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As it is always stated, that technology has made living much more comfortable in the present scenario; instead technology has a vital role in shaping the world to make it comfortable for us human beings. It is not just a phenomenon of today but it has been a persistent phenomenon since the world exists. Technology with its consistency has not just comforted people during their daily routine but has also shaped up people’s life for their betterment. The working time of people has lessened because of the advent of technology, as in ancient times people used to work for hours and the output was less but these days people can sit back and let the machine do the same amount of work within minutes.It has not just made people comfortable but has also made their life simpler to live. Being diverse in nature it has brought employment to ‘n’ number of people. Youth these days brainstorm their mind to think about an innovative technology which would be highly acceptable in this world, then they use their manpower to give a shape to their innovation, which is actually contributing a lot for the world. As new technologies are being developed which will increase the economy of the country?The modern technology is not just growing but has amazed the people with the things it can do in just a fraction of seconds. Developers have developed computer which can understand the human emotions, and can exactly judge word to word what a person is thinking about, which in today’s world is a remarkable achievement. Such technologies are infinite in number which has left the human beings in embezzlement. The technology is updated everyday, which makes it very difficult to cope up with the latest versions. The aspiration of the growing developers should be to do things differently, not the same things, which have been done in the past but differ a bit.Technology has its downsides too, which should not be left out, It is making the people much more dependent by spoon feeding everything and not encouraging them to work harder. With the growing potential of technology it is someday surely going to increase the work load on humans while developing it and the end is going to replace all work done by humans. Technology has also created a drift between the upper class and lower class society. On the basis of technology they can posses. An upper class person would always be envied of the gadgets he uses by the lower class. In the end all we need to remember is that we are the ones who have the leash to develop technology so we should stop, when technology starts to hover the efforts of human beings. We should all remember that the remote control of these technologies is in our hand i.e., to use it in the right direction depends on the way we control the joysticks.

There are thousands of online businesses making money, and even fewer online businesses creating wealth. The “difference” could be the reason why wealth seems to elude you no matter how hard you are working on making money.The irony is that if you are running after money, you may make some, and lose some. However, if you are focused on creating wealth, you will find that money will find its way to you, and what you build will keep growing in “value” with each passing day.Which way looks easier? You decide.If you are still reading, it means that you are interested in knowing about creating real lasting wealth, and are ready to explore the steps to creating wealth online.So here goes…1. Think it, Do it, Review itThis is a fundamental rule. If you are going to sit besides the lake, you will never learn to swim. If you want to learn to swim, you must jump in the water and find your way back to the shore.If you want to succeed in your online business, you have to create a plan, implement it, and then review what worked and what did not – and then repeat. Don’t sit on the fence with great ideas only to find that you waited too long to actually implement them, and someone else just made a cool million using the same idea.You need to identify the right SEO strategy for your online business, implement it and then review the results periodically. It’s surprising to see so many online business owners having no idea as to the strategies that are being used on their websites by SEO experts and why those strategies are needed. While there are no wrong SEO experts, there are SEO experts applying the wrong SEO strategies.2. What you see is what you getIf you don’t see it, then you can’t get it. Every great idea starts with a vision that is clear and focused. So if you can learn to see better, you will “get” better.If you want to succeed online, start with a vision that others can connect with and participate in. Invest your time in your vision till you have clarity about your focus and goals. You will have to learn how SEO works and invest your time in understanding the right SEO strategy for your business. If your SEO strategy lacks long term perspective and vision, it will probably fail to succeed.3. Choose the Level you want to play atThe next step is to choose the level of your communication. Do you want to exchange, connect, motivate or inspire your users? Is the quality of your product or service exceptional? Have you communicated this value to the users? Is your vision and message reflected in all your communication touch points with the users?If you want to succeed online, you have to know how to communicate with your users, engage them, and build their trust in your online business. If you are losing customers, it is because you are not communicating with them at the right level.Is your SEO strategy communicating your “vision” and “value” to your