Buying Precious Metals for Investment

Buying precious metal is turning into a trend as of late. Investing in precious metals is a very delicate decision that does have some risk as you may never know when there will be fluctuations in the prices. It is also one of the smartest. It is the same with all kind of investments you make but it's less difficult with metals as you can see the factors that may cause any change and you can make your investing propositions accordingly. Gold price depends upon on the performance of the US Dollar and the Euro. This makes people feel secure to invest in gold. Metals are one of the best ways to safeguard your investments. The price of metals shoots up if the market is hit by any type of crisis. Natural crisis such as a tsunami or an earthquake can be a cause which leads to increase in the prices of metals.   Buying precious metal is a much better idea today than tomorrow. The price of gold is more expensive today than it was last month. Owning gold and silver today is a more practical idea as you are paying a better price today for the precious metal. The crumbling stock market has made many citizens concerned about investing their hard earned money. Citizens consider cash to be more unreliable and it is currently being devalued by each passing day. Therefore it is encouraged to invest in hard assets like gold and silver, as it is the best possible way to protect one's savings.   The rising prices of gold have led the people to opt for different options to choose from when it comes to buying precious metal. Investors are taking new interest in the metal silver. There are many things such as supply and demand and market responses around the globe which have an effect on the spot price of silver. As the traders and investors make changes in their shares it affects the spot price of silver. Due to the increase in the mining of silver and dwindling supply, market and financial analysts are becoming more interested in the prices of silver. The investors presume that silver will outplace other financial commodities.   If you are looking for making your own investments then buying precious metal gives you with exciting opportunities to keep you in charge of your own finances. With so many alternatives in the investment market it may be difficult for you to choose the right option to secure your finances. You might want to have a detail study about the market position before you make your investments.   You can go about this all on your own but your best option is to contact someone who can get you started off in your venture with the applicable software, tools and know-how. There are many of these types of businesses out there and EZ Gold Exchange is one of them. They are dependable and have been around for a long time. They are preferred for getting businesses off to a great start in their buying precious metal endeavor. They are also refiners so that is another step that you will ultimately have to take but you won't have to waste the time looking for a good one.

Gold Rises As Greek Bond Deal Looks Likely

Yesterday, gold managed to break its $200-moving day average and is now trading back above $1,700, just, 3 days of continual loses. Gold prices fell below $1,700 on Monday after official data released from China at the annual meeting of the National People's Congress. China's economic growth target has been revised down to 7.5% and this is the first time since 2005 that China is expecting to see growth fall below 8%. This announcement had a heavy impact on the markets and gold prices slipped, as the prospect of a modest slowing in GDP growth could also have negative ramifications for China's appetite for gold jewellery.

In order for Greece to avoid default, investors must agree to incur a loss of up to 75% on their bonds; these private investors include banks, hedge funds and financial institutions. Investors may be forced by the Greek Government to accept these losses regardless in order to avoid a default. However, holding onto these bonds may also prove unwise; the situation is far from resolved and future losses are like to be bigger. Considering the price of gold two years ago was around $1,100 would you rather be holding sovereign debt right now or gold?

Yesterday, a group of 30 banks and funds representing nearly 40% of Greece's EUR206bn of outstanding debt announced they would take part in a Greek debt deal, and this news raised the likelihood that Greece's bond swap would go through and supported equities and the EUR, according to Reuters. This news and oil prices helped support gold prices.

Gold was further supported by a Wall Street Journal report that Federal Reserve officials are considering a new type of bond-buying program designed to subdue inflation worries. Even the mention of such a programme is bullish for gold.

Chinese demand also appears to be recovering, however any further negative news regarding Greece and the European Sovereign Debt is likely to be bearish for gold and declines would follow. Any declines in the gold price present a good opportunity to invest in gold.

It also seems that rising oil prices are becoming a main source of investor anxiety. Oil and gold prices tend to move together, which means any increase in oil prices lends support to gold.

"Although the macro environment is still very gold-supportive, in the nearer term it's going to be the physical market and whether that enables prices to consolidate enough so that investment demand can retake the reins," Barclays Capital analyst Suki Cooper said.

Data released from the FED showed that US Companies increased their hiring in February, supporting hopes that the US Labour market has moved into a higher gear. Investors will be anxious to hear the U.S non-farmers payroll data, due to be released tomorrow; poor data could lead to further expectations of quantitative easing in the US, which would be bullish for gold.

Podcasting Your Way to Internet Marketing Success!

These days, almost every Internet marketing professional uses a blog as their main base of Internet operations, for the ease of updating their information, an interactive way to keep in touch with their audience and to increase their branding worldwide. Done right, blogs are also a powerful targeted traffic magnet that can bring in prospects then funnel them to the desired product, service or affiliate link.

