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Rarest and Most Expensive Gemstones Ever.

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Animated comparison of a number of the foremost high-priced material (per kg) within the world and the way huge is stacks of cash you may ought to obtain that...

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Gold Melting Process

Extreme superb Casting Gold Melting method. In its purest kind, it's a bright, slightly ruby-red yellow, dense, soft, malleable, and ductile metal...

Finance: Gemstones For Money or Wealth.
Most powerful stone to draw in cash that brings wealth and improves the monetary conditions ar primarily Citrine gem and Diamond, however they must be worn when stone advises from associate degree prognosticator supported Lagna chart.

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Value of UK Homes Soar as Investors Join the Housing Buying Spree

As inflation continued to hit the UK and while the government offered a Stamp Duty Tax break, not a few savvy investors joined the race to buy a real property. Instead of speculating by investing money on traditional stocks, foreign currency or crypto currency, buying a property without having to pay tax on the first GBP 500K value of the purchase price, was a sound investment alternative. Investing on a housing property can be self-liquidating as it can leased or rented out on a contractual basis.
Inflation as we all now it reduces the buying power of a currency. This means that if currently you have the super buying power to purchase a choice property without having to resort to taking out a loan, the value of that asset will increase over time. Real estate after all, always appreciates in value even in times of inflation.

Mortgage-Ready Home Buyers Stayed Ahead of the Race for Space

Those who were mortgage-ready, or have the financial capability to put up equity or down payment, were able to stay ahead in the race to buy a house before the Stamp Duty Tax break ended.
Putting off a decision to buy a house would have reduced the buying power of their equity money. As investors and not only home buyers elevated the demand for a limited supply of housing available in the open market, the buying trend likewise inflated the selling price of real estate.

Why Many First-Time Home Buyers Got Left Behind

Many first-time home buyers were in fact affected. Mainly because the 15% down payment they estimated before, was no longer sufficient. This was in light of the continuously increasing value of homes in the UK housing market.
How did that happen? Supposing that in June 2020, when the average price index of homes was pegged at GBP234,000, they estimated that a GBP35K they had in savings was enough to meet the 15% down payment. However, since the Stamp Duty Tax break spurred a huge increase in buying activities, the prices of properties in the open market also went up.

In not being able to find and buy a home before the Stamp Duty Tax break expired, the GBP35K savings is no longer sufficient. The latest average price of a UK home as of October 2021 had inflated to GBP267k. This denoted that while still house hunting, the equity they have to pay continued to increase. If based on the current average price index, they have at least GBP40k.

This is why the recent spate of home buying activities came to be called “the race for space.” House hunters have been looking for a real estate property that not only provided a decent living place but also ample space for a change. However, they have to find one real quick before the dwindling supply of available houses reaches a price index that they could no longer afford.
That is regardless of the low interest rate on housing loans. After all, the amount due as interest, despite a locked-in low rate will also increase, as calculations will be based on the principal amount of the loan.

To summarize, if the demand for housing increases but not met with a corollary increase in supply, the prices of property will go up. The longer it takes for one to buy a property, the more likely that the buying power of one’s money will diminish.
Here’s a tip: Borehamwood, which is only a 25-minute train ride away from London, has had housing developments in recent years. Those who immediately reached out to Borehamwood Estate Agents for help, lost no time in finding a house that more or less met their requirements and within their budget.

Gemstone Are Precious Like Earth

With gemstones, the earth gives us its most beautiful treasures. Such as imperishable diamonds, blood-red rubies, intense green emeralds, and deep blue sapphires. Aquamarines in the colors of the oceans, purple amethysts, golden yellow citrines, tourmalines in all colors of the spectrum, blue-purple tanzanites, and much, much more. And in the oceans, rivers, and lakes the pearls shining like silk are born. By the way, come and visit this site (https://lacenturylaw.com/car-accidents/)

Gemstones have always appealed to the imagination. Wars were waged for it, alliances were made, friendships sealed, and in recent centuries, above all, love was crowned with it. Many precious stones adorn religious objects such as miters, tiaras, monstrances, and tabernacles, as well as noble crowns and cups. The majority of these art treasures come from the Middle Ages. Visitors to museums and exhibitions are often rightly amazed at the enormous riches that the church and nobility possessed at the time, but also at the matte sheen, the few sparkly colors, and the small life that the gemstones radiate. At the time, many gemstones were already tried to improve color and clarity. Thanks to its porosity, the naturally grey-brown agate could thus be stained into intensively red, blue, or green stones. The natural cracks in an emerald were filled with oil and made almost invisible. Under some gemstones, mirrors, colored papers, or pieces of cloth were placed or they were hollowed out from below to accentuate the color. Over the centuries, these methods, and other newer ones, have been refined to improve the appearance of the naturally imperfect gem. That development is still ongoing. Gemstones have also been ‘counterfeited’ (synthesis) with special equipment for over a century. Just as silk and wool are dyed, they are stained and leather is made from skin, so a gemstone also needs professional support from people. He grinds the raw stone supplied by nature in such a way that the internal brilliance, the play of colors, and the fire become visible to everyone. Gemstone cutters have been experimenting with this for centuries and new, even more, refined cuts are still being developed. But sometimes a perfect cut is not enough.

Diamond

This gemstone appeals to everyone’s imagination. As the hardest natural material on earth, the diamond is the ultimate symbol of durability and love. Most diamonds are cut in a round 57-faceted model, which was designed in 1917. This brilliant-cut gives the diamond its maximum beauty: the sparkling fire and its brilliant appearance. Diamonds are judged by 4 C’s: Carat Weight, Cut, Color, and Clarity. Diamonds completely free of inclusions are highly valued. Although natural inclusions reduce the value, they are also proof of authenticity. Larger, somewhat darker inclusions can reduce the diamond’s brilliance. In such a case, the diamond can be treated. A laser is used to drill a channel (thinner than a human hair) to the inclusion, which is then dissolved or bleached with a special chemical. The borehole and cavity are filled with a vitreous substance; they then become practically invisible. Fracture surfaces that reach the surface of the sten can also be filled in this way. Although the stone looks more beautiful after treatment than before, it does not increase in value. In addition, it is a bit more sensitive to bumps. In addition to the colorless, there are diamonds in various natural colors, from yellow to brown to pink and blue, and even red. The completely colorless and intensely colored toes are extremely rare and therefore very valuable. But the color of diamonds can also be manipulated. By irradiation with convection heating, or the recently developed high pressure/high-temperature treatment can give slightly tinted diamonds a more intense color or be made colorless again. The artificially colored diamonds, often yellow or blue, and pink, are cheaper than the naturally colored stones. It is important that you as a buyer are informed of any treatments. In addition to natural diamonds, there is also a synthetic diamond in gem-quality on the market. Due to the high production costs, the prices of these stones are currently not much lower than those of the natural stones. It is important that you as a buyer are informed of any treatments. In addition to natural diamonds, there is also a synthetic diamond in gem-quality on the market.

Ruby

The blood-red ruby ​​is one of the most precious gems. Since time immemorial, this gemstone has stood for ardent love, leadership, power, and unimaginable wealth. In nature, very few rubies are found without disturbing inclusions and with an evenly distributed intense color. Especially in the countries where they are found, it has been customary for centuries to improve the color and clarity of the stones by controlled heating. The lesser qualities, with cracks and fracture surfaces, are filled with a glass-like substance during the heating process.

Is It Worth Investing In Gemstones?

You can invest your money in a number of ways, not just in stocks or real estate. An interesting alternative is diamonds, but also less traditional gemstones.

How can you invest in diamonds?

The importance of diamonds as an investment and financial security instrument has grown rapidly in recent years. And the reason?

  • Easy storage and portability
  • High resistance
  • Possibility to process them into jewellery

Investing in diamonds is based on the fact that you can buy them anywhere, including online.

Where should you buy diamonds?

There are many sellers of diamonds as an investment. One can buy from a number of middlemen, jewellers, or wholesalers. Choose exactly where to spend your money. The dealer should be trustworthy and verified. Today you don’t have to worry about getting gemstones on the Internet either.

Understanding the Viability and Risks of Investing on Precious Gems

Precious gems are the safest investment options as they are not affected by trends or price fluctuations of other investment commodities, or value of the dollar. However, one has to be a connoisseur in authenticating precious gemstones since their prices do not come cheap, particularly pf the sparkling, multi-faceted diamonds.

They are likewise considered as asset protections since their per carat-value tends to appreciate overtime, rather than diminish the way other investment commodities do if easily affected by economic developments.