online customers, and then sharing that vision and value across diverse and relevant web, user and social communities?4. Ask and you shall receiveIt’s surprising how many people don’t ask for things they want. It’s probably because they feel they will be refused.If you want to succeed online, you have to learn to build a network of people who support you and your goals. You do this by being helpful to others in achieving their goals. But sometimes it’s as easy as asking someone to help you. You will be pleasantly shocked by the number of people who are ready to help someone with a good, clear vision and innovative ideas.You will have to learn how to ask, and how to reciprocate. If you have a vision, and you are focused on creating and sharing value, then it’s easier to ask someone for something you need. Is your SEO strategy innovative and can you ask someone to help you? How do you plan to help them back (And to clarify I am not taking about reciprocal and three way link building, which I prefer to stay away from).5. Invest more of your time, spend less of itIt’s easy to keep yourself busy all day with tasks, but to become wealthy you have to learn to identify which activities involve spending your time, and which ones are an investment of time. When you spend your time, you may get something, but build nothing worthwhile, but if you invest your time, the returns can carry on for a lifetime.If you want to succeed in an online business, learn to invest your time in activities that enhance self growth, health, investments, new learnings, creativity, your network; not just professional but also personal.For SEO, invest your time in high value activities that give long term returns. There are hundreds of web, user and social communities and you will have to choose the relevant ones you will participate in consistently.6. Invest more of your money, spend less of itDon’t spend your money on activities with short term focus. Invest your money in activities that will yield long and lasting results. Like most wise sayings, this one too is not followed. What you spend goes down the drain, but what you invest will keep growing bigger.If you want to succeed online, you will have to create a plan to invest your money wisely. There are various ways (SEO, SEM, PPC, Banners, Email Alerts, Newsletters, Videos, etc.) to spend your money online, but a few ways to invest your money wisely. Ensure your SEO strategy has a long term vision, and invest your money to turn that vision into a reality.7. Wealth is the beginning, not the endAll wealth starts with a great vision. If you put vision before money, you will never have lack of money, but if you put money before vision, you will always find yourself running after money, without managing to get a hold of it.If you want to succeed online, start by creating value and sharing that value. The real wealth starts way before the money starts to come in. If your SEO strategy is focused on value creation, participation and sharing principles then the results you seek will follow – the money will follow. Wealth is the journey itself, and not the destination.8. Sow, Nurture, ReapAsk a farmer about farming, and he will explain that one has to sow at the right time, nurture with patience, and then reap the benefits at the right time. Business is very much like farming.If you want to succeed online, you have to get in tune with your business/industry trends and cycles. Learn to sow at the right time (new products, services, new value), be patient and nurture your relationships/network, and be ready to reap the rewards. You cannot start with reaping the rewards without sowing and nurturing. Is your SEO and keyword strategy in tune with your business cycles? Are you nurturing your networks by providing value and participation? Are you reaping the benefits?9. Your passion is your compassIf you cannot wake up in the morning feeling excited about the day and work ahead, you are in the wrong business. Make passion your compass – wealthy people are often doing something they love doing, and have a natural flair for what they do.If you want to succeed online, do something you love doing. You will be amazed at the number of people who have made their niche businesses doing something that no one thought could make so much money. Could it be because they love their work? Either you find a SEO expert who loves his work, or find that love somewhere inside you.10. To know and not to do, is not to know it yetI know what I am doing. Then why are you not “doing” it yet! How often we wait on good ideas, new plans, waiting for the right circumstances, the right time? But if you plan to be wealthy, you will have to learn to create the right circumstances and the right time.If you want to succeed online, knowing something isn’t enough, unless you dive into it, test the waters, and review the results. At times, you may not enjoy the experience and things may not turn out the way you wanted them to, but still unless you do them, how would you know what works, and what does not?Be ready to experiment with SEO, what experts say works, may not work for you, and what experts say does not work, may work for you! Be prepared to fall, learn from your mistakes, and keep moving forward.11. Value is the river where wealth flowsThe key to wealth is to find the “value”. Unless there is visible value that you can show to your potential customers, there will be no visible wealth coming to you.If you want to succeed online, focus your energies on creating value, rather than running behind traffic/ rankings/ customers. If you are creating value and sharing that value each day, you are on your way to creating wealth.Is your SEO strategy “value” driven? If you are not creating value (content, videos, tools, surveys, case studies, resources, etc.), your SEO strategy stands a high chance of failing.12. Plan to failThe number of times you fail is not what’s important; it’s the one time you succeed that’s important in life. If you don’t plan to fail you will be disappointed and that will affect your work, but if you plan to fail, then you will be more careful with the risks you take.If you want to succeed online, then you have to learn to accept failure, more importantly learn from your failures. There are many stories of online entrepreneurs who failed at four to five online businesses before they succeeded. If you ask them, they will say that the failures laid the pathway to understanding success and creating wealth.13. Opportunities lie in every momentWake up and smell the coffee. There are opportunities that come your way each day – past, present and future. All you have to know is how to “see” them – if you learn to see better, you will get better.If you want to succeed online, you have to develop a keen sense for identifying opportunities. The online world if filled with opportunities for creating value, providing a service, selling a product, and making money. And it’s also filled with scammers, fly-by-night operators, and quick money schemes.An experienced SEO expert knows intuitively where the opportunities lie, and relies on hard statistical, analytical and forecast data before playing the next move.14. The key to leverage is how to use itOnce you discover leverage, you will be able to create “more” in the same amount of time. You do this by using the help of other people’s time and money. But the key to leverage is knowing how to use it without burning your resources/network out.If you want to succeed in an online business, be prepared to reach out to your network for help. Of course you also need to know how to convince your network to help you. If you don’t have a network, you should be building one right now. Your network can help you leverage your money. A good SEO expert has a solid professional and personal network and knows how to leverage the same.15. When you resonate, you accumulateWhen you find your vision and clarity, you find your wealth. When you find your wealth, you can focus on how to invest your time. When you invest your time, you create value. When you create value, your wealth begins to flow. When your wealth flows, you can use leverage. And when you leverage correctly, you begin to resonate.If you want to succeed online, you will have to create “attraction” – the right people, the best opportunities will come to you easily if you have created attraction. The attraction is the effect of creating unending value, driven by passion, and steered by clear vision. A good SEO expert knows how to create attraction and how to use attraction.16. You settle for your standardsThe life we create is not determined by the life we want to live tomorrow, but by the life we settle for today. We settle for our standards.If you want to succeed online, then don’t settle for less. Choose the right SEO strategy. Be consistent in creating value for your visitors and customers, and in sharing that value with diverse online communities. Be consistent in improving the quality of your products/ services. Be consistent in improving usability of website. Be consistent in monitoring results of your efforts periodically.Since SEO is a long process, it often takes a back burner in management meetings, and you are settling for less. Also watch out for SEO experts who are ready to settle for less.17. You are the result of your choicesOur choices make us! In life we often have to make a choice, and in selecting the right choice, lays the foundation stones of your success.If you want to succeed online, make your choices. Do you choose to be wealthy? Or do you choose to keep running after money? Do you choose to create value or do you choose to focus on numbers? Have you chosen the right SEO expert [http://www.seo-optimization-experts.com/google-seo-expert.html]? All these small decisions will pave your path to failure or success.18. The Zen GardenImagine your Zen garden. What do you want it to look like? If you don’t know what it looks like then you will possibility have a forest instead of a Zen garden. So your vision becomes the cornerstone of your success. The bigger the vision, the higher are the chances of it coming true.If you want to succeed online, see your garden, nurture your garden, and be ready to reap when the time is right. Neither Rome or your Garden will be built in a day; it’s the small steps of today that shape the future ahead

Once you retire and no longer receive the benefits of a group insurance plan from your employer it cannot be stressed enough how important senior health insurance is.At one time seniors were able to rely on government help for health concerns that become almost mandatory as a person ages. Medical services such as eye exams, dental care, prescriptions, hospital care and ambulance transport are no longer all available without charges based on provincial medical insurance. Although there are still some coverage for seniors offered by provincial plans, not everything is covered.At one time it was all so simple, however now we need to take notice and be aware of the situation regarding health care for seniors. To be part of a group insurance plan in the workplace is ideal, but in most cases when one retires,the group insurance coverage also ends. There will be millions of baby boomers retiring now and continuing into the near future, this means more medical services and needs within the senior population.Timing Be AwareAfter the age