Gold is often used as an alternative to traditional investments because of its relative stability during challenging economic times. When problems arise in the economy or when stocks go down, people turn to gold for their portfolio diversification. Gold is also less risky than other investments because it can’t be devalued by governments going bankrupt or stock market crashes. However, while investments in physical gold may make sense during volatile economic periods, they can also expose you if you ignore how much time has passed since you purchased your bullion.

Gold IRA As An Investment

1. Physical Gold Gold is a hard asset that holds its value well. If you have gold in your portfolio, you have protection against market downturns. However, because it is difficult to liquidate and there are high costs associated with the sale, it’s not always a good idea to keep all your investment holdings in gold. It can be helpful to have some exposure to gold, but it can also make sense to spread your risks into other viable investments. A company like Gold Alliance Capital can definitely be a major help with this. Go checkout this Gold Alliance Capital review if you want to get some additional information.

2. Paper Gold Investing in gold through an exchange-traded fund (ETF) or mutual fund is perfectly acceptable. Some people enjoy having gold physically in their possession, but investing in paper gold is usually more cost-effective. It’s also highly advisable to diversify your portfolio to have a wide range of investment choices at your disposal.

3. Long-Term Strategy Although many investors like gold as an investment, there are some potential problems with owning bullion today. For example, rising prices can make it very difficult to liquidate your holdings if your market conditions become unfavorable and you need the money. You could also face issues if you must liquidate your holdings and take a loss because of fluctuating prices.

4. Short-Term Strategy When you invest in gold, you are not doing so for a short time. It would help if you were willing to invest for the long-term, even though you may have to deal with some fluctuations over time. While gold can be a significant investment, it’s essential not to emphasize it when it comes to your entire portfolio. Gold can make sense as part of your overall investment strategy because it is something tangible that other people will also recognize and value.

5. Trading Gold When you sell gold over short periods, it can lead to inconsistent results. If you are dealing with a volatile market, then you could end up making bad choices when it comes to your overall portfolio. It’s also important to consider the costs of holding gold versus other asset classes that might be more predictable over time.

6. Portfolio Diversification If you will have gold in your investment portfolio, then it only makes sense to have other assets as well. Many traditional investment options make perfect sense for most people, and gold is usually just one piece of the puzzle for any given portfolio. While gold can provide an essential layer of insurance, it’s difficult to predict how the markets will move over time, so you should find other less understood investments that can shift with the market as well.

7. Volatility The price of gold can be very volatile, which can negatively impact your overall portfolio. You should be concerned about the risk that your portfolio has, and if you are heavily invested in an asset that goes down sharply in value, then you could face severe consequences over the long term.
8. Tax Consequences When you purchase gold, you will have to pay taxes because it is a tangible commodity. Your income tax rate depends on when you purchased your bullion and how much of your holdings are physical versus how much paper is.

9. Bullion Card Some bullion dealers offer a debit card where you can use gold to make purchases if necessary. However, you should be aware that these credit cards are generally not covered by the FDIC and charge a small fee for their services. It’s an excellent idea to always pay with cash and have some other means of storing your gold.

10. Mobile Applications Some mobile applications and iPhone apps allow you to purchase gold directly using your cell phone. However, such applications are not regulated by any government bodies, and they are more likely to be scammed than a legitimate way of investing in physical gold. It would help if you never used such applications unless you fully understand their risks before signing up for access.





Gold has been a valuable investment for thousands of years. Today, gold is still helpful in your portfolio because it is hard to destroy, impossible to counterfeit, and can be used anonymously when you want to buy or sell it. Gold is also a very stable investment with a slight chance of losing its value over time compared with other investments. However, when you sell gold, you may find some tax consequences if you don’t do so correctly and follow all the rules that apply to your situation. If you want to invest in gold, the best approach is to stick with physical bullion from reputable sellers that are easy to convert into cash if you need that option one day.

Today, there is high sensitization on the need to eat healthy foods in a bid to prevent lifestyle diseases. Unfortunately, despite nutritionists and doctors advising on the need to eat healthy foods, the modern jobs and activities make it difficult to get all the nutrition that your body needs to grow and function properly from diets. In an attempt to compensate for the deficit, people are opting to include supplements as part of their daily diets. One of the super foods that are rapidly gaining popularity is the whey protein powder. Protein is highly valuable in the body as it offers many health benefits. Unfortunately, researchers have found that some protein sources such as processed meat can actually do more damage to your health than good.

Studies have also shown that whey is a major source of the best protein. The best organic whey protein powder provides you with many benefits and valuable nutrients that range from immunoglobulins to conjugated linoleic acid, cystine and lactoferrin. Protein plays an important role in ensuring good health and disease prevention. Quality protein is used by the body to build organs, muscles, hair, bones and to support a range of body processes that keep your body functioning properly. Proteins take part in a number of processes that range from nutrient distribution, power digestion, immunity system, cellular communication and many more life-giving functions. Therefore, it is important to ensure that you are getting adequate high-quality protein.

