Silver Insures Your Savings Against the Worst

Learn how to protect your portfolio using silver. A lot of investors will tell you that gold is the safest way to insure your savings against a crisis, but could silver be the real answer? First, consider the nature of silver, then look at its potential as insurance.

Is Silver a Risk Asset?

Does silver fit the profile of a true safe haven? The problem is its volatility. The metal can move extremely quickly, which always makes it a risk when prices are heating up. While it can pick up momentum at an incredible pace, it can also drop quickly. The asset has also had an extremely rough few years, and volatility has not been kind to long-term investors.

All that could be about to change though. Right now, prices are incredibly low. That limits how much risk factor you’re actually taking on. Analysts say there is very little downside to silver – its current price is not that much higher than the actual production costs of mining it.

How to Insure Your Portfolio

You can’t take insurance out on your portfolio, so you need to invest in assets that will perform well when the rest of your savings aren’t doing hot. Today, there are growing concerns that another global slowdown is coming, and that the cuts made by the Great Recession left scars in the global economic system that are ready to burst open again. Those concerns are pushing investors into precious metals.

Here’s how gold and silver work as an insurance policy for your portfolio:

  • Equity markets start to tumble
  • Investors sell quickly and start buying alternatives like gold and silver, driving prices up

You can’t buy flood insurance when there’s already water in your basement. Though you have to keep up with storage costs, if you own silver now, you see the highest returns when the crisis hits.

Growth in the Gold-Silver Ratio

For years analysts have been talking about a thing called the gold-silver ratio, i.e., how many ounces of the white metal you would need to buy a single ounce of its pricier cousin. It’s a quick way to look at how they are valued against each other, and it’s been fascinating to see how this relationship has changed so dramatically over the decades.

For most of history, it was set at around 15:1. The 20th century changed things, and the average was around 47. Today, it’s more likely to be in the 80s. That could mean one of two things:

  1. a) Silver’s days as a store of wealth are over and it is becoming much more of a risk asset like other commodities where you have to look first and foremost at supply and demand.
  2. b) There’s going to be a correction on the horizon and when it happens, silver owners are going to make a killing.

Setting aside the long-term implications, both scenarios are promising, as the metal enters a looming supply crunch. In the second scenario, historically the gold-silver ratio has closed during bull markets and widened during bear markets, and both metals now seem poised to start moving swiftly upward.

If you’re convinced, here are some tips for investing in silver you should read before you buy. They explain why supply is shrinking, what’s behind growing industrial demand, as well as how to buy silver at affordable prices and store it.

Get ready for the inevitable. When the next recession hits, fear-driven investors will head for precious metals.

Advantages and Disadvantages of Buying Silver Bars in 2019

Silver has been an integral part of human activity for thousands of years. Although gold gets all the attention as one of the original stores of value, it’s silver that everyday people used for exchange for thousands of years. Its history as money isn’t even that far in the past: the last U.S. coin that contained silver was minted in 1964.

Today, the metal’s role in the global market has changed. The metal has become more of a commodity thanks to its widespread use in solar panels, computers, smartphones, and medicines, but like gold, it has also become an investment vehicle. If you don’t own it already, you may want to know if silver is a good investment for you. It’s time for you to learn about buying silver as an investment and whether or not it belongs in your portfolio.

Advantages of Buying Silver

#1 Silver Bars Are Safe

Silver is a safe investment. Compared to fiat currencies, its much better at retaining its value. It’s also a fear-driven investment. Volatile stock markets send investors on the hunt for alternatives. Its responsiveness to a crisis makes it an essential part of a diversified portfolio.

#2 Silver Is Undervalued

Silver is a great bargain right now with a lot of growth potential. Investors use the silver-gold ratio to determine how well-valued each metal is in the moment, rather than comparing it to past dollar values. That’s because the two metals have had such a historically close relationship.

Right now, the silver-gold ratio stands around 85, i.e., one ounce of gold would net you 85 ounces of silver. That’s a historically high ratio, not seen since 1995. However, in both 1984 and 2011, the gold ratio went below 40. Both of these occurred at the peaks of precious metals bull markets. The metal could prove a big opportunity for making money.

