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From Curtis Rose
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Pub. on May 14th 2013
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Investing in Precious Metals:
A Primer
Investing in Precious Metals: A Primer
For thousands of years, gold and silver have been admired and considered valuable.
More recently, other metals like platinum have been added to the list.
The value of these metals tends to increase over time, so it’s usually a good idea to
include...
More
Investing in Precious Metals: A Primer Investing in Precious Metals: A Primer For thousands of years, gold and silver have been admired and considered valuable. More recently, other metals like platinum have been added to the list. The value of these metals tends to increase over time, so it’s usually a good idea to include precious metals in your portfolio, but how? Which ones should you buy and how should you invest in them? Read on to learn more about precious metals and your options for investing in them. There are several ways to invest in platinum, gold, and silver. Gold Gold is easily the precious metal with the most trading activity. The laws of actual supply and demand do not largely affect the price of gold. There’s a lot of gold above ground that’s simply being hoarded, for lack of a better term. When these investors and hoarders get the urge to sell, the price drops. When they feel like buying, the relatively small new supply is used up and the prices are driven hig
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From Curtis Rose
Tips for Selling Items
to Accumulate Extra Cash
Tips for Selling Items to Accumulate Extra Cash
Experiencing periods of financial strife has happened to almost everyone.
When it
happens, it can bring on feelings of worry and anxiety.
But one way to make some
quick money is to sell some belongings you don’t use or no longer want....
More
Tips for Selling Items to Accumulate Extra Cash Tips for Selling Items to Accumulate Extra Cash Experiencing periods of financial strife has happened to almost everyone. When it happens, it can bring on feelings of worry and anxiety. But one way to make some quick money is to sell some belongings you don’t use or no longer want. From big ticket items to clothing and tchotchkes, you might be surprised what you can sell to thicken your wallet. As they say, “one man’s trash is another man’s treasure. ” Follow these strategies to make the most from your sales: 1. Consider selling almost everything. Make a list of the items you’ll sell room by room and jot down reasonable prices to ask. Don’t worry; you won’t miss them once they’re gone. Are your rooms over-stuffed with too much furniture? Sell your least favorite pieces. Sell that extra recliner in the back bedroom that’s piled with junk. Sell the junk on it, too! Consider selling your SUV that eats too much gas. You don’t use y
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From Curtis Rose
Teach Your Kids About
Money With an Allowance
Teach Your Kids About Money With an Allowance
Taking the time to learn wise financial strategies and putting them into practice has a
great impact on your children.
Research shows that the substantial majority of kids are destined for a financial
future that is remarkably similar to that...
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Teach Your Kids About Money With an Allowance Teach Your Kids About Money With an Allowance Taking the time to learn wise financial strategies and putting them into practice has a great impact on your children. Research shows that the substantial majority of kids are destined for a financial future that is remarkably similar to that of their parents. So what you teach them about money is likely to stay with them for the rest of their lives! You can take advantage of this tendency to prepare your children for a great financial future. Besides managing your own money well so they mimic positive financial choices, you can also teach your kids the practices of frugality, budgeting, saving over time, and much more with effective use of an allowance. Starting an Allowance Try to recognize when your child is ready for an allowance. If you begin too soon, your child won t comprehend the value of the money he receives. Typically, a good starting time is when the child is old enough to und
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From Curtis Rose
THE RISKS OF INTERNATIONAL
Investing
The Risks of International Investing
As an investor, you may have heard exciting recommendations for investing
internationally.
There is almost always an economy somewhere that’s doing well why not put your investing dollars there?
International investing is another way to diversify your...
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THE RISKS OF INTERNATIONAL Investing The Risks of International Investing As an investor, you may have heard exciting recommendations for investing internationally. There is almost always an economy somewhere that’s doing well why not put your investing dollars there? International investing is another way to diversify your portfolio. But what are the risks involved? You may have been hesitant to invest your money in foreign companies, simply because you aren t sure of the drawbacks. Let s take a look at the risks, and you can decide for yourself if it makes sense for you. Transactional Costs If you want to purchase a foreign stock, there can be significant transactional costs beyond what you re used to paying. These can vary dramatically from country to country. These extra fees can include exchange fees, taxes, levies, stamp duties and “clearing fees. ” If you want to avoid these additional costs, you can frequently purchase American Depository Receipts (ADRs), which trade in t
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From Curtis Rose
5 Choices That Waste
Your Tax Refund
5 Choices That Waste Your Tax Refund
The average tax refund is around $3,000; that s a nice chunk of change! However, it s
a dilemma every year for many folks.
Should you invest it? Should you enjoy it?
While there are several good ideas on how to put that money to use, let s look at
several things...