Factors that Qualify a Gem as Investment Option

Aside from authenticity, one’s gem stone has to meet certain criteria before he or she can trade her gemstone in the market.
A gemstone has to weigh more than 2 carats at the lest, to qualify as an investment product.

The type of gemstone to be traded has a market value of more than $3000; market value being the price that a willing buyer would pay for an item up for sale in the related market.
As guarantee of a precious gemstone’s soundness in yielding a fairly high value of return over a period of time, the gemstone must have the rarity factor. Mainly because only a few will be able to supply any future demand for the commodity. Aside from diamonds, precious gems like rubies, emeralds and sapphires belong to this category.

The gemstone must be accompanied by a certification of its authenticity as a natural precious stone, as had verified by an independent and reputable gem lab. Only gemstones that have been certified as untainted and treatment-free natural gemstones qualify as investment worthy precious gems.

Are Precious Gemstones Risk-Free Investments?

Although gemstones are regarded as safe investments, they are not totally risk-free options. As it is, the pandemic had affected and continues to affect the global economy. Such a large scale event can also have an impact in the precious stone market.

Market Value Risk

Market risk increases in an event when some precious gem owners would be looking to sell instead of buy expensive gemstones. As in any economic turn of event where the supply becomes greater than the demand, a shrewd gemstone buyer could bring down the market value of a particular gemstone up for sale.

Liquidity Risk

Liquidity is also a risk when investing in gemstones since they cannot be sold easily; possibly even at the fair market value price

Time Horizon Risk

Time horizon risk, is when an investor has a time horizon to consider. Investing in precious gems, albeit the safest, is recommended only for those with greater tolerance for the risks posed by longer time zones.

Time zone being the period of time within which one expects to gain from an investment that is linked to a specific goal. That is why mutual funds, which are the more conservative types of investing because it takes into consideration the low risk tolerance and shorter time horizon of investors, do not include precious stones when looking to balance the investment risks of the mutual fund portfolio.

The Advantages and Disadvantages of Rent-To-Own Appliances

Washing Machine

 

Believe it or not, the ordinary price of a fridge alone could vary from $375 to $12,050 based on the form of attributes you desire. That high cost carries more than nearly every significant home appliance on your property.

If you are attempting to supply a home or perhaps just update your residence’s old appliances, even paying full cost upfront for new versions is not necessarily an alternative. Rent-to-own appliances assist you to update your home without forcing you to cover everything upfront.

As soon as it’s suitable, leasing appliances is not necessarily the ideal option for everybody. Read up about the advantages and disadvantages of appliance rental so it’s possible to pick the best alternative for your financial plan.

The Advantages of Rent to Own Appliances

Renting appliances, if you intend to purchase them finally or exchange them, is a fantastic way to supply your residence. You will have the ability to select from precisely exactly the very exact products you would see in big box stores without needing to pay the total retail cost upfront.

Listed below are a couple of the astonishing advantages of utilizing lease-to-own appliances rather than purchasing them immediately.

Leasing Won’t Damage Your Credit

When you purchase large-ticket items such as appliances and electronics in regular retail shops, you’ve got two options: you’ll pay upfront or you’re able to fund the buy price like getting washer and dryer payment plans. Should you pay upfront, then you will have to have the money on-hand.

If you fund the purchase, then you are in a position to split it into monthly payments using a loan or simply using your charge card. Nevertheless, this can damage your credit rating. The more money you make, the lower your score will probably likely receive.

When you lease appliances, then you have to split up the cost into monthly payments without needing to be concerned about taking a loan out or decreasing your credit rating. Bear in mind, you’re signing a lease arrangement, not committing money.

Will Help You Buy Higher-Quality Products

You often get what you pay for together having appliances. This implies greater quality products which will endure longer nearly always be more expensive.

Unless your budget is remarkably flexible or you’ve got a lot of cash saved up, you will probably have to restrict your choices to the appliances which you could realistically manage. This usually means choosing a lower-quality product which you’ll wind up having to substitute in a couple of decades.

When you lease, you are in a position to acquire access to all these high-quality products which you wouldn’t have the ability to cover. This usually means you are going to have the ability to get more bang for your dollar and can begin creating your dream house more readily.

Adaptive Payment Choices

Renting appliances provides you access to many flexible payment options and lease terms. You’re able to split down the payments to smaller chunks by consenting to a longer lease duration or pay higher costs for a briefer length of time in the event that you only wish to ease into purchasing the appliance.

When you fund the purchase with a loan, then you are locked to the payment arrangements which the lender offers you. They are seldom flexible and should you skip a payment, then you’re going to get slapped with late penalties and high-cost fees that may derail your financial plan.

You Are Not Heard Into Buying

Among the biggest advantages of searching for appliances for leasing is getting the choice to purchase the appliance directly at the end of the rental. Many times, the payments you have made will help depend on the cost of this appliance.

But you are not required to purchase the appliance after the leasing agreement comes to a conclusion. You are in a position to rekindle the leasing or signal a new lease to get a brand new version that better matches your requirements.

 

ALSO READ: Money Management In The Foreign Exchange Market

 

The Downsides of Rent to Own Things

There are a number of advantages of working with leasing to have stores, but additionally, there are a few disadvantages you have to know about. While they might not be intense enough to save you from signing a lease, be certain that you’re acquainted with them so that you may make the best choice for your own personal finances.

You’ll End Up Paying Over Retail

In the end, you are going to wind up paying more for your appliance by registering a rental than you want by purchasing the appliance at a shop. When it will not damage your credit rating, it may wind up taking a toll on your budget in the long run.

If at all you can, attempt to store up to purchase the appliances that you need instead of leasing them. You are going to wind up paying less and are going to have the ability to avert the frustration and strain of monthly funding obligations.

Interest Rates Have Been High

Many leases to get stores to cost you a rate because of your item. This speed may differ from store to shop, however it is often much higher than the prices you would get using a private loan.

Some interest rates wind up almost doubling the purchase price of the appliance within the life span of your lease arrangement.

If the end goal is to purchase a particular appliance without needing to pay the complete price upfront, then you might be better off taking out a private loan. Although you’ll pay attention to the loan, then it will probably be lower compared to the prices the lease to have a business would cost you.

Many Stores Have Hidden Prices

The leasing arrangements you will sign will differ from company to company. Many appliance rental shops add hidden charges in their arrangements you’ll just find if you examine the arrangement.

You might wind up having to pay a penalty in case you skip a payment or just a cancellation fee in case you have to complete your rental for any reason.

 

Semi-Precious and Precious Gems

How can you distinguish precious from semi-precious gems?  Traditionally, the precious gems stones are diamonds, emerald, ruby and sapphire. Semi-precious stones are everything else. Ruby and sapphire are technically the same gem stones, corundum. Emeralds, a beryl is also considered precious. However other beryl like aquamarine are semi-precious gems. Opal that exhibit plays of colors is called a precious opal but not considered as a precious stone. No two gems are the same and since the early times people have done their best to classify and categorize them. The precious and semi-precious distinction goes back to Ancient Greece. Instead of following tradition, let’s evaluate gems based on their own merits. There’s no standard or universal system in determining the value of a gem stone. From a seller’s point of view, precious stones price and value will generally decide by color, rarity and clarity. They would also look for defects in the stone.

Many gem stone buyers still adhere to the 4 C’s when in a hunt for a good deal. They know the gem’s Cut, Color, Clarity and Carat weight. But what if you’re not out to buy a gem? What if you found a gem, would you be able to identify them without the help of a professional?

What can you do?

Before you start, clean your stone with a soft gem cloth. This will remove dirt from your stone so you can get a proper look at it.

Once your stone is clean, hold your gem with tweezers.

Observing the gem’s color is the first and easiest clue when it comes to identifying a stone. Try to observe your gem with just your naked eye in daylight or in a well-lighted area.  Emeralds are red, rubies are red. Hue is the overall color of the gem.

Decide if your stone is translucent, translucent or opaque. Jade would be a translucent gem and onyx is opaque. For translucent gems, if there is fire in your stone, this may be a diamond, or a rare garnet.

What to Look Out for When Investing in Precious Gems

People invest in gemstones for wealth preservation and some for collection. When investing in stones you cannot avoid being scammed and getting fake stones. When you invest on precious gems take note of the following:

  • Do your own research
  • Be diligent. Scrutinize the stones for any cracks or damages.
  • Build your own knowledge, inside and out. Remember gemology is not an easy subject
  • If you have an opportunity to visit a mine, do so.
  • Know which shops and markets you can visit who offers genuine gem stones.
  • Understand how the trading works. It’s very easy to make mistakes.
  • You need to know who to read the stones, whether they were treated, heated or are they natural stones. Remember when stones are heated and treated they would not have the same value to natural stones. Many collectors and investors want the natural stones because it’s the best for them.
  • Always have the proper and correct equipment.
  • Be aware of places where you can test and certify these stones. You need to know the right polishes and cutters as well.