Disadvantages of Buying Silver

#1 Storage Costs

Unlike other investments like stocks or treasuries, owning bullion can be a little more expensive. You need a way to store bars and coins. That may be a safe in your home, precious metals storage at the bank or allocated storage from a third-party. Many dealers provide storage services like these.

If you’re storing silver at home, you have to mitigate the risk of theft or damage with insurance. Your standard home insurance policy likely has strict limits on gold and silver bullion coverage. Insurance costs will also be built into any off-site storage solution.

Nevertheless, the absence of third-party risk in silver may make the carrying costs worth it.

#2 The Volatile Downside of Silver

Silver’s volatility is a double-edged sword. In a precious metals bull market, undervalued silver has a higher upside than gold. Silver prices will grow faster than gold and deliver a better return if you exit at the right time. Volatility can also cause prices to fall faster at the end of a bull market, and it is notoriously difficult to time commodity markets.

Weigh the advantages and disadvantages about owning silver. It has a place in any diversified portfolio.

KaratGold Coin (KBC) Brings Physical Gold Into the Age of Cryptocurrency

KaratGold Coin is a new cryptocurrency to most, but it offers a whole new case for inherent value. Bitcoin may be widely used, but without physical backing of any kind, it could conceivably go to zero someday. Meanwhile, KaratGold Coin is one of the most stable cryptocurrencies in the market, because of the robust mechanism that links its value to the value of physical gold. We’ll explain how all of this works and more, starting with the company that offered KBC to the market in the first place: Karatbars International.

Karatbars doesn’t simply sell gold bars like so many other companies out there. They primarily sell gold to be used as money, and for this purpose their products typically involve gold in very small quantities. Gold sold in large chunks is gold that’s too valuable for everyday spending purposes. But gold that is contained in CashGold (physical notes with an inset 0.1 gram of pure gold) can be traded for normal goods, like food and clothes, just like fiat currency.

It’s fiat currencies that inspired these products. Fiat currencies aren’t backed by anything, just the promise that the government that issues them can pay their debts. If the government fails, so does the fiat. Gold isn’t like that. It has value under any regime and in any culture. The problem is, gold is notoriously tricky to use online.

This is what motivated Karatbars International to create KaratGold Coin (KBC), a cryptocurrency offered up at an ICO in February 2018. KBC collected $100 million during its ICO, and has since then been one of the most stable cryptocurrencies in the space. Its stability comes primarily from the fact that KaratGold Coin’s value is tethered to CashGold notes, and the gold they contain.

Without a way to trade KaratGold Coin for CashGold, though, their relationship in value was in name only. That’s why Karatbars International devised a way to trade one for the other, using ATMs starting on July 4, 2019 (Gold Independence Day). Investors will be able to exchange 100 KBC tokens directly to 1g of pure gold, making it the first digital currency that is actually convertible to a truly valuable asset.

The online spending takes place through K-Merchant. K-Merchant is an app already integrated with thousands of online retailers. Users can buy KBC with Bitcoin BTC, Ethereum ETH, and various fiat currencies (or sell it for the same currencies), then transact with it through K-Merchant. The official plugin of K-merchant can be currently integrated into Woocommerce, Magento and PrestaShop powered online shops and enables one-click-payments with military-grade security. It’s the most digitally agile way to use gold yet conceived.

KBC holders can also use their KBC tokens to pay for functions on their IMpulse K1 Phones . The blockchain powered smartphones are fully integrated with the Karatbars digital product ecosystem. The owner of IMpulse K1 Smartphone, whose mass delivery is scheduled for September 2019, no longer has to worry about the privacy of calls, messages and stored data.

For years, investors of the internet age seemed to think that gold was being left behind. With no way to easily buy or sell it online, and virtually no way to spend it at all, gold was a store of value and little more. Today, with KBC, it’s a digital asset for a totally new audience. Reconsider gold, through KBC, today.

Looking For The Right Investment For Your Savings

Saving money is not something everyone can do. In fact, some people never learn how to save. For individuals who are interested in investing in their future, you must learn how to invest smartly. To get the most out of your money, long-term investment is going to be your best option. Below, you will discover a list of short-term investment options that have proven to be effective.

