Are Precious Metals a Good Investment for you?

Precious metals are undoubtedly one of the most popular commodities to trade, not least because of the strength they add to the average investment portfolio. There are, of course, many factors to consider before investing in them, so it is worth knowing how they behave on the market and when the best time to invest is. Here are some considerations on precious metals.

Market Behaviour

Often traded through brokers like LCG, precious metals (gold, silver and platinum) exhibit unique market behaviour, and are considered a fairly steady investment. Gold is often used to hedge a portfolio against investment risk.

Given that their core value doesn’t really decrease, they are seen as the go-to commodity in times of political and economic uncertainty. This is because other, more volatile assets (like currencies) become incredibly difficult to invest in due to their unpredictability, and thus their value can often decrease dramatically.

Current Performance

It is worth noting that the behaviour of each individual precious metal is often mirrored by the other precious metals, Silver’s market behaviour, for instance, is incredibly similar to gold’s. Precious metals have, by their standards, had a fairly volatile year, with the value of gold currently standing at around $1,338/oz (as of 06/09/2017), almost exactly the same value as it was a year ago.

This is up from $1,157 at the start of the year. It is likely that tensions between the US and North Korea have contributed towards this surge in value, and it could well be the case that gold’s value decreases if this eases off. Silver’s market behaviour has been much the same over the last year, so compared to earlier in the year these metals are now very expensive.

Are They a Good Investment?

Compared to their value five years ago, precious metals are trading are a fairly low price. That being said, it seems as though they could well be on the rise again after a significant period of geopolitical turmoil, so watching the market carefully is bound to be a good idea.

Silver and platinum also have fairly widespread industrial uses, so any surge in demand for them could well see their price rise sharply.

Precious metals will always be a good investment to hedge against risk, but currently they may be seen as overvalued/too expensive by buyers. Many may be looking to sell in the short term future to take advantage of their current value.

Relocating to Singapore: How to Manage your Finances

If you choose to relocate to Singapore from the UK, you are making a popular and increasingly sensible decision. After all, this is regarded as the easiest Asian city for UK ex-pats to adapt to, while it is also a safe and family-friendly location that delivers an exceptionally high standard of living.

Mercer’s cost of living survey regularly lists Singapore as one of the top 10 most expensive cities in the world, entering the top five as recently as 2015. This means that you will need to plan your finances carefully when moving to Singapore, whether you are relocating for work or as part of ambitious retirement plans.

Managing Your Finances When Relocating to Singapore

So, here are some key tips to consider when relocating to Singapore, as you look to make a seamless financial transition to living abroad:

  1. Allow Time to Accumulate Savings

Let’s start with the basics, as the cost of living and purchasing property in Singapore is noticeably high. In fact, Morgan Stanley has predicted that Singapore’s property prices could double by the year 2030, with sustained hikes forecast for 2018 and beyond.

This means that you must allow time to accumulate savings and organise your finances, and you may need expert assistance to help with this. Wealth management firms such as Tilney can fulfil this role, as they combine financial advice with investment options to help optimise your capital and build savings for the future.

  1. Understand the Intricacies of Currency Fluctuations 

While the British pound (GBP) has currently enjoyed two-week highs against the Singapore Dollar, the spectre of Brexit may cause the continued devaluation of sterling over time. This means that buying Singapore currency and translating your wealth may prove difficult, which is why you must monitor macroeconomic trends and ensure that you transfer your money at the optimum time. Similarly, you must also try to convert currency without incurring huge fees, as these can also eat into your accrued capital.

  1. Consider the Miniscule Costs of Living

 Even with savings and a pronounced understanding of finance, relocating to Singapore can still be challenging. This is because there are small details associated with day-to-day living that must be attended to, and these seemingly insignificant costs can quickly accumulate over time.

Singapore has its own, unusual form of TV licence, for example which is a generic tax applied to anyone who owns a television. This must be paid annually, so you must have a full understanding of costs before completing your move.

