There are many different ways to invest your money and improve your financial well being. Modern technology has made access to investment tools easier than ever no matter if it’s your bank or money market account the ability to engage with your investment activity and funds is easier than ever. However, investing is a broad term that can mean a lot of different things to a lot of different people.
When you talk about an investment it can be a money market account, high-interest savings, an IRA, real estate, and more. For many people investing in real estate remains a long-standing and popular way to invest your funds and turn a profit. An advantage real estate has over other methods of investment is its a real tangible object that is in a physical location making it something easier to conceptualize and personally manage.
Real estate is also flexible and can be something as simple as an apartment complex to high-end real estate in Monaco. As a financial investment real estate requires careful research before you buy any piece of property to see if it fits your investment profile. Here are some general advantages real estate offers as an investment and advice to see if real estate investing is right for you.
The Strengths Of Real Estate Investment
Ways To Invest In Real Estate
Real estate is a far more versatile investment than you may first assume. While rental properties are the first thing that comes to mind when you think of making money off of real estate there are several ways to make use of it as an investment opportunity.
As the above information shows real estate investment is a sound strategy that should be a part of your investment strategy. It is a flexible investment that offers many ways to use your money and if traditional rental property management doesn’t fit your goals there are several other options to consider. With proper research, your real estate investments can turn a stable predictable profit for many years.
Original – NuWire
Is silver a good investment? Why should someone buy it?
It’s natural and even prudent for an investor to wonder if a particular asset is a good investment or not. That’s especially true for silver, since it’s such a small market and doesn’t carry the same gravitas as gold.
But at this point in history, there are compelling reasons to add physical silver to your investment portfolio (and only one is because the price will rise). Here the top 10 reasons why every investor should buy some silver bullion…
Silver may not be part of our currency, but it is still money. In fact, silver, along with gold, is the ultimate form of money, because it can’t be created out of thin air (and thus depreciated) like paper or digital forms. And by real money, we do mean physical silver—not ETFs or certificates or futures contracts. Those are paper investments, which don’t carry the same benefits you’ll find in this report.
Physical silver is a store of value, just like gold. Here’s why.
• No counterparty risk. If you hold physical silver, you don’t need another party to make good on a contract or promise. This is not the case with stocks or bonds or virtually any other investment.
• Never been defaulted on. If you own physical silver, you have no default risk. Not so for almost any other investment you make.
• Long-term use as money. A scan of monetary history shows that silver has been used in coinage more often than gold!
As Mike Maloney says in his best-seller, Guide to Investing in Gold and Silver, “Gold and silver have revalued themselves throughout the centuries and called on fiat paper to account for itself.”
Owning some physical silver provides you with a real asset that has served as money for literally thousands of years.
Of all the investments you own, how many can you hold in your hand?
In a world of paper profits, digital trading, and currency creation, physical silver stands in contrast as one of few assets that you can carry in your pocket anywhere you go, even another country. And it can be as private and confidential as you want. Physical silver is also a tangible hedge against all forms of hacking and cybercrime. There’s no “erasing” a silver Eagle coin, for example, but that can certainly happen to a digital asset:
What if I said you could buy a hard asset at 1/70th the price of gold—and it would protect you just as well against crisis?
That’s what you get with silver! It is much more affordable for the average investor, and yet as a precious metal will help maintain your standard of living as good as gold. If you can’t afford to buy a full ounce of gold, silver can be your ticket to holding some precious metals. This is also true for gift-giving. Don’t want to spend over a $1,000 on a present but would like to give a hard asset? Silver just made it more affordable.
Silver isn’t just cheaper to buy, but can be more practical when you need to sell. Maybe someday you don’t want to sell a full ounce of gold to meet a small financial need. Enter silver. Since it frequently comes in smaller denominations than gold, you can sell only what you want or need at the time.
Every investor should have some silver around for this very reason.
Keep in mind that silver coins and bars bullion can be sold virtually anywhere in the world.
Silver is a very small market—so small, in fact, that a little money moving into or out of the industry can impact the price to a much greater degree than other assets (including gold). This greater volatility means that in bear markets, silver falls more than gold. But in bull markets, silver will soar much further and faster than gold.
Here are couple good examples… check out how much more silver gained than gold in the two biggest precious metals bull markets in the modern era:
|Gain from 1970 low to 1980 high||Gain from 2008 low to 2011 high|
You might say silver is gold on steroids!
