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Health promotion aims to enrich the health of individuals through awareness in environmental factors, education, and behavior. Health promotion can be described as a way to positively guide the psychological, environmental, biological, and physical health of individuals and communities. Health promotion can include behavior, skills, attitudes, and health knowledge. By being educated on this topic, individuals can help prevent disease and increase their quality of life through behavior changes. Through education and prevention, individuals may reduce financial costs for themselves, employers, and what insurance companies might spend for medical treatment.Individuals working in the health field may be responsible to administer the following tasks: construct social marketing and mass media campaigns, organize community action, conduct research for scholarly articles, and assess, develop and implement health education programs. Workers may also be responsible for writing grants and advocating for community needs.Those considering earning a degree in health promotion should be interested in issues in fitness and wellness and the health of others. They should want to advocate for healthy living and come up with creative ideas for healthy lifestyle changes. A career in promoting healthy living could include helping individuals manage and treat stress, physical inactivity, substance and alcohol abuse, insufficient nutrition, and unsafe sexual activity. In this field, workers may be responsible for offering behavior change suggestions, and setting realistic goals for their clients, and following up on medical screenings and appointments. Students may be suited for careers in hospital programs, fitness programs, government and nonprofit health agencies, hospitals, and schools. Those with a degree in health promotion may also be qualified to be a personal health coach, work in a health and wellness center, or in a pregnancy facility or program.Promoting health goes a step beyond health education by requiring intensive-specific study. Students may take classes in stress management, anatomy and physiology, and health management. Those in this field may be employed through schools by teaching a health class, or working in health services to promote a healthy lifestyle for students. Colleges may hire individuals with a degree in health promotion to teach a course, promote community organizing, or train peers in disease prevention. Individuals deciding to pursue a health degree may take foundational courses such as nutrition, psychology, biology, and statistics. Through studying health education and promotion, participants should be able to help other improve their own wellness in order to live a longer and more satisfying life.

Planning for the year ahead is never an easy task. Lack of resources (people, time, budget), keeping up to date on what’s going on in your market, obtaining quality leads and improving brand awareness and reputation have become increasingly difficult for all organizations – for profit companies as well as nonprofits. This has become especially true among US CEO’s who are concerned with not just domestic but also international uncertainties.Developing A Marketing And Marketing Communications Strategy Is CriticalThis should be your priority. Without a strategy for a plan there are way too many opportunities to get off track and chew up your investment. Your ROI will suffer. Consider the following to focus your efforts when developing your strategy and plan:1. Determining, understanding and verifying your target customers and prospects should be at the top of your agenda. To improve profitability and ROI you must know what your audience wants and needs, how they perceive your brand and how it stands up to competition.Be sure to avoid industry and company “myths” and internal “opinions”. Employ primary and secondary research to understand your audience. With so much information available about companies and brands, it is truly the Age Of The Consumer and will be for a very long time.2. Additionally, as part of your knowledge of your audience, determine the size and scope of various sub-segments that exist today and will tomorrow. For example, does your audience include women, or Asians, or Hispanics? If so, look at the dramatic growth of these segments of the populations and determine if your brand needs to pay particular attention to them.Also, recognize that millennials (23% of the US population) are not a homogenous group. At the younger end (20 – 28 years), 40 percent t are currently living rent free with family, while at the older end (29 – 35 years), 43 percent have already purchased a home. With that in mind, how should your strategy differ if you’re targeting adults 55 years and older (21% of US population)?3. Once you clearly understand your audience, develop your unique brand position. To do this, create a brand positioning statement. The statement is a succinct description of the core target audience to whom the brand is directed and a compelling picture of how you want your audience to view the brand. Sound simple? Take a few minutes and try to answer the four components of your positioning:· The target audience, in very specific detail· The category in which you complete and its relevance to customers· The brand’s benefit and point of difference· A reason for the customer to believe – the most compelling proofAll marketing and marketing communications should flow from this positioning, and it should be fully understood and embraced by all employees, sales reps, partners and management.4. Improving brand awareness is very important but only the first step. You also need to create great customer experiences with each touch point of your brand. And that means creating brand advocacy at all levels of contact. Develop brand champions at every level of purchase and repurchase to improve ROI.Be sure these influencers completely understand, believe and can articulate your brand premise. And provide them with the training and tools to convey their trust-worthiness in a believable manner.Developing A