Archive for the ‘Financial Services’ Category
JM Bullion - Gold and Silver
JM Bullion – Gold and Silver Investing
About JM Bullion
JM Bullion is an online retailer of gold and silver bullion products, from bars to rounds to coins. We deal exclusively in physical bullion, offering delivery straight to your door.
Quality products are one of our top priorities. JM Bullion exclusively purchases metal from mints and wholesale trading desks, ensuring that the products our customers receive are of the highest quality. Our coins come direct from the mint, in brand new, sealed tubes, and the majority of our bar and round products are indicated as “brand new” on their product pages, meaning they ship sealed in plastic and fresh from the mint.
JM Bullion is located in the United States, within Pennsylvania near Philadelphia. We have proper and full accreditation from the state, federal government, and distributors alike. As a fully licensed and attributed company, you can take peace of mind knowing that you are dealing with a credible company who values your safety and security just as much as you.
Our customer service has been and will continue to be a priority. Should you have a question about prospective orders, orders in processing, or completed orders, simply contact our phone support, live chat support, or email support for a prompt response. We are always willing and able to assist you with an existing order or to answer any questions that you may have. To get in touch, visit our Contact page, use our Live Chat, or call us at 800-276-6508. Though most customers place their orders online, we accept orders over the phone as well. Do not hesitate to contact us with any questions, comments, or anything else you might need assistance with. Thank you for visiting and we look forward to helping you and providing you with the most pleasant bullion buying experience possible.
JM Bullion is an online website that supplies individual investors with physical gold and silver products at the lowest prices possible.
We deal strictly in physical metals intended for delivery directly to the customer – we do not hold metal on “account” or offer “paper” metal investments, as we believe the only way to truly own precious metals is to hold them in your possession.
Our Company
JM Bullion offers a full catalogue of both gold and silver products. We keep our product catalogue simple and consistent, thus ensuring we always maintain a sufficient inventory of each product and never confuse a customer with several variations of the same product. To learn more about our product offerings as well as the authenticity of our products, visit our About Our Products page.
Many of our customers have come back time and time again, which is a testament to their experience shopping at JMBullion.com as well as to the customer service they have received. Many companies may say it, but we do truly value our customers and our goal is always to ensure that you are both happy and free of risk when buying gold and silver.
We look forward to serving you and hope that you will become a satisfied, long-time customer of JM Bullion.
About JM Bullion Products
Here at JM Bullion, we want to make sure customers are completely informed about our products before placing orders. Surprises are never good in our business, so we provide you with as many details about each of our products as we can; this way you know exactly what to expect when placing an order from our website.
To learn more about any of our individual products, visit the product pages and review the “Product Details” and “Product Specifications” tabs. If you have any further questions about any of our products, please contact us for more information.
Condition
Each of our products have a “condition” specified on their product specifications tab. There are three conditions of products we offer on our website:
Brand New – Bars or rounds that are indicated as Brand New are recently fabricated bars or rounds that have never been bought or sold before. Brand New products are in shiny, flawless, and all around impeccable condition.
Varied – Products that are indicated as Varied may be older bars, rounds, or coins that may have previously been bought and sold a few times. Varied products will contain just as much metal as Brand New products – the only differences are aesthetic. When ordering Varied products, you should be prepared for your products to have scuffs, specks of dirt, lesser shine, and other minor aesthetic flaws (that do not effect the value of the precious metal contained in the product).
Brilliant Uncirculated – Coins that are indicated as Brilliant Uncirculated are brand new coins that have never been bought or sold before. Brilliant Uncirculated coins are in shiny, flawless, and all around impeccable condition.
Brand
Each of our bars and rounds have a “brand” specified on their product specifications tab. There are two brand descriptions that may be listed:
Varies – Bars or rounds that are specified as “Varies” means that the products you receive were not minted by any specific mint or company. Expect to receive exactly what you ordered from a brand of our choice.
