Investing in Gold and Other Precious Metals

Investors turn to precious metals mutual funds during times of economic recession as the market gets extremely volatile. Uncertainty and volatility are two factors that have increased the popularity of investing in precious metals through mutual funds as they are a much sounder type of investment.

Precious Metals Investments

There are many benefits of investing in precious metals mutual funds. For starters, they protect you from the volatility that prevails in the market, which affects most other types of investments such as bonds and stocks. Moreover, investing in precious metals mutual funds also allow you to diversify your portfolio amazingly well, allowing you to spread your risks and maximize returns.

You should also read this page: for more information on the topic by an industry expert.

stack of gold

If you want to secure yourself in this economic recession, you should consider investing in a precious metal mutual fund. The process of doing so is also quite simple. In order to get started, you will first have to look at your existing investment portfolio and decide where to bring the investment from. Will you turn some of your investments in cash or spare cash and invest separately. Moreover, you also need to decide beforehand as to how much money you are willing to invest in the funds as this will align your investment objectives and goals proportionally.

After you have decided how much to invest and where to bring the money from, you should also decide on the amount of risk that you are willing to take. Along with risk, you should also know precisely how much time you can spend in the precious metals mutual fund market. Mutual funds come with different properties; some are 1 year funds, others are 3 or 5 years. Know that the longer you are involved in a market, the lower the risk will be.

You must also research on the precious metal mutual funds that you have as options. Look at those that are currently performing well. Some top precious metal mutual funds are U.S Global Gold Shares Funds and Special Minerals Fund. Since precious metal mutual funds are directly linked to the precious metals mining activities, you should also read about the newest mining technology since any development in such technology will make the mining process more efficient and therefore increase the value of mutual funds. After your research, choose three mutual funds and request for a prospectus for each. Read it carefully and also make sure to check the risk rating of your fund on Morningstar. After you have done all the groundwork, invest in the fund through your broker.

Finance Your Small Business in 2020

finance options loans for small businessA large number of us have great business ideas but financing the plans to transform them into a renowned business is the primary challenge. If you are asking yourself how you can fund your small business to expand it you are on the right track; this article will guide you and show you how smoothly you can make your small business a multi-billion entity.

There are new programs like Factoring, Invoice Financing, Account Receivable Financing, Alternative Online Loans, Merchant Account Advances and Rollover for Business Startups will be covered. These programs will help to finance your business.


For Startup Launches

  • Rollover for Business Startups

Rollover for business is a program where you invest funds from your retirement account like 401k without being penalized for early withdrawals. You are not required to pay any interests since it is not a loan. ROBS enables you to access your retirement funds and use them in financing your small business without borrowing or securing a loan.


When you use ROBS, your business retirement account owns shares of your small business, but you have full control of it. If the company is operating at a profit, the percentage of the profits the business is making can be returned to it. ROBS is different from withdrawing your retirement funds; it is a rollover.


It is always advisable to seek an expert to advise you if it works for you. In case you start the business, and it fails, you will have driven the last nail in your coffin. The expert will advise you how you can start the business and expand it. You can read my story of using this kind of financing in my company


Setting up ROBS is complicated that’s why we recommend you consult professionals. It is more than submitting paperwork. However, you can do it yourself by form a C Corporation, create a retirement plan for the new account, transfer funds from the retirement account to the company retirement plan, purchase the stock and run the business.  Read for more information concerning how to use a ROBS 401k Rollover for Business Startup 


For Business Financing

  • Factoring

Factoring can save your small business from collapsing if you are facing financial crisis. It enables the business to sell its account receivables to a third party at a discount. Account receivables is an asset belonging to the small business but are sold at a premium and the person/business buying pay cash. Your small business will not receive all the funds it would have made, but at least you will get some funds.


You use factoring to solve pressing financial constraints that the small business is facing. It helps your business to stay away from borrowing and bad debts which can lead to auctioning of the business stock.


It takes a period of 90 to 150 days which makes it too expensive for short-term borrowing. If your small business cannot clear debts, you are not likely to secure factoring. The business must have a good reputation for settling dues in time. Factoring is perceived to be more expensive than invoice financing since it is priced higher. In accounts receivable, the lender has collateral and can claim against the borrower. Therefore, it is less risk.