 

5 Reasons Why Life Insurance is a Great Investment

 

Whether you’re married with kids or have a partner or other relatives who rely on you financially, having life assurance is important. life assurance provides money, or what’s referred to as a benefit, to your chosen beneficiary after you die. It can give your loved ones access to money after they need it.

Family at the beach

 

Understanding insurance can facilitate your plan for your family’s long-term financial needs. Here are five reasons why insurance is vital.

1. It Can Help to Financially Protect Your Family

Life insurance, such as the ones being offered by brokers like The Insurance Surgery, is supposed to assist protect your family’s financial future. whether or not you’ve got savings, it’s unlikely that it might be enough to hide your family’s expenses for several years or perhaps decades if something happens to you unexpectedly. Typically, there are three kinds of insurance to consider: term life, whole life, or universal life.

Term insurance

This type of life assurance offers coverage for a group period of your time — generally 10, 15, 20, or 30 years. Coverage expires at the tip of the term. However, most term life assurance policies also offer optional riders that would allow you to renew or convert your policy.

Whole insurance

This type of insurance doesn’t expire as long as you still pay the premiums. It also offers a cash value component that has growth potential. you furthermore might borrow from the cash value, but loans or withdrawals may generate a tax liability, reduce the cash value and benefit and cause the policy to lapse. Loans will accrue interest.

Universal insurance

This type of insurance is analogous to whole life because it also doesn’t expire as long as you still pay the premium, and it also features a cash value component. With a universal life policy, you sometimes have the flexibleness to regulate the premium and benefit. However, there must be enough cash value within the policy to hide monthly charges if a lower premium is paid than the number selected in question or if a premium payment is skipped. Additional premium payments might have to be made to stay the policy in effect. Increases in coverage are subject to underwriting.

2. It Can Replace Lost Income

Whether you’ve got a 9-to-5, are self-employed, or own a tiny low business, your income might cover some or maybe all of your family’s daily needs.

Housing, food, utilities, clothing, car maintenance, and health care premiums are likely all a part of your monthly budget, and even without your income, your family will still must cover these expenses. The benefit from an insurance policy can help provide the funds your family might have to assist cover these expenses. When considering your options, you’ll want to give some thought to employing a life assurance calculator to assist you to establish what proportion of life insurance you will need.

 

ALSO READ: Brexit – What Does That Mean For Consumers, Businesses, And Investors?

 

3. It Can Help Your Loved Ones Pay Off Debt

Certain sorts of debt don’t flee after you die, which implies your loved ones may use money from your estate or dump other assets to hide them. this might leave less money to acquire expenses.

Life insurance can help your loved ones procure any debt you allow behind, including MasterCard debt, business debt, personal and/or educational loans, and mortgage debt. At a time when your loved ones are already addressing your loss, insurance can help ease a number of the financial burdens they’ll experience after your passing.

4. It Can Cover Funeral Expenses

Funerals are expensive. coping with this financial stress can boost the emotional stress your family might experience. Your family could use a number of the benefit from your insurance policy to assist procure these costs. To do this, the beneficiary of the policy could direct a number of the benefit to the funeral parlor, or they will pay out-of-pocket and use the benefit as reimbursement for these expenses.

5. It Can Help to pay money for Future Education Expenses

If you’ve got children, life assurance can help your family get future childcare and education expenses, especially for school. whether or not you’ve already started contributing to a 529 college savings plan, the benefit from an insurance policy can provide additional money to assist cover your children’s education if you were to die.

Protecting Your Family’s Future With life assurance

Understanding insurance and the way much coverage you will need can help when making long-term financial plans. Planning to support your family’s financial stability in the event that you simply pass could help to mitigate the strain and burden of an already difficult time. looking at your financial goals and desires, life assurance can be a vital part of this plan.

 

Knowing the Different Investing Options for Gold

Even if the U.S. economy is showing signs of recovery, trading of securities in financial markets is still shaky, as central banks are only pumping money into the system. Consumer spending to keep businesses running profitably is still limited due to continuously rising prices. That is why investment experts and wealth managers are giving advice that now is the best time for clients to move some of their money in gold. .

After all, gold in particular, is regarded as the safest asset in which to invest one’s wealth because it can provide the best protection against market volatility and uncertainties of global events. Yet there are different approaches to investing in gold, being a high value investment commodity with limited supply. .

How Does One Invest in Gold

The standard allocation of gold investment in a wealth portfolio is up to 10% to 12% of one’s total investments, especially if used as hedge against high-risk investments. Yet physical gold like coins and bullions command a higher price, which at the same time require costly storage costs. Besides, there is greater difficulty in disposing this investment commodity at a high price value once the economy returns to normal.

That being a likely possibility, Investment managers advice against overloading one’s wealth portfolio with gold.

 

As an alternative option to buying physical gold, wealth investment managers recommend investing in Sovereign Gold Bonds (SGBs) instead.

Sovereign Gold Bonds are bonds floated around by governments. Governments issue bonds to raise additional funds needed to sustain federal spending, especially if the government is running with a budget deficit. Instead of selling physical gold being held as backing for the money being printed and circulated, governments issue debt instruments in the form of bonds.

SGBs are therefore government debt instruments, to which the central bank commits a certain amount of gold reserve as guarantee that the holder of an SGB will receive full payment upon maturity.

That being the case, each Sovereign Gold Bond is denominated as 1 gram of gold. The minimum SGB investment therefore is 1 gram, valued at the current nominal value of gold; or the value stated in the SGB bond scheme. The maximum is up to 4 kilograms per investor on an annual basis.

Generally, investments in SGB earn interest at the rate of 2.5% per annum, and are paid every six months, throughout the 8-year term of the debt. The 2.5% will be calculated based on the nominal value of the total grams of all SGBs held by an investor. Moreover, SGBs can also be sold in the financial markets, to which the proceeds received by the selling investor will be subject to Capital Gains Tax.

If you are looking to invest in gold on your own, have awareness that some investment brokers merely offer CDFs or Contracts for Differences as another way of investing gold.

What are CFDs?

CFD relates to a social type of trading that does not involve the acquisition of securities or physical assets. Here, trading simply involves placing one’s money on a proposition that forecasts the behavior of an investment asset like gold, or a commodity like oil or security product like ETFs. Contracts are based on propositions about the resulting difference between a forecast and the resulting actual, or real value of the investment within a specific short period of time.

To learn more about CFD social trading, AstrTraders, a team of expert investment analysts recommends reading their review of Tradeo via this webpage https://www.asktraders.com/broker-reviews/tradeo/. Tradeo is a CFD investment broker and provider of a social trading platform, offering various propositions covering a wide range of investment products; including gold and other precious metals, foreign currency exchanges, equity securities and commodities like oil.

Guide to Buying Precious Gems

Here’s a guide you can follow when buying gemstones to get the most of your money.

  1. Sapphires. These are precious stones which are common in many stores. The most valuable out of all sapphires is the deep ocean blue in color. Sapphires come in many colors like blue, purple, orange, white and yellow. Sapphires are commonly used in engagement rings. They stand for sincerity and faithfulness. The Royal family always use this precious stone as an engagement ring.
  1. Ruby. These precious stones usually come in pinkish hue to a very rich red hue. The richer the red and the clearer the stones makes it more valuable.
  1. Emerald. Comes in a very rich vibrant green color. The most in demand emeralds are those which comes from South Africa. However beautiful these stones are susceptible to damage since they are very brittle. Make sure that you care for it the right way when using one.

What to Look for When Investing in Precious Gems?

Many aren’t aware of the considerations when buying or investing in Gemstones. Here are a few things we should consider when investing in these precious gems:

  1. Quality of cut. To check, take a stone and check if the facets line up on the surface of the gem. Take note that a standard brilliant round or oval stone is the best stone. Check for it’s luster. Check if it is symmetrical and if the facets are all aligned. It is important to look into the bottom or the pavilion of the stone. You can easily determine if the stones are hand cut or not. Look for fractures, this are hair line cracks inside the stone.
  2. Color. Investors usually buy gemstones that are clean. Transparency is another quality an investor looks into. It should be flawless inside. You should be able to see right through it. It should look like a glass with color. Hazy or translucent gemstones are usually cheaper. Also consider the gemstones color saturation.

