The Fashions and Designs of Women’s Hoodies

Today’s hoodies for women are far from the baggy, shapeless and predominantly black items we have been used to seeing on teenage boys. Now there are womens hoodies in all the top designer ranges, in a rainbow of colors and a multitude of stunning designs. There is no excuse for any woman to not have a hoodie or two in her wardrobe.There are hoodies in velour, silk and cashmere. Juicy Couture makes a whole range, with and without logos in short or long sleeves, including a style with a peplum. Kritik make some bright terry hoodies which team with matching shorts as beach and vacation wear and Pencey make a faux fur hoodie which is positively elegant.One of the hottest designs at the moment is the Kamikaze womens hoodie by Ed Hardy. Ed Hardy’s designs are celebrity favorites and can be seen on Miley Cyrus, Britney Spears and Ashley Tisdale. Online urban fashion stores stock all the well-known brands.Bench makes a beautiful soft grey cashmere mix hoodie with cutaway shoulders and Diesel has an attractive lightweight hoodie with crochet trim.A fresh idea in womens hoodies is hoodie dresses. These are just a longer length version of a pull on hoodie, though usually with short sleeves, in soft jersey fabric that can be worn as a mini dress. Worn over opaque tights or slim fitting jeans tucked into slouch boots these hoodie dresses are a fashionable addition to a young woman’s wardrobe.Among the newest bejeweled hoodies, as worn by Paris Hilton, are those of the Twisted Heart brand. Fantasia is a richly embellished hoodie with the gothic looking heart design on the back set with many tiny beads. Their Tropical Soul hoodie has silk drawstring ties and brightly colored beads in a heart design on the back. Whilst the Twisted Anchor hoodie has a nautical feel with flared sleeves, and an anchor motif in rhinestones.For teens and tweens, Hannah Montana hoodies are all the rage. All the girls want to look like their idol from the hit TV show, Hannah Montana played by Miley Cyrus. The show has been enormously successful and launched Miley on her singing career. Girls love the style of clothes Miley wears in the show and Disney has produced a range of fashion clothing based on her character. There are a number of different hoodies in the range, with sparkly metallic accents, and with a picture of Hannah emblazoned on the front.For older girls and young women who like to cycle, Rockstar’s ladies zip hoodie features a cozy fur-lined hood and an attractive grey and white stripe design with the double R Rockstar logo. Far too nice to wear on a bike this would make a great casual coat worn with leggings or jeans on a chilly day. If you are into snow sports the Roxy hoodies including the Roxy Porter hoodie is made from eco-friendly fabrics with a warm sherpa lined hood, perfect to keep you warm whilst looking totally cool.

