Feel Good Knees For Fast Pain Relief Review

Do you experience trouble walking, low energy levels, moving in pain and regularly feeling older and immobile? You can be experiencing the harmful effects of knee pain on your body. Knee pain is something that is affecting millions of people around the world and may restrict movement, affect muscle control, reduce strength and affect mobility.…

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Should You Buy Hexo (TSX:HEXO) Before Upcoming Earnings?

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One of Canada’s top cannabis company, Hexo Corp. (TSX:HEXO)(NYSE:HEXO) will be releasing its fiscal fourth quarter of 2019 (ended in July) today. Analysts expect Hexo to post revenue of $25.59 million in the fourth quarter, a rise of 1715% year over year.

Analysts have a high revenue estimate of $27.46 million and a low estimate of $20 million. Hexo reported sales of $1.41 million in the prior-year quarter.

They expect Hexo to post adjusted earnings per share (EPS) of -$0.05 in the fourth quarter. The high EPS estimate stands at -$0.01, while the low estimate is about -$0.11. Hexo reported earnings of -$0.05 in the fourth quarter of 2018.

Hexo has beaten earnings estimates in two of the last four quarters

Hexo investors have had a roller coaster ride. The stock rose from $1.91 in March 2017 to $10.44 in April 2019 and is currently trading at $5.76 at writing. Hexo stock has fallen over the last few months on concerns over its expensive valuation, weakness in the cannabis industry and regulatory issues plaguing cannabis companies.

Hexo shares have also been hurt, as it has missed earnings estimates in two of the last four quarters. In the third quarter of 2019, Hexo reported of -$0.04, which was 20% above estimates of -$0.05. In the second quarter of 2019, Hexo’s earnings of -$0.02 were 50% higher than estimates of -$0.04.

Hexo reported EPS of -$0.07 in the first quarter, which was 600% below estimates of -$0.01. In the fourth quarter of 2018, Hexo’s EPS of -$0.05 were 150% lower than estimates of -$0.02.

How is Hexo poised for the upcoming legalization?

We know that Canada will legalize the consumption of cannabis-based edibles, vapes, beverages and concentrates next month. This might increase investor optimism, as the legalization provides another avenue for cannabis growth.

Nick Davies, Hexo’s Chief Marketing Officer is optimistic about the upcoming legalization. In one Growth Hop report, he states, “Drawing parallels with the technology adoption cycle for new products, the first consumers are led by innovators and early adopters. Once the barriers drop, the leap to majority adoption is not so big. Edibles could have the same effect in the cannabis market, because the perceived risk of trying cannabis is reduced.”

Hexo has also partnered with Molson Coors Canada (TSX:TPX)(NYSE:TAP) and formed a joint venture (JV) to develop non-alcoholic, cannabis-infused beverages for the domestic market. While edibles and beverages will be legalized next month, products will hit the markets by mid-December.

The joint venture will form a new company with an independent management team as well as the board of directors. Molson Coors will have a 57.5% stake in the JV and Hexo will have 42.5%.

The two firms are looking to leverage Molson Coors’ expertise in beverage and combine it with Hexo’s cannabis know-how.

The cannabis edibles and vapes segment have the potential to grow rapidly. The edibles are already sold in the U.S., where recreational use is legal. We have seen here that the edibles market is estimated to reach $4.1 billion in 2022, up from $1 billion in 2017.

It will be interesting to see how Hexo moves after its earnings release. The stock has gained 6.4% since the start of September.

One tiny small-cap stock to bet on ahead of Cannabis 2.0 on October 17th…

The first wave of cannabis legalization minted millionaires out of everyday investors, and it might be about to happen again.

Because when edibles are legalized in Canada on October 17th, experts project a new $2.7 BILLION market will be born.

Our last legalization stock pick is already up 1,211%, and now we’re recommending one tiny small-cap stock before Cannabis 2.0.

This could be our next +1,000% winner in the cannabis space.

Hurry, the second wave of cannabis legalization is about to hit and this stock could skyrocket.

Click here to learn more!

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Fool contributor Aditya Raghunath has no position in any of the stocks mentioned.

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The Easiest Way to Turn Your $1,000 TFSA Into $10,000


Canadian bank stocks are the best investment any Tax-Free Savings Account (TFSA) investor can make. Not only do they offer guaranteed high-yield dividend payouts, but Canadian banks are the safest in the world with high capital-to-asset ratios and substantial returns to equity.

