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The Real Value of Gold and Silver Coins

This is where the world of numismatics comes into play in the way some of these small pieces of metal are given a price tag. When you are trying to build up a nest egg or a survival cache of valuables.

This is one of the hardest questions to answer in the world of both precious metals and numismatics. A coin can have a value based on the content of the material it is made of and it can also have a premium value based on how rare it is. Some copper or steel pennies and 5 cent coins are worth more than one ounce $20 solid gold Double Eagle. This is where the world of numismatics comes into play in the way some of these small pieces of metal are given a price tag. When you are trying to build up a nest egg or a survival cache of valuables, it is best to put as much distance as you can between yourself and items of value because of popularity rather than their real and true physical value. A perfect example is diamonds. Diamonds may be a girl's best friend, but common diamonds (3 karats and under) are very common. The only reason why they have a value today is because the people that own them are not selling them. It is almost the same as the way OPEC runs their oil cartel. Russia, Canada, and the U.S. produce so many perfect one karat diamonds per year they are measured in the metric tons.

Let me say that again, they are measured by the metric ton. Do you think something that is measured in the same increment as quartz has a real value? Last year more diamonds were dug up and put on the market than topaz and rubies combined, and that is not because of the market demand. If you want to bank your hard earned savings for the future and protect yourself against the potential pit falls of a fiat money paper collapse of the economic system, you need to look to both gold and silver. Gold because it is traditionally 20X more valuable than silver and silver because it is much easier negotiable in small quantities. Stay away from the gold and silver coins that have a premium because they have a value based on their minting, year or origin. Just buy gold and silver coins that are very known people will take from you as a form of legal tender if they will no longer take the paper money the government is pumping out. The whole concept of creating a survival cache for you and your family that mostly consists of a form of currency is to stock pile a type of currency that people will be very easy for you to spend. A 12.5 or larger bar of gold is not the way to go. You need to stay under the “radar” while at the same time being able to go to the bakery with a 1964 silver dime to buy a loaf of bread.

People have been predicting the end of the world and society for years and even generations. It has and is happening in some places and me personally really feel the pain and sadness each of those children and parents carry with them every time they dodge bullets as they take their loved one to the grave yard. But if you think that just because I live here or there I am safe from a total breakdown of society, you better take two or three step back and think again. Some of the most stable governments that we as Westerners have looked to in the past for support and natural resources are falling apart right in front of our eyes and there is probably an element out there that is trying to destroy our way of life also. If you feel the need to protect the future of your family by purchasing gold or silver coins, then you need to buy coins that are not valued by numismatics. You need to buy coins that are valued by weight and recognizable standard value. Stones, gems and jewelry are not the best way to go either. Just stick to the currently minted legal tender produced by governments that are recognized as the ones that produce a quality product. You cannot go wrong with this type of plan. In the end, if the world is OK, you still have your gold and silver, you just may have missed out on the next dot com bubble.

The feasibility of Long Term Loans with No Guarantor – How it performs?

The option of long term loans with no guarantor ensures financial stability. Ideal for borrowers having poor credit score, these loans do play a significant role in stabilizing the financial condition.

The basic concept of applying for a loan is to secure the financial stability. At times, when you have issues related to bad credit, it becomes difficult to manage the various expenses. Being short on the monetary front, you will look for a way to keep the proceedings under control. Under the prevailing circumstances, it is somewhat tough to avail loans with a poor credit history. Some options that are being offered are made available only if you are in a position to provide a guarantor? What if you are not in a position to offer any guarantor? Well, there is still a way through which you can attain the funds. This, in fact, is made possible by the long-term loans with no guarantor, which you can put to use to overcome the financial crisis.

When it comes to acquiring the loans without the guarantor, it basically comes down to your individual preference. Besides, attaining the much-desired cash flow, you will also be interested in improving the credit score. There is nothing wrong in applying for the loans. But it becomes necessary to utilize the funds obtained in an effective way, so as to maximize the benefits.

Long term loan without any guarantor – What to expect?

As the name refers, the long term loans bad credit no guarantor are ideal for borrowers with bad credit rating, who are looking for a way to enhance their financial stability. The absence of guarantor ensures swift approval of the funds, which are normally approved without any credit check. Well, the amount made available is largely based on the prevailing circumstances. If you are having access to a regular income and that you are in a position to make the repayments on time, then qualifying for the loans will not be a problem.

