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  22. <title>The Top Secret Details Into Marketing That Some People Don&#8217;t Know About</title>
  23. <link>https://vkdwems.info/the-top-secret-details-into-marketing-that-some-people-dont-know-about/</link>
  24. <comments>https://vkdwems.info/the-top-secret-details-into-marketing-that-some-people-dont-know-about/#comments</comments>
  25. <pubDate>Thu, 30 Mar 2023 15:59:34 +0000</pubDate>
  26. <dc:creator>admin</dc:creator>
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  29. <guid isPermaLink="false">http://vkdwems.info/?p=61</guid>
  30. <description><![CDATA[Definitions of MarketingEvery day in 1 way or another, marketing needs to be undertaken in a retail business enterprise. Direct marketing is easily the most annoying type of marketing over any channel. Inbound marketing works effectively for many distinct businesses. It provides you with the opportunity to establish solid, meaningful, enduring relationships.A marketing funnel is [...]]]></description>
  31. <content:encoded><![CDATA[<p> Definitions of MarketingEvery day in 1 way or another, marketing needs to be undertaken in a retail business enterprise. Direct marketing is easily the most annoying type of marketing over any channel. Inbound marketing works effectively for many distinct businesses. It provides you with the opportunity to establish solid, meaningful, enduring relationships.A marketing funnel is what takes a possible customer through the full journey from discovering your small business, all of the way to purchasing your merchandise on a normal basis. Direct marketing could possibly be the absolute most annoying type of marketing, but it&#8217;s the strategy whose direct ROI is the simplest to track. Very good marketing aligns with the company. Deciding the most suitable moments in time to create big marketing pushes for big effect.Marketing can be costly. Unlike many majors, it is not only a multidimensional industry, but it&#8217;s also constantly changing. Multi level marketing is fun especially if you&#8217;re a people person. however, it can help you get in front of the competition if you are prepared and know what it is that you&#8217;re speaking about it is going to help your prospect or customer feel comfortable and trust you and that alone will make you successful in your organization. It is a real business it does not cost a lot to join a company I know a company where you can join four ninety-nine dollars but just because you do not have to invest a lot to start doesn&#8217;t mean you cannot make a lot of money and you do not have to do the work.What Is So Fascinating About Marketing?<br />
  32. If a business is staying away from PR then it usually means that they&#8217;re losing out on several things. In the process, and because of a reasonable anticipation of the threats, it possesses the capability to solve the problems as fast as possible. Your dental online marketing company should ensure you first dominate the city your office is in and expand from that point. A decent dental web advertising company will be constantly pushing you to acquire great reviews and assisting you to develop new strategies on the best way to acquire happy patients to leave reviews.A marketing program is intended to establish, direct and coordinate a corporation&#8217;s sales and marketing and advertising efforts. For a site to effectively attract new clients and clients, it has to be built around a strategic Inbound Marketing plan. A wonderful inbound marketing and advertising plan starts with a very clear and thorough buyer persona. Your company&#8217;s Spanish advertising plan should be as culturally aware since it is grammatically accurate.The Marketing Cover Up<br />
  33. Set aside some time and set a number of hours into deciding how you&#8217;ll advertise your company during the next calendar year. If it comes to Automotive business, companies want to interact with quite a few clients, suppliers both inside and outside the organization. Business to business is a little more complex, but may also be quite profitable. How you want to advertise the business 3. Even for those who have a little organization, you are the lone owner. If you need a multilevel advertising company, you should be a people&#8217;s person.Marketing &#8211; Dead or Alive?<br />
  34. By harnessing the popularity of wristbands, businesses can employ a productive advertising strategy to construct consumer awareness. The organizations are finding it hard to deal with the cut-throat competition at the domestic level, causing the decrease in profits. The business then needs nice and talented candidates that are capable of handling the enterprise. Many businesses make the most of the best prices on wristbands to purchase them in bulk to advertise their company. Many dental marketing and advertising businesses claim to compose unique content for your site but actually just cut and paste articles from some other places. A very good dental advertising business will work in tandem with your office manager to make certain they are managing your staff correctly so everybody is executing the tasks required to make your dental marketing successful.Marketing<br />
  35. Constant study and monitoring of the advertising environment will probably allow a business to prevent losses. To start with, if you&#8217;re marketing, it is truly imperative that you perform or acquire marketing research. Internet Market Research And Affiliate Marketing Now that numerous people&#8217;s financial woes have become larger as a result of economy, the notion of making money on the internet is getting to be one of the latest business topics, and among the very first things many individuals hear about is something called affiliate advertising.The Ideal Strategy to Marketing<br />
  36. Marketing, as an entity, has been in existence for an extremely long moment. Item marketing is a really intriguing function. Wonderful product marketing can produce the code you&#8217;re writing into something people want to have.Examine 5 Essential explanations for why you ought to use video advertising. Service marketing, as its name suggests, refers to efforts to market and sell intangible services, rather than tangible products. There&#8217;s no digital marketing and conventional marketing. To be precise and simple, it is an online promotional platform that is carried out on the web, commonly known as the internet. It is one of the most popular and lucrative sectors in online business. It is the heart and soul of any business. Network marketing is an easy business. however, it isn&#8217;t a simple organization.Click Here For Resources </p>
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  42. <title>Effective Planning and Implementation of Computer Technology in Schools</title>
  43. <link>https://vkdwems.info/effective-planning-and-implementation-of-computer-technology-in-schools/</link>
  44. <comments>https://vkdwems.info/effective-planning-and-implementation-of-computer-technology-in-schools/#comments</comments>
  45. <pubDate>Thu, 30 Mar 2023 14:26:06 +0000</pubDate>
  46. <dc:creator>admin</dc:creator>
  47. <category><![CDATA[Uncategorized]]></category>
  48.  