Natural Ethnic Skin Care: What You Need to Know

Long known, is the fact that there are very few natural ethnic skin care products in the mainstream cosmetics industry to address skin of color properly. Seems almost everything formulated for our skin in the ethnic market is either too drying, too irritating, too greasy, or just plain too ineffective.What makes some formulators of these products think these type of products are going to help our skin? One would wonder what they were thinking. Is there any hope?It is extremely pleasing to say ‘indeed yes’, there is. Start using natural ethnic skin care products. Stop using toxic products. We know just how sensitive our skin is, so the first thing we need to do is avoid chemical-laden skin care and personal care products like the plague.These types of products can prove to be devastating to our skin in many ways. Unfortunately, these products were saturating and even dominating the cosmetics industry for quite some time.In both the ethnic personal care market as well as the mainstream personal care market, there’s a lot left to be desired. By now, you probably have a good idea why it is not recommended to use most mainstream personal care products for sensitive skin of color. Not to worry, natural personal care products are the answer.Natural Skin Care: Herbs Make the Difference for Ethnic SkinWhen it comes to natural skin care, herbs contained in products can have a very positive impact on ethnic skin. There is a fundamental difference in the way herbal skin care and conventional skin care works.Herbs themselves, contain not only single active constituents, but many active constituents that provide necessary nutrients to the skin. These multiple compounds acting together, can more effectively address skin problems from every angle.Remember, plant cells and human cells are very compatible. What does all this mean? It means that herbals treat not just the symptoms, but the underlying cause of any existing skin or health condition more effectively.It is well-known that herbs are more gentle in nature, on not only the skin, but the body as a whole. This can be attributed to the fact that herbs have been extracted as naturally occurring substances. Herbs are gentle and do not produce any major, toxic side effects on skin.This is especially beneficial for skin of color, as it is more reactive by nature than most other skin types and needs both the gentlest, and most effective treatment. Make no mistake about it, herbal skin care may be gentler, but this does not mean it is less effective. You’ll be pleasantly surprised!Remember, 60-70% of what you put on your skin has the ability to penetrate your pores and eventually end up in your blood stream. If you are going to use products to address your skin condition, why not use something naturally healthy as well?Natural products either purchased or home-made from natural ingredients, should be the preferred choice before conventional personal care products are sought after from the mainstream cosmetics industry.Herbals vs. Modern Drugs in the Skin Care IndustryModern drugs contained in mainstream or conventional skin care products (including benzoyl peroxide, salicylic acid, kojic acid, etc.) are manufactured in laboratories and then produced in mass quantities in factories.Before reaching the general public, these drugs are tested on a large number of users. The knowledge that forms the basis of the conventional or mainstream skin care industry is based on experimental findings and observations.To that extent, herbal treatments are also supported through years of fact-based evidence that has accumulated over generations and across cultures, thus their value is well-known.The unfortunate fact is that the approach to testing herbal beauty remedies has not been as thorough and rigorous as the testing that is seen in the mainstream beauty industry.So much money has been put into funding the analysis of modern drugs (also contained in many skin care products) that they should be able to produce evidence for the benefits of herbal treatments. In the modern drug and personal care markets, it’s all about the money.It is much less cost-effective for mainstream cosmetic and skin care makers to produce active, natural and organic skin care products than to produce unnatural and even unsafe ones.Remember that herbal treatments are different in that they are a complex mixture of a variety of active compounds. These active compounds work together to heal skin more effectively and are difficult to separate making duplication and measurement a difficult task for the mainstream formulator.One Word of CautionWhen selecting herbal ethnic skin care products for our dark skin, we must still be cautious for our skin’s sake. Beware of companies who tout themselves as offering you so-called ‘natural’, ‘herbal’ and ‘organic’ skin or hair care products and they really are not!When it comes down to it, there may be tiny amounts of only one, two or maybe even three organic and/or natural ingredients in the entire product followed or preceded by a host of chemical ingredients such as coloring agents, preservatives, stabilizers, thickeners, PH balancers, fragrance and such. Please read labels carefully. Avoid these products. Your skin will thank you.The Bottom LineDark skin types should be treated with the thorough understanding of our skin’s characteristics, strengths, and weaknesses. Once we understand this, we can treat it more effectively with natural herbs and avoid the recurrence of excessive skin problems. We can start by becoming more educated about our beautiful dark skin (you are because you’re reading this article).First, avoid unhealthy and unnatural skin care products, incorporate more fresh, nutrient rich foods in our diets, and use natural ethnic skin care products designed for ‘us’ (even if you have to make your own). You’re on your way!

Getting Certified in an Online Pharmacy Technician School

To become a Pharmacy Technician, a certification program at a State Licensed School is required. Some schools may require you to have a High School Diploma or GED, but most will only require you to take an entrance exam. This is to ensure that you are at the appropriate educational level.Pharmacy tech have more duties than a pharmacy aid and there are more opportunities in this case. This is another reason why more and more people chose to apply for pharmacy tech education. It is also important that when you complete the courses of a pharmacy technician school you also pass an exam and get your certification. This way it will be much easier for you than for other to get a job. This kind of work is needed because of the increase in population and because of the growing number of the hospitals.Certification with the National Pharmacy Technician Certification Board (NPTCB) can increase your pharmacy technician salary. Salaries will also vary depending on the work setting. For instance, the Bureau of Labor Statistics reports that those who work in general medical or surgical hospitals will earn an average of $12.32 per hour, while those working in a department store pharmacy will make an average of $9.69 per hour.According to the Bureau of Labor Statistics, as of May, 2008, Pharmacy Tech earn $19,270 to $39,480. The median salary is $27,710. According to the American Medical Association (AMA), the average annual starting salary for a Pharmacy Technician is $19,000. For more information on Pharmacy Tech salaries, visit this link on the Bureau of Labor StatisticsEmployment for Pharmacy Technicians is expected to increase much faster than the average through 2016. Job opportunities are expected to be good. This is due to the increasing elder population who use a large amount of prescription medication. In addition, as scientific advances continue for treating conditions, more Pharmacy Tech will be needed to fill a growing number of prescriptions.How can I find a good online Pharmacy Technician school?*Compare programs at different schools and remember that programs vary in length depending on location, cost and course of study.*Consider visiting one or more schools and request free information.*Search online for Pharmacy Tech schools in your area using your zip code.*Consider studying online and completing your studies from home.For those pursuing a career as a pharmacy tech, coursework in biology, chemistry, health, and mathematics is recommended, but not required. Areas of study include medical and pharmaceutical terminology, pharmaceutical calculations, pharmacy record keeping, pharmaceutical techniques, and pharmacy law and ethics. Although not required, certification is offered through the National Pharmacy Technician Certification Board. Nevertheless if you graduated any pharmacy tech school you do not have the same chances to obtain a good job as you would have if you get a certification too.