What many are missing, though, is the added targeted traffic draw of podcasting on their blogs. A podcast is simply an audio version of some information, usually an article or blog post. This additional format is an important accessibility aid as well, for people with poor eyesight and for those who speak the language but aren't cognizant with it in written form.

Preparing a podcast is simple - just read your post into your microphone or headset and record it. For the optimal ratio of file size to quality, try recording it at 44.1 Khz in 16-bit mono and saving it as an MP3. Those suggested settings are somewhat arbitrary though, so if you're not familiar with the technology just record your post or article at your computer's default settings.

For use with a WordPress blog, look through the various podcasting plug-ins in that section of their site. One important concern is whether the plug-in creates a separate RSS feed for your podcasts - if it doesn't, you'll want to set one up manually. If you're setting up the podcast RSS feed yourself, there's a great tutorial for it on the iTunes website - look for the 'Submit Your Feed' link.

And that's the other purpose to using podcasts - listing your RSS feed in directories like iTunes, PodcastAlley and PodcastReady will expose your work - and your site link - to a much wider audience. Millions of people use these directories to download MP3's to their players, their phones and their computers each day, and you want to tap into that upscale market right from the start.

As a side bonus, the plugins will usually also add a player to your blog post itself, giving your visitors the choice of reading the post or listening to it. For those who choose to listen to it, hearing the words in your voice, with your inflection, will help them connect to you as a person, as opposed to an author on yet another Internet marketing blog.

However, it's important to remember it doesn't NEED to be your voice - you can just as easily outsource the reading of your articles to a professional 'voice' - voiceover talent that specialize in that well-known radio type of broadcast voice. Numerous sites offer this service, so a search for 'voiceover talent' should get you started in the right direction.

Overall though, the benefits derived from greater accessibility and the greater potential targeted traffic you can appeal to make podcasting a well-worthwhile addition to your Internet marketing arsenal. Start adding podcasts to your blog today!

Podcast - How Did it All Begin?   Podcasting - A Look at What it is and How it Started   Podcasts As Internet Marketing Tools - Is Audio Or Video Better?   How to Make a Podcast For a Website   6 Tips to Eliminate Background Noise in Your Podcast   

How Podcasting Can Help Your Online Business

If you follow the blogging and social web worlds, you've probably heard the term "podcasting." Podcasting is simply the creation of audio files that are designed for easy distribution over the Internet, generally using the popular MP3 format. Thousands of people are creating podcasts now and their creations are widely distributed across the net, so it's definitely a hot trend - but don't worry about the sizzle outweighing the steak, because podcasting adds real value for almost any business.

Many business podcasts use the format of a radio talk show, with a host (often the site owner or business manager) interviewing guests who have something informative or interesting to say on the topic of the podcast. Other podcasts follow a lecture format, or take an infomercial-type approach. In general, before starting a podcast you should consider who your target audience is, and what you want them to take away from the podcast. Then you can choose a format best suited to distributing that information.

So why podcast? The first and simplest reason is that podcasts bring in audiences. People love podcasts, and they search the podcast directories and iTunes daily for new podcasts to listen to. You can bring in dozens or even hundreds of new visitors to your online site just by having a podcast out there.

Second, you can use your podcast to directly promote your products or affiliate links. Not many people are interested in downloading a commercial, but if you are providing valuable information and mentioning how your products or your affiliate's products are relevant to the topic of the podcast, you will be advertising your material without a heavy sales pitch.

Third, podcasts can help you develop relationships with your customers. Hearing someone's voice adds another layer of perception to their experience of you, which may currently be limited to the written text and visual imagery on your site. Adding your voice adds credibility and believability to all your messaging, not just what's directly on the podcast. Podcasting on informational topics will cause people to view you as an expert on your topic, particularly if you are providing valuable information in your podcasts,

Finally, podcasting can be a direct revenue stream for your business. If you start to develop an audience for your podcasts, you can accept advertising and/or sponsorship for them. Again, you want to avoid turning your podcast into a purely commercial endeavor, but dedicated listeners don't mind hearing some sales talk or advertising if they are getting something of value in return.

Getting started with podcasting is straightforward. You can do it for free with a variety of free tools out there, but the simplest way is to sign up with Audio Acrobat. AA has a modest monthly fee, but they take care of all the details for you. You can record audio files at your computer with a simple microphone or using a call-in line with your telephone, and the resulting podcasts are easily streamable. You can post your podcasts to your sites as well as to the podcast directories.

Podcasting is an inexpensive and easy way to open a direct line of communication to your customers and community. It might not be right for every business, but the odds are very good that it is right for yours. Give it a try!

Podcast - How Did it All Begin?   Podcasting - A Look at What it is and How it Started   Podcasts As Internet Marketing Tools - Is Audio Or Video Better?   Adding Great Audio to Your Website   What is Podcasting For Business Marketing?   