Focused Marketing And Marketing Communications Plan And BudgetAfter the hard work of developing a meaningful strategy, recognize it’s equally important to develop a specific plan and budget. The following should be taken into consideration:1. You must be media neutral and open minded in developing your plan and budget. It is extremely important to understand the difference between “efficiency” and “effectiveness”, and not get caught up with the latest trendy new tactic.Regardless of the specific marketing tactic, or type of digital or traditional media, you’re evaluating, keep in mind that cost efficiency does not necessarily lead to effective results. Also, and most importantly, the best source of marketing communications leverage is the quality of the message, not the marketing tactic.2. The scope and diversity of marketing and marketing communications tactics has grown faster than the ability to measure some of them. Marketers now are actually spending money without knowing how it impacts their profitability and ROI! Consider the variety of ways in which nearly $450 billion is expected to be spent in the US in 2018:· Sales promotion ($83 billion), telemarketing ($60 billion), direct mail (($46 billion) and events ($40 billion) highlight projected 2018 US Marketing Services expenditures;· The internet ($78 billion), television ($68 billion) and the combination of radio, newspapers and magazines ($47 billion) are projected to be at the top of the 2018 US Major Media spending categories.Source: Zenith Total US SpendingAnd while it may surprise you, 90 percent of consumers (and 94 percent of millennials) still use coupons. The coupons come from a variety of on-line and traditional mediums, but mail is most popular. Why do marketers still use coupons? The simple answer is because they’re effective in guiding purchase. In developing your own plan and budget, determine and recognize the effectiveness of all marketing tactics, not just their efficiency.ROI Focused Marketing And Marketing Communications ConsultantsIf you’re like most small and midsized companies, you and your team may not have the expertise or time to develop an ROI focused marketing and marketing communications strategy, plan or budget.Even major global brands are seeking outside advisors. In my May article, I discussed the dramatic growth of management and accounting consulting practices (33% increase in US revenue) at the expense of traditional global advertising agencies (0.3% increase in US revenue). One reason for this 2017 growth of consultants is their focus – not on trends or what’s in the news – but on marketing and marketing communications effectiveness, profitably and ROI.While you may not be able to afford the large global consultants, you should consider hiring a marketing and/or marketing communications consultant. The type of people you should hire should:· Have a focus on ROI, with significant experience across industries, b2b and b2c brands, both large and small, as well as for profit and nonprofit organizations· Be media neutral, apolitical, down to earth, be willing to be part of a team and “tell it like it is” so candor will flourish· Have flexibility to bring in other professional specialists when and as needed so that overhead isn’t an ongoing expense· Have strong convictions to measure what has been done and measure what will be done to improve ROI, perhaps including a marketing communications auditIn today’s challenging environment, a greater focus on strategy, planning and budgeting can go a long way toward leapfrogging competition and improving brand profitability. And the fresh eyes of a consultant can go a long way to building a meaningful future for your brand.

Australians already know that health coverage can provide security for individuals and families when a medical need arises. Many, however, do not know how to find the best value when comparing health insurance policies.Below are 10 tips everyone should read before shopping for private health coverage.1. Choose coverage that concentrates on your specific health needs, or potential health needs.The first thing you should do before comparing your health plan options is determine which policy features best fit your needs. A 30-year-old accountant, for instance, is going to need very different coverage than a 55year-old pro golfer, or a 75-year-old retired veterinarian. By understanding the health needs that most often correspond to people in your age and activity level group – your life stage – you can save money by purchasing only the coverage you need and avoid unnecessary services that aren’t relevant. For instance, a young family with two small children isn’t going to need coverage for joint replacement or cataract surgery. A 60-year-old school teacher isn’t going to need pregnancy and birth control-related services.Whether it’s high level comprehensive care you’re after, or the least expensive option to exempt you from the Medical Levy Surcharge while providing basic care coverage, always make sure you’re comparing health insurance policies with only those services that make sense for you and your family.2. Consider options such as Excess or Co-payment to reduce your premium costs.When you agree to pay for a specified out-of-pocket amount in the event you are hospitalized, you sign an Excess or Co-payment option that will reduce your health insurance premium.If you choose the Excess option, you agree to pay a predetermined, specific amount when you go to hospital, no matter how long your stay lasts. With a Co-payment option, you agree to pay a daily sum up to a pre-agreed amount. For example, if Joanne has an Excess of $250 on her medical coverage policy and is admitted to hospital, regardless of how long her stay turns out to be, she will pay $250 of the final bill. If Andrew has signed a $75×4 Co-payment with his provider, he will pay $75 per day for just the first the first four days of his hospitalization.For younger individuals who are healthy and fit with no reason to expect to land in hospital any time soon, either of these options are great ways to reduce the monthly cost of your medical insurance premiums.
