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Introduction: We’re Not #1I believe Americans need a new way of thinking about health. Look where our current perspectives on the subject have gotten us – we are last among the world’s 17 most industrialized nations in all the key indicators of health. It’s hard to believe but true: we’re last in life expectancy; we have the highest rates of obesity, infant mortality, low birth weights, heart disease, diabetes, chronic lung disease, homicide rates, teen pregnancy and sexually transmitted diseases.The lead author of the Institute of Medicine, NIH sponsored study that revealed this situation remarked that “Americans get sicker, die sooner and sustain more injuries than people in all other high-income countries.” (That’s a quote from the report.) Then he added this coup de grace: “We were stunned by the propensity of findings all on the negative side – the scope of the disadvantage covers all ages, from babies to seniors, both sexes, all classes of society. If we fail to act, life spans will continue to shorten and children will face greater rates of illness than those in other nations.”Two Ways to Think of HealthI believe Americans are overly passive about their health. Good health can only be attained and maintained by conscious deeds. These deeds require planning and disciple. Examples include exercising regularly and vigorously, dining in ways that nourish the body without causing problems and otherwise behaving in positive, active ways.The level of health you will enjoy is clearly affected by your lifestyle choices. Your health status depends to a great extent on whether you invest in your well being or not. If you make little or no such investments, your health will depend on chance, genetics, the aging process and the timeliness of the quality of medical care you receive.If, on the other hand, you do invest, if you seek, protect and defend an advanced state of well being, the nature of the health status you will have will be dramatically different – and better.Therefore, we need to distinguish these two kinds of health situations – one passive, one active.The Institute of Health report that places America last reflects that segment of America that is passive. If the quite small segment of the American population that practices active health were separated, if their health data were compiled and compared, I’m sure we would be #1.For these and related reasons, I propose we view health in two different ways – by making a distinction between static health – which is how most view and approach their health, and earned health. The latter is what you get when you invest wisely in your own well being.It’s a way of life I call REAL wellness.Health As Currently PerceivedThe WHO definition of health is unrealistic (nobody, not even the most devout wellite, enjoys “complete physical, mental and social well-being,” at least not every day). Most think of health in far less exalted ways. Most think they are well if they are not sick. This is pathetic. It equates with not needing immediate medical attention. For the vast majority, this is a “good enough” view of health. Thinking that way is a self-fulfilling prophesy. It means that not healthy is the best you can hope for. This is the static definition of health and it must be reformed and at least accompanied by another, comparison perspective for those Americans willing to do their part. That would be earned health.I think we need ideas about health that remind people of a key fact, namely, that a passive situation is not as effective, desirable, protective or rewarding as a dynamic earned state of health. We should all be aware that static health, the default setting you get for just existing and doing nothing special to enhance health, can and must be reinforced and boosted.Employing a term like earned health might remind people that health can be much more than non-illness. The term earned health can signal the availability of a richer level of well being. It can remind everyone that health at its best is more than a static condition. Health is a dynamic state; it gets better with effort, worse if ignored.Earned health represents a higher health standard. Earned health is more ambitious and more consistent with a REAL wellness mindset and lifestyle than the current norm of health as non-sickness.The Static/Earned Health ContinuumThis continuum is another way of expressing Dr. John Travis’ original, simple line drawing model of health along a continuum, with “premature death” on the far left side of his continuum) and an ever-changing dynamic of “high level wellness” at the other, right side extreme. The “0″ in the middle represents a neutral point, which could be simple non-sickness.The Static/Earned Health Continuum-10 ______________ 0 ______________ +10Earned health is what happens from the neutral point to the +10 indicator. Everyone moves along an imaginary continuum of this kind every day, because health is dynamic, under constant change. By living wisely with the right behaviors, we fuel a state of health that is better than if we allow health status to be determined by the passage of time (i.e., the aging process, chance, medical interventions, circumstances and events.This continuum is a simple way of depicting the basic fact that earned health evolves largely due to our own efforts to improve and protect our well being; static health, on the other side is affected by what happens to you.By the way, Dr. Travis made regular expansions to his original model. You can view the latest edition and read more the continuum here. A related construct that will interest wellness enthusiasts is Dr. Travis Wellness Energy System.Earned health is not determined or advanced by medical interventions. Static health, that is, health along the continuum from the center to the left of the of the continuum, is so influenced.The Path to REAL WellnessTo become healthier in an earned sense, it’s up to us to act so as to move along the right side of the continuum.The failure to appreciate the different nature of health, earned from static, partly accounts for why America can have so much medical care and yet not enjoy the best quality of health status. After all, modern medicine is a wonderful thing but there are two problems: people expect too much of it and too little of themselves.Understanding the difference between static and earned health might encourage people to be less passive – to realize the need for and value of REAL wellness lifestyles.A Fable Here is a fable to express the limits of medicine to boost health status versus the power of our own behaviors.Imagine a country where everyone owns high powered luxury cars – they cost next to nothing and are easily replaced. In this mythical country, everyone gets unlimited free medical care of the highest quality, plus all the medications they need plus there are highly skilled trauma teams set up at every intersection. The thing is, the people in this mythical country can do whatever they like – there are no laws governing auto safety. Everyone drives way over the speed limits, nobody wears seat belts, there are no air bags and no stop signs, traffic signals or rules of the road. One more thing – brakes haven’t been invented yet.Interpretation of the FableThe greatest advances in the mythical society would not follow from introducing more doctors, hospitals, drugs or trauma teams. Changes in customs and driver behaviors would, on the other hand, go a long way to promote a healthier society.Changes in lifestyles are also the key to better health outcomes in the real world, our country in particular. We have a great health care system – now we need sensible people making wise lifestyle choices that make life not just healthier but more rewarding, more fulfilling and more attractive. We need to help people understand that health is not only a static phenomenon: Earned health offers so much more.The philosopher Epicurus (c. 341-270 BCE) offered this bit of wisdom long ago: “It is impossible to live pleasurably without living prudently, honorably, and justly; or to live prudently, honorably, and justly, without living pleasurably.”We all want to live pleasurably. Let’s recognize and act on the other qualities that enable us to earn active positive health. Let’s embrace REAL wellness lifestyles.