Choosing Pond Plants

A pond without plants is like cake without icing. Pond plants fight algae, give fish a hiding place against predators, and beautify our own little slice of paradise to plunk down in at the end of a tiring day.

Don't smother your pond with plants, however. Start with half the surface area, and don't let them cover more than two-thirds to three-quarters at their growing peak. Overcrowding stresses them out, and hey - it just looks bad!

Don't let the terms "hardy" and "tropical" throw you when choosing plants for your pond. Just remember that these terms refer to the environment in which the plant has originally been adapted - and not to whether it can be thrown across the room or how well it looks in a fancy mixed drink.

Hardy pond plants, as a rule, can handle cold temperatures and frost. Of course, this is relative to your USDA agricultural zone, found here: http://www.usna.usda.gov/Hardzone/ushzmap.html.

Ask your plant professional or check the plant's label before taking home that plant that does great in Hawaii, but not so great in Maine.

Tropicals, on the other hand, pretty much hold true to what they're called: They will take a nosedive if temperatures get much below 70 degrees, turning into a messy mush if it freezes.

But, ah, Grasshopper, there are ways to save even those hardy plants that aren't quite up to a northern blizzard, as well as those tender-toed tropicals with which you've fallen madly in love.

Bury hardy pond plants, pot and all, into a south-facing part of your yard and cover with a thick, warm blanket of mulch. Or put them into a garage or basement, making sure they're kept wet and have good air circulation.

Tropicals, on the other hand, need light and moisture year 'round. If you don't have a greenhouse, place tropicals in your sunniest window and keep misted, several times a day if possible, to provide the humidity they crave in order to flourish. "Grow lights" do a fabulous fake of the sun, however, and many tropical pond plants thrive under them.

Marginal pond plants - those that grow around the edges, or margins, of a pond - can be either hardy or tropical. Some hardy marginals are cattail, plantain, and rush. Tropical marginals include taro, spider lily, and water hibiscus. Of course there are legions more to lust after in both hardy and tropical marginals. Place marginals with their pot tops one to six inches under water. Very tall plants, like cattail, can be moved as deep as a foot beneath the surface one they've gotten full-sized.

Water lilies, however, like their water deep - between 18 and 30 inches - after starting the season in the 6"-12" shallower end. This gives them a nice, springtime shot of sunshine to get going again. And when the plant pro recommends those funny-looking pots with all the little holes in them, go for it. Pond plants poke their toes (roots) through them to develop tiny, nutrient-extracting feeder roots. Meshing with one another, these roots provide stability and protection against wind, kids, pets, and adults that have a tendency to stumble into them.

Fertilize pond plants when they need them. "Ha!" you say. "And when is that?" Well, go back to your plant pro, the Internet, or the plant label you so wisely saved. Each plant may have different requirements, but one rule of thumb: Plants need much more fertilizer in warm-weather months than when it's cool outside.

So go have fun with your pond and your plants!

Summer Pond Tips   Choosing Pond Plants   

Summer Pond Tips

Low Oxygen levels Kill Fish

Use an oxygen tester and air stones to keep your available

oxygen level to at least 7.0 parts per million of dissolved

oxygen in 90 degree F. water. Koi and goldfish start showing

signs of stress at oxygen levels of 4.0 ppm and will start

dying at 3.0 ppm. The higher the water temperature goes the

less oxygen that's available. Water temperatures over 90

degrees will also affect fish health so keep the temperature

under control by providing shade during the hottest parts of

the day.

It's Parasite Season

Warm water causes an increase in parasites such as anchor

worms, fish lice or flukes. Some parasites such as anchor worm

and fish lice are visible and can be treated with Dylox,

Dipterex or Masoten.

Invisible parasites such as external protozoa and flukes can

not be seen but they usually cause symptoms including extra

thick mucus, constant scratching by rubbing against objects,

flashing, or jumping. Some variations will cause a noticeable

head shaking and yawning. COntact your pond specialist for

treatments because different symptoms are indicative of

different infections. Follow label instructions at all times

or you could cause serious injury or death to your fish.

Summer Koi Feeding Tips

If you water is between 70 to 85 F. then feed a low protein

food in a quantity that is equal to 1.0% to 1.5% of total koi

body weight in pond. Estimate total koi body weight in pond

and feed recommended % of food daily based on season and water

temperature divided into intervals of about 2-2-1/2 hours.

Takes koi about 2- 2-1/2 to digest food in warmer water and

4-8 hrs in colder water when feeding is begun. So in warmer

ideal water temperatures feed 5-8 times daily the individual

portions totaling daily amount needed. In cooler temperatures

feed 1-3 times daily.

Sunblock for your Koi

Koi are not immune from sunburn, especially in shallow ponds

that get direct sunlight. Provide shade such as water lilies

or a rock overhang. Even a beach umbrella will do in a pinch.