Savings Account

One of the biggest commitments you will make in your life is maintaining a savings account. If you are one of the lucky ones, your mom or dad opened a savings account in your name when you were young. This opportunity showed you how to put money away for the future. Unlike some other types of investments, a savings account is a lifelong option. It is guaranteed and comes with no risks.

Peer To Peer Lending

Peer to peer lending, known as P2P in the investment world, is a great investment for your savings. The experts at highly recommend P2Ps to people looking for long-term investments. Depending on your financial status and the level of risks you are willing to accept, getting involved in peer to peer lending may earn you a hefty future. The process works by allowing individuals and companies to purchase loans from specific consumers. In this type of investment, you become the bank.

Money Market Account

If you have never heard of a money market account before, you are missing out on an opportunity to save money without all the risks. Opening a money market account has never been easier. In fact, you can open an account online at any financial institution website and start saving money immediately. Since little to no risk is involved in this type of investment, it is possible to secure a much higher rate of return as compared to other investment tools. It is also recommended to start EPF investment in Malaysia if at all possible.

Roth IRA

Just about every new and long-term investor is familiar with the Roth IRA. This account is specifically designed to save retirement money. You will have the option of utilizing the Roth IRA as a short- or long-term investment account. Roth IRAs are funded through taxes. Every time you receive a refund from the federal government, it will be deposited into your account. While this investment opportunity is a great way to save money, the process is gradual.

Certificates Of Deposit

Certificates of Deposit, better known as CDs, range anywhere from three months to five years. The length of the term really depends on the investor. For example, if you feel comfortable with someone else controlling your investment for a long period of time, the longer the range the better to secure the highest yield.

When you invest in a CD, you have the option of receiving interest payments each money or letting the interest accrue until maturity. The downside to CDs is penalties applied for early withdrawal. There may come a time when you need some emergency cash and consider pulling money out of your CD before it has time to mature. Doing so will earn you a penalty.

It’s Not Over Until the Whistle Blows: Is It Too Late to Invest in Stocks When You’re Older?

If you think you can invest $100 in stocks and make $100,000 when you are older, then it might be too late but in a regular stock index fund, you can make 8% or even more interest on a yearly basis. The stock market will not run off and leave you behind. If you can wait to buy a stock that is worth investing in and at the right price, then you are never too late to invest in a stock.

Determine your time-frame for drawing down on funds

If you are in your 20s or 30s, you may keep up to 80% of your investments in stock unless you want to retire early (50s, for instance). Experts suggest that if you are in your 40s or 50s, then you should invest up to 70% of funds saved, in stocks but make sure you have sufficient cash, stashed away. Nobody knows the trend most stocks will follow tomorrow, talk-less of a decade from now, hence you should avoid buying stocks based on ups and downs, but determine a time frame when you need to draw down on those stock funds, in order to provide for your retirement lifestyle.

Buying stock – tips for the 40-50 age groups

The 40s and 50s are the age group when most people start to think about retirement. If you have not saved much in your 40s, then you will need a more aggressive strategy to achieve your goals in investing in stock. Experts suggest that you will need to invest 70% or more of your portfolio in stock if you want to achieve your goals at retirement. For instance, If you save $1000 a month for the last 10 years, and earn 7% annually on stocks you would have accumulated more than $170,000 but when you double your monthly savings to $2000 a month and then earn 5% for the last 10 years of your retirement, then you would have probably earned more than $300,000 by the time you retire. You can learn more about making the most from your investment in Stock exchange through The Entrust Group self directed IRA professionals.

Buying stock –  Tips for those in the 60s and 70s

Many people will work into their 70s when they enjoy what they do. Since those in this age group need to pay for large expenses such as health care, experts suggest that they should balance their portfolio between stocks, bonds, cash, and some other investments. For those who have already retired, an investment of about 40% of their portfolio in stocks is advisable.


You need to be guided by your time horizon when considering your future investments especially stocks. Tapping into your investment portfolio or savings should be a critical factor when determining how much to invest in stocks. There are no age boundaries when it comes to investing in stocks, it pays to seek advice from investment professionals and portfolio managers.

