Silver and Precious Metals

Typically, when you think of investing, you first think of the stock market. Stocks and bonds have always been one of the most popular forms of investment, and the ones you hear about the most from the mainstream media.

That is until lately.

Even the mainstream media has grudgingly admitted that investing in gold, silver, and precious metals have outperformed stocks and bonds repeatedly over the last several years. Things are changing.

Silver and precious metals have become very strong investments. Gold is the darling right now, as it has been the “star” for centuries. With the attention on gold, its value has increased sharply and is now at a point where buying physical gold for the middle class is all but out of reach.

This is not the case for investing in silver and precious metals
Investing in silver is still an easy thing to do, even for the small investor. Investing in silver has all of the upsides that investing in gold has. It is a good hedge against inflation; it is easily liquidated when you need to do so. It is a finite resource that must be mined, and cannot just be “printed” as paper money has been and so it cannot be artificially devalued by bankers or governments at a whim. It is necessary for industry and electronics, giving it great industrial value.

When deciding where to put your money; you need to place it side by side with other investments. How have these investments performed over time? Stocks and bonds have had their ups and downs, but as of late have not performed well. Over this same period, gold and precious metals, specifically silver, have shown strong gains. Silver alone, over the past couple of years, has enjoyed a 300% increase in value, which has even outperformed gold.

Silver and precious metals: the ”regular guy’s investment!
The fact that the average person is still able to pull money out of his wallet and buy an ounce or two or three of silver, makes silver a very attractive investment. With the dollar remaining weak, and confidence in the stock market remaining low, silver shows no sign of losing its momentum.

So how do you begin to invest in silver?
It is very easy. In your area, there are many places you can go to buy silver. Pawn shops, coin shops, and jewelers that advertise that they buy and sell gold and precious metals, all would have physical silver for sale. Silver ingots (small silver bars) are possibly the best value. Silver coins are available, but coins often command a higher premium (dealer markup) than do ingots, as they have more workmanship involved in their production. Many times you can also find silver for sale at gun shows, flea markets, etc.

Before setting out to buy silver, take a look at that day’s spot price. The spot price is the term for the amount that silver sold for that day on the commodities market. Use this price to know if you are getting a good deal. Expect to pay a bit more than the spot price, but it should be a reasonable amount. When looking at the silver bar you are considering, know that it should show a mark on it indicating that it is .999 (99.9% pure silver) this lets you know it is as pure as it gets.

Turning a portion of your savings into physical silver is a fantastic way to help manage your money. Silver and precious metal investments should be considered long-term investments, though some of the big traders do day trade just as they do with stocks. My advice is to buy a bit at a time and stash it in a safe place. Then you can periodically check the spot price, and know how you are doing.

That’s the fun part.
The other fun part, as opposed to the stock market, is that you can hold your silver, feel it’s weight, and know that the weight you feel is real value and not just numbers on a piece of paper that seems to go down daily. Silver and precious metals are REAL money, not just numbers on a piece of paper.

Interested in Investing in Gold and Precious Metals

Metal bullion, in its basic form, is just whatever precious metal, in an easily handled bulk form. This bullion can also be stamped, carved, and otherwise adorned to make it more artistically appealing, but the important part is its verifiable weight. Precious metals like gold and silver, can be turned into ingots, bars, or coins for ease of trading. Many people who are looking at investing in precious metals begin by acquiring some small gold bars or ingots, eventually acquiring a large collection for a long-term investment.

For many investors that prefer to invest in coins, the gold coins from Vienna, South Africa, Canada, and the United States are quite popular. This is because of their beauty, the ease of transportation, their easily verifiable value as well as how easy they are to acquire. They are, however, quite expensive compared to gold ingots. Coins trade at a price well above that of raw metal. As with all precious metals, you get no return from them as you hold them: there are no “dividends” or interest payments. The money you make is the difference between what you originally paid, compared with the value you receive for it when you finally sell, much like real estate.

Quality is something you must consider when buying gold or precious metals.

This is especially true when investing in coins. Coins are graded depending on how perfect and pristine they are. Any sort of defect can affect the value of the coin dramatically. You must either be well versed in the coin grading systems or have a professional help you to get the best and safest value for your money.

Some people look at jewelry and wonder if it can be looked at as a precious metals investment. Jewelry, however, is valued for the workmanship that went into its making, and its sentimental and artistic value. This is similar, in a way to gold coins, and a reason why gold coins are far out value their per-ounce value. Jewelry usually does not appreciate at the same rate as bullion, unless melted down at some point.

Some people choose to “get into” gold and precious metals by investing in the stocks of precious metals mining companies. The stock prices for these companies, and their profits, tend to rise when the bullion prices for their mined products increase. This is one area where you can see a return, as you can receive dividends. However, since you are dealing with a presently-volatile stock market, and so you lose the “insurance policy” factor that investing in gold and precious metals provides.

