Take Advantage of Online Finance Management Tools to Manage Your Finances Better

Managing your finances is not always easy. It is a time consuming task to keep track of all your bank accounts, credit cards, mortgages and various other details of your personal finance. Traditional way of book keeping doesn’t solve your problem and most good personal accounting software comes at a price.However, the good news is that there are better and free ways to keep track of your finances. What I am talking about here is free online personal finance management tools which not only help you manage your finances by making it easy for you to keep track of your bank accounts and other financial details but also makes it easy for you to take financial decisions wisely by providing sophisticated analysis. These online tools if used properly can be of great help as apart from tools to manage your various accounts they also offer tools which helps you to analyze your spending, project your savings etc..If you are still clueless about what I am talking about or have heard about online finance management tools for the first time, you may like to take a look at Mint.com. Mint is perhaps the most popular online personal finance management tool at the moment. It is a free service that integrates all your bank accounts, credit card accounts at one place which makes it easy for you to keep track of them. This saves you the trouble of keeping track of your bank accounts manually which can be quite time consuming if you have multiple bank accounts (we all have right?). Imagine all your bank accounts being tracked for debit/credit and being updated for you to view it on the same place. Sounds quite convenient, isn’t it? These online personal finance management tools provide you with exactly the same thing.Moreover the online personal finance management tools also provide you with customized analysis of your spending and projection of savings thereby enabling you to make better financial decisions.Security has been always an issue with financial matters, more so when it comes to trusting a third party website with your bank account details. But most of these websites works by authenticating your bank accounts in a standard secure way which doesn’t require them to store your account credentials and it is verified using standard gateways. This makes them more secure to use.These online tools only make your life simple by providing you with easier ways to manage your personal finances. You can try out any of these free online tools and know for yourself. There are many online personal finance management tools available today for you to take advantage of them. Just choose any of these services and manage your finances in a better and easy way

What Makes a Radio Commercial Effective?

In one sentence – A clear and concise message that drives the listener to do what you ask of them makes a radio commercial effective. Vague: Yes, True: Very. Radio commercials are effective when this principal is put into play in a very targeted manner at a very targeted audience. Bottom line, one size does not fit all when it comes to radio commercials. You need to know what you want to offer, and who you are offering it to. If you think you will save money by showcasing “EVERYTHING” in one commercial, you will be in for an expensive surprise, your message will not be targeted and won’t move anyone to take action after hearing your radio commercials. Why? Because chances are your competition stated much more clearly than you, the benefits of a specific product or service that they too offer, in effect – it spoke directly to the consumer who needed it in their radio commercials. Where as the “Everything” approach got lost in the shuffle.Sure, you may have an array of services or products that are amazing! But chances are, the consumer who hears your message is only interested in one of those services or products. If you want their business, they need to be aware that you offer it, and offer the best. If you want to focus on more than one product or service, than create more than one commercial to effectively communicate this point. In a perfect world, every time your commercial plays the consumer will drop everything they are doing, stop talking to whoever they are talking to, and devote 110% of their attention to your radio commercial, every word in your radio commercial and the lovely background music you picked out. However, we don’t live in that world. They will catch the commercial in small “snack size” pieces. The piece they catch, better be what you wanted them to hear.For example: If you are an office supply store and want to let the public know about your sale on ink cartridges, 90% of your commercial better be about ink cartridges, the other part about where you are and how to contact you. However all too often when this hypothetical store wants to push ink cartridges they create a commercial that is 10% for ink cartridges, 10% for software, 10% for cell phones, 10% for office furniture, 10% for sharpies, etc…. Not only will the consumer (who could really take advantage of the ink cartridge sale) not have any clue about the sale, they also tuned out the rest of the message because they had no need for the other product blurbs in the radio commercial. Had the commercial focused on their goal of showcasing “ink cartridges”, they would have likely known about the sale and made a note to go to this store.Not only does the commercial need to be focused, it needs to be compelling. Just saying “We have ink cartridges on sale”, is not enough. Radio commercials needs it needs to be relatable. The consumer needs to be put in a mental situation where they say to themselves “Oh yea… I know what they are talking about, I really need Ink Cartridges too”. This can be done through humor, scripted situational acting, a offer that is too good to pass up or a strong call to action, or the announcer making a compelling ploy that does not sound like he’s “selling” a product. Don’t just rely on the radio stations “free” production services to get you the effective script you need (most times, you get what you pay for). Making a relatively small investment and hiring a professional radio commercial production company can pay off 10x in the long run as compared to having an unqualified “free” production service do your commercial for you. If you’re going to spend money on a radio schedule, wouldn’t you want to put the most effective message possible on the air?So to review – An effective radio commercial consists of a clear and concise message: targeted at exactly the person you want to reach for the product or service you are selling. The radio commercial also has to have a very narrow focus speaking directly to that persons needs and emotions. The radio commercial is also needs a strong call to action that they consumer won’t want to pass up.

