Author Archives: Neal Adams

gold bullions

Pros and Cons of a Gold IRA

A gold IRA can be described as an Individual Retirement Account that is self-directed where gold or other special metal are held for the account owner. The main difference between a self-directed IRA and a traditional IRA is the investment freedom degree offered.

If you have not yet decided when it comes to adding a gold IRA to your retirement portfolio, then this is the right place for you. Could it be that you are not sure of how to go about investing in gold IRA? You may consider Advantage Gold special deals. Let us look at some of the merits and demerits of a gold IRA.


Low Startup Cost

The Gold IRA initial startup cost is often low, especially if you opt to use any top companies. When you browse through the top 50 largest and most prominent names in the industry, you will, for sure, land on a company that will help you have a low startup cost.
The list will be of great help to you as it will make it easier for you to get a company that meets your retirement plans.

Reduce the Tax Burden

mouseProvided you never sell it, Gold IRA will always be a tax-efficient investment. It is among the best options in which you can ever own gold since, when sold, it will be taxed as a collectible, which will be at a rate of 28% in your taxable account. However, it will be taxed as a short-term gain at normal income levels of tax when it is held for one year.

Hedges against Inflation

The nest egg will always be at risk due to the fluctuating market and inflation. For some time, gold has now been used as a currency that makes it a haven of investment. Despite it being in your retirement portfolio, it will always reduce the risk of being affected by inflation.


No dividends Interest or Yields

Compared to money, there is no interest in gold. You can only get returns when the gold price increases.

Extra Fees

extra costYou will never be allowed to keep your gold for gold IRA back at home. There are many rules and regulations put by the IRS that you need to follow regarding the custodian and storage of metal investments.

The custodians are very reasonable when it comes to metals right from purchasing to shipping, transporting, and storage. It will imply that you will have to pay an annual storage and custodian fees.

Restrictions funding

Some rules prevent you from sending precious metals that you own to help in funding your gold IRA. You have to purchase them and send them to the IRA administrator.

It does not matter if the economy and the dollar are strong; the gold investment is very popular. The IRA backed gold does offer diversion in the retiree’s portfolios.

forex poster

How to identify a good forex broker

Forex traders cannot avoid forex brokers, and it is important to choose the right forex broker. There are many forex brokers on the online platform both beginners and the established ones. For new forex traders, the process of choosing forex brokers can be overwhelming. Every forex broker will make promises, but the reality dawns on you once you start trading with them. To avoid regrets in your forex trading experience, more information can be found here on choosing the right forex broker. Here are some of the tips that will help you in choosing a good forex broker.

Tips for choosing a good forex broker

Financial stable

A good forex broker should be financially stable. You can always check the financial stability ofmoney symbol the broker by checking how they handle the business. With a financially stable broker, you can be sure that they will be there for a long time. The worst thing that you can do is to give your forex deposits to a company that you are not sure about the future financial stability. A broker with good financial standing will give you confidence even when trading.

User-friendly trading platform

When looking for a forex broker, it is important to take time and make sure that they have a user-friendly platform. You need to remember that you will be using the platform when trading and you should be able to use the platform without any problems. Most of the brokers will give you a trial period so that you can be able to assess the performance of the platform. If you are comfortable with the platform, then you can go ahead and sign up with the broker.

Good customer service

Good customer service is important when choosing a forex broker. You need to choose a broker that can be able to attend to your needs when required. For instance, when looking for a forex broker, choose one that has instant online support. With good customer service, your questions will be answered when you need.

men's hands handshaking

Reasonable commissions

It is important to choose a forex broker that has reasonable commissions. You need to consider the commissions that you have to pay to the broker. A good broker should not be exploitive when it comes to a broker. Always look for a broker that is fair when it comes to taking commissions.

red car

Tips For Finding Cheap Car Insurance

The biggest mistake that most of the drivers make is to purchase the most expensive car insurance. We do not discourage getting the most expensive car insurance for your car. But it is also good to get the cheapest car. That is why we encourage you to get the cheap car insurance. It is important to know the different types of car insurance before making any insurance decision.