  • Invoice Financing

Inflow and outflow of funds is the cornerstone of every business entity. Invoice Financing provides instant funds to small businesses. You sell the business’s invoices to a factoring company which in turn give out cash.


The ownership of the invoices is transferred from your small business to the factoring company, and after 30 to 180 days you receive the cash. Invoice financing enables you not to seek for business loans or overdraft which you pay at interest and sometimes are time-consuming due to the lengthy processes. Here is more information about invoice financing and a good review of Fundbox 


  • Accounts Receivable Financing

Sometimes debtors take too long to pay for the products delivered putting the small business in an awkward situation. The business needs to pay its employees, purchase stocks and pay the insurance bills.


Account receivable financing enables the small business to receive funding while waiting for payment of unsettled invoices. Unlike financing and factoring, it is issued by unsettled invoices. It serves to manage small business cash flow that is blocked.


The cash is offered depending on the age, quality and amount of the unsettled invoices. If the small business invoice meets these qualities, the financing company determines whether to approve it or not and then set an interest rate depending on how speedily the invoiced can be collected.


It is accessible to source funds from accounts receivables than the invoice financing since the invoice financing company makes the decision based on the quality of the invoices rather than the small business ability to pay a loan.



  • Alternative Online Loans

Long a gone the days you had to submit your loan paperwork to the nearest bank and wait for two to three months before the loan is processed. Necessity is the mother of innovation. Technology has made it easy to access loans online within a minute at such firms as  This Kabbage review answers your question, are these types of loans right for your business?


Banks have developed apps where small businesses can access instant loans. The loan limit increases and interest rates reduce as the business pays its mortgage in time. The banks secure the client’s credit history from the third parties. Fundbox is an offers loans to small business after determining its account or bank data.


  • Merchant Account Business Advances


This is a financing option that has been used by many small businesses to finance their operations since its application straightforward than for business bank loans. It is processed fast, and the business receives the funds within the ten business days. Merchant Account Advances are popular since it does not require collateral.


Once the application is approved the merchant account lender deposits cash advance in the small business account. Many merchant companies charge 20 percent of credit cards the small business sale per day or month. A merchant account gives the business an opportunity to access money very fast.



Do not let your business remain small or collapse. There are plenty of options you can use to finance your business. Bad debts and colossal borrowing have done many companies, collapse you can avoid them by factoring, securing online loans, merchant account business advances and invoice financing.



Failed Entrepreneur Investors Share Priceless Advice of What Went Wrong

tips advice entrepreneurs start a businessWe often learn best from our mistakes, but don’t want to make them. Thankfully, many experienced entrepreneurs are willing to share their ideas of what they learned from their own mistakes and even what they wish they had known before starting a business. The following tips come from those who learned the hard way about what it takes to make a successful business.


Starting out is the hardest

Some entrepreneurs say the hardest part of becoming an entrepreneur, even harder than getting small business financing, is choosing the moment actually to do it. They say it is difficult to find that magical time when the stars align, and there are no obstacles. In fact, it is impossible. If you wait for that moment when there is no risk, you will miss the opportunity to start your business.


Many people who want to start a business don’t because they are afraid to take that first step, even celebrities like comedian Will Ferrell told Fortune that he experienced great self doubt at the beginning of his career. Do your research, think it through and if starting a business is something that you want to do, do it.


Once the decision is made to start a business, experienced entrepreneurs caution others to spend time on the business plan. For some people, working by themselves has always been their dream. They think they have to come up with all the answers. It is them against the world. Those who achieved success say working with others may give the feedback and drive to think of new ideas. The ability to brainstorm and discuss ideas can pay big dividends.


Those familiar with starting a business say that finding partners who share similar beliefs and goals may be the way to go. Look for people who don’t always agree with you, but will challenge and push you. Finding someone who asks questions is sometimes better than a person who will answer questions.


Whether to go alone or with partners, those who have started their own business say it is essential to set goals. They add that it is important to know where you are heading. Even with a clear focus though, experienced entrepreneurs encourage those starting out to be willing to tweak their plans.


Carrie Kerpen of Likeable Media reminds new business owners on to be flexible. She says it is important that you have a business plan in place, but that you are willing to change that plan. It is important to see missteps as chances to learn and to modify that business plan.