What You Need to Know about Hotel Investing

Each year, many tourists go to the UK in order to see iconic places and attractions. It is no wonder that there is a boom that is observed in the hotel industries through the years. The UK hospitality sector is expected to exceed around £100 billion in revenue at the end of 2018 and there’s a 6% growth shown in the past five years. You can read more about the UK in this link here. In the future, more and more tourists are expected to stay so it is safe to say that the hotel industry will continue to thrive.

One of the main reasons why many investors go for hotel room investment is its low entry points. Investors can have a hotel room that starts at around £30,000 to £80,000. Hotel investing can be a more profitable and affordable opportunity compared to a buy-to-let property. A mortgage is not typically needed as a way to pay the investment. This is good news for people who have a bad credit standing and who are struggling to get a mortgage.

What Can You Get on a Hotel Investment?

In some occasions, an investor purchases a hotel room on a leasehold basis. The room is then sub-leased to the operator of the hotel. The operator will agree to pay a fixed amount of rent to the investor regardless of room occupancy. The operator is now free to use the rooms for meetings or vacations as part of the agreement. Even if the room is not occupied, the investor can still get revenues and this goes on for a fixed period of time.

Other investors are torn between buying a residential property and a hotel room. A residential property is a great idea if you want to see a capital growth in about a year or so. Meanwhile, if you want to have a guaranteed yield from rental investments, the better option will be investing in a hotel room. Although for people who have deep pockets, both the residential investment property and the hotel room investment can be a nice addition to their portfolios. You can check with a property consultant company such as Thirlmere Deacon Hotel Investments to see which one is the better option for you.

Is it Tedious to Invest in Hotel Rooms?

Many people hesitate to invest in hotel rooms because they think that the investment will take too much of their time. However, this is not true for many. Many hotels offer a “hands-off” experience that will not take too much effort in the part of the investor. As an investor, you can be sipping ice-cold lemonade in the beaches of Barbados while earning income from your hotel room.

The most important thing to remember is to invest in hotel properties that have good managers. It is much better if the property is already operational. However, a startup hotel investment is still a good venture because it requires lower entry investments compared to established ones. As long as there is a great team of experienced managers and operators, then you should be in good hands.

Are there Guaranteed Yields?

A good hotel operator with lots of experience can guarantee you an annual or a monthly yield. It all depends on the strategy of the management. An example is when the hotel operator buys hotels for about £1 million. He then splits the rooms and he might sell for £70,000 each.  The hotel operator can generate a total amount of £2 million with a profit of £1 million. He will be able to buy a new hotel using the profit and continue with this strategy for a long time. The yields that come from the profits are them paid to the investors.

What if the Unexpected Happens?

There might be times when hotels fold. This is why it is important to choose an investment vehicle with care. More often, investors choose a vehicle that includes off-plan properties that are never realized or never came to fruition. You can read more about off-plan properties in this link:  The money will never return and will just disappear like bubbles.

This is why a hotel that is already in operation for at least 3 years is a great option. They have repeat guests and customers. They already have a track record for inviting and attracting clients and tourists. These hotels are not dependent on the money that they make from their rooms. They can generate other sources of income that can include restaurants and resorts.


A UK hotel room is a good investment if there are great managers that operate it. An annual or even a monthly stream of income is possible if you do your research well. If you don’t know where to start, the good news is that there are a lot of professional investors that can guide you in the right way. You just have to search for them. Start getting a return on investments today by going into the right website.  

Why Options Trading Is the Real Key to Wealth Creation

Options are less risky while offering a greater chance of higher returns. Here’s why options trading is an important route to financial security.

Contrary to common assumptions, options trading can be safer than regular stock trading, and much, much more rewarding.

If options trading isn’t already a part of your personal finance and wealth management strategy, this article ought to get you excited about it

We’ll talk about how options work, including the risks and benefits, and show you why options trading is the real key to wealth creation.

The Hidden Risk of Traditional Investing

Traders who only use long-term stock trading and mutual funds in their investment plan are missing a key component of wealth creation: time.

Let’s assume you’ve given yourself 20 years to build a $5 million net worth. That’s about 7,300 days, and you need to make every one of them count.

Now, let’s assume you have $20,000 tied up in a stock. The stock is bringing in a 6% or 7% return every year. Not bad.