There are mman driving red carany ways that most of the car owners can decide to ensure that they find the best car insurance. Most of the people like saving. The best and only way to save is to decide on getting the cheap car insurance. The more expensive car insurance the more it will seem to be enticing. Below are some of the tips that will guide you to get the cheap car insurance for your car.


The very first thing you need to do when looking for the cheapest car insurance is to make a list of all the best and cheap car insurance that you know. Ensure that you compose a list that has local and national cheap car insurance companies. It is recommended that you have more national listings than local. This is because a national company will work for you anywhere you go in the country.

Insurance policy

Make sure that you conduct your research well for the insurance policy. It is advisable that you look for a car insurance policy before buying a car. Also, ensure that you get several quotes because they will help you to look at more insurance companies. You should do your research on the internet where you will end up getting some of the free insurance quotes.


Once car in a globeyou find the best and cheapest car insurance for your car, it is time for you to make your final decision. Experts recommend you to choose an insurance policy that has the highest deductibles. This is because an insurance with higher deductibles is paid lower monthly premiums. However, if you have found the best car insurance, it is good to bargain and set the price that you can afford. In the end, you will get the cheap car insurance for your car.

Also, it essential to consider your last driving habits. If they have changed, you can talk with your insurance agents about your rates.

increased point

Forex trading platforms and their characteristics – A small guide

If you intend to use a certain Forex platform for your currency trade activities, you must first familiarize yourself with the main characteristics and features of Forex platforms and understand how they operate, in general.

Valuable trade

sack of moneySince the Forex market is a highly decentralized system, it does not require the often mandatory presence of unreliable and, usually quite annoying, third-party trading options. As a direct result, you will be allowed to directly trade with a certain second party on a self-valued commodity. What this means, is that a Forex trading platform will give you a plethora of opportunities to make significant amounts of money, by selling and buying more money. Since you are going to be trading in currencies, you can be sure that you will always be in a position to sell it when you have the need, and that you will get in return the current conversion price and rate.

Helpful tools and applications

These days, Forex trading is done almost exclusively online. This presents a great opportunity to use programs, software and other tools, that will greatly help you in gathering important market information and data, which is based on your trading needs and requirements. These applications and tools, more commonly known as Forex platform trading systems, can be a highly potent tool for money making if used properly and efficiently. However, you need to make sure that the platform does not make the critical decisions for you. It is a common mistake, which many inexperienced Forex traders tend to make, and which can lead to substantial losses. Therefore, if you want to get the maximum out of a Forex trading platform, you will need to understand its exact functionalities and limitations.


Now, the first question you might ask yourself is, “Can I trust this software?”. The answer depends on your experience and skill when it comes to operating in the Forex market. If you are a rookie, you should definitely use one of many Forex platform applications, that can slowly guide you through all the features and functions the platform provides. Remember that you are only supposed to learn and not let the application do the entire work for you. Over time, you will start learning more and more about the platform and how to use it. During that period, the application will help you by presenting you with all the critical information on every single move you make.

On the other hand, if you are an experienced platform user, Forex platform applications will help you by providing insightful suggestions, from time to time. Thanks to its high level of customizability, you can calibrate the application to meet your specific needs. In any case, the most important thing you should know is that this application will only help you to stay afloat. The profit-making decisions and activities are solely up to you. This is why you should not let the application do everything in your stead.

How does it work?

growing graphicThe first generation of these applications was only capable of storing and showing the necessary records. The second generation saw substantial improvements and was able to learn simple moves, by searching the market for similar parameters. The latest generation relies on an advanced AI, that cannot only search for the data and extrapolate it, but also memorize a vast amount of complex market parameters, in order to initiate more complex, human-specific decisions.

