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One of Uncle Sam’s greatest gifts to the American student is the Federal student loan program which makes it possible for millions of young Americans to pursue higher education. But Federal student loans may not always cover tuition and expenses 100%. That’s why so many parents and students turn to private student loans to fill in the gap.Private student loans — not just for tuition!All the talk these days is about the higher costs of college tuition. But what often gets overlooked are all of the other college expenses that can make going to college more financially crushing.However, that may not be a problem for you since most private loans can cover virtually all college expenses, including: o Room and board o Off-campus housing o Registration fees o Text books o Laptop/Internet access o Travel expenses to get to and from classesHow can you qualify for a private loan?Because private loans are made by private institutions such as a bank or other private lending institution, your ability to get a loan will be based on merit, specifically good credit, essentially, a high enough credit score. The availability of a co-signer with good credit is even better from the lender’s perspective because taking into account a co-signer’s good credit, your combined probability of repaying the loan is higher. So, the lender can be more likely to approve you for a private loan.If you think about it, most consumer loans require collateral, such as a house or a car. If a borrower doesn’t repay the loan, then lender can repossess your property, so it can sell it to recoup the money it had loaned out.In the case of education loans, there really is no collateral; i.e., how can a lender repossess your education? It can’t. That’s why lenders rely on a good credit record, since that is a strong indicator that you and/or your co-signer have a proven track record of repaying on your credit cards or other loans in a timely and responsible manner.Co-signers with good credit can help you qualify for a private loan, lower your borrowing costs and improve your own credit score!Because private loans are based on merit, the rate you receive is based on your credit history and income. If you don’t have one or the other or both, having a creditworthy co-signer can be invaluable. In fact, a co-signer with good credit can help you obtain a private loan with a lower interest rate, saving you a ton of money over the life of the loan.Another added benefit of a creditworthy co-signer is “guilt by association but in a good way.” This means that the timely, responsible repayment of your private loan under a co-signer arrangement will be a positive way to build up your own credit record.Take advantage of private loan benefitsOf course the primary purpose of obtaining a student loan is to help you obtain a sound education so you can realize your career aspirations. And using credit wisely is important. That’s why you’re encouraged to seek out as much Federal student aid, grants and scholarships first before applying for a private loan.Private loan application process — get pre-approved in minutes if you qualify!However, once you determine that a private student loan can be a viable alternative funding source to cover your education finance gap, you could be pre-approved for a private loan within minutes of applying! Many times the application process is very simple and can, with most lenders, even be handled over the phone or online.Longer pre-payment terms and no pre-payment penalties can help you better manage your cash flow after collegeWhen it comes to paying back your private loans, many lenders give you up to 20 or 25 years to do so. The absence of pre-payment penalties means that as long as you make your minimum monthly payment, you can pay off your loans as fast or as slow as you want within your repayment term.Interest rate discounts can help lower your cost of private loan borrowing even more!Many private loan lenders would like to have your business. So be sure to shop around, and make sure to ask each lender about these and other private loan “borrower benefits” such as:o An interest rate discount for automatic payment from a savings or checking accounto An interest rate discount for simply making on-time payments.o Little or no origination fees, if you or your co-signer has good creditWho is eligible for a Private Loan?Keep in mind that each private loan lender has certain eligibility requirements. For most private student loans, you must meet the following criteria:- Must be creditworthy applicant or have a creditworthy co-borrower- Must be a U.S. citizen, U.S. permanent resident, or international student with a qualified U.S. citizen or U.S. Permanent Resident co-signer- Must be within age of majority by your state of residence (typically 18 years of age)- May be a full time, half time, or less than half time (including continuing education) studentTypes of Private loansWhat’s great about private loans is that many lenders have a variety of loans that is tailored to fit your specific course of study. The loan name, minimum and maximum loan amounts, and the loan repayment terms are all tailored around the typical needs of the course of study you have chosen to pursue.Undergraduate Private Loans – Just as the name implies, apply for an undergraduate private loan if you’re a college undergraduate, or are attending a career, technical, and trade school in the U.S., at least half-time. Continuing Education Private Loans – This private loan is right for you if you are completing a degree, a certification program or taking classes to further your career or for personal development. A continuing education private loan is available to you if you attend an eligible school at least part-time (less than half-time). Graduate/Professional Private loan – If you have decided to pursue an advanced degree at participating colleges and universities, and planning to attend at least half-time, then this private loan can get you the funds you need to achieve your educational goals. K-12 Education Private loan – If you are a parents or other adult sponsor (relative or friend) of children who attend participating non-public elementary schools, many lenders provide these loans to help cover the expenses. Most lenders provide K-12 education private loans for students who attend private, religious, preparatory, and military or special education schools.Need more money to pay for college? Private loans are here for you!Now that you’ve learned about an alternative way to pay for your college-related expenses, don’t let anything hold you back from pursuing the dreams of success you want. A great education is a wonderful thing and nothing should ever stand in your way of achieving your goals.As you start or continue your education, the availability of private loans offers you an option to fund your education when you don’t know where else to turn for the money you need.