S&P 500 Biotech Giant Vertex Leads 5 Stocks Showing Strength

Your stocks to watch for the week ahead are Cheniere Energy (LNG), S&P 500 biotech giant Vertex Pharmaceuticals (VRTX), Cardinal Health (CAH), Steel Dynamics (STLD) and Genuine Parts (GPC).

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While the market remains in correction, with analysts and investors wary of an economic downturn, these five stocks are worth adding to watchlists. S&P 500 medical giants Vertex and Cardinal Health have been holding up, as health-care related plays tend to do well in down markets.

Steel Dynamics and Genuine Parts are both coming off strong earnings as both the steel and auto parts industries report optimistic outlooks. Meanwhile, Cheniere Energy saw sales boom in the second quarter as demand in Europe for natural gas continues to grow.

Major indexes have been making rally attempts with the Dow Jones and S&P 500 testing weekly support on Friday. With market uncertainty, investors should be ready for follow-through day breakouts and keep an eye on these stocks.

Cheniere Energy, Cardinal Health and VRTX stock are all on IBD Leaderboard.

Cheniere Energy Stock
LNG shares rose 1.1% to 175.79 during Friday’s market trading. On the week, the stock advanced 3.1%, not from highs, bouncing from its 21-day and 10-week lines earlier in the week.

Cheniere Energy has been consolidating since mid-September, but needs another week to forge a proper base, with a potential 182.72 buy point formed on Aug. 10.

Houston-based Cheniere Energy was IBD Stock Of The Day on Thursday, as the largest U.S. producer of liquefied natural gas eyes strong demand in Europe.

Even though natural gas prices are plunging in the U.S. and Europe, investors still see strong LNG demand for Cheniere and others.

The U.K. government confirmed last week that it is in talks for an LNG purchase agreement with a number of companies, including Cheniere.

In the first half of 2021, less than 40% of Cheniere’s cargoes of LNG landed in Europe. That jumped to more than 70% through this year’s second quarter, even as the company ramped up new export capacity. The urgency of Europe’s natural gas shortage only intensified last month. That is when an explosion disabled the Nord Stream 1 pipeline from Russia that had once supplied 40% of the European Union’s natural gas.

In Q2, sales increased 165% to $8 billion and LNG earned $2.90 per share, up from a net loss of $1.30 per share in Q2 2021. The company will report Q3 earnings Nov. 3, with investors seeing booming profits for the next few quarters.

Cheniere Energy has a Composite Rating of 84. It has a 98 Relative Strength Rating, an exclusive IBD Stock Checkup gauge for share price movement with a 1 to 99 score. The rating shows how a stock’s performance over the last 52 weeks holds up against all the other stocks in IBD’s database. The EPS rating is 41.

Vertex Stock
VRTX stock jumped 3.4% to 300 on Friday, rebounding from a test of its 50-day moving average. Shares climbed 2.2% for the week. Vertex stock has formed a tight flat base with an official buy point of 306.05, according to MarketSmith analysis.

The stock has remained consistent over recent weeks, while the relative strength line has trended higher. The RS line tracks a stock’s performance vs. the S&P 500 index.

Vertex Q3 earnings are on due Oct. 27. Analysts see EPS edging up 1% to $3.61 per share with sales increasing 16% to $2.2 billion, according to FactSet.

The Boston-based global biotech company dominates the cystic fibrosis treatment market. Vertex also has other products in late-stage clinical development that target sickle cell disease, Type 1 diabetes and certain genetically caused kidney diseases. That includes a gene-editing partnership with Crispr Therapeutics (CRSP).

