Thursday, November 29, 2012

The Rich Indian Community Of Panama

Panama property indicates that there is a good number of Indians present in this Central American country. Though not the majority (as the majority of citizens in this country are the Roman Catholics), they have been here long enough to own a rich tradition for themselves.

The Statistics

Currently, there are around ten thousand people in this Panama property who are of Indian origin. They are mostly employed under the industry of shipping (which Panama is known for) and there are also some of them who are mainly into commerce and trade of goods. There is a good majority of Indian people in the Panama type of property who are Hindu, and the minority is Muslim. For these people, you will note that in Panama the well-maintained temples and mosques are for them not just in Panama City but also in Colon.

Origin

The history of the Indian community is quite interesting. The entire Indian community is actually one which originated from the area of Gujarat and also in Sindh. Sindh is actually called Pakistan now. They made their first significant migration at the time when the country of Panama was overrun by Americans who had made it their responsibility to build the entire Panama Canal. These people were also from the exotic Caribbean islands during the time of the British rule. A lot of founders of the entire Colon Free Zone as a property were actually Indians. Ever since that time, the community of the Indians in Panama has significantly grown thanks the ever-growing arrival of immigrants who have made their way to this part of the country.

Later on, the Muslim Indian community in the country of Panama has decided to get more involved with the community of the West Indians through the game of cricket, which both sides immensely took a liking to. The Indian community started growing thanks to the addition of people who have a Muslim background and later on were actually big enough to come up with their own team. Pretty soon, the entire Indian community in Panama property were playing cricket often. At that time, the West Indian teams decided to look to other interests and left the Muslims and the Hindus to play this game on their own, which significantly helped to establish their presence in the Panama property.

While the country still recognizes the Roman Catholics as the majority, one cannot help but admire the rich culture and tradition that is present in the Indian community of Panama. True, cricket may be what they are also known for but the religious ceremonies and practices are all still being practiced in many parts of the country. Spices galore, colorful saris and cloths and lots of body adornment indicate that the Indian community of Panama is still alive, well and flourishing. Thanks to their devotion to religion, it is ensured that even in the younger generation living in the Panama property their culture and tradition will continue to endure for years and decades to come.

Monday, November 26, 2012

The Facts About Bankruptcy Dismissal

Bankruptcy provides an opportunity for someone experiencing financial hardship relief from overwhelming debt. By filing for bankruptcy a debtor can petition to have their debts expunged through a Chapter 7 bankruptcy or develop a debt repayment plan that outlines more financially favorable terms in a Chapter 13 bankruptcy. Filing a bankruptcy petition serves to protect debtor from negative consequences associated with defaulted payments on debts. By the time you have defaulted on payments to creditors, your credit standing has been negatively impacted. Although filing for bankruptcy will be reported to credit agencies, it does afford an opportunity to begin repairing your credit as soon as you receive a discharge of your debt. However, not everyone filing for bankruptcy will receive a debt discharge, but instead may have their petition denied in a bankruptcy dismissal.

Voluntary Dismissals

If you filed for a Chapter 13 bankruptcy, you may voluntarily request a bankruptcy dismissal. Typically, a dismissal is only voluntarily requested if they courts notify the debtor that their debts are not dischargeable through bankruptcy. You may also request a dismissal if you secured enough income to repay your debts without the aid of bankruptcy. In a Chapter 7 bankruptcy, there is little freedom to request a dismissal. Once a bankruptcy petition is filed in a Chapter 7 bankruptcy, the court must approve a voluntary dismissal.

Involuntary Dismissals

Most often, someone receiving a bankruptcy dismissal is the decision of the bankruptcy court. The court will dismiss your bankruptcy case if you failed to follow the court order or pay the necessary fees. Bankruptcy laws require anyone filing for bankruptcy to complete a credit counseling course, failure to complete this course can lead to the dismissal of your case. Another reason your case may be dismissed if you have not filed a tax return over the four years preceding your bankruptcy petition. Also, your bankruptcy case is likely to be dismissed if you fail to make the necessary payments outlined in your Chapter 13 plan without requesting a voluntary dismissal.

Consequences of a Bankruptcy Dismissal

Dismissal can lead to negative consequences for the debtor, resulting in more problems than prior to filing for bankruptcy. Once a case is dismissed, you will no longer be protected from collection efforts by creditors. You will be responsible for managing their debt payments to creditors without assistance from bankruptcy provisions. Dismissal from bankruptcy also means you are no longer protected from further damage to your credit standing. The Fair Credit Reporting Act regulates credit reporting practices and allows a bankruptcy filing to remain on your credit report for up to 10 years. There is no guarantee the bankruptcy filing will remain on your report for that duration. You should be aware that even if you do not complete the bankruptcy proceeding, by receiving a dismissal, your credit report will reflect a bankruptcy. Receiving a bankruptcy dismissal can also lead to complications with future bankruptcy filings. Any disregard for court orders will prohibit you from filing for at least 180 days. However, you may be able to reinstate your bankruptcy if you received an involuntary dismissal due to failure to meet paperwork or fee requirements. Dismissals also affect your protection from creditors through an automatic stay, which prevents creditors from making collection attempts. If your bankruptcy case was dismissed within the last year, you are allowed only 30 days of protection from creditors with an automatic stay.

