Things to Be Considered While a Choosing Payday Loan

A payday loan is a short term loan that is often used to cover up unexpected expenses and it is paid into your bank account directly. In order to apply for this type of fund, it is vital that you should fill up the application form properly and that you should fill up a few other forms as well. If you follow this type of online application procedure, it is vital that you only have to spend a few minutes for this purpose. Once it is approved, there is possibility that the total amount of money will be deposited directly into your bank account. For this type of application process, all you have to do is to write your bank account number as well as Social Security Number on the application form. Here are a few things that you should consider before you apply for this type of fund as quickly as possible.The first step that you should follow is to contact at least four or five lenders and that you should ask them to provide price estimates as quickly as possible. It is vital to remember that they all may provide different types of price quotes and it is important that you should choose someone who offers price rate that suits your requirement. Plus, you may ask him if you have to pay anything extra at any point of time.When you look out for this type of fund, the thing that you should follow is to gather knowledge about its repayment terms. Repayment is the exact time that is allowed to the borrowers to repay the loan successfully. It is vital that you should be able to repay it within the stipulated period of time and it is also important to note that you may also have to face a penalty if you cannot repay it within that period of time.However, there are a few lenders who allow you to extend that period of time up to six months. Therefore, the next step that you should follow is to ask about the necessary action that he should adopt if you do not have an adequate amount of money to repay it within the stipulated period of time. All you have to do is to apply for an extension at least two days before your scheduled date of loan repayment. It is vital that he should give you this kind of facility. He may ask you to pay the interest rate within the stipulated period time and he may also encourage you to repay the rest of the amount as quickly as possible.Your next step is to find out the details of repayment terms as much as you can. All you have to do is to ask him about the exact date within which you have to pay off this kind of fund as soon as possible. It is important to remember that you will not be charged a penalty if you pack back this kind of fund prior to the specified period of time.It is vital that you should find out the details of customer support that is offered by him. It is advisable that you should choose someone that provides excellent customer service and that listens to your problem whenever you approach him at any point of time.The final step that you should follow is to contact your local business bureau as quickly as possible and that you should find out if there is any kind of complaint being launched against him at any point of time. Plus, you should also check out if there is any sort of negative review or comment being written by the customer on any social networking site at any point of time.
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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.

Finding The Right Home School Program

There’s no turning back now! We joined the ranks of the home school movement! We actually left behind the traditional brick and mortar school system. We did? Yikes! How the heck did I do this alone AND find the right path or “home school program” that was perfect for our family?The biggest question was can I do this? Eek! I realized I was about to embark on a colossal voyage; full-time employment, full-time teacher, full-time mom! I’m so glad I didn’t think how massive this thing was at the time (risking I’d chicken out once I realized the scope of this task all by my lonesome). I just decided to move forward and wing it. I had a “Mom the Builder” attitude. Once I made my mind up, I declared “I CAN do this… yes I CAN!” I was determined to move forward full speed and damn the torpedoes! I was resolved to stick with this as long as we were achieving positive results. We’d give it a year and make an assessment after that as to whether to continue.LOGISTICS AND RESEARCHA big factor we didn’t consider, were the people in our life and whether they would support or interfere with this decision. We had to keep those who were unsupportive at bay. I was wise enough to understand, if we failed, we would have learned a valuable lesson and would be stronger from the experience. If we succeeded… all the better!The next thing I needed to address were the “physical logistics.” Where to set up the “classroom” and a comfortable workspace, while keeping “distractions” to a minimum. We opted to convert the master bedroom into a home office/classroom. It was spacious enough for both our needs. I could set up daily lessons and continue on my own work. Plus, I would be right there to give guidance and aid when it was needed. A perfect fit!With the initial concerns tackled, next was finding the right program. I conducted extensive research to see what was available. Wow! I had no idea there was so much information out there on home schooling and home school programs. So much so, that it was a bit overwhelming. I didn’t know which direction to head! I didn’t know anyone PERSONALLY that home schooled their children. In fact, many of my friends and family thought I was insane! Their valid concerns were about “socializing”. But it didn’t stop us, because it felt right and I was open to implementing extra curricular activities to cover the “social” aspect.I also contacted other families who had home school experience to get the pros and cons from their own journey. My internet research yielded all sorts of home school programs, including free and tuition programs, as well as Christian based curriculum programs. I had no idea there would be so much to choose from. I certainly had my work cut out for me!After I concluded my research, we decided to try out the K12 program to see if it was the right one for us. It is an “accredited” chartered public school that provides all the tools found in a traditional brick and mortar public school arena. Over the years, they provided us (since the first grade) with a computer, printer, textbooks and the tools for each subject (science, math, literature, spelling, history, art and yes even music!) When we received our first shipment, it was like Christmas! The support we continue to receive from the school is commendable AND because we had to relocate from Arizona to Nevada (for employment reasons) we did not have to change curriculum. K12 is available tuition free in both states! Needless to say… this was a great choice for us.. big time! My child excels in school, is a grade ahead of her peers and an honor roll student at the top of her class!