Companies that want to market to Chinese speakers must first decide on their target markets. Who are they trying to reach? But first let’s define some China SEO terms.
What is China SEO?For the keyword China SEO there are a few meanings:1. Someone who wants find an SEO company to market to China.2. Someone who wants to learn something about getting natural traffic from people who speak Chinese (This could include one or more of the following: China, Hong Kong, Malaysia, Taiwan, Singapore, Indonesia and even small numbers of Chinese speakers in other countries).3. Someone who wants to work with a China SEO company for a variety of reasons. For example, if Chinese is your mother tongue it may be easier to launch a global SEO campaign working with people who understand you easily.A company outside of China looking for information or SEO China companies would be interested in search results which focused on the meanings from 1 and 2. Search results for number 3 would mostly be in Chinese. However the savvy Chinese company which wants to do a global campaign may search in English or other target countries to narrow results.Baidu.com is the most popular search engine in China
What is Chinese SEO?Chinese SEO is more specific than China SEO and one of the indicators of this is that there are fewer searches for Chinese SEO. The intents of these searchers can be:* Someone looking for somebody to help with SEO, in the Simplified Chinese language, in order to target mainland China, Singapore and some Chinese expatriates.* Someone looking for somebody to help with SEO, in the Traditional Chinese language, in order to target people in Hong Kong, Taiwan, Malaysia and most Chinese expatriates.Simplified and Traditional Chinese use different characters for the same word so it is important not to make a mistake about this. For example, if you were manufacturing chop sticks in Tel Aviv and you wanted to sell to restaurants in mainland China you would target this keyword in Simplified Chinese – yÉ ô+wP6 ‘If however you wanted to sell to companies in Hong Kong you would write in Traditional Chinese – yÉ­+wPý à.
Chinese SEO Company SearchNow that we have our terms defined, it is obvious that the first thing we need to do is define our geographic markets. This will determine, for the most part, if we need Simplified or Traditional Chinese. Then we can search for a vendor who has the appropriate language skills. If we prefer to look for a company located in our target market, we must search in the appropriate search engine. You can use Google and press the radio button which limits the search just to sites in that country.Here are some examples:
Hong Kong: google.hk (Traditional Chinese)
Singapore: google.sg (Simplified Chinese)
Taiwan: google.com.tw (Traditional Chinese)
PRC China: google.cn (Simplified Chinese-cannot access from inside China)
Traditional Chinese google.com/intl/zh-TW/
Simplified Chinese google.com/intl/zh-CN/ (If you are in China and type in Google.com you will be redirected to this site)Of course, in China, baidu.com (in Simplified Chinese) or tw.baidu.com (in Traditional Chinese) is much more popular than Google. Although the interface is in Chinese you can search in English.Another option is to look for a vendor who speaks your language. This kind of SEO company will be easier to communicate with and will most likely be able to offer additional languages, so you won’t have to deal with so many vendors. This kind of search is relatively easy. For example, a good place to find an SEO company that can provide International SEO services is Israel, as it is an immigrant society with native speakers of many languages. A search for:Chinese SEO Israel
brings up an SEO company which can handle Chinese SEO and many other languagesUsing non Chinese SEO companies for SEO China work can make communications easierAnother option is to do Chinese SEO in house. You may have in house Chinese speakers or you can use outside vendors just for translation. In any case, this SEO China article gives you a basic start, so you won’t waste your money translating to Traditional Chinese when your target market is in Mainland China.Chinese CharactersYou can learn about using Chinese characters in the URL in this post. One of the most important things to do is make sure your translations are not literal-use the keywords that your searchers use.Chinese characters can be used in the URL.Although Chinese SEO can look daunting to English speakers because the characters are so different this, it is now easier than ever due to technology. You can even get a quick translation The Google Translator for example can translate both Simplified and Traditional Chinese to English and back. It can also translate Simplified to Traditional Chinese and back. Today there is no excuse not to communicate with over a billion people.Learn more about Chinese SEO and SEO China at AIMS Advanced Internet Marketing Strategies. An illustrated version of this article is available at http://www.aims.co.il/articles/chinese-seo.html

