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The world of online business has become fiercely competitive. To survive and sustain on this platform, a company needs not only a beautiful, well-designed and functional website, but also aggressive website promotion efforts to make sure that the site draws in the desired number of visitors.In the massive crowd of millions of sites offering similar products/services, getting the website noticed and pulling in hits is one of the biggest challenges faced by a modern-day business. Unless you use creative and result-oriented site promotion techniques, your website is going to just sit idly on the web; existing, but invisible.Some ways in which you can promote your site and enjoy online business success are:Search Engine OptimizationSearch engines are great sources for targeted web traffic. There are a number of on-site and off-site optimization techniques through which you can make your website search engine friendly and improve its visibility for your target customers.Writing Blogs and ArticlesMaintaining a blog is a great way of connecting with interested readers and prompting them to visit your website. Another way of attracting qualified traffic to your website is by writing high quality, informative and interesting articles and offering them for free publication on different sites, blogs, e-magazines, etc. Your website link is added at the end to bring in the traffic.Using Social Media Almost all internet users are to be found on the social networking sites. Maintaining a business profile on these sites and interacting informally through it with your prospects and customers is an effective site promotion technique.Affiliate MarketingIn Affiliate Marketing, your site link is carried on the site of your associate/partner who gets a commission on every visitor coming in to your site by clicking on that link. It is quite an effective method of site promotion.Reciprocal LinkingGetting your website link posted on the other relevant or associated websites is an excellent way of promoting your own site. You should identify such related websites where you can leave your link and expect interested visitors from that site to move on to your website. Mail the webmasters with a request for dropping a link on their websites and offer to carry their link in return.Whatever you do for site promotion, just remember that your competitors are also doing the same, maybe even more. Therefore, these promotional techniques have to be continued on a consistent basis. Actually, online business is serious business and involves a lot of technicalities that are understood only by professionals with the relevant knowledge. Website building and promotion should be left in the hands of such experts. If you want to get in touch with the online marketing experts in your area for the promotion of your business website, you can find suitable options by searching on a reputable, high-traffic online local business directory.

Technology changes the way we work, live our lives, and have fun. Technology can empower businesses with improvements in productivity, faster development and production cycles, superior decision making by employees, and enhanced customer service. But deriving these benefits from incorporating new technology is not always a smooth process. Technology is often, at first, disruptive before it becomes empowering.Although the ideas developed in this article may have general applicability, they are mainly intended to relate to the incorporation of new information and communications technologies into business processes. Information technologies involve computers and their peripheral equipment as well as the data flow across local area networks. Communications involve any voice and video activity including the telephone system and related equipment as well as the communications pathways creating the wide area networks.Technology Changes Business ProcessesEvery action conducted within a business is part of one process or another. Sometimes the processes are easily defined and readily observable, as in the path of a purchase order. At other times, the process is not so clear but nevertheless it still exists even if by default.New technologies are introduced into business to:
Speed up existing processes
Extend the capabilities of existing processes
Change the processes
In changing the processes, the new technologies will often allow new ways of conducting business that were not previously possible.Other than simply speeding up existing processes, new technologies will be disruptive when first introduced. This results from having to change patterns of behavior and/or relationships with others. When disruption occurs, productivity often suffers at first, until such time as the new processes become as familiar as the old ones. At this point, hopefully, the goal has been achieved of reaching a higher level of productivity than the level at which it started before the introduction of the new technology.Therefore a common cycle that occurs with the introduction of new technologies includes:
Disruption
Lower productivity, and, finally,
A higher plateau of productivity than the starting point
The obvious goals for introducing new technologies are to:
Minimize the disruption
Minimize the time it takes to increase productivity
Maximize the gain in productivity
In achieving these goals it is helpful to understand the:
Context in which the processes operate, that is, who will be impacted by changes in the specific processes affected
Democratizing potential of technology
Types of people that will react in very different ways to new technologies
The processes by which a company operates and the introduction of new technologies do not exist in isolation. Both of these exist within a context that may be a part of and affect:
The social relationships within an organization and possibly with companies with whom you conduct business
Political (power) structures within an organization
How individuals view themselves and their abilities
Technology can be democratizing. If it is used to create and disseminate information useful to the mission and goals of the business, it can be a great equalizer between “levels” of management and staff. The key word is “disseminate.” If access to the information is decentralized, and easy communication of the information is allowed, then “front line” workers can improve the quantity and quality of decisions they make without having to involve layers of management.Types of People from a Technology PerspectiveFrom a perspective of introducing new technology into your company, you may find it helpful to understand the following four types of people:
Innovators/embracers
Enthusiasts
Acceptors
Naysayers
Innovators/embracers will investigate new technologies on their own. They will sometimes be helpful to introducing new technologies that would otherwise not have been known to the company. They will sometimes be a “thorn” in pushing for new technologies they think will be useful (or just “neat” to have) but do not fit the company’s agenda or objectives. These people will embrace new technologies when introduced by others, will often be the first ones to fully incorporate and make use of it, and could help others to fully utilize new technologies.Enthusiasts will accept new technology enthusiastically. They won’t usually seek it out but will be eager to incorporate it into their processes where appropriate. As a result of their openness, they will often readily learn how to use the new technology and may also be useful in assisting others through the learning process.Acceptors will accept new technology because it is required. They will not seek it out. In fact, they will often try to avoid it at first until they are forced to accept it. Once they understand the new technology is here to stay, they will willingly learn how to benefit from it or, at least, live with it.Naysayers habitually oppose new technologies and often are very vocal about their opposition. They often gripe about any changes and will often never change if they don’t have to or they quit before they are made to change “the way they do things.”The productivity vs. time curve will look different for each of these types of people. Think of how each person in your own organization fits into these four types. Think of how that impacts deriving the full benefits that you’ve carefully targeted. Think of how that impacts your ability to discover additional benefits once the technologies are implemented. Understanding the differences can help smooth out the rough spots during and after the implementation process.Lessen the Disruption; Increase the EmpowermentUnderstanding the context in which processes exist, the democratizing potential of technology, and the types of people will help you achieve the goals stated above for a more rapid payoff from a smoother introduction of new technologies.In addition, make the new technologies transparent to the user or, at least, make them as intuitive to operate as possible. Extra time in pre-planning the introduction of new technologies and training employees in the use of the technologies can provide a return many times greater than the hours spent in planning and training. You can achieve faster increases in productivity, reduced impact on customers, and lower burdens on support staff.With proper planning and training, the productivity curve will increase at a faster rate and to a higher level than it might otherwise have achieved

