Category Archives: Philanthropy

Learn The Ins And Outs Of Gold With These Tips.

Gold has been treasured throughout history and still has high value. Though most people adore gold, most people are unaware of how to get it. If you are thinking of investing in gold, continue reading to gain insider’s knowledge to the gold investment market.

Bullion bars are usually the safest way to invest in gold. You can find them in several different weights. The weights range from 0.5 oz to 400 oz bars. However, you may have a hard time locating bars that weigh four hundred ounces.

You can actually sell your gold online. Gold dealing doesn’t require physical stores anymore. It is possible to utilize a website to sell gold items. The site sends you a prepaid mailer to put the gold pieces in. If the transaction goes smoothly, they’ll give you a quote and you can either accept or decline the offer.

Get an appraisal if you have no idea what value your gold holds. This adds an up-front cost, but it could save you a lot of money later. Be sure to select an appraiser who is accredited and independent for a realistic appraisal. If you decide to sell, be aware that it’s not likely for you to get full retail value of your item.

Be aware that any items containing gold can be sold to someone dealing in gold. Valuable gold can be made into anything that is now broken such as jewelry and any home items that could be around. You can get something for an item if it is not made out of pure gold. It could just have a tiny amount of gold or be gold plated. The amount you can get will depend on how pure your item is.

Whenever you’re looking at selling scrap jewelry or gold it is best to explore many different companies to know the offers are legitimate. While many stores state they pay the standard price for gold, there are a number of them that do not. Look for stores off the beaten path as they often have lower overhead and better deals.

If you’re going to ship your jewelry to a mail-order buyer, know how much return shipping is going to cost you in the event you don’t accept their offer. Companies often provide free shipping, but it can be costly to get them back to you in the mail. Realize in advance that you’re out money to get back your jewelry.

Use GoldMoney if you are interested in buying gold. This is the equivalent of establishing a gold bank account. You simply establish your account, deposit funds and receive an assignment of gold that fits the value of your account. The gold itself is in a vault at a bank, and you can cash it or redeem it for gold bullions.

While gold buying can be fun, don’t tell everyone about it. You may not know who is overhearing you, or who is trustworthy. Make sure you keep your gold investments to yourself and protect them by storing them in a local bank safe deposit box. This ensures that your gold is protected under all circumstances.

Carefully read and check the small print in the sales contract. If you are selling gold by mail, this is even more important. That way, you will be aware of the cut of your proceeds that will go to fees and commissions.

As is now quite clear, gold is a precious commodity that is easily traded. It makes sense to invest in gold because it retains its value and increases in value as time goes on. Now that you’re initiated, start investing in gold today!

Become An Expert In Gold By Using This Advice!

It is widely recognized that the recent economic downturn has catapulted gold’s popularity among investors. An increasing number of people are investing in gold to secure their wealth, but a lot of people do not how to approach it properly. This article will help anyone and everyone learn about the market.

When you decide to sell gold, you should get a few sources to give you an estimated value. Different gold purchasing entities are at your disposal, and they all require different profits from the purchases. When you get an estimate from more than one, you can help to ensure you’re getting a fair price on the gold you’re selling.

Bullion bars are an excellent investment. The weights will vary. They start at a mere half-ounce, but also rise as high as four-hundred ounces. The 400 ounce bars are generally hard to find.

Before you buy gold, be sure you know exactly when it will be delivered to you. Always get a timeline in writing of when your gold pieces will be delivered if immediately delivery is not provided by the seller. Their expected delivery date should be indicated. Do not finalize your order until you receive written confirmation.

Make sure that you understand the terms when sending jewelry back through the mail. You should find out how long the process takes, and get package tracking and insurance on your package, too. Lastly, take pictures of all items you’re sending so you have proof in the event of a dispute.

If you’re thinking of supplementing your retirement funds with the help of gold investing, it’s important to understand what type of gold to invest in. You want to ensure that it is IRS approved. They have to be 24 karat coins or bullion bars. Over time, gold bars appreciate better than gold coins.

Scrap Gold

You can get into the gold market with just a small investment in scrap gold. Scrap gold can be purchased in very small quantities (like a little bit every time you get a paycheck) and stored until you have a large enough collection to sell off. Store your scrap gold in a secure location until you are ready to sell it.

