UF Faculty Contract

Gold has been an excellent investment for the past decade, and it’s also been a good hedge against inflation. It’s also a superb crisis currency. In other words, if you had invested your savings in gold when the market crashed on September 11, 2001, you would have profited – not just preserve your capital. Furthermore, given the current global financial crisis and uncertainty in U.S. stock markets, it is not a bad idea to invest in gold at this time.

If you are interested in investing in gold, you should first decide how much you would like to support and what type of investment vehicle you want (whether it’s bullion or coins). The next step is determining where you would like to buy the gold, such as from an online dealer or a local coin shop.

Is Now A Good Time To Invest In Gold?

There are a couple of things to understand about investing in gold bullion. Namely, you have to make sure that the laws and regulations of your state or country allow for gold bullion investments. The application of tax is also an essential aspect of gold bullion investment.

The laws and regulations differ across the country and even within states. Some states have different rules regarding private ownership of gold bullion compared to the state-owned gold depository. Some conditions apply sales tax on privately held gold bullion but not on gold bullion in the state-owned repository. Some states do not require the application of tax.

If you have a 401k, it’s possible to rollover your 401k to gold. There is a website Move 401k To Gold that can help you learn about this.

There are also specific rules on how to report federally held gold bullion. For example, if you have more than five gold bars and coins, you have to say them in BIS-6104. However, if the value of your bullion is less than $1000, you don’t have to report them at all. Gold Bullion is a significant investment today, given the current global financial crisis and uncertainty in U.S. stock markets. However, it is essential to make sure you understand the rules and regulations of your state or country before investing in gold bullion.

There is also a lack of clarity on applying U.S. tax laws for gold bullion once the bar is removed from its storage facility or vault. Some states don’t have sales tax laws, and others have them (such as California).

In addition, specific rules and regulations may apply to the type of gold bullion you want to store (such as bars versus coins). In particular, it is essential to understand that only certain types of gold are held at the state-owned depository.

The first type is gold bullion in the form of bars. If you own rounds, they are under the restrictions of being stored privately (likely in a personal safe). The main issue with private ownership is that many large bullion-holding companies sell these rounds and bars to small investors. All the games and bars sold are delivered to the buyer in bulk, meaning the small investor has no idea what type of bars or rounds he buys. There is no way of knowing each bar or band’s purity and gold content.

The second type of gold bullion stored at the state-owned depository is bullion in the form of coins. Coins have a higher level of liquidity than bars and rounds, but they come with some unique considerations. For example, gold coins minted before 1933 come in at 90% or better purity. Any gold coin minted after 1933 has a purity of no more than 40%. The drop in purity is because the U.S. government gave itself a monopoly on gold as a hedge against inflation. It did this by removing it from circulation.

The last type of gold can be stored at the depository but is more complicated than private storage or storage at the state-owned hold. The rules are similar to when keeping privately, but it requires knowledge about the type of gold you have and filing particular IRS forms (such as IRS Form 899).

The other type of gold bullion is in the form of coins. These coins are not limited by quantity. If you purchase a bullion coin, if it matches a certain form number and does not exceed a certain weight, you can hold it privately without any problems.

On the other hand, if you want to hold bullion bars over 5, you must contact the state-owned depository for approval. The primary issue is that the bar cannot be returned once sold to a private holder.

Investing in gold bullion can be an intelligent financial decision. However, it is essential to understand the process and requirements of buying gold bullion. In particular, it is necessary to understand what types of gold can be held privately and which must be stored by a state-owned depository.

Overall, investing in gold bullion can be an excellent investment opportunity if you know where to purchase it and how to store it. If the global economy is worse, deciding to buy gold bullion is an excellent way to protect your financial future.

When you buy a car from a dealer or from a private individual, a number of things should be going through your mind. Is this car good value for money? Is it a stolen car which really belongs to someone else? Has any of the data been tampered with, such as mileage? With VinAudit, you will find out the history of a car such as whether it has been in an accident or registered as stolen.

Trustworthy Car History

VinAudit is an official NMVTIS access provider; that is the National Motor Vehicle Title Information Service. VinAudit, a private company in Kirkland, Washington, works with non-profits and the government to provide reliable data as to prior damage, unauthorized odometer adjustments, an open lien, or evidence of theft. They are able to check more than 60 brands of car (Ford, Toyota, Chevy, Nissan, etc.) to determine if a car has ever been so seriously damaged in an accident that it should never have been rebuilt for re-sale. If the odometer has been rolled back, you might see a mileage figure on the dash that sounds promising when, in fact, the car has been driven another 50,000 to 100,000 miles. Learn if the car was recently stolen for re-sale or was stolen a few years ago, perhaps to the person who sold you this car. Can you even name 30 car brands? VinAudit supplies an almost comprehensive list. Anything they are unable to check is probably too exotic or stopped rolling off the line 30 years ago.