Although whey protein powder products come in many brands and options, choosing the best quality powder will ensure that you are not only getting adequate protein but also many benefits that come with top brands. Depending on your preferences, you can choose to take whey protein powder in a shake or smoothie. Shakes are easy to make as you only need to add liquid, your whey protein powder and any other ingredient that you would like to include as an accompaniment. Smoothies have also become popular in recent years as they offer the benefit of fiber unlike juicing. Nevertheless, as long as your whey protein powder is of high quality, you can be assured that you are getting adequate protein irrespective of how you choose to take it.

The Top Reasons why you should take organic whey protein powder

If you are looking to burn fat, boost your immune system, build muscles and prevent diseases, taking the best organic  protein powder can help you live a longer healthy life. Protein from Whey is more absorb-able, which makes it ideal for everyone interested in protein supplements. It is available in three types that include protein concentrate, whey hydro isolates, and whey isolates. Whey concentrates contain low levels of fat and cholesterol but higher levels of bio-active compounds while isolates do not contain fat and have low bio-activated compounds. The Hydro-isolates are less allergenic but they are the most expensive.

Another reason why whey protein is popular is that it contains about 80 to 90 percent protein, which is higher than what you will get from other protein sources such as eggs, lean red meat, and chicken among others. This means that the high percentage allows your body to build muscles, boost strength and recover quickly after a workout. Furthermore, taking whey protein is the most efficient way you can add protein without gaining extra calories from fat and carbohydrates. Another benefit you will get from the best organic protein powder is reduced cravings. Studies have shown that whey protein can help to diminish cravings without spiking blood sugar by affecting the Ghrelin and Leptin hormones.

Whey protein can also help you lose weight by encouraging your body to burn fat as well as by diminishing cravings and thus, reduce the likeliness of over eating. The powder also acts as a nutritional booster by providing many benefits that include higher CLA, a boost in Omega-3 fatty acids and greater nutritional ability. By providing omega-3 fatty acids, the powder acts as an anti-inflammatory agent, which means that you will have less chance of experiencing stress. Whey protein can also lower blood pressure, reduce inflammation, and enhance body’s antioxidant defenses.

Conclusion

When choosing the organic whey protein powder, it is important to look at the available ingredients. The best whey supplement should only contain high-quality ingredients. It is also important to consider how the ingredients are processed. How ingredients are prepared can affect the amount of protein you will get when you consume the product. Super foods that are prepared with chemicals and high-temperature sources usually have lower amounts of proteins than products that are prepared as naturally as possible.

An old, worn-out mattress can leave you tossing and turning all night long. Typically, individuals do not give their mattress a lot of thought and may not even associate them with the poor sleep quality they are experiencing. Unless a mattress pops a spring or otherwise breaks, the majority of people will keep using it even way after its replacement date. This could end up having a negative impact on your sleep quality and your overall health.

While a good mattress like nectar, can provide you with years of quality sleep, no magic number is there as to exactly how many. Manufacturers typically make recommendations for a mattress to be replaced every eight years; however, there are other experts who have suggested that a well-cared mattress could last for 10 years. This does not apply to individuals over the age of 40 though. At that age, the body is less tolerant of pressure and a new mattress is required every 5 to 7 years. The comfort level of the new mattress you buy will depend on factors like sleep positions, personal preferences, medical issues and heat retention properties. For further details and great savings on a wide selection of mattresses, please visit http://nectarmattresscoupons.com.

Factors to Consider When Determining Whether to Buy a New Mattress

If your current mattress is 15 years or older, you should consider buying a new mattress. When buying a mattress, personal preference is a key component of the process. Even though there are individuals who prefer a firmer mattress to support their back, there are others who prefer a softer surface.

When shopping for a new mattress, try out a variety of them in the showroom of the store and ensure the one you choose has a good return policy. A high price tag is not an automatic indication of a high-quality mattress. Therefore, it is important to go for the one that feels most relaxing to you.

Hidden Mattress Menaces

An individual spends approximately one-third of his or her life in bed. As such, mattresses accumulate tons of body oils and dead skin over time. Dust mites are attracted to these things and studies have revealed that a typical old mattress could be filled with up to 10 million of these microscopic nuisances.
This is quite a revolting reality but mercifully dust mites are invisible and most individuals seem to co-exist with than without experiencing any adverse effects. However, individuals who have allergy problems could be negatively affected if they sleep on excessively old mattresses. Dust mites can cause allergic reactions like sinus pressure, runny nose, sneezing, watery eyes, itchiness, and coughing.

