Explanation Of A Gold IRA

Gold IRA investments, or Precious Metal IRA Investments, are a type of retirement account that allows people to invest in physical Gold. Gold is an excellent investment for retirees because it cannot be devalued. Even if the price of gold declines, the Federal Reserve would have to devalue the dollar for someone with a Gold IRA to suffer financially. It provides a reserve for a financial crash, preventing people from having to sell their Gold in the case of a stock market crash.

We will get into the best gold IRA companies as well. These are the top of the line only!

How does it work?

A gold IRA is a retirement account that allows people to invest in physical Gold.

Diversifying With Gold

Gold is a valuable way to diversify your retirement portfolio because it is not directly tied to the stock market and is not impacted by a stock market crash. It also has a low correlation to bonds, which explains its role as insurance against a bond crash.

Benefits of Gold:

It provides insurance against a stock market crash. There is no risk of capital loss when Gold drops in value if you have physical Gold to sell in the case of an economic collapse.

How to purchase Gold?

You can purchase Gold by:

Buying gold coins – you can buy gold coins of standard weights and sizes. Purchasing gold bullion – you can purchase pure, raw bullion bars (precious metals in their purest form). Buying Gold Loans – According to LIBOR, you can borrow Gold at the Bank Of England’s London Bullion Market Association (LBMA) refineries. The LBMA is a member-only organization that guarantees the delivery of the precious metals it sells.

Notes on the Gold IRA:

The Gold IRA is a self-directed retirement account, allowing you more flexibility in investing than other retirement accounts. A Gold IRA can be opened anytime and is not subject to the same restrictions as traditional IRAs. The minimum amount required to invest in a Precious Metal IRA is $5,000. To invest in Precious Metals, you must use a custodian, an organization authorized to provide information and services necessary for an investor to trade precious metals within their Precious Metal IRAs. A custodian is required for your Precious Metal IRA to be completely tax-deferred.

Types of Gold IRA accounts

There are three types of Gold IRAs:

Traditional gold IRA

Financial institutions can recommend or sell only the most liquid precious metal investments in a Traditional Gold IRA. Reducing tax per year: If you are under the age of 70 ½ and it is the year when you first establish your Traditional IRA, you can deduct your contributions until the end of that year. Afterward, withdrawals from a Traditional IRA are taxed at ordinary income rates.

Roth gold IRA

As the opposite of a Traditional IRA, the Roth IRA is not tax-deductible when you make your contribution. However, all your withdrawals from a Roth IRA will be tax-free after you reach the age of 59 ½. Reducing tax per year: If you are under the age of 70 ½ and it is the year when you first establish your Roth IRA, you can deduct your contributions until the end of that year. Afterward, withdrawals from a Roth IRA are taxed at ordinary income rates.

The best way to use a gold IRA is to rely on a custodian that allows you to invest directly in physical bullion. This way, you will benefit from the power of leverage by investing in Gold at today’s rate and selling it when the price rises. You can also use your IRA as collateral for a loan at the LBMA. By borrowing on an as-needed basis, you can avoid paying taxes if your investment returns remain modest.

SEP gold IRA
Self-employed people also have the option of opening a SEP IRA. This account is designed for small business owners and freelancers who do not have access to a 401k or Traditional IRA, which are usually limited to people who work at regular jobs. The annual contribution limit is 20% of your earned income.

How can I fund a gold IRA account?

To fund your account, contact a custodian who will work with you to open an account.

Precious Metal IRA custodians:

CIFCU: We specialize in gold and precious metals investments for IRAs. Our website has information about gold IRAs and online tools that can help, including calculators and charts. Gold IRA Swiss America has been helping clients worldwide buy physical Gold using their IRAs since 1993. Their website contains information about their business and products and numerous videos about tax savings through gold IRAs.

Cash contributions and IRA Transfer

To start with a Gold IRA, you must first transfer funds from an existing retirement account into your new Gold IRA. This is called a rollover because it involves changing the investment or owner of a current balance. You can make a transfer either by cash or check. An IRA transfer allows for either Gold, money, or securities. Investors must use a self-directed IRA custodian to complete a gold IRA transfer.

Stock and security transfers:

The gold transfer option is not available for stocks or securities. Investors with stocks in their existing retirement accounts cannot transfer them to a Gold IRA account. Stocks are non-fungible because they must be replaced with the same amount and type of stock to maintain the same value after transfer.

Top Websites

We all look forward to finding the perfect companion and falling in love. However, falling in love latino-coupleis only possible when a perfect match is found. Preferences are made during dating based on religion, political affiliation, ethnicity, and culture. In an increasingly technological world, it is only natural that seeking an online dating site that recognizes specific preferences is an easy option. More importantly, there are sites that are Latino-specific. Here are the top Latino dating websites to get you started:


With over three million members, this Hispanic dating site has matched thousands of single men and women to their soulmates. LatinAmericanCupid is part of the reputable Cupid Media network that operates over 30 dating sites worldwide. The site operates in various countries including the US, Venezuela, Ecuador and Argentina, giving members an opportunity to explore and find love across the oceans.

