Dec 29

“There’s a shortage of blanks.”

That’s the cryptic way the U.S. Mint puts it. “Once this inventory is depleted, no additional inventory will be produced,” the Mint added in a rather rude, no-nonsense tone. Boiled down, what the government agency is referring to is the baffling fact that it has given up trying to meet today’s record-setting consumer demand for its very own Eagle gold coins.

Huh?

This is, or at least should be, disturbing news. Especially at a time when we’re supposed to trust the government enough to put it totally in charge of the crucial health care and energy aspects of our personal lives, Washington is now appearing to completely botch a simple case of supply and demand. With wild consumer demand for its-wait for it-mega-successful products (Gold Eagles), the Mint is now blaming its three suppliers for not providing it with enough gold blanks…even while dragging its feet in not providing those suppliers with enough raw gold and silver metal to make the blanks in the first place.

In Orwellian terms, this is another unfortunate case of government “Doublethink.”

Lack of Competition in Our Money?

Why the government is appearing to sabotage one of its few successful commercial enterprises is suspicious, to say the least.

Maybe the Mint has become overly politicized, and now refuses to further embarrass the plummeting U.S. Dollar with its record-breaking gold sales. Certainly, gold is rare-that’s what makes it so valuable-but this is the U.S. government we’re talking about: It should have no problem whatsoever in getting the gold it needs for its coin blanks, even on some kind of pay-as-you-go basis.

Maybe Washington isn’t interested in stirring the controversy of “competing currencies.”

According to The New American, “…our nation once had competing currencies and this competition led to honesty in the field of money.”

“…the government did not have a monopoly in the field of coining money. As a result, the nation thrived, as one always will when there is sound money. But, today, the only legal money is fiat money issued by the Federal Reserve that is deemed money by law. Its value continues to decrease because there is virtually no limit on how much of it can be issued. If our country were on a gold or silver standard, inflating the supply of those precious metals would be impossible.”

Could this be why the now government feels it is a victim of its own success with its popular Eagles? Are Mint officials now wracking their brains, on taxpayer time, wondering how they can inject a firm measure of failure into its successful gold coin program?

The Ron Paul Remedy and Washington’s Bizarro World

Congressman and former presidential candidate Ron Paul has some big problems with the Federal Reserve and the way our monetary system is being conducted.

Specifically, his two bills, the Free Competition in Currency Act and the Audit the Fed: HR 1207 are aimed at heading off a showdown with a dollar that, due to the trillions being thrown around by Washington over the last few years, is quickly sinking in value. Congressman Paul’s sound idea of money is this…

“This medium of exchange should satisfy certain properties: it should be durable, that is to say, it does not wear out easily; it should be portable, that is, easily carried; it should be divisible into units usable for every-day transactions; it should be recognizable and uniform, so that one unit of money has the same properties as every other unit; it should be scarce, in the economic sense, so that the extant supply does not satisfy the wants of everyone demanding it; it should be stable, so that the value of its purchasing power does not fluctuate wildly; and it should be reproducible, so that enough units of money can be created to satisfy the needs of exchange.

“Over millennia of human history, gold and silver have been the two metals that have most often satisfied these conditions, survived the market process, and gained the trust of billions of people.”

Returning to that New American article again, “The Texas legislator also makes the realistic assertion that a return to competition in money would see an end to inflation, even an end to unconstitutional wars financed by the Fed’s paper bills. Deficit spending for numerous other unconstitutional programs would also be phased out.”

In a free market economy, the principle of supply and demand rules. Entrepreneurs first find out what’s in demand, then figure out how to supply it. With Washington and the Mint, however, the opposite appears to be true. Once demand starts raging in this case, government bureaucrats back off and take great pains to interrupt the supply.

As Seinfeld might have put it, that’s how business is conducted in the Bizarro World (of Superman comics).

Fortunately, the Mint’s Gold Eagles aren’t the only game in town. There are other popular and available gold coins such as Canadian Maple Leafs and Australian and UK sovereigns. There are also semi-numismatic and numismatic U.S. gold coins such as the St. Gaudens and Liberty $20. See a respected coin dealer, such as my Lear Capital, to understand the difference.