ACCOUNT BASED MARKETING – WHY BUSINESSES SHOULD CONSIDER ITAccount-based marketing or ABM has been around for a very long time, but it is only now that people are really paying attention to it and implementing it closely and more consciously as part of their marketing campaign. It involves taking your resources and placing them all on a set of targeted accounts within the market. The business strategy uses campaigns that have been personalized to engage each account individually. These campaigns are developed by looking at the specific needs and wants of an account.Many people across the industry consider account-based marketing revolutionary and cutting edge. This is because the strategy looks at marketing holistically, as a whole, whereas older techniques focus too heavily on lead generation. A key attribute within account-based marketing looks at wagering and taking advantage of larger accounts. This means that you’re looking at trying to up-sell and cross-sell your larger accounts to get more value out of them, rather than spending time in the seemingly endless and tiresome loop of lead generation.Account based marketing offers benefits both for the business and its customers. This is also one of the reasons why people are drawn to it.1. Personalized and customized marketing experience.Understanding your customers better gives you a leg up on the competition and allows you to strengthen your business relationship with that customer. The personalized marketing campaign could lead to better and more sales. A large part of account-based marketing is the personalization of marketing techniques to larger accounts. By figuring out the customer’s expectations, wants, and needs, you can tailor the marketing campaign specifically to and for them.2. More realistic ROI expectationsAccount-based marketing is known for giving higher returns than any other marketing strategy. It offers the highest return on investment (ROI) than any other B2B marketing strategy. The new strategy gives more precise measurements of the ROI that a company can expect. In turn, it allows companies to get a better grip on how their customers are responding to certain advertising techniques. This means that they have more control over what tactics are working as well as those that aren’t working.3. Strategic use of available, fewer or limited resourcesThe account-based marketing approach focuses on a smaller number of accounts at a given time. Because they’re working with fewer accounts, they are more likely to bring those accounts to the final sales process. You’re actually going to be bringing more with fewer resources. This also frees up resources that used to be spent on funneling numerous companies. So, companies who use account-based marketing tactics can use these now free resources to complete and focus on other tasks.4. Shorten sales timeline significantlyWith your sales and marketing teams are working together to align and move accounts through the sales pipeline, you’ll find that the sales cycle shortens significantly. Your teams don’t have to juggle multiple moving parts separately. Rather, you’re streamlining the process and making it easier for everyone to keep up with the leads and customers that your business currently has. This also makes it easier to cater to these specific customers, making sure their concerns are addressed appropriately and in a timely manner. They don’t get lost in the noise.5. Better, more effective and efficient marketing and sales alignmentMarketing teams and sales teams are more likely to and should work together to accomplish goals and sales together. By bringing these entities together, they can work on important tasks as a team rather than individually:
Identify accounts that you want to target

Create customized/personalized marketing campaigns for those targeted accounts.