Sources of Information

VinAudit receives details about cars from the government, from partners within the industry, and also from non-profits groups. The NMVTIS is also linked to numerous organizations providing information, including insurance agencies and salvage companies. They provide thousands of information sources and millions of records besides the ones VinAudit discovers independently.

The NICB (National Insurance Crime Bureau) provides data as does the National Highway Traffic Safety Administration (NHTSA). They will alert VinAudit to, among other things, vehicle recalls. The FMCSA or Federal Motor Carrier Safety Administration provides accident and inspection records. Other groups provide details to VinAudit as well to create as full a picture of a car’s history as possible. Many organizations are working to keep car drivers and passengers safe from faulty mechanics, unforeseen legal issues, and the results of tampering.

Clarifying Statistics

Is the fuel economy stated by the seller realistic? Is the tank size as claimed? Has this vehicle been involved in an accident? If a claim has been made, records will show details of the report. Scrap-metal, auction and salvage businesses share dates and records. Where there is a lien, this will be exposed along with the date and who holds the lien. An impounded or exported car leaves a trail of data as well. Something could be missed, but VinAudit covers a lot of bases which fill in as many holes as possible.

VinAudit Review

Even though this all sounds very official, VinAudit runs privately. They are actually competing with another major firm doing the same thing. In their view, the cost is lower when you use VinAudit. Before, when a major name was involved, customers paid for that name and the lack of competition. With this new firm to offer an alternative, you pay less for equivalent service; perhaps even better coverage than others can offer. Access to your account is unlimited. Read the details any time of the day, every day of the week, using your PC, laptop, or mobile phone.

The cost is extremely reasonable for a car dealership at $1 per report or $20 monthly. There appears to be no fee for an individual to immediately check data regarding a car he might want to buy. Read their blog to clarify, but there appears to be no cost involved if you are simply a consumer searching for a one-off car purchase.

Exciting Strategy

It’s a wonderful notion — that people who would defraud customers with fake information could be caught right here. Many, of course, will try to launder their crimes and at least remove themselves as far as possible from the car they stole before a legitimate purchaser comes along. When you discover a vehicle was wrecked and destined for a crusher before it was chosen by a shady mechanic to be rebuilt, you might have prevented being involved in an accident caused by an unsafe vehicle. If an accident occurs in one of these cars, safety ratings are severely reduced; consequences are probably going to be worse for everyone. Some criminals will be caught; tragedies can also be prevented.

You could be free about as far as far as your backyard, or your backyard could be the ticket to total liberty. Are readers of the Backyard Liberty survival plan destined to take off the chains of fear or preparing to load themselves with a burden?

The Real Burden

What will really weigh heavily with Alec Deacon’s predictions, written up in Backyard Liberty and his other texts online, is apocalyptic paranoia; of what “the end” will do to people and communities. There are many images of the apocalypse for reference from numerous sources. Religious ones indicate a war far more devastating than even WWII. Movies tell us there will be zombies or everyone will need a gun. Some books point to starvation, burying small children due to minor illness, and to all manner of horrors. Did your family emigrate from a communist revolution or share stories of life before modern medicine, in the early 19th Century for example? If so, you might have some picture of what food and medicine shortages look like and how easy it is for illness to result from hunger; for a toddler to succumb to a flu which doctors today would fight with Tylenol and antibiotics.

Readers need only look to tragedies played out on a smaller scale such as natural disasters, wars, and the outbreak of Ebola. Watching the news and the internet reveals pictures of devastation from Syria, Haiti, and Liberia suggestive of apocalypse in a microcosm. Nations could succumb due to the release of a disease. They might turn on each other in a religious battle. An economic crash could lead to neighbors turning on each other and mass bloodshed. Alec Deacon thinks the end is looming and has already started. He has evidence.

Food Shortages

Deacon uses before-and-after shots of certain iconic foods to show readers that food might cost the same, even slightly more, but you get slightly less for the same price. This is a sign that America is trying to hide a massive shortage of food, one which scientists have been predicting for years. How can a world that continues to build big houses on fertile land manage to grow or raise enough food for their people? In some ways, the evidence is impossible to deny.