Once you join the site, you can give information about your educational background, personality and even describe your ideal partner. The site offers various dating packages and features ranging from $10 to $30. However, once you pay the membership fee, you can upload your photographs as well as your video profile. Additional features such as chat rooms and the site’s search feature enable members to narrow down their preferences in order to find the perfect date.


This site allows users to make instant connections with friends, romantic partners or soulmates. The site has a strict security policy that requires new members to provide a valid driver’s license or passport number. Basic membership is usually free but other features such as Chat, Instant Messenger, and Groups are only available to paying members. Members are able to share videos and even post blogs for other members. Additionally, the site offers a language feature where you can choose to communicate in English, Portuguese or Spanish.

eHarmony Hispanic Dating

eHarmony helps you narrow down thousands of members to a few compatible partners. More specifically, the site uses a special Compatibility Matching System. With a large pool of ethnically, racially, and religiously diverse individuals to choose from, eHarmony can help you find a date that understands and values your interests, goals, and background.

The site requires new members to fill a relationship questionnaire in order to receive a free personality profile. Once you join the site, you can specify if you wish to meet women or men, and communicate with your matches directly after choosing a preferred payment plan. Besides helping its members find suitable soulmates, it also offers free dating advice. The membership fees range from $59.99 for one month and $19.95 per month for a yearly package.


Owned by People Media, a subsidiary of Match.com, this dating site allows its members to identify themselves as Latino, Hispanic, Chicano, or Spanish to make the matching process easier and more effective. Additionally, the site offers free online dating advice with the aim of protecting its members from online dating predators.


The name “Amor” is Spanish word that means “love.” True to its name, the sites aim to help its members find love and match soulmates. The sites offer members a selection of three languages including English, Spanish and Portuguese. While some of the site’s features are available to all members, paying members to get to enjoy additional features such as Instant Messenger and Chat. Membership fees start at $20 per month.


Though this is not a pure Latin dating site, it is one of the leading online dating sites. Thanks to over 30 million members, you are assured of meeting thousands of Latinos online. Its most enticing feature is its free browsing feature, which attracts even more singles. However, interactions through instant messages and emails are only available to paying members. Additionally, the site provides “Match Events” every week, in your area where you can interact with other singles in person or group setting, like at this page.


Dating may not be easy, but with the aforementioned websites, you can finally find an ideal date and possibly a soulmate. Of course, you should browse through several dating sites and test their free features before you settle for one. This is particularly important because, to enjoy the more advanced features and improve the chances of meeting your Latino soulmate, you would likely have to pay membership fees.

Tips For Saving Money With Coupons

Coupons are great as long as you know where to find them. There are too many people who are not sure of what they are looking to get and that is why they lose out. Let’s take a look at a few tips you should keep in mind as you are hoping to save money online.

As long as you are thinking about this, you are going to be well on your way and should save a lot of money.

Those who are not focused on this are the ones who are going to struggle a lot.

1) Use Google

The best place to begin is Google. This is your home when it comes to saving money online with coupons. If you are not going to Google, you are not going to save much of anything. So, how do you search for coupons online? For example if you want to find MyFreedomSmokes coupon and discount codes you may want to use the following.

Let’s take a look.

1) Search “Product Name + Coupon + Year Of Purchase”
2) Search “Company Name + Coupon”
3) Search “Company Name + Discount”

These are the things you will want to type in when you are on Google. This should be more than enough to locate an option that you are willing to save money with.

2) Check Online Stores

Online stores are made for this purpose like the vapor4lifecouponcodes.com website. You want to ensure the details are being assessed. When you are not going online, how are you going to know if money can be saved? You want to look for generic coupons as well where there are sitewide discounts on offer.

Sometimes, you start looking for specific coupons, and that is why you don’t save money.

You can also save money with sitewide discounts where all products are on sale as long as you use the code. Think about this as you are going through the research process in the hopes of saving money.

3) Check Coupon Databases

There are many databases online that have a collection of coupons you can go through. The best part is you can search endlessly to find a good deal. It is not always about what you are getting, but about potential deals that are out and about you might not even be aware of.

Look into this when you begin your search for coupons because a lot of money can be saved doing this.

Those who miss out on this are going to regret it.

4) Search For Different Stores Online

Let’s say you have a particular microwave in mind that you want. The make and model number are in your hands, and it is time to buy. Well, you should hold up because money can be saved as long as you are willing to do a bit of research beforehand.

What you are going to do is take that make and model for research purposes.

Start looking for other stores that are selling this product. You might even be able to find coupons for this product at others stores.

Do your due diligence because there are many ways of saving money.

These are the tips for saving money online with coupons in this day and age. If you are not doing this, you are not going to save a lot of money. There are too many people who don’t put in time when it comes to this aspect, and that is why they lose out.

Coupons are necessary as long as you know how to use them. If you don’t, you are not going to save money at all.

These four tips are going to make sure you are on the right page.

We’re on the Job at Project Hope

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