Watch for Evaporation

Depending upon the surface area of your pond, you can lose

several inches per day to evaporation. Monitor and adjust your

water levels daily or as necessary. Remember, do not use

water with chlorine in it if you have fish!

Five Quick Tips For Healthy Summertime Water

1. Ensure that you have good mechanical and biological

filtration and that your pump will turn the pond water over

totally at least twice per day.

2. Operate the pump 24 hours a day.

3. Provide adequate shade by having 60 to 70% of the pond's

surface area covered with floating plants or other types of

shade.

4. Add water clarifiers and bottled bacteria if your water

remains cloudy even when good filtration is present.

5. Test oxygen levels daily and add air stones if levels fall

below 7 PPM.

Summer Pond Tips   Choosing Pond Plants   

Advertising That Works With A Content Writing Company

If you have a website and you think that is all you need to get more business, you should consider a few things. There are so many other people out there that have similar websites that yours may get lost in the mix. You need a way for your site to get more exposure than anyone else's, meaning more business in the end. You can get the attention you deserve once you hire a content writing company. Here are a few ways they can help you.

You probably realize that there are certain websites that will come up when you search for something. What you may not realize is that those sites that come up are for a reason. They have probably hired some help getting the results they have. They have probably realized that by hiring a company to write articles for them they are getting what they want out of the internet. These articles that are mentioned are a great way for any person or business to get seen. You have a content writing company write articles for you about your business. These articles will contain a specific word that relates to what you sell or the service you have. Once someone searches for the specific word you placed your website will be the one that comes up. This is called search engine optimization.

You can attempt to write these articles yourself, but there are things that the search engines want you to do in order for you to get placed on their websites. The company you use will understand all of the things that can get you in trouble and with no more business than what you started with. They will know that the keyword you use will need to be very relevant to what you are selling in order for you to get the best results. They will also know that the location you do your services in or sell your products should be included in the keyword. If you use the location you will get more specific results in the end. Once someone searches for a location then you will be found much easier. The content writing company will also know that they can't overuse the word because they won't be able to be used if they do that.

There are times when you can do things for yourself, but there are others when you need to let more knowledgeable people do it for you. You don't have to figure out all of the different rules that can go into advertising once you hire the professionals.

Entertaining Marketing Flyers And Their Benefits   What Does Google Want? Here's How to Get "In" With Google   Make Typos No More With Good Copywriting   Website Marketing - The Basics of Branding   My Bipolar Website   Article Writing: The Most Effective Internet Marketing Tool   

5 Reasons to Rent A Website

With the internet becoming such a popular place, businesses are forced to develop a solid internet marketing strategy. With the economy where it is today, sometimes a large budget is not an option so turning to more intuitive methods are needed. Many businesses today are turning toward renting or leasing a website. There are many great benefits of renting a websites, here are five of the top reasons companies are having such success:

1.) It is an affordable alternative to developing their own. If you have an old website or need to create one, talking with a web developer can be scary once the cost is brought up. For a website redesign, a facelift if you will, you can spend anywhere from $900 - $3,500 depending on how many pages you have. For a new web development project you can spend anywhere from $1,500 - 10,000 depending on content, programs, number of pages, etc.

2.) You wont have to worry about a website you rent going out of style or getting old. For most website rental programs you have the ability to change the appearance of your site ever so often. With your own website, you will need to pay someone to give it a new look.

3.) Short term option is always a plus. Lets say you are a start up business and need a website from the beginning. You don't have the funds to develop your own website plus you don't know how long the new company will be around. With renting a website it allows you to have a quick, short term option while your company grows. Having a short term website option is always a good thing in the internet world. It gets you in the game without committing a ton of overhead.

4.) Allows you to test your business online. Many people these days have great ideas for a new business or internet property. What better way to test the idea out on a rented website. You will have an affordable test market to see if your idea is actually going to succeed or not. You also will be able to take ideas that worked and did not work into your new web development project. Don't waste a lot of money on you theory, actually test the idea out first.

5.) Renting a website allows you to focus on your business. Instead of spending all of your time coming up with color schemes, working with a development team or even trying to figure web development out yourself just pick from a handful of designs already created. No more searching for a developer that understands what you want out of a website, take a few minutes and find the right one.

Entertaining Marketing Flyers And Their Benefits   What Does Google Want? Here's How to Get "In" With Google   Make Typos No More With Good Copywriting   Website Marketing - The Basics of Branding   

A Review on Internet Banner Advertising

Internet banner advertising is a unique form of promotion of the business over the Internet. Through the use of an online promotion a marketer can draw attention of potential traffic towards the website of a company. Visiting of large amount of traffic to the web pages of a company boosts the popularity and encourages the presence of an organization over the Internet. Attractive and impressive designing of an online banner leads to the brand promotion of the product or service of an enterprise. Marketers bring home the message of their companies through exquisite creation of an online promotion.

