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Last year we struggled with the fact that we needed to fund our college students dreams without much money in the bank.  When we turned to student loans we had no idea there were so many different types of student loans. Let us walk you through a quick recap of what you can expect from the 8 different types of student loans.The 8 Types of Student Loans:* Federal Stafford Loan (2 types: subsidized-unsubsidized)* Federal PLUS Loan (Parent Loan for Undergraduate Students)* Federal Perkins Loans* Bank Loans* State Loans* Other unsubsidized Loans (Stafford)* Loans from other sources* College Board Extra Credit LoansWe had no idea that you could even attempt to get a federal loan without submitting an application to FAFSA.  Once you submit your application to FAFSA you then must wait for your Student Aid Report (SAR).  With SAR in your hand now you can go and find a student loan that meets your needs.Another eye opening experience.  To me the interest rates associated with student loans are highway robbery.  As you will soon find out, these rates are high but most lenders are competitive with each other. 1.  Federal Stafford Loan – Subsidized: (government pays interest until you graduate) most popular loans and available to both undergraduate and graduate students.  It’s really hard to beat these interest rates.These rates are for subsidized loans to undergraduate students.  * 6.0% for the 2008-09 school year  * 5.6% for the 2009-10 school year  * 4.5% for the 2010-11 school year  * 3.4% for the 2011-12 school year  * returns back to 6.8% for the 2012-13 school year.From this example it is best to borrow less money now and wait till 2011 to borrow heavy because of the interest rate decrease. And remember on January 1st of each year you must re-apply through FAFSA to received your student loan for the following year.2. Unsubsidized Federal Stafford Loan -  easy to get and student can pay interest as you go to keep the total loan amount down once they graduate.***Student Loans Secrets***Students who are working while attending college, negotiate with your lender to make monthly payments and round up to the nearest tens. If your interest is 8 dollars a month pay 10 dollars which shouldn’t be that hard.  Any time you can pay on the principal the better.3.  Federal PLUS Loans for Parents - allows the parent to take out the entire cost of students college education.  It is not dependent on “how much a parent makes” and it does offer a nice tax break but this could change with a new president.***Student Loans Secrets***You can negotiate repayment of your PLUS loan. Chose from graduation date repayments or start 60-90 days after the loan money.4.  Federal Perkins Loans -  students who are having financial difficulties should look into the Perkins Loan.  The problem with these loans are they are limited, however you will receive a competitive loan interest rate. ***Student Loans Secrets***Federal Perkins Loans are reported to your credit bureau.  Do it right and you will have an excellent credit rating.  Default or late on payments will spell trouble.  Be very careful. 5.  Bank Loans – if you are turned away by the federal government then turn towards a bank loan.  These loans are usually a little higher and each bank has different regulations.  I’d shop hard before signing on the dotted line.  Some banks do offer Stafford Loans, but they are more strict on their policies.***Student Loans Secrets***Banks might limit their loans to full time students and repayment options will be limited.  However you might find some incentives on re-payments of your student loans.6.  State Student Loans – you will need to visit your local bank to pick up an application.  Most states offer a guaranteed student loan but the banks will administer your funds.***Student Loans Secrets***These types of student loans are usually more expensive to borrow from when you compare them to federal loans.7.  Additional Unsubsidized Stafford Loan – These types of student loans are determined by the federal guidelines and are reserved for borrowers who fall into the “independent category.8.  Other types of student loans – look at all your options and discuss these with your financial aid advisors at school.  Military dependents, corporations and businesses will offer student assistance. Don’t be afraid to ask.Additional BonusThere is one place that will pay your tuition fees if you can repay them within a year.  Affiliated with around 2000 universities, Academic Management Services offer student assistance, but be ready for some expensive rates.  These funds should only be used in dire emergencies.I cannot stress this enough, PLEASE make sure and submit your application to FAFSA early in January of each year. Once your receive your SAR then you can get down to business and be first in line to receive your student loan.

