6 Facts About Metals Everyone Thinks Are True

Suggestions on How to Invest in Precious Metals The reason behind the investments of many businesses and people on a certain product or industry is due to the probable monetary incentive associated with that certain product or industry. Buying bullion, gold, and silver is a practice that was started many years ago due to the established value of these precious metals. Precious metals get their high value mainly because they are hard to find such as with gold, while other precious metals are handy in many industrial methods. Many individuals and companies can explore the various options on how begin their precious metal investment. It is essential to choose the best technique when deciding to make a precious metal investment. In this case, you can determine what your choice will be depending on the likely returns, how much capital you plan of investing, and the associated risks with the different kinds of costly metal savings. One method of making a precious metal investment is by physically buying the gold and silver and then saving them up to be sold much later. This kind of precious metal investment is according to the concept that the future price of precious metals will go higher. How well you succeed with this kind of investment relies on the capacity of the investor to come up with realistic future predictions regarding a precious metal’s price. The reason why is that it is highly likely that its cost will likewise go down and not go up. Thankfully, precious metals do not perish easily, so it is up to you to store it for a long time without worrying about any changes to its intrinsic value. The only problem you have to face is how much you have to pay for its bank vault storage.
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A person may also invest in precious metals by future contracts on precious metals. It acts just like the same as an investment made on physical precious metals. The only disparity is that in here, it’s the contract you purchase and not physically buy bullion, gold and silver. This particular investment is a better one contrary to buying physical precious metals. It is the case since the investor is freed from paying for all the costs or accepting the risks related to the storing of these physical precious metals. Purchasing Shares in Metal Investment Companies You can also invest in precious metals by purchasing shares in metal investment companies that explore and extract these metals by themselves. A number of these companies are mostly listed in the stock exchange allowing just about everybody to purchase or sell shares of a certain company whenever they want. Even though the returns are not as lucrative as compared to other kinds of precious metals investments, this one is undoubtedly the easiest and safest of all. It is because a person does not have to personally deal with precious metals along with all the back office management being employed by a specific company where you purchased your shares.

Exactly Why Getting Particular Commodities is Always a Good Idea

Within the world of share buying, a commodity can be something real. It usually is something that can be (hypothetically) kept via a individual’s hand. Good examples include stuff like raw food items: whole grains and veggies, treasured metals: silver and gold, and perhaps pourable goods for example oil. The prices of merchandise, like almost all stocks and shares bought and sold within the currency markets, are generally governed by imbalances. The costs are always getting larger as well as downward in accordance with the requirement for them at the present moment, plus, concerning their particular supply. If you have some sort of glut of the certain product, the value tends to get lower. When there is a scarcity, it will eventually increase. For more information on different kinds of products, check my blog, or even have a peek at these guys.

In modern times, the price of commodities for example silver precious metal have decreased. Even so, there are numerous signs and symptoms that imply the cost of silver will increase. Each time a commodity, for example sterling silver or even gold tumbles in value, it could be cause of short-run worry, but virtually every entrepreneur knows that, baring an inadvertent and very impossible affair for instance a scientist creating a approach to convert grime right into silver, there is plus will regularly be a limited quantity of this kind of commodity due to the fact there’s just so much involving it in the earth to actually be brought up, and not just that many mines. One pro has had a good deal to say on this topic and of course his comment is here on this page.

What each buyer has to keep in mind is that whenever costs slide with a item utilizing as wonderful a permanent perspective as has silver, that it is fundamentally similar to a great sale at your favorite clothing retail store. You can buy much more, for less money. True, when costs tumble it’s not a good time to sell. Even so, in case you, like many buyers, are aware that the value will in the end go up once again, then you certainly often will buy more when you can. Get a lot more details by simply submitting this contact form, yet know that the essential strategy of purchasing shares hasn’t modified – you simply purchase low as well as offer high.

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Essential Information Regarding Collectible Teddy Bears

The teddy bear is a popular plush toy. It lights up the world as a symbol of innocence, the magic of childhood, and the unique warmth of love. A teddy will steal your heart and brighten your life regardless of your age. Teddies are well loved by both the young and the old. Since their first appearance at the beginning of the 20th century, teddies are kept for luck, cuddled for comfort, and given as a symbol of affection.