It could get even worse for individuals afflicted with asthma and other respiratory diseases. They could experience chest tightness, breathing difficulties and trouble falling asleep. It should be noted that even newly-acquired mattresses start to accumulate dust mites after a few months. Below are some steps you can take to keep your mattress as free of dust mites as possible:

• Vacuum often with a device that has a HEPA filter. This will get rid of dust from upholstered furniture and carpeting
• Use tightly-woven, allergen-proof bedding
• Avoid bedding that is challenging to wash as it is essential for bedcovers to be washed thoroughly and frequently; one time a week, in hot water is the ideal

Back Pain

The older a mattress gets, the more worn out and saggy it becomes. So instead of a comfortable, flat surface to sleep on, old mattresses tend to create an uncomfortable surface with a hole in the middle. This results in heightened discomfort and prevalent sleep disruptions.

Additionally, chiropractors have noted that chronic back pain can result from sleeping on a sagging mattress. This could mean tossing, turning and overall restlessness throughout the night in a quest for a comfortable sleeping position. You could also wake up the following morning feeling sore all over your body. Over time, the resulting pain could make it more difficult to fall and stay asleep. This could create a brutal cycle of exhaustion and discomfort.

The Importance of Testing

Testing out your mattress is the best technique for telling which mattress will be the most suitable for you. If you are shopping in a store, ensure you spend at least 20 minutes lying on the mattress. Do not forget to take your pillow along to help with closely replicating your actual sleeping environment.

Sleeping on a mattress for a full night or nights on end will provide an even better sense of the suitability of a mattress. Thankfully, there are a number of mattress manufacturers and bedding stores that offer sleep trial for up to 90 days. This will give you 3 months to determine whether the mattress is the right fit for you. If it is not, you can return it.

Drug testing has become part of almost every job employment requirement. While those who use drugs detest drug testing, studies have shown that drug testing benefits both the company and the employees. With the increasing use of drugs and alcohol among individuals, most companies find it necessary to carry out drug testing to help keep their workplace safe and productive. Studies have shown that the best employees want to work in an environment that is safe and productive. Unfortunately, drug use is considered the number one factor that contributes to unsafe and unproductive working place. Substance use comes with many problems that range from performance problems to poor attendance and absenteeism, attitude and physical appearance, and health and safety hazards among other domestic issues. If you need help passing your test, click here: http://testclearcoupon.com.

Employees who take drugs are more likely to experience difficulty in following instructions, inconsistent work quality, carelessness, increased mistakes, reduced productivity, consistent lack of concentration, erratic work pace, missed deadlines, poor judgment, and fatigue. Employees who use drugs are also more likely to miss work on Mondays and the day after holidays or paydays, unexplained disappearance from the job, frequent extended lunch breaks, frequent requests for early time off, excessive use of sick leave and poor attitude and physical appearance. It is a foregone conclusion that employees who use drugs are highly argumentative and confrontational with coworkers, sloppy, neglectful, paranoid, and lazy commonly resulting in increased accidents, disregard for the safety of others and reduced morale in the workplace.

What makes it necessary to drug test employees?

Although testing usually comes with an additional cost, business experts argue that it is more costly not to test an employee than it is to test. Nevertheless, companies drug test their employees to make the workplace environment safer for all. It is known that using drug affects ones judgment, which can result in injuries and deaths. To reduce the likeliness of injuries and deaths, companies make sure all employees and especially those who work in sensitive jobs such as operating machines, driving vehicles and handling chemicals are regularly tested. Other benefits of drug testing employees include increased cost savings due to reduced medical and health insurance costs, liability insurance costs and reduced medical bills.

Furthermore, companies that drug test employees during screening avoid the costly issues that come with hiring a drug abuser. On job drug testing helps the company to respond quickly to alcohol and other drug abuse before it can affect the productivity in the workplace. Other benefits include improved employee morale and productivity, greater employee awareness, decreased legal cost and decreased costs of hiring and training new employees.

How to pass drug testing

Drug testing is not only scary to drug users, but it also sends a chill to those who do not use drugs. While drug testing laboratories have greatly improved resulting in negligible cases of false positive results, you should realize that even some medical prescriptions can result in positive drug testing results. Therefore, it is very important to take the process seriously. If you are a drug abuser looking for the best drug treatment remedies to help you prepare for pre-employment testing, you should do your research. That said, passing a drug test is not very difficult as it only takes the right technique, the right science, and commitment.

Preparing for a drug test

A good drug test preparation will guarantee a drug test pass. You should give yourself as much time as possible before the test. The longer the time between the day you took the drug and the day of testing, the higher the chances of you passing the test. It does not matter the drug you have been using, if you stop taking well in advance, you can relax easily knowing that you will pass the test. Unfortunately, time is not always available at most drug tests occur a few days after you are notified of the need to take a drug test. In this case, you should stop taking the drug immediately and research more about the drug you have been taking as well as the type of drug test.

You must find out the duration the drug you have been taking stays in the system and evaluate whether it is possible to allow the drug leave the body naturally. For example, if the drug you have been taking stays in the body for 6 days and you have 14 days before a drug test, you should wait for the body to get rid of the toxins naturally. However, that also depends on the type of drug testing. Hair drug testing is complicated because it shows drugs taken in the last 90 days. If the time is not enough to allow your body get rid of the toxins naturally, you can find the best detox products at testclear.com.