Be aware that any items containing gold can be sold to someone dealing in gold. This could be jewelry pieces which are broken, home decor, tableware or any other gold items you have around. An item need not be made purely of gold. A gold plated item or an item that is not entirely made from gold is still valuable. It’s still possible to make money this way.

If you intend to convert your gold jewelry into cash, you’ll have to choose between selling it as jewelry or for the “melt” value of the gold it contains. You will see that pawn shops and private buyers only pay melt value. Don’t give up; eventually, the right buyer will come your way.

Due to the financial hardships throughout the world, gold has not only become more popular, but it has also become more important. Being educated in this area allows you to use gold in order to protect your financial portfolio. We hope this article has provided some useful pointers.

Make The Most From Buying And Selling Gold With These Tips

Unless you are familiar with the workings of the gold market, it’s almost impossible to make it an important part of your wealth portfolio. It’s not as simple as just diving in head first, but it doesn’t have to be complicated either when you have the necessary information. The article that follows is going to teach you what you need to know when dealing with gold.

All gold buyers are different, so it is important to look around and find someone that you feel comfortable doing business with. Check with business groups and read online reviews. See how fairly treated former customers feel. Shop around to get the best price for your gold.

You should always ask for timely delivery when purchasing some gold from a reliable seller. When dealing with a vendor, it pays to seek written confirmation of the expected delivery date. This is crucial if they do not offer the option to deliver immediately. You should have the date of delivery clearly listed. Do not complete your order without this important information.

Gold Jewelry

If the gold price is not to your liking, perhaps going with gold-filled or gold-plated jewelry is something to consider. But, it is still possible to purchase gold jewelry without having to go to a jewelry store and spend a fortune. You can get gold jewelry cheaper online or in pawn shops.

If you wish to enter the gold market but don’t have tons of capital, try buying scrap. This can be done bit by bit. For example, you might invest a bit each payday to amass an impressive collection of gold as time passes. Make sure you have a safe place to keep your gold (a safe deposit box is ideal) while you’re collecting it.

Realize that any piece that contains gold can be sold to a buyer. Gold pieces can be anything from jewelry to tableware, even home decor. It also doesn’t have to be 100% pure gold. Plated gold will do. You are sure to turn a decent profit.

Spot Price

Make sure you know the spot price of gold the day you plan to buy or sell. Many sites offer this information, plus it changes every day. You shouldn’t pay more than 8 percent over the spot price. Anything more is unethical.

Make sure to conduct independent research prior to investing any money. Some individuals pretend to market experts but who are in fact just trying to dupe you into investing through them. Be wary of any claim to help you get rich quick in the gold markets. You will certainly avoid the getting rich quick way of thinking if you have realistic expectations.

Don’t sell gold out of desperation if you can help it. Gold is something that tends to go up in price, and while it’s at an all-time high recently, chances are it’ll be worth even more down the line. If you’re able to keep your gold, then you may be able to get more benefits from it later on.

When selling gold, make sure your items are separated by karat weight. The gold values differ by karat values so if all the gold you have is weighed together, it won’t be the best value you can get. The higher its karat value, the higher the gold’s value.

Now that you understand more about investing in gold, you can begin using that knowledge. Remember the information you have learned and use it for your investment strategy. Yes, gold is a great investment that can help you plan ahead for the future.

On The Market For Gold? What Needs To Be Known First

As various forms of currency decrease in value, gold prices continue to go up. This is why it is a solid investment and a good way to have a cash reserve. However, there are things you need to know. The tips that follow will help you figure out the gold market.

When you sell gold, get an idea of value from a number of sources. Gold buyers and jewelry stores are out to make a profit, so they’ll all pay less than the actual value of the gold you’re selling. Getting estimates from several establishments will help you make sure that you receive a fair price.

Do not sell your gold without first knowing what it is currently worth. Different karat values will be valued and weighed separately when selling your gold. Because the jewelry you sell will be melted down, keep pieces that are more valuable because of the designer name.

Before you purchase a gold piece, know when it is going to be delivered. If a seller gives you anything other than immediate delivery, you need to have some kind of written contract or guarantee when your pieces are arriving. This should include the date the gold will arrive to you buy. If you cannot get this document, do not complete your order.

Before going to sell your jewelry, investigate what the current market price of gold is. You will then be prepared to negotiate. The majority of dealers will offer you market value for your gold, but some know that sellers just want to convert their items into cash quickly, and they take advantage of the buyers.