Specific Brand – Any of our bars or rounds that list a specific brand on the specifications tab means that you are guaranteed to receive products from that particular brand/mint.
Year
Each of our coins have a “year” specified on their product specifications tab. There are two year descriptions that may be listed:
Varies – Coins that list the year as “Varies” means that the coins you receive will be from years of our selection. For example, if you ordered American Silver Eagles listed as Year: Varies, you may receive some coins from 1999, some from 2004, and some from 2008. The year will not affect the value of your individual products, but you may not end up with the latest edition of the coin.
Specific Year – Coins that list a specific year means that the coins you will receive are guaranteed to be from that year. For example, if you ordered American Silver Eagles listed as Year: 2012, you are guaranteed that all of your coins will be the 2012 edition of the coin.
Product Images
All of the product images on our site are example images. You are guaranteed to receive the product you ordered, but the images may be of a different brand of bar (if the bar is listed as “Brand Varies”), a different year of coin (if the coin is listed as “Year Varies), etc.
Authenticity
One of the most common questions we receive about our products is “How do I know the gold or silver I buy is real?” Well, fake gold and silver does exist – there is no doubt about that – but here at JM Bullion we take a great deal of pride in assuring the authenticity of each of the products we sell.
Here are a few of the reasons you know that items purchased from JM Bullion are real:
JM Bullion only buys from mints and distributors. We do not buy any items from the general public. The majority of our products are ordered in new condition from the mints who produced the items themselves. When not in new condition, all additional inventory is obtained from mints and distributors who have been in business for several years with outstanding reputations.
JM Bullion ensures that we are delivering products minted only by well-known companies. In most cases, fake silver and gold will be ambiguously stamped and labeled so as to confuse the buyer. We never carry these types of products. If you call or email us, we can provide you with a list of available brands.
The Modern Functions of Gold and Silver
The modern functions of gold and silver are a lot more dynamic than many people realize. Yes, jewelry is a popular usage for precious metals, but it is hardly the only market that creates outside demand. Everyone from investors to automobile manufacturers has an interest in precious metals. Without the diverse source of demand for gold and silver, prices would be affected greatly.
The two most common places you will find gold and silver are in the form of jewelry or investment. The third primary function of metals is found industrially. The types of metals used vary across the board, with investors owning the majority of pure gold and silver in the world.
It is important to note that the term “investment” does not specify an individual holding gold and silver. Everyone from everyday citizens to entire countries invests in precious metals. This is one of the characteristics of gold and silver that makes it so unique. You aren’t going to find many global powers buying up shares of a public company, but rest assured that almost everyone is ensuring that they own their fair share of gold and silver.
Function as an Investment
Gold and silver are the most enduring form of currency and investment in the world. If you want to buy paper money today, you can expect it to be worth the same exact amount (at least on paper) in 20 years. If you buy gold or silver, however, you have a very reasonable chance of seeing your investment multiply when measured in dollars. This is the difference between investing money and having money.
The reason that countries have become so interested in owning precious metals relates directly to their confidence levels in worldwide currencies. If a government is given the choice of having assets in the form of a currency that has the potential to become worthless or gold and silver which has sustained significant value for thousands of years, you can see why they have been going to metals more and more frequently as the years go by.
One of the most active times for gold and silver trading is when there is economic worry. Though the exact correlation is debated among economic experts, many feel that metals are one of the safest bets in a time of uncertainty. With that said, however, the past 100 years have seen many sizable runs in many directions in both the gold and silver markets. While unusual economic conditions can certainly spur big movements in the world of precious metals, they are not an absolute requirement.
The chart below is a perfect illustration of just how much precious metals prices fluctuate over time. In the 1980s and 2000s, both periods that sustained noteworthy economic troubles, gold and silver both saw significant gains. Now, the difference between these two time periods is also important to note. Unlike in the 1980s, the collapse of gold and silver in the late 2000s was not dramatic, and it in fact regained much of its initial losses in the months following.