of 55, it is more difficult to get certain types of insurance, whether it be group insurance at your workplace, or health insurance from private sources that will cost more. After the age of 70 it is very difficult to find any private supplemental health insurance. As time goes by the need for supplemental health insurance becomes more important. Senior health insurance is more expensive in some situations because of the risks the insurance company consider could be involved, for example an extended illness of the insured costing many thousands of dollars, which the insurance company would have to pay, therefore such situations are considered and included in the cost of the policy. We all know that as we age our health becomes more of a concern, therefore getting adequate insurance for possible needs also becomes a concern.By using good timing and being aware, you can have supplemental insurance that will benefit you when and if you eventually need it. Once you reach the age of retirement, the government will take care of certain medical issues, however, they are limited and supplemental insurance should be high on your list of necessities for all the coverage you may need in case of long term illness, hospital coverage and medication. In addition, you may need long-term therapy, or in home recovery care, these are what supplemental insurance will cover. Speak to an insurance broker about health insurance products that are specifically designed for the needs of seniors. Some plans are meant to take over where the plan from your employer leaves off when you retire so you avoid having a gap when you are not covered.What you Should ConsiderWhen preparing yourself for retirement and that much-needed extra medical and health insurance, it is a good idea to consider the following:Different provinces have different plans and so you need to inform yourself on what is covered before you purchase supplemental insurance. When you buy supplemental health insurance, the older you are on application, the higher the premiums will be. Once you reach the age of 70 it will be more difficult, if not impossible, to find a supplemental health insurance plan. medical questionnaire and/or exam will be required to sign up for a health insurance plan. Your premium could vary depending on the state of your health.You do not need to buy everything offered; you can make choices on what coverage you want.You can get certain individual medical benefits insurance; or insurance that will cover a number of things such as eye health, dental insurance, hospital coverage and many other options.Whichever plan you choose, you will pay a monthly premium in exchange for those benefits that you have chosen.The Importance of Senior Health InsuranceBy the time we reach the ‘seniors’ word, our bodies have been ravaged by the wars of life, and sometimes harsh results are forthcoming, these are the times when we definitely need health insurance. Supplemental health insurance is specifically for those needs, the things the government medical plan does not cover. There are special types of supplemental insurance specifically for the senior population.
Seniors health insurance is an essential commodity. Speak to an insurance specialist about your options.

1. Leave it to the professionals. Children’s entertainers do this on a weekly basis. Entertaining frequently allows professionals to gain experience in children’s games and especially children’s favorite games. As a parent, you might have an elaborate agenda of games such as pin the tail on the donkey, musical chairs and any other games you may find at the party store. A professional, experienced entertainment company will have a wide variety of games for children to play that have been tested, played and approved by children!2. Jumpers are dangerous. How many parties have you attended where children have bumped heads, fallen out of the jumpers, been a victim of deflated jumpers, worried about “the older kids,” host or parents couldn’t enjoy a conversation because they are too busy looking out for their own child in the jumper? I rest my case!3. Mom and Dad should enjoy the party. Hosting a party is a lot of work. You want to make sure there is enough food and that everyone is enjoying themselves, especially the children. Planning and leading activities for children is draining in addition to duties of host. Hire entertainment to allow yourself to enjoy the company of adult guests, which you probably do not see often. You should enjoy the party you have spent time and money to plan.4. Kids like structure, even at parties! Kids don’t say it but they crave structure. By having professional children’s entertainers lead games, kids understand the rules, the objectives and are guided through activities. When there are winners, prizes and excitement surrounding the activities, kids love it and participate more! Some kids may not participate but they know what to expect so they have just as much fun watching and cheering for their favorite participant.5. Beginning and end to your party. As much as you enjoy planning the party and the priceless smile and joyous laughter from your birthday child, no one can blame you for looking forward to the end of the party. Hiring entertainment is a nice way to give a time frame to your guests without being rude. Give your guests an hour to arrive, greet each other, have a drink, eat some food then schedule your entertainment an hour after the party’s official start time. Entertainment can be 1-2 hours of playing games, face painting, balloon twisting, dancing etc. When the entertainment is over, do the cake, open presents and your guests will get the hint that all festivities are over.

