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Student loan consolidation can be used by student or parent borrowers to combine their multiple education loans into one loan with one monthly payment. As any student can take either federal or private student loans, he or she can also take a federal or private consolidation loan to make the education debt more manageable.Both federal and private student loans offer significant benefits, but federal loans offer borrowers many benefits that don’t come with private loans; for instance: low fixed interest rates, income-based repayment plans, loan forgiveness and deferment options. While some private lenders may offer them too, it usually is associated with some strings attached.For those reasons, every borrower should always exhaust federal student loans options before considering a private loan. The same advice applies to consolidating student loans – always look at federal consolidation loan first and only if you don’t qualify for a federal loan of it is not the right choice for any reason, and then seek a private consolidation loan.It is important to remember that a federal student consolidation loan can’t include any private loan. Moreover, if you consolidate your federal student loan into a private consolidation loan, you will lose your federal borrower benefits mentioned above (unless you private lender tries hard to get your business and includes them in the offer).There are important differences between federal and private student loan consolidation.First of all, with federal student loan consolidation, you will have a fixed interest rate, while private student loan consolidations are credit-based, which means that your consolidation loan rate will not be locked – it will be variable. So, while you will not have to go through credit check in order to apply for a federal consolidation loan, you will need it to secure a private consolidation loan.Student loan consolidation rates are determined differently for federal and private consolidations. The interest rates for federal loans are set according to a formula established by federal statue. It’s a fixed rate, based on the weighted average of the interest rates on each of your loans at the time you consolidate, rounded up to the nearest 1/8th of a percent and capped at 8.25%.As private student loans are not funded by the federal government, they are subject to the terms determined by each individual lender (bank, credit union, other financial institution) and the market competition. In private student consolidation loans a borrower’s credit is the primary factor in the variable interest rate offered to the borrower. As the base for setting the consolidation loan interest rate, the private lenders most often use the Prime rate or the 3-month LIBOR Rate, to which they add a margin. That margin varies from lender to lender and is applied according to the borrower’s credit rating.With regards to the interest rate on the consolidation loan, it’s typical for both federal and private consolidation loan to include 0.25% rate reduction for automated debit payments.Repayment of federal student consolidation loans begins within 60 days of the disbursement of the loan, with the payback term ranging from 10 to 30 years, depending on the amount of education debt being repaid and on other debts owned, as well as on the repayment option chosen by the borrower. Private student consolidation loans can also have repayment terms of up to 30 years, although they have fewer repayment options. Usually, repayment begins 30 days from the time your private student consolidation loan is funded.While the most important factors looked at when deciding about how to consolidate student loans are the interest rates, borrower benefits and the terms of repayment, there are also other significant factors, such as: fees or cost to consolidate, prepayment penalties, loan amount limits, customer service, etc.There are no fees or application costs whatsoever for processing and providing a federal student consolidation loan. It’s against the law to ask for advance (up-front) fees for arranging a federal education loan or consolidating federal education loans. However, some federal education loans (e.g. the Stafford and PLUS Loans) may require some fees, but they are always deducted from the disbursement check. On the other hand, private lenders may charge fees for application and processing private consolidation loans. Some private lenders charge fees as high as 4% of the principal you owe.Federal consolidation loan programs don’t require a minimum balance to consolidate student loans; some private lenders require a minimum balance before they consider a borrower’s application for consolidation. That amount varies from lender to lender, but usually is between $5,000-$7,500 in US-issued private education loans.With both federal private consolidations, there are no penalties for prepayment – all payments in excess of scheduled payments will go directly to principal and that will help to repay your consolidation loan faster.The application process for consolidation of private student loans differs from the federal consolidation. Sometimes application for private consolidation loans may be easier to complete (often done online or over the phone). However, it’s worth remembering that federal loans usually have lower interest rates, borrower benefits and better repayment terms than private student loans. Moreover, federal applications for both original loans and consolidation loans require FAFSA, so with the federal consolidation, your application is already partly completed.

