When world economies shiver and shake, gold prospers.
Gold bullion coins, which sell in the millions weekly, tap into the allure of investing in gold. American Eagle and Canadian Maple Leaf gold coins have high gold purity and are easily bought and sold through precious metals dealers.
Following the financial crisis, some investors turned to gold exchange-traded funds, or ETFs, to cash in on gold’s rise. But in recent years, people have been moving away from them, says Barry Stuppler, president of Stuppler & Co., a precious metals dealer in Woodland, California. Why? Some ETFs don’t own the physical gold, instead trading in a gold index. For example, the CBOE Gold Index tracks the price of gold-mining companies. Gold ETFs may even trade in gold futures contracts, making them risky investments, says Paul Mladjenovic, author of “Precious Metals Investing For Dummies.”
That’s why Mladjenovic prefers gold bullion coins. The price of the 1-ounce, 24-karat Maple Leaf approximately matches gold’s spot price and enjoyed a meteoric rise between 2005 and 2011, when the price of gold more than quadrupled. But what goes up sometimes comes down: The price of gold coins has tracked the recent decline in the price of gold, as well.
More at: http://www.bankrate.com/investing/5-tips-to-shine-in-investing-in-gold-coins/
Is your career as exciting and fulfilling as it could be? If not, our resident resume expert has some great tips on how to refresh your resume to help you attract a more thrilling job this year.
Whether you’re actively job hunting or just casually thinking about what’s next, it’s important to have a fresh and well-written resume ready so you don’t miss out on any opportunities that come up.
If you’re like most of my clients, your current resume doesn’t do you justice. Maybe it’s out of date, maybe it’s too long, or maybe it just doesn’t sell your experience as well as it should.
The job market is more competitive than ever right now and you don’t want a weak resume to hold you back from achieving your full potential.
I’m here to tell you how to make over your resume and start getting the attention you deserve. These are six proven tips straight from my resume writer’s toolkit to help you make a big difference in your resume’s appeal to employers.
When I first launched Gen Y Planning, I did pretty much everything myself. I met with clients and created their financial plans. I wrote this blog and my email newsletter. I marketed myself. I slaved over PowerPoint slides when hired to give a presentation. I worked a lot of nights and weekends from home, coffee shops, and while traveling.
Eventually, something had to give. As I said in a previous post, it was going through a divorce that made me realize I needed help with my business. My clients needed my guidance when making huge life decisions, and it was a struggle to handle writing, marketing, and other tasks and still be there for them.
I decided that I wanted to be a true partner in my clients’ financial decisions, and it was time to get some help with the rest. And I have to say, the moment you let go of the belief that you have to control everything is the moment your business really begins to grow!
So how do you assemble your team, especially if you have no experience hiring or managing people?
Before You Hire Anyone, Start With “Team You”
As you get a new business off the ground, a few people will be instrumental to your initial success. Begin by outsourcing complex things like compliance, taxes, and legal matters. (No, I don’t do my own taxes. They are the last thing that I want to mess up!). I have a CPA, small business attorney, and compliance consultant that are all on a monthly retainer. Their expertise is invaluable and I can reach out to them as needed.
1 lb. boneless, skinless chicken breasts, cut into thin strips
1 tsp. ground cumin
1 tsp. chili powder
Freshly ground black pepper
1 tbsp. canola oil
1 red bell pepper, sliced
1 small onion, sliced
1 c. sliced mushrooms
3 garlic cloves, chopped
1 tbsp. chopped chipotles in adobo
1 1/2 tbsp. fresh lime juice
8 warm flour tortillas
Grated Cheddar cheese, for serving
Cilantro, for serving
Lime wedges, for serving
The Republicans are having trouble reaching consensus on a plan to replace the Affordable Care Act (ACA), and the Democrats understandably are not inclined to help. Searching for areas of agreement at this point seems like a waste of legislators’ valuable time. Perhaps a more productive approach would be for each member of Congress to ask, “What do I want so much that I would be willing to accept something I really loathe in exchange?” Here are two suggestions.
Fee-For-Service Medicare Versus Medicare Advantage
What Speaker of the House Paul Ryan (R-WI) and some other congressional Republicans presumably want for Medicare is premium support—a system in which traditional fee-for-service (FFS) Medicare is treated as just another health plan that competes on a leveled playing field with Medicare Advantage plans. Democrats seemingly would like for the Medicare program to be placed on firm financial footing, rather than dealing with annual Trustees’ reports announcing the wavering date when the trust funds will be exhausted. Both sides know that the simplest way to provide a sound financial foundation for the Medicare program, although not the most efficient, is to raise payroll taxes for Part A (possibly adding a means-tested out-of-pocket premium) and increase income taxes and premiums for Parts B and D.