It would be GREAT if our government could successfully manage American’s Health Care needs. I would be all in if the government guaranteed good health for everyone, and they were even remotely qualified to make such a guarantee. The truth is we all face different health issues at different ages. The recent health issues I faced were handled by doctors, hospitals, and nurses. I had made poor food and exercise choices and suffered a stroke because of those poor choices. Health professionals guided my recovery and no person from the government or from the health insurance company ever visited me while I was hospitalized or in recovery. The task of defining what a health care system looks should be determined by you and your doctor, not the health insurance companies, government, and lawyers that are currently the face of our health system.The government, i.e. politicians, claim we all need health insurance, but who will pay for the premiums, co-pays, and not-covered illnesses and accidents? Will everyone enjoy good health because they a health insurance policy? Will everyone’s health insurance be free since the ACA has mandated everyone own a policy regardless of their individual health needs or financial position? Basically, at gun-point, ‘rhetorically speaking,’ the government is forcing everyone to purchase health insurance? If legal, where will the money come from to pay the health insurance premiums, or the health professionals who diagnose our illnesses? Where will the money come from to finance the equipment needed to diagnose and/or treat our health needs? Where will the money come from for the buildings needed to house the equipment and the facilities for the infirmed? These are just a few of the questions I have for those who profess the government should be responsible for our individual health needs. The last time I checked the government didn’t have any money to pay for anything unless they taxed you and me to get it.What, you mean we already have a government-run health care system? Is that why my taxes are so high? Is that why I read in the newspaper recently that the government is paying millions of dollars every year for fraudulent health care claims? Is that why doctors are leaving the government-run health system for the more efficient private practices? Is that why the government is making criminals out of Americans who would rather not purchase health insurance policies? Golly, I hope the government does a better job of running Obamacare than they did managing health needs for our veterans through the Veterans Administration.
Direct marketing delivers your marketing message directly to a group consumers or businesses on a personalized level (such as a telephone call or via a personal email message). It’s a form of marketing that provides the recipient with a direct call to action. The following are the three main types of direct marketing.Mailing Lists
Direct mail is one of the most common forms of direct marketing and an essential part of an integrated marketing campaign. Companies promote their products and services with a provocative mailer. Direct mail campaigns provide your prospects with a tangible piece of mail to read at their leisure. Direct mail campaigns are extremely effective and when they are personalized and customized to a specific target audience can have great response rates.Telemarketing Lists
Telemarketing is the process of calling prospects on the phone to promote your products or services. This can be done using your own sales staff or by subcontracting out to a call center. Telemarketing is vital in creating brand recognition, building customer relationships, nurturing leads and of course, closing sales.Even with its bad reputation, telemarketing still plays an important part of any direct marketing campaign. Telemarketing is personal and interactive, and capable of providing an immediate response. As effective as telemarketing is, you need to be sensitive to your prospects’ willingness to receiving unsolicited phone calls.Telemarketing campaigns work best when the telemarketing lists are highly targeted, with accurate data that matches your current customer’s profiles.Email Lists
Email marketing is an effective way of reaching out to new prospects or following up with existing customers. Email marketing is extremely versatile, and you can easily customize your marketing messages to various market segments, or for prospects in different stages of the sales funnel.Email marketing can be used to nurture customer relationships, provide company and product information, drive website traffic and to promote direct sales. The emails can be as elaborate or as simple as needed.Most people check their emails on a daily basis, making email a very effective marketing method for your business. However, email marketing should be used responsibly, and it is extremely important to have your customers’ consent before sending emails.The most successful direct marketing campaign will use a mix of marketing methods. Repetition is very important in any type of marketing efforts. The more you can get yourself out in front of prospects, the greater the chance of being remembered. Try a direct mail campaign with a telemarketing follow-up or an email blast in conjunction with a direct mail campaign. A Multi-Channel campaign also allows your prospects multiple ways to communicate back to you.Regardless of the method, the key aspect in any direct marketing campaign is the ability to target the marketing message to a specific audience. With properly defined target market, you can deliver your message directly to those who have a greater probability of purchasing from your business. This allows businesses of all sizes focus their marketing budget and resources where they’re most likely to get results.It’s very important, before starting any direct marketing campaign, that you understand the different regulations governing each method of communication. The responsibility is yours to make sure you are compliant. Legitimate list brokers and managers should be able to confirm that the lists they are providing comply to the various rules and regulations. If you are uncertain, do not hesitate to ask.