To excel at site promotion, you have to have the insight of the methods used in site promotion. Following are 5 ways to excel at site promotion -Affiliate Marketing – For a lucrative site promotion, affiliate marketing is one of the best ways. Use affiliate marketing to get your site name across people many times that directly come to your site. Affiliate marketing makes your site name popular and increases the number of visitors to your site. More people get your name and so your site becomes popular.Advertising – Advertising is another great tool for lucrative site promotion. Advertising carry your name to people, make them aware of your site’s existence, provides them knowledge about what your site is about and creates customers. You can advertise online or in the print media. Both have different audience who may become your customers.Search engines – Use search engines to promote your site. Try to get best ranking in the search engines. With good content and SEO keyword use in the content, you can get a good rank in the search engines. A good rank ensures that your site is visible to the search engine users and it is used by them and trusted.Ezines – ezines will help you in article marketing. It is essential for lucrative site promotion. Ezines will get you more visitors and links. More people will come to your site from the links available through the article marketing.Referrals – Referrals will help you to promote your site and excel at site promotion. Referrals promote your site faster. Referrals from the visitors, friends, and affiliates will get your more name and fame and more visitors.

Internet entrepreneurs can be the wiser with practical knowledge about the value of business to business online sales. What normally happens on the web is that new business owners attempt to rake in cash as quickly as possible.While on the surface this seems like good old-fashioned common sense, the current Google online algorithms tend to favor a much different approach. Today, the true value of Internet merchandising revenue lies in the establishment of impeccable customer relationships.Whereas a quick cash sale can give instant liquidity to daily profits, a long-term and loyal relationship with the client is worth nearly a LIFETIME worth of sales, not to mention the accompanying referrals which come from their associates, friends, and loved ones.The generation of business to business online sales also involves the development of an outstanding website presence — that is, one which carries the perception of highest value in goods and services procured.Yet, how does a business owner online fulfill the requirements of having an image that is as large as life will allow?For the average online entrepreneur, it may seem enough to simply market to readers, surfers, and visitors from the general public. However, the term “business to business online sales” actually does contain a very important clue on how to reach this coveted goal.Meaning, the focus here is NOT specifically upon typical online daily consumers. Rather, it should zoom in upon helping to satisfy both the desires and needs of OTHER companies or organizations.Almost every wise online entrepreneur knows that the general public tends to perform online shopping in spurts which are based upon passing whims, flashes of desire, or fashionable trends that quickly fade.Conversely, Internet firms maintain a consistent need to satisfy overhead expenses and obtain supplies that are essentially ALWAYS needed for daily operations. This occurs REGARDLESS of the above outside circumstances.Simply put, businesses MUST remain within the status of active client pursuit, customer service, and consumer satisfaction… even during times when profits and sales are lower than intended. With that said, there is only way to basically remain afloat in the world of e-commerce and website marketing.The solution lies with the procurement of business to business online sales activities. Such online business activity comprises an expansive combination of:– Attention and solutions for the commercial needs of growing companies in addition to a vigorous consumer marketing effort…– The creation or promotion of advertising videos, because web visitors are now excited by visual communication as much as written words or text on a page…– The addition of joint venture efforts, whereby two different companies help each other to provide a third business (or the general public) with unique goods and services that one firm cannot handle alone.

