Make The Right Decision Regarding Owning Or Renting An Apartment

reasons why renting is better than buyingPurchasing or renting an apartment can be one of the most important life decisions and making it right will go a long way in terms of being contempt with the place you will rest your head every night of your life. A decision of this magnitude should be done with extra care bearing in mind a lot of financial components such as utilities and the amount of money required for maintenance. When it comes to the factors which involve owning an apartment there are a lot of them to take into account and if treated accordingly, one’s life will be a breeze in respect to housing and owning such a property.

Financial Aspects

When it comes to the financial aspect, the best benefit of owning an apartment comes down to the aspect of having it rented. Rent is a lot cheaper than having a mortgage and factors such as upkeep are generally lower in price taking into account that these aspects are generally covered by the landlord as opposed to a tenant. One is advised to look for Vintage apartments as they usually come at a cheaper price.

Maintenance

Maintenance wise, they are a lot lower as mentioned before. The lack of such worries is going to be great in the long run as it removes some extra care which should be given to a property. Various conditions such as heavy snow will not hamper you as there will be no need to shovel or mow the lawn when it grows. The landlord will take care of that as not only will renting be more convenient but in some cases it will also prove to be cheaper.

Amenities

Apartment complexes usually offer the benefit of coming with a set of amenities such as pools or gyms if one chooses to opt for Altana luxury apartments or Aventine apartment homes. Convenience stores as well as laundry facilities will be right next to you and not only does it offer some flexibility and saves some time but certain chores such as doing laundry will be completely ruled out of one’s worries.

Safety

Safety is an important factor when it comes to investing in an apartment which provides such benefits and investing in a security system in an apartment complex will go a long way in making one sleep better at night by not having to worry about potential burglars and dangers which might otherwise occur if such systems are completely absent. The community factor should also be taken into account as some neighborhoods tend to have a night’s watch patrol which takes care of areas in rotation so that everyone feels safer in the place they live in.

Why Are Millennials Struggling with Retirement Savings?

Most of the older generation is of the mindset that millennials don’t know how to save for retirement (or even care), but that’s not 100% true. Gen Y is actually thinking about retirement planning rather early in life:

  • For adults under the age of 30, the biggest retirement fear is that they will run out of money by the time they retire, and many plan to continue working.
  • More than 80% of millennials believe they cannot rely on Social Security to keep them comfortable in retirement.
  • Most believe their retirement will be self-funded, and over 70% started saving for it at an average age of 22.
  • Millennials are also using modern tools to their advantage, such as mobile apps that help them manage their retirement savings.

However, there’s a flip side as well. For instance, over 60% of millennials believe they need expert guidance, yet only one in three actually consult a professional financial advisor. Over 50% have not calculated how much they will need for retirement, relying on “guesswork” to reach an estimated figure.

Retirement Planning Obstacles for Millennials

 Here are some of the main obstacles that millennials face while planning for retirement:

  • No Savings in IRAs – Individual Retirement Accounts (especially Roth IRAs) offer some heavy-duty tax breaks, but most millennials haven’t started using these accounts to their advantage. 401(k) accounts allow millennials to gain from matching employer contributions, but they also need to park some savings in a Roth IRA for tax-free withdrawals in retirement.
  • Student Loans and Debt – The use of student loans is widespread, especially among the younger generation. When you’re making plans to pay off debt and save for retirement, the process can be rather challenging. For those still paying for their college education, it’s crucial to work with a financial advisor who can help formulate a repayment plan as well as build assets for the future.
  • Job and Income Instability – The recession left behind a host of problems, creating an unstable economy with a tough labor market. Unless they were lucky enough to graduate in a high-paying field, most students take whatever work they can get. With lack of stability and low earnings, retirement savings get pushed aside by simple survival and the struggle to meet basic expenses.
  • Higher Lifestyle Expenses – Students fresh out of college earn less than their older counterparts for at least the first 10-15 years, if they’re lucky enough to find employment at all. At the same time, inflation has been on the rise. This creates a vicious circle for millennials, since it’s hard to put aside funds for tomorrow while struggling to keep a roof over your head today!
  • Lack of Emergency Savings – Even millennials who understand and work toward retirement planning neglect to create an emergency fund. Wonder why “saving for a rainy day” matters when you’ve already saved in a retirement fund? It’s all about protecting those savings from early withdrawal penalties, and avoid running up debt for unexpected expenses.
  • Ineffective or No Budgeting – Millennials are accused of being too focused on the latest gadgets, gizmos and personal items, which is often true. It may seem like a good idea to splurge on something because “YOLO”, but it’s also critical to factor in the long-term impact of any expense on future financial security. A well-planned budget is the only answer.