The loan amount released can be used for a number of purposes and there is no restriction as such. But then the interest rate charged on the loans appears to be on the higher side. This is precisely where you have to be a bit cautious. Keeping your best interest in mind, it would seem to be a logical move if you keep the borrowing to a limit. This way, you will be more in control, when it comes to repaying the amount borrowed. Besides, on making a comparison of the various offers, it may help you get access to more competitive terms. And when you do make it a point to clear the dues on time, it will further help to improve the credit score.

The significance of loans without guarantor

Without looking into the specific details you will never know if the long term loans without any guarantor will work in your circumstances or not. This is why; you must make it a point to read through the terms and conditions before selecting any specific deal. In this manner, you will get a chance to identify the offers that fit into your circumstances.

Long term loans with no guarantor can really put you in a position from where you are not at all required to worry about other aspects. At the same time, it also comes down to using the loans as an effective medium to retain your financial credibility.

The 4 Types of Portfolios

A couple of normal sorts of portfolios that individuals everywhere throughout the world keep to keep their ventures sorted. Investigate some of these sorts share advertise portfolio talked about in the sentences that take after.

You'd frequently hear the stock consultants informing individuals about keeping up a portfolio with respect to the majority of their stock ventures to know how close they have come to their objectives. Much the same as you can't generally have similar eggs in your wicker container, it is essential to have distinctive sorts of ventures too in your portfolio. One central point that is utilized to judge diverse portfolios is its hazard fitness. There are a couple of regular sorts of portfolios that individuals everywhere throughout the world keep to keep their speculations sorted. Investigate some of these sorts share showcase portfolio talked about in the sentences that take after.

The Aggressive portfolio: 

There is dependably an assortment of players in the share trading system and the ones who have a very forceful approach towards speculations are the ones who don't confine their ventures to one write and are continually ready to go out on a limb to develop as a speculator. These sorts of individuals keep up a forceful portfolio. In this kind of portfolio, every one of the stocks that are recorded has a high recommendation towards hazard and also the prizes. They would encounter abnormal amounts of vacillations.

The Defensive Portfolio: 

This sort of portfolio is direct inverse to what we examined above in the forceful portfolio and the financial specialists here attempt to play a protective diversion when putting resources into the stocks. Their portfolio won't, for the most part, have any stock that has a high hazard extent and in this way, these stocks would be broadly secluded from the significant developments that happen in the market. The reality here is basic, these stocks won't get influenced significantly even in conditions when the share trading system is generally observing a destruction or the economies everywhere throughout the world are demonstrating real changes. As the hazard is low, the measure of benefits of the shares to purchase too won't be as high when contrasted with that in the forceful portfolio stocks.

The Speculative Portfolio: 

For every one of those individuals who is never stressed over going for broke, keep up this sort of portfolio. It is said that this portfolio looks nothing not as much as immaculate betting. In contrast with whatever another portfolio that we'll talk about here, this has the most extreme measure of hazard. Individuals having this kind of portfolio keep themselves mindful about what is going on in the organization of which they have shares to offer. They watch out for up and coming choices and make their ventures as indicated by that.

Hybrid Portfolio: 

Until further notice that you have looked at all the changed sorts of portfolios, a half and half portfolio have a few qualities of these. The speculations made through such a merchant would shift crosswise over different fields in a manner that a remarkable adjust is made. These kinds of financial specialists like to put their cash in the administration plans, ETFs, and so forth through such a portfolioArticle Submission, the speculator guarantees that they have stocks that will give settled yet ensured returns while some of such alternatives too that are significantly subject to the hazard elements.

Why Some Home Sellers Prefer Direct Buyers Over Brokers

A real estate broker is a person or entity who serves as an intermediary, or middleman between sellers and buyers of real estate, and is the person who initiates or attempts to find property sellers and buyers

In the US housing setting, a real estate broker and his accompanying sales team assists sellers in promoting and selling their property, usually negotiating for the highest price or rate possible, and under the best terms. It is standard practice in the United States that a person is required to obtain a license first in order to receive compensation or a commission for services rendered as a licensed real estate broker.

Unlicensed real estate activity is considered illegal, but buyers and sellers who act as principals in the sale or purchase of real estate are not required to be licensed. In some states, however, lawyers are allowed to handle real estate sales and are paid fees and commissions without the need to be licensed as brokers or agents.

There are quite a few buyers and sellers who are comfortable doing the work of marketing their home for sale by themselves, as well carrying the weight of the work on the buyer’s side. Unrepresented buyers or sellers do an equal amount of work as agents or licensed brokers.

An unrepresented seller more than often approaches a listing agent for a property they represent. If somehow the home seller convinces the agent to give back the “buyer’s agent share” to him, it is not as if the listing agent is not going to be picking up the slack for the work the seller does not do or is inexperienced in doing at.

