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Entertainment is an important part of our lives. There’s virtually no one in this world who does not want to laugh or have fun among friends and family. Quality entertainment helps enliven the spirits and makes feel fresh and alive. The best entertainment suspends reality for a while and takes to a new place and leave behind all worries and troubles.So how much should you spend from your pocket for entertainment at your party or reception? In today’s world whatever we do, budget plays an important factor. Keeping this in mind, we should also plan for our budget when it comes to entertainment for a party or wedding reception.Always remember that the key towards entertainment is to get the maximum of enjoyment without spending huge amounts of money. Of course it depends on the type of entertainment option that you are choosing for. Going for a high profile party or some event in a five-star hotel will always and automatically cost you more than arranging for a small party at a friend’s place. Based on the type of event, you need to plan for the budget. Normally with a few hundred to thousand dollars you can easily organize an event with good amount of entertainment.Spending for an entertainment or event also depends on the number of people coming to attend it. For example, if your party has around 100 people, it may cost you $500-1500 to organize your party’s entertainment. The amount will increase if the number of guests increases to 500. The type of venue that you choose is also a major factor to ascertain your costs. Organizing a small party at your own home or a friend’s place will cost much less than a big venue or banquet hall.As music is an integral part of entertainment, most events and parties include some type of music performances. If your event is going to be more than 4-5 hours or you have a theme to the entertainment, you may have to shed some extra money. However, it will may make your party more exciting and enjoyable and be worth of the money that you are paying.Always keep in mind that paying extravagantly does not always make a great party. You have to spend prudently yet effectively.

The act of investing in, or spending money, time and effort on a business or some other things, in hope of making a profit, best defines investment. It could be Real Estate, Mutual Funds, Stocks, Foreign Exchange etc. Whatever it is, there are rules and guides to achieving success in investments, which, when adhered to, result in achieving much greater heights of success.Considering the huge amount of risks associated with most investments, it is of vital importance, to know the rules and guides first, irrespective of one’s financial status, before one could engage oneself in an investment of any kind whatsoever, in order not to be an object of pity, due to a mistake, of not going by the rules.According to experts, the Securities And Exchange Commission (SEC) of the United States, defines an individual as an Average Investor if the individual has $200,000 or more in annual income, $300,000 or more in annual income as a couple, or $1 Million or more in net worth. This established requirements by the SEC is to protect the average investor from some of the worst and most risky investments in the world. These investor requirements also protect the average investor from some of the best investments in the world, which is one major reason why, one has to be just more than an average investor.In as much as there are millions of desirous investors that fall below average investors, it would be unfair and discouraging, to always mention of Average and Rich Investors without the poor investors, each time matters of investments arise. After all, both started from the scratch. A gradual process that metamorphosed them into becoming what they are today. One does not have to worry himself, provided there’s life, there’s hope for the common man and lots of investment opportunities ahead. Hence, starting out in an investment with a minimal affordable capital, is highly recommended for the poor investor, and with prudence, little efforts, time, hope, faith and patience, desired goals would be achieved.The most important thing in investments is, one’s mindset. The mentally preparedness to cope with the great task associated with investments. Nothing good comes so easy in life! One has to ask oneself, a few important questions before embarking on a journey to investments. These questions are:1. Am I really determined to start out in an investment?2. What type of investment is suitable for me?3. How much capital do I have to start out in an investment?4. Should I invest solely or jointly?5. How much is my risk appetite?When one answers these questions correctly and still has desire to forge ahead in investing his money in an investment, then, he’s qualified for the next stage of success towards investment.The type of investment that suites one, is totally dependent on the already existing investment types- Real Estate, Mutual Funds, Stocks, Foreign Exchange etc., the amount of one’s capital, and one’s special interest in specific investment types. All this put together, constitutes a guide to enabling him know exactly the investment type that suites him.The amount of capital needed to start an investment depends on individuality, and the nature of the investment. Capital, shouldn’t be a major issue here, as there are investments- stocks, one can invest in with a couple of cents. Hence, capital is virtually irrelevant, when considering penny stocks. And should never be a discouragement from investing one’s money in an investment.Investing solely or jointly is totally one’s choice to make. Both investments exist. As a beginner, investing jointly is highly recommended. Considering the inherent risks in investments, which will always be shared, as it would, for the profit, amongst the investors according to individual’s amount invested, is ideally suitable for a good start. However, investing solely, is beneficial too. Even more beneficial, provided one has all it takes to stomach the risks in one-man investments. The investment profits from investing solely, will never be shared with anybody other than the sole investor, who takes it all. Hence, the decision is left for one to make, considering suitability and convenience.Though tremendous amount of risks are involved in most investments. The larger the capital invested, the larger the probable risks. Also, the larger the capital invested, the larger the probable investment profits depending on one’s approach to investment. It’s a matter of proportionality. The opportunity of becoming a Rich, Average, or Poor Investor lies directly at one’s door step. This is the final stage and guide towards a greater change in one’s financial status depending on one’s risk appetite. Hence, a bold step together with strict adherence to the rules and guides stipulated in this article, becoming a rich investor is guaranteed.