This is one of the primary differences between a pullback and a total bubble. Gold and silver have recovered most of their latest pullback and remain steady. If there is one thing that almost every chart shows, it is that gold and silver have always been one of the safest places to put your money in times of economic distress.
To learn more or to purchase Gold or Silver CLICK HERE!!
Watch our BLOG for more in-depth reviews of JM Bullions Products and Services!!
Tags: silver products, JM Bullion LLC, round products, product offerings, individual products, United States
Why Invest in Silver
The 3 Best Silver Investment Strategies For Top Profits
Silver Prices Are Going Up – Profit From It – Here Is How
Here is an article about one of our new companies over at TandS Money, it is very interesting!!
There is a great number of different ways to get involved in the exciting silver bonanza that is just getting started.
At this point, you may wonder which of the many vehicles and means is the most appropriate one for your situation and investing background.
With so many alternatives, it is easy to be a little bewildered. In this summary, you will see the strategies that is best for beginning investors, intermediate investors, and advanced investors.
Investing in Silver for Beginners
If you are a beginning investor, then you do not want to expose yourself to scary amounts of risk or the volatility, price swings, and value changes that using leverage will bring. This may be an effective way to maximize your profits. Still, if it puts you on an emotional roller coaster ride that causes you to doubt your choices as the prices of silver temporarily correct, possibly even leading you to sell overextended silver positions at a loss, then it is counter productive.
You as a beginning investor need to focus on purchasing physical silver and holding it. Since you will own the silver, it will be easier to ride out any short term price movements without panicking. In this book, we discussed many different methods of acquiring physical silver.
There are semi collectible silver coins, collectible rare silver coins, and bullion silver coins. Each of them have their advantages and appeal as we saw, but at this stage, you are looking for the most cost effective way to purchase as much physical silver as you can for the money that you have to spend. Because of this, your best way of purchasing physical silver is through buying silver bullion coins or bars.
In buying one or ten ounce silver coins, you have something that is not only a store of silver, but also beautiful to look at and enjoy. The premiums for these coins can be a little high, but they offer the advantage of small denominations of even a single ounce.
This is helpful if you later decide that you want to take some of your profits while keeping the rest of the investment for later additional price appreciation.
It will cost you from $2 to $4 per ounce if you buy the once ounce coins, depending on whether you buy the Canadian Maple Leafs or Austrian Philharmonics, the American Silver Eagles or Silver Buffaloes, or the Australian Rabbits.
By buying the ten ounce versions of these coins, you will save as much as half on these silver bullion premiums. This is your best way to go with the coins, since ten ounce silver denominations are still small and easy to part with for partial profit taking.
If you are willing to go with the silver bars, then you will get lower silver product premiums over the spot market price. On hundred ounce bars carry commissions of only $50 per bar. This amounts to a reasonable fifty cent premium per ounce. For the biggest bang for your silver dollar, these larger bars are the way to go.
There are storage facilities that will act as custodian for you. The most cost effective way of storing silver though is likely in your local bank’s vault in a safe deposit box. This is also easy to access. You can get one of these sufficient for your storage needs for a reasonable $100 to $150 maintenance cost per year.
The last advice for you the beginner is only to buy the silver for which you have the actual money. Avoid margin accounts for now. These are more appropriate for intermediate and expert level investors.
Silver Prices Are Going Up – Profit From It – Here Is How
Investing in Silver for Intermediates
As an intermediate investor, you are prepared to do some trading in and out of silver. For you, the best formula for silver fortune success lies in buying the SLV silver exchange traded fund. It tracks silver extremely closely every single trading day. It is highly liquid and easy to get in and out of five days per week.
Buy these SLV shares like you would stocks, with low commission rates through self directed investment accounts online, such as with TD Ameritrade, eTrade, or Scott Trade. The commissions on these trades will cost you around only $20 for each round turn in and out of silver, or about $10 for each purchase or sale.