We feel sorry for you. Your firm is not in the service industry. They are the lucky ones with respect to inventory financing – there is no inventory! Unlike your business, which produces goods and carries inventory to meet customer order needs your services firms have no storage requirements!If your firm has an investment in inventory then financing for that asset is often, if not always, vital. Financing via bank credit lines for the inventory component of your balance sheet is always difficult, if not in some cases impossible. Most business owners and financial managers know that of your two major current assets ( receivables and inventory ) that banks prefer receivable, aka a/r financing.So how do you finance your inventory, and what are the requirements to get such a facility in place? The reality is that every business is different and your firm will have different categories of inventory – most commonly they are raw materials, work in progress, and finished goods.Inventory financing in Canada is most often financed under an ABL facility. What is ABL is the next question our clients always ask. The acronym stands for asset based lending, and is a specialized type of financing that is mostly carried out by non bank institutions. Facility sizes tend to range from 250k and up, as it is not really economical for all parties (you and the lender) for finance amounts much under that.Your ability to control, report, and purchase inventory most economically are key drivers in an inventory financing decision made by your inventory financier. Your ability to monitor, stock, and produce and bill and collect are the basic requirements for an inventory financing facility. We would point out that in many cases this facility also includes a receivable component, because, as we all known, inventory flows into a receivable which flows into… dare we say it… cash!If you are unable to finance your inventory properly you can very easily get into what can best be describe as a ‘ cash trap ‘- and that’s not a good trap to be in. Typically each one thousand dollars of inventory on hand can cost you between 150 and 250 dollars per year when you take into account some obvious and not so obvious factors such as financing costs, storage, handling, insurance, and deterioration of the inventory which by its necessity forces you to do an asset write down.The irony is of course that you can have too much inventory or too little, it’s a balance act.When you arrange inventory financing you want to ensure you have reasonable levels of product – so you need to focus on both financing cost and order costs.If you have inventory financing fast efficient turns are potentially more possible and you annual carrying costs can be dramatically reduced- don’t forget that the cash you invest in inventory could be put to work elsewhere and in many cases earn, for example, at least 12% more in profits. That’s a very typical number for a manufacturer.Financing inventory is a challenge – you want to be able to take advantage of volume discounts, but at the same time limit your investment in inventory while satisfying customer order needs. Whew! That’s a real teeter totter don’t you think?!Speak to a trusted, credible and experienced business financing advisor who can guide you through inventory financing in a manner that supports your business and industry. Beating the inventory financing challenge is a solid financial accomplishment.

Are you one of those creative people who would rather starve than be caught working a nine-to-five desk job? One who is bursting with imagination and needs an outlet for ideas? One who wants to, or already does, work in the entertainment industry, whether it is the business of filmmaking or producing Broadway shows? If so, you need to consider purchasing entertainment insurance.Entertainment insurance can be compared to the workplace insurance available to standard, nine-to-five jobs. Entertainment insurance can cover liability issues, as well as damages to or theft of the equipment you, your staff, and your cast use for your entertainment performances. Entertainment insurance can act as worker’s compensation should you, your staff, or your cast become injured on the job, and entertainment insurance can even help cover the cost of production if the injury or illness of you, your staff, or your cast delays further production for a certain amount of time.You can also purchase additional entertainment insurance that goes beyond just covering you, your staff, and your cast, as well as your equipment and production costs. You can purchase entertainment insurance to cover the cost of injuries and/or damages to audience members and/or their belongings caused by your performance, as well.Most entertainment insurance policies last only for a specific amount of time, and that amount of time is usually the beginning, the during, and sometimes the ending of your performance. When you purchase entertainment insurance, you need to let your insurance agent know how long the entertainment policy must last. If you fail to do this, your entertainment insurance policy may run out before it’s time, and if an accident occurs, you’re stuck with no entertainment insurance.Yes, there are many differences between the world of entertainment employment and the world of nine-to-five jobs; however, protecting your workplace, your employees, yourself, and your customers by purchasing insurance is definitely not one of those differences.