Kevin DeMeritt, President of Lear Capital, is a published author, analyst and expert guest on more than 1000 radio programs, including Rush Limbaugh and Coast to Coast with George Noory, discussing today’s economy, gold and the geopolitical picture. Now more than ever, his insights are welcome by nervous investors. Visit http://www.LearCapital.com for all the investing help you need.

Dec 29

To learn to invest informed and learn how to invest with confidence most people should break the subject down into two parts: investment basics and investing. By tackling topics or articles in the following order you can learn how to invest money as an informed investor without wasting too much time and effort.

First get a handle on basic financial concepts, terms and investment basics. Every investment in the world can be evaluated based on just a few simple characteristics. Don’t invest money in anything until you know if it fits YOUR needs for such things as safety, liquidity, growth, and income. Only if you invest informed can you avoid the costly mistakes that are caused by picking an investment that’s not right for you.

Then, as a basic investment guide, focus on stocks and bonds because this is where you are most likely to invest money in the future. Once you have a handle on these securities, its time to get familiar with investment markets and how to invest in them. If you don’t understand the stock market, for example, your knowledge of stocks (equities) is of little value in the real world of investing.

Learning all about mutual funds should be your next step and shouldn’t be difficult now that you know stocks and bonds. After all, these securities are where most mutual funds invest money for their investors. And mutual funds are where most investors invest money in stocks and bonds in 401k plans, IRAs and other accounts. There are thousands of funds to choose from but 99% of them fall into 1 of 4 general categories.

You should also get familiar with other investments like money market securities and annuities before you move from the INVESTMENT GUIDE phase of your education to the INVESTING GUIDE segment. In other words, before you can learn to invest informed you’ll need a clear understanding of all of your major investment options and how they compare in terms of their basic investment characteristics. This is not as difficult as it sounds since the universe of investments can be condensed into only 4 different categories or asset classes: cash equivalents (safe, liquid investments), bonds, stocks, and alternative investments.

Investing is the art of putting an investment strategy together and managing your money at a level of risk that’s within your comfort level. Once you understand the investment end of things you need a game plan in the form of a complete investment strategy. Asset allocation is the single most important part of any strategy; and your portfolio asset allocation over time will be the main thing that determines your success or failure as an investor. Concentrate on learning asset allocation: how to invest money (in what proportion) across the 4 asset classes mentioned above.

Now you’ll also want to learn to apply various investing strategies or tools to help offset risk while earning higher than average investment returns. The two important things to understand when you get started in the learning process are the following. Learning how to invest is easier than you think if you take the subject one step at a time in a logical sequence. Second, learning to invest informed is actually a two step process: learn investment basics, and then learn investing.

Don’t get discouraged if you don’t understand something in an investing article you are reading. Back up and search for another article that covers the topic or area that confused you. For example, if you are confused by an article on bond funds it’s probably because you don’t understand bonds in general. Most people don’t. Most people don’t get much out of an adventure novel, either, if they start reading on page 47.

Take fear and anxiety out of investing. Learn to invest informed.

A retired financial planner, James Leitz has an MBA (finance) and 35 years of investing experience. For 20 years he advised individual investors, working directly with them helping them to reach their financial goals.

Jim is the author of a complete investor guide, Invest Informed, designed for average investors or would-be investors of all levels of financial background and experience. To learn more about investments and investing and his new financial guide go to http://www.investinformed.com.

Dec 16

Considering that Christmas is the most dynamic moment of the year in terms of market and cash flow amongst people, it is good you to know some important tips about that. Investing your money during the Christmas period has some different reasons -some positive reasons- why you should invest in some way during this holiday?

It is something that you should consider to take some extra cash and get the possibility to increase your income. In this article I am going to show you the importance of make some investment during Christmas season and the best way to get the ROI (Return on Investment) in the area of business you decide invest your money. Now I will give you some interesting reasons why you should invest your money in Christmas.