  49. <guid isPermaLink="false">http://vkdwems.info/?p=58</guid>
  50. <description><![CDATA[In today&#8217;s world, the workplace has been transformed. Computer technology is present to one degree or another in virtually every job or profession. To prepare students adequately for the workplace we must recognize that integrating computer technology into the classroom is essential. To execute this integration properly, careful planning must precede implementation. We must be [...]]]></description>
  51. <content:encoded><![CDATA[<p> In today&#8217;s world, the workplace has been transformed. Computer technology is present to one degree or another in virtually every job or profession. To prepare students adequately for the workplace we must recognize that integrating computer technology into the classroom is essential. To execute this integration properly, careful planning must precede implementation. We must be prepared to explore different means of implementation inasmuch as there is no perfect system or a &#8220;one size fits all&#8221; software program. Each institution must decide to what degree they will implement technology and how quickly they will do so. It is also important to appeal to educational leaders for support as well as gathering preferences from both teachers and students.In his article, &#8220;Investing in Digital Resources&#8221; David McArthur explored the notion that the decision regarding whether or not to use technology as an educational medium has already been made. What must be done is plan carefully to ensure that the long-range goals of technology integration are properly served.The leaders in higher education must &#8220;plan for and invest in e-learning.&#8221; (McArthur, 2004, p3) E-learning has become an accepted method of education just as the &#8220;Web&#8221; has been accepted in business and at home. Integrating the newer technologies to supplement existing learning has become imperative. When planning is performed correctly, the educational environment should be able to use technologies to increase teacher/student communication, enhance faculty morale by use of an &#8220;on-line resource center,&#8221; (McArthur, 2004, p2) use web-based programs to enhance recruitment, and better prepare students for the workplace.There are potential problems that must be overcome when planning for technological integration. First, the technological options are myriad and only a few will be appropriate for a given school or college. Second, while many institutions become accustomed to the idea of augmenting their educational system via e-learning, it can be troublesome and radical.Some key issues in the potential success in the adoption of e-learning can include (but is not limited to) the school or college&#8217;s present computer network capacity, the willingness of the school&#8217;s leaders to support change, current or probable resources, the potential accessibility of the e-learning services by the students.In looking at a comprehensive long-range plan, there are a number of options available. One is &#8220;Staged Implementation.&#8221; (McArthur, 2004, p4) While the critical planning should be virtually complete, not all components of the final plan need be in place at the outset. A planned multi-year plan of implementation can be used. Not only does this allow for the development of resources, it is possible to troubleshoot elements as each stage progresses. Another is &#8220;Appropriate Outsourcing.&#8221; (McArthur, 2004, p4) Not every educational institution has the in-house resources (personnel, tools, equipment) to implement even a staged plan. Outsourcing can be both cost and time saving. While it may be difficult to convince some leaders of the potential advantage in outsourcing, especially since this type of expertise &#8220;is regarded as an educational core asset&#8221; (McArthur, 2004, p6), drawing comparisons to the business world may help to demonstrate the benefits.In his article, &#8220;Herding Elephants: Coping with the Technological Revolution in our Schools&#8221; Scott Tunison addressed the issues of: 1. the extents to which schools need to visit computer technology and 2. The tactics used to make the most of the potential advantages and diminish the potential pitfalls in the integration of the technology.His reference regarding &#8220;Herding Elephants&#8221; is allegorical to managing the coming technology and learning to &#8220;integrate it into the educational framework&#8221; or moving aside and letting the &#8220;technological revolution&#8221; pass by. (Tunison, 2004, p7) Either way, educational technology is not to be ignored and it cannot be allowed to manage itself.Fundamentally speaking, much of education is unchanged from long past. The methods that have been used were for the most part appropriate for the subject at hand. A perception might be that, if the concepts to be learned have not changed then a change in teaching method is not necessary. However, even if some of the concepts have not changed, the application context as well as the learners&#8217; context has. While computers have entered the educational environment they often have been simple substitutes for other tools that already exist and are in place; tools such as blackboards, books, etc. What this means is that the process of learning remains unchanged when new uses for the available technology are not fully utilized.Educational reform is necessary if we are going to meet the needs of our students. If our culture has developed electronic media, animation, etc. then that is the context through which we must reach our students.The changes that must be made can make some educators uneasy. The learning paradigm must shift from the teacher as dispenser of knowledge to the student as active learner. Tunison cites Fullan (2001) in an identification of &#8220;three broad phases to the change process.&#8221; The phases are identified as &#8220;initiation, implementation, and institutionalization&#8221;Initiation involves some entity proposing directional change. Sometimes students ask for change and sometimes groups of teachers, administrators, and parents form committees to begin a planning process for technological integration.Institutionalization includes the perception of importance. One might say this is the stage of &#8220;damage control.&#8221; Clear policies, well trained teachers and administrators, and a supportive school board are crucial in this stage. It is important in this stage to record relevant data regarding the program for analysis. What was well planned and conceived may still have &#8220;bugs&#8221; to work out. The analysis of the data can assist in the &#8220;tweaking&#8221; of the program.Educators must be aware of the importance of technology in the educational environment and be prepared to integrate it. Technology is extensive in our contemporary culture and reaching our students must involve meeting their needs in the world they know. We may, in fact, reach more students and perhaps stem the tide of dropouts.In her article, &#8220;What Students Want to Learn About Computers&#8221; Judith O&#8217;Donnell Dooling, has informed the reader that students, parents, and administrators have specific preferences with regard to computer technology.Over time, the importance of computers and related technology has been realized. However, while spending for computers has risen, some schools have not been as successful in identifying specific computer skills and its power as a tool of learning and teaching.Student responses were varied. Many reported that they began learning about computers at an early age, usually from a more experienced person. Some students, especially in grades four through seven thought learning independently was the most enjoyable.Interestingly, students of both genders reported that they had a reasonable confidence in their computer