You should certainly start small when learning how to buy gold bars and precious metals.

Many people even begin their search by looking at eBay! When you get an idea of what you are looking for, I recommend that you ally yourself with a reputable company that can walk you through the learning process. This sort of company is ultimately a customer service company, as they know they make far more money by serving their customers well and having them return over and over again. to purchase gold and precious metals.

How to Buy Gold and Precious Metals

The price of gold continues to increase as more and more people see it as the only investment making money right now, and precious metals of all sorts are riding gold’s wave of investor interest. There are many companies out there that are competing for investors’ interest. For the person just beginning to consider moving some of their investments into gold and precious metals, there are things you ought to consider before making a choice.

National and worldwide political and economic events all impact the price of gold. During stable times when unemployment is low, the stock market is up, and your Government’s current administration is enjoying high popularity figures in the polls, the price of gold usually stays stable. Gold may trend down as people move some money away from a stable investment to one (a growing stock market) that might make them a higher return. However, when instability rules the day, demand for gold and precious metals increases, and prices start to rise.

Why invest in gold and precious metals?

People may decide to invest in gold for many different reasons. Some may see investing in gold as insurance for their savings. They view it as a hedge against the loss of buying power for their paper currency, and a way to continue to build wealth even in hard times. Others may simply be investing wherever they see they can make money and might sell off as soon as the next big thing comes along.

It is very easy to begin investing in gold and precious metals.

You can search for companies that trade in precious metals, and see what they have to offer. As with all industries, dealers provide a wide variety of products and services. You can make an online gold buy as well but that is a different conversation. Once you find a company you might like to deal with, contact them for a quote. These companies often act as middlemen, and will then contact one of their clients that have shown a desire to sell their gold, and they will see what their seller is asking for their holdings. After they get this figure, they add their transaction fee, called a “Premium”, which is how your “middle-men” make their money. When you as the buyer, agree to the quoted price, your company will lock in the price, and proceed with the transaction. You can often choose several different ways to do business with your company of choice: Online, by e-mail, via the phone, or even in person. Many times you will find yourself using a combination of these methods of contact as you progress through your purchase.

Be certain to check the reputation of any company before deciding which to use. A reputable company will be happy to provide you with a list of references, and it is easy to do online checks to see how many times a company has been in the news, both for good and bad. A company that has run afoul of its local or national government might at best tie your money up at an inopportune time, and at worst, your funds might be at risk.

After deciding on a company, you need to decide how much money you wish to invest in gold and precious metals. You can start very low, say in silver coins, or small-weight gold coins. You may pay a higher premium than you might with a big purchase, but is usually not a problem. As the amount of gold and precious metals you purchase goes up, storage may present a problem.

The Weather Sleuths Behind Residential Or Commercial Property Insurance Coverage Claims

The common procedure of making a home insurance coverage claim goes something like this: your residential or commercial property is harmed, you call your insurance coverage service provider, they send a claims adjuster to take a look at the damage, and you make money to fix or change your harmed residential or commercial property according to the regards to your insurance plan.

If your home damage is weather-related and there’s some unpredictability in the matter, a forensic meteorologist may get in the situation.

A tree branch falls on your roofing while you’re on the trip. Since of a bad storm that occurred – however you (and your insurance coverage service provider) think that the next-door neighbor’s haphazard cutting was to blame, the next-door neighbor states it was. A weather sleuth may be placed on the case.

And since the most significant pattern in weather in current years has actually been increasing strength of occasions, the need for forensic meteorology is growing.

How Forensic Meteorologists Help In Reducing Insurance Coverage Scams

Residential or commercial property insurance coverage claims are both the most typical, and the priciest insurance providers need to manage. That’s the very first piece of the puzzle. Think about the boost in severe weather and the increase in current years of billion-dollar weather occasions.

Now think about that deceptive claims represent about 10 percent of the property-casualty insurance coverage market’s losses each year.

Suddenly, the weather is triggering more home damage than ever and is for that reason, costing insurer more loan than ever. And, as expenses in general increase, it stands to factor that the expenses from deceitful claims are increasing– even if scams overall stays a fairly little part of expenses.

The easiest method to decrease expenses even as weather damage boosts is to reduce the number of deceptive claims insurance coverage business pay by doing much better to smell out scams.

To respond to that concern from the start of this area: insurance coverage suppliers are significantly employing forensic meteorologists to examine weather-related home insurance coverage declares as part of their general cost-control steps.

Utilizing these weather sleuths, simply put, is one method insurer can guarantee that they’re just paying on genuine home insurance coverage claims. This, in turn, indicates they can keep a cover on premiums that house owners need to pay.

