Sovereign coins are worthy investments for several reasons. First off, gold sovereigns are a piece of history since each coin is made for a ruling monarch. Since they are made of a precious metal, you can be sure that their value is not something that will depreciate over time. In fact, they may increase in value after a few years.
Atkinsons Bullion and other dealers list some of the coins that prove how buying gold sovereigns for your personal collection can be a good investment:
George III 1819 – With only 3,574 of them minted, this particular sovereign fetched roughly $288,000 in the market. This might seem a lot, but unlike the typical minting number of a sovereign, the George III 1819 is limited in number.
1937 Edward VIII – As these coins were only in the market until recently, it is not surprising that the Edward VIII Sovereign fetched a price of almost $897,000. This is currently the most expensive British sovereign known today.
Queen Elizabeth II Portrait Collection – This includes all portraits of the Queen that appeared on the U.K. flagship gold coin during her reign. A good example is the 2015 Gold Sovereign, which was the last to feature the portrait of Her Majesty.
What About Minting Errors?
You might be surprised to know that minting errors can increase the value of a coin rather than drag it down. Some minted coins have errors with their engravings, making them highly valuable to collectors. A good example is the 1880 Sydney mint. There are some coins with the word ‘Victoria’ that used an upside down A instead of V. Mints like these could fetch millions in the market.
Bottom line: gold sovereigns are undoubtedly among the ideal investments today. As they are a part of history (and made of gold), you can be sure that their value will not depreciate over the years.
Loans are beneficial, especially if you have a major project coming up but have insufficient funds. Acquiring any type of loan, however, depends on several factors which include your credit worthiness and debt-to-credit ratio. If you already have a loan and need to take another one, there is always a way for you. Refinancing is the right path to walk on.
Refinancing refers to taking a new loan from your lender but with different terms. The various reasons for refinancing your home mortgage in Ogden could include shortening your term, lowering your payment, and using built-up equity to get cash out of your home. The decision to refinance your mortgage depends on many factors, but majorly depends on your goal of refinancing.
Relevance of Equity to Refinancing
Equity refers to the assessed value of your home minus the loan amount you owe your lender. The value of your equity, like your decision to refinance, also relies on your refinancing goal. More equity translates to better interest rates, thus lower monthly payments. You can obtain more money from a cash-out refinance, all because of more equity value. Additionally, many mortgage lenders charge their clients a monthly fee with down payment—private mortgage insurance—however a good equity value exempts you this charge.
While getting a new mortgage, it’s possible to include the additional costs to the refinance amount. Refinancing to lower your payment or consolidate your debt might result in higher interest rates and a longer loan term. This eventually means you will pay more interest in the long run.
Although the decision to refinance entirely depends on you, some states have laws regulating your frequency of refinancing. While this sounds restricting, the major goal of such limits is to benefit you as the homeowner.
Lastly, it is good to self-evaluate your financial situation before deciding to take the refinancing road and regardless of your refinancing goal, refinancing should push you to a higher financial level.
If it is your first time to get a conventional mortgage for your home, you may be a bit surprised to see a number of additional costs. One such cost that you may notice is the private mortgage insurance (PMI). Like the other costs, the PMI is a valid expense and serves a vital purpose.
What is Private Mortgage Insurance?
This PMI is a form of insurance that applies to conventional loans. Its purpose is to protect the interest of the lender should things go south. The PMI guarantees lenders that they get payment should a borrower default on their loans.
You don’t have to pay for a PMI if your down payment is equal to 20 percent of your home’s value. Once your equity reaches 20 percent, you can stop paying for your PMI. For your PMI, your mortgage brokers will be more than willing to help arrange it with a private insurance company.
How Can You Lower PMI Costs?
As Altius Mortgage explains, fees for PMI may range from 0.3 percent to around 1.5 percent of the loan amount every year. The actual rates may depend on the amount of your down payment, your credit score, and the insurance company. If your loan is for $100,000, you may have to pay an amount of $300 to $1500 every year.
To get the best rates, it helps to have a favorable credit rating and pay a bigger down payment. Of course, you can always turn to an insurance company that offers a better rate. Coordinate with your mortgage broker on finding ways to improve your credit score or get recommendations on an insurer that can provide the best rate.
While it may represent an additional cost, it is perfectly understandable that a lender will protect its interest through the PMI. When you get down to it, you can also benefit from this. With PMI, you can apply for a mortgage even if you cannot come up with the usual down payment requirement.
