Montreal Gold Investing Forum - Rollover IRAs

Gold • Precious Metals

How to Get Started Investing in Gold

July 13, 2021

Gold has been a tried-and-true investment option for those who want a safe alternative to traditional stocks and bonds. It has weathered unstable markets and unpredictable economic environments. For any investment portfolio, many financial experts suggest that gold should be a small part of it. It can be in the form of an exchange-trade fund or in futures.

So, what does it really take to invest in gold?

When you hear people say that they invested in gold, they probably mean they own it through one of these methods:

– physical gold coins or bars
– shares in a gold mine
– ETFs, or exchange-traded funds
– futures

Based on a report from the World Gold Council, the amount of gold that has been mined in this world is about 200,000 metric tons, with an approximate total worth of $11 trillion at current market prices.  Here we have outlined the basic ways that you can make a reliable gold investment.

What are the reasons to invest in gold?

The top reason for investing in gold is a way to protect your portfolio when the markets are unstable. However, gold prices can be affected by many factors, and prices do fluctuate even though people see gold as a safe haven for their money.

Whenever there is news about political and economic upheavals, the price of gold tends to go up because stock prices tend to suffer when the market is unstable.

Gold can also be used as a protection during inflation. When the price of consumer goods goes up, price of gold also goes up, thus boosting the value of your gold holdings. The worth of a dollar also declines during inflation. That means foreign investors take advantage of the weak dollar to purchase gold.

Gold is also used as a hedge against declining interest rates. When interest rates go down, government bonds are less attractive. That increases the appeal of gold investments as a safer haven. And unlike bonds, it does not pay out regularly to investors.

Gold investors monitor the movement of interest rates based on inflation trends and determine how it will affect prices.

How can you purchase physical gold?

You can purchase gold coins or bars, or bullions. These are sold by global dealers such as JM Bullion and AMPEX. You can place orders online through their websites.

The dealers have various gold products that they sell directly to consumers. They take measures to verify their gold products’ authenticity. They deal with the U.S. Mint, Perth Mint (https://www.perthmint.com/), the Royal Canadian Mint, and other such official agencies. The prices of the gold products are adjusted to the market price of gold. Recently, a gold coin that weighs one ounce costs around $1,500 to $1,900 because of the fluctuations in the gold market.

How to invest in gold funds

You can purchase gold ETFs, or exchange-traded funds. This has been a popular method for gold investors. You do not own the physical gold, but you own a fund that monitors gold prices. You can buy gold ETFs generally through your brokerage account.

The largest gold ETF is currently SPDR Gold Shares. When you purchase shares in this or other gold ETFs, you are purchasing part of a trust. The trust holds assets which are gold bars. So, the price of the ETF shares move with the gold prices. You also generally pay a yearly fee when you invest in ETFs.

Most of the larger gold ETFs own physical gold, but other gold ETFs can hold gold future contracts. This means their investors have the obligation to purchase gold at a specific price on a specific date. Other ETFs also utilize a mix of derivatives and debt in order to monitor the movement of gold prices.

How are gold options and futures traded?

Gold futures are legal agreements that offer buyers the obligation to buy or sell gold at a pre-determined price on a pre-determined date. Investors in gold futures speculate how gold price will move in the future. Gold mining businesses invest in futures as a protection from possible price declines in the future.

When the gold future contract expires, the investor usually is expected to take possession of a specific amount of physical gold. In order to avoid that obligation, a lot of gold investors will sell their contract before its expiration, then purchase a contract for a future month. This “rolling” approach keeps the investor from getting unfavorable returns. When gold futures expire, instead of physical gold, some contracts can be settled with cash.

Gold options are much like gold futures, but instead of being an obligation, the investor is given the choice of buying or selling gold at a future date at a specific price. Options and futures are actively traded everyday globally through brokerages like TD Ameritrade and Charles Schwab.

Investing in gold mining stocks

How about buying shares in a gold mine? Brokers sell shares in gold mining companies like Barrick Gold Corp. and Newmont Corp. Although the price of gold mining stocks move with the price of gold, these stock prices have more extreme fluctuations.

What this means is that when the market price of gold moves up or down, the gold mine stock prices go up faster but can also lose value very quickly. Some mutual funds and ETFs also include shares of gold mines, so you can invest that way.