So how long have you been thinking about the reasons why your business has not getting notified the way it has to be? If you have nailed down the reason as lack of marketing sources then here’s a relief bestowing solution to help you shoot up your business through marketing and advertising promotions. The answer is simple and right at your finger tip- online marketing.There are very few places left for the internet technology to invade on the globe. And in almost all the places where it has struck more and more people are starting to become its slaves comfortably. This addiction is simply due to the easiness of accessing the internet and helping yourselves achieve what you had wanted to get done within a matter of seconds. Internet marketing has a number of added advantages when compared to the traditional ways of promoting your business through marketing.The speed with which the targeted customers could be reached out to is remarkable. Emails holding the contents and information about your business and products could be sending to targeted customers online easily. This would be help you to communicate with interested customers and build a good relation with them. Online promotions could carry forth your business beyond geographical boundaries also as every nation has embraced the internet technology open heartedly. This is a huge bonus cum blessings for small business men to help them and their companies known to the rest of the world.Apart from the local customers whom you could easily and straightly meet up online marketing help you broaden your customer base across the globe. Small business online marketing is based on pull marketing strategies. This means it actually pulls or attracts customers who accidentally or specifically hit your online promotion site when they are searching for a product online.There are certain optimization techniques that could be carried out to help increase the number of hits your web site gets by search engine optimization. This is a feature that is available only for online marketing. Apart from this the modes of promotions could also vary when they are made online. There could be video demonstrations, catchy graphic posters, reviewing and comparing products etc in small business online marketing.Small business online marketing is especially beneficial for boosting your small business from the sales point of view also as customers could readily check the products listed online and compare their prices and buy them with the help of a valid credit card and bank account. The bought products could be delivered at their doorsteps through courier services or by other means of logistics. Online marketing also helps the business owner to update the customers with the latest offers from the company earlier than any traditional means by which they could be informed.Online business promotions are also helpful for remotely located customers to get firsthand knowledge about the company and the products. This definitely helps the business in the long run as more and more people would come to know about the business not only through the web site alone but also through tete-a-tete between friends and relatives who have had the online experience of buying products from the company. So why wait? Make it online and get your business on the run.