The unrepresented seller is at most, directly offering his/her property to a buyer by negotiating deals directly and haggling over the best possible price and payment method. The good thing however with dealing with direct buyers over brokers or agents is that a homeowner would not have to cut profits with established brokers agents, and would not find the need to dole over a substantial amount of commission to the agent.

Should a home or property owner decide to sell his asset on his own and not avail the services of a licensed broker, he/she should be ready to prepare all necessary papers describing the property for advertising, pamphlets, open houses, and others. Advertising a property is often the biggest outside expense in listing a property, and a home seller should readily shoulder the expense for this.

In some aspects, holding an open house to show the property would be a rather inexpensive venue for the home seller to show off his property. By being a contact person, the seller should always be available to answer any questions about the property and to schedule showing appointments to prospective buyers.

Why use a Real Estate buyer agent?

In short, the reason is to get you a better deal than you would have gotten without one. It’s really as simple as that! This means getting you exactly what you want, keeping you from what you don’t want, saving you time and hassle, saving you money by finding underpriced homes and negotiating an even lower price, making sure all papers are written to your advantage to save you 2% of the cost of the house in fees, keeping you in control, and seeing that everything is handled until the sale actually closes. Having a buyer agent is the difference between having a repair manual (seeing homes online) and having a mechanic (actually buying one). This means that if you aren’t in the real estate business, you won’t be familiar with the ins and outs of buying a home (meaning no offense to you). You also won’t be familiar with how to make it work for you. The listing agent will use this fact to get the seller a better deal at your expense. Just because an agent is likable and is driving you around doesn’t automatically mean he is working for you! Unless you have an agreement otherwise, he is the SELLER’S agent, not YOUR agent, and will work to get the seller the best deal!
A buyer agent is trained in real estate and can make sure everything works for the home buyer, such as:

-> Finding a “pool” of homes for sale that has the features the homebuyer wants using the sources of information the Realtor has developed
-> Ability to identify which of these homes are also sweet deals, so you don’t overpay
-> Getting a good idea of a house’s condition and any defects it might have just by looking at it, which will save the home buyer a lot of trouble
-> Many agents preview homes for sale, so they have seen many of them in person (not just on a computer screen), know their condition, and can save you time
-> Knowing what is normal and negotiating the most favorable price and terms for the home buyer, which can obviously save you thousands of dollars on your purchase
-> Making sure all of the numerous necessary real estate forms and disclosures are handled and written to your advantage
-> Knowledge of various companies who will work best for different situations such as title, inspections, appraisals, surveys, insurance, flood insurance, and other matters handled from acceptance to close
-> Knowing a few mortgage officers who have shown themselves to be competent, hardworking, and able to do what they say up front
-> Handling all the many day-to-day problems that need to be done to get the transaction completed and that most people don’t have the time, willingness, or knowledge to handle. Some of these problems will delay or even derail a closing and disrupt your plans to move – obviously causing you many problems and costing you money – and your moving van can’t unload until all I’s are dotted and t’s are crossed.

How do you know that a Real Estate agent is working for the buyer?

If you don't have a WRITTEN buyer representation agreement with a real estate agent, then that agent will be working for the home seller BY DEFAULT and will get the best deal for them (maybe at your expense.) The typical scenario works like this: The Realtor says that the owner doesn’t want to negotiate on terms. Why? Because he is trying to get THEM the best deal, not YOU! Is he showing you listings that aren't what you want? That's because he is trying to sell the houses that are listed with his company ONLY! (Can't blame him, that's what he is contracted to do.) Did the sellers find out that you were willing to pay full price? That's because THEIR agent told THEM what you said! (He HAS to do this. He is THEIR agent, not YOUR agent.) You wouldn't think of going into a courtroom and expecting the other guy's lawyer to be looking out for you, would you? The same idea applies to real estate agents.

What are common reservations to hiring a Buyer Agent?

1. You want to do it all yourself

2. You don’t want to pay for an agent

3. You don’t want the hassle of dealing with an agent

Consider:

1. Are you sure you know everything you need to know to get the home you want, get a good price on it, and write the papers so things work your way? Are you “in the know” when it comes to current real estate information? Do you have the pulse of the market? Do you know about real estate procedures and which forms to use? Do you have the desire to be a martyr, or the desire to buy a home? The Realtor has already learned all this, both out of the book and through experience.

2. There is usually no additional charge for a Buyer Agent to work for you – the listing agent will split his fee with the Buyer agent. As a side note, if an agent works for the seller, they get paid EXACTLY the same thing, and he didn’t even negotiate a better deal for you!

