Tag Archives: louis del monte

Hedging Investments Against a North Korean Conflict

January 17, 2018Categories, Savvy Life Strategieshedging investments, louis del monte, north korean conflictadmin

Should you hedge your investments against a North Korean conflict? The short answer is yes. Learn why investing in diamonds may be the best market hedge in a crisis.

It’s easy to get swept into the euphoria of an ever-increasing stock market. Even in the face of scrambled politics, natural disasters, and a potential war with North Korea, the stock market continues its relentless rise. The Dow is hovering around a historic 26,000. The big question on every investor’s mind: Will the market continue its bullish drive upward?

Some analysts expect 2018 to post at least modest gains. However, this does not factor in a serious disruption in trade. By serious, I mean a disruption felt on a worldwide basis. What would cause such a serious disruption? One obvious answer is a North Korean conflict that results in significant damage to South Korea’s industrial complex.

South Korea accounts for 2% of the global GDP. South Korea is:

1. The biggest producer of liquid crystal displays in the world (40% of the global total)

2. The second biggest producer of semiconductors (17% market share)

3. Home to the world’s three biggest shipbuilders

Any disruption in South Korea’s massive exports would cause world markets to drop. For the most part, political unrest, natural disasters, and missiles flying over Japan result in market jitters, perhaps a slip downward, but not a long-term plunge. That said, any event that disrupts trade and causes companies to post lower earning is a market killer. The bottom of such a spiral is anybody’s guess.

If North Korea also damages Japan’s industrial complex, causing further disruption to world trade, market panic would almost certainly ensue. The conventional wisdom is to hedge with investments in precious metals. While that makes sense, polished diamonds may be an even better hedge than precious metals. For example, between September 2008, when the fall of Lehman Brothers triggered one of the biggest financial and banking crises of all times, and October 2009, diamond prices declined on average by about 16,5%, gold fell over 21%, and platinum by 59%. Traditional investment portfolio components (shares, bonds, real estate, future contracts) declined sharply as the S&P 500 dropped 52%.

While diamonds are not immune to market declines, polished diamonds have proven to be more resistant. This suggests some portion of your investment portfolio should be in polished diamonds. Diamonds are a solid investment thanks to their constantly growing demand, relative safety, favorable tax treatment, and portability. For the last 50 years, diamond prices grew at an average annual rate of 14 percent. Diamonds, unlike stocks and currencies, are a tangible item. They retain intrinsic value. In fact, diamonds have held better long-term appreciation than gold. Similar to precious metals, diamonds serve around the world as an alternative form of payment. In addition, standardized certifications allow investors to understand the quality of their stones.

While there is no guaranteed hedge against a market crisis, it makes sense to consider including polished diamonds in your portfolio. If you want to explore more about investing in diamonds, consider Diamond XO. Diamond XO specializes in providing the best diamond investment solutions. Their experts understand the diamond market. They are available to help you make the best investment. Diamond XO’s user-friendly platform enables you to buy and sell high-quality diamonds in just a few clicks.

If you have an interest in hedging against a market crisis, click here to learn more about investing in diamonds.

This post is a reprint of my Huffington Post article and is in the Savvy Life Strategie category. Some links in this article are referral links. Please read out Disclosure Statement for more information.

Why People that Need Cash Fast Get Quick Loans Online

January 15, 2018Categories, Savvy Life StrategiesCash Fast, louis del monte, Quick Loans Onlineadmin

According to a 2017 report in MarketWatch, half of American households live paycheck to paycheck. As a result, in a pinch, when they need cash fast, they turn to quick loans online.

If you need cash fast, going to a bank may not fit your needs. A bank loan, including the application, approval, and funding process, typically takes about 7 days. In some cases, it may take longer. Even if you jump through every hoop a traditional bank loan requires, they may still reject you. That’s why more people are turning to quick loans online to get cash fast in minutes:

If you need cash fast ($1000 or less), check out these two lenders:

24/7 Credit Loan – This may be the fastest loan service around. They match applicants with a lender within minutes for cash loans up to $1,000. The application only takes a few minutes and, if approved, you can receive cash within minutes of applying. Click here to check out 24/7 Credit Loan
SnappyLoans – Safe and secure, a 2-3 minute process, decisions in minutes, and cash loans up to $1000 as soon as the next day. SnappyLoans connects you with a lender. Be sure to fill out the lender’s form completely so you get the cash you need as fast as possible. Click here to check out SanppyLoans

If you need more than $1000, consider Brighter Loans – This dependable and reliable service offers speedy approval. Brighter Loans matches users with suitable lenders for fast approval loans up to $35,000. Qualified applicants get approval and cash into their bank account in minutes. Be sure to fill out the lenders form completely so there are no delays in getting the loan amount you need. Click here to check out Brighter Loans

Short-term loans are for occasional, emergency use when you need fast cash to get you through an unexpected expense, including:

Medical Emergencies

A trip to the emergency room can be costly. However, when you or a loved one needs urgent treatment, you may have no recourse. This is a common reason why people use short-term loans when they don’t have savings, a credit card, or health insurance. Hospitals and clinics may even provide a discount for a cash payment at the time of service. In these circumstances, you can actually save money by using a short-term loan.

