Savings

5 Things You Should Know about Investing in Silver

16/11/2011
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Investing in Silver

Everyone seems to be interested in investing in gold, but silver prices are on the rise as well. While silver may not be as expensive as gold, it’s still a valuable investment. Of course, there are a few things you need to understand about this precious metal before spending your hard earned cash. Here are just five things you should know about investing in silver. Understand the Weight of Silver Weights can be rather confusing when it comes to precious metals, but you need to understand them. Not understanding how silver is weighed can lead to a poor investment. When purchasing silver, you may see it listed by troy pound, which is 12 troy ounces. Before you make your purchase, do the math to see whether or not the troy pound price breaks down to a good troy ounce price. Shop for Assay Certified Silver An assay certification is...

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Toilets and Compensation Claims: Porcelain Throne Payouts

14/11/2011
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toilet

Going to the toilet is usually a hassle-free experience for those of us who avoid eating vindaloo on an all too regular basis. Many people even choose to use their time on the bog to indulge in a spot of reading or gain a few more stars on popular mobile game Angry Birds. For some though, going for a number one and/or two has proven to be a less than simple act and has resulted in claims for compensation being made. Here are just a handful of toilet-related compensation stories which have hit the headlines over the last decade: Festive Bog Lock-In Drives Man Round U-Bend December 2010 saw a jogger spend 17 hours trapped inside a block of public toilets after an attendant locked them at 4.30pm on Christmas Eve without first checking that no one was inside. The unnamed man was finally released at 9.30 on Christmas...

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Top Tips for Buying a Home During a Recession

10/11/2011
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buying a home

Don’t buy unless you’re financially stable doing so if you’re not is incredibly risky. Are your job, your salary and your working hours secure? If not, you might want to hold back on buying until you can be sure they are – being unemployed with a mortgage to pay is not a position you want to be in. What’s more, do you have a good credit rating? In order to get the best mortgage rates, you need to have a great credit rating. Again, if this isn’t the case it might be an idea to hold back for a while. Take out a credit card, use it for small payments and ensure to pay it off every month to help build up a positive credit rating. Consider if you really need to move or is there an alternative? This is a risky time to be buying would your current...

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4 Indicators That Predict Rising Gold Prices

09/11/2011
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Gold Prices

Over the last few years, gold has experienced a sudden price spike, similar to what occurred in the 1980′s. As of today (Nov 3, 2011), gold sits at $1762 an ounce, which is down $134 from an all time high of $1896 (on September 2011). Experts are mixed as to whether gold is teetering on the edge of a bubble, or if it will continue to gain value in the long term. If we look at past events which contribute to increases and decreases in the price of gold, we may be able to determine its future value by examining these “predictors”. Predictors of Gold and Precious Metal Prices Inflation – Stimulus programs are currently propping up the economy and have been introduced in many other countries to fight the global recession. As more money is printed, paper currencies tend to be worth less. The inflation of currency makes...

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Are You Under Valuing Your Jewelry?

07/11/2011
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Valuing Your Jewelry

The value of gold has increased by 569% and silver has increased by 885% over the last ten years, just two of the many results of a flailing world economy. Investors have spent billions of pounds on precious metals over the decade viewing it as a safe haven for their cash when stock markets have been fluctuating and business growth has been feeble. Whatever the cause the fact is that if you own gold or precious metal jewelry you need to consider having it valued or re-valued. The metal value has increased so sharply that any valuation is likely to be significantly underestimating the value of your jewelry. If something was to happen to your jewelry then you would not be able to replace it with a similar item if the value of your insurance claim did not cover the value of the item. One of my customers bought...

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Save Money This Winter – Make Your Own Fire Logs

03/11/2011
By
Save Money

Energy costs are increasing, making it harder for people to heat their homes affordably. Lowering the thermastat is one way to save money, and supplementing heat with a fireplace is another. You can use that fireplace to save even more money if you make your own fire logs. Old newspapers and junkmail are always piling up in a corner. Instead of just throwing them away you could convert them into fire logs. There are different ways to this and people report different degrees of success. Making fire logs is not a new concept but it’s one of those old-fashioned ways to save money that many have forgotten about. Those who have tried it report that these homemade logs are excellent companion logs. They are not good as a primary fire sources, but work well with other logs to help a fire burn longer. Here are a few methods that...

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Budgeting Tips for a Spectacular Holiday

31/10/2011
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Budgeting Tips

No matter how wonderful they turn out, the holiday season always seem to bring a lot of stress. While we all enjoy the holidays, not having to worry about them financially would make them even brighter. There are many things that can be done to create a spectacular holiday without the existence of enormous bills to deflate us after and create the mood commonly known as the holiday blues. In order to budget for a holiday, planning is a must. First figure out everything you will need in order to pull off your version of the perfect holiday. Here are a few tips to help you save while still out performing yourself as usual. Decorations – If you are someone who wants the holiday to permeate your living area it is time to get a little crafty. There are many homemade items that will not only look beautiful but...

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Why Daily Deals make Perfect Christmas Gifts

27/10/2011
By
Shopping Online

The festive season is looming large on the calendar and as usual you’re scratching your head and wondering what exactly to buy for everyone this year. If you can’t think beyond the usual cycle of socks, bath salts, chocolates and pullovers with reindeer on the front, help is at hand. Daily deals can make thoughtful and individual Christmas gifts that not only save you money, but are sure to be appreciated far more than yet another tin of Highland Shortbread The joy of using a daily deals site to choose your Christmas gifts (apart from extraordinary discounts and avoiding the seasonal claustrophobia of the shopping centre) is that you can buy not only physical gifts such as jewellery, art or electronics, but also experiences that suit your recipient perfectly and can provide lasting memories. Buying your Christmas gifts via a daily deals site couldn’t be easier. Enter your email...

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Saving Money During Summer: Tips

19/10/2011
By
Saving Money

Summer time to relax and have some fun with your kids. For some, summer time is when their expenses really go up. Those who live in warm places need to turn on their air conditioning units to escape the summer heat. And since the kids are home, many electronics and appliances are open all day. If your household spends more than it should during the summer months, here are some tips you will surely love. Use alternative cooling appliances. Having the air conditioner on for long periods of time can put a dent in your wallet and in the environment. Use the air conditioner only for a few hours and only when you really need it. You can purchase electric fans or other cooling appliances that will not cost as much to operate. If there’s a cool breeze outside, open the windows instead and let the fresh air in....

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How To Get Out Of Debt – Fast!

18/10/2011
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get out of debt

Are you hopelessly in debt? Have you maxed out your credit cards and feel like you have nowhere to turn to? Is your net worth now in the negative? Don’t despair. There is a way to change your current situation. You can still turn things around and make it better. Let me reveal to you 4 steps on how to get out of debt – fast! First, plug the hole. If there is a leak in your tub no matter how much water you put in, it can never be full unless you plug the leak. In the same way, in order to get out of debt find out why you are in debt in the first place. Track down your expenses and determine where the bulk of your money has been going. Has it been going to shopping sprees, eat outs or expensive vacations? Figure out where you...

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