Teddies have become one of the most collectible items today. Many people have created fantastic collections of limited edition teddy bears over the years. Some of the elements that make collectible teddy bears special include their unique designs, quality, and the fact that they are not produced in large quantities. Teddies come in many forms, sizes, shapes, and colors. The difference between collectible and normal teddy bears is that collectible are often more expensive and more detailed than normal ones.

People begin to collect teddy bears for different reasons. For example, a vast majority of bear collectors do it for the fun of it. Others may enjoy collecting teddy bears but also enjoy the financial gains that can be made through buying and selling vintage teddies. Bear collecting can also come out of a childhood passion.

The teddy bear is an ideal gift as it is romantic, affordable, fun, a great souvenir, and a timeless classic. Collective teddies make beautiful gifts for birthday, Valentine’s day, anniversary, Christmas or any other occasion. Collectible teddy bears should be in a good condition. They can be works of art by different artists or items made by reputable companies.

A popular brand of collectible teddies is the Charlie bear. These come in different names, personalities, and unique features. Even though bears are majorly popular with children, anyone is likely to fall for Charlie Bears. Although Charlie Bears are creative, they and very moderately priced.Collectors often seek to buy handmade bears as they are unique and extra adorable.

The arrival of the internet has made collecting teddies much easier. Collectors now have greater selection of teddy bears and teddies can now be sold to any part of the world. Teddy bears are also sold in different places on the high street. Specialist teddy bear auctions and teddy bear shows, and fairs are other great places to collect teddies. Those who prefer to hold a teddy bear before buying may prefer to get them direct from a shop.

If you are considering vintage teddy bear collecting, you may want to determine the best type. It is wise that you start by collecting what you love. One important teddy bear collection tip is to check the bear’s condition and authenticity before buying.
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Benefits Of Hiring A Professional Plumbing Company

It doesn’t really matter if you are in the office working or at home, regular maintenance for plumbing should always be scheduled. This is very important to keep your toilets, sinks and pipes in working condition. Hygiene is also an important factor, having working drains is vital for proper disposal of waste. This is the reason why you should grab your phone and call a professional plumbing company today. If you ignore and neglect the smallest problem in plumbing, this could cause you thousands of dollars in repairs in the future. A lot of homeowners feel anxious and stressed out when deciding NOT to call for help. Do not wait for the problem to become a major issue, save yourself from stress and anxiety and call a professional today.

There is no need to worry about spending a huge amount of money for future repairs when we hire professional plumbing companies. We should make it a habit to set maintenance on a regular basis.

Make sure to search the internet or ask for referrals from your friends and family when looking for a reliable plumbing company. It is a fact that problems and issues on our sinks, toilets, drains, etc. are inevitable.
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This is why you should call a professional plumber
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We sometimes ignore the fact that we need professional help because we think that we can save more money this way. What we don’t know is that this causes more destruction and in the end cost us even more. It is certain that professional plumbers are knowledgeable and capable of eliminating these problems. They are the best people for the job because they are trained to do this and been doing this for a living.

It is not enough to just be knowledgeable when dealing with plumbing issues, you must also know the right techniques and have the right skills. Good Plumbing companies are updated with the latest technology on solving plumbing issues.

Hiring professional plumbing companies saves you from the disappointments of not being able to keep your made promises to your family on family vacations, outings etc. It saves you from stress and anxiety, it’s always nice to be assured that the professionals can solve your problem and you can just relax.

They are very capable to be at your service even in emergency situations. Not only that they permanently solve your plumbing problems, they would also take the extra step in giving you a report, so that you won’t be facing the same problem again in the future. It is always an advantage to seek assistance from professional plumbers.

Why No One Talks About Schools Anymore

A Guide to Online Jewish Schools

There are different types of online learning options, and time is their one criterion. On the one hand, the online program can be accessed by the student at his own time, while the other type of online program has a live teacher that teaches them at a particular period of time. Both programs has its own benefits which are discussed below.

