Pay Attention to Skin Care Products Ingredients

Did you know that some skin care products are actually classified as drugs not cosmetics? Some skin care ingredients can actually change the structure of skin which may be more than you originally bargained for.In order to protect your skin it’s important that you pay attention to ingredient labels. Some skin care products are laced with harmful chemicals that can actually damage your skin The problem is that finding out whether or not a product will harm your skin takes a bit of investigative work.Those skin care products that claim to reduce lines, change wrinkles, or alter your face in any manner may be doing a lot of damage. Various products are actually considered a drug by the government for the sheer fact that they contain lots of harsh chemicals.Even more frightening than the fact that some skin care products may actually ruin your skin is the fact that some products aren’t even considered drugs…even though they have skin altering ingredients. These products are often called “cosmeceutical” products within the skin care world.Cosmeceutical products actually change the biological makeup of the skin In short, these products will do a lot more than change the look of your skin ..they will actually change your skin’s elasticity. If you don’t want to apply products that can damage your skin it is best to purchase on natural skin products.Skin care can be quite complex given the fact that there are so many conflicting points of view out there. Some people will tell you to purchase products that contain chemicals, while other people are against any kind of chemical skin care product. So, what are you supposed to do?You can begin by searching for skin care products that only contain ingredients you can pronounce. This may seem silly, but if you can’t actually say the names of the ingredients inside of a product, you shouldn’t be putting that product on your skin.Next, make sure that you are purchasing only natural skin care products. Then again, natural means many different things within the skin care industry. Stick with those ingredients that you know, or take the time to research ingredients that you aren’t familiar with.Numerous products on the market will claim to change the way that you look. Still, many of these products don’t work…and most of them can actually ruin your skin If a product claims to alter your appearance, make sure that those chemicals won’t actually alter your skin’s structure.Skin’s elasticity is the one thing that keeps your skin from sagging and drooping. If you continuously apply a product that eats away at your skin’s elasticity, you might not be able to enjoy your skin’s natural appearance any longer. Avoid any skin care product that will potentially ruin your skin for good.Once skin loses its elasticity, it is hard to get it back. Using natural skin care products that don’t damage your skin is the best way to ensure that you will have youthful, radiant, skin for years to come. Be careful about what you put on your skin – after all, you only get one chance to treat your skin right.

How Good Are Free Ransomware Decryptors?

In the light of recent months, with the cases continuously climbing high during the current pandemic, many companies and their customers have been facing numerous ransomware and hijacking attempts – from robotext messages, robocalls, and virus injections. Hackers are really leaning hard on ransomware because it gives them an edge over the customers – lock their data, and if you pay the ransom, we’ll give you a solution, and you can decrypt your files! One such ransomware virus that took the world by storm was the ThiefQuest (a.k.a. EvilQuest) ransomware virus. But one company decided to break that cycle by offering a way that people can decrypt their data for free: the one and only SentinelOne.

Recommended article: SentinelOne is #1 at Crushing Viruses and Keeping You Safe

Mac Users Are the Targets
Unlike the other numerous viruses that target Windows users, the specific EvilQuest ransomware targets Mac operators. However, the downside to this is that many businesses are the primary users of Mac computers, laptops, and products. As a matter of fact, there are more iPhone users in the world that use the MacOS on their mobile platforms and office computers than Windows users. Either way, the virus is meant to decrypt files, and it does not tell infected users how to contact the company. It does provide a Bitcoin wallet and where to deposit your ransom to. And they only give you 72 hours to get your ransom to them.

The Free Decryptor
There are many other ransomware programs out there, and SentinelOne is one of those companies who have been able to say they’re coming to the call. Most users who get infected with ransomware don’t get their files restored with this virus, and they are permanently locked out of them. The decryption process that SentinelOne provides is that their researchers basically recreated the virus and then reverse-engineered it. They were able to analyze the code pattern and decipher the malicious code that’s injected into the files so they can remove it. Fortunately, it’s because the ransomware itself is rather new (meaning that it was very recently created – so it has some bugs). Other ransomware viruses are a bit harder to crack. But does it work?

Recommended article: How Quickly a Ransomware Attack Can Happen In 2020

According to SentinelOne, it does. And so, do many others. Of course, they do have disclaimers in case they can’t decrypt literally every single file. That’s because there is no guarantee that every virus is different. One virus, though, that’s being used a lot is the WannaCry ransomware on PC’s ranging from small businesses all the way up to government officials (and one of the most common during these times). Having a good product such as SentinelOne, or even getting the Trend Micro tool can help. There is a good chance that you may not actually need to pay the fee to get your files unlocked. However, some of the more advanced viruses may have numerous variants in code, so it may not be easy to pinpoint which one it is and the code (which may sometimes be randomly inserted into a file) itself. Therefore, you need to have a good protection plan in place.

What Should I Do?
If you get ahold of your local IT support team, they’ll be able to help you get some of the best security tools and can even provide local and cloud-based backups of your precious data in case of a ransomware attack. Many companies have been able to say that their ransomware hiccups have cost them, but most of them are paying their hackers not to leak their customers’ data. Don’t be that person, and keep your data safe, and you’ll be much better off in the long run!

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.