How To Choose A Gold Investment Company

If you have finally decided to put some money into the gold market, you may be wondering how to go about doing it. It can be scary to make the move to buy your first bullion products. A lot of gold investors think precious metal investment companies are a good option for them because they do not have to worry about storing physical gold or having to pay a lot of bank fees.

Choosing a top company is tough. You have companies like Patriot Gold Group, Goldco, Birch Gold, and many other high performing companies – so how do you choose?

Why is Gold a Good Investment?

Gold has been seen as a valuable and special commodity throughout history. Today, investing in gold is a way to hedge against deflation and inflation, and it can be a good way to diversify your financial portfolio. Unlike other investment types, gold is a type of physical asset that can be traded and stored.

When looking for a gold investment company to work with, there are certain qualities that you should look for.

1. Look at Their Investment Holdings

When comparing investment companies, look at their holdings. This will allow you to determine how many physical medals they have. Knowing how many of their holdings are in physical precious metals will allow you to determine how much of their holdings are not. Using this information, you can evaluate if a specific gold investment company will be a good fit for your investment guidelines and criteria.

2. Look at Their History

Look into a gold investment company’s past performance. You should want to determine how well they did in recent years for their clients. This will help you average out the company’s performance, and get a good idea of whether or not you would like to work with the company.

3. Evaluate the Fund Manager

Another tip is to examine closely the fund manager for a company you are interested in working with. This person is the one who makes the investment decisions, so you should be well aware of what they are doing. Ask about their experience and level of education when it comes to investing. The ideal company to work with will understand the market and help you make sound decisions for your portfolio needs.

4. Ask About the Fees

Before working with a gold investment company, ask about any costs or fees associated with their services. Depending on the country you are making your purchase in, the prices will differ. Keep in mind that just because prices are cheaper in a certain country, it does not mean that these are the best investments for your portfolio.

5. Evaluate the Risks

Some gold investment companies come with higher risks than other companies. Additionally, the value of advice will differ between companies as well. Keep an eye out for brokers or companies that receive commissions based on whether or not you invest. This should be avoided and is considered a conflict of interest.

6. Check Licensing

Any gold investment company you decide to work with should have the proper licenses and registrations to offer their services. This is not a problem with most public bank gold investments. Banks often have all of the necessary paperwork required by law. Proceed with caution if you decide to work with a newer investment company. They might not be legally able to offer investment services, and this can create problems for you in the long run.

7. Research Diligently

Each gold investment company you are interested in should be researched thoroughly. Due to the high cost of gold bullion in recent years, scams have become a regular occurrence. The more information you gather about each company, the better you will be able to decide how to invest your money. A good resource to use online is the Better Business Bureau. This website will help you find out if any company has complaints against them.

What Are the Risk of Investment?

What Are the Risk of Investment?

Investment often accompanies both minimal (treasury bonds, for instance) and imminent (as in the case of stocks and commodities). Economists often attribute investment risks to technical terminologies such as systemic and systematic factors. However, a seasonal investor understands that a profitable investment is one where the investor focuses more on risk mitigation. Furthermore, successful business people tie high-risk investments to good returns. Therefore, risk management is a critical aspect of a profitable business. Each asset, despite its nature, has its peril.

In this article, you will have a closer look at the most common risk that leads to money loss. This article will also inform you about the different risk management alternatives and how to apply them to your investment decisions.

What Are the Risk of Investment?

Type of Risk in Investment

Dividend Risk

This type of risk applies mainly to people who rely on stock dividends. However, dividend risk affects elder individuals during retirement. Once a company terminates dividends, its constituent stocks lose value. Moreover, investors will likely lose their stocks once a company completes the stock dividends.
Management tip: You can purchase a put option where the delta value remains high even when the stock price drops.

Political Risk

Have you ever heard of the significant drops and increases in oil prices?

Most investors are concerned with the prices of fuel. The prices are affected chiefly by political factors and government policies. When oil prices fluctuate, seasonal and permanent investors face significant investment perils. Both artificial and technical hazards cause the oil crisis, including terror attacks and commodity market problems. The South and North Korean conflict has affected world oil markets and yielded investors a plight in their investment journeys.

Management tip: The political risks are challenging and almost impossible to control. However, as an investor, you must stay informed of the socio-political status and take warnings seriously before an economic crisis strikes.

Business Risk

Most investors are familiar with this type of investment risk, given its popularity in companies earning reports. This type of investment risk happens when an aspect arises and impacts the company negatively, such that the investment loses value. Contributing factors of business risks are leadership changes, management fallouts, and product quality degradation.

Owning a company’s stocks is complicated and disappointing since you cannot forecast risks. It is difficult to control factors like natural disasters, floods, and fires. Nonetheless, the business risks lead to the loss of customers and a reduction in market penetration.