Keep in mind that different private insurers have their own rules when it comes to Excess and Co-payments, including how many payments you will need to make annually on either option. It is important to read the policy thoroughly and ask questions in advance in order to have a clear understanding of what you are paying for, and what you can expect coverage-wise in the event that you are hospitalized. Also, make sure you choose an Excess option greater than $500 if you’re purchasing an individual policy, or $1,000 for family coverage, in order to be exempted from the Medicare Levy Surcharge.3. Pay your health insurance premium in advance before the cost increases.Each year insurance providers increase their premiums by approximately five percent sometime around the first of April, a practice approved by the Minister of Health. By instituting these annual increases, your health insurance provider retains the ability to fulfill their obligations to policyholders despite increasing medical costs.Most private medical policy providers allow policy holders to pay for one year’s premium in advance, which locks them into the previous year’s rate for an additional 12 months – a great way to save money. In order to take advantage of the savings offered, most insurers require payment in full be made within the first quarter of the year, between January and March.4. Lock in to low cost health insurance at an early age.The most obvious advantage any Australian can take when it comes to saving money on your insurance premiums is to buy in early to the least expensive rate available. And by early, we mean before age 31. Everyone who is eligible for Medicare will receive at least a 30 percent rebate from the government on the price of their health care premium, no matter what age you are. However, by purchasing hospital coverage before the July first following your 31st birthday, you can be ensured the lowest premium rate available.After age 31, your health insurance rate is subjected to a two percent penalty rate increase for every year after age 30 that you did not have health insurance. Therefore, if you wait to purchase private health coverage until you’re age 35, you will pay 10 percent more annually than you would have if you had purchased it at age 30.There are exemptions for some people who were overseas when they turned 30, or for new immigrants, and certain others under special exception status. However, if you purchased private insurance after age 30 and are paying an age loading penalty on your health coverage, you will be relieved of the excess penalty after 10 years of continual coverage.The earlier in life that you lock in to a private health plan, the more money you will save both immediately and over your lifetime.5. Choose a health care provider who already works with your health fund.Determine which hospital you prefer if and when the need for treatment does arise, and seek out those health insurance providers that have an agreement with your hospital of choice before making a decision on your health insurance purchase.It’s a good idea to also find out if your insurer has a list of “preferred providers,” which would include those physicians and practitioners who also have made arrangements with the health funds regarding their charges for services. Request this information from every provider when comparing health insurance policies. This way you can be sure you’ll receive the full gamut of benefits available at the lowest possible cost. These preferred providers often have “no gap” cover – special rates that reduce or eliminate out-of-pocket expenses to policyholders.6. Double check your health insurance policy before you schedule any treatment or procedures to make sure you have coverage.Any time you are headed to a private hospital for treatment, first check to see if the hospital and your health insurance provider have an agreement to be absolutely sure you have adequate coverage. At the same time, check with your insurance provider, physician and the hospital to see if there is a Gap between their fees and the government’s Medicare Benefits. This is extremely important because if your physician charges more than Medicare covers and you do not have a “no Gap” plan set up, you could find yourself responsible for a considerable bill. Simply contact your doctor and your insurance company to double check on these items, and avoid being saddled with an out-of-pocket expense your weren’t expecting.7. File your expense claims promptly.When you have a health insurance membership card, you can file a claim against your benefits at the time of treatment with no additional paperwork or filing to worry about, at least in most cases. Sometimes, you may still need to file a claim with your insurance provider. When that happens, make sure to file your claim promptly. The typical cut off for insurers to pay health care claims is two years. You can file your health insurance claim directly with your provider or at your area Medicare office, which has a reciprocal agreement in place with most insurance