On the other hand, most Americans are overweight — about 2/3rds. Is there really a food shortage? Deacon’s examples are not very convincing. He uses processed cheese, sugar-laden peanut butter, Twinkies, and potato chips to make his point. One could as easily argue that America’s health agencies have teamed up with major brands of junk food to try and reduce consumers’ caloric intake in ways they don’t even notice.

Good Idea

In spite of the paranoia built into Alec Deacon’s ideas, he is on to a good thing. Check out a Backyard Liberty review. Maybe the idea took root in a lot of silliness, but good soil contains a lot of muck while still producing a healthy plant. Such is the case with Deacon’s aquaponics. This is a sensible plan for healthy living which the whole family can get involved with. There are several aspects to this system which almost anyone should approve of.

Idiot Proof

Anyone, apparently, can build the aquaponics system for a few hundred dollars and no soil. The system, sold online complete with DVD support, was written for people who would have no idea how or where to start. It’s cheap too. Deacon insisted the language be so simple a pre-teen could figure this thing out.

Little Water

Water shortages are real, especially in locations where one relies on a well. Watering restrictions come into effect during an average summer in many locations around the world due to drought. Aquaponics uses 1/10th the water normal gardening requires, but this water is routinely purified by plants. It’s the perfect way to emulate what takes place in the natural world.

Limited Space

Most Americans, many Canadians, and numerous individuals around the world are in possession of a postage-stamp-sized backyard or perhaps only a patio. This tiny amount of space has to suffice for all of their growing needs. There is no room to raise anything unnecessary, so consumers will be focusing on foods that are highly nutritious; healthy greens, for example. Aquaponics will be effective in this small space under certain conditions.

Conditions

Most states and provinces beyond the 49th parallel are too cold in winter to sustain any kind of growth outdoors. One must find room indoors or be able to freeze or dry food. If a reader can make it work, he doesn’t have to subscribe to Deacon’s survivalist fears.

Is there a shortage of skilled carpenters in your area? Perhaps you would love to see more local artisan shops selling homemade toys and knick-knacks made of wood? Anyone? That’s what I thought. If there are carpenters in the neighborhood, they are probably driving many miles to find jobs in locations all over the region, not just in the town where they live. It’s a tight economy. As for woodworking as a hobby that turns into a profitable market stall, the vendors at those stalls are either doing this for a bit of extra cash or because they love it. Market vendors have to do a lot of traveling and stand around for hours in all weathers to make any money at all. This is not a rich man’s game.

Wood Profits

Isn’t “Wood Profits” a great title, then? If carpenters can make a living, how can someone without the training and a mere DIY-style interest in tinkering with tools earn a living? Let’s consider logic here: if you were going to buy something made of wood, whom would you purchase it from? Probably a professional, or you can try to do it yourself!

On the Other Hand

There are reasons one might want to buy goods from a private guy working out of his home instead of an established person. There are a few scenarios which could benefit an enthusiast trying to start a business.

Experienced carpenters charge a fair bit of money, but you can undercut them. Carpenters also reject very small projects in favor of big ones that pay the mortgage. Casual carpenters, however, could handle these little jobs and also make things that are unique. In the market place, a number of consumers are avoiding import labels in favor of local stuff when they can find it. They do not ordinarily buy wooden items because they are made in India, Mexico, or China. Give them a “Made in America” promise and tourists might pounce on the chance to purchase souvenirs from your workshop.

In a good economy, excellent and even reasonable carpenters are very busy. They can’t always satisfy the need out there. With some help, an individual without official training could, in fact, turn a love of wood into a small profit. Where will that help come from?

Wood Profits

This is what the writer, Jim Morgan, calls the “woodworking bible.” Wood Profits is a reference for every aspect of running a business from carpentry. The text and audio, available online, includes plans for how to build dozens of projects with step-by-step instructions. Learn what tools and hardware you will need and the best sorts of wood to use for a structure or a box to hold trinkets.

Morgan’s “bible” contains legal documents and contracts; samples of what you might need in order to run a legitimate business. With these documents, wood working hobbyists can turn weekend projects into money-making adventures without offending the IRS. Issue receipts to customers so clients can make claims where appropriate.