3. A buyer agent reduces your hassle: without one, you will spend long hours looking through ads or online listings, making calls for showings, not getting callbacks, driving out to see houses that turn out to be not what you want, feeling awkward in other people’s houses, spending time on papers, making multiple calls every day to keep things on track, dealing with lenders who need a daily ‘nudge’, requests for information (and knowing what information they are talking about), coordinating closing, running across town for documents, and doing everything at odd hours on weekends. (Ahhh, the pleasures of buying a home!) The buyer agent does all this and just reports the highlights to you.

The simple reality is that you will be working with an agent no matter which home you buy, whether from a private owner selling his/her house through a real estate agent who represents THEM (not you), or from a builders representative (the agent who is in the sales office on the new home lot), who represents the BUILDER (not you). Or, you can work with an agent who looks out for YOU. Which do you prefer?

You buy and price falls, You sell and price rises

One say’s “I bought “XYZ Company” at 2200$ and immediately after I bought the stock price dropped to 2000$.” I feel sad. Another comes with a different version “I sold “XYZ Company” at 2000$ and it went up to 2400$ same evening” I made an imaginary loss of Rs.400 per share.

Solution:

You can buy more shares 2000$ and reduce your overall buying cost. This has to be done only if believe in the fundamentals,management and the future prospects of the company.

To do this you need to keep money ready.whatever money you have and want to invest,split it into two parts. Then keep 50% cash aside, only invest with other 50%.So if need to buy more of any stock when the price falls you have ready cash.

Also now if you have 200 shares of XYZ Company 100@2200$ and 100@2000$.Then the price goes up to 2400$. Sell only 100 of the shares.Then if the price further shot up, you have some shares to sell And participate in the rally to make money.

Next You sold the share and the price went up. The solutoion to this is never sell all the shares at one time.Sell only 50% of your shares.So if he price goes up later you still have the other 50% to sell and make profit.

The golden Rule is to first do your own analysis of the stock before investing and buy on tips. Also invest only in companies which declare dividends every year. To be sure that you are not investing in loss making companies.

Every Market expert advices to do your stock analysis before investind in the stock market.
But nobody tells you how.

Well in my next article I will write about how to do stock anaysis using various tools such as financial ratios and by checking the track records of the comapnies you plan to invest in.

5 Tips for Investing in Penny Stocks

Investing in penny stocks provides traders with the opportunity to dramatically increase their profits, however, it also provides an equal opportunity to lose your trading capital quickly. These 5 tips will help you lower the risk of one of the riskiest investment vehicles.

1. Penny Stocks are a penny for a reason.While we all dream about investing in the next Microsoft or the next Home Depot, the truth is, the odds of you finding that once in a decade success story are slim. These companies are either starting out and purchased a shell company because it was cheaper than an IPO, or they simply do not have a business plan compelling enough to justify investment banker’s money for an IPO. This doesn’t make them a bad investment, but it should make you be realistic about the kind of company that you are investing in.

2. Trading VolumesLook for a consistent high volume of shares being traded. Looking at the average volume can be misleading. If ABC trades 1 million shares today, and doesn’t trade for the rest of the week, the daily average will appear to be 200 000 shares. In order to get in and out at an acceptable rate of return, you need consistent volume. Also look at the number of trades per day. Is it 1 insider selling or buying? Liquidity should be the first thing to look at. If there is no volume, you will end up holding “dead money”, where the only way of selling shares is to dump at the bid, which will put more selling pressure, resulting in an even lower sell price.

3. Does the company know how to make a profit?While its not unusual to see a start up company run at a loss, its important to look at why they are losing money. Is it manageable? Will they have to seek further financing (resulting in dilution of your shares) or will they have to seek a joint partnership that favors the other company?

If your company knows how to make a profit, the company can use that money to grow their business, which increases shareholder value. You have to do some research to find these companies, but when you do, you lower the risk of a loss of your capital, and increase the odds of a much higher return.

4. Have an entry and exit plan – and stick to it.Penny stocks are volitile. They will quickly move up, and move down just as quickly. Remember, if you buy a stock at $0.10 and sell it at $0.12, that represents a 20% return on your investment. A 2 cent decline leaves you with a 20% loss. Many stocks trade in this range on a daily basis. If your investment capital is $10 000, a 20% loss is a $2000 loss. Do this 5 times and you’re out of money. Keep your stops close. If you get stopped out, move on to the next opportunity. The market is telling you something, and whether you want to admit it or not, its usually best to listen.

If your plan was to sell at $0.12 and it jumps to $0.13, either take the 30% gain, or better still, place your stop at $0.12. Lock in your profits while not capping the upside potential.

