One of the biggest trends in fashion today is designer clothes for babies. Babies no longer have to dress in just pastel pajamas, or be limited by what is available to the masses at the local mart. Now babies can also wear one-of-a-kind (or nearly so) couture and boutique fashions, just like adults.Some popular adult wear designers have also introduced a line for babies, such as Ralph Lauren, Lily Pulitzer, Tommy Hilfiger and Guess. These designer baby fashions can usually be found in the better departments stores, such as Lord and Taylor, Nordstrom’s and Macy’s. Department stores also feature other top brands of designer baby clothes like Little Me, Flapdoodles, Greendog, Icky Baby, First Impression, Little Bitty and Baby Nay to name just a few.Some designers offer their clothes through their own catalog’s and websites. A leader in this type of designer baby clothes is Hanna Anderson, who comes out with several new lines each season. Each line is available for infant through adult, with the adult and children clothes coordinating in each line. This designer has a certain number of clothing design styles that she is well known for, especially the Play Dresses with tights and leggings, and the organic cotton Jeeper Creepers and Wiggle Pants, with new colors and prints becoming available each season. At the end of each season, many items can be purchased at a great clearance price.Another type of designer baby wear is the brand name clothing found in their own stores in shopping malls, especially Gymboree and The Children’s Place. Prices may range from very inexpensive to quite pricey, depending on the store. Gymboree also comes out with several new lines each season, featuring several pieces and accessories available in each line. Gymboree has inspired a whole community of collectors and resellers who offer websites to keep track of all of the different lines, and people trade in order to get pieces in particular sets. Making purchases at Gymboree earns “Gymbucks” that offer 50% discounts on purchases over $50. The great thing about Gymbucks is that they can even be used on discounted sale merchandise. Some people will give away their Gymbucks if they are close to expiring – so check your local classified ads. There are also several outlets located throughout the U.S.Finally there are the “boutique fashions”. These are the designers who often design nothing but baby clothes, and their fashions may only be found at special baby boutiques. Baby boutique fashions run the gamut from widely available mass-produced fashions to hand-made unique specialty items. Some of the popular boutique brands include MishMish, CachCach, City Threads, Jack and Lily, Devi Baby, Dogwood, and Flowers by Zoe.The great thing about designer baby clothes is their resale value. Baby clothes are sometimes worn just once or twice, but the lower cost brands are so readily available that they don’t have the same resalable quality. You may be able to recoup a couple dollars or fifty cents at a garage sale, but when you purchase certain designer fashions, you are making an investment that you may be able to get your money back on. First, purchase your baby’s designer wear, preferably on sale. After your little one has worn it a few times, you may very well be able to turn around and resell it for a good price, getting some of your money back. That makes the final cost of the item comparable to that of the mainstream brands. This is also a good way for parents who think they can’t afford designer clothes for their babies to get very fashionable items, by buying gently used clothes at designer baby clothing consignment shops, and online at places such as e-Bay.
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.