3 different parts of color in gemstones:

  • Color Hue. Basic recognizable color that we see.
  • Color Tone. This refers to the different degree of lightness or darkness of the gemstones color.
  • Color Saturation. This refers to the strength or intensity of a basic hue.

Birthstones – A Good Investment

Ancient birthstones originated in Poland in the 16th and 18th century. It was in the year 1912 that the National Association of Jewelers issued an index of modern birthstones. This list was not the same with the ancient list of birthstones because it added names of transparent gems. with this list came about the introduction of mother rings. This would layout the birthstones of a a woman’s offspring. This index is continually being used. Jewelry makers continue to add more selections to this index. Some recent additions include tanzanite, bloodstone and spinel. In some countries like the United States, jewelry makers and some enthusiasts of these gems are free to combine stones that suits them. Selling birthstones is financially promising because people see this as something valuable. Even if birthstones are categorized according to month, people nowadays are free to choose which stone to put in that jewelry. Be it the precious gem diamond or a ruby for a mother ring, one is free to choose from the many stones in the list.

 

The Value of Precious Gems is Constantly Stable

It’s called precious stones or gems because it’s collectors believe that it’s a fascinating and prized piece of jewelry that should be treasured forever. These stones even since the earliest time in history have always been part of the human culture. For many years these precious stones represented wealth and power. Money and precious stones are associated with each other. Nowadays these precious stones are continually highly to increase one’s asset and investment. Many who invest in these precious stones are cautious and careful. They have the right knowledge when doing business. Many who invest in precious stones believe that this is a profitable asset as it continues to appreciate in value overtime. Many investors prefer to put their money in precious stones because of lower investment risk. Even if the value of money constantly fluctuates, the value of precious gems is constantly stable. Despite the economic set back we encountered during this pandemic, it’s value stands strong.

 

Precious gems: Good investment?

Gemstones are considered to be a classic currency in crisis, as they offer good protection against inflation due to their stable value.

 Note to remember

Like investments in precious metals, diamonds and colored gemstones, unlike stocks, bonds or real estate, do not generate any ongoing income. In order to make a profit with them, therefore, only a sale at a higher price is possible. In addition, as a promising investment, gemstones always require a long-term commitment. They are only suitable for patient investors who have the time and can afford to wait for the value of their precious stones to increase slowly and continuously.

If you are short of budget for your investment, you can make use of emergency loans for Covid 19.

Advantages of investing in gemstones

Gold performs the same function as gemstones in terms of protecting against inflation. However, gemstones have two decisive advantages over precious metals: On the one hand, their weight makes them much easier to transport. For example, a ruby ​​or emerald of outstanding quality, weighing just a few grams, can be worth the value of a one-kilo gold bar. This extremely high mobility of gemstones justifies their reputation as the perfect escape currency. On the other hand, the price development of gemstones usually shows a much smaller fluctuation range than the prices of gold. The lower volatility makes investing in gemstones attractive even for investors with a low-risk appetite.

Note: Gemstones set as jewelry, such as rings or pendants, are not suitable as investment objects. When it comes to the price of jewelry, not only the value of the materials but also the design and the cost of manufacturing play a decisive role.

Disadvantages of investing in gemstones

There is no regulated market for gemstones. Unlike gold, for example, there are no official rates for gemstones. The income from selling the stones is ultimately dependent on how much a potential buyer is willing to pay. Here, too, there is no guarantee of an increase in value. In addition, sufficient time should be planned for the search for a buyer. In addition, without the appropriate specialist knowledge, there is a high risk of buying overpriced gemstones from dubious dealers, which later have to be sold again at a lower price. Thus, the appreciation by one or more experts is advisable.

Alexandrite: The “Color-Change Gem”

Have you heard of the gem called Alexandrite? It is also famously known as the “color-change gem”. It gained this name since it changes its color. During the day it holds a relaxing arctic and greenish color. When under a warm light it’s reflecting a lovely red gem with a pleasant raspberry inflection. You can experience its color change by switching from daylight to warm light. It is more valuable as its color change becomes more noticeable. Not only is it rare, and expensive but it’s very mesmerizing. Some people who own this kind of precious gem feel its magic and energy attributed to it. Its first discovered in the beautiful Ural Mountains in Russia in the early 1800’s. This gem can also be found in Brazil, Sri Lanka, and parts of Africa.

The Big Four

Precious stones are expensive because of their hardness and rareness. Precious stones or gemstones as it is also known are more valuable than semi-precious stones.

Generally, there are four popular precious stones, they are also known as the big four:

 

  1. Diamond: This precious stone is known for its hardness and age. Natural diamonds ages between 1-3.5 billion years! They are composed deep in the earth’s mantle. They are made up of carbon and these precious stones are very rare. They are sold by the carat.
  2. Emeralds: They are known to be beautiful gemstones. They are colored stones mostly they have a distinctly rich green color. They are valued more depending on their color. Emeralds are rarer than diamonds. Another fact one should know is that it’s the softest precious stone among the four.
  3. Ruby: This precious stone is known for its reddish color. Its value is affected depending on its color, clarity, and cut. The most valuable rubies are the ones called “blood-red” or “pigeon red”.
  4. Sapphire: They are known as the blue gemstone. It is popular and valuable because of its beautiful color, firmness, brightness, and its durability.

Gemstones a Promising Investment

Putting money in precious gems is not just for the wealthy.

When people hear the word precious stones people think it’s hard to invest in it. Frankly speaking, ordinary people can put their finances to it. They will realize that it’s a very good investment. Gemstones do not easily depreciate. A good return on investment is foreseen. Investors who usually put their finances into these precious gems are likely to earn.

Alternative Investments – Investing in Gemstones

 

Learning the trade on precious gems will be beneficial for all interested investors. One must invest not only in money but time, perseverance, and should be well versed in these gems. Many who tried have improved their financial position for the better.

Global Demand for Gemstones Declined in 2019

It’s not been a dazzling year for the diamond industry: global demand for gemstones declined in 2019 in the first three quarters. This is shown by a current study by the management consultancy Bain & Company and the Antwerp World Diamond Center. Diamond jewelry is expected to decline in sales by around two percent throughout the year, while rough diamond business is likely to have slumped by around 25 percent.

The sector is particularly troubled by the trade dispute between the United States and China. The conflict unsettles the Americans and diminishes buying pleasure in the US market, which is important for diamond sales. In addition, fewer tourists from China came to the United States in 2019, and a new extra inch of the US-made Chinese jewelry more expensive by 15 percent.

In Europe too, political instability is putting pressure on the consumer climate. According to the study, Brexit and the ongoing demonstrations in France are the main reason for the falling demand for the precious stones.

The weakening diamond market is hurting mine operators. After the mining of rough diamonds reached a record high in 2017, the producers apparently couldn’t get rid of their stones afterward. The unpleasant consequences in the past year were falling prices and falling profit margins. The mining companies now want to counteract this – and stir the drum. Marketing spending in the diamond sector reached a record high in 2019. In total, the producers invested around 200 million US dollars, around 183 million euros, in advertising measures. In addition, the production of rough diamonds has been reduced by around seven percent since 2017.

Despite the marketing offensive and the decline in funding, the study predicts a slow recovery for the diamond market in 2020. In the long term, however, the sector is beginning to stabilize. It is said that consumers see diamonds as a permanent investment, especially in uncertain times. Large producers such as Alrosa, De Beers, or Rio Tinto are therefore striving to keep the mining of rough diamonds stable in the long term. The statistics portal Statista also sees a long-term trend towards stabilizing production and also predicts a slight increase for 2020. According to this, around 157 million carats of rough diamonds will be mined this year.

Precious Stones That Attract Wealth, Prosperity And Abundance

There are diverse and plentiful of ways on earning money. For instance, in today’s modern world, investing in cryptocurrency is an option. Moreover, employing the use of crypto signals for real-time trade suggestions for a favorable trade as well as to ensure that loss is kept at minimum or at zero is an excellent option.

Money, prosperity and wealth could befall on us in various ways. However, we are frequently hesitant because of our self-limiting attitudes and beliefs as well an incorrect mindset.

At some point in our lives, we have been provided with some financial advice, such as saving up for retirement, cutting down or doing away with impulse buying, and making sensible investments. However, many have perhaps not been advised to make attune their energy to prosperity and wealth.