Jim Harbaugh Net Worth

College football coaches are under heavy scrutiny in this day in age.  With social media and a constant flow of news 24 hours a day, being in charge of a college football program has never been more difficult.  However, when you consistently win, coaching can be quite enjoyable.  In comes Jim Harbaugh, head football coach of the Michigan Wolverines.  Harbaugh is currently in his third season as head coach of the Michigan Wolverines, and he has led the team to success they haven’t experienced in decades.  His teams went 10-3 during his first two seasons, and is currently undefeated through the first four games of the 2017 season.  Because of his early success in Ann Arbor, Jim Harbaugh has been able to secure a high salary of $9 million for the 2017 season.  His coaching success throughout the years has helped balloon Jim Harbaugh net worth to $22 million.

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At 53 years of age, Jim has been around football his whole life.  He played quarterback for the Michigan Wolverines during the 80’s and led his team to the Rose Bowl during the 1986 season.  He finished third in the Heisman voting that year and went on to be a first round NFL draft selection by the Chicago Bears.  Harbaugh went on to play 14 seasons in the NFL for a number of teams.  He finished his NFL career with over 26,000 yards passing and 129 touchdowns.  In the late 90’s, NFL salaries weren’t what they are today, and along with playing, Jim took an unpaid assistant coaching job with his father at Western Kentucky.

Jim spent a season as an assistant coach in the NFL after his playing career was over before finally becoming a head coach for the University of San Diego.  Jim had a combined 29-6 record at the helm and led the team to back to back 11-1 seasons and two conference titles.  His west coast success didn’t go unnoticed and he soon became the head coach of power five school Stanford.  Jim only spent four season as the head coach for the Stanford Cardinals, but in 2010 he took his team to the Orange Bowl where they won and finished the season with a 12-1 record.  He eventually found himself coaching in the NFL again as the head coach of the San Francisco 49ers.  He coached against his brother, John Harbaugh, in Super Bowl XLVII where his Niners team lost by a field goal.

Eventually Jim landed up in Michigan where he is now and where he has stated he’s always wanted to be.  Jim Harbaugh net worth comes from his long career in the NFL as a player and his successes as a head coach at multiple levels.  For the 2017 football season, Jim’s $9 million salary makes him the highest paid coach in the sport.  We expect Jim to continue coaching for the Wolverines for a while longer, and thus we expect Jim Harbaugh’s net worth to continue to increase.  While coaching salaries have gotten higher over the years, so have the expectations.  If Jim can continue to meet and exceed the expectations of the Wolverine faithful, he can go down as one of the great coaches in all of football history.

Plan for the Unexpected: Why Home Insurance Can Save Your Future

Buying a home is one of the most significant financial commitments you make in life and so it makes sense to protect the building that houses your family from unexpected events. Severe weather is becoming an increasing threat on a more widespread level than ever before and so unless you have a crystal ball, it’s essential to have a strategy in place to protect your greatest asset – your home.

Here are some tips to help you prevent damage to your home:

  • Choose your insurance wisely: It’s important to completely understand your home insurance policy and what it covers in the event of your home sustaining any damage as a result of severe weather or any other cause.
  • Do you need Umbrella coverage? An Umbrella home insurance policy helps protect you from any incident or accident involving your home, including events where you’re determined as being at fault. Say for example your home is damaged as a result of someone leaving the taps running in the bath which causes extensive damage to the floor and ceiling of the room below. An Umbrella policy will protect you in events such as this.
  • Does your policy have full replacement coverage? This kind of home insurance policy provides for a rebuild of your home or replacement of items in it based on today’s prices. Other policies not offering full replacement cover only provide for the original cash value or market value of your home and its contents.
  • Keep detailed records: Make sure that you have all the details of your policy and who to call in the event of making a claim somewhere safe. When you’re in the middle of an incident and you are panicking about what to do, knowing where to look for the information you need is of great comfort. Most people have access to cameras with their smartphones these days which is important when it comes to making claims as photographic evidence can go a great way to substantiating the extent of damage done.
  • Keep an up to date inventory of your possessions: When you first take out your policy, make a video record of each room in the house, focusing on the items covered by your policy. Keep this information with your other policy details and if you make any purchases of significance, update your policy and take a picture of the new item to keep your records straight. Having as much information as possible ensures a really smooth process should it come to making a claim.
  • Small home improvements can make a big difference to your premiums: If you live in an area that is prone to extreme and serious weather conditions, making the alterations to your building to protect it from these outcomes can significantly reduce your home insurance premiums. Similarly, if you live in an area where there is a lot of reported burglaries, installing a security system as extra protection can also affect how much your home insurance costs.

