not have to invest a lot to start doesn’t mean you cannot make a lot of money and you do not have to do the work.What Is So Fascinating About Marketing?
If a business is staying away from PR then it usually means that they’re losing out on several things. In the process, and because of a reasonable anticipation of the threats, it possesses the capability to solve the problems as fast as possible. Your dental online marketing company should ensure you first dominate the city your office is in and expand from that point. A decent dental web advertising company will be constantly pushing you to acquire great reviews and assisting you to develop new strategies on the best way to acquire happy patients to leave reviews.A marketing program is intended to establish, direct and coordinate a corporation’s sales and marketing and advertising efforts. For a site to effectively attract new clients and clients, it has to be built around a strategic Inbound Marketing plan. A wonderful inbound marketing and advertising plan starts with a very clear and thorough buyer persona. Your company’s Spanish advertising plan should be as culturally aware since it is grammatically accurate.The Marketing Cover Up
Set aside some time and set a number of hours into deciding how you’ll advertise your company during the next calendar year. If it comes to Automotive business, companies want to interact with quite a few clients, suppliers both inside and outside the organization. Business to business is a little more complex, but may also be quite profitable. How you want to advertise the business 3. Even for those who have a little organization, you are the lone owner. If you need a multilevel advertising company, you should be a people’s person.Marketing – Dead or Alive?
By harnessing the popularity of wristbands, businesses can employ a productive advertising strategy to construct consumer awareness. The organizations are finding it hard to deal with the cut-throat competition at the domestic level, causing the decrease in profits. The business then needs nice and talented candidates that are capable of handling the enterprise. Many businesses make the most of the best prices on wristbands to purchase them in bulk to advertise their company. Many dental marketing and advertising businesses claim to compose unique content for your site but actually just cut and paste articles from some other places. A very good dental advertising business will work in tandem with your office manager to make certain they are managing your staff correctly so everybody is executing the tasks required to make your dental marketing successful.Marketing
Constant study and monitoring of the advertising environment will probably allow a business to prevent losses. To start with, if you’re marketing, it is truly imperative that you perform or acquire marketing research. Internet Market Research And Affiliate Marketing Now that numerous people’s financial woes have become larger as a result of economy, the notion of making money on the internet is getting to be one of the latest business topics, and among the very first things many individuals hear about is something called affiliate advertising.The Ideal Strategy to Marketing
Marketing, as an entity, has been in existence for an extremely long moment. Item marketing is a really intriguing function. Wonderful product marketing can produce the code you’re writing into something people want to have.Examine 5 Essential explanations for why you ought to use video advertising. Service marketing, as its name suggests, refers to efforts to market and sell intangible services, rather than tangible products. There’s no digital marketing and conventional marketing. To be precise and simple, it is an online promotional platform that is carried out on the web, commonly known as the internet. It is one of the most popular and lucrative sectors in online business. It is the heart and soul of any business. Network marketing is an easy business. however, it isn’t a simple organization.Click Here For Resources

Lately, SEO hosting has been getting a lot of buzz. I have read a few articles about it, and they fail to tell you exactly what it is, the benefits and the downfall it has on your websites. Moreover, I am going to go into great detail about it, when it should be used, and how it should be used, if it at all.What is SEO Hosting?SEO hosting allows you to spread your domain names across multiple c class IPs, making them look unique and separated. SEO hosting makes it all possible to manage these IPs under one control panel. It would be a time consuming nightmare to have to login manually to each IP.If you are not sure what an IP c class is, well, each IP has four classes. Listed below is your typical numerical IP layout, and underneath will be how it is laid out in alphabet classes:111.222.333.444A.B.C.DThe example above shows that, “111″ represents the IP “A” class, “222″ represents the IP “B” class, “333″ represents the IP “C” class, and “444″ represents the IP “D” class.Now, if you were to use seo hosting to host your web sites, this is how it will look over different c class IPs.111.222.333.444 (website #1)
111.222.334.444 (website #2)
111.222.335.444 (website #3)
111.222.336.444 (website #4)
111.222.337.444 (website #5)Do you see the difference? In my opinion, even though you are hosting on different c class of IPs, it is a dead giveaway, when they are in numerical order, like in the example above. For this to be as unique as possible and not to be a dead giveaway, the c class IPs should be mixed up, not in numerical order like above.You may have no choice, in how the c class IPs are delivered. There are a limited amount of seo hosting providers, and may not offer that, but it never hurts to ask. Moreover, there are a few that offer different c class seo hosting, and in multiple geographical areas, but they are very expensive.Traditional hosting may offer you additional IPs at a fee, but more than likely they will be on the same “D” class, making them on the same network and close in range. Below is an example of your websites spread out over different d class IPs.111.222.333.444 (website #1)
111.222.333.445 (website #2)
111.222.333.446 (website #3)
111.222.333.447 (website #4)