We can expect this outperformance to repeat in the next bull market, too, because the silver industry remains tiny.
Governments and other institutions have traditionally held inventories of silver. But today, most governments no longer hold stockpiles of the metal. In fact, the only countries that warehouse silver are the US, India, and Mexico.
Look what’s happened to those inventories since 1996.
A big reason governments don’t hold a lot of silver is because coinage is no longer made from the precious metal. But as you’ll see, silver is used in industry to a much greater degree now… so if future industrial needs are difficult to meet, governments will be ill-equipped to support those needs.
Believe it or not, you don’t go one day without using a product that contains silver.
It’s used in nearly every major industry, from electronics and medical applications to batteries and solar panels. Silver is everywhere, whether you see it or not. As Mike says in his book, “Of all the elements, silver is the indispensable metal. It is the most electrically conductive, thermally conductive, and reflective. Modern life, as we know it, would not exist without silver.” Due to these rare characteristics, the number of industrial applications for silver has skyrocketed. In fact, industry now gobbles up more than half of all silver demand.
Silver is used in a wide number of industries and products, and many of those uses are growing. Here’s a few examples…
• A cell phone contains about one-third of a gram of silver, and cell phone use continues to climb relentlessly worldwide. Gartner, a leading information technology research and advisory company, estimates a total of 5.75 billion cell phones will be purchased between 2017 and 2019. That means 1.916 billion grams of silver, or 57.49 million ounces, will be needed for this use alone!
• The self-heating windshield in your new Volkswagen will have an ultra-thin invisible layer of silver instead of those tiny wires. They’ll even have filaments at the bottom of the windshield to heat the wipers so they don’t freeze to the glass.
• The Silver Institute estimates that silver use in photovoltaic cells (the main constituents of solar panels) will be a whopping 75% greater in 2018 than it was just 3 years earlier.
• Another common industrial use for silver is as a catalyst for the production of ethylene oxide (an important precursor in the production of plastics and chemicals). The Silver Institute projects that due to growth in this industry, 32% more silver will be needed by 2018 than what was used in 2015.
There are a lot more examples like this, but the bottom line is that due to its unique characteristics, industrial uses for silver continue to expand, which means we can reasonably expect this source of demand to remain robust. But that’s not the whole story… unlike gold, most industrial silver is consumed or destroyed during the fabrication process. It’s just not economic to recover every tiny flake of silver from millions of discarded products. As a result, that silver is gone for good, and limits the amount of supply that can return to the market through recycling.
So not only will the ongoing growth in industrial uses keep silver demand strong, millions of ounces cannot be reused. That might be a problem, because…
As you might be aware, the silver price crashed after peaking in 2011. Over the next five years it fell a whopping 72.1%. As a result, miners had to scramble to cut costs to turn a profit. One of the areas cut dramatically was exploration and development of new silver mines.
It doesn’t take a rocket scientist to understand that if you spend less time and money looking for silver that you will find less silver. That drought in exploration and development is starting to take effect.
Low prices have affected how much scrap metal is available, too.
All of this is starting to have an impact on total supply.
Silver supply has fallen three consecutive years, the first time since 1991-1993.
As much as two-thirds of silver mine supply comes as a byproduct from base metal operations (copper and zinc, for example). But these other sources of supply will clearly have an impact on the availability of new metal coming to the marketplace. These realities have set the stage for a peak in silver supply. If demand stays at current levels, it will be difficult for everyone who wants silver to get as much as they need. And don’t look now, but…
Global demand for silver is growing. Virtually all major government mints have seen record levels of sales, with most already operating at peak production. Surging demand is nowhere more evident than China and India. These two behemoth markets have long histories of cultural affinity toward precious metals. And with their populations growing (the opposite of what is happening in the West), their tremendous appetite will continue.
Here’s a couple good examples… check out the growth in silver demand in China (for all uses):
And look at the growth of silver jewelry in India:
This kind of demand doesn’t happen in a vacuum. Sooner or later there will be consequences when surging demand meets crimped supply—and those consequences are all positive if you own the metal.