When the 2010 Patient Protection and Affordable Care Act became law, it changed the way health care was provided for millions of Americans. The health care reform law made several changes in the health insurance industry, but not all of them were intended.One of the unintended changes in the insurance market involved child-only health care policies. In Georgia and other states, as the Affordable Care Act took hold, insurance companies stopped offering this type of healthcare plan.Child-only Georgia health insurance plans are usually bought by parents who have an employer-provided health plan that does not include dependent coverage, or has dependent coverage they just can’t afford. Sometimes these plans are bought by parents who can’t get health coverage for themselves due to health reasons and still want to provide coverage for their children. And sometimes, these are bought by parents whose income does not qualify for their kids to get coverage under Medicaid or PeachCare.How Did The Affordable Care Act Affect Child-Only Policies?One of the mandates of the act is that no children with pre-existing conditions can be denied health coverage. In response to this mandate, insurance companies in various states, including Georgia, stopped offering new individual plans that only cover children.According to the insurance industry, under this new requirement, parents could postpone getting health care coverage for their children until the kids were sick. The industry said that this would cause a rise in unprofitable health care plans and skyrocketing expenses for the insurance companies to budget.Will Child-Only Georgia Health Insurance Plans Return?An increasing number of states have made a move to address the loss of availability of child-only health care policies, either through legislation or regulation.In Georgia, House Bill 1166 was presented to address this problem. HB 1166 plans to restore these child-only health policies that can be offered by the private Georgia health insurance market.Legislation recently passed the House Insurance Committee that would require Georgia health insurance companies that sell individual health coverage to also offer child-only health care plans during an open enrollment period. The bill would permit insurance companies to impose a surcharge of 50 percent of the premium if a child has been without health coverage for more than 63 days prior to the application for coverage. By doing so, this will motivate parents to keep their children insured and not wait for their child to get sick before getting a Georgia health insurance plan.According to Graham Thompson, executive director of the Georgia Association of Health Plans, the healthcare insurance industry has signed off on the legislation.It was Cindy Zeldin, executive director of Georgians for a Healthy Future, who pushed for the bill. She said that fixing up this unintended consequence of reform is relatively easy. This will help kids get the Georgia health insurance coverage they need since having health coverage is very important. Hospital admission records from 37 different states all showed the dire consequences of not covering children with health insurance. Regardless of the hospital where they were admitted, children without health insurance died 60 percent more often than kids who were covered. The reason for admitting them to the hospital did not alter the outcome, either. Children without health care, like adults, died more often even in the hospital. Zeldin also added, “It’s unfair that some parents are willing to pay for healthcare coverage for their kids, and it’s not available.”The bill just covers one year (2013) since the problem will be taken care of by 2014 when federal health care reform will be totally implemented. By then, the new state-based Georgia health insurance market should be up and running with new Georgia health coverage options.