Attracting Wealth, Prosperity, And Abundance 

Crystals that radiate the energy of prosperity and abundance might just be the most unusual investment you would make. However, with these types of crystals, they open you up to self-confidently recognize, accept and embark on opportunities for wealth, prosperity and abundance. Once you manage your business or pursue your career with an optimistic outlook and attitude, wealth, prosperity and abundance will surely follow.

Crystals for prosperity, wealth, as well as success could deliver an energetic stratum of support as you work at your profession or investing or business efforts. Every single one of these crystals function distinctively to effect that success, wealth, prosperity and abundance you seek. Amalgamating these energies radiated by these stones with your own intent is the most effective way to obtain an abundant stream of wealth and prosperity.

With this in thought, below are some of the best stones to help attract wealth, prosperity and abundance in your life, whether it’s about making sensible decisions on spending, getting rid of debt or generating more income.

  • Pyrite

Identified as “Fool’s Gold,” pyrite is a mineral that is brassy in color. However, in terms of manifesting abundance, there sure isn’t anything foolish about it. Taken from the Greek term pyr which means fire, its cube-like formation perfectly reverberates the energy of gold to attract money. Moreover, aside from aiding you to shift towards a moneyed future, it also kindles vitality, courage as well as persistence which are excellent energies in a workplace.

  • Citrine

Known as “The Luck Merchant’s Stone,” citrine is frequently linked with financial success especially in a business. It is said to be one of the crystals that is most powerful in drawing in money. It isn’t only helpful in rising above obstacles to earning wealth, but also in keeping and sustaining this flow of money. In addition, this stone emboldens you to be more generous, as generosity could produce a loop of wealth benefiting not only you but others as well. Also, citrine will help you strengthen your intention of cleverly saving and spending money.

  • Green Jade

The Lucky Charm and Sovereign for Harmony, the healing and restorative energy of the green jade could remove limitations that are self-imposed, particularly those associated to feelings or attitudes of not being worthy or deserving enough to receive money or wealth. Green jade has been utilized by various cultures as a lucky charm, instead of getting wealth instantaneously, it enriches and prolongs your energy and concentration when working on realizing financial goals.

The following are other precious stones that you could research on to help you magnet wealth, prosperity, and abundance in your life:

  • Green Aventurine (Opportunity)
  • Tiger’s Eye (Mind)
  • Peridot (Study)
  • Clear Quartz (Master Healer)
  • Malachite (Transformation)
  • Amazonite (Hope, Success, Abundance)

Is it Worth it to Invest in Gemstones

Ring, Gold, Pearl, Pearls, Brilliant, Gemstone

In today’s century, it is important to work hard and earn money in order to yield great results- whether it is by way of asset creation, immovable property, land, buildings or establishments, or buying gold, and lastly investing in attractive stock options and mutual funds. All of these are great investments as long as you diversify your investments. Stocks and mutual funds are proven great place to put your money in to. But buying golds and gemstones are still a debatable issue nowadays because there are people who just buy it for temporary happiness even though they cannot afford it. As a result, their credit history becomes negative. Hence, they look for great post to read on wholesale tradelines since tradelines are becoming more in demand these days.

Gemstones are believed to be a great way of squeezing a large pile of cash into the most compact asset that can even be put in your wallet or pocket, a kind of asset whose value  has only increased going by the historical data. 

Even though diamonds are being sold very well in the market, and become a popular investment position, gemstones that are colored are not that popular but they are pack in more punch than sparkly diamonds. Say, for example, an unheated Burmese Ruby of 8.62 carats sold for $3.62 million at Christie’s in 2006 and set a new world record price for an unheated Burma ruby at $420,000 per carat. 

Is Investing in Gemstone really great option? 

There are a lot of options when it comes to investing. But if you have tried most of the options and you are thinking of ways to invest your money and you are having second thoughts whether to buy gems, then just keep on reading. You need to know that a gemstone that is at least above 2 carats of weight is a contender for the investment category and must command a market value of over $3000. It must have the unique and rarity factor soundly addressed in order to be able to ensure great return of investment over a short period of time.

Gemstones are indeed very attractive investment option if you are the type of person who is really in to a finer things. In some cases, it appears to be the best choice especially when tremors in any of the areas such as stocks and mutual funds give you jitters.

One thing to look in to why gemstones are still considered as precious investment is that it is not that easy to make it usually takes years before it is made.

Best Way to Look for a Caravan Finance Deal

Travel-hungry Australians are optimistic over fulfilling their wanderlust that was suppressed after more than a year of nonessential travel restrictions. Reports have it that state governments are quietly opening borders, which means interstate travel is now possible. Not a few Aussies are now shopping around for caravan loans so they can buy one that they can use for their future staycations.

Still, before searching frantically for a caravan financing deal, there are some important research actions to perform. Have awareness that the lifting of interstate trave restrictions depends on decisions made by state governments, including the requirements that travelers must take or present before entry is permitted.

Don’t Be too Quick to Enter into a Caravan Finance Contract with the Dealer

While traveling with a caravan as ready accommodation, is a cost -effective and safe way of spending a planned staycation, don’t be in a hurry to close a caravan finance contract with a dealer or even with a bank. Based on the recent report released by Zip Weekly Index, orders or new caravans will take up to the end of the year to get served since caravan sales in Australia, rose by as much 242%.

The waiting time can work to one’s advantage as it gives a caravan buyer more time to shop around for the best financing option. After all, caravans don’t come cheap and require a hefty down payment. Not unless a person has enough saved to splurge $60,000 or more to purchase in cash.

Shop Around for Caravan Loans by Filling Up Online Loan Pre-Approval Applications

Be wary of dealership offers as the financing deals they put forward are oftentimes self-serving and profit-driven. While there are numerous banks in Australia that offer personal loans to provide the money to use in purchasing a caravan,

it would be to a person’s advantage to first find out the amount of loan that different banks are willing to extend. In order to find out, use an online Loan Pre-Approval tool that most car loan brokers offer for free-use at their website.

Why You Need to Use a Caravan Loan Calculator?

Savvy consumers also look for a Caravan loan calculator to find out how much they need to set aside for monthly payments due on each of the loans pre-approved by different banks. In case they think the monthly payments will overwhelm their finances, they use the loan calculator to modify their pre-approval application.

Modifications may include lowering the principal amount that an applicant intends to borrow, or extending the loan term in order to reduce the monthly payments. While extending the loan term denotes paying more in interests, some others modify repayment frequency. Mainly because the overall costs of the caravan oan be reduced if the loan is settled in the shortest time possible.

Still, even if a loan applicant gets to craft a loan option that best fits his personal financial circumstances, not all banks will be willing to deviate from their standard loan schemes. The best way to look for a lender who sit down and negotiate a loan that best suits a loan applicant’s paying capacity is to hire a finance broker; specifically a broker who has experience dealing with caravan financing.

National Loans Australia for one, makes commitments to negotiate auto loan deals on behalf of clients, not only for cars, but also for other vehicles like motorcycles, boats, caravans and even for commercial vehicles. Here, the team of finance brokers have had years of experience in negotiating loan applications that have been crafted based on the financial capability of individual borrowers.

Maintain Your Business Cash Flow – Work With A Reliable Debt Collector

In the first three years of business operation, over 50% of small and medium enterprises (SMEs) in many regions around the world shut down. However, this isn’t a surprise because of the endless challenges that many business owners encounter and have to face every day. One of the common challenges that many small businesses deal with which forces them cease operations are issues on cash flow.

A Good Steady Cash Flow Keeps Businesses Afloat

Regardless of the size of the business, good cash flow is needed not only for the business to survive but for it to grow and thrive as well. Without a good and steady flow of cash, business owners are unable to effectively and efficiently carry out daily business operations and also greatly affects the capacity of owners to fulfill their other obligations too such as paying their workforce and their suppliers.

One of the major reasons why many SMEs experience poor cash flow is due to unpaid invoices or delinquent accounts by unreliable clients or customers. Although many businesses exhaust all efforts to be paid what is due to them, there are still those who evade making payments for the products and/or services they acquired.

Partnering With A Reliable Debt Collector

If all fails, businesses partner with a debt collector to help them recover these unpaid invoices or debts. By partnering with a professional debt collection company, business owners can increase their chances of recovering these delinquent accounts and ultimately restore the health of the cash flow of the business. Furthermore, working with a reliable debt collector will allow business owners to concentrate on other important aspects that are crucial to the growth of the business rather than allocating all the time to chase customers for payments.

