Consider if you will all the new challenges that the TSA is presenting to travelers at airports. They are causing time delays, airport congestion, and people to miss their connecting flights. Yes, protecting the American People is paramount, and that’s their job but let’s talk about how this effects us business travelers shall we. Why you ask? Because as a business traveler, you can’t afford to miss an appointment, so what you need to do is to have a buffer between connecting flights, and in case there is a flight delay due to extra screening, or some incident caused by TSA personnel, you will not have your travel plans ruined.Yes, many business travelers have merely had enough of this nonsense, but it’s still something that must be dealt with. Indeed, these issues can also play havoc on trying to get to your Rent-A-Car on time, as if you don’t show up when scheduled they may run out of cars to rent, or if you get to the hotel too late they may have already rented the room out, assuming you are a no-show.Business travelers are having a heck of a time on the airlines, due to all these new rules and regulations to prevent holiday underwear bombers or something? There are ways to expedite through security by getting a special pass, along with a background check. Although it is a hassle because business people don’t have time to go get all that done, it will save time during travel, and it’s perfect for the seasoned business traveler who spends more time on airplanes and they do it their children’s soccer games.Additionally, because global warming is such a big deal, the temperatures have been dropping world-wide, and therefore cold weather and the coming Ice Age are causing even more flight delays. And if an airliner is on the runway or ramp longer than three hours waiting for the weather to clear it has to go back to the terminal, as per new FAA laws. This means the flight might be canceled, and then you’ll be stuck in the airport terminal until you can get on another flight, if one is even available.It is for all these reasons that a time buffer is about the only current solution, rather than buying a corporate jet to shuttle yourself around. Therefore having time buffers to ensure connecting flights to get to your destination and accommodations is serious. Please consider all this and think on it.

Say you need transportation – a car, and you do not have any cash to make the down payment. Transportation is essential, and so you need to avail it. Getting a guaranteed car loan with little or no cash, and poor credit ratings as well as low credit scores might make you feel buying your car might be next to impossible. Well, the fact is if your financial conditions are not good, you can still avail your car finance and buy your vehicle. One of the options available is the payday loan. It is not that difficult to get such a loan. You need to prepare for the loan by getting some information as to how the loan works, and what the credit facility is all about. The following tries to provide some information regarding payday loans.What are Payday loans?As the name implies, payday loans are temporary credit facilities, which can be availed against your monthly pay. The process includes three easy steps, before you can get the cash. Individuals having poor credit ratings can also apply for payday loans. The main processes involved are:o First of all, it is required to fill up the online application form. Information like the applicants address, contact number, present employment details, monthly income, and bank details need to be mentioned within the online application. Once the form is filled up, it is important to submit it in the proper way as specified by the company.o Once the form is submitted, the system tries to match your application details with appropriate loan providers and credit lenders, who usually support car loan for bad credit. The system also determines the probability of you getting the loan based upon your current credit ratings and scores, and prepares a list of probable moneylenders.o It is recommended you check out the list for what kind of interest rates lenders offer to the applicants. The rates keep on varying up to a certain extent depending upon the creditor, and the same happens with the terms and conditions associated with the loan. So it is advisable to choose your lender wisely, by working out the net payable interest using the online calculators generally provided by the lenders website. The information specific to the loan, its rate of interest and the clauses included within the terms and conditions can be obtained from the creditors portal. Once you decide upon your creditor, you might be asked to provide some additional information by your creditor for verification purposes. Some lenders call the bank or the employer to verify the authenticity of the application.Loan approval, disbursement, and turnaround timeOnce the loan is approved, the money gets electronically deposited in the bank account specified in the form. The process can take from a couple of hours to 48 hours depending on the creditor. Usually lenders supporting bad credit auto loan also support payday loans as a car buying option and generally deposit the credit within 24 hours. However, it is important to work out the specifics associated with the credit facility provided before giving the final confirmation to the loan provider. On your next payday after the loan disbursement, the actual loan amount and the interest charged will be debited from your bank account – the same account in which the loan credit is deposited. The process occurs in a predefined manner, and so manual activity is required on the part of the borrower to redeem the loan. Upon successful redemption, it is possible to again avail the payday loan from the same lender.Using payday loans to buy your carGetting bad credit car loans can be difficult. Availing a car loan in the form of a payday loan can be a good option. Even though one can buy a new car, it turns out to be more beneficial to avail a used car, since used cars cost less and are easily afforded. Majority of the lenders support payday loans to buying second hand or used cars because the loan amount required is less. The main advantages of payday loans are:o They are easy to avail.o The processing time involved is very less.o The credit ratings and credit scores do not play such an important part in deciding the loan disbursement.o The interest charged is less compared to traditional auto loans since the turnaround time of the loan is very less.o Almost all lenders will provide a free quotation that does need any commitment from the applicant to proceed ahead with the loan once the application is approved. The applicant has the option to reject the application if he or she happens to find a better loan provided. However, the loan application needs to be canceled before the disbursement is carried out.