Millennials and Retirement Planning: The Bottom Line

Most millennials are hoping to retire early (by age 65 or earlier), so they have more time and energy to enjoy the things they’d like to do when there’s no more work pressure. However, without a proper financial strategy, it’s going to be hard for young investors to meet their goals.

Contributing to a company 401(k) and an IRA is a good start, but it’s equally important to consult a financial advisor and work on a smart savings plan for retirement!

Author Bio:

Rick Pendykoski is the owner of Self Directed Retirement Plans LLC, a retirement planning firm based in Goodyear, AZ. He has over three decades of experience working with investments and retirement planning, and over the last 10 years has turned his focus to self-directed accounts and alternative investments.

Rick regularly posts helpful tips and articles on his blog at SD Retirement as well as MoneyForLunch, Biggerpocket, SocialMediaToday, WealthManagement, SeekingAplha, and NuWireInvestor.

How Is Gold and Silver Valued?

Whether it is about trading, mining, or recycling metals like silver and gold, it is important to understand how each is valued. Pricing metals is not the same as attaching a value to assets. Valuing silver and gold is something that consumers, miners and exploration companies must know their way around.

Where Does the Value of Gold and Silver Come From Anyway

Historically, people were challenged to come up with a form of currency. This medium of exchange was supposed to be practical and portable to replace the barter system, which landed them to the choices of metal. Unlike many other metals on the periodic table, gold and silver can be melted over flame to make coins, do not corrode, and are fairly rare in the world. Between silver and gold, gold stands out far better too as it is easier to recognize because of its unique properties like it absorbs some light when exposed to it.

Gold and silver do not have to have any intrinsic value. The rule of currencies is that it only has any value when societies determine a value for it.

Forward to current day and economies have applied a certain value on these metals, perpetuating their worth. Gold has always been the metal everyone falls back on when a specific form of currency does not work. Gold will always have some sort of value and act as insurance in tough times too.

Sources of Pricing

There are two types of prices. The market price at which something is sold or bought for fast payment and delivery is called spot prices while future price is simply the value at which participants enter an agreement contract to transact on a certain date.

Large Bullion Traders and Banks

Bullion traders and banks work with large volumes of metals with their clients. They sell and buy metal which becomes a part of their trading process. As a result, these work as reliable sources of valuing precious metals.

OTC Markets

This is a market of securities off the exchange market. Here people trade through the electronic network. Financial organizations work as market makers and bid a value that works as the spot price.

Future Values of Silver and Gold

Precious metals futures contracts are traded through major exchanges around the world. These exchanges are important sources for the future values of metals like silver and gold.

Fixing

Fixing is referred to the agreements between participants on one side in a market to sell or buy metals like silver and gold at a certain price while maintaining market conditions so that the price remains the same. This is done by controlling demand and supply to an extent. Throughout the proceedings as price is moved higher and lower as orders are changed until the time comes that orders are satisfied and price is fixed.

Sources:

http://www.investopedia.com/articles/investing/071114/why-gold-has-always-had-value.asp

https://www.goldbroker.com/investing-guide/how-gold-silver-prices-are-determined

How to Save Money by Eliminating Debt

debtIs one of your goals to improve your financial health? If you want to save more money, the first step is getting out of debt. There are many different methods about how to best manage and eliminate debt, and the important thing is to find the one that works for your lifestyle. The best method for eliminating debt is the one you can actually stick to for a long period of time.

