Understanding Skin Care Creams You Need

When you are looking for products that can help with skin problems, you can find different beauty products on the market these days and one of the type of beauty products visible in the exhibition areas of department stores, pharmacies and grocery stores are the skin care creams. You can find skin creams that are created not only to treat condition of the skin on the face, which is the first body part you could think about improving, but you can also find skin care creams for almost all parts of the body from head to toe.Skin creams are created to help improve every skin type and condition. Several skin cream products produced has been added with different ingredients for different purposes. There are ingredients that are added to just treat or improve and some just to control certain parts of the body if in care skin irritations may occur. On the other hand, some products today were created to help treat and improve certain parts of your body that needs skin care.Skin care creams are designed to find a product that could both meet their needs and could give you a right to feel good after use. These skin creams were made for specific areas of our body. There are creams for the skin of the face, hands and feet. Each body part has different skin conditions and have different treatment needs.Face Creams: There could be many times that irritation may happen on the skin which may have an effect on every individual of all ages. When your face becomes dry, getting wrinkles and acne are common concerns of women when it comes to their face. One example is the appearance of unsightly pimples that comes with acne break out which is part of an inflammatory disease of the sebaceous glands and hair follicles of skin.Several skin care creams that were developed and manufactured could be seen on the market which could help clean the pores and tighten skin, improve its appearance to meet the frustrating skin conditions. Today, there are many popular methods on how to deal with acne skin care and many of them involves the use of herbs or natural ingredients that are safer to use.Many women today are increasingly aware of their appearance and are expecting to achieve a more youthful appearance by reducing signs of aging that could be developed in the face when one will come of age. Extreme exposure to sun or improper skin care displays over time causing a number of women and men alike who are aware of how they are to resort to skin care creams for wrinkles or a product that could help reduce the appearance of aging.There are many products for skin care that is specially designed for the face that are visible in the market today. Some of these products are manufactured and developed by popular brands of beautification. These products like Neutrogena and Olay oil were produced for many different skin types like dry, oily and sensitive.When you are thinking of buying any skin care cream product that is especially created for the face, you must always remember that not all ingredients of the product can produce the desired results one would like to obtain. There are even ingredients that could worsen the situation if it can cause allergic reactions or any skin irritations because not all ingredients are for all skin types.This is the reason why it is very important to test a minimum amount for exposing a portion of the face before applying in full in the face.Hand Creams: These days, there are also skin care cream that are made for the hands which are available in markets that are very useful. These products are created for the hands so that we can avoid showing your hands dry, scaly or cracked. This unpleasant sight could be avoided by the application of hand lotion on a daily basis that is required for the hands to keep it supple and young. The signs of aging hands can be seen through spots and wrinkles. The hands are less likely to use every day when there is more moisture.Some people may realize that their hands also demand for moisture and hydration because of a skin condition that they have acquired such as eczema, skin redness or dry, cracked appearance.Going through these skin conditions, the first step to do is know the reasons or the causes of skin irritation, and seek a solution or skin creams that could be used for hands. Very often, the causes of skin irritation is the type of soap or detergent you are using or could be the frequent washing of hands. One of the best ways to keep your hands hydrated is through the use of hand creams.Most often, skin care creams that are really effective usually offer some type of oil or rejuvenating ingredients that came from coconut, almond or honey that is popularly known to moisturize your skin and acts as protection against other causes of sore skin.Skin Cream for the Feet: Foot care is also important as important as face care. The top of the foot and the heel has great potential to become very cracked and irritated so there are skin care creams that are specially made to comply with inflammation of the skin.A foot could felt really itchy when it needs serious moisture. During the winter season, the use of skin creams for the feet is highly recommended especially if it is damaged. Look for skin products with mint, vitamin E, rosemary or other important oils that could help restore softness and smoothness of the skin when in search of a cream that is really good and effective for the feet.You might find too many options to consider when looking for products for the skin care. Each skin care products are made to almost all parts of the body. You can find them at the local grocery store or get them online.Skin conditions such as stretch marks that develop during pregnancy or when you gain weight rapidly can be treated sometimes with the use of skin care creams as many creams these days that are specially created to combat the appearance of cellulite.Regardless of skin condition that you might be going through, always remember that there is always a better and newer skin care products that can meet what your skin needs.

Alternative Financing Vs. Venture Capital: Which Option Is Best for Boosting Working Capital?

There are several potential financing options available to cash-strapped businesses that need a healthy dose of working capital. A bank loan or line of credit is often the first option that owners think of – and for businesses that qualify, this may be the best option.