abilities, but some differences in perception were evident. To a degree girls, but primarily boys, thought that computers were too technical for girls.The experience students had prior to school, the teacher, and computer access had a significant effect on student computer learning. Even if they, at home, had seen the computer more as a toy, they began to see them more as a tool in the school setting. They recognized the importance and power of the computer as their exposure increased.Perhaps unlike other subjects students learn in school, students exchanged computer tips, recommended hardware and software, and generally discussed the subject of computers during their lunchtime and recess.The students also saw the importance of computer knowledge as it related to its use in the workplace after their school experiences. They observed that, no matter where you work, you would be using computers to some degree.The teachers expressed the concern that not all shared the same proficiency. Many mentioned that often the students knew more than the teacher did. Teachers also observed that, though the students had a great deal of computer knowledge, it was often limited to games and software. Another observation was that computer curriculums vary greatly school to school.Teachers expressed that computer knowledge needs to be relevant. That is, it needs to be applied across the curriculum and used as an integral tool of learning. All agreed that the role of teacher needs redefinition and adequate professional development provided to facilitate the needed change.In conclusion, we have seen that computer technology in the educational setting is essential for learning in contemporary society. Selecting, planning, and implementing must be done with great care to avoid waste and potential incompatibility with the goals of the educational institution. School leaders must be convinced that paradigm shift is not an option; that teachers and students must assume new roles, and their support for new ideas is essential.We must also be able to meet students where they are. Our culture has created systems of technology to which students are accustomed. To continue teaching in an antiquated fashion does our students a disservice, especially if we are to prepare them for the workforce following their education. We must also be aware of teacher and student preferences if we are to expect them to fully utilize the new resources. </p>
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  56. <item>
  57. <title>Finding the Best Corporate Entertainment &#8211; Tips and Tricks</title>
  58. <link>https://vkdwems.info/finding-the-best-corporate-entertainment-tips-and-tricks/</link>
  59. <comments>https://vkdwems.info/finding-the-best-corporate-entertainment-tips-and-tricks/#comments</comments>
  60. <pubDate>Mon, 27 Feb 2023 17:01:42 +0000</pubDate>
  61. <dc:creator>admin</dc:creator>
  62. <category><![CDATA[Uncategorized]]></category>
  63.  
  64. <guid isPermaLink="false">http://vkdwems.info/?p=55</guid>
  65. <description><![CDATA[If your job is to locate and book entertainers or musicians for a big upcoming corporate party you almost certainly will feel a bit of pressure. It tends to be worrying when you know that your boss will place the blame on you if the corporate entertainment falls short of expectations. Booking an entertainer that [...]]]></description>
  66. <content:encoded><![CDATA[<p> If your job is to locate and book entertainers or musicians for a big upcoming corporate party you almost certainly will feel a bit of pressure. It tends to be worrying when you know that your boss will place the blame on you if the corporate entertainment falls short of expectations. Booking an entertainer that will be fresh, wholesome, and fun for a huge crowd of people isn&#8217;t an easy chore, but by making use of a few simple guidelines you will ordinarily be able to choose the ideal entertainers or musicians for your important company or corporate party.The primary objective is locating clean talent that will actually show up, put on a wonderfully special performance, be fun for your guests, and cause you to look great. Booking someone that tells offensive jokes may well put you in dire straits with the boss, so make it a point to search out clean and wholesome entertainment. If you can complete these goals, your boss and guests will certainly be pleased. But how must you attain ideal corporate entertainment? Just how do you start looking?Prior to commencing the search it is critical to understand and evaluate your potential attendees. Are they rambunctious and crazy or peaceful and laid back? Or could they be a mixture of the two? Being familiar with your attendees&#8217; personality will usually assist you in ascertaining what style of corporate entertainment might be the best. By way of example, a young audience might perhaps like a comedian or noisy live party band whereas an older and restrained crowd will typically go for a speaker, company or corporate magic act, or maybe a swing band during the meal and for after-dinner dancing.The next step is to generate a listing of potential musicians or entertainers that may perhaps be an effective fit for your crowd. If they like humor you might want to put a magic comedy act on your list. Should they like to dance you need to add dance bands to the list. Should you hire a comedy magician, make sure they perform wholesome and family-friendly comedy that is fitting for everyone in the audience. Booking good party bands is extremely common as corporate entertainment, but you&#8217;ll usually have troubles if you get heavy metal groups. Stick with live dance bands that will perform current and classic songs which are recognizable to a wide variety of individuals.Along with illusionists, humorists, and live party bands you will find many other unique varieties of corporate entertainment which could be of interest to select groups. These can sometimes include Yo-Yo experts, funny jugglers, yodelers, ethnic performers or dancers, skilled dancing entertainment, and countless others.As soon as you have decided on the best type of corporate entertainment for your particular guests your next task is to find and book the entertainers. You will find a couple of methods for doing this. You can either search online for the exact type of entertainment or music in your town or you may look for a competent booking agent. Any time you want things to go smoothly you will surely want go through a booking agent. Merely convey to them what style of entertainers or musicians you would like and how much your budget is and they&#8217;ll do all of the labor for you personally.A top notch booking agent can also take care of the legalities and contracts. Using an agreement or contract between you and the performer can offer you peace of mind that your corporate entertainment will appear at the agreed-upon time and place. Without using a signed agreement many performers may cancel on you for a bigger-paying affair if one comes along, leaving you without an act. A top notch booking agent is aware of which entertainers are responsible and always put on a good show and which ones don&#8217;t. A top notch booking agent will normally lessen your stress or anxiety a lot while undertaking all of the tedious work so you don&#8217;t need to. </p>
  67. ]]></content:encoded>
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  70. </item>
  71. <item>
  72. <title>Forestry Investments &#8211; Past Performance and Investment Options</title>
  73. <link>https://vkdwems.info/forestry-investments-past-performance-and-investment-options/</link>
  74. <comments>https://vkdwems.info/forestry-investments-past-performance-and-investment-options/#comments</comments>
  75. <pubDate>Fri, 03 Feb 2023 14:52:09 +0000</pubDate>
  76. <dc:creator>admin</dc:creator>
  77. <category><![CDATA[Uncategorized]]></category>
  78.  