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5 Choices That Waste Your Tax Refund 5 Choices That Waste Your Tax Refund The average tax refund is around $3,000; that s a nice chunk of change! However, it s a dilemma every year for many folks. Should you invest it? Should you enjoy it? While there are several good ideas on how to put that money to use, let s look at several things that it’s best to avoid: 1. Spend it all on an insignificant purchase. You worked hard for that money. Consider using it for something that’s meaningful to you or increase its value with a wise purchase. If you invest that tax refund, it can have a significant effect on your retirement. This is a great time to put the entire amount into an IRA. That $3,000 put into an IRA every year is worth over $180,000 after 20 years at a 10% return. Consider all the things you ve purchased over the last 5 years that got you really excited at the time. Would you rather still have those things or would you rather have all that money back? If you prefer to spend
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From Curtis Rose
BEWARE OF THESE 5Common Foreclosure Scams
Beware of These 5 Common Foreclosure Scams
Everyone that owns a home values the ability to go home at the end of a hard day and
close the door on the rest of the world.
Our home is our sanctuary and a big part of the reason many of us go to work every day
in the first place.
Unfortunately,...
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BEWARE OF THESE 5Common Foreclosure Scams Beware of These 5 Common Foreclosure Scams Everyone that owns a home values the ability to go home at the end of a hard day and close the door on the rest of the world. Our home is our sanctuary and a big part of the reason many of us go to work every day in the first place. Unfortunately, financial challenges can put home ownership at risk; after all, your house is usually your collateral for your mortgage. Unfortunately, there are many companies that attempt to prey on those that are in danger of losing their home. While not all companies are disreputable, many are. Let s look at the most common scams out there. Common Foreclosure Scams: 1. Equity Stripping. In this scam, a mortgage lender is well aware of your challenging financial situation and pushes you to get a larger mortgage to pay off the original mortgage. This larger mortgage has even larger monthly payments than original mortgage. Of course, it’s only a matter of time befo
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From Curtis Rose
ALL ABOUT CREDIT
CARD DELINQUENCY
All About Credit Card Delinquency
Even though credit card delinquency has become increasingly common during the
past several years, most consumers understanding of it continues to be lacking.
Too many of us don’t know how to avoid or solve this personal financial challenge!
The good news is that...
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ALL ABOUT CREDIT CARD DELINQUENCY All About Credit Card Delinquency Even though credit card delinquency has become increasingly common during the past several years, most consumers understanding of it continues to be lacking. Too many of us don’t know how to avoid or solve this personal financial challenge! The good news is that once you gain a more complete knowledge of delinquency, dealing with it is relatively straightforward. When Do You Become Delinquent? What exactly is credit card delinquency? A credit card customer is delinquent when he fails to make at the least the minimum credit card payment. Delinquency is separated into degrees that indicate how many payments have been missed. These ranges are often referenced in terms of days. For example, on the day after the first payment is missed, the holder is one day delinquent. After you miss a second payment, the account is deemed to be 30 days delinquent and so on. Theoretically, a credit card holder is delinquent after j
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From Curtis Rose
DO YOU HAVE ALL THE
INSURANCE YOU NEED?
Do You Have All the Insurance You Need?
Part of your financial plan should include protecting your assets, including your
possessions, as well as your income, loved ones and health-related financial
concerns.
Insurance isn t very exciting, and it can certainly be expensive.
But when
you need...
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DO YOU HAVE ALL THE INSURANCE YOU NEED? Do You Have All the Insurance You Need? Part of your financial plan should include protecting your assets, including your possessions, as well as your income, loved ones and health-related financial concerns. Insurance isn t very exciting, and it can certainly be expensive. But when you need it, you’ll be glad you have it. Unfortunately, there’s no single policy that will give you all the coverage you need. Take inventory of your insurance coverage. Do you have these 5 important policies? Life Insurance Life insurance protects those people who depend on you financially if you die unexpectedly. Consider the hardships on your loved ones if you should happen to die prematurely. How do you determine how much life insurance you should get? Consider these matters: Replacing your income. How much and for how long? Last illness expenses Funeral expenses Would you like to pay off certain debts, like your mortgage, so you don’t leave those behind f
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From Curtis Rose
Institutional
Investing Explained
Institutional Investing Explained
What is an institutional investor? Why should you even care?
The financial markets have complex forces working within them that can affect your
investment profits.
Institutional investing is one of these forces.
Read on to find out
how they can affect nearly any...
More
Institutional Investing Explained Institutional Investing Explained What is an institutional investor? Why should you even care? The financial markets have complex forces working within them that can affect your investment profits. Institutional investing is one of these forces. Read on to find out how they can affect nearly any investment you may be considering. Institutional investors are business entities that invest large sums of money by pooling the resources of large numbers of people. This would include insurance companies, mutual funds, pension funds, and more. Institutional investors have huge holdings and exert a lot of influence on all the financial markets. This alone is a good enough reason to understand what s going on. Institutional investors own over 65% of the stock shares of the largest 50 publicly traded companies in the United States. This number has increased every year and is expected to continue to grow. Institutional investors control over $25 trillion
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From Curtis Rose
Denver, United States
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