111.222.333.448 (website #5)Purpose of Multiple C Class HostingThe purpose of seo hosting, is to get an advantage over your competition by boosting your search engine rankings and link value.People that generally use seo hosting, are webmasters that have a large network of websites, with the purpose of crosslinking to boost their rankings. If you use traditional hosting methods, and crosslinking within the same network, this will get you banned from the search engines fast. In order to get away with it, you must have each web site appear that they are unique and are on a different c class IP.The more unique your web site appears to be to the search engines, the more value your links will have. Search engines are very picky about the value of links, and if they are on the same network, they are virtually have no value at all. Like I said before, the more unique your web site appears to be, the more value your links will have.Before you buy a seo hosting plan, there are a lot of other factors to account for and avoid, or this whole scenario is useless.NameserversAnother extremely important factor in seo hosting that is hardly ever mentioned, are nameservers. Search engines use the whois information, and they gather more than just who owns the website, but where it is hosted, the IP, of course, and the nameservers.If you are not sure about what nameservers are, let me explain briefly. Each server is assigned to an IP address. Then, that IP is assigned to a special set of nameservers or “ns”. In order for your web site to show up, you will have to set your nameservers to point to those particular nameservers. I hope you understand, I didn’t want to get into it too much.Getting back to the importance of nameservers, even if you have multiple c class IPs, but they are using the same namerservers, that is not seo hosting. There are a few seo hosting providers that “claim” it is seo hosting, because it is on multiple c class IPs, but it’s not. The issue is, if the nameservers are not unique for each IP, then, that’s not seo hosting. That is traditional hosting, plain and simple.Having the same set of nameservers for your c class IPs, is letting the search engines know that all your websites are hosted on the same network. Therefore, in the search engines eyes, the servers are the same and not unique. That one small important factor will defeat the purpose of seo hosting and your seo efforts.For the best results, you must make sure that each IP is on a separate c class, and has it’s own custom nameserver for each IP.Whois SourceThe whois source is another important factor. The search engines pay close attention to the whois source, for many reasons. As mentioned above, the nameservers and who owns the website. Search engines have been crawling the whois source for a long time and is a major factor in their algorithms. It helps them know who owns what, and fight web spam. The whois source has a direct effect on the way your web site is ranked.If you are using public whois information, and all your websites are using the same information, then I would make them private. If you get seo hosting, but keep them public the same, you are going to raise a red flag to the search engines. You don’t want that, defeats the purpose.Make your whois private, or you can use a friends and/or family members information, but get permission first. Make sure you tell them that their name, address and phone number will be public. You also have to remember that people do data mining of the whois source, even though it is illegal and it is intended for informational purposes only. Just make sure you use a valid name, address and email address, in case their is a problem. You can avoid this, by just going private.Even though private companies are using the same whois information repeatedly, but they are exempt from this.Reality of SEO HostingThe reality of seo hosting is that it is expensive and may not be suitable for websites, the results may vary and may not be worth it.SEO hosting is expensive. It can cost you up to $8 per IP, depending on if they are shared or dedicated. If you go with multiple c class shared IPs, it usually costs around $4 per IP, which isn’t too bad. Now, dedicated multiple c class IPs are a lot more expensive, especially if they offer multiple geographical locations, that can cost up to $10 per IP. To find the best price and plan, you will have to shop around.SEO hosting isn’t as reliable as traditional hosting, and you could have a lot of downtime. The seo hosting concept is still relatively new, and as time goes on and the demand, it will get better. I have tried a couple seo hosting providers, and they are not bad. I haven’t had any bad experiences, yet.SEO hosting isn’t suitable for everyone. If you only have a few websites, then, I wouldn’t even bother. You may not see much, if at all, any difference in your results.Moreover, if you have a network of 20 websites, then yes, seo hosting will be very beneficial to you. One thing to keep in mind, I wouldn’t host your entire network from the same seo hosting provider, I would use multiple companies. You don’t want all your websites coming from the same geographical area and c classes. The best results are to use multiple providers, with unique IPs, not just c class, but a whole different IP range.I’m going to be completely honest here, there is a possibility that seo hosting may not boost your rankings at all. Your results may vary depending on the competition in your niche and the size of your network of websites. If your niche is every competitive, you may only increase your rankings a few spots. But, if you don’t have hardly any competition, you could boost your rankings substantially.Regardless of the hype surrounding seo hosting, results will vary and a lot of factors come into play. SEO hosting isn’t a quick seo fix, but yet another variable to add to your seo practices. SEO is like baking a cake, if you put all the right ingredients in place, your results will shine.ConclusionIf you do plan to implement seo hosting, make sure you always contact the company first and ask them a series of questions. Never assume that they offer this and off that. I have been contacting seo providers, and I was surprised by some of their responses. Know what you are getting, before you get it.To help you out, below are a series of questions I always ask, and you should too, before buying any type of seo hosting plan. Some of these questions may seem like no brainer, but they are important.