  79. <guid isPermaLink="false">http://vkdwems.info/?p=53</guid>
  80. <description><![CDATA[Investors looking to diversify their portfolios and insure their wealth against the ravages of volatility in traditional markets, will most likely have come across a range forestry investments, promising to generate superior inflation-adjusted and risk-adjusted returns for the long-term investor.But how have timber investments performed? And how does the smaller investor participate in this interesting [...]]]></description>
  81. <content:encoded><![CDATA[<p> Investors looking to diversify their portfolios and insure their wealth against the ravages of volatility in traditional markets, will most likely have come across a range forestry investments, promising to generate superior inflation-adjusted and risk-adjusted returns for the long-term investor.But how have timber investments performed? And how does the smaller investor participate in this interesting alternative investment asset class?Firstly let&#8217;s look at the past performance of forestry investments, as measured by one of the main timber investment indices, the NCREIF Timberland Index; according to this basic measure of investment returns in the sector, this asset class outperformed the S&#038;P500 by some 37 per cent in the 20 years between 1987 and 2007. When stocks delivered average annual returns of 11.5 per cent, forestry investments returned 15.8 per cent.At the same time, returns from investing in timberland and woodlands have been proven to display a much lower volatility, an attractive characteristic for today&#8217;s investor.Previously, the majority of investment returns from forestry investments have been mopped up by larger, institutional investors such as pension funds, insurance companies and university endowments, who have collectively placed over $40 billion into timber investments in the past decade.So on to the second question; how do smaller investors participate in this kind of alternative investment?According to a study by Professor John Caulfield of the University of Georgia, returns from forestry investments are three-fold;<br />
  82. An increase in timber volume (biological growth of trees), which accounts for some 61 per cent of return on investment.<br />
  83. Land price appreciation, accounting for only 6 per cent of future returns.<br />
  84. Increase in timber prices per unit, delivering the final 33 per cent of investment returns for timber land owners.So the best way to harness the performance of timber investments is to take ownership of trees, either directly, or through one of the array of forestry investment funds or other structures.Timber REITsOne way for smaller investor to participate in timber investments is through a Real Estate Investment Trust (REIT). These investment structures are like funds, in that investors can buy and sell shares in the trust on an exchange, the REIT acquires and manages timber investment properties, but unlike normal companies must pay out 90 per cent of their earnings to investors through dividends.Some examples of Timber REITs are:Plum Creek Timber is the largest private owner of timberland in the U.S. and the largest timber REIT with a market cap of about $5.6 billion, many investors have chosen this as their route into forestry investments.Potlatch is also a timber investment REIT whileRayonier generates about a 30 per cent of its REIT earnings from timber.Weyerhaeuser has disposed of its paper and packaging businesses and will convert to a REIT by year end.The Wells Timberland REIT is not publicly listed but may be available for purchase through Wells Real Estate Funds.Another way for smaller investors to add forestry investments to their portfolios is to buy Exchange Traded Funds that attempt to track the performance of timber returns. This is less direct than owing timberland, or investing in a timber REIT, as the ETF may also invest in shares in companies involved in the timber supply chain including processors and distributors. This means that investing in forestry through ETFs exposes the investor to some of the volatility of equity markets.The Guggenheim Timber ETF owns about 25 stocks and REITs involved in the global timber and paper products industry with a 30% weighting to U.S. companies.The S&#038;P Global Timber &#038; Forestry Index Fund holds 23 securities and is 47 per cent invested in the U.S.Timber Investment Management Organisations (TIMO)Those with more capital to spare can participate in forestry investments through TIMOs, although the majority of these investment specialists require a minimum investment of $1 million to $5 million and a commitment to tie up funds for up to 15 years. TIMOs essentially trade timber land assets, acquiring suitable properties, managing them to maximise returns for investors, the disposing of them and distributing profits to shareholders.Many experts believe that the active management style of TIMOs ensures that they can be more reactive to market conditions than REITs, and therefore don&#8217;t tend to fall and rise in line with the market quite as much.Direct Forestry InvestmentsThose with access to sufficient capital and the appropriate expert advice can invest in physical properties. Commercial timber plantations are complex operations that require skill, knowledge and expertise to manage effectively and maximise returns whilst lowering risk.For armchair investors, or those with less capital to spare, many companies offer investors the opportunity to purchase or lease a small portion or plot within a larger, professionally managed timber plantation. Investors normally take ownership of their plot and trees via leasehold, whilst the timber investment company plants, manages and often harvest the trees on behalf of the investor.Options for investors range from species to species and region to region, with current opportunities in Brazil, Panama, Costa Rica, Germany, Nicaragua and other, more exotic locations like Fiji.Investors should be wary as many of these direct forestry investments are frontloaded with enormous commissions for salesmen and promoters, with many offering &#8216;agents&#8217; up to 30 per cent commission for the sale of plots to investors, and in many cases, no due diligence even exits.In some cases, the Author has seen forestry investment plots in Brazil packaged and sold to investors for over £100,000 per hectare. Investor should seek advice from an independent consultant with experience of this alternative investment asset class, and who is able to present a complete suite of due diligence material, including an independent valuation of the forestry investment property on offer.SummaryInvestors choose forestry investments due to their effect as an inflation hedge, and their ability to generate non-correlated return on investment in the long-term.Performance of the asset class is driven by demand for timber, weighed against global supplies, and in the long-term we are using timber at a faster pace than we can grow it, making timber investments an attractive asset class for the investor seeking stable, long-term capital appreciation within their investment portfolio.Investors looking into which type of forestry investment is right for them should consult an adviser that can demonstrate experience and expertise within the sector. </p>
  85. ]]></content:encoded>
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  88. </item>
  89. <item>
  90. <title>How We Can All Change the Future of Health Care</title>
  91. <link>https://vkdwems.info/how-we-can-all-change-the-future-of-health-care/</link>
  92. <comments>https://vkdwems.info/how-we-can-all-change-the-future-of-health-care/#comments</comments>
  93. <pubDate>Thu, 26 Jan 2023 09:59:02 +0000</pubDate>
  94. <dc:creator>admin</dc:creator>
  95. <category><![CDATA[Uncategorized]]></category>
  96. <category><![CDATA[Health Care]]></category>
  97.  
  98. <guid isPermaLink="false">http://vkdwems.info/?p=51</guid>
  99. <description><![CDATA[Ten years from now where will health care be? Will all Americans have health insurance? Will health care be delivered in the best way possible? Will costs be contained? No one knows for sure. But we can be the ones who shape the future of health care delivery. Right now we can be the ones [...]]]></description>
  100. <content:encoded><![CDATA[<p> Ten years from now where will health care be? Will all Americans have health insurance? Will health care be delivered in the best way possible? Will costs be contained? No one knows for sure. But we can be the ones who shape the future of health care delivery. Right now we can be the ones who can make sure that our children and grandchildren will have fair and competitive health insurance rates, high-quality health care and the peace of mind that comes with it. I say we stop blaming and start finding solutions.Doctors must now become better business people. They must look for ways to become more cost efficient and deliver quality care at the same time. It is not impossible. By studying the new health care law and being up to date on all the new rules and regulations, doctors can be creative and implement cost saving measures in their own offices. Be proactive and meet challenges head on. Mary Pat Whaley, a Fellow in the American College of Medical Practice Executives with 25 years of experience in health care management has listed on her blog, Manage My Practice, &#8220;101 Ideas for Increasing Revenue and Decreasing Costs in Your Medical Practice&#8221;. She has great ideas to add or subtract services that can make medical offices more profitable. Does it make sense to hire a mid-level provider like a nurse practitioner or physician assistant? Can some of the administrative processes in the office be streamlined? Is there a good triage system and medical follow-up in place? Search the internet, get advice from a tax consultant and discuss with other physicians ways to be more cost efficient.Private health insurance companies must also be responsible. As a society, we have to be the ones to demand quality care at a quality price. We can no longer allow them to price gouge and then turn around and disallow medical benefits that are medically necessary. Shop around for the best rate and policy if you are purchasing private health insurance. Contact your local state representative and voice your opinion about health insurance company practices. If you are an employee who receives health benefits from your employer, know that all employees have a voice in the decision making process regarding their health insurance. Make sure your employer knows your opinion.Patients have to be informed about their own health. That responsibility has to be shouldered too. You cannot go into your doctor&#8217;s office demanding certain tests and procedures be performed. It is a joint decision between you and your doctor on what is appropriate and necessary. Health care costs cannot be controlled if everyone demands tests or procedures that are not medically necessary. That is just not cost effective and it is irresponsible. If you are a smoker or overweight, you will probably pay more in<br />
  101. premiums. It is only fair as those things are a lifestyle choice. Do what you need to do to live a healthy lifestyle. It will not only add years to your life but will aid you financially.All of us have a responsibility to reform health care. Don&#8217;t let the ranting and rhetoric from news media and politicians deter you from making the effort to make change. Approach health care reform in a positive, constructive way to promote positive change and we can all benefit. </p>
  102. ]]></content:encoded>
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  104. <slash:comments>0</slash:comments>
  105. </item>
  106. <item>
  107. <title>Home Health Care: Convenient and Less Expensive</title>
  108. <link>https://vkdwems.info/home-health-care-convenient-and-less-expensive/</link>
  109. <comments>https://vkdwems.info/home-health-care-convenient-and-less-expensive/#comments</comments>
  110. <pubDate>Thu, 26 Jan 2023 09:57:54 +0000</pubDate>
  111. <dc:creator>admin</dc:creator>
  112. <category><![CDATA[Uncategorized]]></category>
  113. <category><![CDATA[Health Care]]></category>
  114.  
