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The United States Government has been presenting several schemes and plans to help the American residents enjoy health insurance benefits to the fullest. “Obamacare” is one such scheme that provides health insurance facilities for both the high-income and low-income groups in America. However, a report from a Washington D.C. firm, named Avalere Health, reveals that the price for one of the plans in Obamacare, called the silver plan, will rise to about 34% in 2018. The silver plan provides a decent coverage policy and is a bit high on the monthly premiums. For those who cannot afford to pay such high premiums; they need not worry, as there are policies besides this and a subsidy scheme, which will provide health insurance at low cost. While shopping for cheap health insurance plans, one should have sound knowledge about health insurance policies. Senior Vice President of Advisor Services at Manning & Napier, Shelby George advises the shoppers to always look for how much coverage is provided for the costs a company provides. In other words, one should not get carried away by the cheap rates, but should rather focus on how much coverage the insurance companies are providing for those cheap rates they advertise.In order to get best cheap health insurance, here is an explanation of the different policies available and a description of, whether one can get insurance for “free”.Subsidies and other Health Insurance Plans:With an aim to provide all Americans with Health Insurance coverage, one of the many useful plans proposed by the Government, is that of ‘subsidies’. A subsidy, in simple words, is the amount paid by the Government to the insurance companies to provide health insurance facilities to those with low incomes. This means that people falling into the low-income group will be able to enjoy health insurance benefits through the use of subsidies, which would otherwise be rejected by insurance companies on any other short-term policy claim.An individual who earns about $48,000 and a family of 4, which earns somewhere less than $98,000 are those who can enjoy the benefits of subsidies. Hence, people with low incomes can enjoy good cheap health insurance with the help of subsidies. However, these subsidy schemes proposed by the Obamacare plan are more likely to be altered or eliminated on the whole by the Trump administration.Talking about other health insurance plans, a silver plan will cover up to 70% of a person’s health care charges while a bronze plan will cover up to 60% of the costs and the remaining percentage of charges will have to be paid out of the person’s pockets. Now, comparing these two plans, if one wishes to spend absolutely NO money out of one’s pockets, then choosing a bronze plan along with a subsidy will be of great help. For those who cannot afford to pay out of one’s own pockets, the bronze plan coverage of 60% along with the remaining 40% covered by subsidies will help to enjoy cheap health insurance.What Type of Policy One Can Choose?The first step to get hold of the best cheap health insurance is to be aware of what policy suits one’s needs. Here is a list of two options explained briefly, so that one can choose the best fit.1. Short-Term Policy: A short-term policy is for those people, who do not qualify to avail subsidies. In other words, people for whom it becomes ‘unaffordable’ to get health insurance are advised to choose this policy. Here the term ‘unaffordable’ is described as the cost that exceeds above 8% of an individual or a family’s annual income. According to, Nate Purpura, the Vice President of Consumer Affairs (ehealth.com), individuals whose income ranges from $49,000 to $69,000 and families that earn somewhere between $99,000 and $129,000, are supposed to go for short-term policies.Hence, if one finds it difficult to pay expensive premiums and avail health insurance, then going for the short-term policy is highly recommended. However, there are no penalties if one doesn’t wish to have any health insurance. But, on a positive note, it is beneficial for the individuals themselves, if they have some financial protection that will be of benefit in unfriendly circumstances.Here are a few noteworthy details about short-term policies:

These policies usually last up to 3 months and can be extended till 9 months (in 3-month period renewal).

According to the new rules proposed by President Trump, having a short-term policy will be mandatory for all individuals. However, this rule has not yet been passed, but will soon be in effect.

These policies do not provide coverage for pre-existing illnesses, i.e. diseases that one is suffering from, before applying for the policy.

If at all one wishes to include such pre-existing illnesses in the coverage plan, then the premiums will increase substantially.

Unlike Obamacare schemes, short-term policies will not cover charges for maternal care, injuries due to abuse, and mental health treatment.

On having a short-term policy, one can avail decent health care facilities at about $100 premium a month.