There are many banner maker tools or computer programs in the market that enable a user to design an online promotion in the most attractive and impressive manner. You can select different shades, patterns, designs, layouts, lines and alignments for creating a visually appealing online promotion. There are some tools that equip a user with an ability to customize the visual elements in the most impressive manner possible. One can easily and smoothly prepare online banner promotions and can even personalize the visual elements. You can personalize the shape and size of an online advertisement according to your preference. A person can also use these tools or computer programs to create the text with special visual effects.

There are many other advanced and latest technology based computer programs that enable a user for applying visual effects such as gradient, bevel, shadow and emboss to the visual elements. The main aim is to make the presentation of online marketing attractive and impressive. There are different sizes of online promotion for making an impressive advertisement. One can easily prepare a user to enhance the quality of an online promotion for alluring vast amount of target audiences. A person should also verify that all the links are working so that a visitor can easily visit the correct web page. In this way, you can design an online promotion so that it appeals the potential customers in an attractive manner.

Using Banner Advertising to Get Traffic in a New Market - What to Do If You Can't Get Visitors   Car Buying Made Easy Through Online Auctions   Getting Banner Advertising Traffic in Niche Markets - How to Get Sites to Run Your Ads For Free   Monetize Your Site With Direct Advertising   Quick Cash Concept Review - Find Out The Truth About This System   

Getting Banner Traffic in Niche Markets - Why You Should Always Avoid These Types of Sites

One of the biggest mistakes people make when they are trying to get more visitors to their site in the market that they are working in is the fact that they run their ads on the wrong sites and end up wasting a massive amount of money. In this article I want to show you the exact types of sites that you need to make sure you avoid running your ads on so you can avoid losing money in the market that you are working in.

The Types Of Sites You Need To Avoid Using...

When most people start out with banner advertising one the biggest problems that they have is the fact that they get caught trying to run their ads on sites in their market that get massive amounts of visitors but have no advertisers on them.

Not only that, the site owners are usually trying to sell advertising space for really cheap as well! The problem with using these types of sites is the fact that if you focus on getting your ads from them, you are going to end up wasting a lot of time and money.

The reason is that if you can't see other people advertising on them, that probably means they are not very good sites and the visitors that they are attracting are not buying things.

If the site was so good, they would be getting other advertisers to buy ad spots and run their ads! So make sure you realize that you need to stay away from these types of sites when you are starting out in the market that you are working in or you are going to waste a lot of money getting visitors to your site who will never buy what you are selling.

What You Need To Instead...

First - You have to make sure you only run your ads on sites that have been tested by other sites in the market that you are working in.

If you do this you are going to be able to get more visitors to your site who will buy from you! You have to make sure you realize that getting visitors from sites that have already been proven means you are likely going to make more profit from those visitors.

Second - You have to make sure you focus on testing every site you use on a small scale to see if it will work.

The better job you do at testing sites on a small scale, the more success you are going to have and the less money you are going to waste as well. So make sure you do the right things when you start out so you can maximize your profits.

Using Banner Advertising to Get Traffic in a New Market - What to Do If You Can't Get Visitors   Car Buying Made Easy Through Online Auctions   Getting Banner Advertising Traffic in Niche Markets - How to Get Sites to Run Your Ads For Free   Quick Cash Concept Review - Find Out The Truth About This System   Choosing the Right Banner Software For You   Banner Advertising Must-Knows - Impressions, Costs, and Benefits of Banner Ads   

Basics of Durable Power of Attorney

Nobody can predict the future. Your doctor cannot promise that you are in perfect health with no accidents on the horizon or have an undetected illness. You cannot declare that there will be no debt or financial obligations that you cannot ever handle yourself. Life happens and sometimes in ways we least expect. If you have a living will, your wishes are protected only as far as life sustaining efforts are concerned. There is no power for any surgeries or care decisions that may be required. No provisions for your financial obligations, your real estate, your taxes.

A power of attorney is a type of legal document in which you declare that you are assigning another person (a close relative or a trusted friend) the authority to make certain decisions on your behalf while you are temporarily unable. The person to whom you give these rights to is called an "agent". You, as the designator, are called the "principal." The agent is a "fiduciary", which means that he or she must perform any decisions with your best interests in mind and completely in good faith. Good faith simply means that something is being done without the intent to deceive.

For a regular document, a "limited" agreement, the agent can only perform tasks that the principal could perform themselves if they were able. The inability to perform the tasks could be a temporary absence or hospital stay. In order for the agent to be able to perform these tasks in the event of a disability such as a coma or mental incapacitation, legal verbiage must be incorporated into the document to make it a "durable power of attorney". This document goes into effect immediately upon signing. What this means is that even if you are capable of performing these tasks and making these decisions, your agent can make decisions independently of you. This is why it is of utmost importance to have an agent that is trustworthy.