Take this rock-solid dividend payer, for example. Bank of Nova Scotia (TSX:BNS)(NYSE:BNS) has a consistent history of following through with dividend payments, and they are steadily rising. Canadian banks, in general, have reliably issued increasing dividend payments to shareholders.

As central banks renew their commitment to easy monetary policy and low-interest rates, TFSA investors should consider banking stocks the safest place to guard their savings.

The most prominent mistake TFSA investors are making today is maintaining their tax-free savings in cash versus higher-yielding assets like stocks and risk-free Government-Insured Certificates (GICs).

Instead, Canadian investors should purchase shares in Bank of Nova Scotia, which raised its dividend to $0.90 per share on its last earnings release — a 6% increase from last year. At the stock’s current market price of around $72.80, the dividend yield is just under 5% annually.

Concerning the safety of the initial investment, Bank of Nova Scotia has a relatively stable price history. The stock has steadily increased from $6.25 in January 1995 to over $70 per share in 2019. Besides one year of temporary turbulence between August 2008 when the stock lost 50% of its value and August 2009 when it completely rebounded, the stock has not let investors down on the capital gains front.

TFSA investors should be purchasing shares in government-insured dividend payers. Bank of Nova Scotia and other big players in Canada’s banking industry fit this description perfectly. More importantly, Canadian banks are boosting Canada’s foreign profit generation with robust international strategies.

Bank of Nova Scotia expands to South America

Bank of Nova Scotia is banking on the smooth-running South American economy to fuel double-digit earnings growth. The bank has been expanding South American operations in Peru and Chile where it has little competition from other Canadian banking institutions.

Complementing BNS’s strategy, National Bank of Canada is profiting from its Cambodia ABA subsidiary. National Bank’s specialty finance division is bringing in double-digit earnings growth from its recent Cambodian acquisition. Specialty finance includes unsecured consumer loans, non-prime credit cards, and other credit options to non-traditional borrowers.

Bank of Montreal is also allowing Bank of Nova Scotia to pave the way in Latin America. BMO is more intent on expanding its footprint in the United States. Although revenue growth in the United States was weaker than expected, Bank of Montreal grew its pre-tax profit by 9%, according to the stock’s most recent earnings announcement.

Foolish takeaway

Canadian investors who want to see their savings accounts grow in value need to research how stocks have performed in the past. Canadian banking stocks have performed remarkably well — even during times of financial crisis.

In addition to offering a relatively safe investment, these assets also typically return higher than the market average interest in the form of guaranteed dividends — on top of substantial capital gains. Every TFSA investor should begin their journey of income growth by becoming loyal shareholders in Canadian bank stocks.

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Fool contributor Debra Ray has no position in any of the stocks mentioned. Bank of Nova Scotia is a recommendation of Stock Advisor Canada.

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Dr Lee Weiling makes new Facebook post, Lee Hsien Yang shares it in support

In a Facebook posting today (10 Sep), Prime Minister Lee Hsien Loong’s sister, Dr Lee Wei Ling reiterated that founding PM Lee Kuan Yew had always wanted his house at 38 Oxley Road to be demolished.

She reminded everyone that at a special session of Parliament on 13 April 2015, PM Lee said, “Mr Lee’s position on 38 Oxley Road was unwavering over the years, and fully consistent with his lifelong values. We should respect his wishes, as well as those of Mrs Lee.”

However, since then, she said that PM Lee has sought to “rewrite history” about their father’s stance on demolition “to claim, unbelievably, that Lee Kuan Yew wavered in his unwavering wish”.

She quoted PM Lee saying, “However, after hearing Cabinet’s unanimous views that the property should not be demolished, Mr Lee eventually came to accept that the Government was likely to preserve the property in the public interest. He was consequently prepared to be flexible and contemplate options short of demolition.”

She went on to say that after their mother died in 2010, PM Lee led their father and the family to believe that the house had in fact been gazetted or that its gazetting upon their father’s passing would be inevitable.

“By Nov/Dec 2013, Pa had doubts about this. He discussed the implications of degazetting on his will with Kim Li his lawyer, with a view to amending his will,” Dr Lee revealed.

“My father made it well known in his lifetime that he would like 38 Oxley Road demolished when I no longer need it. Papa doesn’t mince words, yet a special committee of the Cabinet was formed to divine what Papa really wants!!” She said.

“As I stated in a Facebook post previously, one has to be remarkably dumb or ill-informed to not know what LKY wanted to happen to his marital home. He spent his whole life looking after the welfare of Singaporeans both current and further welfare. All he asks in return is that his marital home be demolished and not open to public or worst of all, turned into a shrine for him.”