Many businesses have begun to recognize the many advantages of contracting out particular aspects of their receivable accounts to a reliable and professional debt collector. Let’s take a look at a few of this advantage:

Effective Collection Methods and Tools

An experienced debt collection firm has effective strategies, tools and processes to recover debts. Many debt collectors are tactful, sound negotiators, persistent and also have a good understanding of the human psychology. They too are well-versed and updated with various laws, jurisdictions as well as procedures to legally carry out the debt collection process.

Maintain Brand Reputation

Many businesses think that when a debt collector is involved to collect delinquent or overdue accounts, this might alienate clients or customers, however working with a debt collector can actually be favorable for businesses. A reliable debt collector can deal with the issue in a subtle and sensitive manner wherein clients or customer are still able to save their reputation especially when the reason behind the non-payment is genuine enabling them to continue doing business with you even after the debt is settled.

Debt Collectors Are More Influential

When customers receive a notification from a debt collection firm, this has more influence or impact on the customer or client compared to receiving an email or a phone call from the accounts team of the business. When you involve a third-party to collect debt payments, this will show that you are serious about your receivables. Moreover, most debtors are aware that they cannot indefinitely ignore a polite demand for debt payment as the know the processes that debt collection agencies take until the payment is settled.

 

Sports Betting As An Investment Opportunity

When wagering on game judi bola, we’re compelled to make numerous important decisions as these will determine our chances of winning. Game judi bola, the Indonesian for soccer gambling game, is one of the most popular and widespread form of gambling that many people from around the globe engage in as it is not only very entertaining but also potentially lucrative. For this reason, many experienced bettors see sports betting such as game judi bola, as a form of investment.

Sports Betting – An Investment Opportunity

There are those who believe that sports betting is a feasible alternative form of investment. Similar to established kinds of investments, sports betting can yield negative or positive returns. But since it is a form of gambling, variance as well as luck are components that needs to be considered. But then again, if done right and properly, sports betting can actually be a good investment opportunity.

Before you even begin wagering on sports, you need to determine your purpose. You need to know why you are participating in this kind of activity in the first place. While some find the question rather difficult to answer, there are merely two answers to this, either you wager for the entertainment factor or wager to generate a profit.

Knowing the answer to this question is imperative since your objectives or goals will influence the way you wager as well as your overall strategies and approach. If your objective is to be entertained, your approach will be directed towards having fun. On the other hand, if your aim is to earn regular and consistent returns, your approach will change and it becomes a bit more difficult since you will need to make certain that you actually make profits. And to do so, you need to be open and ready to learn, just like investors do.

A Few Tips To Make Good Profits

Below are a few tips to consider if you would want to be serious bettor and make sports betting a worthwhile investment.

Have an Effective Data-driven Approach to Sports Betting

A lot of people presume that their familiarity on a certain sport gives them a great chance to make money by wagering in sports. This, however isn’t the case. It is imperative for a person to have sufficient statistical data on sporting event and matches that have taken place in the past. Other than this, slight injuries, comments of coaches, as well as the weather conditions when the match took place are also crucial data to have. All of these and more are vital in order to come up with an effective strategy for betting.

Have a System for Bankroll Management

The goal of each investor is to have a decent Return of Investment (ROI). To do the same thing in gambling, you need to have a bankroll management system. In the long run, those who don’t manage their bankroll lose so much of their money. When they lose, sports betting companies get the profits.

Make Value Bets

Value bets are referred to bets made in betting markets that are undervalued. At times, bettors tend to stay on a certain betting line. But you don’t need to have a winning track record in order for you to generate a decent profit doing sports betting. Making value bets provides you an opportunity to actually make more profit compared to the same amount of wagers made by other individuals on a certain betting line.

4 Truths About Money After A Car Crash

Car Crash

 

Being involved in a car crash can be a frightening thing. However, you need to be worried about more than only the psychological injury that could go with it. The reality is automobile accidents could be expensive and may impact you in more ways than you. These are a couple of ways a car crash can hit on your wallet.

You Will Need to Fix or Replace Your Vehicle

To start with, based on the intensity of this crash, you might get a junked car that you need to replace. If your car isn’t totaled, you need to be concerned about getting it mended. If the accident was the other driver’s fault or in case you have a crash insurance policy onto your car or truck, then you might not need to pay a lot of pockets. Otherwise, however, you may be the person who must pay to fix or replace your vehicle. Additionally, it is a frequent myth that you are able to crap the vehicle that is secondhand, however, based on The Clunker Junker, when there’s still a lien on the auto, you will not be in a position to.

You May Miss Work

If you are hurt on account of the automobile crash, then you may discover that you’ll get rid of a good deal of cash in the kind of lost salary. In the end, following an accident, you may not have the capacity to come back to work straight away. You can also need to miss work for things such as coping with your broken or totaled automobile or assembly with a lawyer or insurance plan. Obviously, these items can impact your financing.

 

ALSO READ: 5 Things To Consider Before Pawning Your Precious Gems

 

You Might Wind up With Medical Diseases

Medical bills following an automobile crash may accumulate. Based on Ahlander Injury Law,”Automobile accidents may cause harms which could vary from minor whiplash accidents to bones, broken bones, acute spinal injuries, and even death.” Even though your injuries were not severe, you might wind up getting costly bills in the hospital or physician’s office which you need to pay for. If your injuries are important, then you might wind up having to cover surgeries, physical therapy, and even much more.

You Might Have Legal Fees

If the accident wasn’t your fault, then you could be thinking about hiring a lawyer that will assist you to get a settlement. If the accident was your fault, then you might need to employ a lawyer to help protect you. In either situation, you may expect to pay some legal fees associated with your injury, which may have a fiscal effect.

Getting into a vehicle crash is not inexpensive. It may cost you money in many ways — most of which can be inconvenient. Luckily, there are options like auto crash loans that you can get to help you cope with the financial catastrophe it could cause you. Be certain you are cautious when coping with the aftermath of your car or truck injury to avoid paying more than you must.

 

 

Money Management In The Foreign Exchange Market

To be successful in the forex market, there are crucial factor to bear in mind. If you are new to Forex trading, looking for the right forex broker is one of the initial stages in order for you to have an efficient and successful trading experience in the foreign exchange market.

What To Consider When Trading In Forex

For example, there is a large number of forex brokers in Indonesia and choosing the right one could be a daunting task. Providentially, broker forex terbaik di Indonesia provides a number of reliable brokers. Moreover, they are also regulated in the forex market which means you can be sure that they are trusted and have and safe and secure trading platform with the features and tools you need for a fruitful forex trading. Broker forex terbaik di Indonesia are knowledgeable and have what it takes to help you in your trading.

While it is important to carefully choose the right forex broker to help you in your trading, you also need to have an abundance of patience, the right training, as well as being able to swiftly adapt to changes and updates in the market, among others.

Just like any other trading markets, the foreign exchange marketplace has risks attached to it too. It is then essential to have sure fire organization and plan to make certain you don’t lose all that you have. Hence, another factor to consider is to have an effective money management system.

Money Management In Forex

A proper money management plan in the Foreign Exchange market can help in identifying risks ahead of time, develop discipline, and safeguard your portfolio. Before giving you some Forex money management tips, let’s first find out what money management is.

As the term implies, money management is handling funds. It is your capacity to effectually handle your earnings as well as your investments so as to lessen or avoid risks that are out of your trading methods. In Forex trading, a lot of traders who lose money is due to them having insufficient knowledge, understanding and experience leading towards a lack or even complete disregard of fundamental money management principles in their plan in trading in the Forex market. So, forex traders cannot afford to not have a good money management plan. With that, here are some money management tips to help you cut down or evade risks and achieve success in the Forex market.

Here are some Forex money management tips you need to check out if you want to succeed:

  • Decide the amount of money you can risk on every trade you make
  • Never overtrade
  • Cutback on your losses and allow your profits to run
  • Utilize Stop Loss orders at all times
  • Calculate position size
  • Have a good understanding of currency correlations
  • Don’t let greed take over you
  • Pursue trades that have at least 1 reward-to-risk ratio
  • Make use of trailing stops to secure your profits

Brexit – What Does That Mean For Consumers, Businesses, And Investors?

Great Britain left the EU on January 31, 2020. Although the relevant agreements are in place, the longer-term relationships are still not clear. If there is no viable trade or association agreement between the European Union and Great Britain by the end of 2020, the scenario of a so-called “no-deal Brexit” threatens again. So the British exited from the EU without an agreement.

This would presumably be the worst option for everyone involved. Then from one day to the next, nothing would be the same as before.

What would a “no-deal Brexit” at the end of 2020 mean for consumers?

