Do you have sensitive skin and spend your time searching for solutions? Are you always looking for great sensitive skin care products? Lets see exactly what sensitive skin is and what you can do when faced with selecting anti aging products for your skin.Of course there are always people with specific skin conditions. There are clear skin conditions that require the care of a dermatologist and people who may consider that their skin condition requires professional care ought always consult a doctor first. However it’s fair to say that the vast bulk of people with sensitive skin problems do not have skin conditions requiring the care of a dermatologist.If you have delicate skin you know what it’s like. You get the skin redness, dryness, flaking and itching and your skin looks blotchy. However the sad truth is that in almost all cases where this is the case it is not the skin that is the problem but the products that are used on it.The reality is that delicate skin problems are commonly the result of the use of big brand mainstream products such as cosmetics, anti aging products, personal and beauty products such as soaps, shampoos and deodorants that contain ingredients that produce an irritant or allergic skin reaction.This is not because it is impossible to manufacture these products without using these ingredients. It is perfectly possible to manufacture high quality cost competitive personal and beauty care products that work extremely well and which use natural safe and effective ingredients. The problem is that most of the chemical ingredients that produce the skin reactions known as “sensitive skin” are extremely cheap. Many are chemical ingredients produced in a lab and used in many of the big name products that you might be using right now.In fact the problem of dangerous and irritating ingredients in personal products is now so serious that there are entire organizations set up to combat this. Perhaps the best known of these is the Campaign for Safe Cosmetics. They battle against the proliferation of chemical ingredients in personal products that are essentially dangerous to your health, that are irritants your skin and which are in some cases “known to cause cancer”.In fact it is unnecessary for there to be any sensitive skin products such as sensitive skin creams and sensitive skin moisturizers at all. There are many outstanding skin care products, for example, which are highly effective and which use only natural, known safe, and effective ingredients which can be used on all skin types and which do not produce any allergic or irritant skin reaction.In fact the company that makes the worlds best skin care products does not make any delicate skin products. This is because all of it’s products are safe to use on all skin types, work for all skin types, and do not produce any allergic skin reactions. If you use products such as these there is no need to buy any sensitive skin products.Sensitive skin care is not about selecting the best product for your skin type. It is about making a conscious decision to avoid the use of mainstream big brand personal, beauty and body care products such as cosmetics and skin care products, soaps shampoos and deodorants, and substituting natural skin care products and natural cosmetics in their place.If you’d like to find out where to source the worlds best natural skin care products and natural cosmetics visit my website where you can also see a discussion of many of the chemical ingredients used in modern products that cause so many of the sensitive skin care problems that we see in so many people today, and find what I consider to be the worlds best Sensitive Skin Care Products.
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.
Simple Steps to Becoming a Great Pharmacy Technician
You see the news reports every day. You see the numerous infomercials on the exciting and rewarding career as a pharmacy technician. This career choice is in high demand. Yes you may go to your local drug store, fill out an application, and become a pharmacy tech in no time. Wrong!!! That is the easy way and it’s the less rewarding way to become a pharmacy technician. If you want to go from a pharmacy technician with no credibility to a great pharmacy tech where employers are knocking down your door, you need to follow these steps to achieve the much needed success you desire and deserve.We live in an era where litigation cases have doubled. If you want to protect yourself from these money hungry henchmen, you must educate yourself and stay current on every aspect of your career field. Becoming a pharmacy tech has many benefits, but it also comes with a boat load of responsibility. Over the years, I have seen many organizations formed to protect the consumers and patients from the careless behavior of many health care workers. In order to protect you and get the much needed credibility that you deserve, many states are requiring that an exam is passed to work behind the counter of a pharmacy. So starting off, step number one in becoming a great pharmacy technician is passing the National Pharmacy Technician Certification Exam.Passing the pharmacy technician certification exam places you in an elite group of individuals. You may now practice in states that previously wouldn’t even allow you to apply. This exam goes in depth about many areas of pharmacy. Passing the exam lets employers know that you are competent. There are many areas of pharmacy that you may venture into, but the actual exam covers topics from every area possible. Whether you are going to practice in a retail setting or go for the higher wage and practice in an institutional setting, the exam will cover topics in both areas. If you want to go from good to great, try getting some hands on experience.Passing the certification exam is a start, but I would go a step further and get some type of formal training. Passing an exam gives you the mental knowledge, but getting hands on training puts you in the line of fire. You get to “get your hands dirty” so to speak. I attended a junior college and completed my pharmacy technician training. I received a technical diploma for all my hard work and dedication. Not only did I receive my technical diploma, I got the best hands on training in the form of an externship. There are many training facilities that are forming. When making your decision, only consider schools that are accredited and recognized by the different pharmacy organizations. So you have your certification out the way, you took your formal training at an accredited school for pharmacy, now for the final piece of the puzzle.The final piece of the puzzle is staying up to date on your CE requirements. CE requirements or also known as continuing education credits are credits that Certified Pharmacy Technicians must complete in a timely manner in order to stay in good standing or remain Certified. These CE credits can take the form of online quizzes given by accredited organizations, or it can even be lectures and seminars that are given all across the country. Although these requirements can be completed in a short amount of time, they are normally packed with enormous amounts of information that will be beneficial to the pharmacy tech.So there you have it. Some basic steps to take that can have a huge impact on your career as a pharmacy technician. Don’t be your average pharmacy technician. Go above and beyond on what the everyday pharmacy technician does to get a paycheck. Stand out from the crowd and be different. Take the simple steps to advance your career. Doing this will allow you to reap huge rewards in the near future.