Author Archive: Vickie Tollefson

Reasons to Invest in Gold

gold bullions

Investing in gold is the best thing you can do to cushion yourself against hard economic times. It is the most valuable metal in the world. And its value never dips. Adding this metal in your portfolio is undoubtedly one of the best decisions you could ever make. You can check out the Rosland Capital free silver scam to learn the ropes and invest in gold. If you are still not yet convinced, here are the reasons to invest in gold.

A Tangible Asset

gold bullionUnlike the stock market, gold is a tangible asset. You can borrow loans against it, and no bank will reject it. Moreover, destroying real gold is almost impossible. Even when it is exposed to elements such as fire or water, gold does not disintegrate. In other words, it is the safest venture you can ever invest in. Besides that, it is not demanding interms of input and maintenance.

Bear no Counterparty Risk

Counterparty risks include contracts and other agreements that can lead to a loss. For instance, someone can breach a deal and get away with it. However, gold is whole even without any supporting documents. It is not tied to other obligations. So long as you have it, it is yours. Its value is unbeatable, and you can convert it into money whenever you want.

Private and Confidential

private and confidentialIt is challenging to keep your investment confidential, especially in the stock market or shares in big companies. But when you invest in gold, people don’t have to know about it. If you are looking for anonymity in your investments, gold is your best bet.

Portable and Liquid

portable and liquidIf you invest in real estate, you cannot move a property from one state to another. With gold, there are no such limitations. You can carry anywhere you want to go. On top of that, it is liquid. You can sell it in your local jewelry store. And if you visit a pawn shop, you could trade for another item or cash. Sale of gold is much faster than disposing of stocks or other assets.

Requires no Expert

If you are to invest in stock markets, you have to invest a lot of time studying them or hire a firm to do it on your behalf. With gold, you only need to know how to identify the authentic metal. Information regarding its price is always available online.
The bottom line is that thee lots of reasons why you should invest in gold. It is the only investment that bears the least risk. Nothing can fault it.

Best Strategies To Quickly Pay The Loans


An individual should use every trick in his or her disposable to save money, increase her or his income while working toward becoming debt free at a faster rate. The following are the best strategies or ways a person can employ to pay down debt quickly, student loans, car loans or and kind of debt quickly:


Bi-Weekly payments should be made

coinsHalf the fees should be submitted to one’s lender in every two weeks instead of the routine which is monthly. In the process, an individual will accumulate less interest since the payments are applied more often. An additional will be paid since there are fifty-two weeks in a year which is the same as twenty-six yearly installments. One could shave off several months during of repaying the loan. An individual should discuss with the lender before making the bi-weekly payments since one may be charged for any additional payments or paying off the loan balance before the stipulated time.

Payments should be rounded up

An effortless way of paying extra without missing the funds is by rounding up an individual’s payments. The extra are not required to settle the dues in a few months of the term of one’s loan. A significant amount of money is added over time, and in the process, a person can save money on interest and period of one’s loan is reduced or reduced.

Find additional money

Small amounts like fifteen dollars or twenty-five dollars might not seem like a lot; they add when an individual is settling his or her debts. For the people who have a part-time job that an additional of hundred dollars on a monthly basis, put the amount of loan. An extra sum of money will be paid in a years’ time.

One additional payment should be made

For the individuals who do not have the cash flow to commit to bi-weekly payments, the same result is attained by paying one additional payment every year. The money from bonus from work or a tax refund can be used by a person to aid pay down one’s loan quickly. One can also divide his or her monthly payment by twelve and the amount got should be added to all future payments.

Loan should be refinanced

piggy bankRefinancing is lowering an individual’s payment, saving interest and paying off one’s loan for half the duration. Super low-interest rates on car loans and mortgage loans are offered by the majority of credit unions and local banks.