Buying Gold in a Self-Directed IRA: How to Take Control of Your Retirement Wealth With Gold

Economists, like Taoists, tend to believe in the interconnectivity of all things. This concept is never more true than when it comes to our global economy. As we’ve seen with the recent events in the Middle East and Ukraine, such things can have a direct effect on the economy at home and, even more importantly, on your investment portfolio. These events, together with a stock market riding at record highs, could bring a major correction in the market and soon. The challenge for the investor is to find a safety net that can protect their investments against such an inevitability.

Is there an investment that can provide that kind of protection?

There is: Gold.

The Best Time to Invest in Gold?

Actually, right now could be a great time for gold as many experts believe its price is undervalued. At present gold is experiencing interest in “safe haven” buying from investors who are concerned about losing value in a volatile stock market. When Wall Street finds itself becoming more risk averse, gold gets a boost. For this reason gold has been considered a reliable store of wealth and has for over five thousand years. Other recent events including the holding of interest rates by the Federal Reserve and seasonal demand have also had a positive effect on gold’s value. But even with these factors aside, gold has still proven itself to be one of the best performing commodities of 2014.

Aside from its recent valuations, the purchase of gold or silver in the form of coins is a surprisingly safe investment and one of the most tax efficient ways to finance a coin purchase is through a self-directed IRA.

The Value of Gold Over Paper

Owning gold with a self-directed IRA is not the same as owning mutual funds or ETFs. With a self-directed gold account, the investor can actually buy and hold physical gold inside their IRA. Owning physical metals such as gold or silver can be an important part of a well-diversified retirement portfolio.

A self-directed IRA enables the individual to invest in gold and much more on a tax-deferred or tax-free basis. This prospect is exciting for many investors because the investment involves a tangible and finite resource with real intrinsic value. Gold and silver are by far the most popular choices for Precious Metals IRAs. An IRA can purchase gold and silver coins such as American Eagles or Canadian Maple Leafs, some coins from Australia and Austria, or physical bullion in the shape of bars or rounds. (The South African Krugerrand is not permitted to be included in an IRA as it is a 22 karat bullion coin.) Only gold coins with a purity of 24 karat (0.995+ fineness) are allowed in an IRA, with the exception of the 22 karat US Gold Eagle. Any metals owned inside of a precious metals IRA must meet certain fineness requirements and must be produced by an approved and accredited refiner.

Bullion vs. Coins

One of the big differences between bars and coins is that when you sell coins typically you’ll get a few dollars over melt value, or market value. With bars on the other hand, depending on the bar type, you get a straight spot price or melt value on a buyback. Because of their additional numismatic value, coins are generally seen as the more profitable choice. In many instances, if you were looking to liquidate with large bars you’ll not be able to liquidate part of the bar, you will have to liquidate the entire bar at once. That’s why when it comes to liquidation it also makes sense to have coins in your possession instead of bars.

How to Get Started

This article was written to answer basic questions about investing in a self-directed IRA. To learn much more about investing in gold and silver and how you can grow and diversify your wealth even in the most uncertain and volatile of economic times, a special mini-course was developed. It’s entitled “The Essential Guide to Successful Gold and Silver Investing” and it’s available for FREE download. This valuable course is filled with tips and expert advice to help you make the decisions that could save you thousands of dollars.

US Real Estate Market Update 2010

U. S. Real Estate Buzz

This short overview of our current economic and real estate conditions is what I think, presented in a simplistic, broad-brush narrative of the affairs that lead us to where we are today with some realistic long term ideas to prosperity and solid economic recovery and growth.

History

First, we know every industry is like the tide each with it’s own ebbs and flows. To be certain the real estate market is experiencing these changes, so in many respects this is very normal. The real estate industries ebb and flow is generally 10 to 12 years. The last time we hit bottom was at or around 1995-1997. What’s not normal is how dramatic this occurrence really is. The ripple effect is clearly worldwide, which illustrates this is not just a real estate problem but a financial one also. We did have a disastrous real estate market in the mid to late 1970′s, which, resembles much of what we’re going through today but it was more of a national problem than worldwide.

Current

The current state of our economy is a direct result of several factors that have been building for many years. The main contributing factor in my estimation, which is usually the case, is government policies. What government does and or does not do effects all us in profound ways, such as raising taxes, creating regulations, and spending policies to name a few, and of course politics; in short this is social engineering. The courses of action our politicians adopt have a direct effect on how we live our lives, how we invest money and what we invest in. Investors invest in assets that will make them money or provide them the means to do so.

For the past 5 to 6 years, the real estate market had been flooded with new home buyers previously renters, along with many “step-up” home buyers. Financing was very easy to get for most people, many of who perhaps should have never had it so easy. With that, poor spending habits ensued throughout the general population, in other word’s we were acquiring large amounts of debt without the income to match. Many businesses such as the financial institutions also had their fair share of shady dealings. Additionally, Governments at all levels were doing the same thing. They’ve never seen this kind of money come in at such a fast pace and of course with policies put in place years before you get an economic condition, i.e. government spending, regulations, taxes & fees that couldn’t be absorbed anymore by the general population, corporations and the financial institutions. A very serious unstable market had been created.