On an overall basis, despite the low coverage options it provides, those who are looking for cheap health insurance for individual or cheap health insurance for families, can avail great benefits from this policy.2. Combined Policy or Combo of Policies:Traditional policies or in other words plans with higher premiums will provide coverage for all the expensive hospital bills in case of risky illnesses or accidents. Whereas, choosing short-term plans will simply cover the normal doctor-visits. But if one wishes to avail the benefits of both the policies, i.e. get coverage for risky illnesses as well as for normal or routine sickness (like a cough, cold, fever), then insurance companies these days are offering combo packages.In the recent past, people used to apply for both policies separately in order to avail coverage in both cases. This was getting difficult for the insurers to calculate different percentages and amounts; hence the plan for combo policies came up, allowing people to avail both benefits within a single policy. However, as evident as it seems, going for these policies will definitely cause one to pay premiums higher than usual.So a gist of all the above-discussed points is that one should not always get attracted by offers that merely advertise of providing cheap health insurance for individuals, instead one should look for the quality of coverage they provide for the cheap insurance rates. Shopping for health insurance also requires thorough research and study, just like any other insurance policies. Since this is an issue concerning one’s health; it is nowhere worthy to just be worried about money. Quality service always comes at pay hence one should be wise enough to search for policies that provide affordable and quality health insurance plans.

Marketing automation is one of the great processes that help businesses not only to automate their repetitive marketing tasks, but they can also help to track and measure the performance of campaigns. Using this tool, you can also boost productivity as well as improve efficiency by decreasing manual actions. If we talk about marketing automation, it primarily refers to a category of software which helps to automate, measure and streamline the marketing tasks and workflows in an efficient manner. Whether you are owning a big MNC or have just started a new venture, marketing automation is a must for you. Here’s why you should use this software: -Generate Top Quality LeadsIn any business growth, one of the most important steps is lead generation. By using robust marketing automation solutions, you can generate top quality leads. This will give you more detailed and richer picture of prospective customer behavior. What’s more, you can drive wider marketing campaigns such as customized emails, trigger-based marketing messages, Twitter/Facebook messages, etc.Make Informed Decisions with Better DataFew businesses know how to collect/utilize big data. Marketing automation will give you an ultimate platform for analytics and dashboard systems, collecting/storing data, and closed-loop reporting. Such platforms are also the robust solutions that not only help to measure campaigns but also aid to determine consumer behavior with a limited budget.Boost Your Company RevenueInvesting in marketing automation platform can help you to justify the upfront investment if you utilize it in a proper way. This will aid you to increase sales opportunities from top quality leads. You will get good returns on your investments with the automation process.Streamline Your Sales and Marketing ProcessesWith the best solutions, you can streamline your sales and marketing process. In Sales and marketing, communication is the key to make the entire process smoother. Through automation, lead qualifying and nurturing have become easy.Generate Detailed ReportsThis software also helps to monitor and track all the channels in an easy way. Once you get data, you can create insightful reports to save them. The report will help you analyze the graphs and statistics of different campaigns and determine which campaign is performing well.Time SaverIf you are facing problems to automate your regular marketing tasks, then using marketing automation software is the best decision for you. It will aid you not only to automate your marketing tasks but also to save time. Hence, you can do more focus on other marketing strategies. What’s more, you can also make campaigns for sending scheduled-customized emails to the customers, automate messages for different social media channels, and set-up auto-responders for daily follow-ups.Give Excellent Customer ExperienceThe main feature of marketing automation is that you can give a great experience to your customers using this software. When it comes to this technology, it helps to send behaviorally triggered emails without any hassle. Whether you want to browse through certain products, sign up emails or abandon items in the basket, this solution can help.In other words, we can say that marketing automation is a powerful tool that helps entrepreneurs to grow their business. But all you require is to find out the right platform just for you.Top 6 Marketing Automation Software that Every Business Owner Should UseHere, we bring to you an extensive list of top marketing automation tools available that you can choose which fits the best just for you.Hotspot – The Best Ever Marketing Automation SoftwareIn the marketing world, one of the well-known names is Hotspot. Using this inbound marketing software, you can easily automate a large number of tasks at a scale. This will also aid to customize highly targeted and sophisticated workflows with a visual editor. It is also useful to manage complex campaigns or follow-up messages in a simple way using multiple touch-points in the entire customer journey. If you want to automate your mails using drip campaigns, then this is the best software for you. If we talk about the monthly fee, you will find it nominal.Active Campaign – The Ultimate Software for Small BusinessesNumerous businesses prefer to use Active Campaign for marketing automation. Being the best visual automation builder, it comes with drag and drop functionality on the market in today’s date. The best part is that anyone can use it easily. No matter, whatever your skill level is – you can easily set up both simple as well as complex marketing automation. This software has everything ranging from event tracking to site tracking and automation goals to split actions. Coming to its subscription, it comes with eCommerce integrations, lead scoring, and email marketing.GetResponse – Come Equipped with Best FeaturesIf you are looking for the most affordable and powerful marketing automation solutions, then using GetResponse will be the best answer. This software is ideal for large organizations and small businesses. This is the best platform to automate marketing processes. Using this tool, you can enjoy a host of benefits such as get engagement from website traffic, recovering abandoned carts, and boost sales. What’s more, you can easily set up an automated customer journey by applying filters, actions and conditions.OptinMonster – Perfect For Generating Landing Page LeadsIf we talk about OptinMonster software, it is quite different as compared to other platforms. This is an ultimate custom acquisition and lead generation tool that will let you boost sales, minimize cart abandonment and grow your email list. Using this platform, you can easily design website campaigns, pop-ups and high-converting landing pages. Once you sign up, you will get risk-free 14 days. However, if you are not fully satisfied, then you can get a 100% refund without any question asked.Salesforce Pardot – Ideal for B2B MarketingIn today’s date, one of the well known and most reputable CRM solutions is Salesforce. No surprisingly, this software gets the top ranking on the list. It is specially designed for B2B organizations. Some key features include sales integration, email marketing, smart lead generation and smooth lead management. It uses AI power to devise the best sales strategy and improve marketing efforts. With its insightful report, you can easily determine which campaigns are working and what need to be improved. Also, it offers an affordable pricing plan to choose from.ConvertKit – Enhanced Software for NewbiesFor those who are using marketing automation software for the first time, investing in ConvertKit will be the best option. However, it is considered as the best email marketing software; but it has more advanced features. Whether you are selling SaaS, running an e-commerce business or a content site, you can get success using this tool. It offers a free forever plan to up to 500 subscribers. But there are no visual automation funnels.To sum up, finding the right marketing automation tool for businesses is a very daunting task. Mostly, there is no single platform that is perfect for everyone’s solution. So, you have to select the tool according to your specific needs. So, what are you thinking? Just select the right platform today and improve your marketing processes dramatically.