Along with the basic plans there are “Premium Plans” for special projects, considered a “bonus,” but these come with Wood Profits as a standard feature, so I’m not sure what is a “bonus” about it unless Jim Morgan believes this extra piece makes the $37 cost especially great value.

Not for Beginners

Wood Profits is not for beginners, then why would anyone who picks this up be in need of all the advice about setting up a workshop? Presumably, a seasoned wood worker has all the tools he needs? Then again, the documents sound good. Morgan released his product a few years ago, and it’s still on the shelf. That is a good sign, but there are differing views.

Reviews

There is one single perspective on Morgan’s book; conclusive opinions that this reference is legitimate; and useful. The fact it’s still here, on the internet, is reassuring. If you type “earn money from wood working” or “wood working for money” into a search box. Many blogs and books are listed in the results for pages one and two, and some of them is Jim Morgan’s Wood Profits.

Who Is Wood Profits for?

Although the title implies the reader who applies these techniques is going to make money, I would argue that this really is for a hobbyist. Maybe the tools and tactics in here will lead to profit one day, but most people who know how to work with wood already run a business competently.

A regular exercise routine is not just a great way to stay fit and healthy as you get older; it is also a key part of any weight loss plan. If you are looking to shed a few pounds, you will, of course, have to make changes to the kind of foods you eat. But more importantly, you will need to start taking the right kind of exercise to target the areas of the body where most women see their excess fat — legs, bums, and tums.

Any exercise is good for your general health and well-being, but if your main aim is to lose weight, you need to be working specifically on burning fat and toning those troublesome areas around your middle.

Toned in 10 is a new exercise program which aims to do just that; focus on the areas that need the most attention when it comes to weight loss, and all in just ten minutes per day, five days per week. After all, most moms or working women — and especially those combining the two – don’t have the time or the energy to go to the gym for an hour a day to workout. Besides, those outdated ideas of cardio routines and lifting weights have now been replaced by new and innovative thinking in routines like Toned in Ten.

New Fitness Techniques for a New You

The creator of Toned in Ten, Erin Nielsen, has turned a lot of pre-conceived ideas about exercise and losing weight on their heads. She claims that if you put in the hard work and follow her Toned in Ten program, then ten minutes a day is all you will need to shift excess fat from your thighs, stomach and bottom, lose weight and get the toned, slimmer figure you’ve always wanted.

In fact, she goes even further, claiming that long cardio sessions in the gym are not only stopping us from effectively losing weight but are actually making it harder for some people to shift the weight they want to lose. Cardio is not an effective fat burning tool for several reasons, including that many people eat more after a tough cardio session, feeling that they have already burnt off the calories. Others who find cardio sessions difficult or dull may not be carrying them out at the required intensity level to actually have any fat burning effect.

There is also the increased risk of injury among those who do high impact cardio activities such as jogging, especially as women get older and joints and muscles become more prone to damage. Recent studies have even found that undertaking long cardio sessions can age the skin due to the release of potentially damaging free radicals after exercise.

Alternative Fitness from Toned in Ten

Following the Toned in Ten program and exercising instead in short but intense ten-minute bursts is a much more effective way to burn fat without any of the boredom of cardio sessions or the risk of skin damage from long periods of exercise in the gym. Toned in Ten is perfect for those who have done no exercise before and you can do it at home with no specialist gym equipment — ideal for those men and women who have to work or keep an eye on the kids and who can’t spare the time to go to the gym.

Toned in Ten’s effectiveness is linked to Excess Post-exercise Oxygen Consumption or EPOC. This is the amount of fat that your body burns even after you have finished exercising and is something that you don’t get from long cardio sessions. Intense bursts of exercise produce the best EPOC effects and studies have shown that the kind of workouts featured in the Toned in Ten program can continue burning fat for up to 38 hours after you finish exercising.

In addition, there is some evidence that Toned in Ten and the short, intense workouts it advocates can actually help the body produce more human growth hormone (HGH). Not only does HGH help the body to develop lean muscle and burn excess fat, but it can help you look and feel younger by reversing signs of aging such as skin damage; the very opposite effect to long cardio sessions in the gym.

Toned in Ten is a great way to exercise at home, at a time that’s convenient to you. For just 50 minutes of effort every week, you can see real benefits in terms of losing weight, burning off excess fat and toning your thigh and abdominal muscles for a slimmer figure. As with all exercise programs, you have to stick to the workouts and keep up with the exercise routines to see the benefit, but Toned in Ten really makes it easier to achieve your goals.