Car Trouble

A car may be critical to getting to and from work, school, and social events. When it breaks down, a short-term loan may be the only way to get it back on the road.

Mechanics and garages usually require full payment at the time of the repair. If you can’t pay, they may hold your car and even file a mechanic’s lien. A mechanic’s lien enables the garage to receive the title for a car left at the garage with unpaid repairs. In this situation, a short-term loan will give you the cash you need to get your car back.

Making Payments to Avoid Late Fees

Sometimes people need quick cash to make payments on utility bills, phone bills, and credit cards to avoid late fees and a negative report on their credit score. Late fees can be significant. A short-term loan may actually cost less and be the best alternative in the end.

Making the Loan Process Safe and Fast

They may be numerous other reasons why you may need a short-term loan. However, whatever the reason, it is critical to get your short-term loan from reputable lenders. Check out those discussed in this article. Reputable lenders make short-term loans a safe and fast way to get the emergency funds that you need. art

Spare yourself and loved ones the stress associated with being cash-strapped in a time of need.

This post is a reprint of my latest Huffington Post article and is in the Savvy Life Strategie category. Some links in this article are referral links. Please read out Disclosure Statement for more information.

Coffee Is Good For Your Health, Especially with Infused Vitamins

January 10, 2018Categories, Savvy Life Strategiescoffee health benefits, coffee is good for you, coffee with vitamins, louis del monte, vitamin-infused coffeeadmin

The good news for those that love coffee, it is good for your health. If that isn’t enough, you can now brew coffee that is infused with vitamins. This is great news since over 42% of Americans have a vitamin deficiency. VitaCup is a vitamin-infused coffee pod that is compatible with Keurig coffee machines. The product gives coffee drinkers the chance to get their daily source of vitamins, revolutionizing the already positive impact coffee has on our health. Click here to learn more about VitaCup.

Coffee has been around for approximately 1000 years. Some legends hint the Ethiopians were the first to discover coffee back in the 10^th century. However, the earliest substantiated evidence of coffee drinking dates back to the 15th century, in the Sufi monasteries of Yemen. In the next hundred years, it quickly spread to most of the known world, including America.

Unfortunately, a negative stigma surrounds drinking coffee, such as causing heart disease and cancer. However, Dr. Donald Hensrud of the Mayo Clinic dispels these stigmas asserting, “Recent studies have generally found no connection between coffee and an increased risk of heart disease or cancer.”

New medical evidence indicates coffee drinking may have 20 health benefits, including:

Decrease heart attack mortality – Those who drink two or more cups of coffee a day have the least risk of dying from the heart attack
Decrease the risk of Type 2 Diabetes – Consuming 6 or more cups per day lowers the risk of diabetes by 22%
Increase DNA strength – Coffee drinkers have DNA with stronger integrity (i.e, far less instance of spontaneous DNA strand breakage)
Increase fiber intake – One cup of coffee contains about 1.8 grams of fiber
Increase longevity – According to Donald Hensrud of the Mayo Clinic, “…some studies have found an association between coffee consumption and decreased overall mortality and possibly cardiovascular mortality…”
Lower risk of heart disease –Korean researchers found those that consumed 3 or more cups of coffee a day were less likely to show signs of heart disease
Prevent cirrhosis of the liver – A recent study demonstrated coffee’s liver protecting benefits
Prevent retinal damage – Coffee consumption may prevent retinal damage due to oxidative stress
Prevents cavities – black coffee kills the bacteria on teeth that leads to tooth decay
Protect against Alzheimer’s disease – Considerable evidence indicates caffeine may protect against Alzheimer’s disease
Protect against melanoma – Melanoma risk decreases with each cup of coffee consumption
Protect against Multiple Sclerosis – Consuming 4 or more cups of coffee a day may protect against the development and reoccurrence of Multiple Sclerosis
Protect against periodontal disease – The US Department of Veterans Affairs researchers found that coffee showed protection against periodontal disease
Reduce colorectal cancer – Consumption of coffee can reduce the odds of developing colorectal cancer by 26%.
Reduce gout risk – The risk of developing gout decreases with increasing coffee consumption
Reduce liver cancer –Those that consume up to 3 cups of coffee a day have a 29% reduced risk of developing liver cancer
Reduce Pain – Two cups of coffee can reduce post-workout muscle pain by as much as 48%
Reduce the risk of Parkinson’s disease – A Swedish study revealed that drinking coffee reduces the risk of Parkinson’s disease
Reduces suicide risk and depression – A 10-year study of 86,000 female nurses shows a reduced risk of suicide in the coffee drinkers. In addition, the Harvard School of Public Health found that women who drink 4 or more cups of coffee per day were 20% less likely to suffer from depression
The USDA recommends coffee consumption for better health – They advise having 3 to 5 cups of coffee a day is good for overall health and reducing the risk of disease

