Trading Precious Metals from Home

Retired investors interested in fixed asset investments will love the rewarding experience of trading precious metals from home. Investors seeking the opportunity to buy gold bullion or buy silver bullion will find that the online trading environment is optimum for purchasing precious metals.

The Investment Potential in Precious Metals Assets

Traditional rationale for investing in gold or silver has always been that precious metals provide a safe haven. The most traded fixed asset, precious metals have been important to both domestic and foreign investment in the past several years. When markets are volatile due to the economy or government policy decision, safe haven assets buffer a portfolio from exposure and fluctuations in currency value.

Diversification in precious metals investments can now be found in the online trading environment. Competition has promoted the establishment of a number of reputable, online exchanges trading both safe haven fixed assets, securities, and secondary market contracts Investors buy and sell precious metals via digital exchange. Physical gold and certificates are vital financial instruments that retain value long-term. Gold prices dictate the precious metals trade. Calculation of silver price to gold has much to do with global demand for physical silver bullion. 

Buying and Selling Gold and Silver Bullion

The demand for physical silver internationally has also advanced recently in response to its use in manufacturing. The lower price than gold has also made silver a favorite safe haven investment in emerging markets, where at least part of investor liquidity is invested in precious metals. Although precious metals prices are expected in drop in the near term, continued demand in China and India in 2014, makes silver a viable investment choice. It is a great time to buy safe haven investments, and it can be done online.

Storage is a consideration when investing in physical gold. When trading precious metals online, research criteria to purchase of gold or silver bullion or coins. Reputable online traders will be expert numismatists, and licensed dealers of precious metals bullion and other physical assets such as coins. The best part about physical precious metals is that they are not subject to capital gains tax by the Internal Revenue Service. This presents a good reason to transfer other more risky investments to precious metals assets. 

The Primary and Secondary Precious Metals Markets

Securitized exchange traded funds (ETFs) and exchange traded commodities (ETC) offer investors another version of precious metals asset. Widely traded across global exchanges online, ETF and ETC valuation is only partly affected by the price of physical gold. More responsive to upward swings in market activity, secondary market funds are set to outperform physical precious metals in the near future. This offers investors an opportunity to transfer safe haven assets to higher earning ETFs and ETCs. Shares and investment funds established by mining corporations are another form of precious metals asset. 

Trading Precious Metals Assets Online

A licensed financial advisor specializing in precious metals trading can provide more information about gold and silver investment. Gold and silver have traditionally been long-term return assets, yet the expansion of the ETF and ETC market, as well as the securitization of mining has created new investment opportunities in precious metals. Online trading platforms offer a range of asset listings, volume of assets available for trade, and tools for analysis of markets, price changes and up-to-the-minute tips for making the right precious metals investment decision.

Retired investors can substantially improve their retirement investment portfolio with precious metals assets. Digital trading environments offering retired investors real time reporting of global precious metals markets, research, tools and trade exchange are one of the fastest growing segments in the financial sector. If you are an investor looking to buy gold bullion or buy silver bullion, you can now buy gold online and buy silver online. Invest in precious metals safe haven physical assets, or secondary market exchange to add stability and growth to your retirement income.

Protecting Your Income After an Accident

Protecting your income after an accident should be one of your top priorities aside from getting better. If you were deemed at fault for the accident, you could be paying for your own injuries as well as the injuries suffered by others. If you are not at fault for the accident, you could still see your finances jeopardized due to lost wages and a settlement payment that may not arrive for months or years after the accident. 

Settle the Case as Soon as Possible

It is in your best interest to settle the case as soon as possible. While you don't want to take a deal that isn't to your benefit, you want to find a personal injury lawyer who can help you get your case settled within weeks or months.

Until your case is settled, you should talk to your creditors about alternate payment arrangements that may be available to you. It may be possible to defer or push back payments until your case has been settled. A debt settlement may also be a possibility to help you pay your bills without draining your savings account completely.

Keep in mind that if you settle your case, you can keep most or all of that money without having to pay taxes on it. Although you should consult a tax attorney or an accountant before determining how to treat any award you receive, it is good to know that you can be made whole without having to worry about the government making things even harder on you.

Make Your Insurance Company Pay Everything That it is Obligated to Pay

Your insurance company should be forced to pay everything that it is obligated to pay under your policy. However, you should be aware that your insurance company is going to take steps to pay as little as possible. The insurance company may try to claim that you were acting recklessly or in bad faith when the accident occurs.

Those who live in a state that has no fault laws, you will be going after your own insurance company for compensation whether you were at fault for the accident or not. If you were hurt at work, the insurance company representing your employer may attempt to stonewall as well. This is where workers compensation lawyers can help you get everything that you are entitled to.