I read a recent story by Gene Sloan on USAToday.com website about cruise ship entertainment, and who had the best. The three ships compared were Royal Caribbean’s Allure of the Seas, Norwegian Cruise Line’s Epic, and Disney Cruise Lines Disney Dream. These are the all new ships that set sail in the past six months. They’re all competing for your cruise vacation business.Norwegian’s Epic boasts some impressive entertainment, including Blue Man Group and a dinner show under the big top, Cirque Dreams & Dinner. Royal Caribbean has a Broadway show, Chicago: The Musical, that remains faithful to the original, and their open-air Aqua Theater show, OceanAria, a highly-choreographed water show featuring high divers and a 17-foot deep pool, the deepest at sea. Disney Dream has a trio of Broadway-style musicals, including Disney’s Believe, with appearances from well-known Disney characters. They also have animated characters in their kids clubs that converse with children, and a ship-wide detective game hosted by Goofy. Disney’s Buccaneer Blast is a fireworks display (the only cruiseline to feature fireworks at sea).These new ships bring shipboard entertainment to a whole new level. I’ve been on cruise vacations, and have seen some very good entertainment while onboard. It’s part of the charm of a cruise…I can be wined and dined without having to worry about parking or the weather outside. I can eat dinner, and then make my way to the theater early enough to get a good seat. With these new shows available, I can now make my reservations in advance, and be assured a seat. I can be wowed by Broadway production shows…or feats of daring by high-diving entertainers. Young children can be entertained by family-friendly stage shows, or play detective with Goofy.Whether it be the most spectacular production show, most kid-friendly entertainment, most eye-popping entertainment, or the biggest party at sea, in the end, we all win. We win because we have a choice. We don’t have to watch the same show we’ve seen in the past. The old Broadway Revue shows are now put on notice…entertain us…step your entertainment up a notch, or we’ll go where the shows are. We’ve seen the best, and will accept nothing less. A client of mine recently returned from a cruise vacation aboard the Celebrity Solstice. He raved about the food, the service, the ship, it’s amenities, the spas and restaurants. He was excited…until he told me about the entertainment. He said he was extremely disappointed with Celebrity…and had seen better high school musicals. Ouch…that hurts. Celebrity will need to invest in their entertainment budget if they want to attract repeat clients, as second rate entertainment doesn’t cut it with consumers. There are too many other cruise lines out there competing for your business, and the bar has been raised. Expect to come home from your cruise on these new ships entertained and wanting more.Patti Maxwell
Call it ram centric ERP, ram centric computing, seamless workflow, workflow ERP, seamless workflow ERP, seamlessly integrated accounting system, or unERP, all of the descriptions fit.Regardless of what we call it, it represents the most commanding change in information systems in the past 40 years. Businesses can now have the simplest, most powerful seamlessly integrated ERP system ever to be offered in the North American marketplace. Unmatched for its corporate consolidation characteristics, this ram centric ERP seamlessly consolidates all of a company’s data as well as the management team that runs it. Everyone works from the same data so everyone is on the same page. Ironically, the features that so nicely consolidate the entire company also promote geographic expansion and operational diversity like no other ERP system has ever done before.Promoting pristine data capture, the recording of every transaction captures the who, what, when and where of every thing that happens, the complete set of data characteristics required to analyze virtually anything you will ever need or will ever want to know about your business.The following list forms a brief summation of the primary items of interest. As you read through the list, we encourage you to stop and think for a moment about each item. Think about what each item might do for your company. Think about the time saved, the ease of use afforded by each item, and the savings afforded by each. Many of the items listed will be new to you. As a result some of the items will also appear meaningless, but only because it is new descriptive of new concepts in ERP system design and processing methodology. The impact of each and every one of these items is significant and the sum of all is nothing short of colossal.We have grouped them into four categories. Please think attentively about each heading as you read each line on the list of items associated with it1. The factors we eliminated that the ERP and Information systems industry takes for granteda. Integration services
b. Annual and or bi-annual modular updates
c. Long and/or otherwise excessive installation times
d. Source files for internally created data transactions
e. History files for internally created data transactions
f. Successive/multiple screens for data entry of a single record
g. Annual, general systematic data removal2. The factors we have reduced well below the industry’s standard.a. Implementation and Operational Complexity
b. The Numbers of detail files required for semi-static summary files may be as low as just three in total – inventory, general ledger and payroll YTD.
