The way we age is part hereditary but mostly related to the environment, how we take care of our skin, and products we use. Products do differ in the benefits. It can be very confusion and often exhausting reading labels and trying to determine the most benefit to your skin. The ingredients lists of our products are lengthy and often have long words only known to chemist.But it is more than the products. What you do to take care of your skin makes a difference.1. Use a Gentle Wash. Washing and removing all make up, oil and dirt from your face in the morning and at night is important. Don’t go to bed with make up on. Washing your face in the morning and washing your face at night is very important. Washing your face is the first step to beautiful skin and good skin care. Washing your face in the morning will open your pours and refresh your face to start your day whether you wash in the shower or at the sink. Make sure your facial wash is PH correct. A wash should not be drying or stripping.2. Use a Toner. Use a toner to remove what washing your face did not remove. A toner is a necessary part to any skin care treatment or skin care regimen. The toner should be a PH correct to maximize your cleaning effort and restore balance.3. Use an Eye Cream. An eye cream is very important. The skin under your eyes is different than the skin on your cheeks, chin, or forehead. The skin under your eyes is very delicate. Your eye cream should help reduce the puffiness and tighten the skin underneath your eyes. If you can only afford one good product for your skin care, buy a good anti-aging eye cream.4. Use a Moisturizer. The moisturizer will help you to achieve and maintain beautiful skin. The moisturizer must have minerals and vitamins in the ingredients. Copper is known to be one of the best minerals for an anti-aging skin care regimen. Stay away from products that have mineral oil and petroleum products as an ingredient. Mineral oil can clog your pours. Mineral oil prevents the minerals and vitamins from penetrating the first layer of skin to go down deep into the pours where they do their work. Moisturizers provide your skin with the necessary drink it needs to remain hydrated. You want to use a moisturizer that will hydrate your skin without leaving an oily feeling. Use products that have protection against the UV Rays even in the winter months. Your face is exposed to the sun even in the winter months.5. Use a Night Cream. A night cream will help to replenish your skin with nutrients needed for the rebuilding of your cells. Make sure the night cream is placed on a clean face. A night cream will provide moisturize and rejuvenate your skin while you sleep.6. Use all the above products on your neck as well. Many women stop the facial skin care at the jaw line omitting one of the most important parts of our body for skin care. That is the neck. Do your body a favor and provide all the same skin care to your neck. You will notice a difference. Did you know the appearance of wrinkles on your neck can give away your age? Take the extra 30 seconds and give your neck the treatment it deserves.7. Most important take care of your skin from the inside out. Taking care of the skin only goes so far! It is imperative to provide your body with the necessary vitamins, minerals, and antioxidants to build beautiful skin. An antioxidant will rid your body of the free radicals preventing your cells from achieving maximum health.Okay, now that you know the 7 (seven) secrets to beautiful skin you may ask is it really important to use all those products? Yes, it is. Each of the 7 (seven) secrets provide individual benefit to your skin. It would be great it just one product could provide all the benefits but frankly it would not work. Would you expect your wash to offer a moisturizing benefit that would not require any other skin care product? Think about it, how could you possibly get the best minerals, botanicals, and vitamins such as copper, wheat germ, aloe, cucumber extract, green tea, just to name a few, into one bottle. Good products will provide you with a quick but beneficial skin care system. A beneficial skin care system should help to make you look as young as you feel. It should take tired eyes and make them look younger when the dark circles and puffiness and fine lines are visibly reduced. A botanically based formula support the special skin care needs of both men and women. An anti-aging skin care system should produce results to beautify skin. A skin care system that produces results should firm the appearance of the skin while creating a brighter and smoother skin.
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.
What We Have Here Is A Failure To Communicate
The results of this past election proved once again that the Democrats had a golden opportunity to capitalize on the failings of the Trump Presidency but, fell short of a nation wide mandate. A mandate to seize the gauntlet of the progressive movement that Senator Sanders through down a little over four years ago. The opportunities were there from the very beginning even before this pandemic struck. In their failing to educate the public of the consequences of continued Congressional gridlock, conservatism, and what National Economic Reform’s Ten Articles of Confederation would do led to the results that are playing out today.. More Congressional gridlock, more conservatism and more suffering of millions of Americans are the direct consequences of the Democrats failure to communicate and educate the public. Educate the public that a progressive agenda is necessary to pull the United States out of this Pandemic, and restore this nations health and vitality.
It was the DNC’s intent in this election to only focus on the Trump Administration. They failed to grasp the urgency of the times. They also failed to communicate with the public about the dire conditions millions have been and still are facing even before the Pandemic. The billions of dollars funneled into campaign coffers should have been used to educate the voting public that creating a unified coalition would bring sweeping reforms that are so desperately needed. The reality of what transpired in a year and a half of political campaigning those billions of dollars only created more animosity and division polarizing one extreme over another.
One can remember back in 1992 Ross Perot used his own funds to go on national TV to educate the public on the dire ramifications of not addressing our national debt. That same approach should have been used during this election cycle. By using the medium of television to communicate and educate the public is the most effective way in communicating and educating the public. Had the Biden campaign and the DNC used their resources in this way the results we ae seeing today would have not created the potential for more gridlock in our government. The opportunity was there to educate the public of safety protocols during the siege of this pandemic and how National Economic Reform’s Ten Articles of Confederation provides the necessary progressive reforms that will propel the United States out of the abyss of debt and restore our economy. Restoring our economy so that every American will have the means and the availability of financial and economic security.
The failure of the Democratic party since 2016 has been recruiting a Presidential Candidate who many felt was questionable and more conservative signals that the results of today has not met with the desired results the Democratic party wanted. Then again? By not fully communicating and not educating the public on the merits of a unified progressive platform has left the United States transfixed in our greatest divides since the Civil War. This writers support of Senator Bernie Sanders is well documented. Since 2015 he has laid the groundwork for progressive reforms. He also has the foundations on which these reforms can deliver the goods as they say. But, what did the DNC do, they purposely went out of their way to engineer a candidate who was more in tune with the status-quo of the DNC. They failed to communicate to the public in educating all of us on the ways our lives would be better served with a progressive agenda that was the benchmark of Senators Sanders Presidential campaign and his Our Revolution movement. And this is way there is still really no progress in creating a less toxic environment in Washington and around the country.