All investments come with pros and cons, plus a level of risk. If you prefer not to own physical gold, you can consider purchasing stocks in a gold mining company. If you want protection against inflation, owning physical gold in the form of bullions, coins, or gold jewelry is an option. If your goal is to leverage gold to profit from potentially higher gold prices in the future, then investing in the futures market would be your approach. Just keep in mind that speculation always comes with a fair level of risk.…

web design

Professional Web Design: A Beginners Guide To Website Development

May 29, 2021

A Fresh Guide to the Basics of Web Design

web designer

Web design, or website design, is of the utmost of importance. If you want to find out why, then read on. We’ll explain to you what it is, why it’s important and what the top benefits of it are.

What Is It
In short, website design is exactly what it sounds like; The way a website is designed. This goes for everything from the way the site shows on an array of devices to the layout of colors to the actual placement of content, headers, text styles and images to name a few. There are dozens and dozens of aspects of  design and those are only a handful.

Why It’s Important
First, the overall design of a site is the first thing most visitors notice. In fact, subconsciously many visitors immediately judge a person’s website upon landing on it. For example, if you head over to a site, then you might become aggravated very quickly when you can’t find what you’re looking for and this could be down to poor design.

Second reason it’s important is because you don’t want your website to be an eyesore. The layout of your site can be perfect and so can the navigation functions. However, if the wrong colors are used and the wrong template is used, then your site could be an eyesore and send visitors running in the other direction.

Perhaps the main reason why’ site design is important is for functionality. When your site is designed properly, then it will function properly. One of the better design firms in the area is  Still Website Design.  They are able to make a site that looks good and functions great and that can play a major role in how successful a business will be.

The Benefits Of Good Web Design

There are dozens of benefits. We’ll discuss the top ones, which include:

1. Traffic- Increased traffic is one of the main benefits of website design. In fact, this is even more true in regards to mobile traffic because if your website appears on mobile devices and there’s no issues with it, such as lagging images or distorted content, then you won’t have to worry about mobile users leaving your site and never coming back. Plus, the search engines like websites that are mobile friendly and this plays a role in how well a site may rank in their search results.

2. Fast Pages– Second benefit of good design is the upload times of your web-pages. When your design is poor, then you can bet your pages won’t upload fast or they won’t upload at all, which is something you never want to happen. A quality design means your pages will upload quickly, which will keep your site’s visitors happy. It also provides users with a smooth and user-friendly experience.

3. Bounce Rates– The higher the bounce rate, the quicker your visitors are leaving. When the bounce rate is low, it means your site visitors are sticking around. There can be many reasons for a high bounce rate, but site design definitely plays a role in it. If you want to improve your site’s bounce rate, then make sure it is designed properly.

4. Better Conversions– All sites, or most of them want better conversions. Whether you’re selling something or you want to convert site visitors to email subscribers or social media followers, you need to entice them. Part of doing that includes making sure your site design is on point. With good web design, you might be surprised at how much your conversions will improve.

5. Great For SEO– Google, Yahoo, Bing and other search engines care about what sites look like and the chances are very slim that a site that has been designed poorly will rank well within their search results pages. If your site is mobile friendly and looks good in general, as well as is easy to navigate, then there’s a good chance your site will rank well. Bear in mind there are many other ranking factors, but site design is certainly one of them.

6. Appealing– Above all else, a top benefit of good website design is overall appeal. As mentioned several times, an appealing website can work wonders on a website, and this goes for all aspects of running a site. This includes the previously discussed benefits, as well as dozens of other benefits, including making more sales, attracting new visitors and improving the chances of people sharing your site via social media. The bottom line is you want your site to look as good as possible, and this means getting the design right.

Those are only six benefits of site design. The list could go on and on. However, those are among the top ones.

Are you ready to reap the benefits of good website design? If so, then hire a professional website designer because they will get everything right and work hard to get your site looking good. Just make sure you take the time to find a designer that is highly skilled and one you can trust.…

web design

What To Consider For Mobile Web Design

May 29, 2021

 

In this day and age, people are using their smartphones for more and more. While they are nice for making phone calls and texting, they are also very useful when it comes time to visit favorite websites. If you enjoy cruising the World Wide Web on your mobile device, you know just how important good mobile web design is. And if you are looking to create your own web site, making sure it is compatible with phones and tablets is very important. If you are looking to learn more about what you should consider when designing a website that is compatible with mobile devices, the following tips will come in handy.