Hiring an SEO firm is something many business owners are contemplating these days. Since the widespread popularity of search engine optimization (SEO) and its benefits, there have been many marketing firms offering to run SEO campaigns for other businesses. There have also been some do-it-yourself business owners who feel they can optimize their own website as well. From an overall marketing standpoint, the case can be made that investing in online advertisement will potentially reach more prospective customers through SEO than other forms of advertising such as print ads. Whether you are contemplating optimization on your website or thinking about running your own SEO campaign, here are a few reasons why you should hire an SEO firm to help land you in front of more potential customers looking for your product or services.1. They have the Expertise
Even though the stereotypical web developer/SEO professional is thought to play video games all day and work at night in his mother’s basement, they should still be respected as a professional. After all, do you know how to (technical term for web development)? A main reason you hire an SEO Firm is for the same reason you hire an attorney to write up your legal documents or represent you in court; they are the expert! I personally do not change the brakes on my car or put a crown on my own tooth. Granted, I could learn how to do it on my own but I know it will save me in the long run to hire someone who specializes in these services. Now don’t get me wrong, there are a few companies out there claiming they know SEO and how to get you on the first page of Google so they can get a piece of the pie but choosing a good SEO firm comes later…2. An SEO Firm will save you time
When you hire an SEO firm to handle your online marketing and SEO, it will save you loads and loads of time! I cannot stress enough how much time goes into a worthwhile SEO campaign. SEO firms have years of experience under their belt (hopefully) and a full knowledgeable team to work on optimizing and marketing your website for you.Like anything, there is a learning curve to search engine optimization. I would be ignorant to say it has the steepest learning curve of any profession but I honestly believe it is in the top 25%. The time an SEO professional has but into gaining all of the knowledge they have gained is shocking! The lucky thing for someone who hires an SEO firm is they have already previously put in the time learning which ensures the website will rise in the search engines much quicker than someone who tries to optimize themselves. There is also a pretty good chance the SEO Firm will be able to utilize the connections they have with other professionals to help speed the campaign along.Not only will the SEO firm you hire know the latest tricks to optimization, they also know what doesn’t work. As an SEO professional, we have learned through trial and error what effort to consume our time with.3. It’s all in the numbers
Can you imagine paying employees that you cannot track the work or hours they put into their job? You would not be able to justify if paying them has been profitable for you or your company. The same holds true for hiring an SEO Firm. All of the good SEO firms have a tracking system on the website they are optimizing. In this tracking system you will be able to see daily visitors, what keywords they are typing in to find your website, what search engine or source they came to your website from, how long the individual was on your site, where the location of your visitors are coming from and the list goes on and on. SEO firms also have access to very useful web based tools such as a keyword tool that will tell you the monthly volume of searchers typing in certain keywords or keyword phrases. This is extremely beneficial to recognize and understand what keywords should be targeted in your SEO campaign.If a business owner runs their own seo campaign are they going to create monthly reports to keep track of progress? Is a business owner going to focus on key point indicators such as bounce rate and new visitors in their SEO campaign to ensure prime results?4. You Get to Focus on your own Business
Probably the greatest part about hiring an SEO firm to help with your online marketing is you get to concentrate on your own business; what you are good at! I have previously stated how much time goes into an SEO campaign and the truth is for the first six months you need to be constantly working on building links, writing articles and creating PR for your website every day. You have to admit, if you had to just concentrate on running your business and manage your staff efficiently while the leads came in you would be sitting pretty happy. There is no reason for a business to be concerned with trying to manage their online marketing and the day to day activities as well; that is hard enough.Rely on a professional with years of experience and the time and team to fully optimize your website. Although the thought of not spending money on something you think you could do yourself is nice, hiring an SEO firm will pay for itself and then some in just 4-6 months!