Are the IPs dedicated or shared?
What is the location of the IPs?
What is your customer support response time?
Does each IP have it’s own custom nameserver?
What is your downtime?
Is there a money back guarantee?
I hope that this help answer some questions you may have had about seo hosting. SEO hosting can be a good boost for your rankings, and bad, if you apply it’s philosophy wrong. Be smart, before you jump the gun.

We have all been there… trying to figure out the best ways to get ahead. We are always in search of the next “big thing”… We are constantly trying to find that edge that can separate us from the competition. Why do some people achieve elite success and others, well, others just flounder? There are specific steps we all must do in order to stand high and mighty, on top of that hill. These can and will create a tremendous foundation for anyone navigating through their home business blueprint:1. Brand Yourself!The biggest challenge when starting your home based business is understanding that you must create & cultivate a brand… a brand of YOU! When I first started my home business (and had no idea of what the industry entails), I figured I could be that guy behind my computer, growing my business without anyone knowing me. That could not be further from the truth! Set up a Facebook page, a Twitter account, Google+, LinkedIn and start a website with YOU as the focus. People want to know who and what you stand for-the faster you can build your brand, the faster you will ascend within your home business blueprint.2. Expose Yourself (Don’t Worry-it’s not what you think!)While cultivating your home business in the early stages, you have to know what works, what doesn’t and where to find this information. Like any business, you need to immerse yourself in as much information in as many places as possible. The more you know, the more you succeed. If you need to read “Home Business for Beginners”, don’t be ashamed-DO IT! Sign up for various social media sites and become familiar with how they work. Read articles from every type of business within the Home Business industry… read about the people that have succeeded… and failed. Learning about this industry is a necessity with the home business blueprint.3. Show Me the Money… I mean, Show Me How Good YOU Are!Obviously, developing and growing your home based business is going to take some time… you will be slow, things may not look all that great, and you are going to stumble and fall a few times. As you grow, gaining more confidence and understanding the concept of what you are trying to do, you need to exhibit how great you are. What that means is, make everything that resembles you-your webpage, your articles, your blog posts, your pictures, everything needs to show professionalism. Why? Because that’s what people first see, when they come across your profile or name. No one is going to click on your information or want to know more, if it doesn’t look like you know what you’re doing and have some experience. This will constantly be changing as you trek through the home business blueprint.4. Get in a Relationship… Hundreds of Thousands of Relationships!Business is all about people. Period. It doesn’t matter if you own a convenience store or a rental car company, it’s all about creating relationships. Relationships with your customers. Relationships with your vendors. Relationships with your colleagues. People buy from people. Growing your network of relationships is no different with your home based business. You do this through your “brand” and what you are showing people on the web. Join forums and Facebook groups to meet new people and learn about what they have achieved with their business. Creating a large, quality network of relationships is a major component of the home business blueprint.5. Find the Best of the BestThe home based business industry has been around a long, long time. A great way to find solutions to problems, information on a specific company or product or just flat out see how that guy is making Seven Figures of residual income every year(!!) is to find out who’s the best in the industry. Who are they? Where did they come from and how did they get there? What are they doing now? The reason this industry is booming is because of the enormous opportunity-so find out who does it best and mimic them! These leaders are the ones that laid the groundwork for the home business blueprint.6. You Own a Business, So Act Like It!When I started my home based business, I thought this was going to be sooo much fun. I will get to play on Facebook at night, talk with people and then they will just send me their business all day long. Didn’t happen..and it doesn’t happen. This is a business and the sooner you realize this and take it seriously, the sooner you will succeed. People tend to not grasp this, because of the fact that there is a minimal to start a home based business, they already have a day job, etc. But, if you want to create your financial freedom in the home based business industry, you need to work at it-just like any other business. This is one of the bigger obstacles when people start with their home business blueprint.7. Take the Bull By The Horns-and Make Sure Your Team Sees YouAnother huge attraction to the home based business industry is the thought that once we recruit a few new team members, we are good to go. You’ve already done your part, now just wait for your team to recruit more and you’re in hog heaven… right? WRONG. You need to work harder than everyone else and show your team this. This is not only a sign of a good leader within the home business industry, but this is how the great leaders act in all aspects of life. Work hard now and you will reap the rewards soon enough. Working hard will create exceptional team morale and it becomes contagious-something you will see during your home business blueprint.8. Pay It ForwardTo piggy back on to the previous point, when you’re working hard, recruiting your new members, you also need to make time to help your existing team members. Not everyone has the same experience, knowledge and drive that you do. Motivate your team, role play with prospecting scripts, and give them tips on ways to improve their own brand. The coolest thing about the home based business industry is that everyone has to work together. If the people below me aren’t succeeding, I’m not succeeding. Helping them grow and create their business will exponentially help you and everyone else. This is the best aspect within the home business blueprint.There you have it, a few things everyone needs to know going forward with a new home based business. Believe me, it’s not ALL you need to know, but these tips should secure a solid foundation where you can start your journey. This industry is fun, but it does take hard work. All that hard work is totally worth it when you’re collecting on your 6 or 7 figure residual income a few months from now. One more thing: NEVER GIVE UP once your home business blueprint is set in motion!