Good Nutrition Starts at a Cellular Level

If the cells lose even the smallest amount of ability to produce energy for the body, the result is a decline in our general health and the emergence of sometime multiple degenerative conditions.Healthy cells produce our “vitality” – the body’s healthy energy level and natural resistance to stress.The big question becomes, how do we make sure our cells are working at full throttle on the energy front? Fortunately, maintaining healthy cells is fairly simple as scientific research shows that good nutrition is the key.Cells and energyWhat we eat can affect our cells and their efficiency in producing energy. The mitochondria or the “power plants” of the cell each contains a unique pattern of DNA, and their job is to facilitate cellular respiration, a process through which they transform oxygen and nutrients into energy and water.The finger-like folds in the mitochondrial inner membrane contain the respiratory “chains” where this process takes place.Unfortunately, oxygen, which is needed for this process to occur, is toxic to biological molecules and cells. That means that all processes involving oxygen, including cellular respiration, creates free radicals as a by-product.It’s just a consequence of normal metabolism, but these free radicals tend to oxidize biological molecules, just like iron oxidizes when it rusts. Over time, this oxidation can damage the cells, and halt cellular respiration, leading to the death of the cell.The body’s defense against this toxicity is to use antioxidant molecules against the free radicals.The body however, does not always get it right, and sometimes it is not able to produce enough antioxidants for the job. The result is that free radicals move around freely, ravaging the body’s proteins, fats, and DNA/RNA. The body will remove and repair some damaged macromolecules, but often the sheer overwhelming number of free radicals brings the repair system to its knees.Oxidative stressIn 1956, Professor Denham Harman came up with a theory that postulates that as we age and the oxidative damage the body has sustained over the years takes its toll, the level of oxidative stress rises.This means that oxidative damage increases over the course of a lifetime and accelerates in old age. At that point, we tend to see the occurrence of degenerative diseases, and obvious signs of ageing.Oxidative stress and chronic degenerative diseasesToday, scientists and doctors widely agree that oxidative stress figures prominently in eye problems such as cataracts and macular degeneration, atherosclerosis and heart disease, cell mutation and cancer, all kinds of inflammatory conditions, as well as brain and nervous system conditions such as Alzheimer’s disease.Neutralizing free radicals and disease preventionSo how do we reduce or prevent free radical damage to the cells?If oxidative stress increases when antioxidant defenses are compromised and free radical levels rise, surely we can decrease oxidative stress by improving the body’s antioxidant defenses and reducing the number of free radicals floating around the blood and tissues.Optimal cellular nutritionThe experts agree: Optimal cellular nutrition is the best way to boost the body’s natural defenses.This involves providing ALL nutrients to the cell at optimal levels, and allowing the cell to decide what it does and does not need.This way, we can ensure that there aren’t any nutritional deficiencies – because nutrient levels will automatically be corrected within a few months of regaining optimal cell nutrition.This seems easy enough, but one question still unanswered is: Which nutrients are needed for optimal cellular nutrition?Basically, it means giving your body all the antioxidants in addition to the supporting B vitamins and antioxidant minerals.It has been noted by some researchers that the recommended daily allowance (RDA) of each nutrient may in fact not be enough for our cells to prevent many health conditions. The RDAs are old, determined during the WW years, and apply to minimum nutrient intake to ward off deficiency diseases common back then. As a result, they don’t take into account conditions such as chronic degenerative diseases, which occur more frequently today.Optimal levels to prevent degenerative diseaseToday, the optimal levels of nutrients known to provide health benefits are much greater than the recommended daily allowances: eg: some studies show that the optimal level of vitamin C is approximately 1200 to 2000 mg daily, the RDA is only 60 mg.Because the enormous amount of fresh vegetables and fruit we would have to eat to obtain these new levels of nutrition is unmanageable for humans, the best, and most logical way to get optimum levels of vitamins,minerals and other nutrients is to take a good quality supplement.Think of cellular nutrition as a very wise way of using the supplement and your food as “preventative medicine” to stop the disease process before it even begins.It is a Myth that If I have a healthy diet, I do not need to take any supplementation.In fact, it is proven that if a large group of people were to follow the exact same dietary lifestyle & exercise program, a percentage would still suffer from high or low blood pressure, high or low blood sugar, or high or low stomach acid, while others could develop arthritis, cardiovascular disease, cancer, mental illness, or other medical conditions.Most nutrition-related health issues in Western society are not caused by nutritional deficiencies, but rather nutritional imbalances, which will negatively affect cellular nutrition and are responsible for many common medical problems in older people, while metabolic disorders can cause nutritional deficiencies following the malabsorption of certain nutrients.When we analyze people living to a ripe old age in reasonable health without the need of supplementation, we find that they had a lot of odds in their favor: good genes and a lack of factors that tend to upset the biochemical balance necessary to maintain good health. Anything upsetting the cellular nutrition balance will do one of three things: shorten someone’s life, worsen its quality, or require compensation through extra nutritional support or drug intervention.The difference between people who take nutritional supplements (that match cellular nutrition requirements), and those who do not can always be detected in the way the body handles a crisis/trauma. If you look at younger people in a crisis situation, they simply tend to handle various medical situations better, or recover faster than older ones. This would suggest that by ingesting the correct nutritional supplementation we could in fact be lowering our biological age

