You may have from time to time heard of penny stocks but may not be sure of exactly what they are but there is no secret or sinister about them, they are merely shares in companies which are too small to be considered worth trading on the main stock markets like the NYSE or NASDAQ. These companies total worth is probably less than $50 million and so often the price of one share is just pennies as opposed to the many dollars a share of a blue chip company on the larger stock markets. Like the big shares or more expensive shares though, these penny shares do fluctuate in price and so although you may not make as much on penny shares, you can make just as large percentage gains it is just that your investment is usually less and so the profits can be less. That though does not mean that you cannot make real profits from trading in penny stocks as there are some penny stock millionaires. In all honesty though, these penny stock millionaires are few and far between because it is considered that only 10% of all penny stock investors make any kind of profit, let alone millions of dollars of profits. OF course though, even the largest of the corporations today, were small at one time and so if you are able to buy shares in a company when it is small and keep those shares whilst the company grows into a huge corporation, your shares will have risen dramatically in price. You can learn more about penny stocks at http://www.moneysoldiers.com/how-to-buy-penny-stocks-the-basics/ but basically why you hear less about these than regular shares is because many investors consider them more of a gamble than an investment and they may be right as, although penny stocks are shares in companies, the companies that are issuing the shares are too small to trade them on the larger stock markets which means they do not come under the control of the Securities and Exchange Commission (SEC). How this makes a difference is because if a company does come under the control of the SEC, it is required to give a certain amount of information about it so as to allow an investor to know what they are investing in. The smaller companies are not duty bound therefore to divulge any information about themselves, possibly forcing a penny stocks investor to not know exactly what they are investing in which is of course more of a risk and so to some becomes a gamble rather than an investment. However, as with many other forms of gambling, the risks may be higher but the winnings can be great, as the penny stock millionaires have been fortunate enough to find out. As trading in penny stocks does not need as much initial capital as investing in the larger stock markets, some people start as penny stock investors and if they make enough profit to jump to the major stock markets; they do.
It’s almost time for February 14 again so you should make some arrangements ahead of time so that you could make the day special for you and your partner. Before the day itself, you may want to ask a couple of things. Ask your girl about her likes and if she has any specific ideas about this year’s Valentine’s Day. However, you shouldn’t just keep on asking making things obvious. It would be best for you to establish surprises later on. When you’d bring out special presents later on, your partner would surely appreciate your gestures and be appreciative of your efforts. There are a couple of things that you could do to make Valentine’s Day for the both of you great. For some tips on planning for the day, you should read below.
As part of your gift, you could take your girlfriend or partner out to dinner. If you’re on a budget or simply want to have an intimate setting, you always have the option to celebrate Valentine’s Day within your home. Wherever you’d have dinner on February 14, you should make sure that the place has a romantic feel to it. It would be best for you to have drapes that are red in color or have curtains that have shades that are associated with love and passion. For the table where the two of you would eat, there should be a vase with fresh roses since the rose flower is more often than not treated as appropriate and perfect for Valentine’s. As for the food, serving aphrodisiac items are optional. What’s important is that you serve only those that you’re sure that the two of you would be able to eat without having any problems such as allergies. In most cases, couples eat chocolates and other treats during Valentine’s Day but you don’t really have to have such things if you can’t afford to get them or are unsure whether or not you and your partner would enjoy having them.
So what should you give your woman on the day? You have different options available to you. If you’re interested in handing over some flowers, you could buy a bouquet of roses or some other flowers that smell nice. Just make sure that you’d purchase fresh ones and those that can be boxed. Together with them, you could have some sweet treats and also a stuffed animal like a bear. If you want something that’s extra special and pricey, you could go ahead and purchase a jewelry item for your love. Typically, most women love to put on jewelry items. You could get a necklace or arm band if you believe that she would want to have any of them. If you’re planning to propose or simply express your love to a person, you could check out cubic zirconia wedding sets to have some that you could use for engagement or renewal of your feelings for someone. Whichever present you prefer to give, it would be best for you to purchase at least a week before the said day so that you won’t have to compete with other buyers and have what you want to give ready beforehand.