Have an Asset Protection Plan Before an Accident Occurs

It is said that the best offense is a good defense. In an accident case, having an asset protection plan can overcome what even the best workers compensation lawyers or other attorneys can throw at you.

If you are at fault for an accident and don't have sufficient insurance, having your property or cash in the hands of a trust or a LLC could keep a victim from getting too much of your personal property.

However, be aware that some or all of your protected property could still be liquidated or handed over to anyone who is suing you related to injuries suffered in an accident that you caused. Your lawyer will most likely try to shield your assets in a settlement in exchange for some other form of compensation.

If you are the victim of a car crash or a slip and fall accident, you have the right to have your case heard without worrying about losing everything before the case is settled. Those who cause accidents can settle their cases in an equitable manner without having to live in poverty if they carefully plan for it. The key is to work with your personal injury lawyer and other legal counsel to determine the best course of action in your particular case. 

Can You Get a Car Loan If You Are Retired?

If you're a retiree and are wondering if you can borrow money for a car, this helpful guide will answer your questions. Though retirees are no longer working, you could have a leg up when choosing the right car loan.

Retirees own more assets and have less debt

Retirees are people that have worked all their life. They usually have high equity a home, or have completely paid off a mortgage. Having collateral like this means retirees can qualify for a loan and in some cases, lower interest rates.

A good credit history

Having a good credit history also increases your chances of not only securing a loan, but getting one at a lower interest rate. It makes sense to check your credit history to fix any mistakes.

Income beyond work

A lender usually asks prospective borrowers for their proof of income. This really means proof you have a stable job. Many retirees have alternative forms of income. They tend to have significant savings and/or superannuation packages. Some retirees have stock or property portfolios that provide a part of their income. This proves they have the funds necessary to pay back a loan.

Age can be a factor

Typically, five-year loan terms aren't a problem for financial institutions lending to retirees. They may offer 36 to 24 month loan terms if age is a factor. If you have significant savings, you can opt to put a larger deposit on the car, which reduces your monthly repayments further.

Find out what's right for you

Remember; it pays to find out what's out there. Don't apply for too many loans, as it will reflect negatively on your credit history. Consult a financial professional to help choose the most manageable and affordable car loan for you.

Seven Easy Schemes to Clear Off Debt from Credit Cards

Credit card debt, this is one of the main problems that common people face concerning their finances. Having credit cards are tempting, these can make you spend more than what you actually earn. Excessive use can lead to more bills to pay with crippling interest rates and finance charges; making impossible for others to get out of debt. There is no automatic remedy for credit card debt but there are few steps to take in order to become debt free.

All you need is planning and budgeting, sooner you’ll find yourself getting out of credit card debts even faster than you can imagine. Study these seven steps to be able to pay your credit card bills sooner.

1) Make a list

List down all your credit cards, outstanding balances, interest’s rates, and required minimum payments. Do this so that you can easily track down your total debt.

2) Arrange from highest to lowest

The bill with the highest interest rate must be at the top, and so on, making the lowest at the bottom.

3) Calculate the total amount

Compute for the total amount of minimum payments billed for each card. So you will know how much monthly budget you’ll need for credit card payment amortizations.

4) Set a priority payment

Although there is a minimum amount being set for minimum payment, you must still desire to pay debts faster. In order to clear debts quickly, add extra payments for each credit card due.

5) Pay off one at a time

Clear off one credit card bill faster. Begin from the number 1 on your list because higher interest rates will cost more bill amount. This means, pay more than the minimum amount if you have extra cash.

6) Create a payment pattern

Continue doing this process up until the first credit card debt is paid off. Once it’s cleared continue with the second card but follow whatever amount you paid with the first one.

7) Repeat steps 1-6 until all your credit card debt have been paid off

It is important to understand how minimum payments work. When your total bill decreases, your minimum payment also decreases. That is why; it would take many years before you can actually clear off your debts if you will just stick to paying the minimum amount. So, the secret is to always increase your payment. Make it double or triple the amount. Just ignore the required minimum amount, stick to your plan. In less than a few months, you will notice that you finish paying credit card debts one at a time. Although this process will take time, be patient enough because it might take months or years before you can say you’re debt free. If you want to speed up the process, you can pay all of your debts whenever you have much money. You can also avail of balance transfers. These usually have smaller interest rates.

While credit cards exist, debt also exists. If you will only exercise self-control and practice paying debts on time, you may not go wrong in using your credit cards and not be worried of debts anymore.

Claire Reed is a finance writer for https://www.Loansforbad-credit.co. Claire Reedif is always online. If you have any questions, please, let him know!

Easy Tips For Simple Money Management

The process of managing money, including investments, budgeting, banking, and taxes. Also called investment management. So let's turn to the 21st century's primary source of information: Google. And that's when it gets a bit hairy. This is how a prominent website defines 'money management': Money doesn't buy happiness. 