Organic SEOOrganic Search Engine Optimization is a multifaceted service that needs professional expertise, knowledge and experience. Select organic SEO Plan for type of your business or service. And start SEO work from scratch and put all efforts to make it user friendly and search engine friendly. Also select good knowledgeable, experience, research ability, tools and processes to provide ethical SEO services.Organic SEO – The paramount way to reach your destinationNeed for SEOPeople all over the world, who owns their personal, or business website or desire to prepare website in future needs to know the real and fruitful benefits of Search Engine Optimization. World over the need for awareness of SEO is very essential for website owners to take actual advantage of their investment.If you have your own website and you wish to explore your business online then Search Engine Optimization is the fastest and cost-effective way to gain business objective.If you don’t have your own website and wish to develop in future then you can take better advantage of Search Engine Optimization. As SEO consultants give you better guidelines starting from selecting most appropriate domain name for your business up to complete website development in most user friendly and search engine friendly way.Need for SEO – Grab the Opportunity when it Knocks your DoorWhy SEOSometimes people argue that they get good listing or their websites get good response then why do they need SEO services. But they don’t understand the real significance of SEO. They might get top ranking but they can not take real advantages from it because it was not optimized and therefore can not reach the target market as it requires. If you think that if you get good benefit of your site without optimization then you can get more than double advantages with optimizing your website in ethical way from best SEO Company.Websites needs optimizing for following reasons :
To make your website known to your customer/end users on World Wide Web.[ Reach millions of customers globally]
To make your product, brand, company known globally [Fast product awareness]
Get maximum return of marketing investment [ Fast ROI]
Increase business volume [ Fast business growth ]
Increase Marketing Network [ Global Marketing]
Why SEO – To Get Long-Term Achievement – Swiftly, EffortlesslyWhat is SEOMost of the people on the net are not fully aware of the process of search engine optimization as well as not aware of the word SEO. The SEO Company always faces problems to explain their customers that SEO is very difficult and responsible work and needs constant attention and efforts. As there are no norms for search engines that you definitely get first rank on first page of search engine. Therefore it is great responsibility of Search Engine Optimization Company for optimized website strategically to get top ranks in SERPs.The Organic/ethical SEO Process Includes
Considerate customers Business
Identified most suitable/targeted Keywords and Key Phrases
Analysis major competitor – Domestic/International
SEO Copy writing by considering page related keywords
Defining keywords in links.
Optimization of images
Organize various tags such as Title tag, Meta Tags, Description, anchor tag, head tags for each pages in websites.
Building link strategy, Browser Compatibility, Page Validation
Preparing Sitemaps
Analysis of Web statistics
Implementation of SEO steps on basis of Web analysis
What is SEO – A Service that gives you Ongoing SuccessPerfect SEO CompanyWhen you assign your website to any SEO company for search engine optimization, it is very essential to know that if they have ability to optimize your website in right way. This is very essential because if your website is not optimized using organic SEO methods, the chances for your website getting banned becomes higher as major search engine such as Google, Yahoo and MSN ban unethically optimized websites.

You’re there. You have made the decision. You’re committed. You have timelines now. We’re talking about your franchise finance decision and the next challenge you have in the franchise process – financing a franchise. How many ways to finance a franchise are there? Only one… the right way! And we’ll show you how.The ability to finance your franchise properly and satisfy the requirements of the franchisor without putting you overly in debt is what it’s all about of course. And if you do it right then you of course have the potential to grow a business, profit from it, and build owner equity for either long term resale of personal financial gain. That’s simply what it’s all about, and boy does it help if you like what you are doing, at the same time taking on the entrepreneurship role in Canadian business.The good news is that your are lucky, because franchising couldn’t be any hotter or more popular. Franchises move goods and services in the billions in Canada, and you’re now part of that movement.But let’s be realistic, whether it’s a franchise investment of any other business start up the same critical needs apply relative to planning and financing.Homework. Did you hate it in school? Well here it is again because we strongly suggest to clients that you are now in homework mode when determining how financing a franchise works. It’s all about planning, which includes ensuring you have a profitable potential business on your hands, as well as understanding ways to finance a franchise in Canada.Business plans are critical to your franchise investment. It’s a case of demonstrating your business has both profit potential plus, and this is what interests the lender, that you have the ability to repay your debt and loans. The franchisor naturally is interested in long term success of the chain, and your ability to pay royalties as they become due, usually monthly.When you address the franchise finance decision you must consider a number of items – they are as follows – what is the total all in cost, what methods are available to finance each part of the cost breakdown, and finally, and perhaps most importantly, how is the actual financing done.The costs to assess in a franchise finance investment are as follows – the initial franchise fee, the cost of fixed assets or leaseholds to your business – i.e. equipment, signage, vehicles if required, etc. And finally, if you did all that and didn’t address working capital for ongoing operations and growth then you are setting yourself up for failure.Clients are always looking to us for a magic solution and a one stop finance strategy for their franchise investment. The closest we can come to that is the government BIL/CSBF loan, under which the majority of franchises are financing in Canada. You can successfully augment this strategy by equipment financing for a variety of assets as well as a small working capital loan, usually unsecured. Don’t forget also that your own owner equity investment becomes the final piece of the puzzle.And getting back to our business plan, ensure that you have covered off all the debt you need and that if reflects your ability to pay it back.Financing a franchise. Challenging? Yes, we guess so. Possible? Of course. Speak to a trusted, credible and experienced Canadian business financing advisor with franchise experience who will help you navigate, successfully, the only way to finance your new business – the right way!

