Has the gold bubble burst?

Fresh fears that the “safe haven” aspect of gold investing could be over hit investors last week with the news as “large institutions” began selling off their gold as February came to an end.
Commentators and financial advisors (as reported by a blogger for The Telegraph) think gold prices have started a downward trend and will eventually dip to around $1,000 per ounce.
This caused gold to dip in price by $100 in less than a day.

Key figures such as Brian Dennehy from Dennehy Weller speculate that there could be a final spike in gold prices and then a “large correction” in the gold price will begin, taking gold down to $1,000 an ounce. He thinks gold could even get as low as $700 an ounce.

Hope for gold prices

Of course, with every financial commentator saying that gold will fall, there is a bullion seller to say that no, the gold market is not over and that any dips in price are only temporary.

Ben Yearsley at Hargreaves Lansdowne says: “The gold price has remained high and gold shares haven’t really moved; therefore the disconnect between their profits and share prices remains.
“The world is still in an uncertain place; therefore the demand for gold will remain strong, underpinning the gold price and underpinning gold miners’ profits. So the outlook for gold shares remains good.”

Sell your gold while you can still profit

So who is right? Is Yearsley right with his optimistic view or is Dennehy right when saying that the boom is over for gold? Whoever is right, the message to investors seems to be very clear: sell, sell and sell some more.

If gold is booming, then selling makes sense; if only to avoid the dramatic fall in price that occurred last September. If gold is about to dip dramatically then the same rule applies. In this financial climate it does not make sense to hold onto a valuable, profitable commodity that changes in price daily.

How to get the best price for gold

Who knows if cash for gold prices will drop suddenly? Current market indications and subsequent research indicate that such a dip could happen. However, with the financial problems of the world still unresolved, gold could still climb back up to that $2,000 per ounce figure or even higher.

If you’re uncertain, and wish to still get a great price for your jewellery, the onus is on you to take control and sell gold now. Don’t wait for the market to change suddenly; which could leave you out of pocket.

Use our excellent gold price comparison service to find the best gold buyers for you.

5 Ways to get the best Hospital Cover Quote

To get the best hospital coverage quote, you need to do some checking of different features. There are 5 great ways you can get the best deals and the coverage that you really need.

#1 Look Online at Sites

When you checkout sites online, you can quickly compare what different hospital coverage plans offers. You can submit your information to get no obligation quotes. You can also see information online that helps you to find out what other companies have to say about a given provider. You can get the pros and cons from those that have had to rely on their services. Make sure you read the fine print too on what they state they offer so that you don’t get mixed up with coverage that is lacking.

#2 Be Honest

Even though you don’t have to do a physical exam to get a hospital plan, you do need to be honest about the information you share. You need to declare any lifestyle choices that you take part in such as drinking or smoking. Be honest about your weight, your physical activity, diet, and any health concerns you may have. You also will be asked about your family history and you should be honest with that information based on the knowledge you currently have.

#3 What is your Budget for the Monthly Price?

You need to know what the amount is you can reasonably pay for each month with your hospital coverage. Try to get a dollar amount that is less than what you can afford to pay. That way you don’t get into a bind where you fall short. Never agree to a price that you can barely afford or that you know will be an ongoing struggle for you. Don’t say you can’t afford any coverage at all though. You need to make more money, cut expenses, and do what you have to so that money is free to pay for this coverage. It is too risky to be without it.

#4 Identify the Coverage you Need

Assess your needs and make sure what you pay for offers you the coverage you need. If the cost is too much, start taking out those coverage elements that are nice to have but not necessary. When you have more money to work with later on, you can increase the amount of coverage that you have. If you are married or you have children, look for coverage that has everyone included, not just you.

#5 Benefit from Discounts and Special Offers

Many of the providers out there are doing all they can to entice people to get their hospital coverage from them and not from a competitor. They offer discounts that allow you to get the coverage you need at a lower price. Look around for such offers so you can stretch the money you do have to pay for your coverage. You can find such offers online but most of them have an expiration date you need to be aware of.