Please note, these benefits apply to coffee, without the addition of cream, milk, sugar, or artificial sweeteners. In excess, such additives can cause health-related problems.

Unfortunately, coffee alone will not provide vitamins. Equally unfortunate, vitamin deficiencies can be associated with mental and physical disorders like paranoia, depression, Alzheimers, debilitating fatigue, uncontrollable irritability, difficulty thinking clearly, osteoporosis, and in extremely rare cases — physical deformities. That’s where VitaCup, a vitamin-infused coffee pod compatible with Keurig coffee machines, can play a critical role. Learn more about VitaCup here.

This content uses referral links. Read our disclosure statement for more information.

How To Guard Against a Malware Attack

January 9, 2018Categories, Savvy Life Strategieselectronic pickpockets, louis del monte, malware attacks, malware protection, protection against RFID scanners, RFID readersadmin

In 2017, malware attacks affected over half of the adult population of the United States. Let’s be clear about what we mean by malware. Malware is an umbrella term. It stands for a variety of malicious software, including Trojans, spyware, worms, adware, ransomware, and viruses. While it’s true that all viruses are malware, not all malware are viruses. Unfortunately, many people and organizations operate under the assumption that virus detection software will protect their computer from malware. However, often that is not the case.

Some antivirus software may have rudimentary tools to remove malware. However, modern malware is sophisticated and these rudimentary tools typically do not detect or remove it. It can hide in the infected computer undetected and the hacker can attack at any time.

Among the worst of the malware attacks is identity theft. Unfortunately, this type of attack is increasing. For example, the 2017 Identity Fraud Study (Javelin Strategy & Research) indicates that hackers stole $16 billion from 15.4 million U.S. consumers in 2016, compared with $15.3 billion and 13.1 million victims in 2015. In 2017, attackers stole over half of the adult U.S. population’s (143 million) Social Security numbers. Experts estimate about one in three of the stolen Social Security numbers will result in an identity theft. Sadly, the occurrence rate of identity theft is about once every two seconds.

A Proactive Approach

Now let’s discuss what you personally can do to protect your identity. This is one area where an ounce of prevention is worth a pound of cure. Here are some precautions you can take:

Guard your social security number:
- Don’t carry your social security card in your wallet or write your number on your checks
- Only give out your SSN when absolutely necessary
Don’t respond to unsolicited requests for personal information (your name, birthdate, social security number, or bank account number) by phone, mail, or online
Don’t open any email whose sender is unfamiliar to you and, even then, don’t open any attachments unless absolutely necessary
Install malware protection software on your computer, not just antivirus software

This last point deserves some explanation. Antivirus programs may not protect you against malware. It has to do with their design. Their primary function is to protect your computer from computer viruses. Remember, while a virus is malware, not all malware are viruses. There are malware protection programs specifically designed to detect and remove malware. Here are two for your consideration:

Anti-Malware Pro 2017. Security software that removes viruses, malware, spyware, adware and privacy traces. This is a fast and simple service relied upon by millions of satisfied users. Click here to check out Anti-Malware Pro 2017
SpyRemover Pro. This is state of the art software that is both clean, modern and very effective in detecting and removing all kinds of viruses, spyware, malware, and adware. Click here to check out SpyRemover Pro

Protection Against Electronic Pickpockets

It is not sufficient to protect your computer. Unfortunately, there are electronic pickpockets that can access to your sensitive cards, passport, and drivers license, while on your person. A classic pickpocket might use sleight of hand or a diversion to steal a wallet and other valuable. Today, though, an electronic pickpocket can steal your most important information by simply scanning you with a concealed RFID (i.e., Radio Frequency Identification) reader. You may be in a bus station, airport, or stadium parking lot. It does not matter. A powered RFID reader can scan and steel your unprotected information at distances of up to 300 hundred feet away, without a direct line-of-sight to the victim. In other words, you may never see the thief or know that your most sensitive information is being stolen. To protect against electronic pickpockets I suggest you check out SignalVault, which can protect you in seconds. All SignalVault products use RFID protection to keep scammers from getting electronic access to your sensitive cards, passport, and drivers license. Explore their slim debit and credit card protector, their protecting phone case, and their protecting passport organizer. Click here to check out SignalVault.