Risk Management Tip: Risk acceptance, transference, and avoidance are typical management practices. Before investing in a company, you must evaluate its business practices and history.

Call Risk

Call risk entails the danger that a bond lender will cash a callable bond before it matures. If a company repays the callable bond earlier, it will pay lesser interest rates without a loss on principle. However, if you are an investor who relies on coupon rates, you can encounter a significant loss of income on loss coupons due to call risk.

Management tip: Invest in non-callable bonds if you rely on coupons for monthly living expenses. Similarly, you can exchange your bond funds through a diversification model to enjoy solid returns.

What Are the Risk of Investment?

What to Do about Investment Risks

Any investment strategy presents the different risk types mentioned above. How you react and mitigate the risks determines how sizeable your investment rewards are. The tips provided above are suitable for the best performance. Likewise, they apply to both long-term and seasoned investments.
Below are common real-world risks you might face.

An underperforming portfolio

Long-term performance is every investor’s primary focus since short-term market trends are unpredictable. However, gauging long-term performance is nearly unattainable given the unpredictability of market changes annually. However, as a seasonal investor, you could;

  • Set realistic growth expectations with percentage benchmark expectations depending on stock exchange rates.
  • Following mitigation strategies for asset allocation by age.

By following the above tips, you dodge the risk of delaying your retirement due to an underperforming portfolio.

Getting overconfident

Overconfidence in strong markets is a limitation to continued success. When an investor trusts a strong demand inherently, they, at times, invest more than they should. Strong markets are not immune to the economic crisis. Thus as a seasonal or permanent investor, it is crucial to have a grounded investment strategy no matter how promising a market seems.

Losing Confidence

Little confidence is as damaging as overconfidence. As an investor, you should put your trust in the market recovery. However, plain hope is not quintessential to making an investment decision. Perfect investors rely on statistics and extensive research on market patterns before putting their hopes on recovery.

Thinking more of it, investors previously have faced a crisis like the oil crisis, technology bubbles, the covid-19 pandemic. Good investors take advantage of the crisis and make a fortune.

Why is Investing Skills Important?

Why is Investing Skills Important?

Regardless of what you think is the most important part of your financial life, your investment skills probably come in a close second. It’s no secret that things like budgeting and saving money can be near impossible if you don’t have a good handle on how to invest. But just what are these skills? And why should they be so important to you? Let this article answer those questions.

What Are Investment Skills?

Investment skill is any expertise someone might acquire or develop to help them make more informed investments. This can include anything from financial acumen and knowing how to identify liabilities to understanding how different types of investments work and being able to evaluate the risk-reward ratio of each type. An investment skill set includes each individual investment skill and their knowledge of general principles governing investing.

Below are reasons why having investing skills is important and necessary for you as a person, whether you’re young or old:

Why is Investing Skills Important?

Your Retirement Plan is Less Likely to Fail

The odds of your retirement plan failing drop significantly when you have some level of investment knowledge. You can at least figure out what investments are good for your situation and what time horizon you have in mind, which would help if something goes wrong.

You’ll Earn More Money

You can think of investing as an opportunity to get paid for doing nothing but understanding how it works and managing your finances well enough that it’s worth investing some of the money you earn from a job to grow it into even more wealth over time. This is especially true if you plan to stay in your job for a long time.

You’ll Have More Control Over Your Money

You’ll know exactly how much of your money is being invested, where it’s being invested, and when it should be shifted out of investments to make room for other things.

You’ll Be Able to Diversify

By diversifying investments throughout the year, you ensure you’re not losing everything, even if any particular investment tanks.


You have control over how much risk to take on when investing. If an investment has gone down in value but is still worth something, you can hold onto it until it recovers rather than selling out of the marketplace altogether.

Understanding the Risks Involved

Risk and opportunity go hand-in-hand in investing. You can never know what will work or what won’t, but you can make an educated guess. And that guess can be improved by understanding the risks involved.

Knowledge and Understanding

Being informed is a basic prerequisite to taking control of your finances. To gain control, there has to be awareness and understanding. Thus, understanding investment concepts are at the heart of controlling one’s financial affairs.

Being informed will help you identify opportunities for wealth creation and manage risk exposures. In other words, developing your investing skills is critical to creating the foundation for making the most of whatever circumstances you face.

Why is Investing Skills Important?

Managing Your Own Investments

There is a big difference between managing your own and having someone else manage your investments. Investing on your own means taking full responsibility for your financial situation, which means that only you are responsible for ensuring things turn out right. This is the way it should be.