As part of the academic programs of many Jewish day schools, online learning options are given to students. Cost savings, staffing, and technology integration are the main reasons for doing this. Different online programs are available to students. Theses different online programs are for students who have differing needs. It is thus important that those who provide education for students know the options that are available and how to select the programs appropriate for the students.

There are two different options to an online learning program as already stated above. The first options uses self-paced and prerecorded lessons which can be accessed by the students online any time while proceeding at their own pace. This first type of online learning program is beneficial because you can proceed at your own pace and at your own convenience, and it is also low in cost. In this type of online learning, there is a vast list of available courses so that even for a specialty subject, there is material available. In this type of online learning, school teachers and administration can view the progress and marks of an enrolled student at any time.
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There are also problems to this type of online learning. For one, this type of program works well with students who are well motivated. This method has not been proven successful for less motivated students. These programs are also not personalized. There is no one to provide assistance if a student needs help in a specific area.
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Many Jewish schools, however have found this online learning program profitable. The blended learning technique have been used by some Jewish high schools where they incorporated online learning with classroom learning. It is said to be a perfect fit in the blended learning environment. Teachers provide assistance to their students’ online courses if they need help. Even if this support system is not part of the course, teachers still provide help if requested by students. The reasonable cost of this online learning program makes it easy to add courses you like.

This type of learning, however, has not worked for all Jewish schools. Some schools offer online courses integrated into the learning environment. These schools still do traditional classroom courses but they offer online options as a supplement tool so that they are provided specific educational programs that are necessary. They say that live courses do a much better job of blending with the traditional learning environment. With this set-up, the school is more confident about student mentoring and tracking.

Small Business Finance – Finding the Right Mix of Debt and Equity

Financing a small business can be most time consuming activity for a business owner. It can be the most important part of growing a business, but one must be careful not to allow it to consume the business. Finance is the relationship between cash, risk and value. Manage each well and you will have healthy finance mix for your business.

Develop a business plan and loan package that has a well developed strategic plan, which in turn relates to realistic and believable financials. Before you can finance a business, a project, an expansion or an acquisition, you must develop precisely what your finance needs are.

Finance your business from a position of strength. As a business owner you show your confidence in the business by investing up to ten percent of your finance needs from your own coffers. The remaining twenty to thirty percent of your cash needs can come from private investors or venture capital. Remember, sweat equity is expected, but it is not a replacement for cash.

Depending on the valuation of your business and the risk involved, the private equity component will want on average a thirty to forty percent equity stake in your company for three to five years. Giving up this equity position in your company, yet maintaining clear majority ownership, will give you leverage in the remaining sixty percent of your finance needs.

The remaining finance can come in the form of long term debt, short term working capital, equipment finance and inventory finance. By having a strong cash position in your company, a variety of lenders will be available to you. It is advisable to hire an experienced commercial loan broker to do the finance “shopping” for you and present you with a variety of options. It is important at this juncture that you obtain finance that fits your business needs and structures, instead of trying to force your structure into a financial instrument not ideally suited for your operations.

Having a strong cash position in your company, the additional debt financing will not put an undue strain on your cash flow. Sixty percent debt is a healthy. Debt finance can come in the form of unsecured finance, such as short-term debt, line of credit financing and long term debt. Unsecured debt is typically called cash flow finance and requires credit worthiness. Debt finance can also come in the form of secured or asset based finance, which can include accounts receivable, inventory, equipment, real estate, personal assets, letter of credit, and government guaranteed finance. A customized mix of unsecured and secured debt, designed specifically around your company’s financial needs, is the advantage of having a strong cash position.

The cash flow statement is an important financial in tracking the effects of certain types of finance. It is critical to have a firm handle on your monthly cash flow, along with the control and planning structure of a financial budget, to successfully plan and monitor your company’s finance.

Your finance plan is a result and part of your strategic planning process. You need to be careful in matching your cash needs with your cash goals. Using short term capital for long term growth and vice versa is a no-no. Violating the matching rule can bring about high risk levels in the interest rate, re-finance possibilities and operational independence. Some deviation from this age old rule is permissible. For instance, if you have a long term need for working capital, then a permanent capital need may be warranted. Another good finance strategy is having contingency capital on hand for freeing up your working capital needs and providing maximum flexibility. For example, you can use a line of credit to get into an opportunity that quickly arises and then arrange for cheaper, better suited, long term finance subsequently, planning all of this upfront with a lender.