Published on November 19th, 2015 | by Rick Livingston
From assisting with simple machine replacements to managing a full plant relocation, rigging contractors have played an indispensable role for years in manufacturing and industrial work. However, trends have been moving towards a more streamlined approach to the service. More than ever, turn-key solutions from a single rigging company in Savannah GA are preferred for projects of any size.
How much of a difference does it make to let one company handle everything? Manufacturers who have unique or large-scale rigging needs benefit the most from such arrangements. When you don’t have to coordinate with multiple contractors, the entire project proceeds smoothly and with minimal barriers. Convenience is hardly the only benefit, though.
One of the most attractive selling points of an all-inclusive contract is how fast the work gets done. Demanding timelines can be accommodated, as the rigging company has complete control over and immediate access to their resources. Projects start and finish with clockwork precision.
Many businesses can attest to how frustrating it is to accurately project, monitor, and control costs when dealing with multiple contractors. When a single team is in charge of labor, equipment, and consumables, then it is easy to get a detailed cost breakdown.
Mistakes happen, and they are much more likely when strangers are forced to work together on a complex project. Human error can result in unexpected delays and expenses. If a contractor only utilizes in-house crew, miscommunication is far less likely to happen.
Your schedule’s needs should always be the first priority, yet it is difficult to organize work around a company’s unique circumstances. What if you need them to work around running lines, or only during specific off-hours throughout the week? By hiring a rigging contractor that can accommodate your needs easily, you greatly minimize plant downtime. According to Consolidatedriggingandlifting.com fall safety in Savannah GA is essential as fall is one of the main reasons for work-related injury and even death.
As you can see, there are significant and measurable benefits to hiring a single rigging contractor. While turn-key contracts do cost more than trying to secure the cheapest providers for everything, the advantages more than makes up for it.
Published on August 4th, 2015 | by Rick Livingston
It’s not easy to save up and raise the value of your assets. As an open-minded businessperson, you always look for ways to further nurture your resources. Entering into a general partnership with other businesses seems logical. It creates a private equity fund that you can use for investments.
This doesn’t come without business challenges and a variety of regulatory complexities, though. Having a private equity fund involves unique security, regulatory, and tax issues, as per the practitioners from Capital Fund Law Group. To ensure the security of private equity funds, be wary of the drawbacks lying ahead.
Funds not at Your Disposal
As you share the investment fund with other companies, it’s generally liquid in nature. You can’t get a hold of it whenever you need to. Some opportunities come and go in an instant, and a private equity fund hinders you from buying and selling investments at any time you want.
High Initial Investment Requirement
If you’re just starting to earn money, this kind of partnership is not practical. Private equity funds often require a sizeable amount of initial investment, which only companies with high net worth can afford.
Invasion of Privacy in the Company
This private general partnership ironically invades the privacy of your business. With shared funds, some managers of the fund can stick their nose in the normal business operations of your company.
Complicated Calculation of NAV
The formula in determining the net asset value of private equity funds is vague. It’s tough to calculate the valuation of privately held companies. The rate of return difference between the worst and best performing equity, in addition, remains high.
With numerous private equity fund pitfalls threatening individual growth, it’s logical to get assistance from the right people. Getting the help of private equity fund attorneys should be your priority.
Of all the job openings in Singapore, SEO consultancy jobs are the most sought-after. A lot of online recruitment sites show numerous results for this job description. This is probably because even though being a consultant can be very challenging, it can also bring in a lot of rewards.
Listed below are the steps to take to become an SEO consultant:
1. Learn All that You Can
Either do the self-study method by reading about SEO or enrol in special programs offered by various online schools. Learn the basic principles of Search Engine Optimization first. Read online trainings, books and articles for beginners and gradually move on to the more complicated concepts.
Award-winning firms also share knowledge with their clients. Even if you are not training to be an expert, learn more about the process and know how they improve your company’s rankings.
2. Start Gaining Experience in SEO Work
The ever-increasing number of SEO professionals could make it difficult for you to gain a solid footing in the industry. Once you have gained sufficient knowledge about the topic, it is time to apply for a job.
As with any other jobs in Singapore, SEO companies require you to start as a junior consultant. Most companies provide further trainings for their junior consultants. Pay attention to trainings and remember as much as you can to move up the ladder faster.
