Investing, the Rudyard Kipling Way –

Investing, the Rudyard Kipling Way –

Using options can let you keep your head when all around you are losing theirs. A study by Dalbar, showing that few stock investors fail to match the Standard…/SB5000142405274870488240457838…

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Your Questions About Investing In Silver

Joseph asks…

Is investing in silver a good idea for a 15 year old?

financi4 answers:

Investing in silver is a good idea for anyone no matter what age. I can think of better things to do as a 15 year old though…
Any investing should start with research, and when you have finished researching, research again ! Silver is good at the moment along with copper. If you are after a small cap business Pinnacle Telecom and Provexis are 2 small companies ripe to bust. Their epic codes are PINN – PXS respectively on the London stock exchange.
If you want to trade, here is a good website I found a long time ago, it’s worth checking out.
Good luck.

Mark asks…

Newbie Investing In Silver?

Hi there. I am interested in gold & silver investing principally silver. I am a newbie in this area.

Can you all recommend me books to read up on this subject especially for newcomers? I also welcome e-books and video/DVD recommendations.

Thanks & have a great day!

financi4 answers:

Start off by watching these video clips. There is a lot to learn about. But you need to have the basics of economics and the history of money. Ive provided many links for you. I have othe rlinks for you as well. Email me for the rest as Im limited as to how many I can post in this answer.


Watch these two videos too

Also read the following post and listen to the following radio shows at the end of this post to understand about gold and silver. I myself have been buying gold and silver for some time.

First off you need to understand that gold is not an investment. The best way to own gold is to buy and take physical delivery of the gold itself. Silver is also in the gold realm as well, so when talking about gold, silver is included.

It is always a good idea to own some gold and silver at all price levels. To truly understand gold and silver, and why you should own it you have to understand the economey and get the movie of life on the largest screen possible. I listen to the following radio broadcasts posted at the end of this post. You should too to fuly understand what is happening and the action you should take.

Gold is money and a store of value. It is the “Currency of last resort” as Greenspan has stated many times through the years. Gold doesnt pay interest, dividends, doesnt restate earnings, has no lawyers, accountants, CEOs or CFOs lying to you on television. Gold doesnt ask for bailouts, doesnt go BK and cannot cook its books. Gold cant be debased or printed at the will of a company or governmetnt and holds its purchasing power.

Gold sits there as a store of value, is labor intensive, and a one ounce coin will not split into a bunch of half ounce coins at the direction of the pin striped bandits on Wall Street. Also Gold is the ONLY asset class in the last ten years to increase in value and retain every dollar of its purchasing power.

Gold can be bought in many forms. Coins are the best. I personally like the US coins in both the Gold Eagles and the pre 1933 US $20 gold peices. Gold Eagles are hard to find right now but $20 pre 1933 gold pieces are avalible from PTG at . This is the company I use and I like them and their radio show that airs every weekday.

Once you have physical gold and silver then ETFs or stocks are fine but I strongly suggest in holding physical gold for long term value and storage.

Cons to owning gold is it is subject to short term market manipulation by the Federal Reserve and bullion banks. This can cause the short term price to be pushed down as is being done today. This is why the paper price on gold verses the physical price is not he same today. Paper price today is about $830 an ounce but the physical price is ranging between $900 to $1200 depending upon the product being bought.


Thomas asks…

Investing in Silver , what shares should I invest in on the LSE ?

financi4 answers:


Daniel asks…

Is investing in physical silver better then investing in SLV for example?

financi4 answers:

NOT really! Buying GLD or SLV is backed by physical silver, but you don’t have to hide it or protect it while you have it in your posession. BUT if you believe the econmomy will totally collapse, and our money will become useless do to hyper inflation, physical silver you can barter with is better to hold. The value of SLV and physical silver will be the same. When in doubt. Own both.

Chris asks…

Should I invest in a mutual fund or Silver Bullion?

I’m considering opening a Roth IRA and investing in some mutual funds (such as a Vanguard fund). However, I’ve also heard that investing in silver bullion now is a smart move, as it is projected that silver will slowly climb over time and that it is a “safe” investment.

Should I stick to one or the other? Or both?

financi4 answers:

Many people think about silver and gold as very solid investments by protecting people from inflation. However, it has been shown that gold and silver make lowsy long term investments. During times of volatility (like now or the last great depression), they tend to do well, but only if they were purchased prior to the volatility. Although Silver and Gold are rare and used to make jewlery, what can you actually do with it that is useful? Copper you can make wire. Iron you can produce cutlery, tools, buildings etc. Silver is a bit more useful than Gold, but when it comes down to it, not much. You may know about Switzerland and backing their currency with Gold and Silver. However, they have been slowly getting rid of it. Time has shown government bonds have produced better returns and preservation of capital (Miller et al.) .