Environmental Health ManagementThe OH nurse, particularly in those organizations, such as SME’s, who may not have a designated environmental health manager, can advise the company on simple measures to cut the use of natural resources, minimize the production of waste, promote re-cycling and make sure that environmental health management is placed on every organizations agenda. The OH nurse can also find appropriate specialists in their locations to advice or deal with environmental health management. The occupational health nurse may give by taking these issues forward in the absence of other specialists.Adviser to management and staff on issues related to workplace health management.OH nurses involved in workplace health management can sometimes be asked to act as advisers to management and staff on the development of workplace health policies and practices, and can fulfill an advisory role by participating in, such as, health and safety committee meetings, health promotion meetings, and may be called upon to give independent advice to managers or workers who have specific concerns over health related risks.As a liaison to other external health or social agencies.OH nurses act in an advisory role when seeing people who may have problems that, whilst not directly related to work may affect future work attendance or performance. The nurse may be involved in advising people to seek advice from their own family doctor or general practitioner, or other external agency that may be better placed to aid the person.Health educator & Health Promotor.Health education as one of the key prerequisites of workplace health promotion is integral aspect of the OH nurses’ role. In some countries the nurse is required to support activities for adoption of the healthy lifestyles within on-going health promotion process, as well as take part in health and safety activities. OH nurses can carry out a needs assessment for health promotion within the company, prioritize activities in consultation with management and workers, develop and plan right interventions, deliverer co-ordinate the delivery of health promotion strategies and can play a valuable role in evaluating the delivery and achievements of the health promotion strategy.CounselorIn the small or medium-sized company the occupational health nurse may be the only health care professional present most of the time and they can help people working there in dealing with mental health and work-related stress. For many people the occupational health nurse, working at the company level, may be the first point of contact with health care providers and these nurses can do much to make sure that people are referred to the right agency.Health Needs AssessorA specialist OH nurse will need to be well skilled in undertaking a nurse-based health needs assessment at both the individual and the organizational level. This type of assessment can be used as the basis for individual case management or occupational health program planning. OH nurses may use research based skills in carrying out the assessment, in handling the data generated in the assessment and in interpreting the results and advising management acting as a member of the multidisciplinary team.Evidence Based Practitioner Increasingly all health care providers are using evidence based approach to practice that requires the professional to seek the best available information on which to base their practice. Occupational health nurses are skilled in searching the literature, reviewing the evidence available, which may be in the form of practice guidelines or protocols, and applying these guidance documents in a practical situation.Occupational health nurses should be well skilled in presenting the evidence, identifying gaps in current knowledge, and allowing others to review critically the implementation of care plans based on their assessment of the evidence.EpidemiologistThe most widely used and accepted form of investigation into occupational related ill-health and disease is based on large-scale epidemiological studies. Occupational health nurses are advised to become familiar with the principles and basic methods used in epidemiology.This concludes the four-part series the core areas of knowledge of the occupational health nurse