If you decide to take any scrap gold or jewelry to local places that pay cash for gold, shop around. Even though the market “spot” gold price is the national standard, not all stores will pay it. Look for stores off the beaten path as they often have lower overhead and better deals.

Melt Value

Is it better to sell your gold jewelry for melt value or as jewelry? If you are selling to pawn shops or most private sellers, expect them to offer the melt value. If you’re prepared to put more effort into locating a buyer, though, you may make more by selling your pieces as jewelry.

Using a brokered service such as GoldMoney may be the gold investment technique that best suits your needs. It’s like opening a bank account, but for gold. With this service the money in your account is converted into gold. Although you own the gold, it remains stored securely in the company’s vaults. You can sell it, portion it out, or even (given the right conditions) arrange to take deliver of it yourself.

Be cautious with the gold market. Markets all have their share of unscrupulous players, but gold is a market that seems to have many. Many people want to keep the money you are owed for themselves. Stay alert and always take the time to obtain the information you need to make an informed decision.

Gold has been a popular commodity for sale and trade throughout history. Gold keeps growing in value, providing terrific returns. However, if you are a novice to the gold market then you need to be sure about what you are doing before you start trading. Pay attention to the advice in this article for the best profit in your endeavors.

What You Need To Know When You Are Dealing With Gold

The trading of gold has caught the interest of a lot of investors, given the safety and hedge it gives against economic turmoil. Unfortunately, a lot of potential gold investors do not understand the markets well enough for them to make smart decisions. Keep reading to learn how to make the gold markets work in your favor.

Get an estimate from several buyers before selling your gold. There are many buyers who purchase gold, but prices vary from one professional to the next. Therefore, it is wise to get several offers to ensure the best price.

Gold Online

Consider selling gold online. It is now easy to sell gold without having a physical store location. There are many places to sell gold online. Contact the site, and they’ll send out a shipping kit so you can send them your gold. If the transaction goes smoothly, they’ll give you a quote and you can either accept or decline the offer.

If you are going to buy a particular gold piece from any seller, be certain that you know exactly when to expect the delivery. If delivery isn’t immediate, then you need written confirmation from the seller about your pieces. The date of arrival should be something you can see listed. If you cannot get this document, do not complete your order.

Be sure you research a company before sending them gold in the mail. Find out when you will receive your payment, and get insurance for your package. Lastly, write down and also photograph everything you send to this company just in case you have a disagreement.

There are many sites where you can purchase gold, such as GoldMoney. It is almost like opening a bank account for gold. You simply establish your account, deposit funds and receive an assignment of gold that fits the value of your account. You can redeem the gold bullion in one-kilo bars or leave it in the vault and trade it or cash it in.

Know what you have when it comes to gold. Pieces that appear to be gold may not be worth gold’s weight. Many times, other metals get mixed with gold for more durability. Items that are not pure gold have a lower value. Gold plate is also not very valuable. If you do not know for sure the value of your gold piece, have it appraised before presenting it for sale.

Research the daily spot price before you sell your gold. Check out the competition and what they are offering. This is a price point that you can work with. Start the bidding a bit above what you really want. That way, the buyer can negotiate a little.

You can make gold investments without owning gold. Buying gold-focused mutual funds and stock in companies that mine gold are other options for investing in gold. If you buy real gold bars or coins, consider safe storage of your pieces.

While gold may be a great investment, it may also be volatile. If you do not have the stomach for quick jumps up and down, stay away. Even if you’ve got the stomach for it, you still need to minimize your risks. You should invest only 10% of your portfolio in gold. Many experts say that no more than 5 percent of your assets should be devoted to gold.

Ask people you know for their broken jewelry. If you can buy it from them at below melt value, you can make a profit.

Map out your goals prior to investing in gold. Gold may make a volatile investment; however, it can be good insurance against inflation. When you have your risks minimized, you can reach your goals.

Many people are excited at the thought of making money in the gold markets. But, as often times happens, a lack of understanding can lead a lot of people to not realizing the full potential of gold trading. The above article will help those wanting knowledge on the gold market.

Getting To Know What Gold Is All About

Investing in gold is seeing a resurgence after the economic uncertainty of recent years. Though more and more people are using gold to help with finances, most don’t know how to properly do it. This article was written to be of assistance to gold investors wanting to get as much from gold as they can.

