How Will You Use Your Futon
How you plan to use a futon will largely determine which kind you eventually buy. Determine its primary function first. Will it be used mostly for sitting and lounging, for sleeping, or both? If both, will you want to switch back and forth between the two functions on a daily basis, or will you use it as a bed only occasionally?
How you put your futon to use will not only determine the kind of frame you use but also the quality of the mattress. Be aware that if you are going to use it primarily for sleeping, a wood frame can provide a very firm surface. If that is something you don’t enjoy, consider a thicker, better-quality futon pad, or maybe even a mattress pad on top to make it softer.
If you want to switch back and forth between a sleeping surface and a seat, narrow your options to frames that are easy to operate. Some futon frames can be difficult to adjust, especially for one person.
Things To Check Before Buying Gold This Season
It’s the time of the year when individuals are looking to buy gold. In fact, the precious metal has already rallied a great deal this year and consumers are already paying a great price. It’s important to be careful while making purchases and keep a few things in mind. Here are 5 things that you need to keep in mind before buying gold this season.
1) Buy hallmarked jewellery
The safest form of jewellery to buy is the hallmarked jewellery. The hallmark of the Bureau of Indian Standards ensures the purity of gold. We all know that gold can come in various forms of purity like 18 karats and lower, 22 karats and 24 karats.
You do not want to buy 22 karats jewellery, which actually has purity of less than 22 karats. It is better to buy hallmarked jewellery so that you are ensured of the purity.
2) Bargain on the making charges
If you are buying gold jewellery, it is very important to know the making charges. It is even more necessary to bargain and reduce the making charges. Remember, that these charges can form upto 30 per cent of your jewellery costs. It is very important that you request a reduction here.
3) Check the price of gold
It is very difficult to predict whether gold prices would fall. Therefore, if you are planning to wait and buy, you cannot be sure that prices would dip. However, what you can do is make enquiry with a few jewellers to see if price reduction is a possibility.
4) Don’t forget to ask for an invoice
5) Important to check the weight
Scams And Counterfeit Gold And Silver
Many folks will never end up buying Precious Metals because they are worried, they will be scammed or sold counterfeit bullion. This is certainly a threat and happens ALL the time in our industry, however, there are VERY easy steps you can take to avoid being scammed. First and foremost, buy a test kit. Test kits range from chemical, magnetic to x-ray machines and are so readily available and inexpensive there is no reason you cant test a questionable item. Dont want to buy a test kit? You dont have to. Walk into any jewelry store and they will have a handheld x-ray device that can test purity in a matter of seconds.Secondly, it is extremely easy to avoid ever being sold a counterfeit piece in the first place. ONLY buy from a reputable dealer and know how to do a little bit of a background check on a bullion retailer before purchasing. Dont feel like doing that? Here is a shortlist of bullion retailers who will NEVER rip you off. Investor Crate Best company on the planet! Of course, I am just joking, we are obviously bias of ourselves. We do, however, conduct random batch testing and PHYSICALLY have hands-on every single item that leaves our facility, pride ourselves in an easy cost-effective subscription-based model, and sell millions of dollars worth of Gold and Silver a year so you be the judge! So if you want to build your stack every month for years to come, consider us! But you absolutely cannot go wrong with
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Golden Rules For Investors: 8 Things To Consider Before Buying Actual Gold
It’s a fantasy that may resonate with children of a certain era: swimming in a vault piled nearly to the ceiling with glittering gold bullion. It was a regular pastime of the cartoon character Scrooge McDuck in the late 1980s animated classic, Duck Tales.
In fact, his mammoth holdings of the precious metal helped propel him to the top of at least one list of the world’s richest fictional characters.
For most real investors, of course, amassing and storing swimming pool-size portions of gold is impossible. But there are those who do take an interest in holding at least some of the glittering asset. Ranjan, a northern New Jersey man, inherited a South African gold coin known as a Krugerrand from his great uncle and has considered buying more gold coins, perhaps from the U.S. Mint. The gold would help him diversify his portfolio, but his main motivation for buying, he added, was sentimental.
“My intent is to do something similar to what my great uncle didto keep them and then hand them down to my children,” he said.
If you’re considering buying gold, whether it’s as part of an investment strategy, for sentimental reasons, or both, here are a few points to consider.