Dr Lee said that their father was strongly against any personality cult and to date, no major structure in Singaore has been named after him.

“If any Singaporean needs to be reminded of his legacy, just look around at the thriving metropolis and the kind of society we are,” she added.

“Another reason Pa wanted Oxley demolished was because Mama was a private person, she is willing to temporarily play the role of the prime minister’s wife but she does not want the public tramping through her family home. This is a minor reason as far as nation building is concern.”

Dr Lee said she is certain that forming a “LKY personality cult” is bad for Singapore. “I had to move on after Papa’s demise and so should all Singaporeans. To look back with yearning for a dead leader means the country will never progress beyond the current phase,” she explained, telling Singaporeans not to “worship” LKY anymore.

She then turned to PAP saying, “The problem is that the PAP is trying to build a LKY personality cult. I hope this will fade away. Not because I am an unfilial daughter but because I want Singapore to continue to prosper and survive beyond LKY.”

“So Oxley should be demolished after I am gone. But precisely because this is not a certain outcome, I am bringing up this topic again,” she explained why she is bringing up the matter again.

Dr Lee also explained that her younger brother, Hsien Yang, now owns the house after buying it from PM Lee at market value “with the stipulation from Loong that Yang donates a further 50% of the value of the property to charity which he has done”.

Hsien Yang’s sole purpose in buying the house was so that he would be in a position to seek to fulill their parents wishes one day, that is, to demolish the house after her passing when she is no longer staying there, Dr Lee revealed.

“Papa gave his whole life to toiling for Singapore. Surely Singaporeans can find it in their hearts to grant my father his unwavering wish.”

The post was also shared by PM Lee’s brother, Lee Hsien Yang on his Facebook page.

The post Dr Lee Weiling makes new Facebook post, Lee Hsien Yang shares it in support appeared first on The Online Citizen.

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American Express Delta Reserve Credit Card 40,000 Bonus Miles & 10,000 MQMs ($480 Bonus Value)

Hustlermoneyblog has partnered with CardRatings for our coverage of credit card products. Hustlermoneyblog and CardRatings may receive a commission from card issuers.

American Express Delta Reserve cardIs Delta Airlines your preferred airline? Why not be rewarded for it with the Delta Reserve® Credit Card from American Express?

You can earn 10,000 Medallion® Qualification Miles (MQMs) and 40,000 bonus miles after you spend $3,000 in purchases on your new Card in your first 3 months.

In addition, you can earn 2X miles per dollar spent on purchases made directly with Delta & 1X mile for every eligible dollar spent on purchases.

To list a few of the many perks you can expect: a complimentary Delta Sky Club® Access in which you can enter the Delta Sky Club® at no cost and bring up to two guests for an exclusive rate of $29 per person per visit, an annual Delta Reserve Annual Companion Certificate where you can receive a Domestic First Class, Delta Comfort+® or Domestic Main Cabin round-trip companion certificate each year upon renewal of your Card., & concierge service available to you day or night as a personal resource for many different aspects of your life.

Delta Reserve from American Express Summary

Bonus Available 40,000 bonus SkyMiles and 10,000 MQMs after you make at least $3,000 in purchases within the first 3 months of account opening.
*Bonus Value $480
Travel Credit No travel credit. But you get a companion certificate every year when you renew your card membership.
Ongoing Rewards/Benefits Get 2 miles for every $1 spent on purchases made directly with Delta and 1 mile for every $1 spent on all other purchases.

You (and up to 8 travel companions) get your first checked bag free on Delta flights.

Receive Main Cabin 1 Priority Boarding on Delta flights.

Enjoy 20% inflight savings in the form of statement credits on eligible purchases.

Earn 15,000 bonus SkyMiles and 15,000 MQMs when you spend $30,000 within a calendar year. Earn another 15,000 bonus SkyMiles and 15,000 MQMs after spending $60,000.

Foreign Transaction Fees No
Airport Lounge Access Complimentary Delta Sky Club access.
Annual Fee $450
*Bonus value is an estimated value calculated by HustlerMoneyBlog and not the card issuer. View our latest valuations here.

Recommended Free Credit Score (Get Free Score)

690 – 850 (Good – Excellent)


  • Welcome bonus
  • Annual companion certificate
  • Delta Sky Club access
  • First checked bag free
  • Priority boarding
  • Partner airlines
  • No foreign transaction fees


  • Premium annual fee

Editor’s Alternate Pick

Chase Sapphire Preferred Card
The Chase Sapphire Preferred® Card offers 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 toward travel when you redeem through Chase Ultimate Rewards®!