Nutritional Supplements – Should I Take Them?

Lots of people take nutritional supplements to bridge nutritional gaps in their diet or as proactive health measures against certain health conditions. Are you sure you are taking the right nutritional supplement specific to your health needs? Taking some time to assess your health needs can help you choose the best supplement for optimal health.But your question may be more basic: Do I really need to take nutritional supplements? We live in unique times. Stress, pollution, conveniently accessible processed foods, unhealthy eating habits and sedentary lifestyles overtime can take their heavy toll on our health. This may manifest itself in bouts of tiredness, unhealthy weight gain, digestive problems, insomnia, or a weak immune system. In addition to these common symptoms of poor health, each of us has uniquely individual health needs.Taking care of your body today is like investing in your health for tomorrow. Let’s address some common reasons why many people do not take nutritional supplements. And those who do take nutritional supplements may also discover that you can benefit by changing or adding nutritional supplements to your diet as you assess your individual health needs.Let’s begin with:
I don’t need nutritional supplements. I eat healthy and get enough nutrition through my diet.I would suggest you do a simple exercise to confirm whether your diet is meeting your nutritional needs. Note down everything that you eat for two weeks, including the quantity. Check a nutrition table and track the nutrient value of everything you eat. After two weeks, work out your daily average and check your daily rating against your RDAs. You may be in for a slight shock! Statistics show that most Americans don’t meet their nutritional needs.
Lack of protein, too many carbohydrates. You might find that your diet lacks protein but is too high in carbohydrates. This is very common in the American diet. Cutting down on the carbs and supplementing your diet with spirulina or chlorella (high-protein content) will help fill this nutritional gap.
Lack of fiber. Another common feature is lack of adequate fiber. Fiber supplements are available as an individual product or may be included as an ingredient in a whole food nutritional supplement. Fiber is known to bind toxins in your GI tract and help speed its transit through your digestive system, thus minimizing their absorption in the body. Fiber is also known to promote healthy cholesterol and blood sugar levels. If your diet falls short on many RDA counts, consider taking a superfood supplement which includes multi-vitamins, minerals, protein, dietary fiber, probiotics and enzymes for good digestion.
I have a busy life. I’ve tried taking them, but my schedule doesn’t allow me to be consistent. I travel a lot.If you lead a busy lifestyle, taking a nutritional supplement regularly will help you have the energy and concentration power you need to perform at your maximum best. You may be on the go all the time and miss out on meals. Nutritional supplements are available in convenient-to-carry individual packets. This is usually in powdered form to be mixed with water. You can carry packets with you any where you go, and use it any time you feel the need for an energy pick-up.It is important to attend to your health needs as a priority, in addition to the many other important demands in your life. A busy schedule can add stress to your life. Stress can increase the toxin levels in your body. Not only would your body need to be armed with B-complex, but nutrients like resveratol and omega 3s can help to increase your concentration and cognitive abilities. Green tea is also known to have soothing benefits for a tired mind.
I don’t know which nutritional supplement to take. Take some time to assess your health needs. The simple exercise mentioned above will help you find your nutritional needs. You can either adjust your diet to meet your needs or introduce supplements to bridge the nutritional gaps. If you are still unsure, seek the advice of your doctor before you take any supplement.However, everyone can benefit from taking a multi-vitamin supplement. An effervescent multi-vitamin formula is the best since it allows 99% bioavailability. Look for one from a reputed company.
I take a multi-vitamin. I don’t think I need to take anything else.As research on nutrition advances, there are more nutritional supplements available to strategically help you with specific health needs. Some might be formulated for health conditions you are facing or you may likely face because you are in a higher risk category for such diseases. These include:

High cholesterol levels. If your cholesterol levels test high, or you have a family history of coronary disease, then you should look for herbal supplements that can help you maintain healthy cholesterol levels. Omega 3 supplementation is advisable for improved heart health. Look for a pharmaceutical grade fish oil. Other nutrients for heart health include resveratrol, cocoa and green tea. Some products contain a combination of all 3 for powerful antioxidant power that promotes cardiovascular health.
Diabetes. Green tea is also known to help support healthy blood sugar levels. Green tea supplements are available in various forms.
Arthritis: Omega 3 fatty acids, along with other nutrients such as glucosamine sulfate, methyl sulfonyl methane (MSM), hyal joint have been well researched for their role in supporting joint health.
Stress Induced Conditions. Stress is known to cause poor immune health and a host of health issues such as premature aging due to free radical damage. Antioxidants also help to reduce free radical activity. Free radical activity is the unstable activity of cells which can lead to their malfunction and malformation. Antioxidants help maintain normal cellular growth and repair of cells.
I’m scared I may overdose.It is very unlikely that you will overdose from nutritional supplements. Nutritional supplements do not provide you your complete RDAs-just a portion of them. The rest you must get from eating a balanced diet.
Many health problems can be linked to nutritional deficiencies. For some this may mean that the road to better health may lie in improving nutritional habits. This is where nutritional supplements can play an effective role in supporting your health.Nutrition experts recommend that you get your nutrition from your diet as often as possible. Nutritional supplements are to be taken in addition to a well-balanced diet. A regular exercise routine can benefit your health as well. Discuss with your doctor about taking supplements that could strategically meet your individual health needs.

Choosing A Commercial Insurance Policy

Choosing the correct commercial insurance for your business needs can be daunting enough even for a seasoned businessman or negotiator. For a start-up enterprise ensuring that the business has full and proper protection against all risks, it is an even larger minefield.There are however some basic rules of insurance, which if born in mind while looking for the right commercial policy, will ensure that the enterprise is neither under or over insured and has the necessary cover in force.For a commercial insurance contract to be valid the proposer must have what is known in the industry as ‘an insurable interest’ in the object of the cover. This immediately helps define the type of property insurance policy that a businessman might require.The business risks to be insured under the policy are not the physical object themselves but the financial value of such, which is defined as the interest that a policyholder has in the objects should they suffer loss if the insured risks occur.Clearly then the type of policy that a business will require depends upon whether the proposer is the owner of the commercial property, or a leaseholder or tenant.An owner of a commercial premises who lets or leases a building, no matter the type of business activities that may be pursued there, would only have an interest in the buildings fixtures and fittings of the property concerned and any liabilities to the public that may arise from these.A lease-holders interest in the buildings may be dependent upon contract of lease and should be checked thoroughly with the agreement. Often a contract will make it the responsibility of the lessee to provide cover for the lease term.Owner occupiers of commercial premises will have a financial interest in both the buildings and contents of the property and will require insurance for both.Rented commercial property buildings cover is not usually the concern of the tenant who will only have an insurable interest in any contents of the building and in any improvements that they may have made to the property in order to carry out business.Before getting any commercial property insurance quotes it is necessary for the businessman to calculate the values of all the buildings, contents and stock. Buildings value should be based upon the rebuilding costs following a total loss and allowing for inflation. Accurate annual turnover figures will be required for contents insurance. If high value stock items are kept at the property, then the value of these should be determined individually.Applying for commercial insurance quotes online might only take a minute or two to complete, however the preparation needed to obtain accurate data to supply to the insurance company could take a lot longer. It is unlikely that even the small businessman has calculated the value of his office contents for replacement purposes.Ensuring that the information you supply on a commercial insurance proposal form is correct, is not only legally required, but is essential if you wish to avoid problems if a claim has to made at a future date. Problems can quickly arise with disagreements over the value of stock or office equipment values following a major loss, especially where the declared values are not sufficient and an average or proportional reduction to a claim is imposed.Having established any property risks that a commercial enterprise may be exposed to it is then necessary to look at all the potentialities and risks that the business might be liable for, in the course of carrying out its commercial activities.Liability insurance is essential for all enterprises, large or small.Public liability insurance protects the business against any claims from the public for loss or damage suffered, for which the business could be held liable. Employers liability, a type of workers compensation insurance, protects a business against being sued by its employees and is a legal requirement.Most commercial liability insurance is sold by trade or professional type with risks and covers that are specific to that business type. Additional liability insurance such as professional indemnity insurance which covers professionals against negligent advice or product liability for shops providing goods, are examples of such.Buying a combined tradesman or professional service stand-alone liability product is today a simple process using one of the many liability insurance comparison websites that exist online.It is possible to buy commercial insurance for both liability and property combined for any type of business, under what is called a ‘combined commercial insurance policy’. This type of flexible contract allows specific risks to be added and limits of indemnity chosen and is often known as ‘all risks’ cover.For specific types of commercial insurance risks such as shops and offices, where property values and liability cover can be easily assessed, it is now possible to compare many covers and buy online what are known as packaged policies.The Internet offers many full ‘all risks’ commercial insurance policies covering every eventuality and consequential loss, which are available from online insurance brokers, comparison sites and direct from commercial insurance companies themselves. If you have any doubts about the necessary cover for your particular business it is advisable to consult a commercial insurance broker who will offer advice and the latest market information.