Health Care reform… “What does it do for me?” “Is it going to be free?” “Will there be waiting lines at doctor offices?” “What about rationing?” These are all legitimate questions and will be addressed over the next few weeks.Efforts to change the delivery system of health care in the U. S. goes back over 100 years. However, the most well known attempt at reform was as recent as 1994 during the Clinton administration. The overriding goal of reform debate has been to get all Americans insured and relieve the system of treating patients who had no insurance.Providers then would shift the cost (I.e. cost shifting) to those who could afford to pay out of pocket or who had insurance. Consequently, the well to do and insured Americans saw their costs of health care rise disproportionately over time along with the premiums for health insurance.Since the failure of the 1994 attempt at reform, the health care system introduced “Managed Care” plans. These plans offered discounts in premiums to steer insureds into certain blocks of providers. These plans had a number of different looks, but the most common in the West Texas area was PPO plans.Managed Care plans helped alleviate the cost shifting stress for a while, but failed to bring more uninsured folks into the system. Eventually, as the number of uninsureds rose, premiums were forced higher and higher until today where it is not unusual for a family premium to be more than a house payment.Most estimates say 47 million Americans are without health insurance today. The original goal of reform debate when it was seriously renewed in 2008, was to force that 47 million people into the cost sharing arena.By March 23, 2010, the result of reform provided only modest incentives for those 47 million to participate in cost sharing system. Rather, the result ended up as insurance reform.On March 23, 2010, President Obama signed into law the Patient Protection and Affordable Care Act (PPACA). On March 30, 2010, the President signed into the law the Health Care and Education Reconciliation Act of 2010 (HCERA), adding certain amendments to PPACA. Combined the two laws comprise health care reform.The end result of reform will not reduce costs. The primary focus intended to get those 47 million Americans in the system as participating financial contributors by forcing them to purchase health insurance or open the health insurance markets up to insure those with pre-existing health conditions.The incentives to get more people into the system include:-tax credits for businesses who offer and help pay for insurance
-penalties to individuals and families who do not buy insurance
-elimination of pre-existing health condition exclusions by health insurance carriers
-premium subsidy payments to individuals and families who could not afford insurance
-expansion of MedicaidThese mandates along with a host of other mandates will be phased in over the next seven years, with the majority required by January 1, 2014. It is on this date that subsidies, penalties, and adult pre-existing condition limitations begin. Other prominent provisions begin on that date as well:-State run “Health Insurance Exchanges” must be operating
-Policies may no longer include limitations on annual benefits
-Wellness programs begin
-Group plans will not be able to extend waiting periods for insurance eligibility beyond 90 days
-Employers must begin to “certify” coverage.Other mandates require insurance companies to install important provisions by September 23, 2010:-Dependent children, whether married or unmarried, student or non-student may remain as dependents until age 26
-Group health plans may not set lifetime maximum benefit amounts on “Essential Health Benefits”. The Dept of Health and Human Services will be determining what “Essential Health Benefits” are by September 23
-Children under age 19 who have a pre-existing condition must be “guaranteed issue”
-Insurance companies may not rescind health insurance policies except in limited cases of fraud or misrepresentation by an applicant
-A $250 payment will be made to Medicare Part D (prescription drug plan) beneficiaries as the first installment toward closing the “donut hole” by 2020.Health plans in effect on March 23, 2010, or collectively bargained plans will be exempt from certain requirements and will retain the “grandfathered” status until, as yet undefined, policy changes are made. The grandfathered plans must still abide by dependent children to age 26 and benefit limitation rules. However they will be exempt from other more significant requirements that will be addressed in later columns.Grandfathered health plan premiums will likely be less adversely affected than post-grandfathered plans which will have to conform to many mandates. Most experts believe health insurance on January 1, 2014, could be well over 75% higher than a similar policy today.Very small group plans may give way to individual plans of insurance because the structure of health care reform blurs the line of distinctions between the two.In the meantime prior to September 23, 2010, insurance companies will distribute updates to small group plan sponsors the following items:-Children can remain on parents’ coverage until age 26
-elimination of lifetime benefit caps
-35% tax credit for offering and paying all or a portion of group health planThe next article will focus on group insurance reforms with more detail about the effects on small
businesses.