Before you reach the age when you’re going to retire from working for your boss or company, you have to make preparations. You should also make yourself ready before you quit from doing your business. That’s because, after you’ve said that you’re done with work, there are some things that you still need to attend to. As long as you’re alive, you have to pay for a couple of things. Because you still have bills to pay, you still have to have some means of income. Also, you’d still want to feel comfortable later on so you have to work on how to provide yourself with peace of mind or security in the future. You can’t simply just keep on working for the rest of your life. At some point, you’d want to stop because you may have to take better care of yourself or you could no longer do the things that you used to do. Also, no employer would want to keep any of his or her workers for good knowing that in some ways those that are youthful may be more skillful and manually capable. Because one has to be ready for the years to come, one also has to make preparations early. For some tips in retirement preparation that may be of assistance to you, please read on.
Since you’ve got to have money when you retire, you have to save some of your earnings regularly or from time to time. Having some savings can let you have peace of mind for the future and real resources that you could use later on. Although you may have some bills that you have to pay, you have to work hard to earn more or have the discipline to keep portions of your salaries so that you could save. If you don’t have one right now then you could try opening a bank account. If you’re not comfortable leaving your money somewhere then you may provide yourself with a safe where you could store your money. Take note, however, that you should do more than just depend on money alone because the value of currency changes from time to time. Because the price of money can be heavily diminished by economic problems, it would be best for you to invest in things that are pricey instead. To be specific, if you could, you should try gold or silver ira rollover options. That’s because you could benefit greatly when you’d have an account where you have physical gold and silver bullions.
If you want to, you could also set up a retirement fund that you could take advantage of when you’d reach a certain age. Basically, when you’d have this type of fund, you could continuously get money even when you’d be unemployed or self-employed later on. As much as possible, though, you should not only create but also maintain a retirement account so that you would be able to provide yourself well in the years to come. If possible, you should make multiple accounts for retirement so that you won’t end up having financial troubles someday.
If you have decided to go for gold IRA, then you should know at least the basic rules that it has. This can help you set-up the best gold ira for you. At first, it can feel confusing and overwhelming especially if it is your first time to encounter it. With proper information and explanation, you will soon understand how to do it.
Gold for Gold IRA
The gold that is used for your IRA isn’t just any gold you can find. You have to make sure that the gold you deposit in your retirement account is up to the IRS standards. The gold that you get should come from dealers that offer a minimum purity level of 0.995. These companies should also be ISE-9000 certified. Both gold bars and coins should pass the IRS standard and the collectible coins shouldn’t be part of your gold IRA.
The Need For A Broker
A broker or a custodian would be needed for you to be able to invest in gold. They would be responsible in keeping the gold for you. You have to make sure that they are really eligible to do so before you give them your gold for safekeeping. Finding the right custodian can be a challenge especially for those who are new to this. You need to find someone trustworthy because you are giving them the responsibility to keep your gold. The gold invested in your retirement account should be deposited at a third party depository and shouldn’t be kept by the investor themselves.
Aside from the broker, you also need to have a self-directed IRA that will allow you to invest in things that you want to invest in, including gold. There is also a time limit with how long it would take you to completely roll over your IRA to gold, which lasts for 60 days. If you fail to do so, the amount that you got would only be considered as a withdrawal and would be taxed.
Restrictions In The IRA
You should also take note of some funding restrictions if you are just starting with your IRA. A maximum of $5000 is allowed to be placed in your IRA account. You have to gradually increase your funds over the years. If you want to put more than $5000 in your IRA account, you can do so through a roll over or a transfer. It is important that you report all rollovers that are made. A custodian will send you a form that you should fill up. This form will be forwarded to the IRS to inform them of the rollover or transfer of your account.
In the event that you sell the gold in your IRA account and withdraw the money, you will be taxed depending on your income tax rules. You would also be taxed if you withdraw the physical gold in your account.
Make sure that you comply with all the rules of the gold IRA to benefit from it in the future. You should know the rules and guidelines with regards to it to make sure that the transaction goes smoothly. It will also help prevent you from being charged with tax that should have been avoided if you only followed the rules.