1. Because your income is going to move beyond your Christmas bonus: You could beat the inflation if you save money or you get some extra money, but investing your money in Christmas you will go beyond that. If you have the privilege to receive a Christmas bonus you could seriously consider that purchasing things you can sell or invest your money in a business to get back some profits is the best way to get the most out of your Christmas bonus. Instead, saving your money in the bank is better for you invest your money in any kind of business. As matter as fact, it is good that you read about some investment possibilities and chose the most convenient for you.

2. You could duplicate your Christmas bonus and wage: Investing -for a short period of time- during Christmas season could be a very fast and effective way to duplicate your Christmas bonus and even your own wage. It is good that you understand the importance of investing in Christmas. In Christmas -and in Saint Giving- people have more money to spend, shops and stores bring many offers and opportunities to consumers, people are happier -due Christmas atmosphere- and you could get a huge advantage from. It is not the same invest your money during Christmas that invest it the same in January or February of the next year because your results won’t be the same. Duplicate your wage could be your first goal you set so that you can purchase more things or save this money for your next holiday trip or something you want to buy for you or your family. In fact, duplicating your wage through a wise investment in Christmas will give you more possibilities to enjoy the rest of the year having those things you have dreamed.

3. This is an effective way to grow: Everybody has an opportunity in life to grow and if you try to make some extra cash investing during Christmas you are sowing for your own future and your family’s future. On the other hand, you can’t stop and you can repeat the same every Christmas until you can get an important amount of money for you.

DIY Finances:Christmas

Dec 16

A very short introduction: When you make an investment you need have your money back -a return of your money or ROI- in a given frame of time and Christmas can give you the opportunity for accomplish this interesting adventure. Relax and read carefully these advices about how to invest during Christmas.

Go ahead: When it comes to invest your money, always you can find several smart ways to get the most out of your personal finances in order you can live better during the forthcoming months or even years. Christmas season as well as Saint Giving is an excellent time to make business and make some profitable investments. In this article I am not only want to talk about how to save money -which is something most people explain- but how you can increase your earnings through gaining some interests of your own funds. We should consider we are slowly returning from times of recession and it is very important now that financial situation has some relief -general economy system more dynamic in relation with last year 2008- you can invest your money during Christmas season. The following are some important ways you can invest your money at some point in this holidays.

1. Buying homes or in real estate market: Everybody knows that in most places of the world -mainly in those where financial crisis affected severely- real estate business is a wonderful opportunity to make a good money. Homes and all kind of properties are gaining more value -they are really recovering its value- and that’s why you can buy a home or an apartment and in just 6 months you could obtain up to 20% of its value. This is a great time for that and I personally think you could get the most out from it.

2. Why don’t try with CD -Certificate of Deposits? Certificate of deposits is a real good way to invest your money during this season. You could agree an amount and a period of time to get back your money and monthly you will get revenue from your own money.

3. Saving accounts with high interest rates: Saving accounts is a very secure and good way to invest your money during Christmas. Evidently, you should decide if CD or saving accounts is best for you. I recommend certificate of deposits because you could have a larger benefit but this is also a good way to invest your money.

4. Learn everything you can about FOREX: This is a buzzword today and there are several online opportunities to invest your money starting with US$50 or even less. If you practice you could receive several benefits from it.

5. Companies needing an initial investment: Companies from different places around the globe could need people that a make some association. If you consider you can invest, it could be a good way to get back your money and its profitability very soon.

6. Buy and sell Christmas gifts through the Web: This is a good business that you should consider because everybody purchases several things during Christmas.

7. Start a temporary business selling Christmas related items: A temporary business is a good way to invest your money and administrate it by yourself and then, get a good benefit from it.

Christmas Savings

Dec 15

Investing is a great way to earn money while it is not being directly used by you. There are many types of investments with varied lengths of time that can prove useful for you.

1. Certificate of Deposit

While you do earn some interest leaving your money in a regular savings account, you do not make nearly as much as if you invest it. One great way to invest is with a T-Bill or a Certificate of Deposit. These are great because they are guaranteed by the government. Also, you can get these for anywhere from three months to a full year. So, if you want to leave your money in one and use it later, you do not have to worry about the maturity date not having been met. However, the longer your investment is for, the greater your interest rate is.