To protect your bankruptcy petition from being dismissed, contact a qualified bankruptcy attorney to assist you through the process. Your attorney will make sure you qualify for bankruptcy, help you complete and file all the necessary paperwork and even make payments on your behalf. It is important you are up front and truthful about your financial hardship and any assets you own. Hiding important information can lead to bankruptcy fraud, which carries serious legal consequences.

Sunday, November 25, 2012

Why Wells Fargo Home Loans With Bad Credit Are A Leading Option

It is no secret that not all mortgage providers are the same. While many big names boast an extensive nationwide reach, and others affordable mortgage packages, very few can boast both at the same time. But Wells Fargo is one of them, making home purchase financing affordable for every pocket. In fact, getting Wells Fargo home loans with bad credit is arguably the least complicated process.

Wells Fargo is a huge name in the US mortgage sector, but it has grown chiefly as a result of specializing in solution-orientated mortgage products to bad credit borrowers and those in difficult financial situations. This makes them a favorite amongst those applicants seeking approval despite low credit scores.

The range of products available is such that practically every kind of home loan situation can be successfully addressed, from reverse mortgages to the adjustable rate mortgage. But it also structures mortgage programs to suit specific home buyer situations.

Who Is Wells Fargo?

As already mentioned, Wells Fargo is one of the largest mortgage providers in the US today. In fact, of every 16 homes sold in the country, Wells Fargo has sold one of them. But it is its commitment to affordable lending that has earned it its reputation. Little wonder that getting a Wells Fargo home loan with bad credit ratings is so possible.

In recent years, it has grown further, buying into the mortgage giant, Wachovia Corporation, and spreading its reputation for granting approval despite low credit scores to a wider market.

This merger, effectively created an unbeatable mortgage corporation, ensuring its customers gets the very best in services, offers, policies and care when they seek or secure a home loan.

Home Loan Options Available

It would be easy to look upon Wells Fargo as just another mortgage provider, but the company has grown to dominate the US home financing sector for a very good reason - it offers services that borrowers need. Getting Wells Fargo home loans with bad credit scores is straightforward, but the options available offer solutions to specific needs too.

In fact, there is considerable effort on the part of the company to structure individual loans in a way that benefits the borrower. So, getting approval despite low credit scores is just a start, with fast and reliable services that are void of those frustrating bureaucratic dead ends.

Amongst this list of services and home loan products are affordable New Home Construction loans, competitive Home Equity Loans, helpful and supportive First Time Buyers Programs and carefully agreed Timed Withdrawals Programs, where repayments are cued to ensure no late or missed mortgage payments.

Wells Fargo Extra Services

Most mortgage providers are happy to offer consultation services, but when seeking a Wells Fargo home loan with bad credit scores, borrowers can benefit from a greater level of customer care. It is not just about good terms and competitively low interest rates, but ensuring the mortgage deal suits the borrower.

There are several programs available, but arguably the most valuable are the provision of closing guarantees, credit counseling and loan counseling. While getting approval despite low credit scores is important, successfully closing the deal is crucial. Wells Fargo can guarantee the deal is closed properly, thus removing uncertainties.

Credit counseling provides prospective applicants with advice on how to boost their credit scores in advance of submitting an application, to increase the chances of getting a better home loan deal. Loan counseling, meanwhile, is designed for first-time home buyers, with Wells Fargo offering a step-by-step guide to help them through the entire mortgage loan process.

Friday, November 23, 2012

Home Loans With Bad Credit: Alternative Options For Better Approval Chances

Getting the funds needed to buy a home is not easy for those of use with bad credit histories. Traditional mortgage providers either avoid the risk, or charge high interest rates in compensation for accepting it, making such deals very expensive. But there are other options to consider when seeking a home loan with bad credit.

The decision to buy a home is a major one, not just because of the amount of money involved but because it requires a lifetime commitment to repay the debt. Carefully considering the options, and the ramifications of each, is essential. Securing mortgage approval with poor terms can prove a very costly investment.

But what are the alternative home loan options available to bad credit borrowers? Well, for those of us in very poor financial situations, the best two options are securing federal funded mortgages or privately funded mortgages.

Federal Funded Mortgages

Perhaps the biggest help to bad credit borrowers in their search for home purchase funding has been the Federal Housing Administration (FHA). Set up over 80 years ago, its purpose has been to ensure applicants for home loans with bad credit still have a chance to secure approval.