Getting Started With Investing

IntroductionTraditionally investing has been seen as the preserve of the wealthy and has a reputation for being a minefield to the uninitiated. As western standards of living continue to increase, more and more people are beginning to realize the benefits investing even small sums can bring. This article seeks to explore some basic principles to help you get started with investing.1. What’s the basic premise of investing?The Collins English Dictionary defines the word invest in the following way; “To lay out, for profit or advantage.” To layout refers to the fact that something of value is needed in the first place in order to generate more wealth. In essence investing is a means of taking a pre defined sum of money and using it in such a way as to increase its original value, therefore generating a profit.2. Why Invest?This is one of the most fundamental questions that any person looking to invest needs to ask. The general answer is pretty obvious, to generate a profit, but the reason behind the investment are far more important and will directly influence how and where you chose to invest. In addition the answer will also determine the level of risk you are willing to expose yourself to and which will be explored in more detail later.Reasons as to why people invest are varied and may include some of the following; to build up a nest egg for retirement, to provide a financial safety net, to pay for future education or university fees for children, for fun because of the buzz investing can create.3. How Should I invest?This is also a deeply personal question and will depend upon the amount of money an individual has at their disposal. It is important to stress that investment takes many different forms all of which facilitate differing levels of investment. A single mum might decide to invest $20 or a business entrepreneur $1 million but both will seek a return on their capital outlay and how they go about achieving their investment goals may differ substantially.4. What level of risk should I expose myself to?Such a decision is very important as ultimately it will dictate the profitability of your final investment. In many respects this question will also be determined by the answer to the previous question, why invest? If an investment is being made to safeguard a financial future the level of risk taken may be lower than an individual investing for fun.Generally investments are made in three distinct categories low, medium and high. Low risk investments include Government bonds and savings accounts. Medium Risk investments could include certain types of shares or property. High Risk investments will almost certainly include shares in rapidly expanding companies exploring new markets. The dot.com crash in the late nineties, in which thousands of newly established technology companies went bust, is an example of a high risk investment going very wrong.What types of investment are there?This is not an easy question to answer because in theory anything that earns a profit from an initial outlay can be classed as an investment.There are however some common forms of investment that deserve further explanation.a) Government BondsThese are deemed low risk investments as money is invested in Government related projects and assets. It is unheard of in the western world for a Government to go bankrupt.b) SharesThis is a means of holding a stake in a company trading on the stock exchange and investors benefit from its profitability. Whilst share dealing can be low risk particularly if you are investing in established companies in the FTSE 100, most share investments are deemed medium or high risk. This is because such investments have the potential to return excellent profits but there is also a raised risk of losing your total investment.c) AntiquesAntiques are often a great source of investment given that they hold their value at the very least and have the added benefit of being easy to sell if you need a quick cash injection. In addition if you wish to leave a sum of money to family after your death they won’t be hit with inheritance taxes often associated with large amounts of physical cash. Perhaps one of the major drawbacks to investing in Antiques is the requirement of a level of technical expertise, or access to those skills, to ensure that suitable items are invested in.d) PropertyProperty can also be a very lucrative source of investment as property prices continue to increase across the developed world. Generally property prices increase in value in the long term.e) SavingsWhilst banks often make the distinction between savings and investments, in essence savings are a form of investment as the money you save with the bank is invested in low risk shares on your behalf, which ultimately enables financial institutions to make interest payments to you.How to investNow that you have more information to help you get started with investment the next step is to speak to an independent financial advisor. These consultations are almost always free and you can get specific advice tailored to your individual needs concerning investing. In the UK there is an excellent site for finding Independent Financial Advisors called unbiased, see the link at the end of this articleSummaryThis article has attempted to provide advice to enable individuals to get started with investment. Discussion has taken place about the basic premise of investing and the profitability of such a decision, along with examining different reasons for investing. Attention has also been given to how much might be invested and at what level of risk this might be undertaken at. Finally we have explored the vast array of investment options available and what the next step is for a budding investor.