A personal loan can be a lifesaver. If you are so far behind on bills that you worry things will start getting shut off, or your children need money to go away to college with, you can feel downright desperate. Desperation can lead people do scary things, but not when you can be backed up by a payday loan. In many cases, a loan is the right direction to go in. There are just some things to think about prior to signing the loan papers.1. There are different types of personal loans.A payday loan is different from other types of loans. A personal loan could be considered any type of loan that is borrowed for personal reasons. It might be to pay bills, it might be to help a family member out, or it might be to get holiday gifts for your children. The loans are given for personal reasons, but they can vary as far as their terms.In most cases, payday loans are extended with the promise that you will repay the loan with your next paycheck. Whether your paychecks come in biweekly or weekly, these loans are extended more on your income than your credit history. Not all loans are so forgiving. Some other forms of loans require you to put up collateral, consent to a credit check, and provide extensive proof of your income and financial matters. A payday loan is much easier and faster to secure.2. You do not always have to put something up for collateral.Do not let any lender make you believe that a car note or mortgage deed is always needed before taking out a personal loan. You can get many payday loans without any collateral! If you can sign off on a car or something else you might be able to get a more sizable loan, but you will also take on a lot more responsibility since you have a lot more to lose if something goes wrong.3. Your credit does not always have to be an issue.Many payday loan lenders will give a personal loan without checking your credit. They are more interested in how much income you have, since that better predicts your ability to repay the loan.4. Always read the fine print before signing on the bottom line.Every lender will have their own terms and conditions for a loan. This is not something that you can just sign off on and read later. Read every word of the fine print prior to consenting to the loan, even if you are taking the loan out online.5. Honestly assess your ability to pay back a personal loan within the required time frame.You don’t want to get into the cycle of borrowing personal loans to cover personal loans. Make sure you can repay what you borrow in the stated time frame. Otherwise, it is not a good loan for you at this time.
If you have thought through all five of these considerations and still believe taking out a personal loan is your only option at this point, then it might be safe to proceed. For many people, a payday loan can be a complete lifesaver. It just has to be something you go into with complete understanding of the risks.

Every American dreams of the amazing invention called car. The car dream is passed over from one generation to another. Everyone wants to get behind the wheels of a brand new car. Truly, buying a new car is the perfect dream.When you set out to own a new automobile, auto loans become a necessity. This is because most new cars cost a pretty penny. Also, most of us don’t have ready cash to incur such an expense. If you are looking for a new auto loan, this comprehensive article can solve your problem.Best Time to buy a CarMost experts will suggest that it’s best to buy a car in the last quarter of the year. But, when you need a car, you need a car. You cannot wait till the year-end shopping season to buy what you need. The best time to buy a car is when you want it.Why Auto Loans for New Cars are LESS EXPENSIVE now?There are many lenders and auto financing companies who offer year-round great rates on new car loans. This is because of the constant cut-throat competition in the auto financing market. You can easily get approved for a low rate auto loan if you follow the following tips.How to prepare for buying a New Car with Auto Loans?Financial – WISEEvery great decision begins with planning. When you even decide the color of your new car in advance, why not plan your budget. A wise car buyer never discounts the importance of planning. Calculate your income and expenses. Once you know the amount that you can spend on monthly payments, you will see things in a better light. It will help you to decide on the loan amount and the car as well.Credit ScoreGetting a good score was important in school, it’s important even today. Understand that a better credit score will ensure better rates. If you have bad credit history, try to improve it before applying for a new car loan. Also, don’t forget to check your credit report because it may contain errors.Down Payment to avoid Dangerously High RatesDown payment is the wonderful life-saving drug in the world of auto financing. Paying 10% of total car loan cost as down payment can work wonders for you. Don’t worry if you don’t have money to make down payment. Use your old car as a trade-in. But, make sure that the car doesn’t have any lien because it will make matters worse.When you buy a new car, car manufacturers offer cash rebates. You can use that money as down payment so that you don’t have to lighten your wallet. E.g. If you buy a new 2013 Ford Fiesta in Seattle, the company offers $1500 in cash-back scheme. If you buy a Chevrolet Camaro ZL1 in the same city, you will get $1000 as cash rebate.Can you find a Co-signer?Finding someone with a good credit score can be ideal for any auto loan. As the new car loan amount is more than the amount of financing a used car, lenders want to ensure safety. They feel more secure when they have a co-signer in picture.Choosing the LenderUnderstand your situation before filling the new auto loan application form. It will help you in choosing the best auto loan program. If you are a first time buyer, many lenders as well as car manufacturers can offer you an auto loan under first time car buyer program. If you are college student, there are many college discount programs available.A bad credit borrower must ensure that he applies at a sub-prime lender only. Go for a lender that offers auto loans to low-income car buyers if income is a problem for you.When you apply for auto financing for a new car, you have many options for getting car financing:
1. New Car Dealerships who offer financing
2. Online Auto Financing Companies
3. Auto Lenders
4. Banks
5. Car Manufacturers’ Financing CompaniesConsider every option so that you choose the perfect auto loan program with lowest interest rates and flexible loan terms. Trust only those lenders who are reputed. Also, ensure the safety of the websites before filling the online auto loan application forms.Take your time in choosing an auto loan for your new car. If you choose an affordable car loan, it will help you in getting better rates in future.All the best for choosing the best!

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.