Making decisions requires information

Experienced entrepreneurs remind those planning to start a business that one of the most significant challenges is realizing there is no roadmap to success. They caution that if there is no clear direction, some newcomers wrestle with decisions to the point that no decision is made. This inaction can cripple any business.


Ryan Harwood of PureWow reminds new business owners that they should make decisions based on information, but also be willing to follow their gut feelings. After all, the reason you started a business is because you believe in yourself.


Those who learned from their mistakes tell other entrepreneurs they should be to be willing to adapt, reminding them that not every decision will be the right one and even a good decision may need to be tweaked.


An important tip from those who have built successful businesses is that a mistake does not mean the entire business plan is a failure. Meredith Valiando Rojas of DigiTour Media sees problems and constructive criticism as a way to change and adapt. Sometimes by not failing, we do not see that there are better ways to do something.


You will always face a problem, and sometimes you will think that problems cannot be overcome. But your success will depend on how you react to problems. Will you let it end your dreams or will you bounce back and use your knowledge to find a new approach?


Finding success requires failure

Even successful business owner will make mistakes. If something doesn’t work as planned, it is human nature to think about it. The hope is that you may find what went wrong and learn from that.


Entrepreneurs have a more substantial stake in their decisions and can dwell on a mistake for too long, putting their business in jeopardy. After all, an entrepreneur has put a lot into their business, and if something goes wrong, it can have a huge impact.


Business owners remind others that a mistake may cost you a client or some money, but there are ways to fix the error and overcome the consequences. Remember, tomorrow is another day, and that means more opportunities. Take time to reflect on what went wrong, but don’t let that prevent you from finding solutions to improve and grow your business.


It is often through failures that we find success. For whatever reason, you decided to become an entrepreneur. For some, it was being laid off from a job, for others, it may have been a sense of not being satisfied with their situation. There was some difficulty that pushed you to start a new business. Looking back, it is easy to see that without that dissatisfaction, you would never have started something new.  Entrepreneur go forth and prosper! Good luck.


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Author Bio:


Marsha Kelly is a serial entrepreneur who has done time in corporate America, selling her first business for more than a million dollars. She has learned what products and services work in business today, and she shares her experiences on her best4Business blog at You can learn from her experiences from shopping the internet for tools, supplies, and information to build your business and improve your finances.

Characteristics Of Small Cap Stocks

Stock investing is a tricky domain as there are a lot of options; large company stocks, small company stocks, foreign stocks and domestic stocks. With so many options available, it can get frustrating for investors to decide where to start.

What You Should Know About Buying Small Cap Stocks

Beginner level investors commonly choose small cap stocks as their first choice of investment. Small cap stocks or small capitalization stocks, are stocks that belong to companies with a smaller market value. Other feature of small stocks include:


Small cap stocks are generally more volatile as compared to large stocks. Moreover, with volatility comes risk and thus it goes without saying that these stocks have a higher risk associated with them. This is due to the fact steep increase and decrease in the prices can occur too quickly and therefore, cause dramatic changes in the overall worth of the stocks in question.

Low Trading Volume

Small cap stocks also have a low trading volume and therefore, investors may find it a bit difficult to buy and sell these stocks. As a seller, it will be challenging to be in a situation where you cannot find a buyer to sell your stocks to. Therefore, patience is key for small stock investors. Moreover, these investors should also have a higher tendency to tolerate risk in order to withstand the huge swings in the price of small stocks.

Prone To Economic Turbulence

As compared to large stocks, small stocks are more prone to economic turbulence. Small cap stocks are affected to a greater magnitude, which again increases their risk. During economic recession, small companies may find it hard to get loans from banks, which may thus affect the overall worth of their stock adversely.

Insider And Institutional Buying

Insider and institutional buying are two common activities that take place when small cap stocks are involved. Both these activities affect the worth of the stock in question and as an investor, you should know about these practices. Insider buying is when the company’s own official buy its stock whereas the latter is when large institutions buy or sell the company’s stock. Institutional buying is extremely powerful and their actions may affect the worth of the stock hugely in positive or negative manner. Moreover, where as information regarding insider and institutional buying may not be so readily available, researching on financial websites can help you in obtaining the relevant information.