US Gold Coins – What you should know

Various collectors and investors follow certain gold coins series from different countries. Public trade of gold coins takes place in New York, London, Sydney, Zurich and Hong Kong. So, US gold coins are not the only ones that are popular. However, gold coins minted in the US are of a higher quality due to which these are more sought after by investors.

In the United States, collectors actively pursue US gold coins because they are not as familiar with coins from other countries. Due to this, the price at which non-US gold coins are traded is often just a fraction of the price of US coins.

US Gold Coins: History
The United States issued its first series of gold coins in 1795. It was called the $5 half eagle. The value of the US dollar was set at 24 grains of gold by the US Mint. That value was set considering the universal price of the precious metal, which was $19.39 per troy ounce during those days.

US gold coins were issued by seven different mints in the country. These coins differed in size from one gold piece to fifty dollar denomination. The worth of the gold coins minted at that time was at par with their weight in gold. Till 1933, gold coins were used as a medium of exchange in the US. It was during the Great Depression that President Roosevelt forbade hoarding gold under Executive Order 6102 in 1933. Since then, the world stopped using gold coins as currency. The government melted million of coins into bars, with the result that US gold coins became a rare commodity. The restriction was later abolished in 1975.

Every US gold coin minted before 1933 is valued individually based on its make, rarity, grade and demand among collectors.

Some of the popular US gold coin series are

• Saint-Gaudens Double Eagle
• Indian Head Gold Piece
• Proof Gold Coinage
• Liberty Head Double Eagle

These are graded and certified by the Professional Coin Grading Service (PCGS) and the Numismatic Guaranty Corporation (NGC).

US Gold Coins: Where to Find Them
US gold coins are popular not only because they are rare, but also because they represent the history and art of the country.

How Does Gold's Value Change with the Stock Market?

There is a common misconception in the financial world that gold moves in the opposite direction of the stock market. This unfortunate interpretation of historical data produces a misleading image that often results in confusion and bewilderment among investors when the two markets periodically move in the same direction.

Negative Correlation or No Correlation?

In order for gold and the stock market to move in opposite directions, there would need to be a negative correlation between gold and stocks. There is no evidence that such a correlation exists and, if there was, and it was true that gold moved in the opposite direction of stocks, it would greatly reduce gold's value as an investment alternative.

If gold and the stock market were on the proverbial see-saw that a negative correlation necessarily implies, there would be no reason for long-term investors to invest in both. The proper decision would be for individuals to choose which ever one outperformed the other over the long-term.

Fortunately, individuals are not faced with such a dilemma.

The fact of the matter is, gold is NOT negatively correlated to the stock market. Nor is it positively correlated to the stock market.

There is NO discernible correlation between gold and the stock market.

Gold: An Independent Asset

In other words, gold reacts independent of stocks, to economic and political factors and market events.

This makes gold the ideal diversifier for a portfolio of stocks. The reason for this is because of the unpredictable nature of world events.

When you get right down to it, consistently predicting near-term and medium-term movements in the stock market is just about impossible. No one has done so with any success to date and no one has developed any trading system that has done so over the long haul.

The same can be said of the gold market. No one has a crystal ball with which to predict the movements in gold either.

Likewise, no one can predict with certainty the timing and nature of the next economic crisis or perhaps the next terrorist attack. All of these kinds of factors impact the financial markets—including the stock market and gold market—and thus need to be accounted for.

Gold: Protection Against Inevitable Uncertainty

The best way to protect your portfolio against unpredictable events in the financial markets, the economy and the geopolitical arena is to diversify as completely as possible. This means not just diversifying across industry by selecting stocks of companies which are engaged in varying lines of business, it means diversifying across asset classes. In addition to a diversified portfolio of stocks from a variety of industries, individuals absolutely must include gold in their portfolio.

Why?

Because gold has no correlation with the stock market. The best way to achieve the stability of your portfolio is to include an asset that is as unpredictable vis a vis stocks as the very events which impact the stock market.

We know from history that gold will not react in the same way as the stock market to crisis, hyperinflation, depression, and other turmoil. This is what makes gold so vital for all people.

No one knows what to expect next from the financial world. One day the stock market is doing just fine and the next a storied name like Merrill Lynch is being bailed out in a deal put together by the Feds. One day the world is calm and the next a 23 year old tries to blow up an airliner over Detroit.

We can't change the unpredictability of future events and the stock market's reaction to those events, but there is something we can do to help protect our wealth from the fallout, and that is to own gold.

ITM Trading offers expert advice on buying St. Gaudens and other rare gold coins.

Top 5 Solutions to Problems with HOA Boards

So, you have a problem with your home owner association (HOA) or its board members. The general rule which seems to apply to most people's feelings as it relates to HOAs are follow the rules or its time to move. What happens when you feel your HOA has outdated policies or you have been treated unfairly? The following at 10 things you can do for solutions with your HOA board.

You do have to keep in mind that you singed a contract as it states with your home owner association so these solutions don't work if you simply are made you can't have a gazebo in your backyard. Those issues and others like it are policies that you would need to have your board members approve. The solutions we are mentioning below are for when you feel that the HOA has acted capricious or in a vindictive manner.