The easiest way to start is to do a little research to learn about the different types of debt, consolidation and payoff strategies, and budgeting methods. Once you have a good understanding of the options, you can choose the one that’s the right fit for you. Here are some possible strategies for reducing your debt, saving more, and improving your overall financial situation.

Understand Your Personal Debt

If you are like most people, you have a combination of “good” and “bad” debt. Good debt refers to secured debt where there is a reasonable expectation of a return on investment. A mortgage is generally considered good debt. Credit card balances are generally considered bad debt because the interest rates are extremely high and the debt is unsecured. Before you come up with a plan to pay off your debt, look at your overall financial situation and determine how much good and bad debt you have. It’s usually best to pay off the bad debt first.

Stop Overspending

Before you can start paying off your debt in earnest, you may need to rein in your spending habits. For some people, this isn’t possible. If all your monthly spending is truly necessary (such as utility bills, school tuition, mortgage payments, and food), then you may not be able to change it. But most people have at least a few unnecessary expenses every month, such as eating out, daily lattes, or magazine subscriptions. Take a good look at your spending and find any areas where you can cut back until you get your debt under control.

Prioritize the Payoff Strategy

Once you have a good understanding of all your debt and have cut back on unnecessary spending, you should prioritize which debts you want to pay off first. There are several different theories about whether you should pay off “bad” debt first, or the debt with the highest interest rate, or the one with the largest balance, or prioritize according to any number of other aspects. You should choose the method that makes the most sense to you and the one you feel you’ll be the most motivated to achieve.

Create a Plan

Now that you know which debts you want to pay off first, it’s time to make a plan. Budgeting is an important part of the plan, so you know exactly how much of your income you can put towards debt repayment and how much you need to keep for living expenses. Some people find that using an automatic payment plan works well for actually sticking to the payoff plan.

Consider Refinancing

One option for consolidating debt in order to reduce interest payments is to refinance your mortgage. The options for refinancing depend on the current state of the economy, your equity in your home, your credit score, and many other factors. Refinancing is a very smart financial move for some people. It’s a good idea to read about how a refinancing plan works, and if possible talk with a financial adviser or another expert to determine if it’s the right move for you.

Research a Personal Loan

One way to consolidate your debt and start rebuilding your credit is to secure a personal loan. While this type of loan can be used for many things, one particularly good use is to pay off high-interest credit card balances. There are many personal loan providers so it’s important to use a loan comparison tool to figure out which one is the right fit for your situation. Once you know a bit about the providers, terms, and options, you can apply for your loan and get those credit cards paid off.

One of the best ways to save money and improve your financial situation is to get rid of your personal debt as much possible. Paying off debt can be a complex process, so the best way to start is through careful research and planning, and then staying with your plan until you pay off your loans.

6 Expenses You Should Evaluate Every Year

Auto payments have made managing the household budget much easier. But putting everything on autopilot could end up costing you. With new service providers and deals popping up every day, it pays to evaluate certain expenses at least once a year.

Gas and Electricity Costs

Live in a deregulated energy area? Then you’ll want to check the kilowatt-hour rate of electricity at least once every six months or a few weeks before your contract is up. Electric and gas providers are free to adjust their rates at any time and special deals could help you save. The cost of energy sources such as natural gas and coal can also influence rates.

When you sign up for an energy plan you have the choice of locking in a rate for a specific time or opting for a fluctuating rate. If you want even more flexibility with rates, choose a plan like the ENMAX Easymax. Customers using this service can switch between fixed rate and floating rate each month.

Television and Internet Service

It’s happened to all of us. We sign up for a cable or satellite TV plan with a great intro rate. But as soon as the first 12 months are up, the price suddenly skyrockets. Time to find a more cost-effective entertainment source.