Unfortunately finance is not typically addressed until a company is in crisis. Plan ahead with an effective business plan and loan package. Equity finance does not stress cash flow as debt can and gives lenders confidence to do business with your company. Good financial structuring reduces the costs of capital and the finance risks. Consider using a business consultant, finance professional or loan broker to help you with your finance plan.

Commercial Truck Financing – How is the System Structured?

First there are the captive finance companies. Think of them as the financing arms of all the major manufactures. They exist solely to provide financing to the public in an effort to sell their trucks. In the past they have been somewhat liberal in their underwriting criteria and like the mortgage industry perhaps too liberal. This relaxed underwriting of the past has caused serious defaults today. This has resulted in a subsequent tightening of credit. The end result is the selling of less trucks and trailers; customers have a harder time getting financing. Nonetheless, the captive financing company will always be part of the commercial truck financing game.

Second are the independent financing companies. They are not tied to the manufactures in any way. They exist to make a profit from financing commercial trucks and other equipment. They can be a welcome alternatives for several reasons. First they can be someone to turn to if a good credit customer is “tapped out” with the captives. This means they have already financed trucks with the captive financing companies and they don’t want to do anymore for the customer (at least for now). These “A” credit sources are competitive on rate with the captives and, using different independent sources, a customer can finance an unlimited number of trucks. Independents are great for other reasons too. Say a customer wants a TRAC lease with different parameters than what the captives are offering. They can search for an independent that can tailor a TRAC lease for that customer. This is invaluable for the more sophisticated customer that has tax structure as their main objective. Here’s another one, we have customers calling us all the time that may only work nine months out of the year. They need financing that can offer skip payments. This way the customer can make nine payments a year instead of twelve; taking three months off of making their payments. One last one that hits home with us, the customer with bad credit. A captive financing company generally works only with people with good credit. For the customer with bad credit, their choices are limited. Thanks to independent financing companies (like ours) that specialize in customer with bad credit; these customers can get the financing they need to start or grow their business. Think of independent financing companies as offering financing products that can accommodate almost any need.

The third financing arm for commercial truck financing is the in-house financing program. Usually offered by the smaller vendor, in-house financing offers benefits for both dealer and customer. By offering financing in-house the dealer is able to move more inventory than if he didn’t. This is important because a smaller dealer doesn’t always have a captive finance program. And with credit tightening up the independent financing companies are becoming less important. The dealer can act like an independent financing company by offering all the same products while keeping the benefits of earning interest on the trucks they sell. The bad side, of course, is they also suffer in the case of defaults where the customer stops making payments. The benefits to the customer is they have a one stop shop where they can finance a truck at the same place they are purchasing it from. Downside is they are limited to their inventory.

Financing Cash Flow Peaks And Valleys

For many businesses, financing cash flow for their business can be like riding a continuous roller coaster.

Sales are up, then they do down. Margins are good, then they flatten out. Cash flow can swing back and forth like an EKG graph of a heart attack.

So how do you go about financing cash flow for these types of businesses?

First, you need to accurately know and manage your monthly fixed costs. Regardless of what happens during the year, you need to be on top of what amount of funds will be required to cover off the recurring and scheduled operating costs that will occur whether you make a sale or not. Doing this monthly for a full twelve month cycle provides a basis for cash flow decision making.

Second, from where you are at right now, determine the amount of funds available in cash, owners outside capital that could be invested in the business, and other outside sources currently in place.

Third, project out your cash flow so that fixed costs, existing accounts payable and accounts receivable are realistically entered into the future weeks and months. If cash is always tight, make sure you do your cash flow on a weekly basis. There is too much variability over the course of a single month to project out only on a monthly basis.

Now you have a basis to assess financing your cash flow.

Financing cash flow is always going to be somewhat unique to each business due to industry, sector, business model, stage of business, business size, owner resources, and so on.

