Goldmart

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We are all hearing that the economy in America is recovering, yet a lot of people are still losing their entire retirement savings each day.It is high time that you started investing in a gold IRA if you want to protect your savings.

GoldmartIn this review, we are going to discuss Goldmart company to see whether they should play a part in your investment strategy.

Goldmart Offers

The name says it all: Goldmart is a dealer of precious metals. Besides gold, the company also sells silver, platinum, palladium bullion and various coins. If you are an enthusiast of rare coins, you will love the company’s separate website for these types of coins. I’d like to remind you all that they are not ideal for investment, anyway.

The company also offers other services and products:

  • Investors Kit
  • Newsletter
  • Live chat
  • Want List

Unfortunately, Goldmart is not an official IRA custodian. The company still offers to refer you to one of four different custodians to do business with, including: Self Directed IRA Services, Goldstar Trust Company, Sterling Trust Company,New Direction IRA.

Note: I find it quite strength when Goldmart would refer their customers to Sterling Trust Company, since there are so many negative reviews and controversies surrounding this particular custodian. If you want to know more about this, check out my review of Sterling Trust.

Customers Reviews

In this part, as usual, we will see several reviews written by Goldmart’s previous customers to understand better the business.

The first customer was happy for what she got from an old ring she found in elementary school:

“Turned in an old white gold ring I found in elementary school that had just been sitting around collecting dust and got $150. More than happy about that”Breana L. 

This customer, however, accused the company of fraud and selling items they do not actually have:

“I was trying to see if anyone else has been ripped off by Goldmart.com like me.

I order PM’s 3 weeks ago and until today, I have been told repeatedly that my shipment is being dispatched tomorrow, tomorrow and again tomorrow. They do not have any inventory as stated on their website, and they even displayitems on the website that state in stock yet they are not.

Their manager Nick told me that their insurance has lapsed into a month to month, and that they cannot insure shipments. These guys are selling stuff they do not actually have. Sooner or later they will end up like MF Global. I have already started fraud proceedings against them with the FBI.”Philip K.

Another similar accusation reads as follows:

“They are selling things they do not have, andthey DO NOT even update their website. They also DONT reply to your emails, evenif they do it will take 5-10 days (no exaggeration). This is pure negligence as a bullion dealer and a business in general. I tried calling them, and the lady kept making excuses that made no sense as for why my order hasn’t shipped out. They said since I paid with a credit card, it will take 2 to 4 days for processing. BUT I’ve waited a total of 10 days and so far nothing.

They said my order was going to ship the week before. And it never did. Goldmart’s video on their website claiming why they are “America’s leading bullion dealer” is completely misleading. You can try visiting the BBB website to see for yourself, they receive a D- NOT AN A-. Honestly, Goldmart is the ONLY bullion dealer that I’ve EVER had problems with. I will never buy from them again. All this hassle for an order of 6 Silver philharmonics. Ridiculous.”Liao C.

The company received pretty terrible ratings from different sources on the Internet as you can see.

D- – BBB

1/5 – Yellow Pages

1/5 – Yelp

Conclusion

The most noticeable thing about Goldmart during my research for this review was perhaps their share of negative reviews, accusations and warnings. My first Google search result for ‘Goldmart’ was actually a YouTube review where a customer complains about the company’s customer service and accuses them of selling items they don’t have.

Another thing that worsens the image of Goldmart is the fact that they refer their customers to Sterling Trust despite all the negativity surrounding this company.

I decide that my final rating for Goldmart would be: 2/10

To be honest, I would not recommend Goldmart to you because they don’t appear trustworthy enough. You should do business elsewhere.

Goldsilver.com

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Do you really believe that your retirement savings is safe? Have you imagined that you could lose them all due to the unstable economy today? If the answer is yes, now is the time to start protecting your assets in a gold IRA.

Goldsilver.comIn this Goldsilver.com review, we are going to discuss GoldSilver.com to see whether this company is good enough for you to entrust the mission of protecting your hard-earned savings.

Goldsilver.com Offers

GoldSilver.com is a company that sells you gold and silver coins or bullion. They offer a wide variety of products, including:

  • American Gold Eagle Coins
  • Silver Britannia Coins
  • Sunshine Mint Gold Bars
  • And more

Unfortunately, the company currently does not offer other precious metals such as platinum, palladium or copper.

Goldsilver.com reviewLikewise, if you are looking for a company to help you open a gold IRA, you will have to look elsewhere because Goldsilver.com is not an official IRA custodian. That being said, they agree to refer you to other custodians.

Besides buying gold and silver here, you can also join their “Insider” club. However, the price tag of $1,291.36 might be unaffordable for some.

Another point worth mentioning is that you can sell gold and silver on their website.

Customers Reviews

In this part, we are going to see what the previous customers said about the company.

This customer was happy with her time at GoldSilver.com:

“Goldsilver under-promises and over delivers in all aspects of the company.
My shipments arrived before the ETA dates, and all my questions are addressed very timely.” – Jackie C.