Last, the gold/silver ratio (the price of gold divided by the price of silver) can give clues about which metal might be the better buy at any given time. Especially when the ratio reaches an extreme…
The gold-to-silver ratio averaged 47:1 during the 20th century. It’s averaged about 61:1 in the 21st century. So a ratio at or above 70 is in outlier territory and thus makes silver a good buy relative to the price of gold. You can see that the ratio sank to almost 30 at the peak of the bull market in 2011. It reached as low as 17 in early 1980. This compression in the ratio shows just how much silver can outperform its cousin gold. It also confirms it is undervalued compared to gold.
• Add all up the reasons and silver just might be the buying opportunity of the decade.
It’s hard to find an asset with a greater distortion between price and fundamentals. Not only is it a good hedge against crisis, the price will be forced up by a perfect storm of fundamental factors.
Original – By Jeff Clark, Senior Analyst, GoldSilver
Just like any goal, getting your finances stable and becoming financially successful requires the development of good financial habits. I’ve been researching this topic extensively in the last few years in my quest to eliminate debt, increase my savings and increase financial security for my family. I’ll talk more about these habits individually, but wanted to list them in a summary (I know, but I’m a compulsive list-maker).
Here they are, in no particular order:
It’s gold’s time to shine again. The metal price is up 10% this year and 25% since early 2019. Where it goes to from here is the subject of raucous debate, but the consensus is that it will go higher. Possibly much higher.
The bursting of every asset bubble in-sight, from equities to bonds and real estate, has investors scrambling for cover, and gold is seen as one of the few places of safety at times like these.
Gold shares are one way of participating in this bonanza, but investing in physical gold is for many more desirable – though it requires jumping through a few hoops.
SA Bullion has been around since 2005 and is headed by Hilton Davies, a former investment manager at Allan Gray. Davies set up Allan Gray Namibia and was instrumental in setting up Allan Gray unit trusts before venturing off on his own. “I saw the huge potential for gold as a long term store of value,” he says.
The phones are ringing hot at SA Bullion, as South Africans worried by the global outbreak of Covid-19 try to get their hands on physical gold. The lockdown has put a temporary brake on SA Bullion’s ability to trade, but still, the inquiries are streaming in.
The company offers two ways to get invested in gold:
“In SA we deal exclusively in the bullion Krugerrand, not in proof Krugerrands, which trades at a very high premium to the bullion price and makes little sense to us,” says Davies. “At the end of the day, the only thing of value is the metal content and purity, hence we stick with bullion Krugerrands.”
The company trades more than R1 billion in gold a year and offers vaulting services in Dubai, Zurich and Johannesburg.
Krugerrands are legal tender (so attract no VAT)
The advantage of owning Krugerrands is they are classified as legal tender in SA and are therefore not subject to VAT. The same is not true of bullion bars, whether minted or not, which attract VAT at 15%.
SA Bullion investment clients who want their gold vaulted in South Africa, acquire their Krugerrands at a premium of 3% to the prevailing metal price. They get charged 1.5% a year and this fee covers vaulting, insurance and management.
How can South Africans buy physical gold?
You can contact SA Bullion via your financial advisor (it is a licensed investment management firm) or approach the company directly at its website www.sabullion.co.za.
After the paperwork is done and the cash transferred to SA Bullion, new bullion Krugerrands are purchased on your behalf from Prestige Bullion (a joint venture between SA Reserve Bank (Sarb) and Rand Refinery). Your gold is then stored at Rand Refinery in terms of a contract with SA Bullion. To exit, you can have SA Bullion sell your Krugerrands back to the Sarb or have your Krugerrands delivered to you.
You can also sign up for a monthly debit order (from as low as R500 per month) much like any unit trust. SA Bullion manages a Nedbank account for every client and their system interrogates the client account balances every day. When you have sufficient funds for one Krugerrand, the system automatically puts your funds into the buy-orders for that day.
For investors seeking a managed investment in physical gold offshore, the minimum capital outlay is normally $50,000, though SA Bullion has reduced this to $25,000 until end-May. You can invest in Krugerrands, 100 gram Minted Bars or 1 kilogram Cast Bars. For offshore investments, there is no VAT on bars. For your foreign gold account, you get charged 1% a year and this fee covers vaulting, insurance and management.
What if I want my gold stored overseas?
Once your paperwork is done and your cash is ready, SA Bullion arranges for the funds to be transferred to its offshore company in Mauritius, which then does an export trade with Rand Refinery in Johannesburg. The gold is then air-freighted to your vault selection – either Dubai or Zurich. Following the touchdown, the gold is walked through a customs clearance process and then placed in the care of the world’s leading vaulting service provider. Contractually, SA Bullion may not reveal the names or locations of the vault service provider.