With so many malls and shopping centers in the world, something must be said about the unique entertainment center experiences that one can find all over the world. With top cuisine options and various exciting activities, these shopping malls provide you with so much more than just shopping. They are really a retail extravaganza that will keep you coming back time and again. Here are the most popular, largest shopping entertainment center options in the world:The Dubai MallWe all know that everything in Dubai is bigger and better, and when it comes to their premier mall, none can compare. It is truly an entertainment hotspot with more than 150 food and drink outlets to choose from and the largest Cineplex in Dubai consisting of 22 screens showing all the latest box office hits. Aside from this, the expansive 12.1 million square foot mall is filled with over 1200 retail stores, and plenty of attractions for visitors to marvel at including the largest single volume Aquarium in the world with a 180 degree tunnel for shoppers to walk through. Additionally, you will also find the world’s largest indoor Gold Souk here, as well as SEGA indoor theme park, and Kidzania, an innovating edutainment zone for the little ones. To top it all off there is an Olympic size ice rink for the entire family to enjoy. This entertainment center is a must if you are in Dubai.The Bali CollectionThis is a shopping, dining and entertainment center situated in the heart of Nusa Dua, offering plenty of live theater and music every night until about 11pm. The high end Blackstone Terrace and bar is a popular spot for locals and visitors to enjoy and provides most of the entertainment in The Bali Collection. Aside from this, there are around 30 other top restaurants and cafes to choose from, making The Bali Collection an ultimate dining and entertainment center.SM Mall of AsiaThis mall located in the Philippines offers an ice rink, huge cinema complex and a Science Discovery Center which is enjoyed by young and old alike. The entertainment center consisting of 4 buildings connected by walkways and covers a massive area of 4.4 million square feet.West Edmonton MallLocated in Canada, this is the largest shopping complex in North America, and offers visitors various amusement areas including an indoor wave pool, a hotel, an ice rink, Sea Life Caverns underground aquarium, adventure golf course, and plenty of world class restaurants.Berjaya Times SquareWith over 1000 shops and over 45 restaurants, this entertainment center is the most popular in Malaysia. It offers plenty to do with its large theme park and impressive 3D Digi IMAX Theater, as well as IT Center. The building is said to be the largest ever built in Malaysia and it is graced with over 2.5 million visitors each month who come to marvel at this international landmark and entertainment shopping destination.There are many other massive, entertainment rich shopping complexes all over the world. If shopping and travelling is what you love most, make a plan to visit all these exciting entertainment center options to see what they have to offer.

There are many options for buying a group of securities in one product. The most popular ones are mutual funds, segregated funds and exchange traded funds. What they have in common is that these products are an easy way to buy a group of securities at once instead of buying each security individually. The fund can also proportion the securities so that you the individual investor does not have to. There are two main classifications for what type of fund you can purchase in terms of costs. It is important to know how these costs work so you can avoid paying too much for this convenience. These products differ in terms of how they are administered, access to the products and their costs.Active Versus Passive InvestingBefore getting into which of the products are suitable for you, there are some aspects that need to be considered so that you understand what the variations are among the products.Active investing is when someone (a portfolio manager) picks the stocks that are in the fund and decides how much of each one to hold (the weighting). This portfolio manager would also monitor the portfolio and decide when a security should be sold off, added to or have its weighting decreased. Since there is ongoing research, meetings and analysis that must be done to build and monitor this portfolio, this fund manager would have research analysts and administrative personnel to help run the fund.Passive investing has the same setup as active investing, but rather than someone deciding what securities to buy or how much of each one to buy, the portfolio manager would copy a benchmark. A benchmark is a collection of securities which the fund is compared against to see how well it is doing. Since everything in investing is about how much money you can make and how much risk it takes to make that money, every fund out there is trying to compare to all of the other funds of the same type to see who can make the most money. The basis for the comparisons is the benchmark, which can also become comparing between peers or funds managed the same way. Comparisons are general in done only for returns. The risk aspect of the equation is handled by looking at what type of securities the fund holds or how specialized the fund is.How Do I Know By the Fund Name If it is Active or Passive?The short answer is that you have to get to know how the fund manager operates the fund. Some clues to know more quickly if the fund is active or passive are given next. If they are intentionally trying to pick securities according to some beliefs that they have about the market, this is active management. If the fund description talks about “beating the benchmark” or “manager skill” then it is actively managed. Looking at the return history, if the returns vary versus the index by different amounts each year, then the fund is actively managed. Lastly, the fees may be expensive and have sales loads.If the name of the fund says “Index” or “Index fund” there is a good chance that the fund is passively managed. If the name of the fund says “ETF” or “Exchange Traded Fund” this could be a passive fund, but you need to make sure of this because some ETFs are actually active funds, but they are managed in a certain way. Most of the passively managed ETFs are provided by BMO, iShares, Claymore, Vanguard