c. Update programs to move corporate transaction data from source to active files as we have come to know them have all but disappeared and then in only rare circumstances
d. The number of update programs to move data details from active to history files has been highly reduced because the entire concept of traditional history files is eliminated
e. The numbers of programs required to update summary database files such as general ledger, inventory and employee payroll is reduced to just one.3. The factors we have raised well above the industry’s standard.a. Data quality
c. Ease of use
d. Use of multi-use and multi-function procedures and processes
e. Consistency in corporate database structure
f. Consistency in data maintenance methodologies
g. Universal consistency in screen design and drop down boxes
h. Utilization of disk space
i. User training
j. Flexibility of vertical applications (all in a single database)4. The factors we have created that the industry has never before offered.a. Single point consolidation
c. Soft Step Diversification
d. Unlimited accounting ledger definition
e. Natural workflow
f. Natural workflow plug in
g. Ram Centric data access
h. Ram Centric user tools
i. Ageless data storage
j. Dynamic user mapping
k. User independent, bi-directional horizontal, and vertical tracking audit trails
l. User assist help-yourself help textThis may be an uncommon way to define ERP software but obviously, iNfinite Answers is an alternative product and service, an alternative to typical off-the-shelf accounting modules and an alternative to typical ERP systems. iNfinite Answers is designed to drive for efficiency, productivity and innovation in service companies, fabricators, light process or job cost manufacturing and all manner of construction. Due to its highly generic nature and ability to rapidly adapt to new environments and uses, many more niches will be discovered.Several pages have been written about many of these topics and are presented in our public access web site. The benefits of each item are frequently shared by other items. In fact, some items cannot exist without others but the most significant of all is where we started at the first of this presentation.define ERP software
Anyone can start a business online, but building a profitable online business is another story. You have your product or service. You know it’s good. You want to let the world know it’s good so that you can start raking in the rewards for this great product or service that you are offering. But how do you move from having a product to having a profitable internet business?Your new online business needs exactly what a real-world business needs – advertising and customers. Having a great product and or a hot niche is great, but the most important consideration for being successful and building a profitable business online is your marketing and advertising.Think about it through the example of selling in the offline world. How does that local grocery store let customers know that the food items that they have are on sale? Well, they send out flyers to customers. They advertise on television. They advertise on the radio. They do this all in an effort to let prospective customers know what they have because they know they’ll want it. Having a business online requires the same dedication to advertising.The practice and theory in finding customers is the same for a business online only the advertising process takes a little learning on the part of the businessperson. On the internet you need to advertise your business and generate traffic that will visit your sites on a regular basis. You need to not only create great content to entice and keep the customers you find coming back to purchase your products time and time again, but you need to advertise and promote yourself as well.The days of internet anonymity are over. You need to get your name out there so that people that are doing a search online come up with your name first in their searches. You need to create a following of customers that know, like and trust you outside your business. The only way to do this is by creating and advertising your personal brand alongside your business and products. Your potential customers want to trust the people they purchase products from and they want to know your name.So how do you do all of this? Buy marketing not only your product but yourself as well. Building a profitable online business is really building and promoting two products at the same time – the business that earns you profit and your own personal brand. The same traffic creation and business building tasks you use to advertise and promote your business should be used to build your own personal brand as well.The person behind the online business is just as important as the products you sell. Take the time to build your own personal brand and advertise that persona just as much as you advertise and promote your new business online. You’ll be surprised to discover that new customers flock to you and purchase time and time again because your business has something special – it has you.