2. Bonds

A bond is a type of investment in which you lend your money to a struggling company or to the government. The interest rate with this depends on the length of the investment term, and level of risk. Investment in a relatively stable company or government is low-risk, so the interest rate will be low as well. However, if you take the higher risk of investing in a less stable company or government, your interest rate can be higher. This all depends on how comfortable you are taking risks. Either way, bonds are a great opportunity to help a struggling country or the government while making a profit.

3. Mutual Funds

Mutual funds are great if you want to invest in more than one thing with little risk. With mutual funds, you invest your money with other investors in many stocks and bonds. Collectively, the investors have one professional manager who makes sure that you are getting your profits. This is a great way to invest because it minimizes loss, should the stocks or bonds take a hit. One drawback is that your investments are in the hands of someone else.

4. Stocks and Shares

When you purchase stocks, you are becoming part owner of a business. The company’s profits are often directly reflected in your earnings, and you are allowed to vote in shareholders’ meetings. Aside from the company giving dividends, you make money when the value of the stocks rises. This type of investment is great because the potential for gain is tremendous. If you pick out a good up and coming business and purchase stocks while their values are still low, you will be able to sit back and watch the value rise.

There are many ways aside from these to invest, but these are a few great options. Consider investing your money in many different types of investments. Diversification is good for minimizing loss and trying out different types of investments. Investing is a good way to earn extra money and possibly help other businesses and the economy.

Check out Terry’s review of the Mizuno golf bag at http://MizunoGolfBag.org

Dec 15

The best investment strategy for 2010 and beyond is not likely to be the normal investment strategy recommended year after year by many investment firms. Things ARE different this time. Here’s your basic investment guide of things to consider going forward.

Year after year the basic investment strategy or asset allocation recommended for most people: 60% stocks and 40% bonds. Stocks or stock funds are the growth element and bonds or bond funds are the safer investment that provides higher income in this asset allocation. In theory, losses in one should be offset by gains in the other. It’s time to review your present asset allocation. You might be taking more risk than you think you are.

Sometimes the best investment strategy is aggressive in nature; other times a bit of defense is called for. Rarely does chasing a hot asset class pay off for long. With the stock market up 60% in less than a year and high bond prices (super-low interest rates), that’s exactly what many investors are doing. At the same time some are chasing gold at historically high prices, and emerging stock markets that have been on fire (like China).

Your asset allocation has probably changed since you last looked due to fast changing markets. Take a good look, and then decide if your investment strategy is on track at an acceptable level of risk. If you are heavy into either stocks or bonds (or both) you might want to lighten up and diversify more. In 2010 and beyond the investment landscape could change considerably.

What if the financial crisis is not really over, or the U.S. dollar continues to be unstable? What if economic growth fails to materialize or interest rates soar? The USA has not been faced with more economic uncertainty in my time, and I’ve followed the economy and the markets since 1972. Here’s a basic investment guide to avoiding heavy losses should the going get tough again.

If you hold bonds or bond funds consider shortening your maturities and cutting your exposure. For example, if you hold long-term bond funds consider moving to intermediate-term and short-term bond funds. Rising interest rates will send bond prices (values) down, and long-term bonds will get hit the hardest. You will sacrifice higher interest income, but will increase safety with this investment strategy.

Stocks and stock funds may have moved up too far too fast in 2009. Don’t chase the stock market unless you want to speculate. Consider lightening up your asset allocation to stocks that closely follow the market in general. It’s quite likely that much of this move upward was “window dressing” by large portfolio managers who want to look good at year end. Some of it was no doubt caused by individual investors looking for higher returns in a low-interest-rate environment. Any bad news in 2010 could prompt these same investors to sell and send stock prices down.

Now that you’ve cut your asset allocation to bond and stock investments in general, where do you put this money? When in doubt CASH is king. Cash refers to safe, liquid investments like savings accounts, short-term CDs, and money market securities. Money market mutual funds are the easiest way for the average investor to put money into money market securities. With short-term interest rates at historical lows many investors have taken money out of these safe investments. If you want to play defense, increase your asset allocation to cash.

