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Your Precious Metals "Checking Account"

It is smart to diversify your precious metals into two categories. The first category is your "checking account," which is bullion that hasn't been certified to have any unique numismatic value. This part of your portfolio can be accessed more quickly than your savings account items by selling it for a value linked to the current spot price. The value of this portion of your portfolio will rise and fall with the current market price of the metal, and offers you diversification from your Dollar-based investments.

Your precious metals "checking account" works like an insurance policy. Should the stock market or the Dollar face a crash, the value of your precious metals will increase to help compensate you for your losses in your Dollar-based investments. Because gold and silver have been accepted as having value for thousands of years, this is an "insurance policy" that you can cash out of at any time.

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Your Precious Metals "Savings Account"

Your precious metals "savings account" consists of investment-grade rare coins that have been certified to have numismatic value above and beyond their metal melt value. Because they have value as rare coins, they are not affected by changes in the spot price of gold and silver to the extent that bullion (your precious metals "checking account") is. This offers you further diversification both from the ups and downs of the traditional markets and from the ups and downs of the precious metals markets.

While investment-grade coins are more stable than bullion, they can take longer to liquidate. As a result, they should be considered part of a long-term buy-and-hold strategy.

Contact us now so that we can advise you on which coins are most likely to increase in numismatic value. Don't be taken advantage of by unscrupulous coin dealers. Go with a dealer you can trust -- one with an A+ BBB rating. Call now 800-257-3253.

GOLD:   1255.20  2.08 

   SILVER:   16.05  0.15

   PLATINUM:   896.00  11.39

   PALLADIUM:   1026.40  -8.94

Free Consultation! 800-257-3253

Precious Metals Educational Articles 
Before You Buy Gold Read This
Bullion vs Rare Coins
Non-Correlated Portfolios
Not All Gold Is Created Equal
Silver as an Investment
Declining Value of Dollar
Historical Charts
Precious Metals Reporting Requirements
Grading of Coins
How Rare is Your Gold Eagle?
How Rare is Your Buffalo?
How Rare is your Silver Eagle?
Gold Commemorative Rarity
Precious Metals Market News
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12 Problems With the U.S. Economy

Government Sets It's Sights on Private Retirement Accounts

The Dollar as the Reserve Currency
The U.S. (and World) Debt Crisis
The Cycle of U.S. Economic Crashes
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12 Major Problems With the U.S. Economy

1) The U.S. government has over $95 trillion in total liabilities.

When you include include normal debt, off-the-books debt, and unfunded liabilities the U.S. owes more than the GDP of the entire world! IT IS MATHEMATICALLY IMPOSSIBLE FOR THE U.S. TO COVER THESE OBLIGATIONS, and very soon the U.S. will be forced to default either outright by not paying certain obligations, or informally by creating money and paying its debts with devalued currency - which has already been happening.

2) The U.S. government is having trouble finding normal buyers for its debt.

PIMCO, previously the largest domestic purchaser of U.S. debt, and China, previously the largest foreign purchaser of U.S. debt, both stopped buying U.S. debt years ago. The U.S. can't afford to pay a market rate of interest on its debt that would attract normal investors. As a result U.S. debt is paid for by having either the Federal Reserve, or the bank of another country (like the EU) create money out of nothing to buy the debt with. More than $2 trillion in U.S. debt has been paid for simply by creating Dollars.

3) The Congressional Budget Office has reported that the U.S. deficit will explode within the next ten years from $227 billion to $827 billion.

This is partially due to retiring baby boomers that will start collecting Medicare, Social Security, and government pensions. It is also because the Affordable Care Act ("Obamacare") will be fully in effect by then, and because the interest on the debt will increase. This estimate is actually very optimistic because it is expecting interest rates to stay artificially low and it is expecting healthy GDP growth which is unlikely to happen.

4) The Labor Force Participation Rate is at a 38-year low (as of Aug 2015).

The last time there was such a small percentage of the population working was before women had fully entered the workforce. According to the Bureau of Labor Statistics this low participation rate is only partially due to retiring baby boomers.

5) The employment/population ratio has only recovered about 20% since its drop in 2008.

The Obama Administration announces job gains each month, but these additional jobs often are not enough to even keep up with population growth, let alone gain back the losses from 2008.

6) Over half of Americans have had to make at least one major sacrifice in the last three years to keep their home.

Over half of Americans (52%) have had to make at least one major sacrifice in order to cover their rent or mortgage over the last three years. These sacrifices include getting a second job, deferring saving for retirement, cutting back on health care, running up credit card debt, or even moving to a less safe neighborhood or one with worse schools.

7) The Dollar is steadily losing its status as the world's reserve currency.

An increasing number of countries are setting up currency swap agreements allowing them to trade without first changing their currency into Dollars. Once the Dollar loses its reserve status the U.S. will no longer be able to live beyond its means with a large trade deficit.

8) Billions of dollars of junk-rated corporate bonds and collateralized loan obligations are being bundled into top-rated securities, creating an over-levered, unstable market.

The 2008 crash happened because banks were over levered with "junk" securities. Now, the business of bundling junk-rated corporate loans into top-rated securities is booming like never before following the implementation of regulation aimed at making the financial system safer. This is happening in part because of of low interest rates and easy money

9) Risk is building up again in the US mortgage and housing markets.

An index published by the International Center on Housing Risk shows that the US as a whole and each state individually all have high levels of mortgages that would be upside down with even small declines in housing prices.

10) Fannie and Freddie are clearly "systematically important financial institutions," meaning they are so big and levered up that the government could not allow them to fail.

We have a new post-crisis financial category: systemically important financial institutions, meaning anybody big enough and leveraged enough to possibly create "systemic risk" for everybody else. If anybody at all is a SIFI, then Fannie and Freddie are SIFIs.

11) The U.S. has had a crash every 6-8 years, and the next crash is due.

The Federal Reserve is still aggressively stimulating the market to try to create a recovery. The market cannot withstand another crash now. The U.S. economy has not recovered from the last crash yet.

12) Experts agree that a crash is coming.

Former Fed Chairs Alan Greenspan and Ben Bernanke, along with the Congressional Budget Office, have said the U.S. government's fiscal situation is unsustainable. Many experts who publicly predicted the 2008 crash (Mark Thornton, Peter Schiff, Ron Paul, Eric Englund, Marc Faber) are predicting another larger crash to come.

When the next crash happens it will be too late to protect your portfolio.

While it is possible to see the direction the U.S. economy is heading, it is impossible to predict exactly when the next crash will come. Once the mainstream media has announced that public confidence has failed it will be too late. Everyone will be trying to sell their Dollar-based assets and everyone will be trying to buy gold at the same time.
Once your house burns down it is too late to buy fire insurance. Investing a portion of your portfolio into precious metals is a hedge, or a form of insurance, which works to protect the overall value of your portfolio in the event of a crash. What are you doing now to protect your portfolio for tomorrow?

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When the Dollar Loses its Status as the World's Reserve Currency

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