Anyone planning a vacation, shopping online at retailers from Great Britain, or anyone doing business with banks or investments should keep an eye on a possible “no-deal” at the end of 2020. When shopping online there is a risk of taxes and customs. When traveling to the UK, overseas travel insurance is more important than ever.

A no-deal Brexit will not change the quality, effectiveness, and safety of drugs. The European Medicines Agency has moved its headquarters from London to Amsterdam. Temporary bottlenecks in the supply of certain pharmaceuticals due to a no-deal Brexit are unlikely but conceivable. Unfortunately, such bottlenecks can be observed again and again. The EU Commission, the European Medicines Agency, and the national regulatory authorities will monitor the situation very closely after a no-deal Brexit and advise affected patients and doctors if necessary.

If possible, get things done in the UK before December 31, 2020. Everything is open.

What to consider when traveling

UK travel rights are largely the same as those of the EU and will apply until the country introduces new rules after a Brexit that will take a while. However, there are still some uncertainties, especially when it comes to an entry visa, bus travel, illness abroad, roaming, and travel with UK package dealers.

What to consider when shopping online

When shopping online from a UK seller, here are some things to consider now.

Various EU consumer protection rights also apply to you for purchases outside the European Union. For example, you can return the purchased product within 14 days and are entitled to a refund of the purchase price. You are still entitled to at least two years of warranty on your product. And you are protected against unfair business practices such as advertising with false prices.

But be careful. It can be very difficult to enforce these rights outside the European Union in a dispute in court. Because in addition to a German court that may decide for you according to local regulations, a British court must then always be called in, which will examine again – and may come to a different conclusion under British law. There are currently rights of withdrawal in Great Britain – after leaving the EU, however, Great Britain can set such standards differently.

In the event of a conflict between consumers and retailers based in Great Britain, consumers will no longer be able to use the EU platform for online dispute resolution in the future. Because if Great Britain leaves the EU without an agreement, the EU regulation on out-of-court dispute resolution and online dispute resolution no longer apply to Great Britain.

So when you buy more expensive online, you should really think twice about ordering from retailers outside the European Union. If you have any questions or concerns, you can contact your consumer advice center.

What to consider when dealing with money

If you have an insurance policy, a loan, a bank account, a financial investment, or a pension with a provider from Great Britain, the main thing before a possible no-deal Brexit is – don’t rush it!

In particular, the stock markets and the exchange rate of the British pound have reacted to events such as the announced Brexit with strong price fluctuations. Even if Brexit takes place, that can happen. Investors should be patient, however, hasty decisions run the risk of losing money.

Experience shows that turmoil in the financial markets can sometimes go as quickly as it came. Turbulence can also last for years and losses can be permanent. In any case, no one can foresee long-term changes in trends.

Private investors who hastily buy or sell shares, investment funds, and/or other securities because of Brexit are acting contrary to their original, long-term investment strategy. Regardless of whether this decision turns out to be correct, the transactions will again cost fees.

Philippines A Mineral Rich Region Yet Still Facing Persistent High Levels of Poverty

The global mining world looks to the Philippines as a mine-rich country, yet the latter is still a nation with the most persistent high levels of poverty. Currently, even the Philippine government’s nascent standing as a world leader in online gambling is in peril, as a growing number of Philippine offshore gambling operators (POGOs) are migrating to other gambling regulatory countries.

In March 2019, Gulf News Asia reported that the Philippines has the world’s second-largest gold deposit in the world. According to the Mines and Geosciences Bureau (MGB), the Philippines’ gold mine output in 2017 was 22.749 metric tonnes, representing only .0722% of the world total gold output of 3,150 MT in the same year. The figure had in fact went down to 20.765 metric tonnes in 2018, while the world total in 2018 increased at 3,503 metric tonnes of gold.

What’s Stopping the Philippines from Harnessing Its Gold Resources?

In March 2019 Gulf Asia News carried an article explaining why this Asian country is not regarded as one of the heavy players in the global gold mining industry. The article cited the fact that the country’s mining sector is largely untapped because mining operations, particularly for gold, can be difficult due to the nation’s political instability and proneness to turmoil.

While the predominantly Muslim, Bangsamoro in Mindanao and the Bicol region in Luzon are two of the mine-rich provinces in the Philippines, they are also the regions with the highest levels of poverty, based on reports released by the Philippine Statistics Authority (PSA). The Bangsamoro has been the subject of pacification campaigns for several years, while the rural areas of the Bicol region are heavily infested with Communist-leaning rebels.

 

Online Gambling Sector in Peril as POGOs Exit

The Philippines hit a gold mine, so to speak, when President Rodrigo Duterte embraced the online gambling industry upon his assumption of office in 2016. The country became an important actor in the international igaming industry when it took on the role of overseer of offshore gambling businesses in Asia.

Although the country collected as much as USD126 million in taxes from POGOs in 2019, the government is currently on track to receive less as revenues have gone down by as much as 40% in September 2020.

Although the pandemic is a contributing factor to the decline, the greater issue faced by the Philippines’ online gambling industry is that only 111 of the 218 POGOs have been allowed to resume operations post COVID-19 lockdown. The main reason being the rest were not given clearance by the Bureau of Internal Revenue for failing to make up to date payments on taxes due.

Many POGOs feel that they are being overtaxed, more so now that President Duterte approved the legislation that raIsed POGO taxes from the previous 2% to 5%. The latest report from the Philippine Amusement Gaming Corp. (PAGCOR) is that 42 operators have already requested cancellation of their POGO licensing.

In an October 2020 news report from the IAG Newsdesk, Isle of Man-based service provider Affinity Group confirmed that there’s an uptake of Philippine licensed offshore gambling operators expressing interest in getting their license in the Isle of Man. Mainly because the low-cost advantage of operating in the Philippines is no longer applicable.

Aside from the hiked 5% tax, POGOs have to pay PAGCOR hefty amounts in monthly regulatory fees and Value Added Taxes on rentals of premium commercial spaces that serve as local offices.

It is not clear though if the company operating 918kiss online casino, one of the most accessed online gambling sites in Asia, is among those that have put forward a request for cancellation of license. This is important since most Asian gamblers trust only licensed gambling sites.

Foreign Exchange Struggles that All Import and Export Companies Face

In our increasingly connected world, it is simpler than ever for individuals to get their hands on products from throughout the world. However, for importers and exporters, that connectedness has generated plenty of fresh and a few not so new challenges. Check out latest Forex brokers to learn more about foreign exchange.

Here would be the best global payment hurdles facing importers and exporters, and how working forex experts can assist to conquer them.

Sophisticated payment programs

Importers and exporters have several very complex payment programs in the company world. Whether the company sells its products directly to customers or as a wholesale operation, it is probably accepting payments in one money and making payments in a different. People may even have several distinct currencies operating through the company at any particular time. Most importers and exporters are choosing to utilize a forex expert to not just help organize those obligations to make sure the ideal sellers receive their cash, but also to handle the motion of the cash in the surface of the varying currency marketplace.

Managing money volatility

The money market is continually shifting, and in case import and export company is creating and accepting payments without even detecting those moves, it might be losing money with every transaction. Managing currency risk isn’t merely about making the dollar go farther in the worldwide market, but also about hedging from these market changes. Tracking the worldwide market is a fantastic way to get company before unfavorable currency valuations. But, that is not just time-consuming, but frequently needs a global forex specialist’s attention to understand what behavioral events to search for, what affects may anticipate from particular market changes, and the way to best protect the business.

Making cheap payments

There’s no shortage of fiscal instruments out of market orders to forwards contracts and everything in between to assist import and export companies like manage their global payments and get the maximum from their money industry. Using a profusion of different vendors and providers, an export and import company is most likely sending cash to several distinct payees each month. Specialized foreign exchange businesses have access to a vast selection of international payment goods, in addition to the specialist knowledge they should educate about the best goods for specific scenarios. Accessibility to the ideal products can help the organization save money by locking in the desired speed, benefiting from favorable market conditions, as well as saving on charges or service fees.

Incorporating variable prices

Based on the business function and the arrangement of the company, prices and earnings might be tied to various commodity markets. That adds yet another layer of sophistication when it comes to handling international payments. Importers and exporters such as the need to think about duty obligations and taxation payable to various nations and areas and the currencies in which payments will need to be made. Those distinct layers of money exchange, paired together with the movement of cash into and from different company accounts, make it even more critical for export and import companies to have a currency expert on their side.