In today’s uncertain business, economic and regulatory environment, qualifying for a bank loan can be difficult – especially for start-up companies and those that have experienced any type of financial difficulty. Sometimes, owners of businesses that don’t qualify for a bank loan decide that seeking venture capital or bringing on equity investors are other viable options.

But are they really? While there are some potential benefits to bringing venture capital and so-called “angel” investors into your business, there are drawbacks as well. Unfortunately, owners sometimes don’t think about these drawbacks until the ink has dried on a contract with a venture capitalist or angel investor – and it’s too late to back out of the deal.

Different Types of Financing

One problem with bringing in equity investors to help provide a working capital boost is that working capital and equity are really two different types of financing.

Working capital – or the money that is used to pay business expenses incurred during the time lag until cash from sales (or accounts receivable) is collected – is short-term in nature, so it should be financed via a short-term financing tool. Equity, however, should generally be used to finance rapid growth, business expansion, acquisitions or the purchase of long-term assets, which are defined as assets that are repaid over more than one 12-month business cycle.

But the biggest drawback to bringing equity investors into your business is a potential loss of control. When you sell equity (or shares) in your business to venture capitalists or angels, you are giving up a percentage of ownership in your business, and you may be doing so at an inopportune time. With this dilution of ownership most often comes a loss of control over some or all of the most important business decisions that must be made.

Sometimes, owners are enticed to sell equity by the fact that there is little (if any) out-of-pocket expense. Unlike debt financing, you don’t usually pay interest with equity financing. The equity investor gains its return via the ownership stake gained in your business. But the long-term “cost” of selling equity is always much higher than the short-term cost of debt, in terms of both actual cash cost as well as soft costs like the loss of control and stewardship of your company and the potential future value of the ownership shares that are sold.

Alternative Financing Solutions

But what if your business needs working capital and you don’t qualify for a bank loan or line of credit? Alternative financing solutions are often appropriate for injecting working capital into businesses in this situation. Three of the most common types of alternative financing used by such businesses are:

1. Full-Service Factoring – Businesses sell outstanding accounts receivable on an ongoing basis to a commercial finance (or factoring) company at a discount. The factoring company then manages the receivable until it is paid. Factoring is a well-established and accepted method of temporary alternative finance that is especially well-suited for rapidly growing companies and those with customer concentrations.

2. Accounts Receivable (A/R) Financing – A/R financing is an ideal solution for companies that are not yet bankable but have a stable financial condition and a more diverse customer base. Here, the business provides details on all accounts receivable and pledges those assets as collateral. The proceeds of those receivables are sent to a lockbox while the finance company calculates a borrowing base to determine the amount the company can borrow. When the borrower needs money, it makes an advance request and the finance company advances money using a percentage of the accounts receivable.

3. Asset-Based Lending (ABL) – This is a credit facility secured by all of a company’s assets, which may include A/R, equipment and inventory. Unlike with factoring, the business continues to manage and collect its own receivables and submits collateral reports on an ongoing basis to the finance company, which will review and periodically audit the reports.

In addition to providing working capital and enabling owners to maintain business control, alternative financing may provide other benefits as well:

It’s easy to determine the exact cost of financing and obtain an increase.
Professional collateral management can be included depending on the facility type and the lender.
Real-time, online interactive reporting is often available.
It may provide the business with access to more capital.
It’s flexible – financing ebbs and flows with the business’ needs.
It’s important to note that there are some circumstances in which equity is a viable and attractive financing solution. This is especially true in cases of business expansion and acquisition and new product launches – these are capital needs that are not generally well suited to debt financing. However, equity is not usually the appropriate financing solution to solve a working capital problem or help plug a cash-flow gap.

A Precious Commodity

Remember that business equity is a precious commodity that should only be considered under the right circumstances and at the right time. When equity financing is sought, ideally this should be done at a time when the company has good growth prospects and a significant cash need for this growth. Ideally, majority ownership (and thus, absolute control) should remain with the company founder(s).

Alternative financing solutions like factoring, A/R financing and ABL can provide the working capital boost many cash-strapped businesses that don’t qualify for bank financing need – without diluting ownership and possibly giving up business control at an inopportune time for the owner. If and when these companies become bankable later, it’s often an easy transition to a traditional bank line of credit. Your banker may be able to refer you to a commercial finance company that can offer the right type of alternative financing solution for your particular situation.

Taking the time to understand all the different financing options available to your business, and the pros and cons of each, is the best way to make sure you choose the best option for your business. The use of alternative financing can help your company grow without diluting your ownership. After all, it’s your business – shouldn’t you keep as much of it as possible?

SPDN: An Inexpensive Way To Profit When The S&P 500 Falls

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.