In early August, Vertex reported better-than-expected second-quarter results and raised full-year sales targets.

S&P 500 stock Vertex ranks second in the Medical-Biomed/Biotech industry group. VRTX has a 99 Composite Rating. Its Relative Strength Rating is 94 and its EPS Rating is 99.

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Cardinal Health Stock
CAH stock advanced 3.2% to 73.03 Friday, clearing a 71.22 buy point from a shallow cup-with-handle base and hitting a record high. But volume was light on the breakout. CAH stock leapt 7.3% for the week.

Cardinal Health stock’s relative strength line has also been trending up for months.

The cup-with-handle base is part of a base-on-base pattern, forming just above a cup base cleared on Aug. 11.

Cardinal Health, based in Dublin, Ohio, offers a wide assortment of health care services and medical supplies to hospitals, labs, pharmacies and long-term care facilities. The company reports that it serves around 90% of hospitals and 60,000 pharmacies in the U.S.

S&P 500 stock Cardinal Health will report Q1 2023 earnings on Nov. 4. Analysts forecast earnings falling 26% to 96 cents per share. Sales are expected to increase 10% to $48.3 billion, according to FactSet.

Cardinal Health stock ranks first in the Medical-Wholesale Drug/Supplies industry group, ahead of McKesson (MCK), which is also showing positive action. CAH stock has a 94 Composite Rating out of 99. It has a 97 Relative Strength Rating and an EPS rating of 73.

Steel Dynamics Stock
STLD shares shot up 8.5% to 92.92 on Friday and soared 19% on the week, coming off a Steel Dynamics earnings beat Wednesday night.

Shares blasted above an 88.72 consolidation buy point Friday after clearing a trendline Thursday. STLD stock is 17% above its 50-day line, definitely extended from that key average.

Steel Dynamics’ latest consolidation could be seen as part of a larger base going back six months.

Steel Dynamics topped Q3 earnings views with EPS rising 10% to $5.46 while revenue grew 11% to $5.65 billion. The steel producer’s outlook is optimistic despite weaker flat rolled steel pricing. STLD reports its order activity and backlogs remain solid.

The Fort Wayne, Indiana-based company is among the largest producers of carbon steel products in the U.S. It engages in metal recycling operations along with steel fabrication and produces myriad steel products.

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STLD stock ranks first in the Steel-Producers industry group. STLD stock has a 96 Composite Rating out of 99. It has a 90 Relative Strength Rating, an exclusive IBD Stock Checkup gauge for share-price movement that tops at 99. The rating shows how a stock’s performance over the last 52 weeks holds up against all the other stocks in IBD’s database. The EPS rating is 98.

Genuine Parts Stock
GPC stock gained 2.8% to 162.35 Friday after the company topped earnings views with its Q3 results on Thursday. For the week GPC advanced 5.1% as the stock held its 50-day line and is in a flat base.

GPC has an official 165.09 flat-base buy point after a three-week rally, according to MarketSmith analysis.

The relative strength line for Genuine Parts stock has rallied sharply to highs over the past several months.

On Thursday, the Atlanta-based auto parts company raised its full-year guidance on growth across its automotive and industrial sales.

Genuine Parts earnings per share advanced 19% to $2.23 and revenue grew 18% to $5.675 billion in Q3. GPC’s full-year guidance is now calling for EPS of $8.05-$8.15, up from $7.80-$7.95. The company now forecasts revenue growth of 15%-16%, up from the earlier 12%-14%.

During the Covid pandemic, supply chain constraints caused a major upheaval in the auto industry, sending prices for new and used cars to record levels. This has made consumers more likely to hang on to their existing vehicles for longer, driving mileage higher and boosting demand for auto replacement parts.

Fellow auto stocks O’Reilly Auto Parts (ORLY) and AutoZone (AZO) have also rallied near buy points amid the struggling market. O’Reilly reports on Oct. 26.

IBD ranks Genuine Parts first in the Retail/Wholesale-Auto Parts industry group. GPC stock has a 96 Composite Rating. Its Relative Strength Rating is 94 and it has an EPS Rating of 89.