The way the worldwide forex experts can help

Forex experts can help monitor the foreign exchange market with the company in mind. They can make and accept payments for the benefit, ensuring that the trades make are as valuable to the bottom line. People will also have access to a vast selection of financial instruments, backed by the experience that will need to leverage the marketplace.

The Benefits of Investing in Precious Gems

Investments have been a staple to many people and businesses all over the world because it provides both present and future long-term financial security. The rise of new investment plans and types have been increasing in recent years but Investing in Precious metals has been and will always be on the top of the list.

there are a number of advantages to investing in precious gems, some of which include the fact that they are tangible, transportable, and can be easily liquidated. Investing in these metals require no special skill or knowledge to execute perfectly.

Through gem investments, one can look and feel good while getting their money’s worth. Style and Security- you get the best of both worlds.

Reasons to keep an overview of your finances

It can never be denied that the future is extremely unpredictable. No matter how hard you try, there are things you cannot plan for. However, what you can do is prepare. It is therefore very important to always have an overview of your own finances. This will give you a solid understanding of your liquidity, income, and liabilities. Additionally, it reduces financial stress, supports your current needs, and builds a safety net for your retirement.  One of the ways to have money upon retirement is to invest in precious gems.

Why financial planning makes sense – what does it mean?

As a rule, you shouldn’t spend more than your income. Regrettably, this is not always the case. There are many debts to be paid, forgotten expenses, and many spontaneous but important purchases. Sometimes the account even has to be overdrawn because money is needed immediately. That is why financial planning is beneficial.

A big or small income, financial planning helps you manage your finances. This includes a budget book or financial software that you can use to record information about your cash flow, exceptions, income, savings, debts, investments, insurance, and more. Just as you use online gambling sites such as dominoqq, you can take advantage of some financial software apps. Financial planning gives you an accurate picture of where your money is going and helps you define tactics for achieving your financial goals.

Where does financial planning begin?

The first step in financial planning is knowing where you are now. What is your current financial status exactly? In order to know this, you need to keep track of all of your expenses, income, and current cash on hand in your accounts. The more detailed you are, the easier it will be to plan later. Also take into account the smaller expenses, such as buying coffee at the train station in the morning.

Financial management measures

In order to be able to assess and improve your financial situation, you should take various measures. Set yourself boundaries so you can achieve your goals.  Budgeting helps you to see your financial situation clearly and transparently. It is the first step in paying off potential debts and saving for future expenses. Budgeting will cause you to rethink your behavior and determine what you actually need.

How To Be Successful In The Forex Market

The global foreign exchange market is the biggest and leading financial market worldwide. The possibility to gain significant profits attracts traders and investors of all levels. Since accessibility in the market is quite easy, many forex traders quickly enter the market but also exit as soon as they have encountered some setbacks and losses.

Tips To Be Successful In The Forex Market

The forex market is a very competitive environment; hence traders and investors need to have some strategies to prevent losses and remain ahead of the game. Below are some:

Seek a Reputable Forex Broker Like Fxtm

The market of foreign exchange has less oversight compared to others, so it is likely to wind up working with a less reputable broker. Fxtm, or ForexTime, is one of the fastest growing players and has quickly established a good reputation in the forex market. Its products and services provide a positive overall experience for its clients, whether newbies and seasoned forex traders. Apart from competitive spreads and outstanding customer support and service, the fxtm platform is quite easy to navigate as its user interface is remarkably comprehensible, responsive, and appealing to the eye. Check out fxtm to learn more.

Do your Own In-depth Research

Although it is easy to enter the forex market, this doesn’t mean you disregard due diligence. Learning all you can and continuously updating yourself regarding the forex market is essential and fundamental to your success as a forex trader. Despite the fact that the greater part of forex trading wisdom is from live trading as well as experience, a forex trader must gain plenty of knowledge regarding the forex markets.

Make the Most of a Practice Account

Most trading platforms have a practice account. These practice accounts are at times termed demo account or simulated account allowing forex traders to set hypothetical trades on an unfunded account. This allows traders to become skilled and more practiced at order-entry strategies, making it one of the best benefits of a practice account.

Maintain Clean Charts

As soon as you open a forex account, you might get excited and be tempted to make use of every single tool for technical analysis provided by the forex trading platform. Although numerous of these indicators match the foreign exchange markets, it is vital to keep your analysis strategies at minimum to be more effective. For instance, making use of multiple indicators may yield redundant or opposing signals affecting your trading decisions. Also keep your charts clean by utilizing simple yet readable and easy to understand charts, fonts, colors, and he likes.

Keep Good and Reliable Records

For you to learn from your losses and your success, it is wise to have your own forex trading journal where you record all of your forex trading activities including dates, profits, losses, and successes. It also good to record your performance as well as the emotions you experienced as these are all helpful for you to see success. Review your records periodically to stay away from the same errors and minimize losses.

Carving Money through Precious Stones

You may have assumptions that top-dollar jewelry as well as gems are awesome investments. But that is not always the case. Gems that have lesser value usually appreciate more and at the same time, easier to liquidate. Many of the well-informed investors are actually choosing gems that are low to moderately priced. This is regardless if they have to långuiden sms lån artikkel to get funding for buying the gems.

Again, some investors have skill in buying and selling high-end, unusual or rare segments of precious gems and stones in the market. With all these thing said, you may be wondering that there is big profits waiting for you in this market. But the real question is, how are you going to make returns upon your investments?

The Rules of Gem Investing

However, just before we dive into the rules, it is important that you keep yourself mindful of the term investment grade. You may come across this a number of times in the industry but this has no clear meaning when it comes to gemstones. Likewise with the terms semi-precious and precious stones, it is so broad and has lots of exceptions. To give you an example, gems with excellent grades in all 4Cs might be beautiful and have higher price tag but, you might never be able to recover your costs in the event you tried to resell it.

Nevertheless, these gems are occasionally called as investment grade. As a matter of fact, the Federal Trade Commission or FTC of the United States frowns on the utilization of such term. Despite the fact that it isn’t illegal to use it for advertising, it has been heavily abused by fraudsters that numerous consumers are cringing when they hear it.

But if you are really serious and decided to make money in gemstones, here are things to be remembered:

Have Control on Your Cost Basis

It is totally possible to generate money when you invest in gems. But, your cost basis in a particular gem needs to let you have enough room to build profits the day you acquired the stone. You need to have margin of safety. Paying the right price would be the single biggest determining factor whether you can generate handsome ROI or not.

Expand Your Network

Basically, you are going to need buyers who have the ability of selling your gems at a retail price. This way, they can somehow pay you in wholesale prices for the gems you have invested in. Likely buyers will include online auctions, auction houses and jewelry stores.

The Incredible Value of Gold throughout the Years

Try picturing yourself sitting patiently in a stream as you swirl your pan with water and diligently looking for gold and someday become rich. Believe it or not, America has a long history of gold mining since the 1850s. It isn’t really surprising because up to this point, gold holds a valuable place in world’s economy.

But why is it so Valuable?

Back in earlier times, the luster and malleability of gold has led to its mainstream use of early coins and jewelry. Additionally, it’s hard to mine and the harder something is to acquire, the greater the value it commands. As time goes by, people start using this precious metal as a mean of facilitating trade and at the same time, accumulate and store wealth. As a matter of fact, aside from engaging in FOREX trading in 2020, it is possible to trade precious metals too, which includes gold.

The truth is, the early paper currencies were supported by gold with each and every single bill printed corresponds to a certain amount of gold that’s kept in vault somewhere where it can be exchanged. Basically, this approach lasted until the 20th century. These days though, modern currencies are majorly fiat currencies. Thus the link between paper money and gold has been discarded. On the other hand, this doesn’t stop people from loving this precious yellow metal.

 How does the Demand Rise?

 

By far, the biggest demand for gold is jewelry. Believe it or not, this accounts for over 50 percent of demands for this material. The 40 percent is from doing direct physical investment in gold such as:

  • Medals
  • Coins
  • Bullions and;
  • Gold bars

Bullion is actually a coin or gold bar stamped with the value of gold it carries and its purity. It is different compared to numismatic coins for these are collectibles that are being traded based on the demand for specific kind of coin compared to the content of gold it has.

Investors of physical gold do include central banks, individuals and just recently, ETFs or Exchange-Traded Funds that buy gold on behalf of other people. Gold is typically viewed as the safe-haven for doing investments. If paper money were to become worthless for whatever reason, the world’s economy would fall back to something of great value in order to keep facilitating trade. This is among the reasons why investors keep pushing up the value of gold when there’s a volatile financial market.

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