  115. <guid isPermaLink="false">http://vkdwems.info/?p=49</guid>
  116. <description><![CDATA[Despite popular belief, you don&#8217;t have to be in a hospital or nursing facility to have a staff of professionals take care of you &#8211; the is an alternative called home health care. Essentially, many of the same type of services offered at hospitals can be offered to you at your home through specialized agencies, [...]]]></description>
  117. <content:encoded><![CDATA[<p> Despite popular belief, you don&#8217;t have to be in a hospital or nursing facility to have a staff of professionals take care of you &#8211; the is an alternative called home health care. Essentially, many of the same type of services offered at hospitals can be offered to you at your home through specialized agencies, and often it&#8217;s more convenient and less expensive for you in the end.You know that health care, ultimately, is to take care of you after you&#8217;ve been injured or sick. Now, if you can do this at your home, and gain your strength and self-sufficiency back in an environment where you&#8217;re more comfortable, that would be a great option to exercise.Some home health care services include: wound care, patient education, nutrition therapy, injections, intravenous therapy, and speech-language therapy. Staff can also monitor serious illness and unstable health status, as well as helping with getting you into and out of bed, helping you bathe and use the bathroom, and doing things like light housekeeping, cooking, shopping, and laundry.To find agencies available for this type of work, do an internet search and find out if there is anything local, and find out if they provide the exact service to the specifications that you require. Be aware that there are arrangements made between insurers and the agencies, so always ask questions before deciding who to hire.So when they&#8217;re there, what should you expect from a home health care team? They should be aware of your diet, your amount of exercise, your blood pressure and heart rate, your breathing, your temperature, and all of your vitals. They should know your medication routines and have them all up to date. They should check on your pain levels and your mental and physical condition every day, if not more often. They will make sure that your home is safe, and they will teach you how to take care of yourself as the process moves forward.They&#8217;ll also explain to you what your plan of care is. It&#8217;s essentially a list of everything you need &#8211; what services, by what type of care professional, what equipment they need, how often they need to take care of what parts of your health, and what you should expect when the treatments are complete.And be sure to ask yourself questions while you are under care. Are they treating you respectfully? Are they explaining why they are doing what they&#8217;re doing? Are they continually suggesting ways to improve your treatment? Are they putting your mental and physical health first with regard to the service?Ultimately it&#8217;s up to you to pick the best service provider for your home health care, so do your research and decide if it&#8217;s for you. </p>
  118. ]]></content:encoded>
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  121. </item>
  122. <item>
  123. <title>There is an excessive amount of traffic coming from your Region.</title>
  124. <link>https://vkdwems.info/there-is-an-excessive-amount-of-traffic-coming-from-your-region/</link>
  125. <comments>https://vkdwems.info/there-is-an-excessive-amount-of-traffic-coming-from-your-region/#comments</comments>
  126. <pubDate>Thu, 26 Jan 2023 09:56:21 +0000</pubDate>
  127. <dc:creator>admin</dc:creator>
  128. <category><![CDATA[Uncategorized]]></category>
  129. <category><![CDATA[Weight-Loss]]></category>
  130.  
  131. <guid isPermaLink="false">http://vkdwems.info/?p=47</guid>
  132. <description><![CDATA[#EANF#]]></description>
  133. <content:encoded><![CDATA[<p>#EANF#</p>
  134. ]]></content:encoded>
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  136. <slash:comments>0</slash:comments>
  137. </item>
  138. <item>
  139. <title>S&amp;P 500 Rallies As U.S. Dollar Pulls Back Towards Weekly Lows</title>
  140. <link>https://vkdwems.info/sp-500-rallies-as-u-s-dollar-pulls-back-towards-weekly-lows/</link>
  141. <comments>https://vkdwems.info/sp-500-rallies-as-u-s-dollar-pulls-back-towards-weekly-lows/#comments</comments>
  142. <pubDate>Wed, 26 Oct 2022 05:47:45 +0000</pubDate>
  143. <dc:creator>admin</dc:creator>
  144. <category><![CDATA[Uncategorized]]></category>
  145. <category><![CDATA[Advertising]]></category>
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  154. <category><![CDATA[Interviews]]></category>
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  162.  
  163. <guid isPermaLink="false">http://vkdwems.info/?p=42</guid>
  164. <description><![CDATA[Key Insights The strong pullback in the U.S. dollar provided significant support to stocks. Treasury yields have pulled back after touching new highs, which served as an additional positive catalyst for S&#038;P 500. A move above 3730 will push S&#038;P 500 towards the resistance level at 3760. Advertisement Pfizer Rallies After Announcing A Huge Price [...]]]></description>
  165. <content:encoded><![CDATA[<p>Key Insights<br />
  166. The strong pullback in the U.S. dollar provided significant support to stocks.<br />
  167. Treasury yields have pulled back after touching new highs, which served as an additional positive catalyst for S&#038;P 500.<br />
  168. A move above 3730 will push S&#038;P 500 towards the resistance level at 3760.<br />
  169. Advertisement</p>
  170. <p>Pfizer Rallies After Announcing A Huge Price Hike For Its COVID-19 Vaccines<br />
  171. S&#038;P 500 is currently trying to settle above 3730 as traders’ appetite for risk is growing. The U.S. dollar has recently gained strong downside momentum as the BoJ intervened to stop the rally in USD/JPY. Weaker U.S. dollar is bullish for stocks as it increases profits of multinational companies and makes U.S. equities cheaper for foreign investors.</p>
  172. <p>The leading oil services company Schlumberger is up by 9% after beating analyst estimates on both earnings and revenue. Schlumberger’s peers Baker Hughes and Halliburton have also enjoyed strong support today.</p>