5 Solutions to Problems with HOA Board

1. If you read newspaper columns for advice they will tell you to work it out with your HOA board members. You do have to keep in mind that these columns are typically written by lawyers who represent HOA boards so they are not the best source of info for the home owner themselves. It is still important to attempt to work any issues out directly before taking further course of action.

2. You need to know your bylaws. If you want a state official to help you solve your issue you need to know exactly what you are talking about. Many people don't get far with their cases against HOA boards as their information is filled with emotion more than facts on how HOA bylaws were broken.

3. If there are board members who are apathetic to your situation you can use them to hold special meetings and replace vindictive board of directors. It is important that all policies on these proceedings are followed for them to work.

4. You need to keep all documentation with correspondences between you and the HOA or the HOA's attorneys. You want to get to proof of your violations though you have to realize you will also need proof of your innocence. Just as you want the HOA to have all the documentation, so will you if you are to win your case. If you ever need your own lawyer, the lawyer will need proof to be able to defend your interest.

5. Most issues with home owner associations are consistent courses of action that are in violation or patterns of now working with home owners. You can recommend professional community services take over your HOA's management services which is usually better for both the HOA board members themselves and the individual home owners. Professional community management services are experts in how to handle home owner concerns so that both parties understand and win in the end.

Parker Finch is a professional community management company offering services for HOA board members in Arizona, Colorado, and Nevada.

What is the Market Prices of Gold Per Ounce

The market price of an ounce of gold is most commonly expressed in the "spot price" of gold.

The spot price of gold is the price of a troy ounce of gold. The spot price is the price a buyer should expect to pay for an ounce of gold for immediate delivery.

It should be noted that individual buyers cannot generally obtain gold at the spot price. This is because gold is available to buyers in various forms, such as coins and bars, which require fabrication and transport. The added cost of fabrication and transport, plus mark ups for dealer profits result in a price greater than the spot price.

The spot price of gold is available to idividuals in a wide variety of media. It has been quoted in newspapers, from The Wall Street Journal to your local business section, each day for decades. It is reported on various business television news networks, such as Bloomberg, CNBC and Fox Business Channel. The spot price is also reported occasionally on radio news programs.

And, of course, the price of gold is available from many sources on the internet, including ITM Trading's web site at ITMTrading.com. ITM Trading provides free current price indications for Gold, Silver, Platinum and Palladium. In addition to current price indications, ITM Trading shows the change from the previous New York market close and the Afternoon London market "fix" ("PM Fix).

Note that the gold market never sleeps. Gold is truly a currency without a country in that it trades somewhere 24 hours per day, 7 days per week. Active gold markets exist in Chicago, New York, London, Zurich, Istanbul, Dubai, Mumbai, Hong Kong, Shanghai, Tokyo, Sydney and elsewhere. Gold is usually priced in US dollars in most quotes published in the media, but it is often quoted in the local currency in these various locales and, due to changes in the relative value of international currencies, the value, and even direction of movement, of the price of gold can vary from locale to locale.

For instance, during the "Asian Contagion" of 1997-98, the price of gold in many Asian currencies rose sharply, even while it hit multiyear lows in terms of the US dollar.

Still, for most Americans, the spot price of gold expressed in US dollars is the ideal gauge of activity in the gold market.

At this point, one might be wondering about the "PM Fix," sometimes referred to as the "London fix."

London has historically been one of the world's financial centers of gravity. This was especially true of the gold market during the height of the British Empire. Not only did the sun never set on the British Empire, but the sun never set on the gold market either.

For that reason, the price of gold in London has always been an important benchmark for the gold market. Starting way back in 1919, the five major members of the London gold exchange met to settle the price of gold at the open and close of the market.

The fixing was suspended between 1939 and 1954 due to World War II and post-war government controls on the price of gold as a result of the Bretton Woods agreement.

Even today, the price of gold is fixed in London at the open of the market (AM Fix) and the close of the market (PM Fix) by the five largest members of the London Bullion Market Association (LBMA). Those members are Scotia-Mocatta, Barclays, Deutsche Bank, HSBC and Societe Generale. This London fixing is still the primary guide off of which the other gold markets around the world guide.

ITM Trading has years of experience in the rare gold coins market plus leading news on how to buy gold coins.

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Stop Gaining Fat by Zero Carb Cravings

Do you ever find that you're feeling really hungry and craving sugary food? If there's anything sweet in sight, you just can't control yourself. That piece of cake just looks so good. It's because of feelings like these that some people think that carbohydrates aren't good for them. They think that the key to losing weight is to avoid carbs. But actually, Americans have gotten fatter since low carb diets came on the scene. Today, over 60% of Americans are overweight or obese.

If you find yourself craving carbs it doesn't mean that carbs are bad for you. Cravings are our body's way of telling us that it's missing something. In Americans, the cravings are often associated with one of two things: the American custom of eating three meals a day, or low calorie diets.