For offense consider moving money periodically into a variety of areas often overlooked by average investors… to broaden your diversification. For example, consider stocks in the following specialty sectors: basic materials, natural resources, real estate, foreign securities, and precious metals if you don’t already have money there. Mutual funds are available in all the above specialty sectors as well. Invest in increments to smooth out the risk of bad timing.

In times of high uncertainty don’t follow the crowd. Your best investment strategy is to survive financially with your investment assets intact. When the dust settles get more aggressive with your asset allocation. Meanwhile, cash is king; and diversify, diversify, diversify.

A retired financial planner, James Leitz has an MBA (finance) and 35 years of investing experience. For 20 years he advised individual investors, working directly with them helping them to reach their financial goals.

Jim is the author of a complete investor guide, Invest Informed, designed for average investors or would-be investors of all levels of financial background and experience. To learn more about investments and investing and his new financial guide go to http://www.investinformed.com.

Dec 15

It might be time to check your cellar. Investing in wine is a serious business and you may just have that elusive bottle of Penfolds Grange hiding in the corner. If you are new to the idea of investing in wines, you may be surprised to know that certain brands and vintages sell for tens of thousands of dollars per bottle. Quite often the bottle may only be half full and not in perfect condition either.

Certain factors determine the value of the item including year of manufacture, limited editions, special signings and presentation cases to name a few. You are not limited to a particular type of wine if you choose to invest in wines. All types such as, port, sparkling wine, red and white wine, muscat and champagne are all readily available as an investment.

As a beginner you must be aware that as with other types of investments, there may be pitfalls and it does require time and money. The rewards can be personally satisfying and profitable though. To begin it you will need to learn about market trends and pricing. This can be done by building good relationships with quality auction houses and retailers. Learning about wine is important so join a wine club, visit wineries and enroll in a course or two. Join or start a tasting group (this is where you can tipple), ask questions, learn from each other and taste, taste, taste.

Not every wine you buy will be a winner and there will be duds, just like those penny stocks in the share market that don’t perform. Wine investment is not a short term strategy so be patient. Like the share market you need to buy low and sell high. At the same time it is like the property market, the price is determined by supply and demand.

Before you run off to check your cellar, remember that to get top dollar prices you will need to keep them in near perfect condition. Good luck and happy tasting.

Dec 15

Back in the day the standard practice was to invest your money into funds such as unit trusts by completing an application form and sending it to the investment manager together with a cheque in the post. You had no idea when the application would be received by the manager and therefore when your money would be invested. The only confirmation of this happening would be when you receive your contract notes in the post some time after.

It was also standard practice, and still is for many, for the investment manager to charge up to 6% initial commission. So for every £10,000 you would actually have £9,400 invested. If you invested through a broker or financial adviser they would typically receive 3%, or £300, out of that £10,000 investment before the money is even invested.

Nowadays the story can be quite different. I say can be because it is not necessarily so. Most investments you make will still follow the same process as above.

However it does not have to be that way. These days you have discount brokers such as Investor Profile that provide a fully automated system that allows you to invest online, safely and securely, quickly and easily. There is the minimal of effort involved in making your application.

You have what is called a fund supermarket to go shopping in. That means rather than only being able to choose from the fund range of a particular investment manager, on a system such as that provided by Investor Profile you can choose from funds provided by all sorts of different fund managers, all in one place, then continue to view your various holdings in one place. A fund supermarket such as this can hold as many as 1500 funds for you to choose from.

You would think that for this added ease of use and flexibility of choice that the broker/financial adviser is finally earning their money. But in fact the new breed of online investment providers actually discount the initial commission you pay.

Investor Profile does not believe you should pay such high initial commissions so promise to not take any initial commission at all. That’s 0% commission to Investor Profile every time you invest. That’s because we believe you should have more money invested at the beginning because this is proven to help you earn more in the future.