Get multiple estimates for your gold pieces if you are looking to sell them. There are many buyers who purchase gold, but prices vary from one professional to the next. You can be certain you’re getting the best deal by shopping around.

Gold prices change quickly and often, so know the current value before you attempt to sell any. Don’t forget to take into account the different karat values of your gold pieces. You should not sell jewelry as gold scraps if its worth is higher because of the brand or design.

Research gold buyers before going to them and try shopping around for buyers that are reputable. Check for online reviews and reports from the BBB and see how these dealers resolve complaints from their customers. If you get quotes from multiple buyers, you will get the most for your gold.

When it comes to selling gold, you must decide if you are going to sell it just for its melt value or as a jewelry piece. You may get more if you can wait to sell it to a buyer who values it as a beautiful piece of jewelry. If you’re prepared to put more effort into locating a buyer, though, you may make more by selling your pieces as jewelry.

Never pass up an opportunity to search for gold in a thrift shop or antique store. When you know what to search for, you can find great items in these places. Many people do not realize what they have and sell it or donate it to these shops. Their lack of knowledge can be used to your benefit, if you know what to look for.

Fine Print

Figure out what all of the fine print means when you’re working with a sales contract. If you choose to sell your gold through one of the many mail-in gold purchasers, carefully read the fine print before selling your gold. This allows you to know how much of your proceeds will be used to pay for commissions and fees.

Before you sell a piece of jewelry for scrap, have the piece appraised first. You should do this for special pieces. Unique pieces may be worth more intact than they would if eventually melted down. You may have to pay to have a piece appraised, but it’s worth it. An appraiser may know someone that’s interested in your jewelry.

You should note that even if a whole piece of jewelry is not solid gold, the backs of earrings or clasps may be. Many rings and clasps for bracelets and necklaces are gold too. They don’t weigh too much so you may want to sell them all together. With a quality of items, you may be able to get someone to buy them together, hoping for greater profits.

Before selling gold, separate everything by karat. The buyer will doubtless weigh all of your pieces before setting a price for them, and if you aren’t attentive you may see everything lumped together and weighed with the lowest-karat pieces. You will earn more if you sell your gold separately by karat weight. Have your pieces split up by karats in advance so that you can maximize the return you get out of the sale.

Gold’s popularity and importance has risen due to the downward economy worldwide. When one has the proper knowledge, gold can be used as an important tool for financial protection. Hopefully, this article has offered you some helpful information.

On The Market For Gold? What Needs To Be Known First

Gold is prized all over the world and has long been used to measure value. Gold is cherished by all, but few know how to get their hands on it wisely. If you want to purchase gold, or even if you are interested in selling it, the follow tips will help.

Bullion bars are hands down your best gold investment. The weights vary. From .5 ounces to 400 ounces, the choice is yours. The 400 ounce bars are generally hard to find.

Market Value

Always check out the up to date market value for gold before you seek your gold jewelry. That will help you determine whether or not a dealer is actually offering you a good price for your pieces. Many dealers will pay market value, however others rely on people desperate for cash to get the most for themselves.

If you don’t have lots of money to buy gold, but still want to profit on the upside, think about buying scrap gold. You can buy a little at a time, building up a stockpile. This will not break the bank. Ensure that the gold is safely stored and secured at all times.

Before selling you gold through the mail, be sure you know what the procedure is for getting your items back and any costs involved in doing so. A lot of buyers offer free shipping but will charge you a lot to send the item back. Make sure you know in advance what you might have to pay to get your jewelry back.

Earring backs are often solid gold when the earring isn’t. Sometimes rings are only partially gold, and sometimes necklaces just have gold clasps. Try to sell them as part of a “lot” since singularly they are not very heavy. A large quantity can assist you in profiting better from them.

Investigate with the Better Business Bureau before selling your gold to any purchaser. You will see if there were any complaints and be able to read reviews from consumers who have conducted business with them. Pay close attention to whether any of the complaints were not settled in a satisfactory way. If there’s a lot of complaints about one company, consider not using them.

Separate your gold by karat weight. Keep an eye on the gold buyer because they may try and deceive you. A common trick is to weigh everything together and then give you the price for the karat that is the lowest weight. You will end up losing money. Rather, approach the vendor with separated piles in order to maximize your profit.