Since the financial crisis of 2010, many people are transferring their regular IRAs to gold IRAs. The difference between the two is that regular IRAs invest in the stock market with the fluctuations that exist in that whilst gold IRAs, are only allowed to invest in old or other precious metals. It was the holders of regular IRAs that in 2010, if they retired that year, who found out that all their savings over the years, amounted to far less than they had expected due to the low value of the stock market. Of course it could be argued that they could have made a huge profit if the timing had been different but it wasn’t and they had their dreams of a financially secure retirement shattered. It is known that the stock market can fluctuate greatly and although that may suit people that are hoping to make a quick profit, it isn’t really a good type of investment for long term savers, such as those people saving for their retirement. Since the disappointment of those retiring in 2010, many IRA holders are switching to gold IRAs. Gold IRAs are subject to the same tax benefits as regular IRAs but instead of investing funds in the stock market, gold IRAs must make the investments in either gold or other precious metals. As gold and precious metals fluctuate in value far more moderately than stocks, they are considered to be safe investments, ones which are good for long term savings.
If you opt to switch to gold IRAs, it will be said that you are investing in physical gold. Although considered as physical gold holdings, it is not you of course that holds the gold, you will have to find a suitable custodian who will then be obligated to secure the gold on your behalf. These custodians obviously charge a fee but for that fee they ensure all your holdings are secured properly but, as the amount of gold you acquire grows, so will their fees. This means that not only should you check what a custodian will initially charge you but also what his fees will rise to once you have larger holdings.
Although once you have opened your gold IRA you are entitled to buy old bars, old coins or just gold by the ounce, there are certain restrictions on exactly what gold you can buy. For instance, many rare gold coins or what are deemed collectables, are not allowed to be bought by a gold IRA. There is no reason why you should stray from these rules that the IRS has laid down but if you do, the IRS will take it very badly and ensure that you pay for all the benefits you had previously been allowed. Do not let these things put you off though, gold is always a good investment and has always been valuable, even in the days of ancient Egypt and there is nothing that seems to be going to change that, not before you retire at least.
If you decide to review your plans for your retirement, you will want to know how much money you can expect to receive from your retirement fund and that is not always as easy to find out as you may think. This was something that unfortunate retirees in 2010 found out the hard way. 2010 was the year of the last financial crisis and those people that retired that year, or 75% of them anyway, were shocked to see how very little they received for their years of saving. The reason for this is that most 401ks are dependent on the stock market and if the stock market is doing badly, so are the funds for your retirement. Saving for retirement is a long term process and so it is impossible to know exactly how something as volatile as the stock exchange will fare at the time of your retirement, at the time when you start to save. Plus of course, regardless of how bad the stock market may do, you will still have to pay the investors for their bad decisions. That is unless of course, you invested in a Gold IRA for your retirement. As a Gold IRA only allows for investments to be made in gold or other precious metals, it is unaffected by the volatility of the stock market and therefore a far safer form of saving. Regulations concerning switching from a regular 401k to a Gold IRA change all the time but it is easy to find >gold 401k rollover updates by request or online. Once you have all or at least some of your retirement money invested in a gold IRA, you will find sleeping easier at night as you do not have to worry about how the stock market may fare in the morning.
Although a Gold IRA invests differently from regular 401ks, it still affords the investor with the same tax benefits as a regular 401k would. Of course though, as with all good things, there are some catches but the chances associated with Gold IRAs are restrictions on some of the investments your money can buy into, like special collectible gold coins.
You will not be permitted of course, to hold your gold yourself as that would be contrary to the rules of a Gold Ira however, the company managing your investments will have to find somewhere where they can be kept and that in turn will require a fee to be paid by you. As the more old or precious metals are bought, the more space may be needed to store them and so the higher the fees by the management company may become. For this reason, it is best to enquire of your proposed management company, what their intended charges are before committing to them any of your cash. All companies will have to make a charge and that is understandable but some can charge far more than other s and that is sometimes hard to understand as to why.