So when considering how, when or with whom to invest the benefits of investing online are compelling and indeed changing the industry. For years the investment managers have been creaming off money every time people invested in their funds. Now the good guys are coming to town and they’re here to help you do the right thing so that you can benefit for years to come.

Jaskarn Pawar, Director, Investor Profile Ltd

If you are a UK investor with ISA, Personal Pension or Unit Trust investments then Investor Profile’s free online investment monitoring service could be what you need.

Dec 14

Private equity firms are a kind of company that has grown in number over recent years. They essentially find sources of capital, usually a combination of borrowing and investment capital from wealthy individuals – and then ploughing it into a business that needs. The business that gets chosen will be one that has been identified as under-performing and would therefore benefit from this injection of expertise and money. The idea is usually that the business will be brought back into profitability and then sold off at a later date for a profit. People who have invested in a given firm will make money from either the profits and the sale or just the sale.

Private equity firms have been held up by the government as an important part of the economy, as they raise companies from the dead – as they suggest is the case. Of course, they are not always successful, and they sometimes fail catastrophically. Some people do not like private equity firms because they believe they frequently put jobs at risk or indeed put people out of work; that they have only profit in mind and do not care about the worker at all.

As well as putting people out of work the private equity firm may decide to sell of whole sections of the business – these are nearly always the parts of the firm that have been deemed unprofitable; ones that are thought to be impossible to turn around. This means that all property and assets would be sold – and of course all staff and workers would be laid off.

Unions are particularly scathing of this practice which is known in some circles as ‘asset stripping’. The practice of private equity is one that was sparked in the 1980s by Margaret Thatcher’s deregulated method of doing business.

Private equity firms are the subject of come controversy, as they have appeared in news and current affairs programs over the years because of the generous tax breaks they receive. Other industries feel this is unfair; but the government may well state that the tax environment needs to be competitive for these kinds of firms so that they do not move abroad. The private equity business is very big in the United Kingdom, and many feel that it needs to be protected. There is perhaps less sympathy for these kinds of business as they are seen by some to contribute to the already negative economic situation currently being experienced my many people in the UK.

Gino Hitshopi is highly experienced in the realm of private equity, having worked in the investment industry for many years. For more information please visit: http://www.preqin.com/section/private-equity/1

Dec 14

According to modern law of nations, National Treatment is the fundamental system about foreigners’ civil status, whose original idea is that foreign investors can enjoy the same treatment as the internal ones. With the development of international investment and related laws, National Treatment is applied to international trade gradually. Practically, applying National Treatment into international trade is that the host investing country must provide those who have made international investment and have its own countries’ identities with National Treatment.

In the international investment regulations, there are two different statements about the National Treatment: “no less” and “equal”. Though the treaties of international investment have different statements about the National Treatment, these two definitions are unanimous in law and have no essential difference in practice. To understand the National-Treatment correctly, we must start from its relevance, which is also proved in the international investment. According to the comparative analysis of the international investment regulations, National Treatment is adopted by a large number of bilateral and multilateral treaties, which becomes a trend of the international investment regulations. Developing countries should base on the need of opening-up and their countries’ economic power, and gain the same treatment of the foreign investors.

Meanwhile, the effects and influences of the international laws are taken into serious consideration: taking care of the developed countries’ abuse of the rights in explaining the treaties and using the exceptions of treaties swiftly to protect their countries’ economic authority.

Based on the current foreign Investment laws in China, the situation of the treatment of the foreign investment is “encourage and restrict”, which manifests in the following: seldom promise the citizen the right in the protective agreements of the bilateral investment, or restrict the citizen in the treaties; raise some favorable measures for the foreign investors while restrict them, such as the tax favorable measure. In order to make good use of the foreign investment, what we need to do now is to revise and improve our regulations related to investment treatment.

The revise of the foreign investment law needs reformations in the following five aspects: unit the standards of the whole country, use the favorable measures under the WTO regulations, and gradually cancel the no coincident favorable measures between the current law and the citizen’s treatment and so on. At last the National-Treatment regulations are set up based on the foreign investment laws.

For more information please visit: Latest-Science-Articles.com

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