If you are looking for work as a professional entertainer you are probably wondering what you can do to get noticed.Some entertainers have ‘it’ some just don’t… but why are a few of the really bad ones get work regularly and other genuinely talented artists are scraping together a living?I run an entertainment agency called Totally Talented, from my experiences the answer is very simple. Some people advertise (for free) in the right places and some are getting it all wrong!Here is a list of popular methods of self promotion
Word if mouth or circles
Advertising
Entertainment agencies like Totally talented
Charity work
The web and your own website
If you don’t have a large promotion budget here are some free or very cheap methodsWord if mouth or circlesThe number one way to get regular streams of work is word of mouth, every time you have a gig think of the potential of getting all their friends, associates etc. If you are a children’s entertainer ask the parents to recommend you to their friends.. before you know it you could be the number one entertainer in that school. Make sure you give out business cards or flyers at the end of the event.AdvertisingTargeted advertising can give you the start you need to break into the lucrative world of entertainment. Word of mouth is the number one form of free advertising but there are other ways, they just need you to invest some time and effort. Send out some flyers, put a card up in your local news agency or advertise in the local press. Newspaper advertising starts from as little as £25 and can cost up to several thousands. Whatever you choose to spend make sure it is targeted, that’s why the local press is the most effective. If your a musician consider advertising in press related to music not just random places. Think about your add too make sure it is worded well and gives all the right information.Entertainment agenciesThere are numerous entertainment agencies that will find work for you. Some of them charge money for their services and some of them are free. Search the net for the free ones. Totally Talented is free to signup.Charity workIf you have some free time, why not do some voluntary work? Not only will you get the opportunity to show off your talents and get potential future work but also that satisfaction of helping a needy cause. Just don’t forget to give out your business cards at the end!The web and your own websiteThe web is a very powerful tool for self promotion – use it! There are countless sites where you can advertise your services for free. For example YouTube, Gumtree, blogs and Totally Talented. Totally Talented gives you a personal space where you can upload videos, sound clips and pictures – the next best thing to a personal recommendation! If you were looking for an entertainer, you would want a recommendation or to see them for yourself first, that’s why uploading videos to the web is one of the most effective things you can do.There are lots of free ways to get yourself noticed just remember to try. See what works for you and don’t be afraid to self promote.

It can be overwhelming when you start a home business online. There’s the fear that you might get bogged down with techie problems that seem impossible to understand. Or you might think that you’re too old, too young or too unskilled for the online business world. But with the right mindset and direction, you can do it. There are the 5 steps every online entrepreneur takes when starting a home business online.1. Determine What You’re Going To SellThe beauty of a home business online is that you can choose from a wide range of products and services to sell. The most important thing is to get involved with a product or service that you actually like or have an interest in. You don’t even need to have your own products. There are thousands of ready-made products and services that you can sell as an affiliate and earn commissions on every sale you make.2. Develop A WebsiteDon’t worry if you have absolutely no technical expertise. There are plenty of online step-by-step video tutorials that teach you how to build a basic home business website. Or if you feel it will be too much for you then you can outsource any technical jobs to freelancers who can do it for you. Check out websites like Elance and UpWork.3. Get Some Content On Your WebsiteYour pages, posts and articles need to say more than “buy my products”. Your content needs to contain information that your website visitors will find useful. Don’t just use written text. Use video clips, illustrations, photos, infographics, podcasts – anything that will keep your audience interested so that will want to come back for more.4. Drive Traffic To Your WebsiteWhen you start a home business online your website is just one of the millions of other websites on the internet. So you have to get visitors to your website. There are a number of ways you can do this. Simply by regularly updating your website with useful content will help your website to get noticed by the search engines so that they direct traffic to you. Also, share your new content on social media. If you have some available funds, you can pay to boost that content to your target audience. Aim to have a good blend of both free and paid traffic strategies.5. Develop A Database Of Prospective Customers Put an email capture form on the home page of your website so that you can send emails to prospects about your products or services. It’s not likely that a person who visits your website for the first time will buy from you there and then. People need assurance that your online business is genuine and that you provide real value. This is done by building a relationship with them via email. To get someone’s email address you need to offer something of value for free in exchange. This could be a simple e-book, survey or video course.