The Urban Indian’s lifestyle is changing fast. The burgeoning Indian middle class is the main target customers of the multinational companies. There have been many changes seen in the expenditure scale with the rise of reusable income in the young Indian’s hands.For example, if a person likes to purchase a refrigerator, he would have to save money for many months to be able to buy it. A person may also desire to go for a holiday trip, but he doesn’t have sufficient money to attain his aimed destination. He also might feel the necessity to use all the savings in purchasing a new house and at this time there is no anything left for beautifying it.At present, financial institutions can meet the terms of all the needs of a person by giving loans. Baroda makes personal loans much easier and hassle free. It significantly simplified the process of getting a loan. There is no need anymore for too many paper works. The system is efficient. There is almost no delay in disbursing money. Baroda plays fair. One does not need a backer to speed up a process. Everyone will be treated equally. First come first served.A personal loan is a universal loan for a person’s own use. Actually, this type of loan may be used for any reasonable purposes. This kind of loan is a single retail loan product provided by numerous banks. In Baroda the personal loans come in two forms. These are the secured and unsecured forms. Both secured and unsecured loans are given by banks to its respected customers. The major goal of such loan is to reach any sort of necessity or expenses.There are different kinds of personal loans offered over India especially in Baroda. These are Marriage Loans, Festival Loans, Consumer Durable Loans, Pension Loans, and Personal Computer Loans.Marriage Loans
Marriage loans help couples finance their wedding rites. It is becoming very popular today in both rural and urban parts. The maximum amount in this type of loan is depending on some considerations such as repayment ability of the borrower, security or guarantee provided by the customer and the borrower’s age.Festival Loans
The festival loans are granted to those who want to celebrate a certain festivity but lacks money. Festivals are held very important in India. Such loans are offered with a very cheap interest rate. It is very suitable to those people who like to have a small loan only. Here, they may repay before the due date but it is not tolerable to pay interest at the excessive rates. This type of loan is also offered from the amount of Rs. 5000 to Rs. 50000 and the loan is universally limited for 12 months only.Consumer Durable Loans
Consumer durables loans are the sole loans which persuades more customers. A person may purchase everything from Television to Refrigerator to Music players. The quantum of these types of loans differs from bank to Bank. But most Banks introduced loans from the amount of Rs. 10000 to Rs. 100000.Pension Loans
Pension loans are available to pensioners till the age of 70. The utmost amount of pension loan permitted is usually 7 to 10 times of the cost of last pension got. The cost is commonly diverging from individual to individual basing on his repayment ability.Personal Computers Loan
Computers have substituted manual work in every sector with the large growth of Information Technology in the cities of India. The idea of Personal Computer loans have been established with the developing needs of computers. Banks give a loan up to Rs 100000 for computer hardware and software. However, there are also some banks which give a discrete software loan to an utmost of Rs. 20000.

You have found the auto you forever wanted. A six speed manual transmission, a killer turbo V6 engine, and all the interior gadgets you demand to give the ultimate ride that you deserve. Now as having located your prized possession, how will you close the transaction? Will that be cash or will you be looking for financing? If a loan is your choice, let’s investigate how you can obtain the very best auto loan rate for your ride.A new set of wheels can bewitch you. Examine the cool head light covers, the awesome looking hood scoop, the sharp detailing. Oops! You nearly forgot: how are you going to pay for your new car? Unless you have been blessed with a pot of gold, this unnecessary answer will most likely indicate one thing: auto loan financing. Yes, like so many buyers you may have to turn to an auto financing company to see to it that you obtain your new vehicle.If you are purchasing a new vehicle, then your choice can include the auto manufacturer’s loan arm, a commercial bank or credit union, or an online auto loan provider. If you are purchasing a used vehicle, specifically one with low mileage, you may find that the number of lenders interested in financing your transaction to be much less. It is notable, the older the car and more miles on the vehicle, the more interest rate you will be required to pay.Irrespective of whether your buy applies to a new or used vehicle, you may like to take time to do certain online investigation to uncover the lowest offers handy. By thinking things over, you could save hundreds of dollars in interest charges per annum. Yes, you could lower your monthly payments by $20, $50 or more with some alert auto loan shopping on your part.Certain things to look out for include:Loan term – The shorter the loan duration, the lesser the interest rate; the longer the loan term, the higher the interest rate. Search for the very best auto loan rate to go fit your budget.A low, fixed rate – single digit financing is still possible – even with a used car. If your used auto is but a few years old and it has low miles then you could qualify for the best auto loan rate.Your credit history – The higher your credit rating, the lesser your interest rate should be. Accordingly, you may want to bear in mind running copies of your credit report and getting your credit rating before applying for a loan. Should you have an average or poor rating you will have to settle for a higher interest rate for your auto loan. In some circumstances you may only be eligible for a bad credit auto loan, noticeably if you have a spotted credit history.Remember these things when you shop for the lowest auto loan rate and you will save cash and a whole lot of hassles. You can finance your new car with an interest rate that just cannot be beaten!

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.