This customer, however, felt she was overpriced:

“These guys are so expensive. Visited them once to see if they really were that great, but nothing special actually. The shipping times were acceptable, service was good, but the high prices are not worth it.” – Daniel N.

Many other customers have the same feeling for the high fees on both shipping and storage:

“They have so many hidden fees. The shipping fee is ridiculously expensive, but if you know what to say, you can get a ‘coupon’ to reduce the shipping cost….which is still too high even after the deduction from the coupon.

Their storage fees are marked up from the original supplier, which for me was Brinks in Salt Lake City. I tried going directly to Brinks and ended up saving 50% (at least) on my storage fees.” – Danny B.

Despite all these negative complaints, the overall scores for Goldsilver.com that I found on the Internet was pretty good:

5/5 – TrustLink (based off of 3 reviews)

4.5/5 Gold Dealer Reviews

No Score – BBB (though they are BBB accredited)

Conclusion

To conclude this review, I will give you my final ratings for GoldSilver.com:

3/10 – as a gold IRA custodian

5/10 – as a precious metals broker

Even though Goldsilver.com is not an official IRA custodian, the company still offers their customers several choices for referrals, which is highly appreciated.

As a precious metals broker, however, Goldsilver.com appears to be a one trick pony, as they offer you only gold and silver. Moreover, the complaints of high fees would only prompt you to do business elsewhere.

Gordons Jewelers

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Gordon’s Jewelers has been in the business for over 100 years. The business was first started by Mr Meyer M Gordon as a local general store that also sold jewelry, which was then expanded into other locations and became best known for fine jewelry. Gordon’s Jewelers now is a big name in fine jewelry trading and has over 280 locations scattered across the US and beyond.

As the company expanded, they realized a need for a website to sell their merchandise better, so GordonsJewelers.com was born in 1998. Since then, this website has become an indispensable part of the business. Over the years till today, the company has consistently offered new items to keep up with the changes in trends.

Gordons Jewelers Products

Gordons JewelersPerhaps the bridal and wedding products are what Gordon’s Jewelers is best known for in the jewelry industry. They offer a variety of product, and we are going through all of them to see whether they offer any particularly unique items:

Wedding – This section contains engagement rings, anniversary rings, promise rings, wedding bands and many more. You can rest assured that you are looking at the right quality as all rings are shown with precise diamond information. The company offers an impressive selection of diamond engagement rings, which include the exquisite 1 ct certified colorless diamond engagement ring in 18k white gold (right).

Rings – This section contains over 950 different fashion rings, which can be sorted by price, metal color, metal type, stone and many more so that you can find exactly what you are after easily. They also offer a wide range of sapphire rings both blue and pink in some beautiful designs like this white and blue sapphire flower ring in 10k white gold with diamond accents (right). The other gemstone rings are equally impressive.

Earrings – This section contains over 550 different earrings available in a variety of styles such as studs, drops, hoops, leverback and more. It features some bold an intricate designs such as these 0.5 ct black and white diamond corkscrew drop earrings (right). The helpful product pages also suggest similar designs in the rings and pendants section in case you are looking for other items to match.

Necklaces – This section contains a wide range of pendants, with over 980 items to choose from with every gemstone you can think of and styles including lockets. There are various gemstones here, and we really love this beautiful vintage cushion cut amethyst pendant in 14k white gold with diamond accents (right).

Bracelets – This fine section contains bracelets in different types, including bangles, charms, anklets, chain, cuff and more. The gemstone bracelets are very nice, like this oval emerald wave bracelet in 10k gold with diamond accents (right).Of all the designs, the most popular one is diamond, which is available in over 130 different items in terms of styles, designs and prices.

Watches –This section contains Gordon’s Jeweler’s famous fine watches. It contains various designer brands with Swiss brands playing an important role due to their perfectly made timepieces. Our favorite is this ladies’ Capri bracelet watch with diamond accents by ESQ Swiss (right).

Customer Review

Gordon’s Jewelers take care of all of their customers, whether they buy from their local stores or online. As a result, the company has received positive feedback for both their retail and online store. Read some of them below.

  • Beth K – “We were pleasantly impressed by both the service and the prices. We found the perfect wedding rings, already sized correctly, for a great price.”
  • Queen G Casper Wy. – “I ordered three sets as presents, and am very satisfied. The picture on the internet does not do this set justice. The stones feature a beautiful cornflower blue.”
  • Juayole Edinburg, Tx – “My 21 year old granddaughter’s birthstone is the blue sapphire, and she loves all jewelry with sapphires on it. This is a very nice and elegant set that is offered at a very reasonable price.”
  • road ash66 Albertville, Mn. – “This is a VERY great presentation! Then, there is the tanzanite set itself, very nice stones, bluer than violet and also perfect size! I am VERY delighted! It is such a beautiful set and the price is wonderful for tanzanite, I have paid more for tanzanite that didn’t look as nice as this.”

Gordons Jewelers Special offers!