It's not more important than your family, your friends or your health. But let's not kid ourselves - financial security gives you the freedom to make the choices that are right for you, and freedom can be the key to happiness. We'd all like to improve our money management skills, and the first step toward getting better at something is understanding it. 

Money management is a broad topic with a lot of different facets, so it's not surprising that Google pulls up some confusing results. But definitions of money management that get bogged down in the details miss an important point: the secret to good money management is simple. Price action just need commitment and organisation. But it isn't anywhere near as scary as it can sound. 

Analaura & Wilson Luna are Authors, Licensed Financial Planners and Founders of Your Family Your Money - a financial literacy resource hub designed to help families with Money Management. By being conscious of what you do with your money, you can use the principles of money management to build wealth and take control of your future. And hey - Google isn't always scary. After all, if you ask it to, it will bring you here. 

You're probably not feeling very inspired right now. In fact, if you're like most people, reading that has probably got you thinking that 'money management' is something best left to the professionals - people who know something about money. But what you may not have realized is that, when it comes to your money, the person who knows the most about it is you. 

Let's be clear: money management is a big topic, and there are lots of books, articles and advice that will help you deal with the specific issues you'll face as you work toward financial freedom. If you find out what they are and learn how to use them to make money management a part of your daily routine, you'll be able to make the best use of your resources and create a lifestyle for yourself that's a lot less stressful, with a lot more options for Money Management. 

This terminology can be a bit intimidating but the thing to remember is that these are just names for the tools that will help you sort out how much money you have, where it's going and how you can generate more of it. You know how much money you make and how much you spend - after all, you're the one spending it! Whether you're investing in the stock market or buying a sandwich, you make money management decisions every day of your life, and if you don't like the results you're getting all you need to do is change your habits. 

Like any subject, financial advice comes with its own language, so you've probably heard words like 'budget' and 'statement of net worth'. So what exactly do you do? Well, as we said, money management is a big topic and the learning process is going to be a lot easier if you take it one bit at a time. You can browse our list of articles for specific topics and you can check out our online store for comprehensive guides on how to create strong financial foundations for your family.

Ideas to Keep You Busy After Retirement

Millions of baby boomers are either retiring or reaching retirement age. The majority of them will not be satisfied with simply mowing the lawn or sitting on the front porch. The fact is 74% of these retirees plan to start a second career. Age is not a factor; many individuals in their sixties, seventies, and eighties have started successful second careers. Retires fall into two categories, those that are financially comfortable, and those that have to work to supplement their retirement.

Charity Volunteers

Nonprofit organizations are almost always looking for support, often in the form of volunteers who are willing to put a few hours in to help. Support children's literacy, the arts and sciences, or apply your skills to helping with the recycling efforts in your community. Select an organization that corresponds with your unique interests and passions. Use the skills you’ve developed during the past decades, or branch out and use your time to explore dreams you never had the chance to investigate.

Become a Life-Cycle Celebrant

Thinking of starting a business? Then you may want to consider becoming a life-cycle celebrant. Use your time, your talents, and your experience to help other people document the significant events in their lives. Help craft scrapbooks (virtual or actual) that highlight these occasions: births, weddings, travel, and memoires that reflect the special events in your clients’ lives. Create digital albums, or record experiences in writing. Life-Cycle documentation is an interesting and potentially lucrative new trend.

An Online Business

Setting up an ecommerce website for your Life-Cycle Celebrant, or another online business, requires some time and effort - but the payoff is well worth the effort. If you love crafting, selling antiques, or want to develop a business from a hobby, an ecommerce site may be the perfect solution. As with any business, there are many important factors to consider. An ecommerce site usually requires an SSL certificate. Find out how SSL certificates work and learn about other great tools to help build your ecommerce site. Where can I buy SSL certificates? From Thawte!

Renew your Education

Retirement opens many new doors. This could be the perfect time to return to school. You could finish your Masters at a local college; learn a skill online, volunteer in a neighborhood school, or tutor youth and adults in your community. Don’t rule out learning a new language. Language acquisition is one of the best ways to ward of Alzheimer’s.

Mentor Others

Your retirement years are the perfect time to give back. When you mentor, you are able to volunteer or capitalize on the skills that you have spent a lifetime honing. Many executive consultants and coaches charge anywhere from $150 - $500 USD/hour. An additional bonus is that you can work according to your own schedule, giving you time to spend with your family and travel.

“The limit is not in the sky. The limit is in the mind.” - Cv Pillay

There are countless ideas to keep you busy when you retire: plant a garden, learn to play an instrument, write a book, cook, or sail. You’re the only one who can decide of what is right for you. Chances are you’ve spent most of your life meeting the needs of others. Now is the perfect time to enjoy the rewards and to reap what you have sown!