  173. <p>Vaccine makers Pfizer and Moderna gained strong upside momentum after Pfizer announced that it will raise the price of its coronavirus vaccine to $110 – $130 per shot.</p>
  174. <p>Biggest losers today include Verizon and Twitter. Verizon is down by 5% despite beating analyst estimates on both earnings and revenue. Subscriber numbers missed estimates, and traders pushed the stock to multi-year lows.</p>
  175. <p>Twitter stock moved towards the $50 level as the U.S. may conduct a security review of Musk’s purchase of the company.</p>
  176. <p>From a big picture point of view, today’s rebound is broad, and most market segments are moving higher. Treasury yields have started to move lower after testing new highs, providing additional support to S&#038;P 500. It looks that some traders are ready to bet that Fed will be less hawkish than previously expected.</p>
  177. <p>S&#038;P 500 Tests Resistance At 3730</p>
  178. <p>S&#038;P 500 has recently managed to get above the 20 EMA and is trying to settle above the resistance at 3730. RSI is in the moderate territory, and there is plenty of room to gain additional upside momentum in case the right catalysts emerge.</p>
  179. <p>If S&#038;P 500 manages to settle above 3730, it will head towards the next resistance level at 3760. A successful test of this level will push S&#038;P 500 towards the next resistance at October highs at 3805. The 50 EMA is located in the nearby, so S&#038;P 500 will likely face strong resistance above the 3800 level.</p>
  180. <p>On the support side, the previous resistance at 3700 will likely serve as the first support level for S&#038;P 500. In case S&#038;P 500 declines below this level, it will move towards the next support level at 3675. A move below 3675 will push S&#038;P 500 towards the support at 3640.</p>
  181. ]]></content:encoded>
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  183. <slash:comments>0</slash:comments>
  184. </item>
  185. <item>
  186. <title>SPDN: An Inexpensive Way To Profit When The S&amp;P 500 Falls</title>
  187. <link>https://vkdwems.info/spdn-an-inexpensive-way-to-profit-when-the-sp-500-falls/</link>
  188. <comments>https://vkdwems.info/spdn-an-inexpensive-way-to-profit-when-the-sp-500-falls/#comments</comments>
  189. <pubDate>Wed, 26 Oct 2022 05:47:11 +0000</pubDate>
  190. <dc:creator>admin</dc:creator>
  191. <category><![CDATA[Uncategorized]]></category>
  192.  
  193. <guid isPermaLink="false">http://vkdwems.info/?p=40</guid>
  194. <description><![CDATA[Summary SPDN is not the largest or oldest way to short the S&#038;P 500, but it&#8217;s a solid choice. This ETF uses a variety of financial instruments to target a return opposite that of the S&#038;P 500 Index. SPDN&#8217;s 0.49% Expense Ratio is nearly half that of the larger, longer-tenured -1x Inverse S&#038;P 500 ETF. [...]]]></description>
  195. <content:encoded><![CDATA[<p>Summary<br />
  196. SPDN is not the largest or oldest way to short the S&#038;P 500, but it&#8217;s a solid choice.<br />
  197. This ETF uses a variety of financial instruments to target a return opposite that of the S&#038;P 500 Index.<br />
  198. SPDN&#8217;s 0.49% Expense Ratio is nearly half that of the larger, longer-tenured -1x Inverse S&#038;P 500 ETF.<br />
  199. Details aside, the potential continuation of the equity bear market makes single-inverse ETFs an investment segment investor should be familiar with.<br />
  200. 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.<br />
  201. Put a gear stick into R position, (Reverse).<br />
  202. Birdlkportfolio</p>
  203. <p>By Rob Isbitts</p>
  204. <p>Summary<br />
  205. The S&#038;P 500 is in a bear market, and we don&#8217;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 &#8220;just hang in there&#8221; while the bear takes their retirement nest egg.</p>
  206. <p>The Direxion Daily S&#038;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.</p>
  207. <p>SPDN is an unleveraged, liquid, low-cost way to either try to hedge an equity portfolio, profit from a decline in the S&#038;P 500, or both. We rate it a Strong Buy, given our concern about the intermediate-term outlook for the global equity market.</p>
  208. <p>Strategy<br />
  209. SPDN keeps it simple. If the S&#038;P 500 goes up by X%, it should go down by X%. The opposite is also expected.</p>
  210. <p>Proprietary ETF Grades<br />
  211. Offense/Defense: Defense</p>
  212. <p>Segment: Inverse Equity</p>
  213. <p>Sub-Segment: Inverse S&#038;P 500</p>
  214. <p>Correlation (vs. S&#038;P 500): Very High (inverse)</p>
  215. <p>Expected Volatility (vs. S&#038;P 500): Similar (but opposite)</p>
  216. <p>Holding Analysis<br />
  217. SPDN does not rely on shorting individual stocks in the S&#038;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&#038;P 500 does.</p>
  218. <p>Strengths<br />
  219. SPDN is a fairly &#8220;no-frills&#8221; 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 &#8220;market&#8221; 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.</p>
  220. <p>Weaknesses<br />
  221. 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&#038;P 500 will cause SPDN to drop as much as the market goes up.</p>
  222. <p>Opportunities<br />
  223. 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.</p>
  224. <p>Threats<br />
  225. 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.</p>
  226. <p>Proprietary Technical Ratings<br />
  227. Short-Term Rating (next 3 months): Strong Buy</p>
  228. <p>Long-Term Rating (next 12 months): Buy</p>
  229. <p>Conclusions<br />
  230. ETF Quality Opinion<br />
  231. 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.</p>
  232. <p>ETF Investment Opinion</p>
  233. <p>SPDN is rated Strong Buy because the S&#038;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.</p>
  234. ]]></content:encoded>
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  236. <slash:comments>0</slash:comments>
  237. </item>
  238. <item>
  239. <title>S&amp;P 500 Biotech Giant Vertex Leads 5 Stocks Showing Strength</title>
  240. <link>https://vkdwems.info/sp-500-biotech-giant-vertex-leads-5-stocks-showing-strength/</link>
  241. <comments>https://vkdwems.info/sp-500-biotech-giant-vertex-leads-5-stocks-showing-strength/#comments</comments>
  242. <pubDate>Wed, 26 Oct 2022 05:46:54 +0000</pubDate>
  243. <dc:creator>admin</dc:creator>
  244. <category><![CDATA[Uncategorized]]></category>
  245.  