But each year your $20,000.00 is making only 6% or 7% is another year you can’t use options trading to make %20 or 30% (or more) using that same $20,000.

Did you know that 2 out of 5 workers believe they won’t be retiring until they’re 70? Maybe it’s because they don’t take this “time cost” into account.

How Options Trading Solves The Time Cost Problem

Let’s assume you’re looking at a $40 stock called “ABC.” You expect it to go up, so you buy 100 shares, investing a total of $4,000.

If it goes up to $50 in the next 60 days, your $4,000 grows to $5,000, for a 25% return and a $1,000 profit. Not bad.

But, let’s assume you’d bought 20 call option contracts on that same stock. If you buy 90-day options, this might cost you the same $4,000 (this cost is called your “premium”).

But if the stock goes up to $50 within 60 days, your 20 call option contracts could be worth $20,000.

That’s a 500% return on investment, compared to a 25% return on investment over the same time period.

How Options Trading Works

When you buy an options contract, you’re buying the right to buy (or sell) the underlying stock at a set price (strike price) within a specific time period (expiration date).

For example, let’s assume ABC stock is selling for $40 and you buy a 90-day call with a $45 strike price. You’ve literally bought a contract which allows you to buy 100 shares of ABC any time within the next 90 days, and at the price of $45.

Now, imagine if ABC goes from $40 to $50 in the first 60 days of your options contract. You now own a contract which allows you to buy a $50 stock for only $45 any time within the remaining 30 days.  This makes your call contract more valuable than it was when you bought it.

Now, you simply close the position by selling your call contract at a higher price than what you bought it for.

Of course, the risk is that ABC stock will either go down or remain under $45 until the 90 days of your contract is up. In this case, your contract will only allow you to buy the stock at $42 or even $39.

If the 90 days end and the stock price remains in this range, your contract expires worthless and you lose your $4,000 premium. Thankfully, you can use options trading to reduce this risk and increase your odds of winning.

Why Options Trading is Safer Than You Think

We just talked about a “call,” contract, which gives you the right to buy 100 shares of the underlying stock at your strike price.

However, you can also buy a “put” contract, which gives you the right to sell 100 shares of the underlying stock at the strike price. This way, your options contract becomes more valuable if the underlying stock price goes down.

By combining calls and puts, you can create a lower-risk options trading strategy.  For example, let’s assume you pay a $4,000 premium to buy 20 calls on ABC stock, which is selling for $40.  Your call contract period is 90 days, and your strike price is $45.

You pay another $4,000 to buy 20 put contracts with a $35 strike price and a 90 day expiration period. Now you’re in for $8,000 premium instead of a $4,000. But, you also have two scenarios where you can make money:

  • SCENARIO #1: ABC stock rises from $40 to $50. You net $20,000 from your 20 call contracts. After subtracting your $8,000 premium, you have $12,000 in profit.
  • SCENARIO #2: ABC stock falls from $40 to $30. You net $20,000 from your 20 put contracts. After subtracting your $8,000 premium, you have $12,000 in profit.

Notice that this strategy makes money whether the stock price goes up or down. Your only risk is that the stock will hover between your $45 call strike price and your $35 put strike price for the entire 90 days.

This would make both of your contracts worthless, and you’d lose your $8,000 premium.  But here’s why this shouldn’t scare you.

The Secret to Smart Options Trading: Probability

Successful options trading isn’t about winning all the time. It’s not even about winning most of the time. It’s about leveraging probability. This is why every options trader needs a smart trading plan.

Imagine having a coin that lands on heads 50% of the time. Every time it lands on heads, you make $12,000. Every time it lands on tails, you lose $8,000.

Flip that coin 100 times, and you’ll have a net $80,000. Flip it 1,000 times, and you’ll have a net $800,000. This is the mathematical power of probability. Again, it’s not about winning most of the time. It’s about leverage.

The beauty of options trading is that the wins are big enough to make up for the losses, and then some. So, if you can win even half the time, you’ll still do very, very well.

Ready to Start Options Trading the Smart Way?

By now, you know that you can create multiple scenarios where you can make money trading options. But we’ve just scraped the surface.