5. How did you find out about the stock?Most people find out about penny stocks through a mailing list. There are many excellent penny stock newsletters, however, there are just as many who are pumping and dumping. They, along with insiders, will load up on shares, then begin to pump the company to unsuspecting newsletter subscribers. These subscribers buy while insiders are selling. Guess who wins here.

Not all newsletters are bad. Having worked in the industry for the last 8 years, I have seen my share of unscrupulous companies and promoters. Some are paid in shares, sometimes in restricted shares (an agreement whereby the shares cannot be sold for a predetermined period of time), others in cash.

How to spot the good companies from the bad? Simply subscribe, and track the investments. Was there a legitimate opportunity to make money? Do they have a track record of providing subscribers with great opportunities? You’ll start to notice quickly if you have subscribed to a good newsletter or not.

One other tip I would offer to you is not to invest more than 20% of your overall portfolio in penny stocks. You are investing to make money and preserve capital to fight another battle. If you put too much of your capital at risk, you increase the odds of losing your capital. If that 20% grows, you’ll have more than enough money to make a healthy rate of return. Penny stocks are risky to begin with, why put your money more at risk?

How to select a mutual fund

One of the most common ways of selecting a mutual fund is to invest with the crowd in today’s hot funds. Unfortunately, jumping from one winning fund to another is a recipe for disaster. The mutual funds that the crowd follows typically have had a hot recent performance and tend to gather all the new mutual fund sales.

Investors as a whole are primarily allocating their new investments to a small number of mutual funds and to a smaller number of mutual fund companies. Investors have invested over $400 billion in the 2843 different mutual funds, but one-third of those assets are invested in only 50 of those funds and one-half of those assets are invested in the largest 100 funds.

There are benefits to following the market leaders. Larger mutual fund companies and larger funds have the ability to reduce costs and attract the best professional money managers. However, the biggest limitation is that today’s better-selling mutual fund may not be tomorrow’s winner. This is true for any mutual fund but it seems to plague the best seller, and the one that garners the most attention, the most often.

So buying the equity fund that was yesterday’s best-seller isn’t a strategy that produces excellent returns. You do not have to go fully in the opposite direction and ignore these hot funds, but you should understand their limitations and strengths. They became best-selling funds because they have merit, but you have to access that merit within your own well-diversified portfolio, and not the crowd’s current investment trend.

What type of investor should I be?

Getting started in the business of investing is much easier than it used to be. So is improving your returns if you already invest. No longer is the field restricted to the wealthy or large financial institutions. More and more these days everyday people like moms, dads, students and even children are trying their hand at what used to be the exclusive playground of the rich.
However before delving into what is a very exciting and potentially financially rewarding world you should assess what type of investor you actually want to be. In the thirty years that I have been investing, I have seen people who haven't answered this question come and go and lately I've seen it happen with alarming frequency.
Think about it for a second. have you really thought about what you need to do to start creating wealth for you and your family? If not you need to seriously consider what type of investment style would be best for your position.
Types of investors
The buy and holders of the community put their money into shares that they feel are good value and hold them for expenses of anywhere between 1 and 50 years. This investment style is most suited to people who are long-term orientated by nature, not looking for a quick profit and have an eye for good companies. The most famous proponent of such an approach is the world's second richest man, Warren Buffet so you could say that it isn't such a bad style.
Day trading is the complete opposite of the buy and hold approach and involves individuals who buy and sell shares in a very short period generally within the same day. If you have a lot of time and are prepared to watch market movements very closely then this approach may be for you.
The next thing you need to look at is what sort of analysis you want to conduct on the shares that you are considering. Generally, there are two schools of thought, one being fundamental and the other technical. You will always find people pushing one or the other but it makes more sense to incorporate a blend both.
Fundamentalists tend to look at company profits, management direction, future plans/growth prospects, the economy as a whole and such like the company and economic factors.
While those with a mathematical or scientific background might look at share price charts employing various technical analysis techniques, ratios, indicators, and trends in order to identify which shares they want to look at further.
You should realize that relying wholly on one or the other is not the wisest thing to do. For example, a chart that has all the indications that a share is going to be a good choice for the future is useless if the company is going to file for bankruptcy. As I mentioned earlier a blend of the two should be considered.
When you are deciding what type of investor you want to be, one of the most important considerations is your risk threshold. In other words how much you are willing to loose. This again will have an impact on the investment style that you choose and will also have a relationship to the level of returns that you may be seeking.
Investors come in many forms and there is no right or wrong way. Different things work for different people. It is vital that you decide which method best suits you and that you stick to this method.