For health care issues, an agent cannot commit the principal to a mental institution, agree to convulsive treatment, sign off on psychosurgery, agree to to abort a pregnancy of the principal, and agree to neglect of comfort care (withhold water and artificially supplied nutrition if it deemed in the the best interest of the principal).

For financial issues, an agent cannot convey your real estate, pay themselves out of your money, make gifts or loans with your money to a third party, make gifts or loans with your money to themselves or the power to appoint another person as an alternate or successor agent.

Without any provisions made by you, health care decisions would be made by your physicians or medical care team. Financial decisions would be left to the laws of your state or a conservator would be appointed after court proceedings. In order for sound health care and financial decisions to be made, should you ever be unable to perform these tasks yourself, a durable power of attorney could be a very wise decision for you. The power can be revoked at any time by you, should you feel that would be in your best interest.

How to Include Your Pets in Your Estate Plan   Planning For Your Personal Effects   How to Avoid a Guardianship   IRA Vs 401(K): Which One Should Come First?   

Preparing and Writing Your Own Living Will

The living will is an important document that you can use most especially when you want to plan ahead the method of how you will be treated when you are in the state of not being able to make your decisions when it comes to health care. Aside from that, it is also important when you want other people to own the assets that you currently have when you die.

This gives the family and friends that you left an idea as to what kind of life support you would like when you are in a vegetative state and conflicts will be resolved when it comes to where your property will proceed on who will be the one to manage it. Since death is inevitable, preparing a last will is significant. Here are easy steps on how you will do it.

When it comes to your health care, you might want to go to your family doctor. He or she will be the person that will explain to you the medical support that you will want when you are in a very serious state in your health. You can choose to decide for a DNR or Do Not Resuscitate orders where you will not be receiving any medical support.

You have to talk to your physician and get a printed form that will serve as your living will. You can even get it from your state government. But there is software on the internet wherein you can just make your own living will. Today, you can purchase and get anything on the internet. You can even choose to buy stun gun online. There is a preset template which you can fill in.

Make sure that you know to whom you will distribute the copies of your last will. You must give to your private lawyer, your physician or your personal health care provider and to your trusted family or friend some copies. You can keep the original copy for yourself on a safe place. It will only be taken once it is needed at very unpredictable situations one of these days.

Moreover, you have to meet up with your attorney because he will sign the document and get two witnesses to completely make it legal. When the will is legalized, it will be followed by any health care provider. It is a legitimate document that you have prepared which will be the guide for other people to follow when the time comes that you will not be able to decide for yourself.

If you want to do some changes, you can just consult your personal lawyer and follow the necessary requirements when it comes to making a new one. The most recent is the one which will be considered as legal. Policies must be followed to regulate things. Even with the use of tazer guns, the owner must be legally compliant. This is just like how you do it with your will.

This is how you will prepare a living will. Since it is a very important document, you must follow all the requirements and rules so that all will be legal and you will be able to use it without any trouble when the time comes.

How to Include Your Pets in Your Estate Plan   Planning For Your Personal Effects   How to Avoid a Guardianship   IRA Vs 401(K): Which One Should Come First?   Your Will and Why You Need One   Why It Is Important to Write a Will   

What Motorcycle Insurance Carriers Want to Hear From You

Getting a motorcycle is a considerable investment. Although they are often a lot cheaper than cars, motorcycles can still be very expensive. Thus, it only makes perfect sense to protect your investment with a good insurance plan. Before getting a plan, you will first have to scout around for a good insurance provider. What many people forget, however, is that an insurance plan is a two-way deal. You are basically looking for an insurance company that will address your needs but, at the same time, motorcycle insurance carriers will also be looking for clients that fit their own set of requirements. So what does it take to be an appealing candidate for motorcycle insurance carriers?

First of all, you must be truthful. When answering questions and interviews, you have to disclose everything as truthfully as you can. Do not underestimate insurance providers since they can run a background check on you and your bike anytime they want. You will usually asked questions about your age, when your motorcycle was purchased and your address. Be sure to be as accurate as you can when addressing these questions. Any lies at this stage in the process could have unforeseen consequences in the future.

Motorcycle insurance carriers are very particular about the age of a motorcycle's driver. Younger drivers are usually given higher rates than older ones. This is perfectly understandable because younger drivers are more carefree and reckless when riding around in their bikes. They are more prone to accidents because of inexperience. On the other hand, older and more mature drivers get a more preferential treatment.