Providers are offering new plans all the time. You’ll get the best deals by pairing television and internet service in one plan. Having cable or satellite TV service along with streaming services like Netflix provides endless entertainment options. Of course, more and more people are ditching the cable and satellite providers altogether and saving money by strictly watching online.

Cell Phone Service

The cell phone market just continues to grow, and as it does more plans are hitting the market. These days the price of plans largely depends on the monthly data usage. Most providers offer a few unlimited data plans, but they may not be the most cost effective.

Take a look at your data usage over the last year. Look for the peaks to determine the most data you’re likely to use in a given month. That’s a good baseline for which cell phone plans will meet your data needs and circumvent expensive overage charges.

Car Insurance

Shopping for car insurance is a necessity since insurance is required by law in almost every state. Your location can play a role in cost since providers take it into consideration when setting rates. The number of providers offering auto insurance will also vary from one city to the next.

It’s important to check available rates at least once a year because your driving record is always changing, which may decrease the monthly premium. There are also a number of other factors that can affect your car insurance rate over time. For instance, if you finally own your car or drive fewer miles to work you can take advantage of better rates.

Home/Renters Insurance

Like your car insurance, you also want to evaluate your homeowners or renters insurance annually. If you move or buy new high-end items you’ll definitely want to update your plan so you’re properly covered.

While you’re comparing plans, keep in mind you can reduce costs by switching providers, increasing the deductible or changing the way personal items are insured. You may also be able to lower your rate by using the same provider for your home insurance and auto insurance.

Gym Membership

If it’s been a year since you signed up for a gym membership, now is the time to see if you could get a better deal elsewhere. Going to the gym is an investment in your health, but if you can save a few bucks every month that’s good for your financial health as well.

There are several ways to save on a gym membership. Start by checking the rates at your current gym. If they’re offering a special deal or have lowered their rates for new members they may extend the offer to you. You can also see if you can get discounts through your health insurance. Another way to save is to sign up with a group. Get your co-workers together to compete in a fitness challenge at the start of the year. You’ll also save money while you gain strength and lose weight.

Explained: Forex and Binary Options Signals

An increasing number of people are beginning to feel attracted towards the idea of trading in certain financial markets. The internet has made trading accessible to anyone who has a laptop or PC and an internet connection. If you find the idea of trading exciting or as a way of carving out financial independence, then all you need to do to start is find yourself a reputable broker.

The two most popular markers for new traders are binary options and forex.

Binary options

An ‘option’ is a contract that you make with a broker regarding a commodity. You do not actually purchase any of the commodity itself – the broker with pay you based on the contract. A ‘binary option’ is so called as there can only be two results – you are right, or you are wrong. The contract will basically state ‘I am investing a sum with a broker that will be doubled as my return (less the broker’s fee) if the price of a commodity rises/falls within an agreed timeframe’.

An example of this – you invest $100 in the price of USD rising against GBP within four hours. If you are right your investment is doubled minus the fee (typically ten percent). If you are wrong, your investment is lost.

Forex markets

Forex (or foreign exchanges) is where you convert from one currency to another, in the hope that the price of the currency will rise in comparison to the one you have converted from, or to other currencies.

Forex trading is more complex than binary options trading as you are making the purchase of the currency using your own money. You will also need to specify how much of the currency you are willing to buy, what price (whether the price of the currency you bought rises or falls) you will sell at and when you will sell. With binary options you can only double your investment, but with forex trading you can make big gains, but also big losses. Financial events such as a sudden currency crash can occur, impacting your trading account balance.

Binary options and forex signals

Knowing what best to do when you first become a trader is virtually impossible unless you have undertaken a substantial amount of investigation into how financial markets work, and how successful traders make their millions. Four out of every five new traders will quit within their first month of trading as they find the trading market too daunting, or complicated.

For those prepared to stick at it, help is at hand in the form of two trading technologies: binary options and forex signals.