Below are the latest special offers and coupon codes available for Gordon’s Jewelers. You should check the site regularly as it is constantly updated. If there is no code, you just need to click on the link to redeem the offer as it will be automatically addedto the shopping cart.

  • Get FREE Shipping on any order of $100 or more.

Details

As an experienced company in the field, Gordon’s Jewelers know that their customers need reassurance and confidence with their purchase. As a result, they offer their customers different terms and conditions for shipping and returns:

  • Shipping – For orders over $100, shipping by FedEx 3 day is free if you use the link above at the special offers section. For orders under $100, the shipping fee is $5.95. 2 day, overnight and Saturday shipping is available at a cost. The company also give you FedEx tracking information so that you could follow your shipment closely.
  • Returns – You are offered a 30-day money back guarantee should you change your mind about the purchase. Gordon’s Jewelers also offer a 90-day policy for exchanges, so you have plenty of time to decide upon your purchase. Remember to call or email them before returning your items.
  • Contact – The address for Gordon’s Jewelers is:Z-Mail
    901 W. Walnut Hill Lane
    Irving, TX 75038-1003The telephone number is:1-888-467-3661

Conclusion

Gordon’s Jewelers have gone from a local jeweler to a national scale retailer, and their website has played an essential part in the company’s development. You can find all sorts of information you need on the website. We appreciate the fact that when you look at diamond jewelry, even if it’s with a gemstone, you can still see a grading report of the diamond. This ensures you are getting exactly what you pay for.

The website lets us find the product we are after easily, as you can narrow down your search by type of jewelry, then by price, stone, metal and many more. Moreover, the pictures of the jewelry are very large, clear and with dimensions so that you could know the actual size of what you are buying. From all these, we would highly recommend for people looking for fine jewelry, especially unique items such as charms.

Gold Valley

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Due to the current chaotic economy, more and more people are turning to gold or other precious metals when it comes to investing their life savings. Gold investments, however, need to be liquidated when you are in need of cash.

In this review, we are going to discuss Gold Valley to find out whether you should use this company’s service to protect your assets from the damaging effects of the declining US dollar and hyperinflation.

Gold Valley Offers

regal assets goldGold Valley’s slogan claims that they are the place where you can “Get the most for your gold”, meaning they buy gold from you, which is not uncommon. Below is the list of what they would buy from you, see it for yourself to see whether they are different from other gold-buying companies out there:

  • Gold – Any Karat
  • Silver
  • Platinum
  • Necklaces
  • Bracelets
  • Rings
  • Earrings
  • Charms
  • Watches
  • Broken Jewelry
  • Coins
  • Sterling Silver Flatware
  • Tea Sets
  • Candlesticks

The company manages to set themselves apart from others by buying a variety of items, not just the standard gold jewelry. If you want to do business with them, you can visit their stores in Indiana, Missouri, North Carolina and Kansas. Gold Valley does offer their potential customers another unique alternative: you can host a ‘Home Party’ where you and your friends get together and sell to a representative. You can receive several benefits as a host, such as a 10% commission on all sales.

Unfortunately, if you live in an area with no access to any of Gold Valley’s stores, I’m afraid you cannot use a mail-in program like other companies because I did not see anything on their website regarding this matter. You should call and ask for more information.

Customers Review

In this part, I usually give you some reviews written by the company’s past customers that I collected from various sources on the Internet. Unfortunately, I could not find anything on Gold Valley, except some advertorials on their website that were last updated in 2010.

Conclusion

Based on my own research on the company, I decide that my final ratings for Gold Valley should be:

0/10 – as an IRA option

?/10 – as a place to sell your gold

Unfortunately, there is just not enough information on Gold Valley for me to give it a fair rating. My only suggestion is that if you live in an area where Gold Valley has their stores, go check out their service to see whether they are suitable for you and your savings plan.

5 Reasons Why You Need Gold Retirement Plan

Gold IRA for Retirement Plan

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Due to the current unstable and chaotic economy, more and more people want to make investments for their future. One matter that is causing increasing concern Gold IRA for Retirement Planamong investors is whether the assets they invested in will hold their value and provide them with a decent income once they retire. Many investors are now opting for a gold retirement plan in order to improve their prospects for a comfortable retirement.

What’s Wrong With Retirement Funds?

Most people’s retirement funds are kept in either an IRA (individual retirement account) or a 401k, which is a plan sponsored by their employer. These funds are mostly used to invest in traditional assets such as bonds, stocks, mutual funds or cash. All of these currency-based assets are negatively affected by the volatile stock market and economy. Nobody wants their retirement funds to be dependent on any uncertain external factors like inflation, because then their assets will not be guaranteed safety in later years.

Another problem with currency-based assets like bonds, stocks and mutual funds is that they don’t represent actual wealth that you hold. On the contrary, the wealth is of someone else, and the paper is just a promise to pay you its value at some time in the future. If the promise is not kept, or if the value of the assets has dropped to nothing at the time you claim the promise, the paper is totally worthless.