and Horizons in Canada and Powershares, Vanguard and SPDR (or Standard and Poors) and others if the holdings are from the U.S. Most of the other companies would have actively managed funds only. If the fund description states that the fund is trying to “imitate” the performance of an index or benchmark, then this implies that it is copying the index and this is passively managed. From the return perspective, passively managed funds will be very close to the index that they claim to imitate, but slightly less due to fees each year. The amount that the returns are under the index will be close to identical each year unless there are currency conversions or variances in cost which may come from currency fluctuations or hedging that the fund may do. Passive funds typically do not have sales loads as they are geared toward people who invest for themselves.There are some funds that try to mix active and passive management. These products can be assumed to be actively managed, although their results will be closer to the benchmark than most of the other funds, so this is something to consider if the variation from the index is a factor.Types of CostsWhatever product you buy, there will be a cost associated with buying it, keeping it and selling it. This will be true whether you have an advisor versus doing it yourself, and whichever institution you go to. Even buying your own individual stocks will have trading fees which you must account for. How much you are paying for each product as well as the advice will make a large difference in what return you will receive at the end of the day.There are many types of costs to be aware of when you are deciding which products to invest in. This article will focus on the active funds that make up most of the selection for retail investors.The Management Expense Ratio (MER)This is the largest cost for most funds and represents the cost of managing the fund. “Managing the fund” means running the investment company, researching the investments, advertising, overhead and the cost for the advisor or sales person when it applies. Administrative costs like GST within the fund and accounting for trades and record keeping are also part of the expense. The MER covers all of these costs in an actively managed fund. The MER is given as a percentage, which is the percentage of the assets that the fund manages or invests over a year of time. If you have $100,000 invest in a fund, and the MER is 2% per year, you are paying $2000 per year to keep this fund. The cost is subtracted from the return and what you see in your investment statement is your return net of fees, or after fees. There are exceptions to this rule if you have a high net worth account or a special arrangement with the fund company, but for the typical investor, this would be true. The Management Expense Ratio is the management fee plus the administrative costs. The administrative costs are usually between 0.05% and 0.1% of the assets of the fund. If the information you obtain states a “Management Fee” instead of a “Management Expense Ratio” you would have to add on the administrative costs to get the true fee. Seek out the prospectus and look up fund operating costs to find exactly how much the number is. In some cases, an advisory fee is also added to the management fee and administrative fee which can be substantial. If your advisor does not disclose this, the prospectus is the next best place to find out what the costs are.For American funds, the MER would be called the “Expense Ratio” or “ER” which is the same thing as the Canadian MER, but advisory fees are not included in the ER and would be included in Canada for the MER if the product is actively managed. If the product is passively managed in Canada or the U.S., the same names apply, but no advice would be part of the cost since these products are used by people who invest for themselves and would pay for advice separately if they retain it.MER Will Depend on ClassThere are products that have various classes of the same product, the same way there are different models of the same car or the same cell phone. For investment products, the classes indicate how you came across the product, or what restrictions you have on access to the product. For example, Class A is usually a retail class where anyone can buy the product with any amount of money. There is Class I, which can be obtained through an employer or another institution. An example might be buying this product through your company pension plan. There is a Class O which typically has no fees embedded in the return and is reserved for non-profit institutions of high net worth clients that buy direct from the company. There are also classes that are part of different portfolios that are set up by the issuer, like Class F which would be available depending on who your investment dealer is. There are also classes that vary depending on what type of advisor you have and what relationship they have with the fund company. The best thing to do here is ask what class you are being offered and get material form the issuer on how much it would cost. In some cases, you can get the same product in a different class and pay less for it. Some companies may have “Series” instead of classes or some variation thereof. The key thing to note is that different versions of the same fund would different fees, and the differences can be substantial.Sales LoadsWhenever you see the word “load” on a fund it refers to a sales load. This fee is paid to a sales person for advising you and recommending the product to you for the company. There are “front end loads” which are paid as a percentage of the amount you initially invest. If a front end load is 4% and you invest $100,000, you will pay $4,000 up front just to buy this fund. These funds may have the code “FE” in the fund name on your statement. Note that sales loads are not related to MER fees – they are separate fees. There is also a “back end load” or “Rear end load” which is a percentage charged to you when you sell the fund. These are marked with the code “DSC” or “Deferred Sales Charge”. If a back end load is 5%, and you sell $120,000 worth of this fund, you would pay $6,000 in fees to exit the fund. These funds tend to have a DSC redemption schedule which means the sales load will decrease the longer you stay in the fund. Most companies stop charging the rear end sales