The mortgages available through the FHA program are structured to allow for a greater range of incomes, and are very useful to first-time home buyers. Securing mortgage approval is made easier because, on the back of FHA subsidization, mortgage providers ignore the credit history of the applicant.

This effectively means that income is the sole basis of approval, so all an applicant needs to do is prove that the home loan is affordable. Qualifying for FHA subsidizing is based on their assessment of credit status, income and circumstance.

Private Lender Mortgages

The alternative to an FHA mortgage is a private lender mortgage, which is provided by individuals willing to effectively bankroll the purchase of an FHA property. Securing a home loan with bad credit is simplified because it is easier to strike a deal with an individual than with a financial institution with a strict lending policy.

These lenders are generally to be found online, and they are willing to work on agreeing a deal around your own circumstances. Perhaps the mortgage term will be longer, or a mixture of repayment schedules and terms can be agreed. This greater flexibility makes securing mortgage approval much more likely.

Of course, if negotiating a home loan with a private lender, it is essential that their reputations are checked out. Never try to deal with an unknown lender online, as the pitfalls can be too severe. So, check out either the Better Business Bureau or Verify1st websites to make sure they are trustworthy.

Other Options

Of course, there are other options to securing a home loan with bad credit than the two mentioned above. The most plausible source is an independent mortgage broker. These are not mortgage providers, but have a network of contacts that they use to find the best mortgage option on your behalf.

The major plus of this option is that mortgage providers are contacted, and those interested in lending the funds will make an offer. So, effectively securing mortgage approval is guaranteed. But, the terms offered are usually quite poor with high interest rates.

This is why it should be the last port of call for anyone seeking a home loan. A good broker will be able to find at least competitive terms, but it is fact that approval is so certain that is the major attraction.

Tuesday, November 20, 2012

City Fire Department Lets You Play Firefighter.

With the rise of social gaming on social networks, City Fire Department took an approach which is realistic. By joining the game, the player tries to work their way through a career as a firefighter. When first joining, the player has to attend a fire academy. In the academy, they earn their Fire 1 certificates, Fire 2 certificates and also their EMT certificates. These basics allow them to respond on the beginner level runs in the game.

Once you graduate the academy, you are required to purchase an ambulance and respond to basic EMS and firefighter calls. By responding, you build your experience points and earn money for your department. You will need the experience to advance in ranks and the money to purchase equipment for your department. As you advance in rank, the dispatches become bigger and better and you will need a larger fire department.

City Fire department allows you to invite all your friends to join your fire department. The larger your department, the better you will do in the firefighter challenge section. This section allows you to challenge other fire departments in various skills. If you win, you win money and experience points and this also helps you advance within the game.

A nice approach in the game is the three different scenarios each dispatch has. This is a realistic but sometimes humorous approach. We all know firefighting is a serious business, but sometimes firefighters deal with some unreal circumstances and people!

Buying firehouses, fire apparatus and equipment for your department is a necessity in advancing in the game. You will need to keep track of what equipment you have to make sure your fire department is adequately equipped. The larger your department, the more equipment you will need. The larger departments have a much easier time in the challenges. Although, a large department might have the numbers, but if they don't have the proper equipment, a smaller department will beat them.

City Fire department plans on also doing an upgrade soon. In the ideas section of the game, they allow players to submit ideas which if used, the player will get credit for on the game with their fire department name posted next to the run. There were a lot of requests for special operations runs and the developers of City Fire Department will be adding a special operations section which will include heavy rescue, airport firefighting, Haz-Mat plus much more. The fire service is a 'jack of all trades' and they want to try and include as much as possible.