Cash can be deemed a tangible asset. A cash IRA, however, poses another problem. A cash IRA uses the US dollar – a fiat currency – as its investment tool, and the prospects of the dollar haven’t been so bright throughout history: in fact, the dollar has lost 97% of its purchasing power since the early 30s. As a result, a cash IRA is unlikely to provide you with adequate income in your retirement because the dollar value keeps dropping.

Why Investing in Tangible Assets?

Investors should opt for a gold retirement plan – a plan based on tangible assets instead of paper. Tangible assets are proven to be able to maintain their value and stay independent on promises from governments or companies. Since 1997, the IRS has allowed investors to put gold or other precious metals into their IRAs. You can invest in precious metals using any type of IRA, but only a self-directed IRA can offer you the whole range of options, including keeping physical gold.

Keeping physical gold in your IRA can be quite beneficial compared with keeping traditional assets. Firstly, you won’t have to worry about inflation, which is a nightmare to every retiree who can do nothing but watch the value of their savings eroded. Gold, on the other hand, is an effective tool to hedge against inflation. Unlike the dollar, gold has the same purchasing power as it had in the 20s – you can buy a high quality suit with an ounce of gold then, and you still can today. Gold is what you should add to your retirement savings portfolio.

Besides, since gold is not affected by the unstable market, it is considered a much safer investment than bonds, stocks or mutual funds. Gold is deemed the safe haven for investors because its performance, as proven in history, has been inversely correlated to that of other assets.

Another benefit of a gold IRA is the tax advantages that come with it. Gold in IRAs, unlike other assets in a traditional IRA, is not taxed. Thanks to the changes in tax codes and IRS limitations, a gold IRA is becoming more and more desirable from the tax point of view. What makes a gold IRA even a better choice is the quick and easy setting up process, since you only need to deal with your custodian, who handles most of the administrative issues on your behalf.

How to Add Gold to IRAs?

You can add gold to your IRA using different methods. If you already own a traditional IRA or a 401k, you can choose to ‘roll over’ it into a gold IRA. In the case of a 401k, however, a rollover into IRA requires that you are currently working for a different employer from the one that holds your plan, or if you qualify for distribution for other reasons. If you think the rollover process is too complicated for you, just opt for a brand new self-directed IRA.

No matter which method you choose, the first thing to do is picking a custodian, or administrator, to take care of your account. You can easily find custodian services at most big banks, but I advise you to use the services of a company specializing in gold investment. The choice of custodian is important because they will deal with the transfer of funds on your behalf, including the forms and paperwork.

The second decision you should make is the dealer who will supply your gold or bullion. As to what to buy, the choice is entirely up to you, but make sure you learn IRS restrictions first. Gold bullion bars must be pure 24-karat, and coins’ purity must be at least 99.5%, such as American Eagle and Canadian Maple Leaf. Numismatic or collectible coins are not allowed. Gold proof coins are allowed, but it is advisable not to buy them because they carry a high premium that could reduce your investment profits.

Once deciding what to purchase, you will have the custodian pay the dealer on your behalf, and transfer the purchased gold to a secure storage depository approved by the IRS. It is against the IRS rules to keep the gold yourself until you meet distribution qualifications from your IRA. The amount of gold you add to your IRA each year is limited by the IRS, and you can add gradually up to the maximum contribution amount, but otherwise you can just watch your investment grow without doing anything.

It is very simple to set up a gold retirement plan, which can ensure your financial future. You can rest assured that your retirement years will be comfortable because you can, from now, take control of your finances instead of depending on external factors that you cannot control, and protect your assets.

Why Invest in Gold and Silver

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Investors who are interested in diversifying their investment portfolios often opt for gold and silver. However, most of them cannot easily decide on one of the two. Whereas all precious metals are able to provide a good hedge against inflation and declining currencies, gold and silver stand out from the rest because they can survive harsh economic times.

Gold IRA for Retirement PlanIn fact, both gold and silver are capable of protecting your wealth better than any currency-based investments. In terms of practical purposes, however, these two are considered ‘dead investments’ because they do not bring any interests or amazing short-term returns. In short, each metal has its own characteristics, thus its own advantages and disadvantages of holding.

Why Invest in Silver?

