Vertical Vegetable Gardens Offer Health Benefits and Increased Self-Sufficiency to City Dwellers

Do you live in the city and would love to have a vegetable garden, but are constrained by a small garden space? If you really want to grow your own fresh vegetables, then there is an answer for you. You may want to plant a vertical vegetable garden right there in your small area. A vertical vegetable gardening can easily produce as much vegetables as a normal garden.Remember, you don’t need to limit yourself to only growing outdoor vertical gardens. While caring for a vegetable garden in your apartment or other confined area could be a little tricky, it’s not impossible and very rewarding. Gardening indoors will allow you to grow vegetables that aren’t found in your region’s climate, offer you better variety to choose from when planting. It has also been demonstrated that live plants can improve the air quality in small spaces. While it maybe necessary to have proper ventilation to prevent any possible odors, others felt that they can breathe better and are generally calmer because of the refreshing oxygen emitted by your plants.Vertical vegetables gardens are not a new ideal however at times they are mistaken with a living wall. Since both living walls and vertical vegetable gardens could be used for producing vegetables and fruits, living walls are more focused on beauty than production of food. This form of gardening could be done either in your apartment or in your small backyard garden.In vertical gardening you train the vegetable plants to grow upwards. They have designed specific structures that contain the entire garden within a small area. With the proper frames and cross shelving setups, you will find it’s rather simple to train your plants to grow vertically.There are ready-made vertical gardening kits you can buy that will eliminate the guess-work in constructing your setup, however if you want to you can do-it-yourself route. If you decide on a DIY method, be sure that the design structure you”re using to build your vertical vegetable garden is capable of holding the materials, soil, water, and the plants you want to grow in your garden as well as the vegetables it will produce. While you can find detail information online as to the weights of the different parts to your new garden. We have found that such ready-made kits can often save a lot of time – not only with setup, but also they prevented lost “growing” time that you may encounter with wilted plants that did not get the proper amounts of water or soil.If you decided to build an indoor vertical vegetable garden, spend some time looking for the ideal location, as your plants will need enough sunlight to thrive. If you are in the city area where large buildings block most of the natural light coming from your patio or windowsills, you will need to buy lamps that produced specific light to help in growing plants and vegetables.If you want a true organic garden, you will want to research how you can apply composting ways to the soil used in your vertical gardens. A proper drainage system is important, as well as good air circulation (whether indoors or out). NASA scientists have researched a variety of vertical gardening methods, which suggest that the supplies and processes of how to grow vegetables and herbs vertically will continue to get better with advance technology. While large grid systems and advanced hydroponic watering techniques may not offer possible solutions for your cement porch, we can use the concepts and the ideas they create and can scale them down to fit our own needs.It would be good to stick to some simple steps to make sure your success as you begin to learn how to work with your space and your climate restrictions when you grow your first garden. For starters, consider growing peas, green beans, cucumber, squash, lima plants, and tomatoes, as they are great climbing plants in nature. As you become more comfortable you can grow other types of vegetables in your vertical garden.Also, be sure you have the supplies you’ll need before planting your garden. This is important for plants that need vertical support, because seeds begin germinating almost immediately and it is best not to disturb the dirt by adding supports at a later time. Also make sure that your vertical vegetable garden is not entwined with shrubs or other plants that may divert water away from your plants or block out their sunlight. Once again, after some time, these issues may not be of a primary concern, as a beginner looking to start their first vertical garden you should keep these issues in mind.Vegetable and herb gardening has always been known to offer “green” ways to lower environmental footprint, but those opportunities has been limited by space and region. Fortunately, with the new fun trend of vertical vegetable gardening, those who live in urban area can enjoy a similar level of increased self-sufficiency as they raise their own, healthy, fresh grown vegetables.

How, When and Why to Get a Payday Loan

A payday loan is a short term loan that is intended to cover a borrower’s expenses until his or her next payday.Payday loans, also known as cash advances, can easily be obtained by submitting an online application form. These forms usually take less than five minutes to fill out.Once a payday loan lender receives your application, they will call you to verify the information you provided on your application form online. They will also verify your employment and any other source of income you may receive. Individual companies have their own rules. Some companies require you to have held a job for at least 6 months and to have an active checking account of at least 3 months.After verifying your personal, employment and bank information, the cash advance lender decides to approve or reject your loan application based on their criteria.While most companies have a long list of requirements, some companies have very basic requirements. You must be at least eighteen years old, own a bank account and have a job (making at-least $1000 a month after taxes).Once approved, cash will be deposited directly into your checking account as early as the next business day. You have all the freedom you need to spend your money the way you want to.Now that you have spent the money you borrowed, the question is how to repay the loan and fees. In most cases, you do not have to do anything, the loan repayment and/or the loan finance charge is electronically withdrawn from your bank account on your next payday.You can turn to payday loans when an unexpected expense occurs or you are short on cash and your payday is days or weeks away. Payday loans can bridge the gap between paydays and can make any day your payday.For people who have less than perfect credit or no credit at all, a cash advance is the easiest way to get money. If you can’t get a loan from a bank, don’t sweat it. Cash advance lenders can get you the cash you need when you need it most.One of the reasons people choose payday loans is speed. You can get cash instantly when you need it.The process of getting a payday loan is very fast and convenient. You can complete the loan application online at the convenience of your own home and get the money right away. Traditional banks can take forever to process your loan no matter how little the amount of money you are asking for. They will even complete a background check on you.Cash advance can help you avoid paying penalties and late charge fees. The fees financial institutions charge for late payments or bounced checks are much higher than the fees for a cash advance. Borrowing the money from a cash advance company is the smarter choice.Another benefit of a cash advance is that it is discreet. No one will know that you have applied for a cash advance. You will also save a lot of time because the whole procedure is carried out on the internet. There is no driving around or standing in lines.Paycheck loans should be used to solve short term financial challenges and should not be overused. If possible, it is better to pay back paycheck loans as quickly as possible.Before you apply for a loan, do some comparison shopping online and see which lender is right for you. See which lenders can provide you the loan that fits your situation. Be sure to check the terms and conditions before you sign up for any loans.Once you know all you need to know about payday loan, you can go ahead and enjoy the benefits of payday loans.