Home health care is the answer to your long-time agony of restoring your most treasured health without living in a hospital. During this age and time, the number of people with chronic diseases, mentally challenged and physically incapacitated is growing. That’s why health care services that are delivered at home are of great significance to their lives. It includes the finest package to restore your health and eventually be in good physical shape.The idea of living in the hospital to meet your medical challenges is really dreadful. Aside from the costly medical procedures in a health care institution, you also find it uncomfortable to live each day of your life in the hospital. The development of health home care deletes this inconvenience. These services help you regain your optimal health. But this doesn’t sacrifice the idea of quality services when you are in an excellent medical institution undergoing sophisticated treatments. These home care services use state of the art facilities and are delivered by experienced and competent medical staff. Through that you will never have to put your own health at stake.But, what are really the services offered by this health home care providers? First, we have the language and speech therapy. Victims of a physically debilitating stroke can still recover their communication skills with the help of a competent speech therapist. Yes, it is a long process. But at the end, you’ll surely reap the fruits of your sacrifices. These services can also focus on educating the family. As we all know, prevention is always the best cure. These services also teach the significant knowledge needed by these individuals as they struggle in maintaining good health. They can also educate the family members of individuals who have chronic diseases of thing they should and shouldn’t do if emergency occurs. They can further educate the youth against the evil and danger brought about by sexually transmitted diseases. With this, you just can’t provide worthwhile knowledge but can straighten their paths as well. Lastly, these services also concentrate in feeding the emotional and spiritual well-being of dying patients or those who have chronic diseases. They could still assist these individuals to attain a dignified death when their time comes or could still let hope shine despite the overshadowing of darkness, as in the case of chronically ill patients. Whatever the purpose of health home care may be, its ultimate goal is to be a part of a patient’s life. Truly, these medical staff members want nothing but the best and quality life for their patients.Being a part of a health home care staff is really mentally taxing and physically demanding. But, do you know what makes this career path worth the sacrifices? It is the smile of the patients whenever you touch them with care and their satisfied hearts whenever you smile back at them. At the end of the day, you can truly say that these services don’t only provide purely medical treatment and health knowledge, but this career also touch lives as they become part of a patient’s heart.

#EANF#

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).

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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.

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.

US Markets were trading in the green on Friday with Dow 30 trading at 30,678.80, up by 1.14%. While S&P 500 was trading at 3,701.66, up by 0.98% and Nasdaq Composite 10,690.60 was also up by 0.71 per cent

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US Markets in green on Friday; Dow 30 up over 345 points, Nasdaq Composite, S&P 500 up nearly 1%
Earlier today, Indian stock markets ended the week on a winning note. It was the sixth straight gains for equity markets. Source: Reuters
US Markets were trading in the green on Friday with Dow 30 trading at 30,678.80, up by 345.25 points or1.14 per cent. While S&P 500 was trading at 3,701.66, up by 35.88 points or 0.98 per cent and Nasdaq Composite 10,690.60 was also up 75.75 points or 0.71 per cent. A Reuters report said that today’s strength was on the back of a report which said the Federal Reserve will likely debate on signaling plans for a smaller interest rate hike in December, reversing declines set off by social media firms after Snap Inc’s ad warning.

Source: Comex

Nasdaq Top Gainers and Losers

Source: Nasdaq

Earlier today, Indian stock markets ended the week on a winning note. It was the sixth straight gains for equity markets. The BSE Sensex ended at 59,307.15, up by 104.25 points or 0.18 per cent from the Thursday closing level. Meanwhile, the Nifty50 index closed at 17,590.00, higher by 26.05 points or 0.15 per cent. In the 30-share Sensex, 13 stocks gained while the remaining 17 ended on the losing side. In the 50-stock Nifty50, 21 stocks advanced while 29 declined.