Aligning accounts and moving them along the sales cycle as a team

Having an account-based marketing approach will take your lead conversion method to a new level. If your marketing and sales teams are still separated, you likely run into a lot of issues when it comes to successfully converting leads into sales.

When you travel the halls of your memory, who do you remember as your most influential teachers? How did these teachers influence your life and change it for the better? Great teachers spark more than math, literature, or science in your life. They spark something else as well, something deeper and long-lasting that stays with you. As an individual living your life, you have another teacher you may not have touched on in your memory. That teacher is you! When you’re trying to get healthy and support your body and mind better, your inner teacher is key toward achieving what you want.Health involves learning. You learn about your body and which lifestyle habits foster balanced health, versus which habits derail health. But you also learn something else. You learn about yourself as a person, how you face challenges, and which obstacles are blocking your road to health. The journey toward health involves more than regimens for diet, exercise, and sleep. The journey is unique to who you are and where you’re at in life too.Bringing out your inner teacher to learn about your health isn’t always easy. Everyone wants to believe they are perfectly healthy, and sometimes facing the reality that your health needs more support can be challenging. It means admitting that you’re not perfect and that you still have more to learn. It takes knowing that supplements, medications, or doctor’s visits alone can’t keep you healthy. You as a person are an essential part of your health, and acknowledging this fact takes honesty and courage.When you call forth your inner teacher in an open and honest way, you can explore your physical and mental-emotional health through a unique lens. You can ask yourself if there are societal and personal expectations that are burdening you and blocking your health. You can explore whether some part of your past unfairly has a hold on your health and who you are today. You can explore your relationships with yourself and other people to see whether they are supporting or hindering health. You can also notice how you manage stress and emotions and whether your current approach could use some adjustment for better health.Good teachers both challenge you out of your comfort zone and patiently support you through the discomfort that can result. Getting healthier can feel strange and uncomfortable at times. The body and mind are used to doing what they always do—in other words, homeostasis or equilibrium. They will maintain states of health, but they also maintain states of unbalanced health. To get healthy, your inner teacher has to push you beyond comfortably unhealthy habits. On the other hand, your inner teacher also has to patiently help you through these potentially awkward transition periods and regularly remind you: “I can do this!”What steps have you taken lately to bring out your inner teacher on the road to better health? If you feel that it’s been a while since you’ve listened to your inner teacher, that’s okay. He or she is always there and you can turn to that side of yourself when your health feels neglected or stuck. Remember to give your inner teacher the same respect that you would any other great teacher in your life.As you head into the autumn season, a period of time that is infused with transition in the air around you, encourage your inner teacher by asking yourself the following questions:1) What are current strengths in my health?2) What are some weaker points of my health that require more attention and learning?3) Without focusing too much on the past or the future, what steps can I take today toward better health?4) What are my obstacles to health in the present moment?5) How can I create space in my life for my inner teacher to express itself and help me with health?As you ask yourself these questions, you’ll find that your body and mind naturally know which direction to go in—if you listen to them. By paying attention to your inner teacher, you’ll learn new things about your health and how better to support it. And you’ll enter your own hall of fame of great teachers.