You’ll earn 2X points on travel and dining at restaurants worldwide; 1 point per dollar spent on all other purchases. And when you redeem your points for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards, you’ll get 25% more value!

40,000 Bonus SkyMiles + 10,000 MQMs Offer

Get the benefit of the Delta Reserve card’s 40,000 bonus SkyMiles + 10,000 Medallion Qualification Miles (MQMs) offer now! We value the 40,000 SkyMiles at around $480.

To qualify, you must spend at least $3,000 to your card within the first 3 months of your account opening. Compare this to other top credit card bonuses that are being offered.

Here are some ideas on meeting the spending requirement:

Meeting Credit Card Bonus Spending Requirements
Plastiq – Using Plastiq allows you to pay for your personal expenses such as rent, tuition, mortgage, auto lease etc. Although they charge a 2.5% processing fee for using your credit card, this will contribute to the card bonus that you will receive. There is also a referral program that allows you to earn “Free-Free Dollars” that goes towards processing fees as well.
Funding Checking Accounts – When it comes to funding a checking account, opening your initial deposit with a credit card is the usual way to go about it. However, if you want to have more opportunities, you should open a checking account that offers a sign-up bonus. This allows you to work towards bonuses from not one but two different sources instead. Banks like Chase, Huntington Bank, TD Bank and BBVA offers credit card funding, and for your opening deposit, you can often fund anywhere from $50-$1000 with a credit card, depending on the bank.
Gift Card Purchases With Using a Credit Card – Another way to acquire the bonus is using your credit card to purchase gift cards. Buying a a gift card or an individual merchant card typically do not require a purchase fee and are used towards leisure, so gift cards are ideal. However, gift cards such as a Visa or American Express do incur purchase fees because they can be spent anywhere, but gift cards that are specifically for a certain online shopping site such as Amazon or eBay don’t.
As for a Citi Credit Card, you should call customer service and ask them to lower your Cash Advance limit to $0 before making any purchases because Citi tends to read gift card purchases as a Cash Advance.

Ideally, you should do this with any card just to be safe. Lastly, there is such thing as a discounted gift card which can be purchased on Raise or eBay. If you use a credit card often for everyday purchases, it can build your credit score that will contribute towards paying for things such as bills and taxes.

Alternative Ways to Meet Spending Requirements

What Are Delta SkyMiles Worth?

Similar to other airline-branded credit cards, the value of the miles you earn will depend on how you use them. Approximately, one Delta SkyMiles is worth $0.012. This is slightly valued higher than the industry average of $0.01 per point.

Here are some of the best ways to redeem your SkyMiles:

  • Flights with Delta
  • Flights with partner airlines
  • Upgrades
  • Hotel stays
  • Car rentals
  • Vacation packages
  • Exclusive experiences
  • Merchandise
  • Gift cards
  • Charity donations

To get the most out of your points, make sure you use them toward award flights through Delta or their partners.

SkyMiles SkyTeam & Non-Alliance Partners Include

  • Aeroflot
  • Aerolineas Argentinas
  • Aeromexico
  • Air Europa
  • Air France
  • Air Tahiti nui
  • Alitalia
  • China Airlines
  • China Eastern
  • China Southern
  • Czech Airlines
  • Garuda Indonesia
  • GOL
  • Hawaiian Airlines
  • Jet Airways
  • Kenya Airways
  • KLM Royal Dutch Airlines
  • Korean Air
  • Mandarin Airlines
  • Middle East Airlines
  • Saudia Airlines
  • Shanghai Airlines
  • Tarom Airlines
  • Vietnam Airlines
  • Virgin Atlantic
  • Virgin Australia
  • WestJet
  • Xiamen Airlines
*Visit Delta.com for an updated list of partners.

Delta Reserve Card Top Features

Companion CertificateDelta PerksLounge AccessMiles BoostNo Foreign Transaction Fees

Receive one domestic First Class, Comfort+ or Main Cabin roundtrip companion certificate every year when you renew your account. Long distance domestic flights are getting more expensive nowadays, so this perk could easily negate the card’s $450 annual fee.

This benefit is better compared to the lower fee Platinum Delta SkyMiles Card from American Express, where the certificate is for Main Cabin only.

First checked bag free. You, and up to 8 travel companions, get your first checked bag free. One checked bag is up to $30 a pop, one-way. So the maximum you could be saving with this perk is $540 (for 9 people) on a roundtrip flight.