Are you thinking about getting in the way to invest your money effectively? The fact is that there are many different kinds of investment solutions that can be found out there but you have to take note that not all of them can be trusted and relied upon most especially when it comes to the returns that you are going to make from them. In this regard, many smart investors have found a more credible way of making high returns no matter what it takes and this is through gold investment.
Granted that you have been convinced of gold’s intrinsic value, there is one particular question that you need to take note: how to buy gold? So even when you are very much interested about gold investment if you do not know where to buy gold then you can never get yourself started on a particular time you want. The following are important tips and reminders that will serve as your guideline when looking forward to get in the way to find the right place and means to buy gold.
Ask for Local Gold Dealers
Local gold dealers are simply found in abundance these days. These dealers are trusted sources of different forms of gold products that you may want to buy and collect for your gold investment scheme. However, you have to take note that not all gold dealers in the locality can be trusted and relied on. You need to know that you should be looking for reputable dealers so that you will not have to deal with negative issues that may come along the way.
Simply take the time to ask people around or look on the pages of your local phone directory. There you will be able to find a good number of people or even companies that offer different kinds or types of gold products that can be purchased by gold investors for their gold investment businesses.
Ask Your Colleagues
places to buy gold Maybe you have friends or colleagues who are owners of different types of gold items. You can simply ask these people and for sure you will definitely learn essential information that will help you on your way on how to buy gold. Asking your friends and colleagues also gives you the chance to gather instant answers to whatever question you wish to ask to them. This way, it will be much easier and quicker for you to come up with a good decision whether or not you will be buying gold from a particular dealer that is being referred to you.
With the aid of the internet, you can simply search for the best place where you can buy gold. Here you will be exposed to a plethora of potential choices, allowing you to compare one after another until you come up with the one you are exactly looking for.
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Getting a good mixed of investments is necessary to take advantage of the ups and downs of various investments at different times. If you have put all your money in stocks only, your investment would have lost much of its value during the 2008 financial crunch. This is especially so if those shares were in financial institutions and any corporations whose business was somewhat linked to or affected by the sub prime real estate scandal. On the other hand, if you had invested in other types of investments such as gold bars or silver bars at that time, you would have seen the value of your investments soared.
So do you invest in stocks now since the stock markets such as the Dow Jones Industrial Index of all the large corporations listed on the New York Stock Exchange has been hitting record breaking numbers this past year? Or do you go for gold bars since gold was at a historical high not so long ago and is still looking pretty good as an investment? How about bonds? Real estate market is showing sign of recovery after the crash in the sub prime housing bubble. Would that be a decent place to park your savings? With stocks crashing in times of a recession or gold prices settling in periods of doldrums in the past or even real estate crashing through the roof, perhaps keeping the money in the bank would be safer.
There are different takes on which investment gives a better return or when is the best time to invest in this or that investment. The opinions and advice vary depending on who prepared the investment reports. If an analyst is writing for the real estate industry or on behalf of a financial institution that offers housing loans, the investment report would probably sway in favor of their employer or sponsor. Major investment firms also publish their own reports. Whether they reviews and recommendations are objective and fair can be determined from browsing through the list of companies they have invested. Therefore, if you are planning to invest in the stock market or the stock of a specific listed corporation, it may be prudent to read several reports and analysis from different publications in order to obtain a more objective and broader perspective of the trends and projected direction as seen in the eyes of professionals.
In order to weather through unexpected turns of events that are capable to causing fluctuations in a particular market, it is advisable to spread your investment risks in different baskets. The proverbial advice not to put all of the eggs in one basket seems to be a great investment strategy. A healthy investment portfolio has different types of investments that are able to leverage against unexpected rise or fall in one or more markets. How much of stocks, bonds, property, cash or gold to hold at any one time is a balancing act that is best discussed with a professional investment adviser who needs to know how much risk you can take comfortably, your investment goals and your investment period.
During the most recent financial and economic debacle caused by the collapse in the sub prime housing market, many investors flocked to safer investments such as bonds as well as precious metals such as silver and gold including gold and silver bars. As the news of the inevitably of a financial crisis exploded in 2008, the price of silver took off from $10 per ounce to dizzying heights of almost $50 per ounce. An investor who has invested in silver before the crisis who have made a handsome profit 50 times over in a few years.