Each business must self assess its sources of financing cash flow, including but not limited to owner investment, trade or payable financing, government remittances, receivable discounts for early payment, deposits on sale, third party financing (line of credit, term loan, factoring, purchase order financing, inventory financing, asset based lending, or whatever else is relevant to you).

Ok, so now you have a cash flow bearing and a thorough understanding of your options available for financing cash flow in your specific business model.

Now what?

Now you are in a position to entertain future sales opportunities that fit into your cash flow.

Three points to clarify before we go further.

First, financing is not strictly about getting a loan from someone when your cash flow needs more money. Its a process of keeping your cash flow continuously positive at the lowest possible cost.

Second, you should only market and sell what you can cash flow. Marketers will measure the ROI of a marketing initiative. But if you can’t cash flow the business to complete the sale and collect the proceeds, there is no ROI to measure. If you have a business with fluctuating sales and margins, you can only enter into transactions that you can finance.

Third, marketing needs to focus on customers that you can sell to over and over again in order to maximize your marketing efforts and reduce the unpredictability of the annual sales cycle through regular repeat orders and sales.

Marketing works under the premise that if you are providing what the customer wants that the money side of the equation will take care of itself. In many businesses this indeed proves to be true. But in a business with fluctuating sales and margins, financing cash flow has to be another criteria built into sales and marketing activities.

Overtime, virtually any business has the potential to smooth out the peaks and valleys through a more robust marketing plan that better lines up with customer needs and the business’s financing limitations or parameters.

In addition to linking financing cash flow more closely to marketing and sales, the next most impactful action you can take is expanding your sources of financing.

Here are some potential strategies for expanding your sources for financing cash flow.

Strategy # 1: Develop strategic relationships with key suppliers that have the ability to extend greater financing in certain situations to take advantage of sales opportunities. This is accomplished with larger suppliers that 1) have the financial means to extend financing, 2) view you as a key customer and value your business, 3) have confidence in the business’s ability to forecast and manage cash flow.

Strategy # 2: Make sure where possible that your annual financial statements show a profit capable of servicing debt financing. Accountants may be good at saving you income tax dollars, but if they drive business profitability down to or close to zero through tax planning, they may also effectively destroying your ability to borrow money.

Strategy # 3: If possible, only transact with credit worthy customers. Credit worthy customers allow both the business and potential lenders to finance receivables which can increase the amount of external financing available to you.

Strategy # 4: Develop a liquidation pathway for your tangible assets. Equipment and inventory are easier to finance if lenders clearly understand how to liquidate the assets in the event of default. In some cases, businesses can get resale option agreements on certain equipment or inventory from prospective buyers assignable to a lender to be used as recourse against a lending facility for financing cash flow.

Strategy # 5: Joint venture a sales opportunity with another business to share the risk of a large sales opportunity that may be too risky for you to take on yourself.


The primary long term objective of a business with fluctuating cash flow and margins is to smooth out the peaks and valleys and create a scalable business with more of a predictable sales cycle.

This is best achieved with an approach that including the following steps.

Step #1. Micro Manage your fixed costs and cash flow and accurately project out the cash flow requirements of the business on a weekly basis.

Step #2. Take a detailed inventory of all the sources you have for financing cash flow.

Step #3. Incorporate your financing constraints into your marketing approach.

Step #4. If possible, only transact with credit worthy customers to reduce risk and increase financing options.

Step #5. Work towards expanding both your financing sources and available source limits for financing cash flow.

Business cycle stability and cash flow predictability is an evolutionary step for every business. The industries with longer sales cycles will tend to be the more difficult to tame due to a larger number of variables to manage.

Purchase Order & Letter of Credit Financing

Many business opportunities come with an associated challenge. For most entrepreneurial businesses, the greatest challenge is financing the business opportunities created by your sales efforts. What are your options if you have a sales opportunity that is clearly too large for your normal scale of operations? Will your bank provide the necessary financing? Is your business a startup, or too new to meet the bank’s requirements? Can you tap into a commercial real estate loan or a home equity loan in sufficient time to conclude the transaction? Do you decline the order? Fortunately there is an alternative way to meet this challenge: You can use Purchase Order Financing & Letter of Credit financing to deliver the product and close the sale.