They are given better rates because they are more experienced and less prone to accidents. While a driver's age is important, insurance providers will also consider the age of the motorcycle in question. Older bikes are more prone to breaking down. Malfunctioning parts can lead to serious accidents, so insurance providers generally charge more to insure older bikes. Newer bikes are often more preferred by insurance providers since they are less prone to breaking down, and the chances of a part failing while riding at high speeds is much smaller when compared to older bikes.

Motorcycle insurance carriers consider a lot of things before giving you an insurance quote. If you want lower rates on your insurance plan, then it is in your best interest to make yourself more appealing in the eyes of your insurance providers.

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Motorcycle Insurance - Life on a Bike

There are several different types of motorbikes out there, but for the sake of argument let's say that you have chosen just one and you are planning to use that one for many years to come. Chances are that you will be taking great care of your bike and you will try to ensure that no harm comes to it. The operative word here is 'try' of course and there are many circumstances in which your motorbike may be damaged by outside forces. No one wants this to happen to their motorbike of course, but it's often out of your control and for this reason there are insurance policies that will cover the damage.

Insurance policies come in several different flavours, some of which are better than others. For instance, you may find that your insurance policy covers damage to the other driver, but not damage to yourself. These are known as liability packages and in the case of a motorbike, these packages do not make much sense.

It would be better for you to invest in a comprehensive package that will cover both the bike and any injuries that may occur. One great example of an accident covered by comprehensive cover would be that of a manhole explosion. This is something that can happen anywhere depending on the condition of the underlying sewage lines. If a manhole cover somehow damaged your motorbike, you would not be covered under a liability package. It becomes rather frustrating when something occurs which is far out of your control and you are forced to pay the price.

When you are filling out your insurance paperwork you will need to remember that the insurance company itself is a business and as a result they will be protecting their own interests. The safer your vehicle is, the less they will charge and this is especially true in the case of motorcycle insurance. For instance, if your bike is stored primarily indoors, then you may receive some type of discount. In addition to that you will be given a discount or a price increase based on your driving record.

If your previous driving record is clean, then you will pay less than an individual who has been involved in an at-fault accident. As you can see, there are plenty of instances and considerations that you will need to explore before you choose a definite company to represent your interests. Take note that the price may also rise and lower depending on the company you choose. For this reason it would be a good idea to do a bit of quote comparing before you actually choose a company.

Thanks to the internet, you can no compare those quotes quite easily, especially with motorcycle insurance. All you need to do is go online and check out various bookmarked websites and in some cases a provider may do all the work for you, giving you quotes from various companies so that you do not need to go out and obtain those quotes yourself. Finding cover is so much easier today than it was in ages past and everyone should do their best to take advantage of the situation.

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How to Buy Gold

With the daily news reports of gold and the market, it is a little-understood fact that the actual price of gold is more static than just about any other investment vehicle or commodity. All of these market trends really just reflect the value of currency when compared to gold, in any country, at any time. Because of this singular fact, that the worth of gold today is similar to what it has always been, its value is always consistent and reliable, and buying gold is rarely a bad idea. In fact, for the savvy investor, gold is purchased at regular intervals, in order to hedge against economic declines of all natures, from war, inflation, failure of other investment vehicles, etc. Gold is highly valued in all countries, and this makes it far less dependent on the fiscal health of other commodities.

Gold is almost impervious to recession and inflation, which means that if you were to buy gold steadily; you would be well-protected against future economic crises, where the strength of the dollar is weakening. Especially in today's United States economy, where the national debt has led to more and more dollars being printed, which actually weakens the dollar, because there is less and less gold to back it up. Government deficits happen periodically, and you should expect that they will always be the reality for a society from time to time as wars, currency devaluation and other factors require an artificial infusion of cash. The one commodity that almost always stands strong against these problems is gold, and it can serve as a trusty source of capital during a national recession or even depression.

In fact, another good reason to purchase gold comes to you from history; the Great Depression happened when everyone ran to the banks all at once to withdraw their cash during an economic downturn. The banks, of course, can't possibly - in any century - cover this kind of expense, and the dollar collapsed. The president at the time ordered the hoarding of gold as a federal offense, which means that you could be arrested and jailed for trying to gather gold, because it was the one commodity that was still worth something and could buy anything - food, shelter, clothing, etc. Despite the century difference from then to now, the exact same thing would happen if the dollar became too badly devalued to be of practical use; gold would still be worth as much as it always has been, minus inflation.

Ideally, whenever you feel that war may be on the horizon, see the prices of common goods skyrocket or rise significantly, or any other sign that currency is devaluing, it might be a good time to get some gold for protection. However, in a more practical sense, these things tend to jump up quickly, before you are prepared for them or can even see them coming. As such, the best advice that a prospector can give is that it is never a bad time to purchase gold.