Protect Your Home Against Any Eventuality with the RIGHT Home Insurance Policy!

This is why you should consider a reliable home insurance provider like TrustedChoice.com, who know the importance of taking the right steps to protect your home against the uncertainty of the future. Without the give of foresight, it’s just not possible to gauge how events will pan out or how your home may or may not be affected. Taking precautions by setting up a comprehensive policy that protects your most important asset over the long term gives you enormous peace of mind.

Bill Belichick Net Worth

Bill Belichick is the head coach for the New England Patriots of the National Football League.  The 65 year old has been the head coach of the Patriots since 2000.  He is currently in his 18th season of coaching with the team and his 23rd of coaching in the NFL.  His success with New England is unparalleled in professional sports.  Due to his high success in coaching, Belichick has easily earned his yearly salary estimated to be around $7.5 million.  This high salary and his the constant success of his teams on the field have helped make Bill Belichick net worth $40 million.

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New England head coach Bill Belichick

Belichick became enveloped in sports from a young age.  He played football in college for Wesleyan University in Connecticut, but his passion for the game didn’t stop there.  Bill spent many seasons in the National Football League slowly working his way up to the top.  His first chance to become a head coach was in 1991 when he was given the reigns to the Cleveland Browns.  He coached for the team for five seasons with his best record being 11-5 during the 1994 campaign.  He was eventually let go after the Browns went 5-11 during the ’95 season and the team moved to Baltimore.  It wouldn’t be until the year 2000 when Belichick was once again announced as a head coach, this time for the New England Patriots.

In his first 17 seasons with the Patriots, Belichick has led the team, with help from quarterback Tom Brady, to an astonishing 201-71 regular season record.  Belichick wasn’t just good at winning, he was good at winning championships.  Bill has coached the Patriots to five Super Bowl titles during his stint.  Additionally, the team has made the playoffs in 14 of his 17 seasons and has 14 AFC East division titles to go along.  The Patriots are the defending Super Bowl champs after a come from behind victory against the Atlanta Falcons in Super Bowl LI.

So what helps to make Bill Belichick net worth so high among coaches?  Ultimately it is his teams success year after year.  He is a five time Super Bowl winner as a head coach, a two time Super Bowl winner as an assistant coach, and a three time winner of the AP NFL Coach of the Year award.  That many awards over a coaching career is sure to make almost anyone a wealthy individual.

We believe that Bill Belichick net worth will continue to increase over the coming years.  He is one of the highest paid coaches in all of football history and as long as his team continues to produce we don’t see him retiring anytime soon.  We have seen many coaches continue their careers well into their 70’s, and we shouldn’t expect anything less from this future Hall of Fame inductee.

Why Should My Company Invest In A Multilingual Website

Being a small business owner, you’re probably aware of how important it is to find the right audience and reach out to them. You’ve probably done quite a bit of market research and segmented your acquisition campaigns to hit the sweet spot with every group you target.

All of that is great, and it will certainly make your company successful and generate revenues. However, what it we told you that you can double, triple, or even quadruple your target audience and transfer your company to a whole new level of success?

Don’t believe us? We’ve got two words for you – multilingual websites.

Something as simple as adding multiple languages to your website could be responsible for skyrocketing your company’s success. This isn’t a particularly new or a particularly revolutionary idea, so it often gets overlooked by many entrepreneurs, especially the ones that run a one-(wo)man business.