load after 6 years of holding the product. Since each company varies, you should obtain the details of this schedule up front and understand how the numbers apply to your holdings. There are also “no load” funds which do not charge sales loads at any time. You may also come across “Low Load Funds” and “Level Load Funds”. Low load is similar to the fees discussed above, but they are discounted or lower than average. The level load idea means that the same percentage of sales load is charged over time.Some companies charge an early redemption fee if you sell their fund within a short period of time. How short the period is will depend on the institution. In some cases, it is 30 days, but it can be 90 days, 6 months, 1 year or some other time period. This fee is designed to discourage quick redemptions or short term trading of the product.The best thing to do to clarify which load you have is to ask up front and have it explained to you. If the information is not forthcoming, it may be time to find another place to invest your money or do the research on your own. Note that sales loads only apply to a fund that is sold through a sales person. You may be able to get the same fund without the sales person in some cases. Passive investing generally does not have sales loads – but the exception would be if an advisor recommends these funds and charges you some type of referral fee. This would be another question to ask if you are being advised to buy a passive fund and are not seeing any direct cost to buying the product.Currency Hedging CostsThis type of fee will occur in funds that trade in non-Canadian currencies and hedge them so that the price you receive would be in Canadian dollars. The cost of transacting the hedge itself is the fee being described here, and it can range from 0.5% to 1% per year. If the fee is not disclosed, assuming 0.5% is the cheapest that it will likely be. If you are investing in emerging market currencies or non-developed market currencies, the hedges are much more expensive to put in place and go higher than 1% per year. This is a cost embedded in the return of the fund, but should be examined to flesh out exactly what you are paying to have this hedged. Both active and passive funds pay the same fee for this type of activity.The alternative would be to keep the securities in their home currencies and whatever changes happen to the foreign exchange rates would be reflected in the price of the product. The fact that currency exchange rates can change is a risk of your investment, but it is not considered a fee like the other fees discussed in this article. This fee does not apply if the fund price is in your home currency. You may have a U.S. dollar account, buy a fund that trades in U.S. dollars and then redeem this fund for U.S. dollars. Until you convert the money on your own to Canadian dollars, there is no currency charge. You would only have a conversion charge to change the final dollar amount to Canadian dollars.Referral Fees or Trailer ChargesThese can sometimes be called Service Fees. This type of charge is paid to a third party who sells the product to you on their behalf. It can be thought of as a referral fee or trailer fee. This fee tends to be captured by the MER, but this should be investigated with the company you are dealing with as this may vary. This type of fee tends to arise with active management as passive management products usually do not have any referrals attached to them.Performance FeeThis fee is based on whether a fund achieves a return over a required benchmark – a reward for good performance. This type of fee is common with hedge funds or exotic types of products, but it is sometimes embedded in funds sold to retail investors. Like with most of the fees, ask questions and do your research because this type of fee will be different for every institution and product. This fee is optional in that it usually will not apply if the return on the fund is negative or positive but not that high, but the question should still be asked to minimize surprises.Fees of Holding One Fund Inside of Another oneIf a fund that you are investing in has other funds within it as part of its holding list, then you will pay the MER fee for the fund you are buying as well as the fund that the fund holds. The best way to check if this is happening is to look at the holdings list. If a fund holds another fund, it will be a large holding so a fact sheet with a top 10 holdings summary should provide good information. The actual numbers for each of these items will differ depending on specifically what the fund is and how it is managed. Some of the other fees like Sales Loads and Referral Fees would not apply to a fund held inside of another fund. If the fee is necessary to operate the fund, like currency hedging, then this would be included. Whether a fund holds stocks or another fund can also impact withholding taxes if the fund is investing outside of Canada – particularly for U.S. products. This topic can get complex, so it will not be discussed here. Some funds will have other funds to get access to illiquid markets, or parts of the world that have hundreds of securities. Buying a fund in these cases would actually save on time and trading costs, so it can be justified depending on the market being invested in.Intangible CostsThe key takeway is that you need to do a cradle to grave analysis of what you have and see the costs from beginning to end of your investment period to get an idea of what is really happening. Ideally, the costs should factor in time spent, effort spent on research, and costs of discipline and assurance which would be available when dealing with an advisor that may not be there when you are doing it yourself.Where to Find These Costs?The most comprehensive place that will contain the most detail regarding fund costs is the prospectus. This can be found be searching for the product name and the word “prospectus”. If you do not know the exact product name, you can search the internet by the company name only, find their web site and then search for the product name there. The fund companies will have these documents with the regulator as well as their own web sites and they will be typically in PDF format which can be read and downloaded from your computer. A simplified prospectus would also have the same data that you would be looking for regarding fees.