Also you have to think about the individual costs. Silver and gold is heavy and so once you purchase it from a dealer, you’ve paid a lot in delivery fees, markups (by the bank, coin dealer, etc.), and other fees. Precious metal certificates purchased through financial institutions maybe another route, however they are still tacked with storage fees and management costs.

You may have a case with short term gain with Silver or Gold. If you want to invest in them, consider investing SOME of your money in an Precious Metal ETF (exchange traded fund). ETFs are like mutual funds, but they generally have less management fees, and are very liquid as they trade like stocks.Not only that, you will then be making money off the companies that mine silver and gold so you have access to cash flow from the sales and processing of Silver and Gold as well as metal price appreciation.

Definitely consider a wide range of funds. Prices are low now so if you don’t need the money soon, mutual funds are the way to go. The best thing to do though is talk to a financial advisor and see what kind of things work best for you based on your income, goals and retirement plans.

Good Luck!

Donald asks…

Is it still worth it to invest in silver and why?

With the economy going back up and the recession ending back in July of 2009 what’s the point in investing in silver? For it to go up past $18 dollars spot the economy has to go down like it did in 2008 when the bailout for gm happened. But, now what the point in investing in it now?

financi4 answers:

First, recession or not, the increase in the federal debt to twice its current level will reduce the value of the dollar. If you have a 1000 dollars today, it may have the buying power of 100 dollars in ten years. Or another way, it may take a wheelbarrow full to buy a car for instance. The more money is printed without backing, the less value it has.

That is why silver (and gold) are good investments. They are real, tangible wealth. If the dollar collapses, you still have real money, not a piece of paper backed by nothing.

What’s even better is “junk silver” or common date silver U.S. Coins. These are coins minted before 1965 which contain 90% real silver. What’s more, a 1957 silver quarter will always be worth .25 and will be accepted anywhere even if silver drops to a $1.00 an ounce.

My own opinion is that silver and gold will only go higher unless we reign in this deficit spending and further erosion of the U.S. Dollar.

I hope this helps,

George asks…

Is it too late to invest money in SILVER?

Right now the price of SILVER is hovering at around $17-$18 per ounce. I hear mixed things about investing in SILVER. Some say it is a great investment because there is a shortage and people are buying it like crazy. However, I’ve also heard that it is over priced and people are pushing SILVER so that they could make a profit.

What do you think about investing in SILVER at this time? Is it too late?

financi4 answers:

It depends on what you want.

In my opinion comodities (precious metals, oil etc) are a long term investment. And in the long term they will never go down because there is a finite amount of it. So whether you buy it at $17 or $25 per ounce it will be more than that in 5 years.

If you are looking to catch the wave and jump on what is booming before it drops again, I can think of a lot better than silver. Check out the futures market & be sure to stay on top of it or you will be very poor very fast.

Paul asks…

silver investing, best method?

Is bullion silver a worthwhile investment? Are bulk “junk” silver coins better, I’ve read a few things that say yes as they could be used as legal tender? Lastly, I found a site Monex (dot) com, that sells silver bullion, rounds and “junk”, are they a good company?

I would rather have metal in hand than stock certificates.

Thank You
** Is there a better (cheaper) way of obtaining silver than through Monex?

financi4 answers:

The silver coins would be the better investment if you actually have them in hand. They can be used as legal tender especially when the world economy crashes and anarchy is the rule of the land. But remember, the banks will collapse so putting them in a safe deposit box will make them inaccessible. Invest in a Glock or a slightly used AK 47 so you can safely keep them in your closet next to the MRE’s

William asks…

what is the difference between silver coins and silver bullion coins?

im new into investing into silver and was wondering what the difference is i recently ordered some silver eagles and silver eagles bullion, and a couple one ounce bars. what the difference and is it better to invest in the bars?

financi4 answers:

“Precious metals in bulk form are known as bullion and are traded on commodity markets. Bullion metals may be cast into ingots or minted into coins. The defining attribute of bullion is that it is valued by its mass and purity rather than by a face value as money.”

“Silver coins have become popular with collectors due to their relative affordability, and, unlike most gold and platinum issues which are valued based upon the markets, silver issues are more often valued as collectables, far higher than their actual bullion value.”

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Your Questions About Old Silver Foreign Coins

Paul asks…

what do the intials mean after the 14k? My ring says 14kgwr.?

I know some of the 14k’s have intials that mean it it plated or not pure, But the ring I have was made in 1902, so I was wanting to know if the GWR after the 14K meant anythign special or could it just be the intials of the original ower? Could anyone anwer this for me?
I also have some very old foreign coins that are silver, gold and copper, plus a dime andpenny that are together with heads on each side dated 1960. Any help out there? ALso I foung old german coins with the swastika on them dated 1940. HELP? Do I have a unknown fortune?

