Why You Need Gold and Other Precious Metals in Your Retirement Portfolio

Precious metals like gold have been recognized as a store of wealth for so many years. There is a limit to the number of precious metals produced in a year, and their scarcity causes them to increase in value. The major

Regal Assets Banner

precious metals are gold, silver, and platinum. Precious metals always have intrinsic value because they are tangible and are not controlled by governments or financial institutions. Precious metals like gold have outstanding advantages and are beneficial for many investors.

Benefits of adding gold and other precious metals to your portfolio


Diversification of your assets is very essential. Most people hold paper assets that are prone to fluctuations after every crisis. To diversify your collection, you can invest in precious metals to avoid the risk of loss after investing in only one kind of investment.


Gold and other precious metals protect your wealth from political and economic uncertainty, such as a stock market crash. Precious metals are an excellent way to prevent you from losing to inflation.

Security and privacy

After you make a cash purchase of gold or any other precious metals, the ownership is private. Your portfolio does not have to be accounted for by financial institutions and the government. Gold is not subject to forces like inflation and market crash, thus adding security to your wealth.


Precious metals are the most liquid assets to have as an investment. Gold bullion, for example, is valued by their weight and metal content. These metals have are not influenced by myriad factors that affect investment types.

Increasing demand

The demand for gold rises every day and everywhere. There are so many industries that use gold and other precious metals to manufacture jewelry. Besides, many countries through central banks have managed to purchase about 459 tons each year.

Over recent years, there are so many cases where stock markets have fallen, but precious metals have remained as a haven for stability and security. As long as you know why you are including gold and other precious metals in your IRA or, it won’t take you long before you achieve your long-term financial goals. For first time precious metals investors a gold IRA comparison with reviews of different gold IRA providers is a good place to start.

When You Find Yourself in a Financial Crunch – Let Payday Loans Help

I got a call from a friend the other day. He was needing some quick cash. I couldn’t believe the number of things that had happened to him in just one month! Not to bore you with the details, but he was flat broke and had too many days to go before his next paycheck deposited in his checking account. I had expenses of my own to meet and couldn’t help him financially, but I invited him over to give him some moral support. We talked for a while and I don’t remember which one of us came up with the idea, but we went online to check out cash advance lenders like US Fast Cash, United Cash Loans and One Click Cash. Together we sorted through several websites and finally settled on an online cash advance lender that worked out for him. He got his cash fast and was so relieved we thought we should pass on some of the things we learned so others could save time and maybe even some money in the process.

When you get on a cash advance lenders web site like Ameriloan, you might want to spend some time looking for a few things. Here were some things we found really helpful.

What to Look for in a Payday Loan Company

Look to see if the company belongs to any voluntary associations that have guidelines for conducting business in a fair and professional manner. We saw two icons that showed up on some websites. One was The Community Financial Services Association (The CFSA) which is a membership organization established to set standards, especially for the cash advance industry. Member companies pay dues and agree to the organization’s Best Practice Guidelines with responsibilities that include truthful advertising and a willingness to encourage customers to act responsibly.

Another important icon to look for is the Better Business Bureau Online Reliability Program. (BBBOnLine) The Better Business Bureau itself has been in existence for 100 years. The Online Responsibility Program is another part of the BBB. Before becoming a member, an online business must agree to adhere to a strict policy governing customer interaction and satisfaction. Both of these organizations offer more details on their own websites, which we found reassuring as well as informative.

Payday Loans Customer Service Programs

Once we chose a lender like 500 Fast Cash and began filling out the application, we had questions. That’s when we found out how important good customer service access is. The website we were on had a toll free number listed to call during normal business hours, but since by then it was late, that didn’t help us much. Then we spotted the “Live Chat” link and pressed that. We got answers to our questions quickly from a qualified agent in customer service. We found out how the process worked and put the repayment procedure in place, and submitted the application for approval. That agent also told us about their Customer Rewards Program, discounts and referral incentives my friend might qualify for.

This was my first contact with the online cash advance industry. I will keep it in mind if I ever find myself, like my friend, in need of quick cash.

Planning for Retirement – Security for the Future

One of the most common methods of planning for retirement is with the help of a financial adviser or financial planner. They help clients in creating and developing retirement plans and may be charged with a certain fee or on a case to case basis. For others who are uncertain about seeking professional assistance or help, they prefer to do the planning themselves. There are many retirement websites that have tools to help you plan your retirement accordingly. These web tools are referred to as online retirement calculators, decision support systems, or mathematical models. Online retirement planning can help create your financial plans with the necessary data needed such as your income and your retirement date or year.

Knowing how to save for retirement is another crucial factor. This means setting aside a certain amount of money from your income to your future investment. Other factors to include are your plans of action, such as where you will be staying for your retirement. Some individuals prefer to move to a city or town which is different from where they are currently residing, where the cost of living is less expensive. To others, a change of environment is good. Planning your kind of lifestyle is also important. One should think of whether to travel more, or to engage in a small business.

There are many retirement investment strategies that can guide and help you in planning for retirement. One of the most important things to know is to start early in saving for your retirement. Starting to save as much as you can at the earliest time will prove to be rewarding in the future. Because your money has more time to grow, the amount of profit that you will accumulate will certainly be noticeable. Also, it is very crucial that you set your goals based on your needs, and not with what you just want.