Many Canadian business owners and financial managers are under the impression that equipment leasing and financing solutions for their asset finance needs are more expensive than other forms of financing.However, at the same time thousands of businesses everyday flock to the lease finance solution when they are acquiring equipment. How can a finance solution perceived as ‘ expensive ‘ be one of the most sought after business financing facilities day after day.It’s because it’s all about the benefits and flexibility. In pure theory if you were paying full price cash or entering into a term loan you could make a technical financial case that lease financing is more expensive.But it’s never always about price in your personal life, and that’s certainly the case in business. The reality is that the additional benefits of a lease often over weigh any concerns about cost or interest rates. And quite frankly with interest rates at all time lows in Canada companies with fairly decent credit profiles can get equipment financing in the 7-8% range. And, on top of that, if your company doesn’t have a pristine credit profile you still can get approved because Canadian equipment and leasing and financing professions are experts in asset finance, and a lot of emphasis is placed on your company prospects and the asset itself.Accounting isn’t one of our favorite subjects when clients ask us for leasing assistance, but the reality is the when you use lease finance effectively – for example operating leases, then you are in a position to increase overall return on assets and your banker or other senior lender isn’t overly concerned about that always omnipresent debt to equity ratio he or she is talking about.When clients talk to us about leasing we can talk about ten or 15 different issues – but to be honest they only often have one – can we get approval for a rate, term and structure that makes sense for our firm? That’s the essential question more often than not. And that’s more often when lease finance steps up to the bar! Lessors take, on balance greater credit risk than financial institutions, and in our words, they are more likely to ‘ buy into your story ‘ – whether that be a turnaround year, a new project coming up, etc.Lease decisions from your point of view are often driven by the simple question – can the acquisition of this asset grow sales and profits. Asset finance firms understand that and they essentially become your business partner with the additional capital they put into your equipment financing needs. You on the other hand can use that additional cash flow and working capital for general operating purposes. You have matched long term debt – i.e. the lease, with long term capital – your lease finance strategy.Speak to a trusted, credible and experienced Canadian business advisor in equipment leasing and financing. You” be surprised at the financing approval turnaround and the benefits you didn’t know you could achieve.

Most people have had or been to an event or party at which they had entertainment. How did the organiser find it? Was it any good? The answer to the first question is they probably used their local telephone directory, the Internet or had seen the act or service personally. The answer to the second question is sometimes yes and sometimes no.So why use an entertainment agency to find what you are looking for? Well first it takes the hit and miss out of finding what you are looking for, a good entertainment agency has access to lots of different forms of entertainment and will save you the problem of locating it. Secondly a good entertainment agency lives on its reputation, so it is in their interest to make sure that the entertainment they supply is of good quality. As the saying goes, you are only as good as your last event. Imagine you are looking for a band, you can spend ages searching the net only to find that what you want is already booked, and searching can take hours, and do you have that time to spare? If you use the phone to contact entertainers and lets say contact 10 at an average of 3 minutes a call, that is 30 minutes of calls on your telephone bill, it may not seem much but it adds up especially if the contact number is a mobile one. And if you do manage to find what you are looking for how do you know it will be any good? Contacting a reputable entertainment agency takes away all the headaches, as they will do all the work for you.There are things to bear in mind, a reputable agency has quality acts and services which will be in high demand, so make sure you start looking at least 3 months in advance of an event, don’t leave it until the last minute. Only contact one agency, many top quality agencies work with each other to source your needs, contacting 3 or 4 of them means they are duplicating work, time which could be spent on another client. If you were that other client ask yourself how you would feel, if the