The Donts Of Buying Gold Jewellery
Now that you know the dos, keep the donts in mind too to get the best bang for your buck. Here are a few things you should consider:
Plain gold vs. stone studded jewellery: The first is to avoid buying stone-studded jewellery such as diamond earrings, ruby bangles, and emerald rings – if you are buying it as an investment. The problem with stone-studded jewellery is that its difficult to assess the purity of the stones. If you insist on buying only studded jewellery, check the net weight of gold and pay accordingly. Studded jewellery also incurs more making charges as their intricate designs and patterns are labour intensive.
Cheap doesnt mean the best: There are more than 13,700 BIS-hallmarked showrooms in India. And there are 435 BIS-recognised hallmarking and assaying centres too. However, there are many areas of the country without any hallmarking centres. Another area of concern is the integrity and quality of some of the hallmarking centres, especially in rural India. This brings us to a related point – dont buy a piece of jewellery from a store if its cheap but not hallmarked. This makes it very important for you to buy ornaments only from a trusted, BIS-hallmarked jeweller. To make your life easy, the BIS website carries an extensive list of the hallmarked jewellers in the country. You can also contact BIS if you are not satisfied and still have concerns regarding a future purchase.
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Should You Buy Coins Or Bars
You can buy bullion in two main forms: coins or ingots . The advantage of gold coins over gold barsis that they allow you to be more flexible. After all, it’s easier to sell 20% of your gold if you ownten gold coins rather than if your whole investment is in one gold bar. By the same token, given this flexibility, you’ll probably find that coins are that bit more liquid than big bars. That said, if you want to buy a sizeable amount of gold, then bars might make more sense from a practical point of view.
Does It Have The Features You Are Looking For
As you have started to think about buying a used golf cart forsale, you have probably acquired a mental laundry list of all the features andrequirements that you would like in your potential new to you golf car. It issuper important to take all of these things into consideration as you areshopping around. You want to make sure that you are getting exactly what youwant as a golf cart, new or used, is an investment. Golf carts generally lastfor YEARS so, you do not want to get stuck with something you are not happywith. A couple of tips for picking the perfect used golf cart for you:
RED FLAG ALERT:If the seller or dealer does not want to let youtest drive the golf cart, you may want to pass. Generally, if a dealer orseller does not want to let you take the cart for a short test drive, they maybe trying to cover up some serious issues with the golf car.
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Why Should You Buy Gold
Buying gold is a way you can diversify the types of investments that you hold. By diversifying, you are protecting yourself against the possibility that all of your assets will lose value.
Gold in particular is thought of as a safe kind of asset. Since gold has had value in some form for millennia, people generally are confident that it will continue to have value. If you are less confident in, say, paper currency or the stock market, then you may be interested in the safety of gold. Another plus with gold is you can expect little to no effect from inflation. Because the process of finding and extracting gold is long, its almost impossible for the supply to fluctuate in the short term.
An important thing to remember about gold is that it wont earn you any kind of lucrative return or interest. The price of gold moves up and down like any asset, but you shouldnt invest in gold with idea that your money will be earning lots more value. Gold should be one portion of your portfolio, not the whole thing.
What To Look For When Buying Gold Jewellery In India
India loves the precious yellow metal. Our obsession for gold is a world-renowned fact, one that needs no debate. And when we say we love buying gold, it most often means gold jewellery. For the average Indian gold buyer, it is not only an investment but also a precious fashion accessory. And we love to flaunt it every chance we get, dont we? An Indian womans attire and her wardrobe are never incomplete without some or the other form of gold jewellery in it.
On an average, Indians, both in India and around the world, are among the top consumers of gold jewellery. The number of jewellery stores speckled across India is a testimony to this. As a population of gold lovers, we believe we have mastered the art of buying gold jewellery. But is this belief true? Not really, especially when we consider the quantity of impure gold jewellery doing the rounds in the Indian gold market. Most often, people find out to their surprise that they are fooled into buying impure gold jewellery at the cost of high-purity jewels. To buy real gold jewellery and avoid losing money on your investment, read on.
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Where To Buy Silver Online
You have a handful of options when you’re buying silver online. Classified listings are a common choice, but these informal arrangements often include sketchy meet-ups and the risk of getting swindled. You might instead choose online auction websites like eBay. However, buying your metals on eBay almost always means paying higher prices. This is mainly because eBay charges sellers an extra fee for listing their items. Neither of these options offer an easy way to return items nor verify that the silver is real.
The safest and most stress-free way to buy silver on the internet is through the website of a professional bullion dealer. Gainesville Coins is the best place to buy silver online due to our reliability, good reputation, customer service, low prices, and wide selection of products. Buying precious metals online with Gainesville Coins is a secure process and a worry-free experience.