While investors in stocks and shares experienced the lowest moments of despair as some of them see their entire investments lose their value, other investors have a reason to smile as their investments in precious metals such as gold and silver as well as commodities gave historically high returns. Therefore in any moment of time, whether it is during an economic boom or in a financial or housing collapse, there are still investments that give good and healthy returns. But are there any investments that can weather through all investment climates? What are the best forms of investments? Are precious metals dependable as safe havens for investments during a crisis?
Investment analysts and experts have had their say about what is the best investment and what stock offers the best performance. There are so many reports, analysis and news about stocks investments and corporate performance, there is certainly no lack of opinions and views on how the investment climate is faring or what direction the stock market or commodities market is going. Whether you are planning to invest in stocks or shares, exchange-traded funds, bonds, commodities, options, derivatives, futures or precious metals, you can find all kinds of advice and recommendations from experts in their individual specialty. Most, if not all of the time, the report or recommendation will come with a footnote that says something like this – the previous performance of the fund or stock does not indicate its future performance. Hence, it is a warning that a well-performing investment may not necessarily stay that way all the time.
Take for example, oil and natural gas. The price of oil and natural gas was over $100 per barrel a few years ago. It is now trading slightly below that. There are conflicting views whether the price of oil will stay at this level or move upwards or adjust downwards. Most people by now would have forgotten that more than twenty years ago and in the 1970s, oil was trading at only a tenth of its current price. The oil industry was in the doldrums. Companies that are involved in the oil industry including oil riggers and their suppliers and contractors went bust. No one even wanted to look at an oil well because the cost of drilling was not worth the price of the oil.
The lesson we can learn from this is that the economy experiences a cyclical existence. Whatever we invest in is bound to benefit from a boom or suffer during a bust. There is no guarantee in any investment. But different types of investment perform well during a bust while others may not.
Gold bullion is a popular choice among investors who want to take advantage of the uncertain, harsh, and volatile financial market. Selling gold is ideal if the economy is at its lowest and the stock market is in chaos because it is during these times when gold value increases. However, buying gold bullion is a different strategy because the more stable and financial market is, the lower the gold value will be. If you are planning to buy this precious metal for investment purposes, make sure you do transactions with the real deal such as Golden Eagle Coin.
Gold Bullion Up Close
The term bullion usually refers to measured, sold and bought precious metals in quantifiable bulk. The measurement of this precious metal in bullion form is usually through mass and purity and not based on its condition. High grade and pure gold is much difficult to find and this rarity would affect the market value of the precious metal. In most cases, there is an obtainable 99.99% purity in gold bullion which is quite common in legit financial markets and investments. Gold has a rising value through the years hence it is a very safe and secure way to invest your money and get higher ROI.
Before Making that Investment
Gold Bullion If you are a newbie in this investment field, you need to do a thorough and careful research on gold bullion and on how it could grow and boost your money in the long run. For instance, take some time to comprehensively learn about this precious metal. Educate yourself or learn from the experts who have help and guide you in making a successful and lucrative gold bullion investment.
Here are things you need to learn about gold and investment:
• Know the different types and weights of gold bullion.
• Learn how you can properly and accurately determine the spot price of the gold you want to purchase particularly on a given day.
• Master the art of identifying unscrupulous and illegal dealers or fly-by-night companies before you make the final decision and make the purchase.
• Determine what investment options you can choose from when you buy gold bullion and use this to boost your money value and profits.
Important Notes and Advice for Investors
Beginners in the field of buying raw gold could use some helpful tips and advice before plunging into the deep. For instance, always remember that the value of gold or any precious metal contained in one item is typically its real and true value. Thus, if you buy gold bullion for the purpose of investment, it would work best if you buy heavier pieces at regular intervals. Experts say buying gold when the economy or stock market is stable is a good idea as it is when gold value is at its lowest.
With the best investments you can get from buying or selling gold bullion, you are well on your way to exponentially growing your money. Make sure you avoid scams and frauds to maximize the full potential of your golden investment.