Every borrower has this concern in his mind that the loan applied for is not only of lower interest rate but is approved fast as well so that the loan can be put to timely use. Fast secured personal loans are designed especially keeping these and lot other concerns of the borrowers in consideration. Also the lenders do not restrict the applicants from using the loans for which ever purpose they like. Fast secured personal loans can be put to use for making home improvements, financing a vehicle, meeting wedding or educational expenses or even for paying off debts.Fast secured personal loans are called fast because they are processed and approved fast and within days the loans are in the account of the applicant. Fast secured personal loans are usually provided by online lenders as they have the technology in the form of internet and online application to their access. When a borrower files his loan details like amount, repayment duration, purpose of the loan and personal details in a lender’s online application, the details are instantly available to the lender with the click of the mouse. This enables a fast processing and verification of the details which ensures a fast approval of the loan.A borrower can have access to fast secured personal loans on condition that he secures the loan through any of his or her property like home or an automobile that is to be placed as collateral with the lender. One can say that the loan is a bit risky for the borrower as in case he fails to pay off the loan, he may loose the property as the lender may sell it for recovering the loan. However there are many attractions and advantages attached with the loan for a borrower.Fast secured personal loans come with a lower interest rate. A lower interest rate goes a long way in strengthening the borrower. For instance home improvements at low cost fast secured personal loans enable in enhancing value and equity of the home. The amount that you can borrow as fast secured personal loans ranges from £5000 to £75000. Thus the loan provides you sufficient amount for completing various works. The repayment duration also is convenient as larger duration ranging from 5 to 30 years can be opted for. Larger repayment duration enables in spreading the borrowed amount in as many installments as the borrowers is comfortable with. This means the borrower pays reduced monthly amount towards installments and saves money for other expenses.Bad credit is no problem for the lenders in providing fast secured personal loans as the bad credit borrower’s property is already with the lender for covering the risks. In case the borrower repeats the mistake of payment default, lender can sell the property for recovering the loan.Compare different fast secured personal loans providers on their web sites for individual interest rates and terms-conditions for selecting a suitable lender. Apply online to the lender for fast approval of the loan.Fast secured personal loans are cheaper loans for meeting various expenses. Make sure that you pay off the installments in time for escaping debts and also for improvement in credit score.

A bad credit signifies that the person has a poor credit history due to various reasons such as skipping the monthly loan redemption amount (Monthly installments that one pays to “pay off” the loan), untimely loan repayment habits, exceeding the credit limit, and even declaring bankruptcy. Basically, all the financial activities associated with the loan are recorded by the lenders when they provide the loan facility.When the person starts making timely payments to the lender, the fact is included in the credit history, and this creates a “good” impression of the borrower, which will improve the credit ratings. However, when the opposite happens i.e. the person fails to fulfill the terms and conditions mentioned in the loan agreement, it creates a negative or a “bad” impression which lowers the credit score. This gives rise to “bad credit” ratings. On the other hand, some individuals like college graduates and business persons using cash while carrying out their financial transactions do not have any credit record or history, since they might have never availed any credit or loan facilities in the past. Such a condition is interpreted as a “no credit” status.In both the cases, financers and money lenders hesitate while providing the loan, since they are unsure about the repayment capacity of the borrower. So both the credit conditions create problems for the loan applicant when he or she applies for the credit facility. The money lenders thus provide loans having stringent terms and conditions associated with the repayment activity to these kinds of borrowers. Typically financers provide “no credit auto loans” to individuals having a “no credit” type of credit status, and “bad credit auto loans” to those who do not have a good credit history.Bad Credit LoansThe main problems associated with a bad credit status can prevent the applicant from getting the much required car loan. The issues are;• The rate of interest associated with bad credit auto loans is higher as compared to a traditional or a normal loan generally provided by banks and lending institutes. While availing auto loans for people with bad credit, the interest rate depends upon the person’s credibility which is stated by the credit history. When the repaying history is not so good and indicates late or missed monthly payments, the lenders choose to earn back the capital provided as soon as possible, and keeping a higher rate of interest facilitates them in doing just that.• Bad credit ratings also indicate a possibility of “bad debt” in the past. So a higher debt to income ratio indicates there is a greater likely hood of the borrower defaulting in the future. The lenders cater to this risk factor by linking strict repayment plans and heavy fines and penalties for late or missed payments. The idea is to create conditions which force the borrower to make regular payments, and by imposing heavy fines as well as penalties, the borrower is intimidated in being more regular with the redemption.• Individuals availing a bad credit auto loan cannot opt for the bankruptcy option and write off the outstanding amount of unsecured loans such as credit card credit loans.No Credit LoansThe following pointers can help you in creating good credit ratings which can help the borrowers avail auto loans for people with no credit;• It’s recommended to open a savings account. This creates an impression that the individual is responsible and believes in saving money. Lenders believe if the person is likely to save money; it is going to be easy to recover the outstanding dues in case the person defaults in the future.• Avail credit card facilities and go in for low credit limits. Make sure you do not overdraw, and make timely credit card payments so that your account remains in good standing. It is important to make sure you do not incur any credit card debt. Maintaining a proper account status will reflect within the credit history and improve your ratings and credit score.• While applying for the online auto loans, make sure you exhibit a sound and steady background to your lender. Stating a permanent residential address, longer employment history and proof, valid contact numbers that are operative can go a long way in creating a good impression and improving your credit scores.• Getting a good reference from your employer or business associates can further strengthen your application for your no credit auto loan.• If possible get a co-signer who can vouch for you and provide the financial guarantee to the moneylender.