Justin answers:

Wow, this sounds really interesting, I am anxious to hear what others have to say……….as far as the GWR I would guess it is someone’s initials……..I do hope you have a lot of value here!

Chris asks…

Are any of these coins valuable?

Pls only answer if you’re familiar with coins.

1. USA *Silver* Penny 1943
2. USA Indian Head Penny 1898
3. USA Liberty Head Nickel 1887
4. Canada One Cent 1917
5. USA Mercury Dime 1937
6. Republica Peruana 20 Centavos 1943
7. Maybe Russian?> CCCP 20 kon 1936

I have a bit of a coin collection & was wondering if any of these older ones are valuable. Also where could I go to have them (all my foreign/old) appraised?

Justin answers:

The 1943 zinc coated steel cent is worth around .05 to .25 cents in circulated grades. The 1898 Indian cent is worth $1 to $2 in circulated grades. The 1887 Liberty nickel is worth around $12 in grade good and goes up from there. The Canadian 1917 cent sells for around .50 cents. The 1937 Winged Liberty dime in circulated grades usually sells for it silver content, dealers are paying 5 to 6 times face value. The 20 centavos from Peru that has the date below the bust is worth around .25 cents. The ones without the date but with writing under the bust are more valuable. The Russian 20 Kopeks of 1936 is valued at .25-$2 depending on grade. Hope this helps.

Richard asks…

coin collection?? collecters??

who hear collection foreign coin…either out of currency or in currency and old old coins like tottaly out of currecy….cuz i got 4 silver dollars and there really old and of course im not gonnna sell um its my prized possestion but i wanna know who collectes coins and im curious at how much my collection is worth??
thanks sooooooooo much it helped alot

Justin answers:

Their value is going to be dependant on a few things:

1) The date on the coins (I assume you are talking about US coins, otherwise their country of origin is important as well)

If you are talking about some other contries coins, skip #2 as it will have no useful information for foreign coins.

2) The mint(s) which made the coin(s). The date of the coins will help us know where the mint marks are. If the date is between 1878 and 1921, look on the back side of the coin (the side with the eagle) and see if there is a letter under the bow in the wreath.
If the coin was made between 1922 and 1935 look on the back side of the coin (the side with the eagle) and see if there is a small letter under the tail feathers of the eagle.
If the coin was made between 1971 and 1978 look on the front side of the coin (the side with President Eisenhower) and see if there is a small letter above the date.

Possible mint marks:

None – means Philadelphia mint; 1878-present
‘CC’ – Means Carson City; 1878-1893 only
‘O’ – Means New Orleans; 1879-1904 only
‘D’ – Means Denver; 1921-present
‘S’ – Means San Francisco; 1878-present

3) The condiditon the coins are in. This is very important in determining values and pictures are sometimes helpful. Coins can range from looking like they were just made to looking like they have been used alot or been abused (holes, bent, etc.) Their condition will be determine what they are worth, so this is very key.

I would recommed that you check with a local coin dealer to see what they have to say about what they are worth. They will be able to give you the best opinion of what your coins are worth because they will be able to see them in person.

David asks…

what is this foreign coin?

went to the gas station yesterday and just realized the cashier gave me a foreign coin. on the front there is a picture of a girl and it says medjugorje. on the back there is a cross and what seems to be people under it, and it says krizevac. it is silver, looks to be rather old and is a bit smaller and thinner than the US dime.
what is this coin and is it worth much?

Justin answers:

The following article is taken from a web page, from it it would seem your coin is Bosnian, Medjugorje is a town in western Bosnia. Looking at a list of present Bosnian coins I cannot find so it does seem to be old, however I cannot find out any thing of its value

Medjugorje (“between the hills”) has become well known in Bosnia-Hercegovina, and the world, because of six young people who claim to have seen visions of the Blessed Virgin Mary. Beginning on June 24, 1981, the Blessed Mother appeared to, and later told the visionaries, God sent her to our world to help us convert our hearts and lives back to Him. Our Lady’s call is one of Peace, Love, Faith, Conversion, Prayer, and Fasting. We are each challenged to answer Our Lady’s call to change our lives, and hearts back to God. The following links to 100+ documents of information, interviews, and testimonies provide a well rounded, and accurate account and perspective of one of the greatest events in modern history.

William asks…

What does my coin and pretzel dream mean?

I have a dream that I am with my ex girlfriend. (4 month ago break up). We are at her place that is sort of old and dingy, but the place is new to me. I am sitting on the floor eating pretzels with her dog in front of a Lincoln Log style wagon toy. The dog is eating some of the pretzels.