  246. <guid isPermaLink="false">http://vkdwems.info/?p=38</guid>
  247. <description><![CDATA[Your stocks to watch for the week ahead are Cheniere Energy (LNG), S&#038;P 500 biotech giant Vertex Pharmaceuticals (VRTX), Cardinal Health (CAH), Steel Dynamics (STLD) and Genuine Parts (GPC). X While the market remains in correction, with analysts and investors wary of an economic downturn, these five stocks are worth adding to watchlists. S&#038;P 500 [...]]]></description>
  248. <content:encoded><![CDATA[<p>Your stocks to watch for the week ahead are Cheniere Energy (LNG), S&#038;P 500 biotech giant Vertex Pharmaceuticals (VRTX), Cardinal Health (CAH), Steel Dynamics (STLD) and Genuine Parts (GPC).</p>
  249. <p>X<br />
  250. While the market remains in correction, with analysts and investors wary of an economic downturn, these five stocks are worth adding to watchlists. S&#038;P 500 medical giants Vertex and Cardinal Health have been holding up, as health-care related plays tend to do well in down markets.</p>
  251. <p>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.</p>
  252. <p>Major indexes have been making rally attempts with the Dow Jones and S&#038;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.</p>
  253. <p>Cheniere Energy, Cardinal Health and VRTX stock are all on IBD Leaderboard.</p>
  254. <p>Cheniere Energy Stock<br />
  255. LNG shares  rose 1.1% to 175.79 during Friday&#8217;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.</p>
  256. <p>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.</p>
  257. <p>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.</p>
  258. <p>Even though natural gas prices are plunging in the U.S. and Europe, investors still see strong LNG demand for Cheniere and others.</p>
  259. <p>The U.K. government confirmed last week that it is in talks for an LNG purchase agreement with a number of companies, including Cheniere.</p>
  260. <p>In the first half of 2021, less than 40% of Cheniere&#8217;s cargoes of LNG landed in Europe. That jumped to more than 70% through this year&#8217;s second quarter, even as the company ramped up new export capacity. The urgency of Europe&#8217;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&#8217;s natural gas.</p>
  261. <p>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.</p>
  262. <p>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&#8217;s performance over the last 52 weeks holds up against all the other stocks in IBD&#8217;s database. The EPS rating is 41.</p>
  263. <p>Vertex Stock<br />
  264. 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.</p>
  265. <p>The stock has remained consistent over recent weeks, while the relative strength line has trended higher. The RS line tracks a stock&#8217;s performance vs. the S&#038;P 500 index.</p>
  266. <p>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.</p>
  267. <p>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).</p>
  268. <p>In early August, Vertex reported better-than-expected second-quarter results and raised full-year sales targets.</p>
  269. <p>S&#038;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.</p>
  270. <p>CRISPR Stocks: Will Concerns Over Risk Inhibit Gene-Editing Cures?</p>
  271. <p>Cardinal Health Stock<br />
  272. 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.</p>
  273. <p>Cardinal Health stock&#8217;s relative strength line has also been trending up for months.</p>
  274. <p>The cup-with-handle base is part of a base-on-base pattern, forming just above a cup base cleared on Aug. 11.</p>
  275. <p>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.</p>
  276. <p>S&#038;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.</p>
  277. <p>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.</p>
  278. <p>Steel Dynamics Stock<br />
  279. 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.</p>
  280. <p>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.</p>
  281. <p>Steel Dynamics&#8217; latest consolidation could be seen as part of a larger base going back six months.</p>
  282. <p>Steel Dynamics topped Q3 earnings views with EPS rising 10% to $5.46 while revenue grew 11% to $5.65 billion. The steel producer&#8217;s outlook is optimistic despite weaker flat rolled steel pricing. STLD reports its order activity and backlogs remain solid.</p>
  283. <p>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.</p>
  284. <p>How Millett Grew Steel Dynamics From A Three Employee Business</p>
  285. <p>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&#8217;s performance over the last 52 weeks holds up against all the other stocks in IBD&#8217;s database. The EPS rating is 98.</p>
  286. <p>Genuine Parts Stock<br />
  287. 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.</p>
  288. <p>GPC has an official 165.09 flat-base buy point after a three-week rally, according to MarketSmith analysis.</p>
  289. <p>The relative strength line for Genuine Parts stock has rallied sharply to highs over the past several months.</p>
  290. <p>On Thursday, the Atlanta-based auto parts company raised its full-year guidance on growth across its automotive and industrial sales.</p>
  291. <p>Genuine Parts earnings per share advanced 19% to $2.23 and revenue grew 18% to $5.675 billion in Q3.  GPC&#8217;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%.</p>
  292. <p>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.</p>
  293. <p>Fellow auto stocks O&#8217;Reilly Auto Parts (ORLY) and AutoZone (AZO) have also rallied near buy points amid the struggling market. O&#8217;Reilly reports on Oct. 26.</p>
  294. <p>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.</p>
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