Soil PreparationTo produce delicious fruits and vegetables in an urban permaculture garden, all starts with the soil preparation. This easy method helps minimize weeding and requires minimal watering.1. Lightly sprinkle the complete grass or soil area that you want to make into an urban garden with fresh compost. This attracts the worms to come to the surface and find all the delicious layers you put on.2. The most important first step in creating your urban permaculture garden, is to cover the grass or soil thoroughly with wet newspaper, at least 5 pages thick, making sure there are no colored ink pages included.3. Then cover the newspaper with plain flat cardboard and water it well. Flattened cardboard boxes are good to use for this.Raised Garden Beds1. Use untreated 8″ x 1″ or 12″ x 1″ timber to make square or rectangular garden beds, no wider than an arm span from each side to the middle. This allows you to work your permaculture garden from all sides without stepping on the growing area. This way, the worms and insects do all the hard work for you, and their habitat is not overly disturbed or compressed when you plant or weed your crops.2. Lay out your raised garden boxes on the prepared area of cardboard, leaving wheelbarrow width walkways all around them. Peg the boxes to the ground.Filling Your Raised Garden Beds1. Cover the wet cardboard inside the raised boxes with a thin layer of coffee grounds. This benefits fruits and vegetables in a similar way to what nitrogen does. Coffee grounds obtained at no cost, from coffee shops can also be used later as a top sprinkling to enhance growth.2. Next add any layer of manure at this stage but not too thick. Horse manure from quality stables is good, as these horses have a very good balanced diet. Alternatively, use sheep pellets or chicken manure. The soil that chickens have turned over in their yards can also be added here.3. Next you can add a thick layer of compost dirt. See the compost section to learn how best to make this, otherwise, buy some from the garden center.4. On top of that, you can add a layer of potting mix if you are planting seeds or want a finer soil to plant your seedlings directly into.5. A layer of organic wood chips, leaf mulch, or year old calf shed cleanings tucked in between plants after you have planted, keeps the top soil darkened to allow the worms to come up around all your plants and stops weed seeds germinating. The worms leave their fresh worm juice right there beside your plants.6. Prior to planting anything in your new garden boxes, give these layers of soil a gentle soak with the best water you can find, and leave them to settle for a week or so, watering daily. This encourages the worms, insects and bug life to take up residence and work their magic in your soil.Beneficial Additions To Your Soil Layers1. If you have access to them, a thin layer of wilted comfrey leaves laid on top of the coffee grounds provides valuable nutrients. We grow two large controlled clumps of this, so a source of compost material lays under our fruit trees. This is a prolific, powerful medicinal plant but needs cutting to wilt in the sun first to stop it taking root and spreading throughout your garden.2. Then to tune into the magnetic field of the earth, you can sprinkle a thin layer of paramagnetic rock dust on the compost. Paramagnetic rock dust can also be added to compost mixes in about 1:10. You may need to search for a supplier near you.3. Liquid chicken, sheep or cow manures, worm juice or diluted seaweed liquid are all very beneficial manures to add to your garden. The dilution needs to be weak to avoid burning the plants. These dilutions and rates of applications are easily found on the web.4. We watered our cabbages twice a week with liquid cow manure (one cow pat to a large bucket of water), when we were dairying in the perfect growing climate of Wairoa and grew giant species of cabbages. The outer leaves reached waist height and the hearts were huge! We felt like we had unlocked a secret from Eden!Pest Control And Ways to Provide For Beneficial Insects And Animals1.When you plant your cabbage, cauliflowers or broccoli, make a bamboo A frame shape and drape fine white mesh over the plants, to save having to spray for white butterfly.2. Keeping ducks on your walkways ensures the snails and annoying bugs are eliminated, but you will need to cut some plastic mesh to make a small fence inside the garden boxes, that the ducks can’t get over, to protect the vegetables in your garden boxes. You may need to clip one wing on your ducks if they fly. Feed the ducks kibbled maize, after they have eaten from the walkways.We have a drake and three ducks and rear the ducklings for meat and have eggs for baking. Peeking and Muscovey are good eating ducks and make a beautiful feature in the garden when they float in the pond. The water they bathe in is excellent to water the gardens with. We give them clean water every day.3. Make a space full of rocks to encourage frogs and geckos to come to live in, as they can deal with bugs and pests also. Frogs love a small pond.Insect Life1. If you really want to be kind to your insect friends, you can make a watered down molasses solution to sprinkle on top of your newly created garden. Do this after your garden’s first watering. This will feed all the worms, bugs and the bee colonies that are going to do the gardening