  • Silver is currently quite undervalued, considering its growing demand in the industrial sectors.Perhaps this explains why people investing in silver can make a good profit by buying at a low price and selling at a high price when the prices are still in their favor. It can be very profitable to take advantage of the volatility of metal prices, if you know how to monetize it in a timely manner, that is.
  • Demand/supply for silver has been quite steady for over ten years now. In fact, total demand is currently exceeding total supply, including fresh supplies from the mines and recycled metal.
  • Silver prices cannot really be controlled by central banks in the world, since they generally do not keep silver in their reserves. The supply and pricing, on the other hand, are determined by the private owners who have stocked up their reserves with silver recently. Warren Buffett and Bill Gates, for instance, have reportedly made a lot of investments in silver. Even when the value of such investments is not significant, the amount of silver disappearing from the markets may actually make it scarcer. However, Buffett is said to have sold his silver investments soon after the purchase, right before the price spike in 2004.
  • Interesting enough, there are very few isolated deposits of silver. There are not many silver mines out there. In fact, silver is a by-product of other metal mines that primarily exploit copper, zinc or gold deposits. Silver is a scarce metal compared with gold, with limited natural reserves.
  • Silver demand may probably be eternal because silver is highly demanded in the industry, and not all silver is recycled or recovered when compared to gold. As a matter of fact, US projections expect silver to become the first of periodic table elements to go extinct. This forecast is based on the present level of consumption and availability patterns.
  • As of August 2013, statistics show that the retail sale of silver from the US Mint was 55 times higher than gold (in ounces). This is far from the reason for investing in gold, it just simply reflects the current trend.
  • Silver is surely more affordable than gold to people of all income groups.

Why Invest in Gold?

  • Gold has survived throughout all kinds of economic hardship in history. It has been a source of wealth and an effective hedge against inflation.
  • Gold is less volatile than silver due to the gap in silver demand and supply. In the long run, gold offers significantly better security. This does not mean gold prices are always constant, but fluctuations do not cause major devaluations of investment.
  • Gold is associated with sentimental value because it has served as a basis for several economy around the globe in the past. Central banks in the world keep huge reserves of gold to combat fluctuations in local economies.
  • Investing in gold is proven to be a better method to protect your savings from the consistent failure of fiat currencies in the world as well as the regularity of quantitative easing and bond-buying programs. It can also grow the value of your assets in the long term.

Gold or Silver?

Apparently, the choice is skewed towards silver. However, most investors do not make a decision backed by careful research. You can use a tried and tested method call ‘gold/silver ratio’ to make easier decisions.

Gold/Silver Ratio

This method simply calculates the ounces of silver that you can purchase with one ounce of gold. For instance, gold is currently priced at $1,400/ounce and silver at $22, thus the ratio of (1400/22), which is around 63. The average ratio in the last three decades is reportedly 50. If this ratio falls below this average value, it means silver price is on the increase and you should not buy silver. In other words, you should invest in gold during such times.On the other hand, if the ratio is higher than the average value of 50, meaning you can buy more silver with an ounce of gold, it is the right time to invest in silver.

Ratio analysis allows us to compare these metals easily on a relative basis. It is advisable to invest in the undervalued metal after each analysis.Investors could take advantage of this method and carefully build up their own collection of precious metals over time, before deciding to maximize gains by liquidating these assets when the time comes.

There can also be short-term benefits from this method by tracking metal markets and responding promptly to capitalize on the trend. Not every retail investors is able to buy or trade physical metals at spot prices to gain from the fluctuations in price. Instead, they can use the services of precious metals companies to maximize their earnings thanks to the professional guidance and buyback facilities of these firms.It is important to remember that the value of metals is determined by their condition and their content.

Use of silver keeps increasing in different industries: from medical imaging, green energy initiatives, water purification to enhancing battery life. Gold, on the other hand, always enjoy an eternal demand thanks to investor sentiments. No matter what you choose as your investment, it will help you avoid credit risks associated with currency-based investments such as stocks or bonds, which can be destroyed in the blink of an eye.

9 Reasons why Gold is an Excellent Investment Choice

American Bullion Gold

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The precious value of gold has been proven throughout history. Smart investors would always keep some gold in their portfolio. For centuries, this method has also been very popular among wealthy governments and individuals due to gold’s ability to maintain their value. In this article, we are going to tell you why it is a good idea to keep gold in your portfolio. Below are the top 9 reasons why Gold is a good investment choice for the future.

American Bullion Gold1. Gold will always have value. Gold is a precious metal that has stood the test of time as far back as 500 B.C. The ability to maintain their value is what makes gold so valuable even after all those years. Although the price of gold is dropping in this current bear market, don’t be worried. This is the perfect time for you to buy gold.

2. Because of inflation. Some of you might wonder why gold is good in times of inflation. This is because gold’s value has the tendency to rise along with the level of inflation. This has been proven in history: in 1946, 1974, 1975, 1979 and 1980, inflation saw an all-time high, but gold’s return was 130%! The current gold price is low, so buy some to gain big profits when inflation level rises again.

3. Current gold price is low. Now is one of the best times to buy gold because its price is now just over $1,300 per ounce, which is $500 lower than previously. Take advantage of this.

4. Portfolio diversification. Adding 10 to 20% of real gold to your portfolio can help diversifying your assets. Remember the wise saying, ‘Never put all of your eggs into one basket.” In times of economic turbulence, paper investments normally see a tragic decline, whereas gold can maintain its value. Nevertheless, don’t be tempted to buy 100% gold, because diversity is always smarter.

5. Protect your assets in crisis. The value of the US dollar depends largely on the current economic condition. For instance, the Great Depression in the 30s led to the plummet of the dollar value. However, gold’s value then rose to an all-time high. Today’s economic certainty makes it even harder for us to predict whether and when another currency crisis would occur. Nevertheless, gold will help you survive any future currency crisis.