What is purchase order financing?

Purchase order financing is a specialized method of providing structured working capital and loans that are secured by accounts receivables, inventory, machinery, equipment and/or real estate. This type of funding is excellent for startup companies, refinancing existing loans, financing growth, mergers and acquisitions, management buy-outs and management buy-ins.

Purchase order financing is based upon bona fide purchase orders from reputable, creditworthy companies, or government entities. Verification of the validity of the purchase orders is required. The financing is not based on your company’s financial strength. It is based on the creditworthiness of your customers, the strength of the commercial finance company funding the transaction, and in most cases a letter of credit.

What is a letter of credit?

A letter of credit is a letter from a bank guaranteeing that a buyer’s payment to a seller will be received on time and for the correct amount. If the buyer is unable to make payment for the purchase, the bank is required to cover the full amount of the purchase. In a purchase order financing transaction, the bank relies on the creditworthiness of the commercial finance company in order to issue the letter of credit. The letter of credit “backs up” the purchase order financing to the supplier, or manufacturer.

Is purchase order financing appropriate for your sales program?

The perfect paradigm is a distributor buying products from a supplier and shipping directly to the purchaser. Importers of finished goods, exporters of finished goods, out-source manufacturers, wholesalers and distributors can effectively use purchase order financing to grow their businesses.

Is purchase order financing appropriate for growing your sales orders?

Purchase order financing requires you to have management expertise- a proven track record in your particular business. You must have bona fine purchase orders from reputable firms that can be verified. And you must have a repayment plan; often this is from a commercial finance company in the form of accounts receivable or asset-based financing.

You should have a gross margin of at least 25% to benefit from purchase order financing. Sellers of services or commodities with low margins, such as lumber or grain, will not qualify.

The bottom line decision for purchase order financing:

It can take two or more years to develop a profitable business. Banks generally base their lending limits on a business’ performance for the past two or three years. Purchase order financing, combined with letters of credit and/or accounts receivable or asset-based financing can give you sufficient funds to cover your operating costs, financing costs and still realize significant profits. If you qualify for purchase order financing, you can grow your business by taking advantage of large purchase orders and eventually qualify for bank financing.

Lawsuit Financing Companies

Attorneys, law firms, lawyers, beneficiaries or clients usually form lawsuit-financing companies. Lawsuit financing companies can also provide appeal finance, firm finance, custom finance or estate finance.

Many lawyers and attorneys create lawsuit financing companies based on their experience and the types of cases they encounter the most. Attorneys and lawyers with expertise in personal injury lawsuits or patent lawsuits help by providing cash advances and support in their fields.

Lawsuit financing companies provide many financing options. With a significant monthly fee, a few lawsuit financing companies may help to settle the case faster. Though a large variety of options are available, the plaintiff has to discuss with the attorney which option is best suited to him.

The lawsuit financing company and the plaintiff can make an agreement of the amount of share the lawsuit financers would obtain after the settlement or the verdict is known. This is called “flat fee”. Apart from the flat fees, the plaintiff has to pay a minimum fee every month, called “recurring fees”, to the lawsuit financing company. This recurring fee can be as low as 2.9% in the case of a few lawsuit financing companies, or could be as high as 15% with other companies.

It is the financing company’s decision as to how much to pay as the cash advance. Lawsuit financing companies pay from $1000 to about a million dollars depending on the case.

Every lawsuit financing company would have a team of lawyers to assess the strength of the case. The key is to avoid funding frivolous complaints. Thus the financing companies will scrutinize the complaint and decide the chances of success of the case.

Lawsuit financing companies do not term their cash advances as loans but as investments. The applicant has to repay after the verdict. Usually the monetary settlement that is obtained after the settlement by the court is larger than the company’s advance. The lawsuit financing company should be paid the principal and the predetermined share of the monetary verdict.

Many lawsuit financing companies can be approached through the Internet. Companies like legalcashnow.com, legalfundingnetwork.com and lawsuitcash.com are available on the Internet. Websites like these are flooded with information and instructions regarding lawsuit financing.