First of all, you want a site that represents whatever you are building the website for. If you are creating a website for your business, your site should represent your business. This means that if your business is fun and colorful, make your site as fun and colorful as possible. Or, if your business is professional, you can make a site that is professional. Using colors, fonts, pictures, and text that represent you or your company will allow your visitors to get a good sense of who you. By creating a website that is representative of the site’s focus, your focus audience will be more drawn in by whatever it is that you have to offer.

Then, you want to make sure your website is user-friendly for mobile devices. Some of the things that are helpful to keep in mind while designing the site include the sizes of the files and pictures you include on the site. While you want to have a high quality site, you should make sure what you add do not take too long to open. Also, you want to make sure your site is easy to scroll through. Your target audience may want to move around on your website and see all that you have to offer. Make it easy for them. Another thing to consider is making the mobile site easy to navigate. Having a drop down menu that is easy to find will allow your visitors to easily look around your site to take advantage of all that you have to offer.

After you have worked on the web design for your mobile site, it is a good idea to test it. While you will want to play around with it, having others who are not familiar with the design navigate and look around the site will be quite helpful. Also, be sure to use a few different mobile devices to see how it looks and how it works on a variety of options. Those who test your site will be able to tell you what works well and what may need to be improved.

As you can see, you can create a great mobile website. When doing so, you will want to consider how you want your site to come across to visitors and make it user-friendly by having several test runs before releasing it.…

Responsive Design

What Is Responsive Design And How To Use It

December 3, 2019

The web is constantly evolving. We have undergone several major changes throughout its life. The design has changed, and the last change we are experiencing is one of the most important, take the web from the PC, and take it to all types of devices: mobile phones, tablets, glasses. Therefore to offer a good experience of use to the users, it is necessary to adapt to any means. The solution is born and is called Responsive Design.

What is Responsive Design?

It consists of adapting your website to any device. This is achieved by adapting the design of the page so that the resolution varies depending on the size, and the content is adapted to “fill” the screen.

To achieve this, a series of CSS techniques are used, and especially the use of media queries. These allow us according to the size of the screen, move, hide, change … the different modules of our website so that they are always adapted.

How to adapt your website to Responsive Design?

To adapt your website, you can start from scratch, but if you do not have a piece of good knowledge about it, it is advisable to use one of the many frameworks that exist for this. There are many examples, such as Bootstrap, Grid, Titan, etc.

If you do not want to use them because you have a project already built or you simply want to do it from scratch:

  • Fixed measures have died; you must use percentages at all times. All layers of your website should be percentage to the total of your container.
  • You can set absolute maximum measures with the max-width property and then give it a 100% width if you want a layer not to pass a certain size.
  • For the sources use measures in “em,” with this, you will get better adaptability in the different resolutions.
  • The images also give them a max-width: 100, so they will always be resized for any measure.
  • Use half-queries.

Advantages and disadvantages of responsive design

  • Adaptability to any device regardless of its size, which gives it better user experience.
  • You only have one URL system, so there will be no duplicate content issues.
  • For SEO, it is recommended by Google. With this, it is clear that it is the best solution to adapt your website if you need to position your website.
  • There is only one version to keep, if you update the web, you will only have to update a single version.

Disadvantages

  • If you have a website created, it may be difficult or almost impossible to adapt it to this technology.
  • One of the main hits that I see is performance. Today it is impossible to take one image or another depending on the resolution using these techniques only. To be able to do it, you have to use server programming or javascript or use the same image for all sizes. This would cause the mobile user to download the same images from a desktop version.
  • In older browsers, it does not work, as always, the main problem Internet Explorer.

…

montreal • SEO • web design

Building something new in Montreal

November 24, 2019

These are Montreal’s best burgers

Not very refined hamburger? Certainly not! But it is not difficult to go beyond, and very far, the level of a Macdonald or Quick (for the French). We can have pleasant surprises! Do not forget that burger is first and foremost a form of sandwich and that the quality of the ingredients counts for a lot.

For Europeans, you may be surprised to learn that many Quebecers cook burgers as a family! Whether on the grill or skillet, it’s a classic. Some do not hesitate to add a touch of fantasy: imagine a slab of lamb cooked on the grill, a generous portion of goat cheese, some mushrooms and homemade mayonnaise, all in a baker’s bun?

Here we will subdivide our winners into two categories: traditional hamburgers and fancy ones. By traditional, one understands the classic bread, patty of ground beef and cheese. By fantasy, we mean anything, as long as the shape of the burger is still present! Some restaurants can obviously be in both categories.

 …

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