A signal, in this regard, is an indicator sent by an experienced trader or a computer algorithm that suggests you ought to ‘get in on’ a particular trade. Think of a signal provider as your own personal trading advisor.

Binary options signals are usually sent via SMS. This is because a trader will need to act upon a binary options trade quickly, before market conditions change. Binary options are dictated by tight time frames. Such signals are usually created via complex, market-watching algorithms.

Forex signals are typically sent via email. The timeframe is not so important, and there’s a lot more to consider before placing a trade. If you did come into a forex trade too late, you may only lose a little profit. Such signals are usually created by experienced traders rather than software.

You can follows signals manually, or by using what is known as an ‘Expert Assistant’, or EA. An EA is a piece of software that connects the signals to your broker account, meaning that the signals are conducted automatically.

There are paid signal providers and free signal providers. Of the two, paid services are frequently the more beneficial. Free signals are generally created via software.

A typical signals provider is Snipe TheTrade, reviewed here on Invezz. The firm offers both forex and binary options signals at a cost of $99 a month. There is a five day free trial period, so you can get a taste of the signals before you hand over any payments. Snipe The Trade’s signals have a confirmed win rate of over seventy percent, and their trading list is available for you to evaluate.

If you are new to trading, then signals are an excellent way to become accustomed to the mostly complex world of online trading in financial markets. You’ll gain experience and valuable insight, plus – hopefully – a significantly swollen trading account.

Protect Yourself When Your Insurance May Not

office_buildingWhen we make investments, we do so with the expectation that they’ll return a financial gain in the future. For instance, we expect that our home will both provide shelter and increase in value. While there are things you can do to increase your chances of this happening, there are also other circumstances that can unexpectedly arise that can cause you to lose substantially. From natural disasters to financial meltdowns and more, you can quickly find yourself picking up the pieces of your investments wondering where things went wrong.

While we can’t eliminate the unknown, there are things you can do to protect yourself when insurance may not, and it’s worth the time to invest in your own knowledge in order to minimize the impact of the hit these circumstances can administer. Here, we offer four ways in which you can do just that.

  1. Consider Automated Investing

The stock market can be difficult to predict, and there are so many different approaches you can take in the consideration of the best investment choices. That’s where automated investing can help. We have found numerous ways in which we can increase efficiency using technology, and it only makes sense that these many complicated formulas can be more easily considered using machines to do the hard work. With something like Wealthfront Review or some other similar tool, you can explore the many benefits of using this type of service before you make your next big stock market decision.

  1. Utilize the Competitive Nature of the Insurance Business

Because of the increase in connectedness the world has experienced, we now have quicker access to more of the products and services we need than ever before. You can use this to your advantage when you compare insurance quotes online. Armed with the power of negotiation with multiple quotes that are now so easy to obtain, you can receive the protection you need on your most valuable assets at a cost you can afford.

  1. Maintain and Improve

Your home is likely one of your largest investments, and it requires your attention to maintain. Unlike assets like cars, your home is capable of increasing in value over time, but it requires that you take the time to perform regular maintenance such as:

  • Having plumbing inspected at least every five years
  • Inspecting the home for termites every five years
  • Checking guttering system to reduce risk of flooding

You should also consider a remodeling job. It’s estimated that, by remodeling the kitchen alone, you can increase the overall value of the home by about $14,000.

  1. Don’t Forget Digital Assets

We have become increasingly reliant on technology, and it’s becoming more and more important to consider your digital assets and how quickly they could disappear. There are a number of unexpected things that can occur that would eliminate any trace of the valuable information that lies in your business or personal computer that would take years or even decades to replace including:

  • Computer viruses
  • Hardware failure
  • Software corruption
  • Hardware destruction
  • Theft

Considering this threat is still relatively new, it can be easy to overlook. In order to ensure you’re protected, take the time to backup all of your data. There are a number of free applications you can use to achieve this, or you could even backup a physical copy using flash drives or other hardware.