Don’t miss out on an amazing opportunity to bring your business to a whole new level just because you couldn’t spare a lunch break to optimize your website for more than one language. That’s right – it doesn’t take longer than an hour to add another language to your website. Web developers at SITE123 have been working hard on creating a simple, easy to use feature that would enable their clients to quickly translate their website’s content into another language.

While SITE123 isn’t the only website builder out there that has this incredible feature, it’s the only one that’s completely free to use.

Still need a bit more persuasion? Let’s go over some of the less obvious benefits of having a multilingual website:

1.Multiple languages increase your search engine visibility

Although Google dominates most of our lives here, that’s not always the case in the rest of the world. In many populous countries, neither Google nor Yahoo are among the top three most used search engines.

Offering your website in more than one language will help your website get a much better organic ranking in many of the lesser known search engines such as Russia’s Yandex or China’s Baidu.

2.The sheer number of your clients will skyrocket

As of 2017, there are 7.5 billion people in the world, and around 40% of them are on the internet. Most of the 3.6 billion people online today aren’t English speakers.

There are 1.2 billion Chinese speakers, 437 million Spanish speakers, 295 million Arabic speakers and just over a quarter of a billion Hindi speakers in the world. Among all of those people there’s bound to be quite a few of them that might be interested in what your company has to offer.

Failing to provide your services to anyone outside of your language zone means failing to grow your business.

3.Your company will become more trustworthy

With a million and one online business and stores popping up each week, it can be hard to tell which one of them should be worth your customers’ time and money.

Having a multilingual website, along with the option to sell and ship internationally, will help you reach out to more than 70% of non-native English speakers – all of whom say that they prefer browsing and shopping in their native languages.

4.You’ll beat your competition

One of the many joys and excitements of running an online business is the constant competition that motivates you to work harder and your business to thrive. However, taking a break from that is something most business owners long for, and having a multilingual website could be the solution for that.

You see, by offering your content in more than one language, you’ll be expanding your business to more countries – countries with undeveloped markets ready to be conquered by your product. The extra profit you generate from your international ventures will help you boost your company’s domestic growth, which will in turn help you rise up from your competition and start dominating the market.

5.It can open doors for new business opportunities

Providing your content in more than one language is great for gaining new clients, but did you also know that it could open doors for new and exciting business ventures?

Your website could attract other international businesses that might be looking for an international partner or a wholesale provider. Better yet, if you’re running an agency, your services might be something that’s lacking in other countries, and you could break into an entirely untapped market. Also, international business cooperation almost always cuts your operating costs and lowers the taxes you pay.

Conclusion

We hope that we’ve managed to shine a bit more light onto this often overlooked matter and convinced you to start offering your content in more than just one language.

If we’ve got you hooked, but are still skeptical of how you’d be able to manage it on your own, don’t worry – we’ve got you covered. SITE123, the amazing website builder we’ve mentioned before, has a great piece on the future of multilingual websites, along with a comprehensive guide to translating your website.

Ready to international? Start by creating a free website and translating it into as many languages as you’d like.

Clayton Kershaw Net Worth

Clayton Kershaw is a pitcher for the Los Angeles Dodgers.  Although he isn’t even 30 years old, Kershaw has one of the most lucrative professional sports contracts in history.  He was able to secure his current contract due to his stellar performance on the mound.  His current contract, seven years for $215 million, has skyrocketed Clayton Kershaw net worth to a new height.  While the first few years of baseball contracts helped create a foundation for his net worth, his current contract has made Clayton Kershaw net worth an astonishing $50 million.

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Pitcher Clayton Kershaw

Born March 19, 1988 in Dallas, TX, Kershaw spent his younger days in Dallas and attended Highland Park High School.  He excelled in his high school years and became one of the top prospects in the 2006 MLB draft.  Although he originally committed to play college ball at Texas A&M University, he eventually signed with the Dodgers when they selected Clayton number seven overall in the draft.  Kershaw spent two years in the minors for the organization before being called up for good during the 2008 season.  He started 21 games in his rookie campaign posting a 5-5 record and an ERA of 4.26.  He has continued to excel in his career ever since.  Despite being unable to lead the Dodgers to a World Series appearance thus far, he has been the main reason the team has consistently reached the playoffs.