However, like any AI out there, this one also has certain flaws. That is why you should never allow it to make critical decisions. Instead, it should only provide accurate and real-time suggestions.

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Ways on how to grow your investment when trading online

Stocks diving in a minute’s notice

Some of the time, with no notice at all, financial aspects of overall scale end up in a drop. The land is at an untouched low, while loan fees in stock markets are at an unequaled high. These are noteworthy issues – the harsh circumstances. When difficult situations arise, tidy up and take the attempted and tried street: run with monetary contributing and grow your money with trading monetary standards.

Forex trading

One of the upsides of putting resources into Forex trading is that you can exchange online, because of the virtuoso that is the Internet. At the solaces of your own home, while drinking your most some espresso in your own space, the influence of profiting is simply at your fingertips. Also, the best part is, you can do this while watching your children play in the front room. If you need to take extravagance in budgetary contributing above and beyond, you can even profit while you’re resting.

city crowdThis sort of accommodation in budgetary contributing is made conceivable by the improvement of the computerized trading bot, great programming intended to exchange for your benefit. Yes, it does the trading for you so you can go to different things, things that need your consideration immediately. This implies not with standing when you’re at a meeting, at work, grabbing your children, or out on the town with your mate, you won’t need to miss any chance to make a decent exchange.


Simply don’t make it a propensity to depend on your business such a great amount to any other person, or recommended source. Keep in mind that you are at last in charge of the ascent and fall of your business. The computerized trading bot is only a device which can prove to be useful when need managers, however not as an entire substitute for you and you’re trading aptitudes and instinct.

There are numerous commercials guaranteeing that trading monetary forms are simple;

this is baloney

green moneyTo be effective in anything, you should be resolved and solid, willing to change strategies if fundamental, and must be anxious to learn with a specific end goal to move forward. You should be set up to pay the value that achievement in money related contributing requests. In Forex trading, it implies practicing alert in putting resources into the correct cash and comprehension the dangers you’re making. With practice, you’re certain to grow your money with trading monetary forms.

money and keyboard

Effect Of President Trump On Interest Rates

President Donald Trump has said since the election that spending on infrastructure and cutting taxes would be one of his first priorities. During his term as the president, the shorter term prospects for the market for housing will be good. After the election, the interest rate on mortgage increased which climbed to above four percentage. It has led to the increased on potential borrowers and borrowers at large. Currently, the housing is less affordable than it was before Donald Trump won the election. The average price of a home is about sixteen thousand four hundred dollars as per post-election interest rate pump making it more expensive for the buyer than it was before the election.


Affording a home

coinsAn individual can provide a home since its affordability is at its lowest point since June 2010. To buy a median home, the people seeking loans must be able to pay sixty dollars including a tax on a monthly basis. For the borrowers putting 3.5 percent down on their homes, the amount charged increases to seventy-two dollars per month.

To purchase a median home which is priced nationwide, 21.6 percentage of the median income is required and is rated low by historical standards. In June 2010, the interest rate were 4.75%, and the price of a home was about twenty percentage lower than they are currently. Home sales from moving forward are inhibited by the interest rate increase.

Potential refinance candidate

Over the last few weeks after the elections, the number of potential refinance candidates reduced by more than fifty percent. The borrowers who were estimated to be around 4.3 million were eliminated from the pool of candidates of potential refinancers. In the process, four million borrowers remained in the total financeable population. Currently, on a monthly basis, one billion dollars is left in potential savings which are less than half the amount that the borrowers could have saved in a month if they refinanced before the election was conducted.

Treasury bond sell-off

character holding bundle of moneyDonald Trump being elected the President triggered a Treasury bond selloff which led to a corresponding increase in both ten-year treasury and thirty-year mortgage interest rates. The population of financeable borrowers reduced by more than half as the mortgage rates rose to forty-nine basis points after the election was conducted. The refinance on the share of the market is reduced by the higher interest rates.