providers.8. Whenever you travel overseas, suspend your health coverage.Anytime you travel overseas for more than a few weeks but less than 24 months, certain medical insurance providers allow policyholders to suspend their memberships for the time they’re out of the country, freeing the policyholders from paying premiums during that time period. While your insurance policy is suspended, your Lifetime Health Cover status remains intact, so you do not have to worry about age loading added when you return home. Contact your health insurance provider to make sure of their policy and rules regarding waiting periods and re-activation.Remember too that Australia has reciprocal arrangements in certain countries, including New Zealand, Finland, Ireland, Italy, Malta, the Netherlands, Sweden and the U.K. For more information, visit http://www.smartraveller.gov.au.9. Review your policy benefits annually.Lifestyles change, individuals get married, have children, age – children grow up and move out on their own, couples separate. A lot can happen in the span of 12 months, which is why the Private Health Insurance Ombudsman recommends that everyone review their policy benefits once every year to make sure your coverage still fits your needs.Regardless of your life changes, your Lifetime Health Cover status remains protected, and waiting periods for benefits that equal your current coverage are waived in compliance with the Private Health Insurance Act of 2007. This means you will be able to file claims related to features you had before you made any changes without interruption in benefits.10. Compare policies to get the best price and the coverage you need.To make sure that you are getting the best possible price on your health insurance premium, you must compare policies from different insurers, Make sure you are comparing policies that reflect the treatment plan and coverage you need, without filler services that you won’t need. The more you know about private health coverage and government sponsored Medicare, the more likely you will find the best value for your money when it comes time to purchasing or renewing your health coverage.

This exploration needs to convince you to consider doing your business online and to be discussed later here are 5 reasons why you should take your business online. It is best for you to take advantage of what advanced technology has in store for you. The internet has opened for you a far wider access to more number of clients and also to a lot of products that you need in your business.One reason is: Everyone, except you, is doing business online. You’ve been left behind and that’s why you feel that your business is not picking. Before you go to bankruptcy and lose every penny you had sweat out for, try enlisting the help of a friend or a business compatriot on how to make your business go online. If not, you can surf the internet and find a company that will help you set up the system for an online business. These companies charge affordable prices in lieu for doing each and every detail for you.Second on the list of 5 reasons why you should take your business online, is knowledge about the latest technology. That the internet is the most effective medium by which people can get and process knowledge is an understatement. For some people, it is the only right medium by virtue of the internet’s speed and volume of materials for knowledge. Being a businessman, you don’t have any other tool that will help you succeed than the internet. From human resource management to incorporating new techniques in improving your operation and your product, the internet is ready to give you what you need.Third of the 5 reasons why you should take your business online is getting a wider access to clients from both in-shore and out-shore. You do not want to run a small business because you will have to expand for more coverage and perhaps, come up with some new products and services to offer. Online businesses can be accessed by more people all over the world. Everyone is doing their transactions online and so you really have to accommodate growing demand for products among people. If you cannot be accessed online, people will think that your business does not exist.Fourth reason is: You save time when you do your business online. Recent research findings have shown that people including businessmen save as much as 60% percent of time when transactions are done online. The internet offers the fastest venue for communication among people apart from faster mode of exchange of goods and services. For you, that is a way of finding time for you and your family.Last on the list is: Your money is safer when transactions are done online provided you take precautionary measures against scammers. Keep those passwords and important numbers in your memory and do not share them with anybody. With an online business, there will be no checks to sign and no cash to bring.These 5 reasons why you should take your business online are enough reasons for you to get that business a-rolling online NOW.