We haven’t talked about covered calls, binary options, advanced spreads or the power of selling calls and puts instead of buying them.

Imagine if you can could an options trading plan that wins even 60% of the time, or 70%. That’s why options trading needs to be a part of your investing and wealth management strategy.

If you’re ready to leverage the power of options trading, or discover more interesting ways to make money and build wealth, you’re in the right place.   

Just visit our blog for more articles on personal finance, investing, wealth creation and how to make money online.


Earn Yourself an Early Christmas Present: 5 Stocks to Buy Now

Bolster your portfolio and check out the stocks to buy now that offer a huge upside potential.

Another calendar year is upon us which means millions of people will begin the annual ritual of creating New Year’s resolutions.

One of the most popular resolutions is to make more money. Whether it’s through promotions at work or investments in the market, everyone wants to put add to their personal bottom line. Of course, one of our favorite ways to make money is to invest wisely in stocks.

But what stocks should you purchase? What stocks are going to be profitable in 2019 and beyond?

Read on, as we reveal our five favorite stocks to buy now. These are stocks with a focus on long-term growth for 2019 and for the foreseeable future.

1. Amazon (AMZN)

Our favorite set-it-and-forget-it stock is Amazon. This should come as a shock to no one as the stock has been a popular choice for investors for years.

Our enthusiasm for Amazon is well justified. The company is what Warren Buffett calls a “wide-moat,” which means it has it’s involved in numerous products and services that figure to be profitable for years.  

Amazon’s AWS cloud business earns over $1 billion annually.  Even better, Amazon Prime has 100 million subscribers paying $99 every year.  The $9.9 billion in subscription revenue is impressive, but what really matters is how much these consumers spend purchasing other Amazon products.  Statistics reveal these loyal consumers spend more on the site than they did before subscribing to Prime.

The company is led by an innovative CEO, Jeff Bezos, who positions them for continued success for the long haul.

2. CorVel (CRVL)

CorVel has a lot going for it.  The Irvine, California based company has an immense market, as they help companies control the costs of their insurance and workers compensation.

The financials are attractive too with improved revenue at a rate of 10% a year for the past decade.  And the company earned an impressive 24% on stockholders’ equity last year.

3.  Starbucks Corporation (SBUX)

You might think Starbucks has already experienced max-growth with a store seemingly on every corner.

But consider this: Starbucks is still largely under-developed in many countries. Currently, the largest grown is in the China/Asia Pacific region.  In China, for example, Starbucks opened 278 new stores between July and September this year.

Hedge fund icon Bill Ackman believes so strongly in Starbucks growth in 2019 he invested $900 million in the company in October.

4. Alibaba (BABA)

The future of the Alibaba stock price has been a hot topic in 2018.  In June, the China-based company’s stock rose to an all-time company high of $210 per share.

Since then, the company announced CEO Jack Ma is stepping down.  This comes as stocks in Chinese companies have taken a hit due to pressure from the US/China trade war.

Still, Alibaba is poised for fantastic revenue growth.  Already a $400 market cap company, the company projects final year revenue growth of 58%.  And analysts predict 40% growth in earnings in 2019, making the stock an excellent value buy.

5. Berkshire-Hathaway (BRK.B, BRK.B)

Berkshire-Hathaway has been a mainstay on top stock lists for decades.  It’s leader, Warren Buffett, turns profits like no other.

But the big concern with investors is how long Buffett, age 88, will help the company.  Surely, Buffett will step away in the not-too-distant future and many fear his departure could spell the end of the company’s long and successful run.

However, those who trade stocks for a living know the best way to value a company is to examine the current value of their future cash flows. Investors can remain confident in Berkshire-Hathaway whose future cash flow appears to be significant.

What’s more, Berkshire-Hathaway is structured similar to a mutual fund, with a diverse group of holdings but without the management fees.

Stocks to Buy Now: Wrapping It Up

You don’t have to wait until January to invest wisely.  These five companies are excellent stocks to buy now for 2019 growth and beyond.

Everyone’s financial situation is unique.  Analyze these investments carefully to determine if they are wise fits for your portfolio.

If you enjoyed this article, please check out more of our helpful investment content.


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