As you use your charts for price movement, you will see that there are major dips and peaks in the price. You can increase your profits with silver by purchasing the SLV Exchange Traded Fund shares as silver pulls back. When the price of silver rallies towards peaks and highs, then you can sell part or all of your shares to lock in profits.
You can increase your silver holdings and potential profits through wisely using a margin account. This will allow you to buy up to twice as much silver as the cash value of your trading account. In this way, you will possibly double your profits from the time that you buy your SLV ETF shares to the point that you sell them. With this two to one margin amount, you should not run into any danger of margin calls or forced position sales if silver prices pull back temporarily.
Investing in Silver for Advanced
For those of you who are more advanced investors, there is another track for you that will potentially allow you to make even greater levels of profits since you are familiar and experienced with handling larger amounts of risk. You can purchase the silver ETF that offers greater leverage for starters.
The AGQ Pro Shares Ultra Silver Exchange Traded Fund will allow you to acquire double exposure to silver price movements. By using a margin account with this, you will be able to achieve four times the leverage and exposure to silver price increases. Four to one margin is still a low and relatively safe amount of silver that should not lead to margin calls.
A more aggressive means for you to build up silver positions is through silver options on the SLV ETF. As silver pulls back after price increases, you may feel confident that it will soon resume its upward price march. This is the time for you to buy option contracts on SLV, giving you a one hundred share position equivalent for every contract that you purchase.
Just be careful with these options, since they are only valid for a certain amount of time until the expiration date arrives. If the silver prices have not risen within your time frame, then you will either have to accept the loss of all the money that you spend on the options, or exercise them and take on the underlying SLV shares at a price that has you underwater on the ETF shares, at least for the time being.
The other method to acquire heavy leverage to silver is with futures accounts or FOREX accounts. They give you the ability to hold the positions as long as you wish. They also provide you with fifteen to one margin with futures contracts and twenty-five to one margin with FOREX spot silver.
Just remember to buy silver on pull backs and to only acquire positions that you can take some price declines on, since this higher margin will mean significant gains and losses as silver prices swing back and forth.
More on Silver Investing: Read the Silver Fortune Report
Is Silver The Better Investment?
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SOURCE: Wealth Building Course
Update - New Website!
We have expanded again!!
We have a brand new website called TandS Money. Its is a website about the financial world. We have many new trusted, reputable companies in the Finance Market. We are both getting to the point of our lives where investing and retirement planning are extremely important! So we decided that since we were both checking into investing or retirement that we could make good use of our knowledge base and start a new website about it!
We are doing 5 company profiles, articles, reviews, product and services! These products and services will cover ALL the vast categories of finance!
Some of these categories will include:
Trading
Commodities Trading
Learning how to trade
Forex
Banking
Commercial and Business Loans
Legal sites for many different business documents
NewsLetters from the financial sector
Why is Finance Sector so Important?
According to the business library;
It is evident that finance is an outstanding sector that should provide interesting insight. IT is especially relevant in the financial industry in that it was one of the first sectors to use computer services on a large scale–taking off by about 1980 in using electronic transfer, ATM machines, automatic accounting systems and other automated “back office” services to keep abreast of global markets and provide almost instantaneous services to customers. Yet, industry studies to date have not been able to measure any meaningful productivity impacts from IT in the finance sector.
To read the rest of this article CLICK HERE!!
Here is a small preview of our new companies that are partnering with us for some of their marketing needs!
So if you have any interest in the financial sector, if you are a trader, if you just want to learn to trade, or you are just watching your investments soar check out TandS Money for all your financial tools, tips and tricks!!
To go to TandS Money CLICK HERE!!
Credit Scores
8 credit score myths
Your credit score affects all areas of your financial life. Do you understand what’s behind it?
SALEM, Ore. (CNN/Money) – Your credit score, or FICO score, is arguably one of the most important pieces of information in your financial life.
Lenders, landlords, insurers, utility companies and even employers scrutinize this rating — which sums up all of the information in your credit reports with three digits ranging from 300 to 850.