Looking for ways to generate money is becoming a very difficult job nowadays. So, many creative entrepreneurs have experimented with the Internet to assess whether it is possible to earn money with the use of this so called “information superhighway.” With their venture, they found that it is indeed possible to earn money from the Internet and business online. What more, the opportunity online is vast and wide so entrepreneurs have great chances to improve or expand their businesses.In this article, you will learn how to establish a profitable online business. Like founding a business enterprise, you need to make the right preparations before venturing or investing further. For an online business to flourish or succeed, you should be very well-versed with the Internet so that you know what you should do to ensure that the business will grow or gain profits, just like any other business.Also, you need to realize that the Internet and business online work hand in hand. By realizing this, you can now target to optimize your opportunities by examining all your options. Another thing that you should do before actually starting an online business is to pinpoint the field or sector where you will focus your business. It could be streaming media, selling software, online advertising, operating a website and offering a price comparison service.Additionally, you should have a passion for the chosen business that you are going to invest in. This way, you will also enjoy what you are doing and this is very important so that you will not feel bored in the long run. To promote your business, you will no longer need to look further because you can advertise through the Internet.When you have finally started your business online, it’s now time to know how to manage it. You can say that you can continue your relaxed attitude because you are operating an online business. But, this line of thinking is wrong because you have to be committed and focused to ensure success. You can’t just sit there and wait for profits to start generating; you also have to do your share by doing the promotions and advertising. But, you don’t have to spend too much on this aspect.The increasing usage of the Internet meant that the chances for your business to be noticed have grown and you have to exploit these opportunities. Take for example; you have an online business that offers to sell software and other computer tools. How can you tell Internet users of these products that you are offering? Advertising could be the answer, but this is quite expensive. So, choose the one where you can save and this can be done by writing articles, which will lead users to your website.With the tips offered here, you can now confidently say that you can build a successful business online. You also learned that through the Internet and business online, you will have the chance to finally make it big and earn millions if you are very determined.