Take Action!

The widespread occurrence of identity theft is causing millions of people anguish. Unfortunately, restoring and repairing your credit report can take months to years. On average, it takes six months to recover from identity theft. This means identity theft victims have credit issues for months until they are able to restore their credit and lock out the hackers. While it’s true that homeowners and renters policies provide coverage for theft of money or credit cards, the amount of coverage is limited (usually $200 in cash and $50 on credit cards). Specific identity theft policies may provide greater coverage. However, this is analogous to closing the barn door after the horse has bolted.

I strongly suggest you take action and adopt the recommendations outlined above. They will go a long way to protecting your identity and valuable data.

This content uses referral links. Read our disclosure statement for more information.

The Coming Bitcoin Collapse

December 22, 2017Categories, economic collapsebitcoin, bitcoin collapse, louis del monteadmin

Many people have heard the term “bitcoin,” but have no idea of what it means. Is it a like a stock or a work of art? Should I invest in it? After all, many articles note that at bitcoin’s introduction in 2009 it sold for $0.08 and is currently valued over $17,000. In addition, many predict it will rise even more in the future, despite its recent one-day drop from over $19,000 to a little over $17,000.

What is bitcoin? It is a cryptocurrency designed as a medium of exchange that uses cryptography to control its creation and management. What is a cryptocurrency? It is a digital currency that uses encryption techniques to regulate its generation and use, independently of a central bank. In simple terms, it is a fiat currency, but without being backed by a government.

A fiat currency is money deem legal by a government, but in itself has no intrinsic value. For our purposes, we can define money as an object of perceived value that is acceptable as payment for goods, services, and debt.

Historically, many commodities, which have a clear intrinsic value, such as livestock and oil, have served as money. This use of commodities as money was a form of bartering. It required each recipient to have a “coincidence of wants” and agree on “value.” This system of barter still survives today on some parts of the globe. However, as civilization progressed, items widely deemed as “precious” began to serve as money, such as gold and silver, including coins made from gold and silver. Even today, gold and silver are widely valued and find use in monetary transactions.

The next step in the evolution of money occurred when national banks guaranteed to change “paper” money, known as “bank notes,” into gold at a promised rate. For example, on March 14, 1900, the United States adopted the “gold standard,” with the passage of the Gold Standard Act, which stated “…the dollar consisting of twenty-five and eight-tenths grains (1.67 g) of gold nine-tenths fine, as established by section thirty-five hundred and eleven of the Revised Statutes of the United States, shall be the standard unit of value, and all forms of money issued or coined by the United States shall be maintained at a parity of value with this standard…”

However, maintaining the gold standard during wars and depressions became extremely difficult for the United States, which led to its abandonment in 1971 by President Richard Nixon, via an executive order commonly termed the “Nixon Shock.” Once unhinged from the gold standard, the dollar became a “pure fiat currency,” which meant it had no intrinsic value. U.S. dollars became a legal tender by government order. The dollar then fell to its free-market exchange price versus gold, which as of this writing is over $1200 per ounce.

This abbreviated history of money and the example of the United States dollar demonstrates that a pure fiat currency is only as strong as the global trust in their currency. This is also true of bitcoin. Those people buying and trading it determine its value.

You may at first want to think of this like buying and selling stocks, whose value is determined by sales transactions. However, stocks represent ownership in a tangible asset, such as a company. Bitcoin does not represent value in anything tangible. This is true of all fiat currencies. However, the United States exchanges goods and services for U.S. dollars and accepts it to service debt. If you believe the United States will remain a strong and vibrant economy, then having faith in its currency is justifiable. Countries often base their international trade on U.S dollars. However, even the dollar’s value fluctuates in the world market, as perceptions of the U.S. economy’s strength fluctuate.

Bitcoin, on the other hand, has no country backing it. Much like trading in art, the increase in its value depends on “the bigger fool theory.” When someone invests in bitcoins, they are essentially betting that someone else in the future will pay more them, even though bitcoins have no intrinsic value. That someone is paying more for something whose only value is determined by whimsical perceptions, hence the name “bigger fool.”

In the case of art, even if its price drops, the art is a tangible object that provides a level of joy to the owner. In a sense, it enriches the human spirit. Bitcoin only enriches those that are able to sell it at a higher price than they paid for it.

Eventually, the market for bitcoins is going to vanish, as the bigger fool theory runs its course and businesses refuse to accept it as a currency. When that happens, investors will recognize the world’s pool of fools has dried up and bitcoins will not be worth the digital energy it takes to create and trade in them.

Louis A. Del Monte

Award Winning Physicist, Author, Featured Speaker, and CEO