Secure Your House from Weather with Insurance Coverage & Diligence

Safeguarding your house from severe weather is a two-part task: physically prepare as best you can for bad weather (by making certain your roofing system can manage strong typhoon winds, for instance) and purchasing the insurance coverage that will compensate you if your house is harmed by a severe weather occasion.

This is where it is necessary to understand which catastrophes are covered by which insurance plan.

Inspect your flood threat as a beginning point if you’re not sure which kinds of protection you’re most likely to require. Or you can connect to your house owner’s insurance coverage representative and request their suggestions.

In any area, there are a couple of sensible actions you can require to prepare your residential or commercial property for serious weather:

  • Keep your trees cut and far from your windows and roofing.
  • If you’re in a high-wind location), make sure your roofing is in great repair work and durable enough for high winds.
  • Include a lightning arrester to decrease the possibility that your home will be struck.
  • When not in usage, protect or save any outside furnishings. Strong wind can turn it into projectiles!
  • Keep your bikes and automobiles protected in the garage or under the carport.
  • For Auto insurance Spokane see Dave Christy Insurance

Insurance For your Trip to Disney

Walt Disney World Resort is definitely the most popular holiday resort in the world. The Walt Disney World Resort has four theme park attractions. The Magic Kingdom is actually the largest and houses the well-known Cinderella Castle. The Epcot theme park offers the Spaceship Earth, the Disney’s Hollywood Studios offers the Sorcerer’s Hat whilst the Disney’s Animal Kingdom theme park is actually where the Tree of Life is seen. To access the attractions, you will need separate Disney World tickets. Nevertheless, you’ll find combination Disney tickets that offer you access to all four theme park attractions. All these Disney tickets tend to be a lot cheaper than purchasing the individual Disney World tickets. You could additionally save on Disney ticket by simply purchasing as a party or perhaps by settling beforehand. The Disney World tickets may be acquired through internet distributors and also at the resort gate.

Provided inside the four theme park attractions are two water parks specifically Typhoon Lagoon as well as Blizzard Beach. Some other things include The Downtown Disney, Disney’s BoardWalk, Disney’s Wedding Pavilion, and the Walt Disney World Speedway. Access to such sites is included in the Disney World tickets.

Golf Courses

In the premises of the Walt Disney World is actually four 18 hole golf courses, including the Palm, the Magnolia, Lake Buena Vista and also Osprey Ridge. The courses are all four-star and above in ranking. There is additionally another nine-hole course named Oak Trail and is chiefly targeted at hobbyists.

Site visitors

As a whole, the attractions sold a total of around fifty million Disney World tickets in 2007. The Magic Kingdom, the main park in the location acquired in excess of 17 million site visitors. This was more than any holiday resort on earth. Epcot Theme Park marketed around 10.9 million Disney tickets plus was rated the sixth most visited holiday resort, Disney Hollywood Studios had nearly ten million visitors and was ranked the 7th, and Disney Animal Kingdom distributed around ten million Disney tickets and was ranked the eighth most popular location in 2007.

Holiday resort Proportions

The vacation resort is also situated on the largest holiday resort space in the world. The resort land space is 30,080 acres or 121.7 km2. The location is roughly 2 times the dimensions of Manhattan. It is to be found 21 miles southwest of the center of Orlando, Florida. The location includes 2 urban areas, Lake Buena Vista town and Bay Lake town inside its property.

Facilities and Staff

The location boasts more than 5000 engineers, painters, landscaping experts and also additional servicing team that oversee the maintenance, repair and improvement of the resort. The resort usually spends more than $100 million within this support exercise every 12 months. Aside from upkeep, the vacation resort has a further 66,000 personnel in each different segment. The employment expenses for the holiday resort is more than $1.2 billion.

Lodging and Restaurants

You can find 33 accommodation hotels located within the area of the vacation resort, 24 of which are owned and operated by Disneyland. Rooms, along with the Disney World tickets can easily reserved and also paid through nearly all travel agencies. The park features the Disney Animal Kingdom Lodge, the Disney Beach Club Resort, the Disney Board Walk Inn, the Disney Contemporary Resort, the Disney Grand Floridian Resort & Spa as well as the Disney Yacht Club Resort. The vacation resort also features a huge variety of other fun products and outlets. There are all sorts of dining places that serve menus from across the planet. There are furthermore a big variety of bars, equipment stores, automobile hire dealers and connection bureaus.


There’s a totally free courtesy bus which offers travel to the vacation resort from Orlando International airport. The travel service is referred to as Disney’s Magical Express. You are able to purchase Disneyland tickets on the tour bus. There are additionally Disney World tickets stands in the airport terminal.

Aside from the courtesy bus, you are able to in addition gain access to the resort by means of taxi boats or by means of the Walt Disney World Monorail System.