If you have never heard of a small personal loan, you may be wondering what it is and how it can help you. Though some small loans are interchangeable with payday loans, where you are given money at a very high interest to use until you are next paid, there are others that are more useful. Small personal loans are basically any unsecured loan that is for $10,000 or less which is often used in lieu of credit cards.Who Can Receive a Small Personal LoanOne problem with small personal loans is that often they can be difficult to obtain if you have bad credit. Many lenders will insist on collateral for the loan, making you place your car or home in jeopardy should you be unable to pay the loan. Small personal loans are really a better option for those with better credit scores who can obtain these funds at an interest rate much lower than many credit card companies.The Uses for Small Personal LoansIf you are one of those people with good enough credit to qualify for an unsecured loan, the next step is to determine what use it would have to you. Unlike home or auto loans which must be used for specific purchases, personal loans can literally be used for anything.Some ideas for the use of an unsecured personal loan are:A means to consolidate debt (often credit card debt) into one payment with lower interest rates.Many small personal loans will have interest rates as low as 5.9% which is much better than even the lowest credit cards. Using this kind of loan to consolidate debt in this way can literally save you hundreds in interest.A way to make a large purchase, such as home furnishings, with a longer term payment plan and a lower interest than offered by stores.Other home improvement projects can also be costly, such as furnace replacements or upgrade to windows, the roof, etc. Basically, you can use small personal loans as alternatives to a home equity loan if you cannot get one. An unsecured small loan can provide a great way to get improvements done quickly with the lowest interest rate around.A method for paying unexpected expenses over time that provides a better interest rate than credit cards.Emergencies happen, and there is really no way to fully prepare for them. That’s why they are called emergencies. If you have already had any number of these situations happened, consolidating your payments for them into small personal loans can go a long way in making the pay back process easier.A safety net that you can use for “emergency” funds such as unexpected medical bills, car repair, etc.On the flip side, you also want to be prepared for these events in the future, and using a loan to build a safety net allows you the reassurance of knowing that you have already made the plan to pay the loan back, rather than worrying about doing so in the midst of a crisis.Finding Small Personal LoansThe final question you may have is where to find these loans. Obviously a great place to start is at the bank where you already hold an account, especially if it is a credit union. Having an account is not a guarantee for success, but your current financial institution is familiar with you and your credit history, plus they may offer lower interest rates to current customers. However, if this is not an option for you, consider one of the many online lenders who offer similar loans at similarly fantastic interest rates.

Car financing can benefit you in more than one way. Auto loans are not only an alternative for buying a car but also a means of improving your credit score. Car loans can be a blessing for borrowers because they improve credit scores. One such car loan is post bankruptcy auto loan.Most people think it is impossible to get auto financing options after filing for bankruptcy. But, the reality is different. One can easily get a post bankruptcy auto loan and can buy the car of his choice. This article will solve all your queries regarding auto financing after bankruptcy and provide you a better understanding of the subject.What Is The Need For Post Bankruptcy Car Loans?When you have just come out of bankruptcy, you have a very bad credit score. It becomes extremely difficult for you to get a car loan. So, you need a very specific auto loan option which can help in getting a car and improving your credit score as well. A post bankruptcy car loan can help you in fulfilling both.Can I Get An Auto Loan After Filing Bankruptcy?Although you can get an auto finance after filing bankruptcy, it is better to wait till your bankruptcy is over. Once you have a discharged bankruptcy, you can expect reduction in interest rates. This is so because lenders associate high risk with bankruptcy. But, once you get out of it, the risk factor reduces. Also, coming out of bankruptcy is a major success. Lenders think that if you can successfully handle a bankruptcy, car loans would be very easy for you. Keeping this in mind, it’s best to apply after discharging your bankruptcy.How Long To Wait Before Getting A Post Bankruptcy Auto Loan?Every lender has separate lending criteria. There are many lenders who offer auto loans to borrowers with open bankruptcy. But, the interest rates will be very high if you apply for an automobile loan with open bankruptcy. So, it’s best to wait until you discharge bankruptcy.You can submit the car loan application the very next day of discharging your bankruptcy. However, if you are not in urgent need of a car, it’s advisable to wait for two to three months. During this time, you must concentrate on improving your credit score. This will aid in lowering interest rates.How to Apply for Auto Financing Post Bankruptcy?There are many options to get an auto loan after coming out of bankruptcy. You can apply with a local dealer, private lender or even choose an online auto financing company.An online auto financing company can be a better option because they have several lenders in their network. This increases the post bankruptcy car loan approval ratio. When you apply online, you don’t even need to leave your home for submitting the car loan application. Also, your process becomes quick and uncomplicated.What to Do After Applying for Post Bankruptcy Auto Loans?After you apply for post bankruptcy car financing, you must analyze every car loan quote. Do not use monthly payments as the only factor for comparing loan quotes. You must consider APR, interest rates, car loan term, others fees and charges, etc. This will give you a more comprehensive result.A doubt is the root cause of failure. But, now that you know all about post bankruptcy auto loans, it will be very easy to get one.If you are struggling with the consequences of bankruptcy, it’s time to get a post bankruptcy car finance and build your credit score!Best of luck!

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.