We’re always here to answer your questions and clearly lay out our company policies. Check out the links below for more info about Gainesville Coins:
Decide How Much To Spend
The bottom line: Spend as much as you think is appropriate.
Weve debunked common diamond engagement ring myths before, and heres a good place to debunk them again. The myth of spending three months salary on an engagement ring dates back to the 1950s and doesnt have much merit. Heres a far better tip: Learn the 4Cs, do some comparison shopping and find an engagement ring that fits your budget. In the end, its not how much you spend, but how much love the ring represents.
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Tips For Buying Gold In 2021
Dateline: Bogota, Colombia
The other day, I shared how I delayed receiving my second passport by making three basic mistakes.
One of those mistakes was simply not letting the experts be the experts. These days, I make great efforts to not only go to the experts and pay them for the true value of their knowledge and services but, when possible, I also curate the information I gain from my network to share it with you.
Not too long ago, my friend Claudio Grass an expert in the gold business shared the short version of his top ten tips for buying gold. Knowing the wealth of knowledge he possesses, I asked him to sit down for an interview so we could create the long version of that same list.
His insights into the world of gold did not disappoint.
Claudio built up a precious metal company called Global Gold several years ago that focused on trading and storing physical gold under Swiss law. After six years in the business, he resigned from the company in order to promote Switzerland as the best place to store physical money.
From his years of experience, he has created powerful connections with the best gold companies in Switzerland and Liechtenstein many of which were previously his greatest competitors. As a gold consultant, he is now able to refer clients to the right companies, helping them create tailor-made solutions for buying physical gold and storing it in the right jurisdictions to protect their gold investments outside the banking system.
Only Invest Money You Dont Need For Five Years
We dont know when the system is going to crash. If you believe the people who are saying that the system is going to collapse in the next six months, youll make bad financial decisions. Dont believe them. Dont speculate.
Only invest money that you really dont need for at least the next five years. Anything can happen in five years. And in 2020, weve learned that anything can happen in five short months. While it is very likely that the price of gold will be higher in five years than it is today, its harder to know what will happen in the short term.
If you want a good return, youll need to wait at least five years. If the system crashes before then, you will be fine, but dont use money that you will need in three, six, or even nine months time because we dont know where the price is going in the short term.
An ounce of gold is always an ounce of gold, but the price of the fiat is what fluctuates. No matter what, there is a very high probability that, after five years, you will be really happy with your investment.
There is no telling what will happen to gold prices in the near future, but you can safely assume that your investment will have grown in five years time.
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Question : When Should You Buy Gold
As with all investments, the general rule of buy low, sell high applies to gold, whether in coin, bullion or stock form. To know the right time to buy, research the type of gold you want to buy and keep your eye on the market.
Since gold tends to perform well when the economy is in a recession, most people buy gold as a type of financial insurance policy to hedge their bets against the value of the dollar in the market. As a hard asset, gold holds its value even during times of inflation. For instance, the early 1970s would have been a great year to buy gold its value increased from $35 per ounce in 1971 to $180 per ounce in 1974.
There are two main reasons people buy physical gold: as insurance and as an investment. People who are concerned about the recent economic crisis tend to view their ownership of precious metals as an insurance policy: As long as you have physical gold or silver to sell or trade, you will never be broke, even if the economy collapses. It is relatively easy to buy a gold bar, and once you purchase it, you dont need to do anything but store it.
Choosing The Best Dealer Online Or Local
A good way to start is to compare prices of the same product among a few dealers.
Getting a low premium is good, of course, but price isnt the only consideration. Heres a few other important questions to ask:
Do they offer multiple forms of payment? Bank wire, credit card, cash, personal checks, money orders/cashiers checks, and PayPal are being increasingly offered in the gold industry. And you want as many options as possible for not just current orders but future ones, too.
What are total costs, including commission, shipping, insurance, and credit card or bank wire charges?
How big is the company? You want a dealer that has strong volumes, because they will have greater flexibility, bigger selection, and be more equipped to fill a large buy or sell order.
Is the dealer pushy, or educational? Do you feel comfortable with them?
Will the dealer send you a lot of marketing materials after your purchase? You may want these to learn about special offers, but you dont want to get bombarded or your name be sold.
Do they offer a buyback policy? If theyre not willing to buy back what you purchase today, thats a strike against them. We obviously want a dealer that will still be in business years from now when youre ready to sell.
What is the return policy if you receive the wrong product? Keep in mind, however, that you cant return a correctly filled order due to buyer remorse.
There are a few other places youll see gold coins for sale, including
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