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.

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

Cardinal Health Stock
CAH stock advanced 3.2% to 73.03 Friday, clearing a 71.22 buy point from a shallow cup-with-handle base and hitting a record high. But volume was light on the breakout. CAH stock leapt 7.3% for the week.

Cardinal Health stock’s relative strength line has also been trending up for months.

The cup-with-handle base is part of a base-on-base pattern, forming just above a cup base cleared on Aug. 11.

Cardinal Health, based in Dublin, Ohio, offers a wide assortment of health care services and medical supplies to hospitals, labs, pharmacies and long-term care facilities. The company reports that it serves around 90% of hospitals and 60,000 pharmacies in the U.S.

S&P 500 stock Cardinal Health will report Q1 2023 earnings on Nov. 4. Analysts forecast earnings falling 26% to 96 cents per share. Sales are expected to increase 10% to $48.3 billion, according to FactSet.

Cardinal Health stock ranks first in the Medical-Wholesale Drug/Supplies industry group, ahead of McKesson (MCK), which is also showing positive action. CAH stock has a 94 Composite Rating out of 99. It has a 97 Relative Strength Rating and an EPS rating of 73.

Steel Dynamics Stock
STLD shares shot up 8.5% to 92.92 on Friday and soared 19% on the week, coming off a Steel Dynamics earnings beat Wednesday night.

Shares blasted above an 88.72 consolidation buy point Friday after clearing a trendline Thursday. STLD stock is 17% above its 50-day line, definitely extended from that key average.

Steel Dynamics’ latest consolidation could be seen as part of a larger base going back six months.

Steel Dynamics topped Q3 earnings views with EPS rising 10% to $5.46 while revenue grew 11% to $5.65 billion. The steel producer’s outlook is optimistic despite weaker flat rolled steel pricing. STLD reports its order activity and backlogs remain solid.

The Fort Wayne, Indiana-based company is among the largest producers of carbon steel products in the U.S. It engages in metal recycling operations along with steel fabrication and produces myriad steel products.

How Millett Grew Steel Dynamics From A Three Employee Business

STLD stock ranks first in the Steel-Producers industry group. STLD stock has a 96 Composite Rating out of 99. It has a 90 Relative Strength Rating, an exclusive IBD Stock Checkup gauge for share-price movement that tops at 99. The rating shows how a stock’s performance over the last 52 weeks holds up against all the other stocks in IBD’s database. The EPS rating is 98.

Genuine Parts Stock
GPC stock gained 2.8% to 162.35 Friday after the company topped earnings views with its Q3 results on Thursday. For the week GPC advanced 5.1% as the stock held its 50-day line and is in a flat base.

GPC has an official 165.09 flat-base buy point after a three-week rally, according to MarketSmith analysis.

The relative strength line for Genuine Parts stock has rallied sharply to highs over the past several months.

On Thursday, the Atlanta-based auto parts company raised its full-year guidance on growth across its automotive and industrial sales.

Genuine Parts earnings per share advanced 19% to $2.23 and revenue grew 18% to $5.675 billion in Q3. GPC’s full-year guidance is now calling for EPS of $8.05-$8.15, up from $7.80-$7.95. The company now forecasts revenue growth of 15%-16%, up from the earlier 12%-14%.

During the Covid pandemic, supply chain constraints caused a major upheaval in the auto industry, sending prices for new and used cars to record levels. This has made consumers more likely to hang on to their existing vehicles for longer, driving mileage higher and boosting demand for auto replacement parts.

Fellow auto stocks O’Reilly Auto Parts (ORLY) and AutoZone (AZO) have also rallied near buy points amid the struggling market. O’Reilly reports on Oct. 26.

IBD ranks Genuine Parts first in the Retail/Wholesale-Auto Parts industry group. GPC stock has a 96 Composite Rating. Its Relative Strength Rating is 94 and it has an EPS Rating of 89.