Why I Won’t Go Near Brick-and-Mortar Apparel Stocks Right Now

Last week, investors experienced a violent sell-offfor many department-store apparel retailers after some companies posted earnings. Macy’s (NYSE: M), Kohl’s, Nordstrom (NYSE: JWN), J.C. Penney (NYSE: JCP), Sears, and Ascena Retail Group all took a beating, down between 10% and 30% in just one week.

The catalysts were earnings reports from several names, although not every company mentioned reported. Still, almost any retailer primarily selling full-priced apparel was sold off, as investors concluded that these companies are all in secular decline. And while many value vultures may be looking at these names right now, I’d stay away for several reasons.

Image source: Getty Images.

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Answered! Is It Dangerous to Carry Too Many Credit Cards?

People carrying credit cards tend to sit in two opposing camps: those who are devout single-card-carriers, and those who carry a wallet packed with cards to stretch rewards across umpteen spending categories. But what’s the right number of cards to carry, and what credit score considerations need to be taken into account?

In the previously recorded Facebook Live video below, Motley Fool analysts Nathan Hamilton and Michael Douglass answer a user-submitted question about how many credit cards people should carry.

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What Is Micro Skin Needling?

See more on: Jiva Spa Toronto – Medi Spa

Have you heard of microneedling?

Also known as micro skin needling, collagen induction therapy (CIT), or percutaneous collagen induction (PCI), microneedling is a skin rejuvenation procedure that’s on the cutting edge of modern beauty treatments. Here at Jiva Spa Toronto, we’re excited to introduce this new service and show you how it can help you achieve your beauty goals.

First, let’s talk about how the procedure works.

What Is Micro Skin Needling?

Microneedling has its roots in a much older procedure called mesotherapy, which began in the 1950’s. Pioneered by Dr. Michael Pistor, misotherapy is a procedure that injects plant extracts, homeopathic medicine, pharmaceuticals, vitamins, and other ingredients into the face in order to break up groupings of fat cells. Several professionals expanded on this technique, including professionals from Canada and South Africa.

During a microneedling treatment, your esthetician will apply a topical anaesthetic or numbing cream to your face, reducing discomfort. Trom there, they’ll use a dermal roller, a device covered with tiny, shallow needles, causing a tiny, almost imperceptible tear in your skin. Your body recognizes this and triggers the growth of collagen production.

In non-scientific terms, microneedling can help repair scars from acne or injuries, fill in wrinkles or laugh lines, and give your skin an overall more youthful appearance. And because no lasers are involved, it can be more beneficial than laser-based treatments like an IPL photofacial for certain skin types.

We usually use microneedling on the face, but it can be used anywhere on your body where you have skin (which is everywhere!)

What Is Micro Skin Needling? | Woman receiving microneedling treatment | Jiva Spa Toronto anti aging facials beauty spa salon skin rejuvenation medispa

Risks Of Micro Skin Needling

Microneedling is generally considered a low risk procedure. Because your skin remains intact and no injection is made, the recovery time is very low.

Because you don’t experience any injection into your skin, there is virtually zero risk of an allergic reaction. However, you may experience some soreness, redness, or inflammation. These reactions are rare, and usually fade after a day or so.

Prior to treatment, we’ll explain to you the full risks and benefits of microneedling so you can make an informed decision.

Is Microneedling Right For Me?

If you’re considering a microneedling treatment, contact Jiva Spa Toronto to book an initial consultation with one of our experienced skincare experts. You’ll get the chance to sit down and explain your aesthetic goals, and from there we can help you understand your options, the risks and benefits, and your best course of action.

Read more information on: JivaSpa.ca – Nutrition and Beauty

Apple Makes a Smart Move to Expand in This Huge Market

Apple (NASDAQ: AAPL) has made headlines this year for a flurry efforts to tap the potentially fertile Indian smartphone market. Earlier in 2017, Cupertino executives reportedly met with Indian government officials to discuss duty concessions that would allow it to set up local iPhone assembly operations, followed by reports that it will start manufacturing the iPhone SE there in April.

These moves make it clear that it has set into motion a chain of events to make a dent in this market, where annual smartphone sales could double to 200 million by 2020, according to Euromonitor International. It’s no surprise that the latest Apple/India news is that the company has decided to aggressively expand its retail presence to grab a larger slice of India’s smartphone market. The Economic Times reports that Apple has set up “over 100” franchised stores in India and is looking at a big expansion of that number.

Apple’s global popularity hasn’t penetrated the Indian market, with Morgan Stanley in May of last year putting its brand awareness at a distant 10th position in India. The Cupertino-based smartphone giant trailed even BlackBerry, Sony, and domestic smartphone manufacturers in terms of popularity.

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How Infinera Corp. Gained 20% in February

Shares of Infinera (NASDAQ: INFN) rose 20.4% in February 2017, according to data from S&P Global Market Intelligence.

The maker of equipment for long-distance optical networking equipment posted fourth-quarter results on February 9 that exceeded Wall Street’s estimates, landing at the high end of management’s own guidance targets.

Share prices skyrocketed more than 27% overnight and continued to rise as analysts and investors digested the report over the next few days. By the end of February 15, Infinera shares had gained 37% since the start of the month. The stock cooled down a bit after that sudden surge, but still held on to a 20% gain at the end of February.

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Warren Buffett’s Bet On This Bank Quadrupled in Just 6 Years

Warren Buffett may not have supported Donald Trump’s candidacy for president, but the 86-year-old billionaire certainly benefited from the unexpected outcome.

Stocks are up across the board since the presidential election, boosting the value of Berkshire Hathaway‘s (NYSE: BRK-A) (NYSE: BRK-B) stock portfolio, but few stocks have rallied as much as Bank of America (NYSE: BAC).

The Bank of America building dominates the Dallas skyline. Image source: Getty Images.

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