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

Summary
SPDN is not the largest or oldest way to short the S&P 500, but it’s a solid choice.
This ETF uses a variety of financial instruments to target a return opposite that of the S&P 500 Index.
SPDN’s 0.49% Expense Ratio is nearly half that of the larger, longer-tenured -1x Inverse S&P 500 ETF.
Details aside, the potential continuation of the equity bear market makes single-inverse ETFs an investment segment investor should be familiar with.
We rate SPDN a Strong Buy because we believe the risks of a continued bear market greatly outweigh the possibility of a quick return to a bull market.
Put a gear stick into R position, (Reverse).
Birdlkportfolio

By Rob Isbitts

Summary
The S&P 500 is in a bear market, and we don’t see a quick-fix. Many investors assume the only way to navigate a potentially long-term bear market is to hide in cash, day-trade or “just hang in there” while the bear takes their retirement nest egg.

The Direxion Daily S&P 500® Bear 1X ETF (NYSEARCA:SPDN) is one of a class of single-inverse ETFs that allow investors to profit from down moves in the stock market.

SPDN is an unleveraged, liquid, low-cost way to either try to hedge an equity portfolio, profit from a decline in the S&P 500, or both. We rate it a Strong Buy, given our concern about the intermediate-term outlook for the global equity market.

Strategy
SPDN keeps it simple. If the S&P 500 goes up by X%, it should go down by X%. The opposite is also expected.

Proprietary ETF Grades
Offense/Defense: Defense

Segment: Inverse Equity

Sub-Segment: Inverse S&P 500

Correlation (vs. S&P 500): Very High (inverse)

Expected Volatility (vs. S&P 500): Similar (but opposite)

Holding Analysis
SPDN does not rely on shorting individual stocks in the S&P 500. Instead, the managers typically use a combination of futures, swaps and other derivative instruments to create a portfolio that consistently aims to deliver the opposite of what the S&P 500 does.

Strengths
SPDN is a fairly “no-frills” way to do what many investors probably wished they could do during the first 9 months of 2022 and in past bear markets: find something that goes up when the “market” goes down. After all, bonds are not the answer they used to be, commodities like gold have, shall we say, lost their luster. And moving to cash creates the issue of making two correct timing decisions, when to get in and when to get out. SPDN and its single-inverse ETF brethren offer a liquid tool to use in a variety of ways, depending on what a particular investor wants to achieve.

Weaknesses
The weakness of any inverse ETF is that it does the opposite of what the market does, when the market goes up. So, even in bear markets when the broader market trend is down, sharp bear market rallies (or any rallies for that matter) in the S&P 500 will cause SPDN to drop as much as the market goes up.

Opportunities
While inverse ETFs have a reputation in some circles as nothing more than day-trading vehicles, our own experience with them is, pardon the pun, exactly the opposite! We encourage investors to try to better-understand single inverse ETFs like SPDN. While traders tend to gravitate to leveraged inverse ETFs (which actually are day-trading tools), we believe that in an extended bear market, SPDN and its ilk could be a game-saver for many portfolios.

Threats
SPDN and most other single inverse ETFs are vulnerable to a sustained rise in the price of the index it aims to deliver the inverse of. But that threat of loss in a rising market means that when an investor considers SPDN, they should also have a game plan for how and when they will deploy this unique portfolio weapon.

Proprietary Technical Ratings
Short-Term Rating (next 3 months): Strong Buy

Long-Term Rating (next 12 months): Buy

Conclusions
ETF Quality Opinion
SPDN does what it aims to do, and has done so for over 6 years now. For a while, it was largely-ignored, given the existence of a similar ETF that has been around much longer. But the more tenured SPDN has become, the more attractive it looks as an alternative.

ETF Investment Opinion

SPDN is rated Strong Buy because the S&P 500 continues to look as vulnerable to further decline. And, while the market bottomed in mid-June, rallied, then waffled since that time, our proprietary macro market indicators all point to much greater risk of a major decline from this level than a fast return to bull market glory. Thus, SPDN is at best a way to exploit and attack the bear, and at worst a hedge on an otherwise equity-laden portfolio.