Health care is a booming industry that continuously needs skills workers and professional workforces to fulfill the job positions. If you are in the health care industry, the high demand in the industry can create a good opportunity for you to move your health care career to a high level, what you need is a good health care degree that can meet your career goal. Pursuing your health care degree online is a good option that allowed you to continue your current job while study online to earn a health care degree for a brighter future. There are many online health care degree programs available, so how you are going to pick the best online health degree program out of the list?Before you pick the best online health care degree, you need to know what you want with the degree. Health Care industry covers a wide range of fields and each health care degree is designed to serve the need of each field. Alternative medicine, emergency management, psychology and life care planning are different careers in health care industry; there are many other fields in health care, which one is your target career? You need to make clear on your career direction before you decide which online health care to consider.Once you have made up your mind of your preference health care career, your next step is to select an appropriate online health care degree that can meet your career goal. Although searching your preference online degree program is easy and convenient using internet, but time and efforts are needed to find the best online degree program. Besides the need to beware about the potential diploma mills, you should also aware that the same degree program offered by different accredited online universities may carry difference courses. The best thing to get a further understanding about these degrees is requesting all the detail information from the related online universities. The good thing is information requests are free of charge; hence you should fully utilize the free service to get all information you need about your preference online health care degree and compare them against your career goal.The best online health care degree program should be offered by a reputable accredited online university. You want your degree carry the most value and well know by most employers in the health care industry because you will need it to help you in your health care career movement. In term of accreditation, you can always check your preference online universities with the accreditation database provided by CHEA.org. For reputation, you can check it against any complaints filed about your short listed universities at BBB.org.The best online health care degree should gives you the necessary hand on practical and other on job training that are needed for you to familiar with the necessary skills to implement your knowledge and apply it to your job. If the selected online health care degree required these lab and practical works, find out from the online university about their medical partners that near your location that will allow you to perform your practical training.In SummarySelecting the best online health care degree out of the bests is not an easy task. The bottom line is your best online health care degree may not be the best in the market, but it is the best for you because it can fulfill your requirement to achieve your health care career goal.

It should be obvious by now that the U.S. health care system is not going to be happily corrected from the top down. If we truly had a free-market competitive system with many insurance companies vying for the public’s business, that should bring prices of their service down, right?How can our President be an honest broker in a negotiation with the fabulously wealthy health insurance corporations, the pharmaceutical industry, and others who were major contributors to his election? It simply is not going to happen. These folks have spent a lot of money and time to get their corporations into a position where they have got the most profitable game in town, and — as we have seen with the heavy Wall Street influence on this administration — they are not going to be forced to give it all up, just to make the American people happy.An article recently appeared in the newspaper by T.R. Reid, which gives a rundown of the administrative costs of various health insurance plans around the world, with ours included. The U.S. topped them all at 20% being spent on paperwork, reviewing claims, and marketing. The European countries and Canada ran about 4-6% administrative costs. Taiwan came in the lowest at 1.5%! It shouldn’t require private detective sleuthing around the corridors of power in Washington to help us figure out that Americans are under the thumb of an uncompetitive and — I may as well say it — corrupt system.We have a system where the people with the most to gain, “gain access” to our political leaders with the help of well-connected lobbyists to get their views heard. Then, when election time rolls around, mega-contributions flow into the appropriate party’s account in return for favorable legislation that allows the corporations to maintain their strangle-hold on our shrinking American economy. It’s all a highly-ritualized dance here, but in any Third-World country the same general process is called corruption and influence-buying. The results are the same, whatever we call it.So how do we, as a nation, break free of the hold the Health Care Industry has on our economy? It is really very simple. We must use one of the few freedoms we have left: Boycott these industries that have been overcharging us for years. And give up the naive notion that your elected representatives will negotiate a fairer deal(for you and me) with the industries that paid to put them into office.Now, I know what you’re thinking. You’re thinking, “If I give up my current health insurance and something happens to me or one of my family, we’d be sunk!” You have a point, there.It’s a shame to live in fear of something, out of your control happening to you, isn’t it? But what about the elements of your health that you CAN control? So much of our long term