S&P 500 Rallies As U.S. Dollar Pulls Back Towards Weekly Lows

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.
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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: 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.

S&P 500 Biotech Giant Vertex Leads 5 Stocks Showing Strength

Your stocks to watch for the week ahead are Cheniere Energy (LNG), S&P 500 biotech giant Vertex Pharmaceuticals (VRTX), Cardinal Health (CAH), Steel Dynamics (STLD) and Genuine Parts (GPC).

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While the market remains in correction, with analysts and investors wary of an economic downturn, these five stocks are worth adding to watchlists. S&P 500 medical giants Vertex and Cardinal Health have been holding up, as health-care related plays tend to do well in down markets.

Steel Dynamics and Genuine Parts are both coming off strong earnings as both the steel and auto parts industries report optimistic outlooks. Meanwhile, Cheniere Energy saw sales boom in the second quarter as demand in Europe for natural gas continues to grow.

Major indexes have been making rally attempts with the Dow Jones and S&P 500 testing weekly support on Friday. With market uncertainty, investors should be ready for follow-through day breakouts and keep an eye on these stocks.

Cheniere Energy, Cardinal Health and VRTX stock are all on IBD Leaderboard.

Cheniere Energy Stock
LNG shares rose 1.1% to 175.79 during Friday’s market trading. On the week, the stock advanced 3.1%, not from highs, bouncing from its 21-day and 10-week lines earlier in the week.

Cheniere Energy has been consolidating since mid-September, but needs another week to forge a proper base, with a potential 182.72 buy point formed on Aug. 10.

Houston-based Cheniere Energy was IBD Stock Of The Day on Thursday, as the largest U.S. producer of liquefied natural gas eyes strong demand in Europe.

Even though natural gas prices are plunging in the U.S. and Europe, investors still see strong LNG demand for Cheniere and others.

The U.K. government confirmed last week that it is in talks for an LNG purchase agreement with a number of companies, including Cheniere.

In the first half of 2021, less than 40% of Cheniere’s cargoes of LNG landed in Europe. That jumped to more than 70% through this year’s second quarter, even as the company ramped up new export capacity. The urgency of Europe’s natural gas shortage only intensified last month. That is when an explosion disabled the Nord Stream 1 pipeline from Russia that had once supplied 40% of the European Union’s natural gas.

In Q2, sales increased 165% to $8 billion and LNG earned $2.90 per share, up from a net loss of $1.30 per share in Q2 2021. The company will report Q3 earnings Nov. 3, with investors seeing booming profits for the next few quarters.

Cheniere Energy has a Composite Rating of 84. It has a 98 Relative Strength Rating, an exclusive IBD Stock Checkup gauge for share price movement with a 1 to 99 score. The rating shows how a stock’s performance over the last 52 weeks holds up against all the other stocks in IBD’s database. The EPS rating is 41.

Vertex Stock
VRTX stock jumped 3.4% to 300 on Friday, rebounding from a test of its 50-day moving average. Shares climbed 2.2% for the week. Vertex stock has formed a tight flat base with an official buy point of 306.05, according to MarketSmith analysis.

The stock has remained consistent over recent weeks, while the relative strength line has trended higher. The RS line tracks a stock’s performance vs. the S&P 500 index.