Managing investments on your own means that you have to put in the time and effort to understand all of the investment choices available to you, how to find and analyze those opportunities, how to weigh potential risks and rewards based on your personal circumstances, and how to make a personal plan for achieving your financial goals.

Making Better Decisions

You will become better informed regarding what makes sense based on various factors (such as profit potential, risk, etc.) information that can lead you toward greater financial security.


You will never become financially unrestrained if you don’t take steps to take control of your finances today and empower yourself with skills that will endure most of your lifetime.

As you learn more and gain experience, you will make better decisions. This will, in turn, lead to better results over time. And that is precisely what it means to take control of your finances. The result of this investment is you, as a financially independent individual, are free from the shackles of financial slavery and the limitations often imposed on those who have not yet taken control of their finances.

More Time for Personal Development

You will have more time for personal development. Think about it. If you manage your own finances, you are unlikely to have time for a second job. A full-time job, however, might require a second job because the first one does not pay enough to cover your needs.

Better Communication with Your Future Self

You can be more honest and forthcoming with yourself about what you need to do to achieve a specific goal. And when it’s time for your future self to learn a new skill, you will already know what is required.

If you’re on the verge of saving money but have proven unsuccessful, it might be time to learn about investing skills. The basics are often free or very low cost, so there’s no reason not to give it a try.

What Investment is Highest Risk?

What Investment is Highest Risk?

What’s the highest-risk investment? There are many variables to consider in answering this question, but generally, the higher the potential return on an investment, the higher its associated risk. These variables include current market conditions and the future market potential for a given product or service. Here we will discuss the types of high-risk investments and what to look for when choosing a high-risk investment.

What is a High-Risk Investment?

It is an investment with a higher potential return but with increased loss. This means that the actual return will be higher if things go right, but if something goes wrong, you will lose everything. High-risk investments are highly speculative and do not always have a solid underlying value. They are venture capital investments and can be broken into four categories.

What Investment is Highest Risk?

Types of High-Risk Investments

The following are the four types of high-risk investments:

1. Cryptoassets

They are digital currencies such as bitcoin, ethereum, and ripple. They are not readily tradable and can be highly volatile. These currencies are also referred to as “alternative currencies.” The value of each coin is influenced by supply and demand and fluctuates wildly. As such, they are considered high-risk investments.

2. Land banking

This term describes purchasing real estate to invest in its projects. These projects are often initiated on behalf of other investors. One of the critical benefits of land banking is the possibility of making a profit even if the prices drop. However, it is essential to diversify and focus on one project.

3. Contracts for Differences

These types of investments are unlike stock market investments. CFDs are based on the price of an underlying asset rather than the price they are bought. CFDs are traded in a unique online trading platform that acts as a middleman between traders, who speculate on the underlying assets they invest. They are considered high-risk investments as an asset’s value is based on its market price, which is influenced by the economic conditions worldwide.

4. Mini-Bonds

These are fixed-rate investments based on the value of the U.S. Treasury bill (T-Bill). T-bills are issued by the U.S. government regularly and have a fixed interest rate. Mini bonds have an interest rate of 0.05% and a maturity date of 2 to 10 years. Mini-bonds are considered high-risk as there is no specific guarantee that they will be paid back on time, but they could yield more money.

What Investment is Highest Risk?

Characteristics of High-Risk Investments

The following are the characteristics of high-risk investments:

1. Short-term focus

High-risk investments are often short-term focused. This means that you invest your money in something with the intent to sell it within a specific time at a given price. In this case, you are betting on whether or not the price will rise during that period.

2. Volatility

High-risk investments are likely to be volatile. Volatility refers to the extent to which the asset value changes over time, or in other words, the fluctuations in value. It also means that its value can change drastically and quickly.

3. Higher Rate of Return

They also offer a higher rate of return than other investments. The higher rate of return is a result of the volatility. The larger the fluctuations in value, the greater your chance for a higher profit or loss.

4. Lower levels of liquidity

One of the main characteristics of high-risk investments is their lower level of liquidity. It is challenging to sell your products or securities quickly, as there is likely to be a significant price difference.

5. The Lack of Regulatory Protection

The lack of regulatory protection is another characteristic of high-risk investments. High-risk investments are not sold through brokers or stock exchanges like stocks and bonds but can be traded in a highly volatile market. You only get regulatory protection if the company goes bankrupt or somewhere else with your money. There is no mechanism to ensure you get your money back if something unexpected happens.

6. High Chance of Losing All Your Money

There is a high chance of losing all your money with a high-risk investment. For the risk to be worth it, you must make enough profit from the investment. Otherwise, there is no point in taking a risk at all.