A choice many people use when selling gold is to ship it through the mail. This does not involve posting any advertisements or going into different shops. You simply drop your jewelry items in a prepaid envelope and wait for your check to come in the mail. But, keep in mind that such enterprises tend to offer lower prices than some competitors. Some of these outfits pay you a third of the money for the item than you might get elsewhere, so be cautious.

As you can see, gold is a prized possession. It is also a precious commodity and can be easily traded. It is generally a good investment because it holds its value over time. This article has hopefully given you an excellent start on your journey to becoming a savvy, well-informed gold investor.

Read This Piece For Helpful Gold Information

A key strategy to investing in the gold market is learning everything you can about gold. Gold helps balance your portfolio and diversify your investments. How do you start? There are so many option that it can seem overwhelming. Read this article to learn more about investing in gold.

Get a value from a few buyers before selling your goal. There are lots of services, jewelry stores and pawn shops that buy gold. Of course, they will want to make a profit when they sell it. When you get an estimate from more than one, you can help to ensure you’re getting a fair price on the gold you’re selling.

Bullion Bars

When you invest in gold, you can’t go wrong with bullion bars. The weight of these bars vary. The bullion bars come in half ounce bars and increase up to large bars weighing 400 ounces. You will have a hard time if you are seeking the largest size.

Only deal with reputable buyers. There are several ways to find out about their reputation, such as online reviews or Better Business Bureau filings. Reputable buyers will pay fair rates for gold and will provide solid customer service. Do your homework in order to safeguard both you and your financial investment.

Conduct extensive research before you do business with a company specializing in gold. You can always find online reviews, inquire with the BBB and learn how each vendor handles complaints. By getting bids from several different gold buyers, you will be more likely to get top dollar for your gold.

It is possible to sell gold online. You don’t need a storefront to buy and sell gold. Numerous websites exist on which to buy and sell gold. The site will mail you a kit for mailing in your items. If they accept the pieces, you will receive their prevailing rate.

Research the current market price of gold before you attempt to sell your old and unwanted jewelry. That will help you determine whether or not a dealer is actually offering you a good price for your pieces. Many gold dealers will pay market value; however, some dealers try to get your gold cheap.

Melt Value

When it comes time to sell your gold, figure out if you would like to sell it for its melt value or simply as a piece. The quickest way to sell off gold (and the one many dealers and pawnbrokers prefer) is for the melt value. Don’t get discouraged since there’s a buyer out there that wants your pieces.

Only sell to buyers that have a state license to buy gold. Licensed buyers are much more reputable, and then you can stop worrying. There are a number of people out there willing to buy, so avoid thinking you have to go with the first buyer you see.

A quick and inexpensive way to test a piece of gold or precious metal to see if it is real, is by using a magnet. Precious metals, gold included, are not magnetic. Sometimes only the clasp is solid but the rest is plated. A magnet can help test jewelry quickly.

Be sure to do your homework about current gold values prior to any investment decision or action. There may be individuals that claim to be professional market gurus, but they’re just scam artist that want your investment. Any claims that promise overnight fortunes must be taken with a grain of salt. Keep that in mind, and you’ll go into it with realistic expectations.

There are other ways to invest in gold other than physically owning it. Buying gold-focused mutual funds and stock in companies that mine gold are other options for investing in gold. For those that want to buy real gold, make sure you think about how you are going to keep the items safe.

Understanding how to invest wisely in gold is essential to having a bright financial future through portfolio diversity. This article has taught you how to make wise decisions. Get things started by using these tips.

How You Can Make Money By Selling Gold

It is widely recognized that the recent economic downturn has catapulted gold’s popularity among investors. In the rough economy of recent years, there are a large number of investors who have looked at gold as a way to keep their money safe. But, it’s important to know more before trying it. The following information will help you receive the most bang for your buck when it comes to gold.

Stay with reputable firms when selling gold. Verify their good standing by checking with the BBB and reviews online. Do not do business with a buyer who does not treat you as a valued customer or does not offer a fair price. Doing this protects your investment.

Think about using the Internet to sell gold. You don’t need to have a physical store location anymore. You can use one of many websites out there to sell your gold. These sites will send you kits in which you can send them your gold items. They will send you payment for your goods after they receive your items.