6. High liquidity. All you have to do is do a little research to find out where you can sell your gold for the best price. Several markets offer better price for specific types of gold than others.

  • Gold jewelry: Best pricescan be found at used jewelry stores, eBay or other retail outlets. Remember to sell the beauty and craftsmanship of the jewelry as a whole, not just the gold.
  • Numismatic or collector coins: Look for famous dealers at The American Numismatic Association.
  • Gold bullion: these coins and bars are issued by the government and come in standard weights and purities, so the selling prices are pretty straightforward.

7. Governments are in it, why don’t you? It is a good sign when governments around the world are investing in large amounts of gold. This means that either the governments predict an increase in gold demand or they are just preparing for aimminentcrisis. In 2013, China consumed over 4,800 tons of gold and the number keeps increasing. Dubai is setting up a new gold refinery capable of processing over 1,400 tons of gold. All these indicate a positive demand for gold. Why else would governments spend money on gold if they did not see a future economic benefit?

8. Gold can be sold anywhere. This feature makes gold even more liquid: you can sell it anywhere in the world to convert it into cash.

9. Price fairly stable. Unlike the dollar whose value is declining, gold keeps its intrinsic value as a piece of tangible valuable property. Its value only fluctuate according to the supply and demand and current economic conditions. Gold’s purchasing power was proven to survive in harsh periods of inflation or deflation.

Smart investors would always add commodities such as gold and silver to their portfolios. It is, however, not easy to buy gold. You should only invest in gold that can be resold at a high value, such as the American Buffalo or Canadian Maple coin, which has a .999 purity level. Always do some research first as a gold investor. As a last reminder, investing in gold is smart because it helps you survive harsh economic conditions.

Conclusion

In case you are looking for a reliable Gold IRA company, our suggestion would be Regal Assets. This is a leading precious metals company that can fully address all of your concerns. At Regal Assets, you will be assigned with a financial expert who will consult you on various investment options. Unlike other companies, Regal Assets won’t give you some high-pressure salesman to force you into making unwilling investments.

Regal Assets is also a great place for new investors in gold and other precious metals. You just need to give the company a call, and you will be assigned with a unique representative who will guide and assist you from there on out. Regal Assets take pride in putting customers and their comfort first.

If you have any questions, don’t hesitate to call Regal Assets and let them take care of you. We have also done an in-depth Regal Assets Review here in case you need additional information. The company received an A+ rating with the Better Business Bureau, and was ranked #20 on Inc. Magainze’s list of 500 Fastest Growing Privately Owned Company in the Financial Services category in 2013.

Diversify Assets with Silver IRAs

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A gold and silver IRA account will probably provide investors with the best solution to the question of diversifying their holdings. The current returns brought by basic bonds and equities just can’t meet the requirements of many investors.

Silver IRA InvestmentThe exceptional volatility of the stock market over the past several years makes it unaffordable for those on the edge of their retirement age to take any risk within the limit of their long-term savings. However, in history, investors haven’t been safely able to make ends meet on overly low returns they gained due to the extremely low interest rate over the past few years.

Staying in an Individual Retirement Account (IRA), your assets in any form of precious metals can be kept safe from market depression due to the process of diversification but still generate increasingly steady profits simultaneously.

Is Silver Allowed in an IRA Account?

In the absence of awareness from the majority of investors, any self-directed IRA allows certain types of precious metals like gold and silver to be put inside of it, which is not popular among investors. That’s attributed to the fact that most IRA account openings are conducted by banks and brokerage firms – institutions whose financial inventories essentially contain no precious metals.

Nevertheless, with a truly self directed IRA account, the investor has the ability to be freely responsible for the assets put into the account. That allows the portfolios of the investor to be diversified with a broad content of traditional stocks, bonds, CDs, and mutual funds. Besides, these accounts can consist of other financial instruments, such as:

  • Silver
  • Gold
  • Platinum
  • Palladium
  • Real Estate
  • Currency
  • Mortgage Notes
  • Commercial Paper

What Not to Include

Some cases such as that of life insurance policy are not allowed to appear in a self directed IRA account. Also, using some investments included in a self directed account is limited to personal use.

One typical case is the prohibition of purchasing a personal residence or a vacation home for any single type of personal use with IRA funds. Therefore, the IRS rules are necessarily understood and conformed to as the manipulation of an IRA account is based on those rules.

Open a Silver IRA Account

There is a must for investors to find an institution specializing in gold and silver IRA accounts in the difficult current context that offering precious metal accounts is not a true business in most traditional banks and other financial institutions.

At present, a large number of self directed IRA accounts are being offered by countless dealers with highly educated customer service representatives. This will allow investors to easily handle with account opening and funding as well as make a proper decision on types of precious metals best-suited to their short and long term investment goals.

Types of Gold and Silver IRAs

A gold and silver backed IRA falls into two major types – a traditional or a Roth one. What type of IRA is suitable will depend on which kind of tax benefits that investors desire and/or are eligible for.