3. Solidify Your Status
Update your resume to include all the successful strategies you’ve implemented. Some consultants also create an SEO portfolio. List down every client you handled, the challenges you encountered in building each client’s rankings and how you successfully faced said challenges.
Doing this greatly improves your credibility. This also encourages bigger companies to hire you. The portfolio is one of the factors companies consider when hiring consultants. Keep that in mind in case you start your own company and want to hire experts.
SEO professionals always have an opportunity to practice and earn from their skills. Take this opportunity to find a good job with a good salary.
Published on March 30th, 2015 | by Rick Livingston
Managing expenses is one of the most important factors small business owners must consider to ensure their success. Many people, however, find themselves scratching their heads when deciding on which areas of the business to save money on. It is important that before implementing cost saving techniques, owners must fully assess all possible outcomes.
One of the main things a business owner must analyse carefully is the effect of employing such action to the overall business operations. In some special cases, owners commit a fatal mistake of changing a certain process that diminishes the integrity of their products. If it does happen, it may drive away consumers, drastically decreasing total sales.
In Australia, people consider the trucking industry to be the backbone of the economy. With the high demand for trucking services, many people venture into such business. Aside from the already stiff competition, engaging in such industry can be costly, as it entails the purchase of expensive trucks and trailers. Moreover, the cost of maintaining such machines is very high.
With this, many companies, especially those who are still new to the industry settle for used trucks. One of the best places to find good deals is in an auction and there are groups like Pickles Auction that facilitate them.
What to consider when buying at an auction
If you are a newcomer in such field, it is advisable to go to an auction as a spectator first. This will give you an idea of how things work and increase your chance of getting a good deal in the future. You may want to bring someone who had a previous experience in such events, as well. They can be of valuable help, especially in teaching you the fundamentals.
It is important that you inspect the truck you are interested in from top to bottom to make sure that it does not have any damages. It will give you a better idea on what it is worth, which is critical in bidding the right amount.
Participating at auction sales is one way business owners can save money. It is important to make the necessary preparations to increase your chances of getting a good deal.
Published on December 4th, 2014 | by Rick Livingston
Generally, the air conditioning unit uses more electricity than any other home appliances—approximately 16% of total electricity consumed. In warmer areas, the AC can eat up 60%-70% of your electric bill, especially during hot summer days. This is why you need to get the most efficient AC and maintain your unit.
Adjust your thermostat to 80 degrees when you’re at home. Use ceiling or room fans for better air movement. This will help you cool the room. Adjusting your thermostat can help you save at least 1-3% per degree, for each degree the thermostat is set above 72 degrees.
Keep your vents open and clean
If you’re using central air conditioning, check the vents in your home. You might have left them closed, making your AC use more energy to cool the room. Keep in mind that vents use air filters to keep dirt, dust, and other contaminants. Make sure to clean them regularly. Consider replacing them with a new one for better airflow. Replacing the filters is not that costly, but be sure to get the exact measurements of your vents.
Clean your AC unit regularly
Clean the evaporator and condenser coils or cooling fins. Check the AC filter, as well. You can comb out the mats by matching the correct end of the fin comb to the fin spacing on your coils. Insert the comb and pull it up to straighten the fins. Wear a pair of gloves to prevent nasty cuts. If you don’t have time for this, hire a professional cleaning service. Your service provider can even inspect your unit to make sure everything is in order.
Again, you don’t really need to sacrifice comfort and struggle to survive the hot weather. With proper usage and regular maintenance, you can save up on electric bills.
Published on September 30th, 2014 | by Rick Livingston
A solid online presence is key to growing your business. Search engines, such as Google and Bing, help business owners make real connections with customers and succeed online.
It’s common for many people today to use the Internet to determine your reputation. But, building your online identity is never an easy task. Read on to know the key strategies that will help you find an edge in a crowded industry.
Distinguish Yourself from the Crowd
To determine your strengths, sometimes, you have to study your competitor’s website, target market and marketing strategies. From there, you can develop a consistent image that truly reflects what you do. If you have a unique presence, your prospects will grow to like, know and, eventually, trust you. It’s important to focus on promoting your business through creative ways.
Optimise Your Website
After you’ve created a website, you need to maintain it, so you can drive more traffic and boost your visibility online. That means you should have an attention-worthy site and content. If you think your website is outdated, look for reliable graphic designers that can help you improve visitor satisfaction and increase conversions. People are more likely to like your brand when you provide a rewarding experience.