If you are going to buy a particular gold piece from any seller, be certain that you know exactly when to expect the delivery. If the person selling you the gold does not deliver the product right away, it is necessary for you to obtain a written estimate of when your items should arrive. Your expected receive date should be listed. Only go through with your order if you obtain this document.

If you plan to sell jewelry through mail-in companies, make sure to do your research first. You should find out how long the process takes, and get package tracking and insurance on your package, too. You can also protect yourself in case of any disputes by snapping some photos of your jewelry before sending it off.

Understand that gold dealers are interested in all gold items. From broken jewelry to gold fillings, it can all be sold. It doesn’t need to be 100% gold either. Items that are gold plated or filled are also valuable. The amount you can get will depend on how pure your item is.

Melt Value

When selling jewelry, be aware that most gold buyers will only pay you on the melt value. You will see that pawn shops and private buyers only pay melt value. If you are selling a piece of jewelry, you should pursue a better deal.

Use a magnet to determine if an item is made of gold. True precious metals such as gold will not stick to the magnet. Many times you see the clasp gold plated but not the rest of the piece. A magnet can help test jewelry quickly.

You don’t have to physically own gold to invest in it. Stocks in gold mining or gold based mutual funds are two such alternatives. If you choose to purchase actual coins or bars, take into account the cost of secure storage of your gold.

Gold has become increasingly popular in recent years with the economic downturn. You can use gold to ride out the tumultuous wave that the stock market may be going through. Use the tips here to make money.

Simple Steps To Help You Better Understand Gold

The trading of gold has caught the interest of a lot of investors, given the safety and hedge it gives against economic turmoil. That said, a majority of people investing in gold don’t have sufficient knowledge to understand the market. Keep reading this article to learn more about how gold can be made to work in your favor.

Gold bullion bars are great investments. There is a great variety of different weights. You can purchase a large, four hundred ounce bar down to a tiny half ounce one. If 400 ounce bars interest you, know it will be hard to find them.

When entering the gold market you will want to have an idea on how the precious metals prices are determined. With silver, platinum and gold the prices vary wildly throughout the day, and in order to get the correct price you must spot check it on the day before making a purchase. You might need to pay a higher percentage for melt values such as 1/10, and 1/2 fractional pieces.

Research the market price before selling any of your gold jewelry. That way, you will know if you are being offered a fair price for the items you have. While dealers often give you market value, some are used to sellers wanting quick cash.

Scrap Gold

Scrap gold is an excellent investment if you are working with limited investment money. After a year of buying a little gold each payday, you could end up with a valuable collection of scrap gold. Keep your collection safe until you have an sufficient amount to cash in.

You need to only sell your gold to buyers that are licensed. This does not prevent you from getting scammed, but a licensed buyer probably has a better reputation. Many establishments purchase gold, so there is no need to sell yours to the first buyer you deal with.

You need to know what you’ve got. Not all that looks as if it’s real gold is as valuable as the real thing. Usually gold is mixed with other metals to give it strength. This reduces its price though. This is also true of items that are just plated. If you don’t know exactly what you have, consider an appraisal.

Investigate several gold dealers before choosing one to do business with. You may get a wide variety of offers. Going to different places will allow you to weigh your options and go with the best deal. It can also help you to negotiate if needed. Think about this ahead of time so that you can put the most money inside your pocket.

Many times the backs of earrings are solid gold, even if the earring itself is not solid. Necklace clasps and bands to rings are usually real, too. Because each piece does not weigh much, consider selling these as a group. This is various gold pieces in one quantity and it can help you earn more money.

Be sure to check the credentials of all gold buyers, jewelry stores and dealers with the Better Business Bureau. They will have basic information about the business listed, along with any reviews or complaints from others that have done business with them. Complaints that have been resolved are actually a good thing, so factor those in as well. If there are many unresolved complaints, or a huge number of overall complaints, think about giving your business to someone else.

Business Bureau

Before you buy gold, get to know the dealer. To ensure your dealer is reputable, check with the Better Business Bureau. By contacting your Better Business Bureau, you can find out if there are any complaints filed against your dealer. If you find filed complaints, you may want to think about going with a different dealer altogether.

People are getting excited about the prospect of making money using the gold markets. All too often, though, people don’t have sufficient knowledge to successfully invest in gold. After reading this article, you should be better equipped to make good financial decisions.