Vertex Q3 earnings are on due Oct. 27. Analysts see EPS edging up 1% to $3.61 per share with sales increasing 16% to $2.2 billion, according to FactSet.

The Boston-based global biotech company dominates the cystic fibrosis treatment market. Vertex also has other products in late-stage clinical development that target sickle cell disease, Type 1 diabetes and certain genetically caused kidney diseases. That includes a gene-editing partnership with Crispr Therapeutics (CRSP).

In early August, Vertex reported better-than-expected second-quarter results and raised full-year sales targets.

S&P 500 stock Vertex ranks second in the Medical-Biomed/Biotech industry group. VRTX has a 99 Composite Rating. Its Relative Strength Rating is 94 and its EPS Rating is 99.

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Cardinal Health Stock
CAH stock advanced 3.2% to 73.03 Friday, clearing a 71.22 buy point from a shallow cup-with-handle base and hitting a record high. But volume was light on the breakout. CAH stock leapt 7.3% for the week.

Cardinal Health stock’s relative strength line has also been trending up for months.

The cup-with-handle base is part of a base-on-base pattern, forming just above a cup base cleared on Aug. 11.

Cardinal Health, based in Dublin, Ohio, offers a wide assortment of health care services and medical supplies to hospitals, labs, pharmacies and long-term care facilities. The company reports that it serves around 90% of hospitals and 60,000 pharmacies in the U.S.

S&P 500 stock Cardinal Health will report Q1 2023 earnings on Nov. 4. Analysts forecast earnings falling 26% to 96 cents per share. Sales are expected to increase 10% to $48.3 billion, according to FactSet.

Cardinal Health stock ranks first in the Medical-Wholesale Drug/Supplies industry group, ahead of McKesson (MCK), which is also showing positive action. CAH stock has a 94 Composite Rating out of 99. It has a 97 Relative Strength Rating and an EPS rating of 73.

Steel Dynamics Stock
STLD shares shot up 8.5% to 92.92 on Friday and soared 19% on the week, coming off a Steel Dynamics earnings beat Wednesday night.

Shares blasted above an 88.72 consolidation buy point Friday after clearing a trendline Thursday. STLD stock is 17% above its 50-day line, definitely extended from that key average.

Steel Dynamics’ latest consolidation could be seen as part of a larger base going back six months.

Steel Dynamics topped Q3 earnings views with EPS rising 10% to $5.46 while revenue grew 11% to $5.65 billion. The steel producer’s outlook is optimistic despite weaker flat rolled steel pricing. STLD reports its order activity and backlogs remain solid.

The Fort Wayne, Indiana-based company is among the largest producers of carbon steel products in the U.S. It engages in metal recycling operations along with steel fabrication and produces myriad steel products.

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STLD stock ranks first in the Steel-Producers industry group. STLD stock has a 96 Composite Rating out of 99. It has a 90 Relative Strength Rating, an exclusive IBD Stock Checkup gauge for share-price movement that tops at 99. The rating shows how a stock’s performance over the last 52 weeks holds up against all the other stocks in IBD’s database. The EPS rating is 98.

Genuine Parts Stock
GPC stock gained 2.8% to 162.35 Friday after the company topped earnings views with its Q3 results on Thursday. For the week GPC advanced 5.1% as the stock held its 50-day line and is in a flat base.

GPC has an official 165.09 flat-base buy point after a three-week rally, according to MarketSmith analysis.

The relative strength line for Genuine Parts stock has rallied sharply to highs over the past several months.

On Thursday, the Atlanta-based auto parts company raised its full-year guidance on growth across its automotive and industrial sales.

Genuine Parts earnings per share advanced 19% to $2.23 and revenue grew 18% to $5.675 billion in Q3. GPC’s full-year guidance is now calling for EPS of $8.05-$8.15, up from $7.80-$7.95. The company now forecasts revenue growth of 15%-16%, up from the earlier 12%-14%.

During the Covid pandemic, supply chain constraints caused a major upheaval in the auto industry, sending prices for new and used cars to record levels. This has made consumers more likely to hang on to their existing vehicles for longer, driving mileage higher and boosting demand for auto replacement parts.

Fellow auto stocks O’Reilly Auto Parts (ORLY) and AutoZone (AZO) have also rallied near buy points amid the struggling market. O’Reilly reports on Oct. 26.

IBD ranks Genuine Parts first in the Retail/Wholesale-Auto Parts industry group. GPC stock has a 96 Composite Rating. Its Relative Strength Rating is 94 and it has an EPS Rating of 89.