Yet, according to a survey released Tuesday, nearly half of all Americans don’t understand what these scores measure or what factors go into them.
The survey, conducted by Opinion Research Corporation for the Consumer Federation of America (CFA) and Fair Isaac Corporation, found that 49 percent of respondents do not understand that credit scores measure a person’s credit risk, while 45 percent think – incorrectly – that a higher income will result in a higher credit score.
“Despite all of the news coverage about credit scores over the past year, many consumers still do not understand important facts about these increasingly influential numbers,” said Stephen Brobeck, CFA executive director.
Just how influential is your credit score?
If your credit score is 580, for example, you are likely to pay nearly three percentage points more in mortgage interest than someone with a score of 720. To put it another way, the payments on a $150,000 30-year fixed-rate mortgage would be about $890 if you qualify for the best rate, according to Fair Isaac, the company that created the FICO score. That same loan could cost more than $1,200 a month if your credit is poor.
To that end, you’ll want to check your credit scores periodically, correct any errors on your reports and take steps to improve your score over time. The secret to a better credit score: Pay your bills on time and keep your balances low.
To help consumers understand their scores, CFA and Fair Isaac have prepared a free brochure now available online.
In the meantime, make sure you’re not falling for any of these common credit score myths.
Myth: You only have one credit score. In truth, you have three credit scores, one from each of the three major credit bureaus. “These scores can vary by as much as 50 points or more,” said Ryan Sjoblad, a spokesman for Fair Isaac. This is why it’s a good idea to check all three.
Myth: Checking your own credit will lower your score. You can check your own score as many times as you want without impacting your score, said Sjoblad, but make sure you do so via the bureaus or a legitimate score seller like MyFICO.com rather than, say, at a car dealership.
Myth: Your age, income and sex are factored into your score. According to Sjoblad, none of this information has any bearing on your score. Your employment is something that is listed on the credit bureau report, he added, but doesn’t affect the score itself.
Myth: A higher salary will boost your score. Paying off your debts will improve your score. Earning more money, winning the lottery or inheriting a fortune, however, will not because, again, your net worth and income are not factored into your score.
Myth: To remove unfavorable info just dispute it. If there is information in your report that is legitimately inaccurate, you should by all means dispute it. Credit agencies are obligated to investigate credit inaccuracies within 30 days or remove disputed information. But don’t fall for so-called credit repair companies promising to remove unfavorable (though accurate) information from your credit reports to “instantly” improve your score. These days credit agencies not only investigate disputes quickly, they know a sham when they see it.
Myth: Shopping around for a loan hurts your score. When you apply for a loan or get pre-approved the creditor checks your credit report, which shows up as an inquiry to your credit. While it’s true that too many inquiries to your credit will lower your score, you absolutely can shop around for a mortgage, home equity loan or car loan without worrying about damaging your credit, said Sjoblad. “As long as the same kind of inquiries are made within 14 days of each other, they count as one inquiry on your credit score,” he said. Take note: This grace period doesn’t apply to credit cards.
Myth: Credit card offers are hurting your score. Credit card solicitations, while annoying, don’t affect your score. That’s assuming you don’t respond to the solicitations and use all of the credit that’s available to you. There is no magic number for how many credit cards are too many, said Fair Isaac’s Cheri St. John. But, if ratio of credit used to credit available is high, that indicates higher risk. “Clearly consumers want to keep balances below the available credit line,” she added.
Myth: When you get married your credit scores are merged. “People think once you’re married your credit information gets mixed,” said Sjoblad. But, your good or bad credit is yours and yours only ’til death do you part. When you open accounts jointly, though, that information will be reflected on each of your credit reports, for better or for worse.
What EXACTLY is a credit Score??
Wikipedia describes your credit score as “A credit score is a numerical expression based on a statistical analysis of a person’s credit files, to represent the creditworthiness of that person. A credit score is primarily based on credit report information typically sourced from credit bureaus.