“Insurance should be bought to protect you against a calamity that would otherwise be financially devastating.”

In simple terms, insurance allows someone who suffers a loss or accident to be compensated for the effects of their misfortune. It lets you protect yourself against everyday risks to your health, home and financial situation.

Insurance in India started without any regulation in the Nineteenth Century. It was a typical story of a colonial epoch: few British insurance companies dominating the market serving mostly large urban centers. After the independence, it took a theatrical turn. Insurance was nationalized. First, the life insurance companies were nationalized in 1956, and then the general insurance business was nationalized in 1972. It was only in 1999 that the private insurance companies have been allowed back into the business of insurance with a maximum of 26% of foreign holding.

“The insurance industry is enormous and can be quite intimidating. Insurance is being sold for almost anything and everything you can imagine. Determining what’s right for you can be a very daunting task.”

Concepts of insurance have been extended beyond the coverage of tangible asset. Now the risk of losses due to sudden changes in currency exchange rates, political disturbance, negligence and liability for the damages can also be covered.

But if a person thoughtfully invests in insurance for his property prior to any unexpected contingency then he will be suitably compensated for his loss as soon as the extent of damage is ascertained.

The entry of the State Bank of India with its proposal of bank assurance brings a new dynamics in the game. The collective experience of the other countries in Asia has already deregulated their markets and has allowed foreign companies to participate. If the experience of the other countries is any guide, the dominance of the Life Insurance Corporation and the General Insurance Corporation is not going to disappear any time soon.
The aim of all insurance is to compensate the owner against loss arising from a variety of risks, which he anticipates, to his life, property and business. Insurance is mainly of two types: life insurance and general insurance. General insurance means Fire, Marine and Miscellaneous insurance which includes insurance against burglary or theft, fidelity guarantee, insurance for employer’s liability, and insurance of motor vehicles, livestock and crops.

LIFE INSURANCE IN INDIA

“Life insurance is the heartfelt love letter ever written.

It calms down the crying of a hungry baby at night. It relieves the heart of a bereaved widow.

It is the comforting whisper in the dark silent hours of the night.”

Life insurance made its debut in India well over 100 years ago. Its salient features are not as widely understood in our country as they ought to be. There is no statutory definition of life insurance, but it has been defined as a contract of insurance whereby the insured agrees to pay certain sums called premiums, at specified time, and in consideration thereof the insurer agreed to pay certain sums of money on certain condition sand in specified way upon happening of a particular event contingent upon the duration of human life.

Life insurance is superior to other forms of savings!

“There is no death. Life Insurance exalts life and defeats death.

It is the premium we pay for the freedom of living after death.”

Savings through life insurance guarantee full protection against risk of death of the saver. In life insurance, on death, the full sum assured is payable (with bonuses wherever applicable) whereas in other savings schemes, only the amount saved (with interest) is payable.

The essential features of life insurance are a) it is a contract relating to human life, which b) provides for payment of lump-sum amount, and c) the amount is paid after the expiry of certain period or on the death of the assured. The very purpose and object of the assured in taking policies from life insurance companies is to safeguard the interest of his dependents viz., wife and children as the case may be, in the even of premature death of the assured as a result of the happening in any contingency. A life insurance policy is also generally accepted as security for even a commercial loan.

NON-LIFE INSURANCE

“Every asset has a value and the business of general insurance is related to the protection of economic value of assets.”

Non-life insurance means insurance other than life insurance such as fire, marine, accident, medical, motor vehicle and household insurance. Assets would have been created through the efforts of owner, which can be in the form of building, vehicles, machinery and other tangible properties. Since tangible property has a physical shape and consistency, it is subject to many risks ranging from fire, allied perils to theft and robbery.
Few of the General Insurance policies are:

Property Insurance: The home is most valued possession. The policy is designed to cover the various risks under a single policy. It provides protection for property and interest of the insured and family.

Health Insurance: It provides cover, which takes care of medical expenses following hospitalization from sudden illness or accident.
Personal Accident Insurance: This insurance policy provides compensation for loss of life or injury (partial or permanent) caused by an accident. This includes reimbursement of cost of treatment and the use of hospital facilities for the treatment.

Travel Insurance: The policy covers the insured against various eventualities while traveling abroad. It covers the insured against personal accident, medical expenses and repatriation, loss of checked baggage, passport etc.

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.