In a country like the UK, the type of loan that can be borrowed from any bank or other lending companies with a clear agreement of how it will be re- paid (preferably at the end of every month) can be described as a personnel loan. If you qualify for one, you should make the effort to pay every month-end as agreed, or else your property may be repossessed. The amount you will be paying monthly to the bank, building society or any other institution that you have gotten the personal loan from should include the interest that was initially agreed. The amount that you are able to borrow mainly depends on whether you are able to pay back comfortably, or may depend on what the lender wishes to lend to you.Personal loans can either be unsecured or secured, and can be used to develop your business, purchase a new car, go for holidays or improve your home. When it comes to personnel loans, you will notice that the increase in financial institutions that are offering this type of loan is causing a lot of finance-related problems in the market. This is not to discourage people from going for personnel loans because every problem has a solution. To be on the safe side you have to be absolutely sure about the institutions that you are borrowing the funds from. This is important when going for a personnel loan because many dubious institutions are willing to take advantage of you if you are not informed.If you have a clean credit history and collateral (such as property or a business) to back you up then you will have no problem when it comes to getting a personnel loan, as long as the personal loan is from an established institution that has a solid record of good loans, conditions, and customer relations. If you badly need a personnel loan, then it is very important for you to first of all understand what personal loans are all about and in case you do not know, then hiring a financial advisor is a wise move. You should also not be afraid to check out different lenders that would be willing to offer personal loans. If you are in an area where you cannot access actual banks or other lending institutions, it is good to know that you can also borrow from them loan online.You should seek out a lending institution that truly caters for your financial and personal needs. Personal loans usually come in handy when you are experiencing an emergency because they are not complicated at all, although it is also good to know that personal loans are usually unsecured. A personnel loan is usually small, with most lenders usually limiting the personal loans that an individual can be issued with to $15,000.If you are interested in taking out short term personnel loans, then you should clearly have your facts right: in this case, the best types of loans are cash loans. There are basically three types of these personal loans which include cash advance loan, cheque loans and deferred deposit cheque. The interest rate of the loans is dictated by the type of cash loans that you are going for.
If it is your intention to buy a new car online it is also wise to shop for the best auto loan financing available. The Internet has made it easy to find an auto loan online. There are many sites that can compare rates from multiple lenders who will let you apply for your auto loan online that can help you find the best auto loan for your situation. Whether your credit is good, bad or even non-existent, you can save money by shopping for your auto loan online.You can go to individual dealers to apply, but this is time consuming since you have to apply one at a time and still might not end up getting the best auto loan. By going to a site that can check a variety of lenders, you are more likely to find a car loan online that is perfect for your situation. When you shop for a car loan online, you will get several offers. They will vary in terms of length of loan, payment amount, interest rate, and down payment required. Just find the one that is the best loan for you when all variables are considered and your financing problems are over.Some of the sites that let you apply for an auto loan online work with a specific network of dealers. Once your loan is approved and you have selected the best auto finance deal for you, you would go to a dealership in your area to choose your car. Should they not have a vehicle you want you can always move on to the next dealer who offered you a car loan online. Other sites are basically clearing houses for various groups of lenders. These types of sites will offer you auto financing online that is not tied to any particular dealer. Instead, they will approve you for a set amount that can be used at any dealer subject to certain restrictions, such as the accepted value of a used car. These are often the source for the best auto finance deals.When you apply for a car loan online, be sure to complete the application completely and accurately. Do not give any misleading information about income, length of time at the same job or address, or your current debt level. Just because you are completing your application for auto financing online, this does not mean that they will not verify the information. They will, and if they think you deliberately falsified information, it can hurt your credit rating, which will make it impossible to secure the best auto financing now and possibly for several years to come.If you think your income to debt ratio is such that you cannot qualify for auto financing online or receive favorable terms to obtain the best car loan, find out how you can remedy the situation. If the problem is too many credit cards, try to pay some of them off and maybe close some of them before you apply for your auto loan online. And if the problem is a lack of income, you might try taking on a part time job to help you secure the best car loan terms.Finding an auto loan online is just a matter of a few clicks. Compare all of the offers and then select the best auto financing options for your situation. Soon you’ll be driving in style, with the best deal you found by getting your auto loan online.
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.
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.
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).
By Rob Isbitts
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.
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
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)
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.
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.
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.
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.
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
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.