Main Cabin 1 priority boarding. This means getting on the plane earlier and having first dibs on overhead bin space for your hand luggage.

Inflight discount. Receive a 20% savings in the form of statement credit on eligible pre-purchased meals and inflight food, alcoholic beverages and headset purchases.

Get unlimited complimentary access to Delta Sky Club every year you’re a cardmember. Bring up to 2 guests with you at a discounted rate of $29 per person. These lounges offer a place to work, relax and enjoy complimentary snacks, beverages and WiFi.

Without the Delta Reserve card, you would have to pay $500+ a year for unlimited individual access. So this benefit alone more than covers the card’s annual cost.

Both the Gold Delta SkyMiles Credit Card from American Express and Platinum Delta SkyMiles cards only offer a discounted rate ($29) per visit to Delta Sky Clubs.

Only these ultra premium cards also cover access to Delta Sky Clubs: The Platinum Card from American Express and The Business Platinum Card from American Express. These cards also cover many other lounge networks, including the Centurion Lounges.

Earn bonus miles and MQMs when you spend certain amounts in one calendar year:

Spend Threshold Bonus SkyMiles Bonus MQMs
$25,000 10,000 10,000
$50,000 10,000 10,000

Regardless of when your card account was opened, the calendar year for these benefits will end on December 31.

This card has the ability to waive the requirements for the Medallion Qualification Dollar (MQD) for the Silver, Gold and Platinum status tiers if you spend at least $25,000 for that year. However, for Diamond status, you will need to spend at least $250,000 for the year.

Medallion status is the ultimate goal for flyers because it offers unlimited complimentary ticket upgrades. Each medallion tier also earns more miles and benefits.

Make purchases abroad without worrying about foreign transaction fees with the Delta Reserve card.

Bottom Line

If you’re traveling frequently with Delta Airlines, it’s a no-brainer to reap the perks of benefits with the Delta Reserve Credit Card from American Express! You can enjoy several benefits across your travels, shopping & entertainment, and much more!

If you’re interested in what more Amex has to offer, see our list of the latest American Express Credit Card Promotions! For a more variety, see our list of the latest credit card promotions!

(Visit American Express for more details)

What’s The Competition?

Below are some of the top alternatives to the Delta Reserve credit card from American Express you should consider.

Lower Tier Delta Card

If the premium annual fee with the Delta Reserve card is a little bit out of reach, consider the Gold Delta SkyMiles Credit Card from American Express. Common perks include free first checked bags, priority boarding and 2X Delta Skymiles on spending.

The Gold Delta SkyMiles® Credit Card from American Express offers 30,000 Bonus Miles after you use your new Card to make $1,000 in purchases within your first 3 months and a $50 Statement Credit after you make a Delta purchase with your new Card within your first 3 months.

You’ll earn 2X miles for every dollar spent on eligible purchases made directly with Delta; 1X mile for every eligible dollar you spend on purchases. In addition, you’ll receive 50% back in the form of statement credits on purchases made directly with Delta with your Card within the first 3 months, up to $300 back.

There is a $95 annual fee, however, there is a $0 introductory annual fee for the first year. Now, you’ll get a savings of up to $240 per round trip for a family of four by being able to check your first bag free on Delta flights.

Premium Card Alternatives

The luxury travel perks may be important to you, so check out these top tier travel cards:

Chase Sapphire Preferred Card
The Chase Sapphire Preferred® Card offers 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 toward travel when you redeem through Chase Ultimate Rewards®!

You’ll earn 2X points on travel and dining at restaurants worldwide; 1 point per dollar spent on all other purchases. And when you redeem your points for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards, you’ll get 25% more value!

The Platinum Card from American Express

The The Platinum Card® from American Express offers 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.

This card comes with an annual fee of $550, but you cardholders can enjoy Uber VIP status and free rides in the U.S. up to $15 each month, plus a bonus $20 in December. That can be up to $200 in annual Uber savings. Furthermore, you’ll receive $200 Airline Fee Credit, up to $200 per calendar year in baggage fees and more at one qualifying airline. Plus, up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card® & receive complimentary benefits with an average total value of $550 with Fine Hotels & Resorts.

In addition, you can earn 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel & on prepaid hotels booked on amextravel.com.

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Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.Hustlermoneyblog has partnered with CardRatings for our coverage of credit card products. Hustlermoneyblog and CardRatings may receive a commission from card issuers.


The post American Express Delta Reserve Credit Card 40,000 Bonus Miles & 10,000 MQMs ($480 Bonus Value) appeared first on Hustler Money Blog.

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