Protecting What’s Yours

You work hard for your money, and eventually you want your money to pay back by working hard for you through retirement. While we can’t eliminate the possibility for bad things to happen, we can prepare for them by making smart choices now in preparation for future potentials. By following these five wise tips, you can be on your way to significantly minimizing the impact unforeseen circumstances can have on the future of both you and the ones you love.

Tips To Save Energy At Home

houseMost energy suppliers offer advice for your home to use the least energy possible. To this end, they ask you some simple questions about your home, its layout, its overall efficiency, lighting, heating and hot water. This will allow you to take concrete measures to reduce CO2 emissions.

World energy consumption of households represents 29% of total final energy consumption.

Know how energy is distributed throughout your home

Half of the energy is swallowed up by heating. Here are some tips for optimal management:

During the day, set your thermostat to 19-21 ° C. At night, bring it down between 15 and 17 ° C. Set it in advance in order not to have to take care of it. Each degree of warming is an additional increase in consumption by 7%: about $25 more per year.

Do not turn off the heater, unless you are away for long. Rather, lower the thermostat to 15-17 ° C when you are not in. When you cut the heating, it takes a lot more energy to bring every room to the right temperature when you turn it back on.

Turn down your shutters and close your curtains at night to minimize heat loss.

Make sure that doors and windows close properly. If not, install systems for a better seal, such as rubber bands and foam.

In winter, only ventilate 10 minutes a day.

For the maintenance of your home, keep in mind that good insulation can achieve energy savings of 40%.

The most energy efficient chassis are those with double glazing.

The windows are also important: ideally opt for wood or PVC. You prefer metal? Then choose aluminum frames with thermal bridges.

Energy savings are an important current theme. Apply these tips and you will see a beautiful difference on your monthly energy bill!

Lighting at low prices

Lighting is really essential in our daily lives. But can we reduce our consumption? Yes and we tell you how. On average, we spend 9% of our total energy consumption for lighting in our house. And saving money at this level is easier than you think.

Lighting is not a question of quantity, but quality. Today, when we talk about lighting, we no longer speak of watts, lumen but the quantity of light emitted by a light bulb.

This means that if we replace a conventional incandescent bulb of 60 watts with an economic bulb of 11 watts, the amount of light is the same. With savings of up to 80% and a life up to 8 times longer!

You will get the best lighting with the lowest power by following these tips:

  • Replace your incandescent bulbs with energy saving light bulbs or LED lamps.
  • Whenever possible use natural light.
  • Paint the walls and ceilings in light colors.
  • Do not leave the lights on if you are not using them.
  • If possible, install dimmers.
  • Divide the lighting of several bright spots. It is not always necessary to turn all the bulbs on simultaneously.
  • Use neon lights in rooms where you leave the light on for several hours, like the kitchen.
  • Clean your bulbs for better lighting.

Making Sense of Car Insurance

What Kind of Car Insurance Do You Need?

insuranceRegardless of the vehicle you drive, you need car insurance. The level and type of insurance purchased should be designed to meet your individual needs. How much you pay for insurance will be determined by many factors including the age and type of your vehicle, your driving record, your age and place of residence, and how many miles you drive annually.

 

Liability Insurance

This type of insurance will cover damages and injuries of another person in the event you are responsible for an accident. The accident is the result of your actions, and you are responsible. This coverage will pay for costs associated with repairing property damage and any medical bills associated with injuries caused by the accident. The majority of states require drivers to have a predetermined amount of liability insurance. Insurance experts agree it is best for an individual to have more than their state’s required minimum amount of liability insurance. The reason is simple. If a person doesn’t have enough insurance to cover all the damages and medical bills after an accident, they may have to make up the difference out-of-pocket.