agency you were using had lost time they could have been using to help you. Running an entertainment agency we often used to get enquiries from people and start looking for their requirements only to have another agency contact us looking for the same thing for the same person. Nowadays we ask if any other agency is being used and if they are we polity refuse to waste time looking for the same thing, if we are told no other agency is involved and find out otherwise then we will drop the client. Many quality agencies act likewise, so you could find yourself back at square one or using a less than reputable entertainment agency.The next question many people ask is how much will it cost, the answer is nothing unless you cancel, then you may have to pay a cancellation fee. An entertainment agency makes its money in the form of commission from the acts it represents, in other words they pay us for finding them the work. If you cancel the agency makes no commission, which pays for its time and effort on your behalf, therefore most agencies will make a cancellation charge, after all they have staff to pay just like any business. Similarly you might also have to pay a cancellation charge to an act or service in addition to the agency charge, if you have booked them then they are unable to take on other work for the date in question.The other question is how long will it take? This can vary, many acts and services are registered with numerous agencies and don’t always keep them informed of availability, secondly each act will charge a fee depending on the factors of the event such as getting to it, possible overnight accommodation etc, so a reputable agency will make contact with them to find if they are available and at what cost. If an act or service is on holiday or working away it may take a while for them to get back to the agency, so allow for this. If you haven’t heard anything from an agency within 3 days then give them a call and ask for an update. A good agency will always tell you if they cannot find what you are looking for or if they have been unsuccessful. If that is the case then you can try another. Remember that with an agency you will get a contract, which will state all the relevant details, and you will have a legal document to give you peace of mind.Remember entertainment agencies live to provide clients with a service, make use of it and save your time and a possible headache.© Paul Sims 2008

Having an Online Business is essential in order to expand Geographically and gain a Competitive Advantage. Whether you have an existing business or just starting a brand new one, I will be discussing what you should be doing to Leverage your Online Business.LAUNCH A WEBSITEPurchasing a domain and launching a website is the first stage when starting your online expedition. Your will start to generate traffic to your website so that you can build your business brand. You should consider finding professional themes and plugins that will enhance the functionality of your website. You should also create a landing page to gain Leads or email subscribers that you can follow up on.MARKET RESEARCHTargeting your audience or niche is going to be the most important aspect to apply in order to actually make sales. You need to find out who are your audience, what do they want, what search queries they make, where do they hang out online, how do they think and why would they purchase from your business.”If you’re marketing to everybody, you’re marketing to nobody”.Learning Search Engine Optimisation (SEO) is also crucial when trying to rank for a higher place on the search engines. You will need to understand what kind of keywords your audience are searching for, and if there is a lot of competition for that particular keyword used. As a small to medium sized business you may want to be using Long Tail Keywords. These keywords have a longer chain of words so that there is less competition when ranking on search engines.SOCIAL MEDIA MARKETINGSocial Media Marketing is where you engage in social media to leverage your marketing power. People are constantly on social media where they communicate and have discussions. Developing your presence on social media sites such as Facebook and Twitter will allow you to engage with communities. You are essentially building the authenticity and trust of your business. People will start to take notice of and respect what you are doing in the market place. Not to mention there are so many great opportunities on social media that will take you by surprise.So now you know the key concepts of launching your business online. The first concept is launching a professional website. The second concept is to make sure you understand who you market is so you are targeting the right people. Lastly the third concept is engaging in social media to leverage your marketing power. And these are the fundamentals on how to launch your business online.