Finally, if all the previous spending wasn’t enough, the government went on a monumental spending binged over the past 10 months dragging the economy further down. Now you may ask why is this so important? It’s because everything the government does, as I have said, has a profound effect on each and every one of us. Why? Investors and investments! It’s no accident that we have the most dynamic and advanced economy in the world. The United States embraced an open market place long ago where investors, influential people, empire builders and entrepreneurs alike have the freedom to invest their money, products and ideas into our system. No other place in the world can you do this quite the same way.
The problem is over the past 20 or so years corporate regulation and tax burdens are out of control, Influence on public employees to do favors has never been so far-reaching and nearly 50 % of the population doesn’t pay income taxes. The country has been changing in ways, which leads the Movers & Shakers to rethinking their investment strategies. Earning money has some how now become a bad thing politically. Be clear making money is a good thing and should never be frowned upon. Not withstanding unethical and illegal activities.

The Investor class of people are very astute, and rests assure they are watching everything going on, and until they see clear skies ahead they will either remain on the sideline or invest elsewhere. Several things in the near term need to happen before we can see clear skies.

Solutions

The financial markets need to finish cleaning-up their books with their bad debts, which will lead to improved lending.
Taxes in all forms including “pass-through taxes” such as the new Cap & Trade energy tax cannot go up and or be implemented as they are scheduled too. Congress must keep this from happening.
Congress must repeal the planned stimulus-spending bill, which will go into high gear just after the 2010 elections.
Commercial real estate, nationwide, is headed for huge loan defaults unless something allows the property owners a way to refinance without adding cash equity into the asset we will see more than 700 Billion dollars of loan defaults; this will be ugly.
Interest rates must remain low and balanced with possible inflation and deflation conditions.
Once the above happens and or moves in that direction businesses can once again begin their empire building, which leads to growth, which will spark employment, which will allow mom & pop investments to occur. Remember 80% of jobs are from small businesses. The employment market must be stabilized! Then the residential housing market can go into a full recovery swing that will promote a more stable economy. We believe residential real estate will lead commercial real estate out of this recession. Additionally, Multifamily will lead the way in the commercial market.
Long term, we need to be concerned with public policy and the spending that comes with it. It is my opinion; we should embrace and employ a whole new breed of Entrepreneurship along with a core focus on Research & Development in all of our industries. This type of R&D spending will help ensure future growth of our economy. In order to have a strong real estate marketplace we need a strong economy. In order to have a strong economy we need good public representatives.
The people of this great country need to understand, we will be better served to plan the future many, many years ahead of time should we plan to continue to lead the way for the rest. We have a great economic system and therefore the promotion of such a system should be pursued.

Bright Side

Loan defaults will spark a lot of buying with new money.
By 2010-11 we should be on our way to recovery and out of this mess by 2013 as long as government policies improve.
Interest rates should remain low for a little while.
Our country has always bounced back each time we’ve gone through recessionary periods.

Affiliate Success – Three Ultimate Internet Marketing Tips

Although many of the well-known methods of making money on the internet can be quite complex, when it comes to affiliate marketing, the process of setting up a business and earning money is something almost anyone is capable of doing. This is why joining an affiliate program is a productive way to learn the ins and outs of earning an income online. In order to be successful, Affiliates need to take the three tips below into consideration when they are setting up their enterprise. Getting the ball rolling is not difficult, as long as long as you learn from others, study marketing techniques and maintain your direction.

Seek guidance
As mentioned, the Internet is an inherently overwhelming place and even the most intelligent of individuals struggle during the early stages of setting up an Affiliate Marketing business. With the availability of specialized training and experienced mentors, there is no reason for an Affiliate to navigate these tricky waters alone. Training will teach you the most effective ways to make the most of your time, while a mentor is perfect for providing a sounding board and lending emotional support. For some people, intensive training coupled with having a mentor has proven lucrative.

Grasp effective marketing techniques
It is very important for Affiliate Marketers to not only learn the pros and cons of various marketing methods; they must also understand how to implement profitable promotional campaigns. Pay-per-click advertising is a tool utilized by many Marketers, but there is a learning curve with respect to this application. Those who fully understand pay-per-click programs are poised to make a lot of money with a business that virtually runs itself.

Take pride in your direction
To become a successful Affiliate Marketer, you must really become committed to your business. This means making efficient use of your time while always trying to stay one step ahead of the competition. Those who are proud of their efforts will tend to do a better job of maintaining their direction. If it is obvious to others – in real life or on the Internet – that you are serious about what you do, wealth will inevitably follow.