  • Traditional IRA Account

With the opening of this account combined with IRS income guidelines, investors may have the ability to withhold part or whole IRA contribution on an annual basis. One more thing is that traditional IRA funds grow based on deferred tax.

The owner’s then-current income tax rate will be imposed on their account when they make a withdrawal. In case of withdrawal occurring at the time of their retirement, they may possibly receive a lower tax than they did at the time of contribution.

  • Roth IRA Account

Unlike a traditional IRA account, owning a Roth IRA account will not allow the annual withdrawal of IRA contributions. However, the gains from the funds inside this type of IRA account as well as the withdrawals from the account will be exempt from income tax.

Placing Funds into an IRA Account

The precious metal investments can be put into the IRA account through a lot of various ways including:

  • Cash Deposit – an amount of cash within the limit max amount will be deposited in IRA accounts annually. In this year, $5,500 is the popular amount of cash deposit among investors whose age is not more than 49 and that amount is $6,500 among those at the age of 50 and over.
  • IRA Transfer – this way, funds can be directly transferred from a current IRA account into a precious metal one without any limitation on the amount that investors can transfer between their two accounts. By doing so, the funds will be immediately ready for investing.
  • Rollover – in this way, investors may reinvest funds from their retirement account in their personal IRA. For instance, funds from a 401(k) plan of a former employer can be rolled over into a precious metals IRA account with no dollar amount limit on how much an individual can roll over into a IRA account from an employer sponsored retirement account.

How to Purchase Precious Metals for IRA Investing

One prerequisite for investors before purchasing any precious metals for IRA investment is the determination of their specific financial goals. In doing so, the investors will easily decide on which types of metal(s) as well as what percentage these metals will take up in the overall portfolio.

In most cases, financiers will receive basic knowledge from first-class dealers like Regal Assets about the beginning of precious metals investments and the proper allocation of metals into an IRA portfolio.

Advice from customer service representative on each various investment scenarios will really work for one’s investments due to better knowledge about the appropriate allocation of gold, silver and other metals into his or her overall asset portfolio.

Silver IRA Investment

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Today, investors are faced with a more than ever enormous amount of options when it comes to a solid opportunity in which they can put their money and then expect a steady return on it.

Silver IRA InvestmentIf you have been paying attention to the world’s current trends, you will know that investment in precious metals is really thriving at the moment. It’s true that the market may have recently been sold off a little bit but at this time it is likely to be bouncing back again.

More importantly, however, today’s economic climate allows precious metals to thrive powerfully and continue to increase in value.

How to Invest in Metals?

After all, it is wisest to set up a silver IRA account because this allows you to invest in silver as well as other precious metals for your retirement fund while having no worry at all about the taxes on your capital gains.

This is the best thing about IRAs. Any investment conducted through these account is not subject to taxes as soon as you have locked in the capital gains.

To put it another way, if you purchase silver at the rate of $22 an ouncenow and sell it for $60 an ounce 10 years from now, you will both make a good return on your investment and get to keep every penny. There will be no need to pay taxes for any of it.

This is the beauty of IRAs and a good reason for you to invest in any kind of precious metals.

Should I Add Silver to My IRA?

Gold is inarguably a great investment and if you have started purchasing gold in and before the year 2000, you’ve been sitting pretty. The return on your investment is tremendous and you may have earned as much as 600% or more.

We’re, however, here to talk about silver.

Silver is a fantastic choice as far as investments go. Although silver is second to gold in popularity but it, oddly enough, has exceeded gold in value percentage wise during the big rush.

Things get even better…

Certainly, the price has increased significantly in the recent past. However, the market is bound to increase a lot higher as the movement of prices is based on uncertainty and turmoil in the economy, especially in the case of the US.

If you have paid attention to the situation in US, you will see that much of the economic recovery is due to the money printing and many handouts of the Federal Reserve. The recovery in America is not true, although global corporations appear to be doing just fine.

It’s impossible to judge the health of US economy on the basis of the stock market. In the global world and economy today, just because US companies are doing well once again does not mean it has anything to do with the health of the US and its people.

To put it another way…

Americans are struggling. There are very few jobs; the US is deep in debt while big US businesses are outsourcing all their work to Third World countries. The serious lack of jobs presents a huge problem for the American workforce.

Honestly this is all a recipe for disaster which, however, would turn out to be a recipe for success if you invest in precious metals.

When the economy tanks, the value of precious metals goes up. That’s just the way things go and the value of silver and precious metals has no choice but to rise.

You can use this rule to your advantage. Therefore, with the perfect circumstances still at hand, it’s best to begin investing in silver today.

How to Open a Silver IRA

For a new investor, it’s easier to go to a precious metal brokerdirectly instead of opening up a silver IRA and choosing a qualified silver IRA custodian.

And the best broker to work with is simply…

Regal Assets, the most respected precious metal Company in operation today. The company recently got in the list of Inc. magazine’s top 20 financial institutions in America.