How a Cell Phone Contract Works

You can get a lot of value out of a long-term cell phone contract. Long-term phone contracts provide more than simply a refreshment of minutes every month. Perks include being able to call other members for free who are in contract with the same carrier and free texting , depending on the carrier. In addition, a previously unaffordable cell phone can become affordable if purchased with a contract; it's a lot like the cell phone company is offering you a credit card to purchase the phone. Higher priced phones generally have better parts and are engineered better which allows them to last the duration of long contracts.

You typically do not get phone insurance with pay-as-you-go routes. Also, when you acquire a higher quality phone with more features with a long-term contract, you have a lot of extra time to experiment with extra features far beyond the bounds of the two to four week trial period. Phones are so complex these days that many people feel that trial period is not long enough.

Cell phone contracts also have the benefit of allowing users to track their call usage over a long period of time. This can be an essential component of the relationship between the cell phone company and a consumer who meticulously tracks their own usage to micromanage it. Viewing your usage history in a big picture view gives you the benefit to track such things as trends in your calling. For instance, if your usage becomes free at 7:00pm and you are making a lot of calls beginning at 6:45pm, you can try to train yourself to wait the extra 15 minutes. Long term contracts also provide you with the ability to see just how many text messages you are sending. If you happen to be going over your limit of text messages for the month, and there is no higher package for text messages, and you are finding that you have excess voice minutes remaining at the end of each month, you can opt to phone certain people you text message frequently instead of texting them.

Many people switch to cell phones from landlines. They can get the same reliability a landline provides while having the ability to use the phone wherever they go. It's a great option for those on the go, people on business trips, and for those who are in between homes. A lot of people begin with pay-as-you-go contracts when switching over to cell phones from a landline. This provides them with time to give cell phones a good trial before they commit to something longer term.

So, as you can see, a long-term contract offers a lot of perks that a pay-as-you-go arrangement may not. You typically have better phones to choose from, and added benefits written into the contract such as insurance and customer service over the phone. What's more is that you have statements with detailed phone usage to help you gauge how you should use the phone most wisely in the future. There are a plethora of advantages.

How to Lower Auto Insurance Costs

Is lowering auto insurance costs a move that is worth the effort? Fortunately, you can accomplish that in many ways. Following are some tips that can make you save more money in auto insurance:

Ask Someone to Evaluate You

Let your current provider of auto insurance know if you are satisfied with their services. They will go at lengths to make you stay with them and keep you happy. However, in some cases you may ask them to evaluate your premium anew. Let them know that your driving record is flawless, your credit has improved, and include more stuff that will make them understand that more changes are in order.

Let them know about current life changes too, such as marriage. That is a legitimate ground for evaluation. You can also include someone else in your policy. Making two separate policies won't make much sense when one will do, so it is recommended that you keep the policy that does the best work. There are also auto insurance providers that give married couples discounts.

A significant date, such as a birthday, can also be a good reason for evaluation. For example, insurance costs for 21-year-olds should be smaller than those for 19-year-olds. Having taken any driving lessons can also allow you to garner more discounts. Thus, never forget these events when you are being evaluated.

Go For a Greater Deductible

If you never needed to file an auto insurance claim for long, you will be noticed as a safe driver. Now, you can save money by making the deductible amount greater. The deductible is the money that you pay from your wallet when filing a claim. Though the deductible could be some hundred dollars more than its current amount, it is possible for you to save 15-30% on monthly premiums if you increase your deductible.

Devices that Analyze the Way you Drive

Many providers of car insurance place devices on vehicles of policyholders. The purpose of that is to examine the way you drive for a specified length of time, which could be at least 30 days. With that, you can save money as long as the reports indicate that speeding isn't your thing, you don't make sudden stops, and even if you do not seem like that you drive very long distances with your automobile. You can keep more money in your pocket if you drive 20 miles per day compared to if you drive 50 miles per day.

Snap Off Coverage for Roadside Assistance

In auto insurance, roadside assistance can sound like a brilliant idea. However, if your vehicle is working well, you will need it very, very rarely. So pull out the roadside assistance of your coverage so that you can save money. If you'll ever need help, a tow truck or many other roadside assistance services are only one mobile phone call away. It won't cost that much as you think, and every year, you will end up paying less for them than the amount that you pay for roadside assistance on your coverage.