for you, as they love that little bit of sugar content..2. Bees have a memory of where they get good water and the sweetest nectar, so if you cater for their needs it ensures you get good visitation when you need them for pollinating. They have a good memory and will bring their friends back with them. The wonderful tasting fruits you grow will also attract the bees, thus ensuring pollination when you grow fruits all year round.3. Plant many blue and purple plants like lavender and make sure you grow colorful flowers to attract the bees throughout the season. Provide a water bath for both birds and bees for resting and drinking. Planting lavender under the windows of your house helps keep those pesky mosquitoes at bay and brings the bees across. This ensures they find all the plants that need polination as they fly back out of your garden.Water Retention Walkways1. Box up the far sides of all the walkways around your garden beds enabling them to hold 8 to 12 inches deep of either untreated sawdust, calf shed wood chips, or tree and leaf mulch from your local tree removal firm. Avoid pine mulch.2. Another way to get a good walkway filler is to ask to clean out horse boxes at stables. You will receive unlimited access to good untreated woodchips, complete with horse urine.These walkways become large worm breeding areas and the next year are ready to become the compost material for your garden beds. You then just refill your walkways annually.3. The rain water is held in the fibrous wood materials in the walkways and seeps into your garden beds as they need it. When it rains you collect all the run-off across your section in these walkways and this way you are collecting water for your garden for a future drought.When we made our walkways, we spirit leveled them to hold water evenly along their full length. The paper and cardboard being thicker in the walkways and up the sides keeps the water in for as long as possible.4. The outside edges of your planned garden area planted with fruit trees close to the walkways enables them to enjoy the wonderful moisture from your walkways too.5. Lay any tree branches, mulch or grass clippings under your trees and watch the wonderful forest floor develop there. Better still, feed the grass clippings to the chickens first and watch them make beautiful compost soil out of it.6. This forest floor soil is excellent to grow seedlings in, mixed with potting mix. Mushrooms can also grow in this rich moist atmosphere under the trees.Composting1. Soils love compost that have a 1 part nitrogen to a 25 part carbon ratio. Making compost in this ratio, ensures your stack will not sink down to half the size, but stay the size you made it. Just add layers and layers in this ratio, and cover the stack until it is ready. Properly made it will be ready in a couple of months but it is more common to leave it six months to a year.2. Nitrogen equates to the hot things such as manures or road kill and the carbon equates to the dry wood based matter such as dry grass clippings, dry wood chips, paper, cardboard, or dry tree mulch.3. A compost made in this ratio is a source of hot water for a shower. Wrap black polythene pipe around and through your compost, connect it to a hose and shower head and there you can have a shower in the garden before heading home.Leaf Curl and Fungi1. Copper tacks in the trunks of your fruit trees stops leaf curl and flea collars around the base of your apple trees can stop the apple moth that climbs up the tree before it mates with the ones that flies into the tree.2. Fungi send out a filament underground, like an internet connection to every tree and plant in your garden so anything you do anywhere in your garden affects the entire area. Your garden is a living, communicating entity.Harvesting and Replanting1. Only cut the tops of vegetables like cauliflowers and broccoli when you harvest. Leave the roots in the ground for the soil life to break down, as the rotting roots make good water walkways deeper into the ground.2. When replanting, just make a small hole, add a bit of compost dirt, then plant your new plant or seeds without disturbing the soil life too much. The soil stays soft and workable if you keep adding mulch to the top and keep the moisture levels right.3. Your garden will be very lush using no dig, no spray, no weeds, no bugs, urban permaculture garden technology and needing only minimal watering to produce delicious fruits and vegetables. The mulch on the top of the soil slows down the evaporation rate of the available water.Now what if the water you do need to water your garden with is the very best filtration method that man has discovered? This structured water we use, gives us amazing growth, double fruiting and fruit that tastes full of energy.We are sure you will be as amazed as we are with the results.Visit our website below, to be amazed and enlightened.I hope you liked my article with tips for a No Weeds and No Bugs Urban Permaculture Garden.

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.

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).

X
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.

CRISPR Stocks: Will Concerns Over Risk Inhibit Gene-Editing Cures?

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.

How Millett Grew Steel Dynamics From A Three Employee Business

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.