A personal loan is the loan borrowed to meet personal requirements. This type of loan can be obtained from a bank or other organization lending loans and making a clear agreement for repayments specifying the monthly installments and due dates for payments. If you go for a personal loan, you should ensure that you make the payment of installment between the specified dates or it may amount to losing your property, if you are a defaulter.The repayment amount will include the part of principal amount borrowed and the interest accrued according to the terms of agreement. You will have to repay the stipulated amount each month to the bank, house building society or the institution from where you have borrowed the money. The amount of loan approved will either be decided by you according to your capacity to return the loan easily or by the lender as he may assess.The personal loan can be utilized for different personal uses such as for your business, to purchase a vehicle, for making a holiday trip, to renovate a house or to meet unforeseen expenses, etc.There are two types of personal loans. One is a secured mortgage and other is unsecured loan. A secured loan is available against mortgaging any property to the loaner as a security against any default in returning the loan. The loaner has the right to sell the property to recover his money.There are so many players emerging in the personal market, as a result there are serious financial issues in the market related the types of loans provided by them.It does not mean that people should desist from getting a personal loan. You need to be confident about the financial institution before getting a loan that the mortgage is safe and the lending institution is renowned. There are a few doubtful institutions in the market who may try to grab your property, if you are not careful.It is not a problem to secure a cash loan for those have good credit rating or possess property or own a business. They can get personnel loans easily from recognized financial institutions which have a clean record and good customer relations on the basis of good credit score or by providing a collateral.You may be in a dire need of getting a loan to meet some of your urgent needs. Before applying for a loan, you should be aware of what types of loans are available for a particular purpose. If you are not able to take a decision, it is better to consult a financial ad visor. You should get offers from different lenders for personal mortgage. It is a good alternative for those to get loans online, if you do not have a bank or financial institution nearby to cater to your needs.It is true that the market is competitive for the lenders. You can approach the institutions in any exigency for a personal loan. The procedure to get a loan is simple. Most of the personal loans are normally unsecured. The amount of borrowings is also low usually limiting to 15,000 dollars for an individual.If you need a loan for short period, it is helpful if you have clear credit history. It is a best option to get a cash mortgage. Cash mortgage are of three types. These include: cash advance loan, deferred deposited loan. The interest payable is mainly linked to the type of cash loan you opt for.You can enjoy a personal mortgage to meet your emergent requirements provided you select a suitable personal loan from a reliable institution.

An auto loan quote is an impression to the financiers by the borrower on the kind of loan required. A loan quote is subject to personal financial status. Auto loan quotes are carried out by filling forms from the financial institutions. This may be manual or online. A borrower will consider; monthly income, monthly debt and overheads, price of the car, and credit score analysis. It is not easy for one to determine the precise credit score but the financial institutions have devised ways to obtain the credit score upon providing some particular information. This is available online or on hardcopies from the institutions. A viable auto loan quote will put the following in to consideration;Credit report analysis
Your credit analysis will determine your creditability to be granted an auto loan. An improved credit score implies low interest rates. Similary, a low credit score implies high interest rates charged on the loan. A good credit score means that the loaning company will allocate lower interest rate for the auto loan and thus the client can borrow relatively larger amount. In turn, when the score is lower the rates imposed will be high and thus should borrow less and for longer period of repayment.Monthly income levels
The amount of income assist you to make a suitable quote. A good monthly income may not necessary imply an ability to pay the loan. Other factors such as the monthly overheads have to be put in place. A high level of household expenditure reduces disposable income which in turn affects your ability to pay a loan. Minimal monthly expenses and higher monthly income places the borrower in a better position to quote a large amount of auto loan. The level of income also determine the duration of payment. Higher incomes can enable a customer quote a short period of payment hence enjoy the unattached risk on the security assets. With the economic slowdown, secured loans have been preferred than the unsecured.Recurring monthly debts
When making your auto loan quote, consistent debts through out every month are considered. If the debts are high, the borrower should quote a small amount of loan. Alternatively, the borrower can qoute relatively large amount of loan but pay it in a relatively long period. However, the best way to address the problem of debts is to bring down the monthly debt levels.Average monthly expenditure
Your monthly household expenses will determine the amount of car loan you quote. If your expenses are high then you certainly have to quote low amount. Alternatively, you can quote large amount that are payable in a long period of time. Whichever the case, expenses need to be reduced so as to enable you pay your auto loan with comfort.The type of automobile to purchase
When purchasing a car it is advisable to consider the economic hardships. New cars are expensive and may not be viable during recession. Old cars on the other hand are cheaper but their interest rates on the loan are high. Your income levels will determine which car to purchase. Old cars are subject to breakdown and recurring repair and maintenance costs.Auto loan agents
Auto quotation may be a tedious and difficult exercise when you do not know the right auto loan companies to approach. Auto loan agents will research and come up with a list of car loan companies that can offer the auto loan deal you are looking for. By providing the agents with information such as the kind of vehicle you want, the amount of loan you need, the interest rate you prefer as well as the repayment period,then auto loan agent can selectively search and offers you appropriate companies that will almost certainly agree on your quote.These are important aspects that a prospective borrower has to consider when making a car loan quote. They enable the client to make a suitable quote that will be considered by an auto finance company. Auto agents save you time and resources you would use when looking for the right auto companies.

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.