Getting started is simple. Just click here and on the page you will land on complete the contact form located on the upper right corner. After that, one of Regal’s representatives will contact you and help begin the process of creating an account and picking a silver IRA custodian.

Gold IRA Investment Provide High Returns in Future

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Almost every investor wishes to have some savings by their side when the retirement time comes. As a result, more and more people start putting aside some of their hard-earned income for the future at a relatively young age, because every investor who is wise enough would know that the sooner they start, the less investments they will need to make.

Gold Backed IRAIn terms of financial vehicles, there are a lot for investors to choose from. Back in the 90s, equities were the most popular choice because the bull market at that time seemed to have no end in sight. Then came the unexpected market downturn in the early 2000s and then again in 2008 and 2009, which led to substantial losses for unprepared investors.

Investors today, learning from their past failures, understand the importance of the diversification of their portfolio assets. Diversification does not mean choosing different types of stocks or mutual funds but rather different types of assets altogether.

Investment in Gold, Why Not?

More and more investors have succeeded in reducing the risk to their retirement savings plan by adding gold or other precious metals as a way to diversify their portfolio.Gold has always grown in its value for centuries, and it keeps doing so today.

Besides its growth in value, there are many other reasons why investors are turning to gold, including:

  • Diversification – Gold is now one of the most effective tools to diversify the assets in one’s portfolio. The rule to diversification is that you should never choose vehicles that are too closely related. Fortunately, gold’s nature is that it has always been negatively correlated with the movement of stocks. As a result, investors can choose this asset as an ideal method to diversify their portfolio, which is normally filled with equities. An addition of gold into an IRA account can help reduce both the risk and the overall volatility significantly.
  • Hedge Against Inflation – Gold has been, for many years, the most sought after tool to hedge against inflation. This can be explained by the tendency of gold’s growthin the past: its value normally rises with the cost of living. As a result, an addition of gold into one’s portfolio can help to keep up with the ever-growing cost of living over time. Again, this function is especially beneficial for the retired or people who are approaching retirement.
  • Asset Protection – Diversification by adding gold to one’s portfolio can greatly reduce risk, thus protecting their investment.

Why a Gold IRA?

IRA, or Individual Retirement Account, has been the most popular method of investing for retirement in nearly four decades, ever since its creation in 1974. The types of asset put inside IRAs have most frequently been bonds and equities, such as mutual funds and stocks, because these accounts are normally opened and managed by a traditional financial institution like banks and brokerage firms. This is because such traditional financial institutions can offer their customers, in most cases, only these types of asset, and because investors have not realized the fact that they can totally add gold and precious metals into their IRA accounts.

Contrary to popular belief, however, the IRS does not strictly limit the types of asset that can be added into a self-directed IRA account. In fact, there are plenty of IRA custodians who would allow investors to add gold and precious metals into their IRA accounts. This allows investors to enjoy not only the benefits from such investments but also from the tax deductions and tax deferred status applicable to IRA investing.

These two main benefits make gold IRA investment really profitable. Indeed, investors can enjoy the growth in value of their gold or other precious metals in their self-directed IRA account without having to pay any tax for the time being. They can also control what goes in and comes out of the account itself.

Requirements for Gold IRAs

The IRS (Internal Revenue Service) decides what can and cannot be added to an IRA account. In the case of gold and other precious metals, the IRS provides us with some relatively strict guidelines. The metals added must also meet a certain standard for fineness.

The IRS allows the following metals to be added to IRA accounts:

  • American Eagle Gold Coins
  • American Eagle Silver Coins
  • Austrian Philharmonic Gold Coins
  • Austrian Philharmonic Silver Coins
  • Canadian Maple Leaf Gold Coins
  • Canadian Maple Leaf Silver Coins
  • American Eagle Platinum Coins
  • Canadian Maple Leaf Platinum Coins
  • Isle of Man Noble Platinum Coins
  • Canadian Maple Leaf Palladium Coins
  • Gold and silver bars from various recognized refiners
  • Platinum bars from various recognized refiners
  • Palladium bars from various recognized refiners

The IRS also requires the fineness standards for gold and other precious metalsas follows:

  • Gold – .995 percent or higher
  • Silver – .999 percent or higher
  • Platinum – .9995 percent or higher
  • Palladium – .9995 percent or higher

Starting a Gold IRA

As mentioned above, gold IRA investments can bring investors a lot of benefits, particularly the tax advantages of IRA accounts and all the desirable benefits gold can bring.

It is very easy to open a gold backed IRA account today thanks to the presence of various gold IRA companies, who can be found online. Investors can start by searching trusted and highly rated companies by the BBB (Better Business Bureau) and TrustLink such as Regal Assets, which is praised for their exceptional customer service.

You can find the IRA account paperwork ready on most companies’ websites. The companies decide to provide all the paperwork directly there because it allows investors to get started quickly and conveniently. After successfully opening and funding an account, investors can start investing in the metals that are best suited to their financial needs and short or long term goals.