7. The Loss Must Be Determinable and Measurable

Measuring precisely how much you will lose if the investment fails is essential. This is why high-risk investments often lack “structure” and the ability to be controlled. The underlying value of high-risk investments is only sometimes a tangible product or market entity, making them difficult for people to understand and trust.


High-risk investments are very profitable. However, they are also very risky. They are appropriate for experienced investors who know how to deal with risk and can fully understand the implications of their decisions to deal with risk. It is important to diversify when investing in high-risk investments. This will help you avoid losses if one of your investments fails.

What Are the 7 Rules of Investing?

What Are the 7 Rules of Investing?

Investing is the act of distributing resources to generate income. That’s why the world is filled with investors, brokers, and business moguls – the demand for financial products is enormous and will never end. Most people don’t invest effectively – nearly 80% of Americans believe that index funds are all they need to succeed in the stock market. This kind of thinking will fail because you’ll miss out on many opportunities that will increase your portfolio.

Here we’ve compiled a list of 7 rules for investing successfully.

Establish a Financial Plan Based on Your Goals

This requires financial literacy, and most people don’t have it. Their reasons for investing, future goals, and time horizons are vague at best. You need to become a financial planner for yourself, someone who can see your path toward financial security in the future. To understand how to invest and what strategies to take, you must establish a plan and primary goals.

What Are the 7 Rules of Investing?

Diversify Your Portfolio

Diversification is the most important rule of investing. It doesn’t only protect against extreme downsides, but it also helps you reduce risk and increase returns. Diversification lets you control your emotions by spreading your investments across different asset classes, countries and even asset types (like stocks, bonds, commodities and real estate), thereby providing more consistent returns over time. Even if you can invest a small amount, you must reduce your investment risk by spreading your investments among different types of assets and strategies.

Minimize Fees

Most financial advisors will tell you that fees are the most significant source of your investment losses. And that couldn’t be further from the truth. The most important risk to investors is that of being unable to cash out during a market correction or other low-return period, which can often lead to a loss of principal and reduced asset value. That’s a big hit to your wealth, and it’s one that you can always avoid by paying attention to the fees associated with your investments. A good rule of thumb is to pay only for what you need – don’t spend money on things you don’t need or will cost you.

Protect Against Losses

Investing is a form of gambling, so there’s always a chance you could lose money. This is why you should only invest in assets and funds where the risks are clear so that if an investment goes wrong, you can move on quickly. This also means that if your strategy isn’t working out as planned, it’s okay to change it up and experiment with something new. Investing is not about sticking with something until its expiration date – it’s about constant adaptation and adjustment to changing market conditions.

What Are the 7 Rules of Investing?

Start Saving Today

Time is one of the most important factors in investing. The earlier you start, the longer your investment has to grow. To be a successful investor, you need to start saving as early as possible and keep at it throughout your life. The idea here is that if you don’t stop putting things off, all your hard work will be wasted by not being able to reap the benefits of compound interest.

Invest For The Long Term

The best way to achieve large returns is through investing for the long term. A good rule of thumb is to invest in an asset if it’s likely to be around at least 5 years from now, even if the price rises or falls. That’s because it takes a while for things to happen in the market – with a long holding period, you’ll have time to get your profits. This is because there are two ways to make money in the market – by receiving dividends and selling high. When an investment goes wrong, the best thing to do is cut it out and make room for something else that performs better.

Avoid Unnecessary Risk

Risk is a part of investing; without it, you could never make any money. You should always try to reduce uncontrollable risk in your portfolio by trading only when necessary and not selling short-term winners.
Some investors take unnecessary risks to beat the market by taking more chances and putting more money into high-risk assets. But the truth is that you can still win the market without taking any risks. You can invest 100% in a mutual fund or ETF and still beat most active investors by focusing on low-cost products, diversification, rebalancing, and tax efficiency.


Investing is a process, one that requires a lot of work and discipline. To be successful in investing, you need to know your limits and what to spend money on – don’t spend money on things you don’t need, or it’ll cost you in the long run. The best thing to do is to start early and keep saving throughout your life. Investing requires you to be flexible, as market conditions are constantly changing, but creating a plan and sticking with it will help you achieve growth.

Welcome Back to the Spine Institute Northwest Blog

Hello from the Spine Institute Northwest Blog. Welcome! What I would like to mention is that we are currently in the process of updating the site. And, I would humbly ask for your patience during this transition.

Our team is in the process of making some considerable changes to the overall look and feel of the blog, and while we don’t have a specific timeline nailed down as to when you can expect to read new content, we do recognize that your time is valuable, and want to get things moving as quickly as is feasible.

I know that you are probably used to reading a variety of blogs – possibly too many to count in a day! Hopefully you will return to this one, and that the content we’ll soon be posting will be of interest to you going forward. Thank you so much for your visit.