Instead of relying on a cash advance or a payday loan to pay the utility bills, there are ways to reduce your bill. Throughout the year, the costs may vary depending on the area you live in. Electricity bills will be high in during the summer months for those who live in the south, whereas residents of the north may see the increase during the winter months. Frugality begins with an initial plan to cut costs and continued to prevent additional future costs. Seasonal changes often impact the range of costs. Try one of these money saving strategies to help lower the average cost year round:* Always read through your bills. You may find small charges for services you do not even use. Call your provider and cancel any service you do not use or can do without. Small amounts add up quick. Not only will you be saving those costs, but the tax on the amount as well.* Evaluate your cable bill. Do you even watch the high priced channels? Lower your plan to the basic cable plan in order to lower your bill.* Recycle. In some states, you can get cash back for bottle and cans. Recycling goods will save on trash bags as well as costs for excessive trash disposal.* Insulate your doors and windows. Keeping curtains closed during summer days will help prevent the home from heating up. Insulation during the winter will keep the warmth inside. There are many cost effective window fashions which will help with utility costs. If you make a small initial investment in window coverings you will see long lasting results.* During hot months, use smaller appliances to cook with. Use a slow cooker, microwave, electric skillet or toaster oven to make you meals. These will not heat up the kitchen as a stove and oven will.* Use a draft stopper on your doors during the winter months to keep the warm air inside your home.* Add layers of clothing and/or use blankets instead of turning up the heat when you get a chill.* Keep your freezer full to maximize efficiency. Even if you do not have it filed with food products, you can fill empty milk jugs with water to take up the empty space.* You don’t have to take cold showers to lower your electric bill, but you can limit the time spent there. Shut water off while brushing teeth or shaving and fill the sink to do the dishes rather than keeping the water running.* Run the washing machine and dishwasher when the loads are full. Upgrade machines to low energy efficiency models. For those of you who qualify, there are programs to help households become more energy efficient.* Leaky faucets and running toilets may sound annoying, but they also throw money away every day they are left that way. As soon as there is a problem, have it fixed. There are many self-help plumbing books or do-it-yourself guides online to help prevent plumbing expenses.You don’t have to depend on a cash advance or a payday loan when the utility bills run high. Cut back on monthly costs and put the extra aside for those costs which cannot be avoided. No one says you need to be uncomfortable in your own home when the extreme weather affects overall costs, but you can help with average costs. Living frugal does not mean going without, just going about life smarter.
Stop Your Need For A Cash Advance: Lower Your Monthly Utility Demands
Men’s Wholesale Clothing – Cool Tips That Will Surely Boost Your Online Sales
Despite of the perception of many people that men do not like to shop but the fact is, men can be really discerning shoppers because they want to obtain that stylish, quality, and assortment of wardrobe so as to establish an image. Regardless of the purpose of their clothing, be it for office work, play or for casual, it plays a vital role in their lives as these represent their outlook and personality.In addition to have a good-looking appearance, men also want to have the best deals as much as it is possible. This means that when it comes to men’s wholesale clothing, it should be a combination of style and price. Many of them do prefer to have the privacy of shopping, this is where an online men’s wholesale clothing business will fill that need. That is why among the numerous opportunities in the Internet to generate income and revenue, a wholesale clothing business dedicated for men’s clothes is among the best to consider. Establishing an online men’s wholesale clothing business requires certain steps for you take and tips for you to consider. These are all important so that you will be able to put up that clothing business successfully.Particularly with the stock of men’s apparel for you to sell, it is vital that you get a reputable and reliable supplier. Since the suppliers commonly ship in large quantities therefore you are be assured of ample supply, stylish supply of clothing at price that is very reasonable which you can sell also at very reasonable rate.Typically, men are not after for bulk orders, perhaps they are just looking for a suit, workout gear or jacket. This is an important thing for you to consider in your business, therefore it is better to know and sell items according to individual costumers’ need and want. Here are some other cool tips that will surely help you with your online men’s wholesale clothing business.1. Once you order from the supplier, keep in your mind season changes and the delivery cycle, these should all coincide significantly. Meaning you need to be sure that once your supplier delivers the clothing in the month of December, those items should be in accordance with the Christmas season. You certainly do not want to sell summer clothing during Christmas or vise versa.
2. If you want to consider becoming a retailer associated with a particular brand label or manufacturer, then you need to choose a supplier or suppliers with an already established good image such as known to deliver goods in utmost quality to its customers.
3. As much as you can, establish a closer tie with your supplier so as to obtain great deals or offers. In return, you can also offer your own costumers exciting deals that they will surely love and would be a motivation for them to keep coming back to your site. Since your target market is the male clothing, great deals will surely be a big hit in your business.
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.