Lenders, such as banks and credit card companies, use credit scores to evaluate the potential risk posed by lending money to consumers and to mitigate losses due to bad debt. Lenders use credit scores to determine who qualifies for a loan, at what interest rate, and what credit limits.
Lenders also use credit scores to determine which customers are likely to bring in the most revenue. The use of credit or identity scoring prior to authorizing access or granting credit is an implementation of a trusted system.
Credit scoring is not limited to banks. Other organizations, such as mobile phone companies, insurance companies, landlords, and government departments employ the same techniques. Credit scoring also has a lot of overlap with data mining, which uses many similar techniques.
So knowing your score is just as important as knowing what affects your score! Too many people do not fully understand their credit score and how it works until it is too late!!
So take charge of your credit and make sure you teach your kids the value of money and the importance of a good credit history.
Click on the banners to see YOUR score right now OR click on the pink links for more information about accessing your credit score details!!
Many people know very little about their credit Score and there are a lot of misconceptions about ones credit score.
Shopping by Phone (Pt2)
This is a follow up to my last post about merchants wanting to get their phone numbers out there for customers who do not feel safe shopping online.
SkinCare by Alana – Organic skin care products
Did you know there are many things you can do to help your skin? These tips will help you keep your skin looking the best it can be….Give Skincare by Alana a call for all your skincare needs…
Kevis Hair Rejuvination
External changes in your physical environment including humidity, elevation, and extreme temperatures can effect follicular production. Work-related stress along with strained relationships with family or friends can also cause changes in body chemistry and hair health and appearance.
Kevis works regardless of gender or ethnicity, find out how and why.
Lexington Law
Lexington Law is the trusted leader in Credit Repair. We have been helping consumers take action on their credit reports since 1991. We have served over 1/2 million clients and have led to the removal of millions of questionable items from their credit reports. We are a law firm that complies with the Credit Repair Organizations Act (CROA) We are looking for callers with low credit scores, high debt, bankruptcy or other financial trouble that would prevent them for qualifying for a loan. Additionally, we work on many cases of identity theft every year.
e-Faucets
Our trusted mega brands include Delta, Moen, Kohler, American Standard, Price Pfister, Danze, Grohe, Giagni, Hansgrohe, Blanco, Teka, In-Sink-Erator, and many more. We are one of the few to be internet authorized by our manufacturers.
E-Faucets mission is simple, to use the Internet to make the remodeling of your Kitchen or Bathroom as fast, easy, and enjoyable as possible. They envisioned a reputable company that could provide people with quality kitchen and bathroom products at low prices delivered quickly. They have succeeded! By combining innovation, style, and luxury, they are able to achieve our goal of providing customers with outstanding products and services.
Shopping by Phone
Many people do not feel safe purchasing or using their credit cards online. So merchant like the ones I am featuring today are making sure that consumers know they also have toll free numbers for shopping online!
For Business Needs/Web Services
PAYCHEX The Power of a Good Idea
PAYCHEX is a must for all your business needs! Whether you are a small business or a large company, paychex can take many burdens off your shoulders.
Paychex, Inc. is a recognized leader in the payroll and human resource industry, serving over a half million businesses nationwide.
The Services that Paychex offers small business are:
Payroll services
Tax services
401(K) and employee benefits
HR administration and compliance
Comprehensive Human Resource Solutions
Employee leasing
e-Fax
eFax launched its Internet fax service with the goal of using the convenience of email and the speed of the Internet to make it easier for people to send and receive faxes. eFax has grown to become one of the world’s largest providers of Internet messaging services, offering fax by email to more than 11 million subscribers. Our appeal and success are built around three key features: the widest selection of phone numbers; an easy way to send and receive faxes and voicemail by email; and a fast, reliable and secure communications network.
The benefits of eFax:
Private and Secure
Multiple Recipients
Cost Savings
100% Paperless
Local Numbers
Lifetime Archiving
PrintRunner
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