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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:   1256.70  4.27 

   SILVER:   17.93  0.08

   PLATINUM:   966.00  +5.00

   PALLADIUM:   813.00  +13.00

Call Now! 800-257-3253

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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?
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Gold Commemorative Rarity
Precious Metals Market News
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The Dollar as the Reserve Currency
The U.S. (and World) Debt Crisis
The Cycle of U.S. Economic Crashes
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2016 Gold Standing Liberty Quarter
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1993 5-Coin Gold & Silver Philadelphia Set
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Current Pre-1933 Inventory
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Before You Buy Gold Read This(Common Gold Scams)

Get Bit by the Gold Bug, Not the Gold Dealers

Unfortunately, many customers new to the gold market get scammed by untrustworthy dealers. We have seen many people -- who could have benefited greatly by buying gold - who have had bad first experiences and end up turning away from the industry altogether. We want you to have confidence that gold is a good fit for you. When you learn how certain unreliable gold dealers rip off novice buyers, you can develop confidence that there are gold dealers that can be trusted.

Gold is an unregulated industry. Gold is almost the only financial asset that is not regulated by government. This is beneficial for people who want to buy gold to protect their assets privately, without government tracking. However, it also means that gold dealers can charge any price for their products.

For bullion products this is not a problem. Ungraded bullion coins like gold eagles and gold maple leafs are sold in such high volumes that there is high competition between dealers to keep the price at a low markup over spot. It is relatively easy to shop and compare prices on these items.

Rare coins with numismatic value above the value of their metal content are a different story. Investment-grade rare coins can be a valuable way to diversify your portfolio, but it is more difficult to confirm their actual value. By definition there are not many of these coins, so it is much more difficult, often impossible, to shop around and compare prices. Some unscrupulous gold dealers will charge a 100% markup or more on rare coins. This means that the coin would have to double in value for the customer to just break even on their purchase.

There are many reasons rare coins are a valuable addition to a portfolio. However, rare coins also are the way the most untrustworthy dealers in the industry will try to take advantage of customers. There are many strategies used in the industry to trick novice customers into buying overpriced rare coins:

Government Issued

Many gold companies will use names that sound patriotic, but some will go even further and adopt names that make them appear to be government agencies. They may even have a logo that looks like the seal of a government agency. Be aware: the only US government organization that sells gold is the US Mint. The US Mint deals only with raw bullion products. It does not sell coins that have been graded. If a company tries to sell you a graded rare coin, it is not a government organization.

Some companies will stress that their products are "government issued" and "certified legal tender." It is true that products like gold eagles, silver eagles, and gold buffalos were originally minted by the US Mint. However, just because the products originated from the US government doesn't mean that the company that is reselling them is trustworthy.

The "Bait and Switch"

Many industries will use a "loss leader" offer to attract customers. This is a product that is offered at or below cost to get the customer interested, and then the sales person will try to sell the customer on another product where the profit is made.

In the gold industry companies will often advertise "at cost" gold with little or no markup over the metal's spot price. Then, once the customer is on the phone the company will try to sell them over priced rare coins. Even the US Mint itself charges a premium over the spot price when dealers buy from it. If a company is offering you a coin at the spot price of gold, the company is losing money. Ultimately this company expects to make their money back and more by selling you marked up numismatic coins.

Fancy Advertising

How did you find out about a gold company? When you consider the cost of the TV, newspaper, or magazine ad that they used to get your attention, the company is losing a good deal of money. There is nothing wrong with a company being paid for its services. Simply be aware that fancy advertisements and glossy pamphlets come at a cost.

Facts are facts and fluff is fluff. Evaluate a product or company based on the fundamentals, and not based on fancy advertisements. Higher costs mean higher prices.

Celebrity Personalities

Many celebrity personalities have endorsed gold companies, including TV stars, movie stars, sports stars, politicians, and even a former US Mint director. Invariably, these celebrities are being paid for their endorsement. These endorsements do not come cheap. Ultimately the cost is passed on to you in the price you pay for the product. Even if this celebrity has some particular expertise in the industry, you should not let their recommendation stop you from doing your due diligence to evaluate the company.

A company that mistreats its customers will eventually be ruined by its own reputation. However, when a company is endorsed by a high profile celebrity it can potentially continue to pull in new customers after having scalped its previous ones. Focus on the message, and not the flash of the messenger.

Third-Party Certification

Coin grading companies like NGC (Numismatic Guaranty Corporation) and PCGS (Professional Coin Grading Service) are in the business of grading the conditions of coins. They are not in the business of grading the reliability of companies. Just because a company is a certified dealer for one of these grading services does not necessarily mean the company is trustworthy. Also be aware that just because a coin has been graded to be of good condition it does not necessarily mean the coin has any numismatic value.

Services such as the BBB (Better Business Bureau) can be a useful tool in evaluating a company. Very few gold dealers have a positive rating with the BBB. If you examine the BBB record on a gold dealer that does not publicize their BBB rating, you may find a list of complaints that reveal an interesting pattern of behavior.

Click here for our BBB record.

Gold Reporting

Many gold dealers will claim that their products do not have reporting requirements. For a complete listing of which products have reporting requirements see our reporting requirements page.

Shop Around on Investment-Grade Sets and Date Runs

We have spoken with many customers who have purchased rare coin sets from other companies with high mark-ups. When they find out how much less we charge for these products the customers feel cheated and become skeptical of the entire industry. Instead of trusting our lower rates, they begin to wonder how we could be making money at all when we are charging so much less. They wonder how we might also be taking advantage of them.

We hope to catch customers before they have this negative experience. Our goal is education over sales. We want you to understand why the coins you are purchasing have value. Find out why so many other customers have switched to RPMEX after having bad experiences with other companies. Find out why RPMEX has a complaint-free "A" BBB rating. Thank you for giving us the chance to earn your trust.