If you don’t know where to start, ask yourself if your site is worth your attention. Is it easy to navigate? Does it draw your attention to your key selling points? Does it convey the message you wanted to tell?
Establish New Connections
Social media sites are the most effective ways to maximise your online brand presence. This is a great way to promote visibility and earn brand loyalty. To reach worldwide audiences, you should come up with solutions to remain in contact. The more you try to make a connection with customers, the more confident you will be when selling your products and services.
Remember, getting noticed is the first step to successfully get more customers. Your brand should work as hard as you do. After all, it’s the biggest asset of your business.
Published on September 25th, 2014 | by Rick Livingston
When it comes to business, there is one thing that you cannot do without regardless of your industry: traffic. Whether it is virtual traffic or actual foot traffic in the form of physical customers, traffic is the main source of sustenance for business.
The flow of people traffic is essential in keeping businesses up and running. This is why determining the areas in commercial establishments where people tend to go to the most are an essential part of business management.
Data Gathering and Effective Management
Effective management involves data management, monitoring, and analytics. First, you will have to gather accurate figures, and then you can come up with ways to increase traffic in certain areas that lack it and even improve upon, the ones that patrons gravitate towards. Business is a matter of boosting low producing areas and improving upon the ones that yield better results.
One of the many ways in which you can monitor the flow of traffic and its density is through the use of wireless people counters. Of course, business strategy does not end merely with attracting customers. You still need to furnish them with products and services of value for them to patronize your business. It is important to note, however, that none of those things would be possible if they never gravitate towards your store in the first place. By gathering the facts and figures, you can determine if you have to make changes certain aspects of your business’ physical store location and apply other such measures.
Good business requires the gathering of accurate data that management can use to formulate proper strategies. Whether it is at malls, shops, offices, you need accurate figures in the people counting sector. Accurate data with regards to the sheer volume of people congregating and passing through specific areas can help with strategic marketing placements and other aspects of management.
The holiday season is fast approaching. This is a season to give back, not just to your loved ones, but also to the community and to the less fortunate individuals. If you have been blessed with a good health, complete family, a fulfilling job, and a happy life, now is the perfect time to give […]
In 2013, then House Speaker Will Weatherford said that around 1,000 people are moving to Florida every single day. With an average of 230 sunny days, residents in Florida continuously enjoys the somewhat tropical climate of this so-called Sunshine State. If you’re thinking of moving to Florida anytime soon, consider moving to Pinellas County. Here […]
Simply because you are down-to-earth and simple (there is absolutely nothing wrong with that), it does not mean your home has to follow suit. Many Denver homeowners do take home improvements projects seriously. Unfortunately, working on a tight budget can result in cheap-looking results. Instead of elements and items enhancing home appeal, they end up overshadowing everything […]
Today, hiring an event planner for your children’s party may become too expensive. That’s why a lot of parents are now into DIY kiddy parties. Birthday parties for kids are known as the most fun-filled events anyone, including adults, can attend to. Hence, planning for a perfect one your children will surely make them happy. Hosting the […]
From ship husbandry, power and gas transmission, to bridge construction, marine construction is pivotal in almost every industry. Have you taken a moment to consider what marine construction is and what is involved in the whole process? Or better yet, how is construction even possible below the water surface? Marine construction refers to the erection […]
Sovereign coins are worthy investments for several reasons. First off, gold sovereigns are a piece of history since each coin is made for a ruling monarch. Since they are made of a precious metal, you can be sure that their value is not something that will depreciate over time. In fact, they may increase in […]
Most people know how to use their oven properly, but a number of people still commit mistakes or misuse the appliance. They end up having a broken oven during a time when they need it most. If you want to learn a few cleaning no-nos and techniques, below is a list of things you should […]
Loans are beneficial, especially if you have a major project coming up but have insufficient funds. Acquiring any type of loan, however, depends on several factors which include your credit worthiness and debt-to-credit ratio. If you already have a loan and need to take another one, there is always a way for you. Refinancing is […]
The dreaded “gulping” noise or sound from the drains could be an indication of a serious underlying plumbing problem, like a sewer blockage. Most homeowners find a blocked sewer the worst nightmare, especially if this causes whatever they’ve flushed down the toilet to come back up. However, sewer blockage diagnosis is not something that every […]
When you have plans of becoming a party planner, then you should be in the know when it comes to knowing where to find the best supplies. Also, being a party planner isn’t a one man band. You need to have a lot of partners and assistants whenever you are making your events. From ingress […]