Pursuant to the local Thailand tax laws, the income of a public entertainer is subject to personal income tax in Thailand.A foreign public entertainer who performs in Thailand is required to file a personal income tax return and pay Thailand personal income tax on the income earned for the performance, including any income that may be paid outside of Thailand for the performance and any benefits that the promoter in Thailand may provide to the public entertainer for the performance in Thailand, such as transportation and accommodation costs.A foreign public entertainer is also required to obtain a tax clearance certificate from the Revenue Department prior to his or her departure from Thailand.In the case where a public entertainer acts or performs in a group or as a team, the income received (even if received individually) shall be included in a “body of persons” personal income tax return, and the manager of the group or team has the duty and responsibility to file the income tax return and pay the personal income tax for the group or team as a “body”. Where however, a public entertainer in a group or a team is individually hired, each individually hired person is required to file a separate personal income tax return.For the computation of the tax payable in Thailand, the public entertainer is allowed expenses as follows:1. Expenses actually incurred necessarily; or2. Unsubstantiated expenses calculated on the basis of 60% of income up to Bt 300,000, 40% of income over Bt 300,000, whereby the total deduction shall not exceed Bt 600,000. The local Thai tax laws also impose strict withholding requirements on the promoter or the payer of income to the foreign public entertainer, whereby the payer is obliged to withhold tax according to the personal tax rates of 0-37%, depending on the level of incomeForeign public entertainers should note that none of the Agreements for the Avoidance of Double Taxation entered into between Thailand and foreign countries mitigate or reduce the imposition of personal income tax on payments made to them personally.However, Thailand’s Double Tax Agreements with the developed OECD countries of Australia, Canada, France, Germany, Japan, UK and the US, contain an additional special provision, which prescribes that in the case where income in respect of a performance accrues not to the entertainer personally, but accrues to another person (e.g. an entertainer’s star company) then Thailand shall have taxing rights over that other person’s income.For a star company that is established under a foreign law and carrying on business in Thailand, the local tax law requires the foreign star company to include the income in a corporate income tax return to be filed in Thailand, which income shall be subject to tax at the rate of 37% (i.e. 30% corporate income tax on profits plus 10% profits remittance tax).However, for a star company that is established under a foreign law and not carrying on business in Thailand (which is usually the case), the local Thailand tax law does not require the foreign star company to file a tax return in Thailand, but requires the payer in Thailand to withhold 15% tax and provide the foreign company with a non-resident withholding tax certificate.It is important, therefore, for public entertainers with star companies, which legally own or otherwise hold the legal rights to public performances, to ensure that the promoter in Thailand fully understands your legal structure and correctly applies taxes according to the prescriptions in the Double Tax Agreements.

Is your online business suffering from a bad social life? Are you hosting and serving lots of visitors regularly, or are you a bit of an online “Billy no mates” with very few friends? A news snippet noted that a staggering 4 out of 10 British businesses have not attracted a single visitor to their websites – ever. Bummer! Why spend all that cash and then not benefit? If that happens to be you, how can you attract online visitors like bees to a honeypot?First of all, if your business online falls into that category – don’t give up! It sucks to receive little or no website traffic at all after your investment. The good thing is that you don’t have to stay stuck as a lonely online wallflower – you can learn how to not only attract online visitors, but also keep them.So, what are some honeypot secrets to attracting online visitors to your business?1) You must take responsibility for your website – not the designer. If you have invested your money and paid a designer to get your webpage up and running, they have done their job already. They have tweaked and played around until you are happy with the set-up and now it’s over to you. You have to take the next step and get the content of your site right for your business online. They are not copywriters, they are designers.2) Make the words do the work. One of the reasons you outsourced web design for your business online in the first place was because you didn’t have the knowledge or skills to do it for yourself. Well, the same is true for the words on your page – you need good copy to attract visitors. Badly written copy turns them away.The difficulty is bridging the gap. Your business online is yours, and only you know what you want to say to the world. Your input is crucial, since designers can only arrange your words on the page, and don’t usually get involved with the copywriting. Everyone knows writing can be hard, so if you can’t do it and don’t want to learn how for yourself, outsource the work to a ghostwriter or copywriter.3) Honeypot secrets to attracting online visitors means telling your customer what’s in it for them. It’s a well-known fact that mankind is a little bit selfish, and whilst you think it’s in their interest to know all the ins and outs of your product or service, the only thing they are truly interested in is how they benefit. So how do you tell them?4) Explain WHY they need it – instead of just bombarding your visitor with hard facts and techno features. For instance, if you have invented smell-free dog food, explain the features of the benefit: your kitchen smells nice with no pongs lingering, it’s nice when the dog jumps on your lap because their breath doesn’t smell, cleaning up after your pet isn’t so bad. etc etc. Learn to link the facts with the benefits.

