By Chris Ebert

Note: this article contains only the opinion and conjecture of the author and is not medical advice.

The Hurdles for Diabetics

The problem for the diabetic is often not that the disease is entirely incurable; indeed there are many well-documented cases of folks reversing and eliminating the symptoms of diabetes as well as halting the progression of the disease in its tracks. Rather, the problem for many is that the path to the cure has either not been revealed to them personally, or else the path is too difficult.

While no single cure can be expected to work for everybody, especially since there are different types of disease (for example, Type 1 and Type 2), if there is a method that offers a high level of success most would only dream of attaining,  it may best be considered a miracle.

Essentially, the body only contains a small amount of sugar. Even in the worst event of hyperglycemia, the human blood may only contain the amount of sugar in a standard sugar packet one might dump in the morning cup of coffee – typically just a few grams. Unfortunately, even with just a few grams of glucose in the blood, the damaging effects of diabetes can and do occur. In a healthy non-diabetic individual, a few grams of glucose are not a problem, since the body produces and uses hormones such as insulin to regulate the sugar and bring it back down to levels that are not damaging.

An Option Trader’s Unique Perspective

Perhaps an unusual perspective, that of a stock-option trader can shed some light on the reason some folks lose their ability to regulate blood glucose. If so, this perspective may shed light on the method of reversing the disease itself. In other words, the option trader’s perspective may offer the cure. Again, no cure can be expected to work 100% of the time, but for some, the method may be their best chance at success.


The basis of option trading is that stock prices are somewhat predictable. Of course, they are not predictable in the sense that one can say this stock will go up tomorrow, or that one will go down. Nonetheless, there is some statistical sense of (more…)


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Settling credit card debt can give you nightmares. This is because creditors are often very impatient. However, there is good news for you. There are several strategies that you can apply and get out of debt.

The following are five ways that can help you settle your credit card bills:

1. Conduct negotiations with your creditors

Credit card charges can sometimes escalate. It can do so very fast, such that you will find it impossible to pay the debt on time. When you reschedule your payment to a later date, interest rates will increase. The best way to handle this issue is to visit your creditors and try to get into an agreement.

Debt negotiation is very important. You pay low amounts than you originally would. To negotiate with a creditor is not an easy task as it sounds. This is because not everyone is entitled to debt settlement.

The internet has numerous reviews on debt consolidation companies that can help you get a great deal.

2. Pay up

If you have a small debt, then this is the best strategy to employ. It sounds simple, but is very effective. There is no need to keep a small debt for long. You may find yourself in a huge debt, simply because your small debt has accumulated and turned to huge amounts.

If your resources are too little to settle the debt, contact your creditor. You can ask for closure of your account. This will enable you to negotiate with them for a longer period of payment. If they agree, then you will have a manageable payment.

3. Consider debt Consolidation 

Many people have several debts. Having several debts can sometimes be very challenging. The reason being it is difficult to service all debt at once.

This calls for debt consolidation. The idea of debt consolidation is that you borrow money from a financial institution. After you get the loan, you can settle all your debts. You can use your house or car as collateral.

The benefit of this debt settlement method is that it has a low interest rate. Since you will only remain with one debt to settle, you will have reduced monthly payments. There is usually a flexible credit term.

4. Consider Debt management 

Several people mistake this for debt consolidation. In debt management, you enter into an agreement with a debt settlement company. The company will negotiate on your behalf with your creditor. It will however cost you some money.

This method is advisable if you have too much debt. The company may agree with the creditor to reduce the interest rate. If both parties agree to do so, then you will have low monthly payment.

5. Declare bankruptcy

It should be your last resort. This is because there is much negativity that comes with it. Some of the negative effects are that you will not be able to obtain any credit in future.

When you declare yourself bankrupt, you will get rid of all your current debts. You should consider all the options above before settling on this.


By Poly

This is an excerpt from this weekend’s premium update from the The Financial Tap, which is dedicated to helping people learn to grow into successful investors by providing cycle research on multiple markets delivered twice weekly. Now offering monthly & quarterly subscriptions with 30 day refund. Promo code ZEN saves 10%.

Before diving into Gold’s technicals and recent trading patterns, I’d like to reiterate that I believe Gold is in the process of completing a wide, bear market bottoming process. I’ve mentioned before my belief that Gold double bottomed in December 2014, and it’s critical context to keep in mind as we examine Gold’s current action.

When measured against all currencies except the US Dollar, Gold has performed exceptionally well for almost a year. And even against the Dollar – with the backdrop being a parabolic rally in the world’s reserve currency – Gold has performed far better than would have been expected. In Dollar terms, Gold has managed to hold above the bear market low set during the last ICL, and this speaks volumes about Gold’s hidden (and under-appreciated) relative strength.

But, just as bull markets can move higher for what seems an eternity, bear markets can meander along a wide bottoming channel for years. As traders, we work hard to determine trends, and can too easily assume that the end of a trend will be quickly followed by a huge move in the other direction. Demanding that a market be in either a bull or a bear market is a fool’s errand, and a market can be range-bound for an extended period and will not necessarily flip between significant uptrends and downtrends. So once Gold shakes off its apathy and begins to break out of its current wide range, there is no guarantee that it will launch into a huge upside move. The evidence that the bear market has ended is very encouraging, but caution is needed when assessing Gold’s upside potential and timing.

In terms of Gold’s recent action, I am surprised that we haven’t yet gotten clear resolution to Gold’s Investor Cycle. Normally by day 18, we should know the expected DC Translation and be in a position to project how the IC is likely to unfold. But that’s not where we are with the current DC, which is still too unsettled for clear definition. That said, Friday’s rally provides evidence that Gold may well be in the 1st Daily Cycle of a new IC.

The evidence from daily and weekly charts supports the idea that Gold is in a 1st Daily Cycle in a new Investor Cycle. This idea is also supported by COT and Sentiment reports. But for a market that is still technically in a bear market, the evidence of a new IC is inconclusive and premature. We need to remember that Gold is locked in a long term downtrend, with the last DCL occurring on just week 19, a little earlier than would have been expected.

The onus is on Gold to prove it’s in a new IC. Absent that, I expect Gold to make one more move lower. If Gold, instead, rallies and can move above the green line on the chart below, we’ll have confirmation of a new Investor Cycle. At that point, the Daily Cycle would be so Right Translated that it could only be a 1st DC. And even under this bullish scenario, Gold could follow the 1st DC top with a deep 68% to 75% retracement into its DCL. Such a deep retracement would shake out many newcomers before Gold would rally in a 2nd Daily Cycle.

4-11 Gold DailyThis week’s Gold COT report is interesting. For the first time in months, speculators have begun covering the large Short positions they amassed with Gold near its ICL. Whenever Gold falls significantly, speculators typically jump on the wagon and help to drive price lower. (more…)