When you wish to exit from your investment SA Bullion sells your gold to a foreign bullion refinery or has it delivered to you anywhere in the world (but your export may not be re-routed to a SADC country).
Until now SA Bullion has sourced its gold exclusively from Rand Refinery but plans to source additional gold from an overseas refinery as of April 2020.
What are the chances of governments confiscating gold?
The chances may seem remote that governments will seize gold, but it has happened before in times of crisis. So it shouldn’t be entirely discounted.
One of the greatest heists in history was pulled off in 1933 in the US by then-President Franklin Delano Roosevelt who made it a criminal offence for US citizens to own or trade gold anywhere in the world. Those in possession of gold were forced to swap it for paper money at the price of $20.67 an ounce. A year later Roosevelt introduced the Gold Reserve Act, vesting all gold and gold certificates with the US Treasury, and immediately thereafter changed the statutory price of gold to $35 an ounce – netting an immediate profit for itself of 67%.
“We think the chances of something like this happening again are remote, but it is a question we get asked,” says Davies. “There would be serious consequences for any government attempting to do this again, even in a time of crisis, as it would immediately void property rights and attach pariah status to the government of the day.”
Hence, details of the vaulting services offered around the world are a closely guarded secret.
What are the prospects for gold?
Gold has been in a five-year bull market, but the best may be yet to come. The worldwide outbreak of COVID-19 has materially altered the outlook for one of the few remaining refuges against fiat currency debasement. Central banks around the world are firing up the printing presses to mitigate the catastrophic effects of the global economic shutdown, triggering renewed interest in physical gold. While the rand has lost more than 20% of its value so far this year, gold has held its value in the face of a crashing equity prices and volatile currencies. The shutdown of several of the largest gold mines in the world will constrict supply over the coming months, while demand is expected to ramp upwards over the course of 2020.
In this 21st century gold has gone up in Rands at approximately 15% per annum. Davies does not see this changing.
If you are new to network marketing or are considering network marketing, in today’s economy it will be the best decision you could make.
The opportunities have never been greater for success than it is now with all the resources available online.
To be really successful in network marketing it is very important to understand why you should even bother.
I decided that to help you with either your belief or with what prospects say, you will have some great information to get you motivated and on the right path.
Here are 20 reasons why network marketing may be your best option, though I could give you many, many more.
#1. Work From Anywhere: This has been one of Americans biggest dreams is the possibility to be able to work on their laptop from anywhere around the world. To me this is priceless. As long as you can get internet connection you can run your business. If anything changes in your life you just move to another state, city, etc. and you business is portable because your business is portable.
#2. Your Own Schedule: This is a big one for me. If I have an appointment I do not have to ask for time off work from a regular job. Because you can set your own schedule, it is also very easy to not work your business in network marketing so you must become disciplined if you want to grow the business. You only get out of it what you are willing to put into it. In a traditional business the same holds true as well, however, you have a far greater investment at risk.
#3. Low Cost of Entry: With network marketing companies you can start with just a computer and a small investment to get started. Some have even started with no money to invest. Only time and hard work. If you were considering starting a traditional business, generally speaking, you are looking at $50,000 minimum investment, just to open the doors. Franchise type of business would even be a far greater investment of $100K, or more and most of the owners do not even start to see a profit for over 5 years. My question to you would be: Which would you rather invest, say a small amount of $1000 or $50,000 or more?
#4. No Employees: This in itself should make you take a serious look at network marketing. There are no payroll worries, tax worries, workers compensation worries like you would have in a traditional business that are all cost associated with employees. No one asking for salary increases or just plain old making sure others are getting the work done for you. The only employee you need to worry about is yourself.
#5. No Billing/Account Receivables: You do not have to worry about billing any of your customers, or collecting any money, that is all handled online, and even if you sell physical products, the products are drop shipped for you with most companies. In a traditional business sometimes you wait 90 days or more to collect their money.
#6. Tax Benefits From A Homebased Business: This is a huge benefit. With a home based business you will receive some of the same tax breaks that the rich are already taking advantage of. You can have access to over 250 tax incentives that rich people know about and take advantage of! The tax benefits alone are generally greater than the cost to get started.