Upon being drafted in 2006, Kershaw received a $2.3 million signing bonus as part of his initial contract.  This helped to give Clayton Kershaw’s net worth a jump start on many 18 year olds.  In 2011, Kershaw had an incredible year for the team.  He posted 21 wins for the organization and an ERA of just 2.28.  The Dodgers rewarded him with a two year $19 million contract for his efforts.  2014 was when Clayton Kershaw would hit his big payday.  After following up his 2011 campaign with two solid seasons, the Dodgers gave Clayton a massive seven year $215 million contract which paid him an average of over $30 million per season.  He was now the highest paid pitcher in Major League Baseball history.

Currently in his 10th season in the majors, Kershaw has a career record of 142-63 with over 2,000 career strikeouts.  His big payday is the result of his top performances year in and year out.  Clayton is a seven time All-Star and a three time winner of the NL Cy Young Award which goes to the division’s best pitcher.  Kershaw has almost certainly already solidified himself as a future inductee into the Hall of Fame.

After this season, Kershaw still has three years remaining on his current contract with the last two being a player option.  If he decides to finish out his contract with Los Angeles, we expect Clayton Kershaw net worth to baloon to over $75 million.  After he finishes the contract he will still be just 32 years of age, young enough for another big deal.  He has the potential to become one of the highest paid players in the MLB in terms of career earnings.  While nobody can predict the future, we do know one thing; Clayton Kershaw will be a very rich man for a long time to come.

Blake Bortles Net Worth

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Blake Bortles is a professional football player for the Jacksonville Jaguars of the National Football League.  At 25 years old, Bortles is one of the younger starting quarterbacks in the league.  A Florida native, Bortles has spent his entire football career in the sunshine state.  He was a two sport athlete at Oviedo High School in Florida and went on to play college football at Central Florida.  He then entered the NFL draft in 2014 where he was selected number three overall by the Jacksonville Jaguars.  Entering his fourth season in the league, Blake Bortles net worth is currently $8 million.

Bortles was a two year starter at the University of Central Florida leading the team to a 22-5 record in those two seasons.  He threw for over 7,000 yards in his collegiate career to go along with 56 touchdowns and another 15 rushing touchdowns.  At 6’5” 230 pounds, Bortles caught the eye of NFL scouts due to his size and potential to succeed at the next level as a pocket passer.  After being drafted third overall, Bortles signed a four year contract with the Jaguars valued at over $20 million.  Included in that contract was a signing bonus that exceeded $13 million.  Earlier this year, Jacksonville exercised a fifth year option on the quarterback.  Because of his high draft pick and the position he plays, Bortles will earn an estimated $19 million for the 2018 season.  The total amount of his first five years in the NFL will total just shy of $40 million.

Bortles success in the NFL has been somewhat limited through his first three seasons.  In three seasons with the Jags, Bortles has thrown for over 11,000 yards to go along with 69 touchdowns to 51 interceptions.  Most disappointing though is the Jags 11-37 overall record during those three seasons with Bortles at the helm.  Additionally, the team has failed to end the season with a winning record in each of the past nine seasons.  While many thought Bortles would be the spark to bring the Jags back to the top of the division, time is slowly running out.  To make matters worse, at this moment, Bortles hasn’t even been declared the starter for the 2017 season.

Despite struggles on the field and within the organization, Bortles bank account is still doing quite well.  Blake Bortles net worth will continue to increase over the next two seasons.  Even though Black Bortles net worth currently sits at $8 million, we expect it to more than double over the next two years to $18 million.  If he is able to produce over the next season or two, he could be rewarded with a mega contract that could be worth in excess of $100 million.

Blake is the eldest of two children from his parents Rob and Suzy Bortles and has a younger brother, Colby, who played baseball for Ole Miss and was recently drafted by the Detroit Tigers.