disability develops from simple everyday choices we make that lead to our weight gain, or whether we smoke, whether we drink too much. These are all controllable if we choose. I choose — do you?Are you doing everything you can to reduce your need for health care? There are many peer-reviewed medical studies showing the health benefits of a primarily vegetarian diet, combined with daily cardiovascular exercise, being very effective at reducing bad cholesterol, lowering high blood pressure, maintaining a healthy weight, etc. Are you availing yourself and your family of these proven do-it-yourself healthcare measures?Both Health Reimbursement and Health Savings Accounts Offer More Treatment Options and Lower CostsIf you can afford to enroll in a Health Savings Account and live with a $5000 deductible health insurance policy, this has many advantages, not the least of which is slashing the tribute you pay for unused medical care you will get through a standard health care policy. If you are in a high-risk profession where major injury is possible, then this may not work for you. For most people, however, it will.How about we boycott the pharmaceutical drug industry to the extent we can?Take a hard look at the prescription drugs you and your family take. How many are really necessary? In many cases, Big Pharma has just cooked up drugs that are letting you slide by without changing your unhealthy habits of eating, drinking, smoking, and not enough physical activity. They have dreamed up new “medical conditions” like GERD (gastric reflux) which in many cases is just caused by what used to be called indigestion — you ate a bunch of greasy, fatty food just before bed and, as your stomach churned and labored to digest this overly-rich mess, the stomach acid backed up your esophagus. Are you willing to stop eating like that, to save yourself money and be part of a movement to get the attention of the pharmaceutical industry?Are you willing to quit eating pepperoni pizza for a midnight snack? What ARE you willing to do to get your freedom back from the sickness-care and prepared food industries who are getting rich off a tag team attack on your health?In these hard times — and no, the downturn is far from over — wouldn’t it be smart to stop paying so much for fattening foods and the medical problems they cause?Go down the list of pharmaceuticals you take, read some books on the subject of legitimate alternative diet and health practices that would make these drugs unnecessary. Then, take personal action yourself to correct the problem. I must warn you, under threat of prosecution, that if your doctor has you on statin drugs or some other major medication, that you must get the help of another doctor to help wean you off them. Dr. Dean Ornish and Dr. Caldwell Esselstyn have some good books out that can give you solid proof that what I am saying is true and do-able.Dr. Esselstyn has a list of health care professionals on his Web site who can help transition you off many pharmaceutical meds. Another good source for this information is Dr. John McDougall — offered for free on his Web site.It can be done, the only question is whether the American consumer of so-called health care products and services will have the courage and gumption to do anything about it. The average American has a clear choice here: to continue their comfortable habits, even though they are growing slowly fatter and sicker, or to make a stand for freedom, when all the odds are stacked against them? It won’t be easy, but nothing feels as good as freedom and trouncing a bunch of rich fat-cats who have been ripping you off for years!Our politicians don’t care as much about our little votes as they desperately seek the huge campaign contributions of the Pharmaceutical and Health Insurance Industries. We have no power unless we learn — and we can learn — to live without most of these rip-off-priced health care services.It will take a consumer revolt — a Boycott — over a period of time, to get the attention of the industries that own the political power in the USA.All Big Pharma understands is the bottom line. If their sales in this country go down, they will be forced to listen and do something. (Have you read the list of side-effects? You are better off not consuming these pills anyway — there are legitimate doctors who can provide you with healthy alternatives.)What we need to do is make it clear that Big Health Insurance is next on our boycott listTo a great extent, what I am proposing is already taking place. Many people, like me (and perhaps you, too?) are offended by the high costs and narrow options for treatment our present medical/insurance system offers, so we’re not participating. The Obama administration has made some noises about making it compulsory that everyone — Everyone?! — pay into a health insurance system, except Senators and Congressmen and -women and, of course the President. We’ll see how that goes over.Most of the diseases that kill us and those that disable us are preventable. Our diet is the biggest source of our fatal diseases. We have been brainwashed since childhood to overlook this obvious culprit that causes us so much pain and frustration. It is up to us to start seeing the elephant in the room and retake our freedom and a large part of our personal budget back from the people who are profiting off our food-caused sickness.The only question is, ” How much abuse will Americans take at the hands of the overpriced Health Care Industry before we stop being played for suckers?”Stop begging the politicians for help and get healthy. It’s free! Show the Symptom-Relief industry you don’t need them any more!Then prices will come down as we negotiate from a position of power. Cut out the middlemen — the insurance industry — and pay cash for services you want. That’s how the consumer gets a bargain in any negotiation, not by asking the federal government to add a new layer of bureaucratic expense.

#EANF#

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.
Advertisement

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.

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.