#7. There is No Discrimination Between Men/Women/Age/Race: Everyone who enters network marketing has the same opportunity as the next person to succeed. I have even heard of someone that was bedridden becoming successful in their network marketing business.
#8. No Commuting: Just imagine the time and money you would save from not having to commute back and forth to your business or day job. One thing we can never get back is time. Time is something we seem to never have enough of. I personally do not consider sitting in rush hour traffic a good use of my time.
#9. Security: We hear everyday of companies laying employees off. Cut backs. There is no such thing as job security when working for someone else. With the shrinking job market and technological advances leading to fewer and fewer people needed to do the same job as there once was. What’s more secure…having one income stream with a job where you could be outsourced or downsized in an instant, or additional income coming from a network marketing business? When you have your own network marketing business you have the stability of your network. Yes, even in network marketing, there are companies that come and go, but those companies, however, can not take your network. That is your security in this business.
#10. Residual Income: Boy, this is priceless. I hope you can understand this amazing benefit and the power of it. Network marketing allow you to get paid a residual income, even when you are not working, plus it can grow month to month. Imagine when you retire and you still have that residual income coming in for you.
#11. Training Already In Place And Readily Available: Because Network Marketing is a system which has many independent distributors, the companies typically have training available at your fingertips. Why not learn from those that have already proven there success.
#12. Receive The Help, Encouragement, and Support From Others In The Same Profession: I have benefited so much from this. You will find that everyone is willing to help each other to succeed. Find yourself a mentor to follow and work with. Generally in America everyone is out for themselves, clawing their way to the top of the ladder. You will find network markets different. Everybody helps everybody and you will find that you will be doing the same in a very short time.
#13. Personal Growth: This is big in my personal opinion and a synonymous with network marketing. The personal growth you must experience along with the growth of your business is essential. You must grow, especially if you want a large income. You must grow to become the person that helps others, encourages others, and helps others to also get what they want out of life. If you don’t grow then you will become stagnant.
#14. You Build Social Skills: You become a better person, which improves so many other areas of your life. When you build your social skills other look forward to working with you and being around you.
#15. Allows You To Help Others On A Massive Scale: The ripple effect that your business can have on others can be larger than you could ever imagine. Your personal impact can touch more people than you will ever even know about. To people who love to help others this is a huge benefit. This reason should be at the top of your priority list.
#16. Quickly Profitable: Unlike traditional businesses, which generally speaking take 3-5 years before they even think about seeing a profit, in network marketing, depending on what you are doing, you could see a return in days.
#18. Build Your Business By Using The Internet: The internet is changing the world as we use to know it. The possibility of reaching a greater audience for your business is just at your finger tips. Here you can focus on people who are only interested in what you are selling. This makes any advertising cost much lower. With the traditional business, yes this can be done, depending on the type of business, but the cost for a traditional business can be far greater than what you will experience because you are reaching out to people one at a time.
#19. Ability To Work In A Stress Free Environment: Today people are working in a FEAR based environment. With more and more jobs being outsourced, there are less jobs available. Employers can pay less and require more, and this is happening every day. With network marketing you are working from the comfort of your home, and the fear and stress are far less. You are creating your own dream, not someone else’s dream.
#20. Ability To Involve Your Kids: Since you can work from home, you can involve your kids, and teach them a strong work ethic and social skills. Working around your schedule is a plus in order to spend more time with your kids taking them to that ball practice, with you being able to stay and watch. With you kids around you, they see what you do, how you do it, learn how to be entrepreneurs, as well you can also involve them in your business and have them do projects you choose for involving them in your business. I can’t think of a better way to instill a good work ethic in your children.
I understand that network marketing is not for everyone, but to me it is a better way. If you are considering network marketing, or if you are already a part time network marketer I hope this helps you to appreciate what a great opportunity you are a part of . The friendships, personal growth, helping other people, are all priceless. I have given you 20 Reasons Why Network Marketing May Be Your Best Option, I could have give you many more.
You are your only limit. Bottom line is, you determine the amount of success or failure you have in network marketing. It is like anything else in life. You get out of it what you are willing to put into it. If you show up and work your business consistently, grow yourself, success will happen. So the only limit is the one you put on your business.
If you are looking to join a marketing company, or want to find out what company I have partnered with click here
Original – Barbara Marian