 

Uninsured/Underinsured Coverage

Most states require their drivers to have car insurance before operating a vehicle. Unfortunately, not all people follow these laws and may drive vehicles with low coverage or no car insurance at all. The majority of states do require drivers to have liability insurance. In many cases, the minimum amounts for liability insurance will not pay for all of the damage or medical bills that result from an accident. This means if someone is found legally responsible for an accident, the victims may not get any payment or the payments they do receive may not be enough to cover all of the damage and medical bills associated with the accident. When this happens, a victim who is either uninsured or underinsured will have their accident expenses covered.

 

Collision Coverage

This coverage is designed to pay expenses associated with repairing your vehicle after a collision. In a serious accident, the vehicle can be totaled. This means the costs associated with repairing the vehicle will be more than the estimated value of it. In this situation, collision coverage will pay the policyholder the value of the vehicle that was totaled. If a person drives an older car, it may not be worth having collision coverage on their vehicle. This will depend on the value of the vehicle. Should a person have an expensive vehicle that is fairly new, collision insurance coverage may be important. It is designed to repair a vehicle into the same condition it was prior to any damage from the accident. If a vehicle is purchased by a loan from a financial institution, collision coverage may be required as part of the loan agreement.

 

Comprehensive Coverage

Cars can be damaged by more than just accidents. A car may get significantly dented during a hailstorm, the driver may hit a deer, or the vehicle could get stolen. Collision, as well as liability coverage, were designed to cover a vehicle in case of an accident, but don’t account for other situations. In some states, this type of insurance is considered costly. When a vehicle has certain anti-theft devices as well as tracking devices and more, this could lower the amount of money required to have comprehensive coverage.

 

Personal Injury Protection Coverage (PIP)

The medical bills and damage costs associated with any accident can become excessive. When a person has PIP coverage, the medical bills of the driver and passengers will be paid no matter who is determined to be responsible for causing the accident. PIP coverage is not offered in all states.

 

Getting Car Insurance

Once a person has determined the type of insurance they want, as well as the level of protection, it is time to begin shopping. Go online or speak with a licensed insurance representative to obtain free insurance quotes.

Harald Seiz:  Gold and success — the two go together!

karatbarsHarald Seiz is the CEO and founder of Karatbars International. He lives and and works in Stuttgart and is able to travel the world to speak about being an independent adviser and entrepeneur. Seiz worked in the financial sector and was successful very early on; in the 1990s his company’s revenue reached over EUR 60 million. Since 2011 he has been the leader of Karatbars and has built the foundation from the ground up. The most important thing in his business philosophy is to “provide an effective means of securing financial freedom”.

As a senior executive, Seiz has been an independent investor working in the world of global finance for over thirty years. His focus is the expansion of his company on a domestic and global level, and to be assured that Karatbars International can be accessible to anyone and everyone. Originally involved with the insurance and real estate business world, Seiz has broadened his experience to coordinate Karatbars International and its scope to an even broader level. He feels very strongly that customers are the number one priority and he has a singular vision when it comes to assisting investors with advice about the market and where to find success.

Seiz has a razor-sharp focus; he is passionate about showing everyone a path to secure financial protection. The procurement of gold in small quantities with Karatbars International allows investors to have a tangible and solid investment rather than an obscure paper one. With the world’s finances all out of order and a new economic crisis at every turn, a method of money and payment that is constant and not affected by inflation or deflation is of the utmost importance. When investors can conserve their energy and focus on achieving personal goals then life can experienced on a higher level and personal financial security can be assured.

gold-bar-stackThe idea of gold’s importance has been constant for over 5000 years. In Greece, a tailor could sew a high-quality set of clothes for about an ounce of pure gold. Today, in 2016, a custom-fit, tailored suit will cost about an ounce of gold (of about $1300 approximately). Gold will usually hold its value and not fluctuate the same as other currencies. This is because there is a finite amount of gold in the world and as a fixed amount it is assured there is always a popular and very high demand.

Harald Seiz and Karatbars can help investors with financial security. Different than other investments, gold will always hold its value, always be secure and always be a precious commodity. Start investing today for financial security and peace of mind tomorrow.

(For more information please visit www.harald-seiz.de)

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