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Can't Afford to Buy Gold? Here's a Simple Plan to Get You on Track

There's an old saying that goes, "the best time to plant a tree was 20 years ago. The second best time is now". Buying gold has a similar story. The best time to buy gold was twenty years ago. The second best time to buy is now.

I have to admit I jumped on the gold bandwagon rather late. I wished I'd done it a long time ago. When I heard recommendations to buy gold, I always said "I can't afford it". The reality is I could have afforded it back then, even on my salary.

Now, I make more money and truly can't afford gold. I have committed to buying a little every month anyway. Some gold is better than nothing. Over the long run, the monthly additions will add up.

I still put investment money into stocks. When stocks are making money I'll continue doing that, but when they're losing money, I get out until they are making money again. I hold cash until a bull market returns, then I have the money to buy near the bottom, when stocks are cheap.

When I put my money into gold, I don't feel the loss if the price decreases, because I still have the gold I purchased. I enjoy owning the coins I buy and know that they are an investment in the future. I know I can sell them (I think) when the time is right, to profit.

When I was a young adult in the 1970's gold was $35 an ounce, where it had been since the 1930's. I had no incentive to buy, even if I could afford it, because it didn't go up in value. That's still true today. Gold doesn't go up in value. It holds its value while our government devalues our money.

In the 1990's when gold was $300 an ounce and I was making much less money than I am now, I saved $300 a month. When a friend recommended buying gold at that time, my reply was "I can't afford it".

Now, with gold ranging in price from $1600 to $1800 an ounce, I'm convinced I should be buying all I can get before the price goes up more. I'm not in the financial position to buy an ounce of gold every month, so I've made the commitment to buy fractional denominations. In hind sight, of course I wish I'd been astute enough to start buying gold a long time ago. I'd be wealthy by now.

Over the last 40 years, gold has held its value better than silver. Gold has had a steady increase in value, because of fiat money printing since the U.S. went off the gold standard in 1971. In the long run, gold will continue to increase in value compared to the dollar.

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How to Ensure You Purchase Authentic Antique Silverware

Antique silverware collecting became immensely popular during the 19th century and the fascination continues today as collectors seek beautiful pieces from the periods they are most interested in or indeed from all of them. Whether your interest lies in silver from the Georgian, Victorian, Edwardian or any other period, you will know that hallmarks represent the date, silversmith and place in which the silver piece was made. However, here is some further useful information that will help you to purchase authentic pieces and avoid making mistakes.

Silversmiths and Their Methods

It is known that silversmiths existed as far back as 4000 BC.

The two main processes of making silver items involve the use of moulds into which the silversmith pours molten silver or taking a sheet of silver and hammering out the product over anvils.

Silver Hallmarks

Many seasoned collectors will have seen the head of a lion within some hallmarks and this was the first English hallmark ever to be used in the year 1300.

Hallmarks were primarily introduced to prevent fraud and in 1478 another symbol was introduced whereby the silver piece was also stamped with a date letter. As time moved on symbols would be added to the hallmark to identify the silversmith and the city where the item was made.

You should inspect silver pieces with separate components closely to make sure that each component is hallmarked. For example if you collect antique silver tankards with lids, both the tankard and the lid should bear hallmarks.

Repairs and Modifications

It is conceivable that a very old item of silverware may have been repaired or in some way altered, perhaps with a new lid being placed on a tankard or jug. This being the case there should be a fresh hallmark representing the silvermaker who did the repair, the date and the place where the repair took place.

It is not very practical or easy to make items from pure silver because it is a very soft metal. Therefore silver is often mixed with another metal such as copper to make it easier to work with. Sterling silver legally must contain a minimum of 92.5% pure silver in the UK. Other countries have their own standards which are many and varied.

Silver Remodelling

As applies to many products silverware tastes and styles change as time progresses so items that may have been fashionable in the William IV period were not in the Victorian era hence they were often modified. Silver tankards from one period could very easily be remodelled into milk jugs during another period. If remodelling has taken place it is more than likely that the density of silver will not be even and that some parts of the body will be thinner than others. Items on which hallmarks have been distorted, whereby the hallmarks appear smaller through compression or distorted because they have been stretched, almost invariably have been remodelled into something that differs from the original

Duty Dodgers

From 1719 to 1758 the duty payable on silver items was extremely high. This led to silversmiths, working during those years, utilising sections of redundant earlier pieces, cutting out the hallmarks and inserting them on the silver pieces they were producing hence avoiding the applicable higher duty. If you find antique silver tea pots or coffee pots where the hallmarks form straight lines on the bases, you should be wary of purchasing.

Experienced collectors of antique silverware will be aware of the many and varied ways in which you can check an antique silver item's authenticity but if you are just starting your collection, it is always wise to study authentic pieces so that you learn to recognise fakes and the idiosyncrasies of re-hammering, remodelling and modifications that prevailed throughout the various periods.

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