Personal loans seem to be the most easily available loan, which can be used for any purpose. The easiness of the availability is one of the major reasons for the popularity of personal loans. The conventional personal loans itself were appreciated for its utility. The possibilities of personal loan have now multi-fold with the evolution of the internet. Online personal loans have revolutionized the concept of the loan processing and now you can avail personal loan from the convenience of your home/office, at the click of a mouse. Personal loans can be generally categorized into two categories, namely secured personal loans and unsecured personal loans.Personal loans are available in various titles such as credit card loans, payday loans, cash advance, guaranteed personal loans, and fast cash. Any kind of loan that does not specifically focused for a particular task can be termed as a personal loan. Hence you can use the personal loan for any purpose such as debt consolidation, meeting medical expenditure, buying artifacts, home improvements, auto repair, or for your dream holiday. Using personal loans for credit building is most appreciated as it can lead you to a bright and balanced financial future. The lender will not be bothered about the usage purpose of the loan and you do not have to produce the details about the expenditure such as in student loan and car loan.The secured personal loans are offered based on a collateral security such as car, house, real estate or any other valuable asset. The lenders will offer many privileges for the borrowers since they have no risk in their loan amount. The borrowers can enjoy maximum benefits with low interest rate and maximum loan amount. The loan repayment schedule can be extended to a couple of years; however, experts suggest reducing the loan repayment period since it will help to minimize your expense in interest. You can choose interest rates either in fixed or adjustable rates. However secured personal loans will take a little more time for processing since the lenders will approve the loan only after the verification of the asset. But today, the no fax loans have speed up the loan processing to the minimum turn around.On the other hand, the unsecured personal loans do not require any collateral security for the approval of the loan. However, the interest rate of the loan will be high as the lender is in total risk about the amount. In most cases the loan repayment period will be short for unsecured personal loans. The loan processing time is very little for unsecured loans as it does not require the verification and appraisal of the collateral.The most interesting factor about the personal loans is that it is now offered irrespective of the credit score of the people. It is true that good credit people will be able to identify the best offers in personal loans. However, the bad credit people can also avail the reasonable benefits of personal loans. The bad credit focused lenders provide advantageous benefits to personal loan to bad credit people. The intensive market search will help one to identify the most affordable rates. Obviously the interest rates are quite high in case of unsecured personal loans, but the opportunity gives a privilege for everyone to realize their dreams.

Shopping online for your car loan is a wise move as it can help to save you a lot of money. However shopping and comparing for car loans can be very stressful because of the different loan features, administrative fees, loan policies and loan process which are offered by different lenders.In lieu to reduce the anxiety of many borrowers out there, here are some useful guidelines for one to refer to when it comes to auto loan comparison and here are some of the key elements which will affect your car loan selections,1. The APR ( Annual percentage rate ) is the actual annual cost of the loan. APR is expressed as a percentage of the loan principal. The lower the APR, the better the loan is.2. Total cost of the loan. This is the sum of all the monthly payment plus its fees and interests during the tenure of the loan period that you need to paid to the lender.3. Approved loan tenure duration.
-This is the allowable length of time for the borrower to repay back all the necessary principal plus its chargeable interest on the principal amount over the loan tenure duration of sometime between 48 to 72 months. However, it is recommended that a medium length of tenure is the most preferred.4. Prepayment privileges.
-Some loaners offer discounts on Interest to their borrowers should they payout their loan faster than in agreement. Some lenders allow their customers to have a maximum of 3 extra payments per year only, while some does not allow for any extra payments to be made at all. Please remember to ask for such discounts if you are not sure if your lender has this available or not.5. Early Discharge penalties.
On the contrary, some lenders will impose penalty to their lenders in cases where loan are paid off before the maturity date.6. Loan Interest.
- Even with the same loan company, different applicants will get different rates for their auto loan applications because the Loan interest offered by the lender to the individual applicants will be different based on these few key criteria such as: the credit score of the applicant, the loan amount, the tenure period, the type of vehicle on loan, the borrower’s age, driving records, occupational status and many more.7. Feasibility of discounts.
- Some auto loan company offers ‘Loyalty discounts’ to their loyal customers who had came back for auto loan for their second vehicle within three years time after the first auto loan was approved. The percentage of discount may range from 15% to 25%.8. The availability of securing your auto loan against your home equity.
- This may help in cutting down your auto loan interest payment because the insurer is considered to be in a lower risk now with the home equity.All the above are key factors which need to be taken into consideration for evaluation of loan application. Of course the priority of these eight factors above will not be the same for different individual. It is then appropriate for each of us to rank these factors base on their criticalness in order to arrive at the best auto loan.

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.