We decide to go someplace and I am driving. I am driving my old car… my first car I ever owned. We drive down the road and see how things have changed. There are trains traveling on overpasses and lots of cars everywhere. We end up at the shopping mall, and we end up walking around a place that turns into video game arcade where I get a tall drink of something. I end up meeting someone else I know and we walk over to a new attraction where you are measured by your height and intellect to play the game. (I think this is a B.S. way to play a game so I scale my height and I am 60 but this is not correct because I am actually, 76″ tall in real life. I say that is says I am 6-2 and I wander out to the video games outside of this place and I find coins all over the place on the floor. They are silver coins that are foreign, they have the Queen of England on them and some are oval shaped with painted detail and serious relief. One of the coins backs reads, “Seven.”

What does this one mean?

Justin answers:

The difference in scale tells that your real intelligence and ability is less compared to your age.If you play game of dice,etc which depend on skill ,than intelligence,you may amass money.Number 7 is your number for playing games of luck,lottery etc.

George asks…

Help me recover my stolen jewelry?

I just discovered some extremely valuable and irreplaceable jewelry missing from my home.

The items have been hidden away in the same spot for 8 years without issue so I got comfortable with having them there. I only wear these pieces very occasionally, so several weeks have gone by since I last checked, and now my three most valuable pieces are gone.

The police officer who came to the scene said it was weird that anyone would look for jewelry in that spot, he would never think to look there (that was the idea), and also strange that other nice pieces were left behind. Only the best were taken.

The rings were removed from the boxes and everything put back in it’s place so it would go unnoticed until I actually opened a box to take out a ring.There were even some foreign coins, a 2 dollar bill and a 5 dollar silver certificate thrown in with the jewelry boxes, and only the silver certificate was taken.

Almost like it’s personal.

The prime suspects are:

a. The cleaning people. They were hired three months ago and have come three times when we weren’t home.

b. The 17 year old babysitter whom we’ve know for 2 years, who’s been here twice in the last few weeks.

c. A family member. We hosted 7 guests on Easter Sunday. They know I love jewelry and that I have some nice stuff. And one of them has a fondness for pain killers, which she tries to get in “creative” ways.

The ONLY person who knows where I keep my best jewelry is my 6 year old son, but a clever person who knows what they’re doing could figure it out. I’ve questioned my boy several times and we can almost always tell when are kids are hiding something. He assures me that he hasn’t give anyone a tour of my jewelry collection.

So, for those of you who’ve been through this sort of nightmare before, who of those three would be your prime suspect? I know who I’m leaning toward, but no one wants to believe that a family member would do this!

Thanks in advance for feedback.

Please don’t call me stupid for not locking this stuff up, I already know how idiotic that was!!

Justin answers:

Hi really sorry to hear about this, funny as I was reading it the story sounded VERY familiar. The same scenario happened with my mum and all her valueable jewellery. My mum went back one day to look and they were gone. We are still not sure to this day who stole them but are guesses was the aerial man. Straight away when I read through it I thought the same as you that it was your family member with a fondness for pills. Can you recall what happened when you invited them over? That person going of for long periods of time, frequent “toilet trips” or oppurtunity for her to be gone and left to roam? Another reasons I thought it was her was because of the fact that she only took a select few- this could be for numerous reasons and one being that she tried to pick those which would sell best and make her the most money or as she is family she might of felt bad taking them all so hoped that only a few would loosen her conscious yet feed her addiction. I also think that it is unsafe to tell her 6 year old son this hiding spot and would suggest you change it and do not tell ANYONE or if you do someone that can really be trusted as when I was babysitting a girl ( she was 6) out of the blue she told me about her dads illegal bird egg collection and even went as far as to show me where it was hidden. Youngsters can accidently let it slip where the hiding place is and he could of forgotten that he even mentioned it to someone. Can you trust your cleaning people? Maybe hire them again and set up a hidden camera or leave out some money and see if its gone next time. Do abit of investigation work. My friend had their cleaner steal from them and so they told the cleaner if you dont return the money will shall involve the police, and sure enough that night the lady returned the money. I recommend you hire the cleaners again and test if their ttrustworthy by leaving money in a coat pocket in sight or something-that way you can rule them out (hopefully) and narrow down your search. I dont think its your babysitter purely because of how long that she has worked for you, but i babysit and am not going to lie I get bored and wander round the house and have a little snoop here and there so don’t completely rule her out- again you could test her trustworthy skills. I think its your family member the pills will be messing with any rational thinking which could be the only reason I could think of as to why only a few were taken, Please get back to me if you find out I would be interested to hear what happens! Good luck on your quest to find them, dont give up hope!

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