If you eat three large meals a day, you're probably eating more at each meal than your body can handle. Even if you're eating nutritious foods like fresh fruit and vegetables, cereals or lean meat, if you give your body more calories than it can use at the time they will be stored as fat.

When you eat, your body releases insulin to process the sugars in your bloodstream. Any sugar that isn't required at the time is stored in your fat cells. Once the insulin is released, it keeps on doing its job until all the sugar has been processed. At this stage, the levels of both sugar and insulin in your blood will be very low. If this happens, you can be left feeling tired and irritable. This is why, if you have a large lunch and then don't have another meal until that night, you start feeling hungry around mid-afternoon.

This mid-afternoon hunger and tiredness is your body telling you that it needs more fuel to keep it functioning. Remember, there's no sugar in your bloodstream at this stage because the insulin has already processed it all and sent it to your fat cells. So you start to crave foods with lots of sugar because this is what your body desperately needs. If you give in to your cravings, your body then releases lots of insulin again to process the sugars and the cycle of highs and lows of blood sugar continues.

Maybe you managed not to give in to your cravings and didn't have anything to eat between lunch and dinner. Your body still needed energy so where did it come from? If there's no other source, your body will convert muscle tissue to sugar to use as energy. The end result of this is that your metabolism will become slower. Your body will become accustomed to burning fewer calories and you will build up more fat. This is what happens if you are on a low calorie diet.

So back to the two reasons you crave carbs that were mentioned earlier. If you're eating just three meals a day you are constantly putting your body through a series of sugar and insulin peaks and troughs and not providing it with a constant supply of fuel to convert to energy. And if you're on a low calorie diet, you're forcing it to find fuel from your muscles and slowing your metabolism.

So what's the solution? If you eat more regularly and have five small, nutritious meals throughout the day, you will keep up the fuel supply to your body. You won't go through periods of hypoglycaemia (which is when you have used all the sugar in your bloodstream) and you won't need to draw on your muscles to provide the sugar you need. Once you get into the habit of eating this way, you'll find that your cravings for carbs are a thing of the past.

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What Happens When You Get Too Little Protein in Your Diet

Proteins are composed of long chain like forms of amino acids. Amino acids are basic and fundamental to life. As a chemical compound, it is made of amine and carbonyl functional groups. To put it simply, they are made of carbon, hydrogen, oxygen and nitrogen and on some rare occasions, sulfur. These four or five materials build themselves into various chain-like structures and form different types of protein. Protein is the life line of human health.

Human cells, muscle tissue, and the organs of the body are made up of protein. Long chains of amino acids are structured to make different types of proteins. There are 22 types of amino acids and the human body needs all of them to be healthy.

Different types of proteins in our body execute different body functions. Our body's strength, its flexibility and elasticity are taken care of by a protein called collagen, and our hair and skin are composed of the same protein.

Proteins we consume through food are broken down into amino acids in the process of digestion and absorbed by the body only to be rebuilt into different types of proteins that are the requirement of the body. There are twenty two kinds of amino acids essential for the human body. And in that 14 are produced by the body and the remaining 8 are to be obtained though food.

Complete and incomplete Proteins

A protein that can be obtained through one food source like a meat or dairy product is called a complete protein. A complete protein is obtained generally though meat, diary products, eggs, fish and poultry. Vegetables, fruits and nuts do not contain all the essential proteins in one food items and so it is termed as incomplete.

Importance of Proteins

For proper growth, sustenance and repair of body cells, for the health of muscles, tissues, organs and for body function like metabolism, digestion, transportation of nutrients and oxygen through blood circulation, proteins are imperative.

Apart from that more importantly for the production of antibodies, or in other words, antibodies are little soldiers who fight any infection that invades into our body and fights diseases and makes us healthy. The healthy skin and shining hair of which we are proud of is due to the proteins.

Too little Protein means ill health

Like our grand mothers say often, 'anything too much or too little is harmful' is absolute truth in case of protein. Too much protein intake leads to many uncomfortable physical complications just as too little of protein intake can lead to complications.

Protein is needed to repair and create new cells, tissues, hormones, enzymes and muscles and lack of protein would impair these important body functions leading to grave situations. Many foods which supply protein do contain certain other minerals and vitamins like iron, a lack of which creates an eternal tiredness and fatigue. The person who lacks iron feels weak and becomes listless with lack of energy.

Physical activities consume protein daily, and so it is essential to give regular supply of protein to the body daily. And too little protein can cause severe skin ailments and would make you look lusterless and pale.

Children need a lot of protein as they are in the phase of growing and insufficient protein in children hampers their growth very much.

For a period of time if the body fails to get sufficient amount of protein through food, it starts breaking the muscles which contain large amount of protein to fulfill its need. This means eroding of the muscle and it is generally known as muscle wasting. And prolonged such situation leads to a vicious cycle of protein energy malnutrition where in when the body does not get any other source of energy, body's muscles and organs a re broken down for energy. The digestive system suffers with the loss of cell lining which is important for absorption of nutrients from the digested food. Thus a vicious cycle of poor diet and insufficient absorption of nutrients from food lead to severe body wasting.

So, too little protein intake is dangerous and very harmful to health.

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