Determining how you want to live in your retirement will help you calculate the costs and how much you need to save to meet those needs. This is where investing your money in a 401(k) plan is essential or convert it into an IRA. With this, you will get tax deductions and your savings will surely grow. Most companies also contribute to the same amount as your retirement benefits. If one is capable, it is always helpful to work part-time in your retirement. Not only does it keep you socially engaged, but it also reduces the amount of money you will withdraw annually from your retirement fund.

Who Uses A Payday Loan Lender

Who borrows from a payday loan lender? Each year there about 12 million people who go looking for short-term loans to help out with monthly costs. Most often, these borrowers will not have their loan out for just a few short weeks as planned, but over a course of a few months. Borrowers who are using these loans for ordinary purposes are finding that they are not as cost-effective when stretched out over a period of time. The average payday user will take out about eight loans per year and spend an exuberant amount on interest while paying them back. Some experts call it a payday loan cycle trap when it sometimes is one more way for individuals to live beyond their means. It seems a bit harsh to view it this way, but irresponsible borrowers are not always great at budgeting.

Applying for a payday loan online or at a storefront without cutting back on budgeted expenses is not the best scenario for these loans. Individuals need to take the time to create a new budget when the old one does not work efficiently. If there are too many unexpected bills getting in the way each month, then there need to be some cutbacks. A credit counselor can teach someone how to set up and evaluate a budget. Categorizing your costs and prioritizing the lists will help keep targeted costs paid, and unnecessary expenses out.

It isn’t just about income. There are many characteristics of who uses a payday loan lender to help with costs. Would you believe that the largest groups of people who borrow loans are white women between the age of 25 – 44.

Lifestyle and money management do play a big role in how often these loans are used. A person who makes $20,000 can be just as poor at the end of a month as a person who makes $200,000 when living beyond their means is practiced each month.

There are more people who do apply at storefront locations than online. Online payday loan lender applications are increasing as the convenience factor for online banking catches on. Online lenders are catching on to no fax loans for some applicants who do their banking with participating financial institutions.

Credit counselors are being pushed as solutions to American financial matters. Some credit card companies will not work with individuals anymore, but refer you to a counseling agency. People need to be cautious of agencies that are run by the creditors. There are for-profit and non-profit agencies that can help, but you will want to make sure their counselors are trained and employed by an agency that is not affiliated with your creditor.

In order for any type of loan to be a success, the borrower will want to understand all terms and policies before signing the contract. Borrowers who apply for payday loans are looking for relief. This fast cash will provide relief for those who can pay the loan back in time. Short-term loans will provide more financial trouble for those who cannot afford the payoff in just a few short weeks.

10 Best Stocks to Own in 2020

One should always do their own research when investing their money, and should also never invest more money than they can afford to lose. That being said, here are what we think are the 10 best stocks to own in 2020.


This is an expensive one but if you can afford it it’s a good choice. Whatever the fluctuations in the market over the next year or so are. Game changing companies like amazon look like they are here to stay. They are increasing their lines of business to a point where they now offer grocery shopping and people actually seem to be starting to use this service in addition to all their others. Also worth noting for those that don’t know, amazon’s shopping and delivery platform is only a small part of their business, hosting web servers for millions of companies around the world is a huge part of their business.


Essentially the Chinese answer to Amazon, and a lot less expensive. This data powerhouse seems to be in it for the long run in the Asia market too.


The parent company of google, and another very expensive one. Alphabet is the owner of many companies making great advancements in tech. This is probably not one for a quick profit but instead look to hold for long term growth. However the tech industry might be sensitive to changes in the rare earth market.


Much like Alibaba is China’s answer to Amazon, Baidu is China’s answer to google. And much like google it is developing some fantastic new technologies. Slightly more volatile than the first 3 stocks we’ve mentioned, it might be worth buying a bit and seeing where it goes. Probably not one for the investment fund though, potentially quite risky.


The development and rollout of 4G technology brought with it not only faster usage speeds but also opened doors to technologies that we hadn’t even thought of at the time. The widespread rollout of 5G is not expected to be any different and as one of the main network providers issuing 5G in the states, this could be one to watch in the next year or so.


Tv has firmly gone online and it looks like it will stay there. Terrestrial TV is not as convenient and generations that didn’t grow up with it as the main source of entertainment simply won’t use it en mass. Netflix and amazon hold the market share at the moment and with increasing quality films and shows, it’s not likely they;re going anywhere anytime soon.


This aerospace and defence company has shown steady growth over the last few years


The hype around legal cannabis in Canada seems to have died down a bit over the last year of so. The future of it is uncertain but at very low prices this could be one you pick up somewhat speculatively and see what happens. Again not one for the retirement fund! Very volatile.


Steady growth and cultural and market share of so many products. Apple is likely to be here for the long run. Another expensive one though!


It’s always good to have a diversified portfolio and established consultancy companies have shown steady growth and will always be needed in the business world.

Please note that none of this constitutes financial advice, they are just our suggestions. Be safe and sensible and hopefully let your money grow!