The lowest rate interest personal loans are hard to get these days, because many banks and financial institutions have made stricter rules and increased their rate of interest on these loans. Many people who are in serious need of lowest rate loans look for banks that offer them. How do people find banks offering low rate of interest on loans? Will there be any hidden costs or conditions that might rob the individual of all benefits for these loans?Banks give people loans to help people buy homes, cars, appliances, or to start their own business or to pay bills. Many people are in dire need of lowest rate interest personal loans, because they find it hard to make ends meet. Low rate loans are hard to find these days, because the interest rates have shot up due to economic conditions and the demand for loans, especially on low rate interest.How do people identify banks that offer lowest rate interest personal loans? First, collect data about the banks offering loans and analyze the rate of interest charged at each bank. Then contact the bank that offers low rate interest loan and meet the bank’s financial assistant to determine the real value of the personal loan. These loan officers are able to guide the customers through the process and assist them in assessing the real interest value of the loan.Lowest rate interest personal loans are generally offered by micro-finance companies and government organizations. Some NRI banks also try to offer loans with a low rate of interest, as they want to serve people who are in need. Identify these banks that offer lowest rate interest personal loans and apply for the loan by submitting the proper documents. Generally, address proof and credit history is what the banks check before offering loans.Today, almost all banks have online web portals; hence checking the personal loan options and the rate of interest for each loan type is very easy. Lowest rate interest personal loans generally might have other hidden costs, so it is important to check if there is any other cost to be paid. Some banks will say they offer low interest loans, but when people actually apply, the bank asks too many questions or does not agree to loan the amount needed. They also ask for too much documentation and verifications that are unnecessary.It is best to go personally and consult with a banker about the lowest rate interest personal loans before actually making the decision on which loan to take. These loans help people in many ways. People can get out of debt, pay back their long pending bills, get a health benefit, buy a home or car, or even educate their children. It is always best to keep some savings for unexpected expenses. But sometimes, events happen so fast that we exhaust every penny we have and so we have to opt for low rate loans. Making the right inquiries so as to make the best decision when choosing the best bank that offers lowest rate interest personal loans will help in the long run.

There are definite benefits to refinancing auto loans, but there are also some aspects that you should beware of before you decide to refinance your car or truck. While this is a sure way that many take to save money in the form of lower interest rates (APR) and monthly car payments there are many more that either don’t know about refinancing or do not consider the savings benefit of doing so.What is car refinancing? It is similar to refinancing a mortgage but a less complex process that is faster. Essentially your current auto loan is paid off from the original lending institution at a better rate by a new lender. It is this reduction in the rate of interest that will lower your month car payments and that may also allow you to pay off your auto loan faster. In some cases the reduction in your auto loan interest rate and payments can be dramatic. This alone is worth investigating your options, which can be done quickly online. Today free, no obligation auto loan refinance quotes can be found, secured and compared with a little amount of time and the click of a mouse.Refinancing auto loans for people with a bad credit history is also available and a great choice. Out of all the people who decide to refinance, you stand to realize the lowest interest rate reductions and auto loan payments. If a year or so ago you acquired a sub-prime car loan with a high interest rate because of a poor credit history but have gained stability in employment and this is reflected by on time car payments, you may now be qualified for a substantially lower interest rate. It makes the most sense for you to make certain that you are not paying more than you have to by refinancing your auto loan or at least researching it.When you choose to refinance your current auto loan you can keep the same or reduced terms (length of time) as your current loan, but at a lower interest rate, this will allow you to pay off your car faster. But you can also choose to have lower payments by extending the terms that remain on your current loan. Doing this can result in you paying more interest over the life of the car loan, even with a lowered interest rate.Keep this in mind, it is most beneficial for you to refinance an auto loan sooner than later. You will see more savings when you refinance your loan quickly, within one to two years, since most of the interest of an auto loan is ‘charged’ in the beginning portion of the loan. You will save more money, this could allow you to pay off your car loan ahead of schedule.You know if your current auto loan rate and payments are excessive, now you can find relief. Comparison is the key here. Your local bank or credit union if you are a member, are great places to start. Most have a presence on line where you will find them and other reputable lenders willing to refinance your loan at their current, lower rates and terms. Compare at least three lenders quotes online to find the lowest APR for refinancing auto loans and the best terms, especially for people with bad credit.

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.