Sunday, November 18, 2012

Employer Job Interview - Clincher Clues

In today's barren economy --with 10% unemployment-- everyone looking for a job needs every possible edge. We are in what economists call "an employers' market," in which employers can choose from a large pool of candidates. The edge often is within you: you must come across as a likeable individual, as someone who will "fit in;" someone who will add to the company rather than subtract: an asset rather than a potential liability. In short: You want to be liked!
Don't be overconfident that the expensive resume that highlights you incredible skills and talents will do a killer job: it might just kill your chances if you don't pay attention to the little things that screeners and interviewers look for.
Assuming that you have been careful with your appearance, make-up, grooming, and personal attire, what will give you're the edge are these "little things." If we often hear the expression, "The first 10 seconds will make you of break you," it is because there's some truth to that.
1. The handshake and eye contact
While in many cultures touching and looking at people straight into their eyes might be offensive. In this country, a good handshake and establishing eye-to-eye contact is really the ice breaker. Your handshake must be brief and vigorous; practicing this act with friends will give you confidence. Be up-front with your friends and ask them to critique your handshake. How many times have been introduced to people who just lay their hand on yours and leave it there lifeless like a dead fish? Practice until you get it just right.
2. Speak with full sentences
In today's environment --the age of communication-- employers want people who can speak and write well; they want workers con can participate in meetings, who can express their opinions, who can be players rather than observers from the sidelines. So, in your interview, when possible speak in full sentences:
"I see you your minor is in Accounting. Nice. And that you can prepare trial balances... what is a trial balance or balances?"
"Accountants prepare several types of trial balances, but let me tell you about the main one: 'A trial balance is a list of the accounts and their balances prepared in order to prove the equality of the debits and the credits."
Of course not always should you sound like an encyclopedia. During the interview, and taking your clues from the interviewer you can do a bit of small talk. And maybe allow yourself a few hot expressions. "Cool" is acceptable but only once.
Stay away from telling jokes, punning, or even colorful language. Pepper your language with accepted business expressions such as: "I'm a team player," "I'm a work horse, but I can also lead the way-when needed."
Toward the end of the interview, pick up signals and clues that the interviewer is winding down. Use this pre-closing period to say, "I'm careful with wasting anyone's time. And I know you are a busy person with a full schedule... thank you for talking to me today."
3. Take advantage of the expected standard questions
Because many interviewers in the Human Resources department are college grads with degrees in psychology, they are trained to use what they learned in textbooks. One model they often use is SWOT (Strengths, Weaknesses, Opportunities, and Threats) Analysis. Knowing this you should prepare answers ahead of the interview:
Strengths



* Tell me about your strengths

* Our company is doing well, what do you think are our strengths?

Weaknesses



* What do you think we do poorly?

* What are your weaknesses?

Opportunities



* If you were skipped over for promotion, would you see it as a weakness or an opportunity?

* If you get this job, will you see it as a job or a career opportunity?

Threats



* Since you're not familiar with Excel, would that be a threat or an opportunity?

* What threats make you uneasy in a work environment?

Conclusion
Companies are seeking candidates eager to take on challenging projects, who aren't afraid to learn by their mistakes in doing something new. The candidate must project this eagerness.
Practice the above mentioned points. Practice the handshake. This little practice will tell a lot about your personality. Just remember learning this concept is easy, but it is the good execution of it that will distinguish you from many others.
Be honest and sincere with your answers; lying, embellishment, or exaggeration shouldn't take space in your mind and heart-or your resume.

Thursday, November 15, 2012

Understanding How Credit Reports And Credit Scores Work

Your credit rating is very important if you wish to be able to continue to be approved for loans, credit card applications, and get good rates while in the process. The reason for this is that all financial institutions use your credit rating to help them during the decision making process. In short, if your credit rating is good, they will approve your loan, and if not, they will either disapprove it or approve it at a much higher rate.

Although you already probably have a good idea on where your credit rating stands, since it is you that makes payments on your credit cards and other loans, the first thing you need to do to find out exactly how you are doing is to get a copy of your credit report. You can easily get a copy of your credit report by going to the Irish Credit Bureau (ICB) website to apply for a copy on your credit report online.

Once you have your credit report with you, go over the details of each and every loan, and every credit card account on the report. It will show you not just the payment details of each loan, which will show if you paid on time or paid late, but also list the financial institutions that recently accessed your credit report. On the enquiry part, you should see the credit scores that was sent to the financial companies that asked for the report. Note that some companies will just ask for the Credit Bureau Scores (CBS), while some will ask for the Global FICO Score as well. It is not really important which rating system they as for, because they all basically use the same criteria for computing your scores. The important thing is that you get an overview of what your current credit score is.

The scoring system according to ICB is as follows:
Lowest Score (Highest Risk) Highest Score (Lowest Risk)
ICB CRIF 1 367 548
ICB CRIF 2 330 550
GFS 300 850

Obviously, if you find your scores on the low side, you will have a bad credit score. This will definitely explain why you are being turned down for loans or being offered high rates. The good news is that you can improve your credit score in time by always making your credit card payment on time, settling loans that are already in default, and acquiring better money spending habits. To ensure you always make your credit card payments on time, you can set up direct debit payments on your online credit card account. You can also do a balance transfer if you have several cards so that you only have one account to worry about, and not end up missing due dates.

Tuesday, November 13, 2012

Business Cash Advance of Rapid Capital Funding Vs Traditional Business Loans: Which One IS Better?

Are you in dilemma as you are unable to make a choice between business cash advance programming of Rapid capital Funding and the conventional business loans? If you delve deep into this matter you will find no difficulty in finding that from every possible way availing the merchant cash advance scheme is undoubtedly a better option.

Well, getting traditional small business loans is undoubtedly a cumbersome job. You need average credit, plus we also require a substantial down payment along with defined terms of use. And more so if you want to secure business financing loans from the banks you face more problems in getting approval. Banks are apprehensive about the risk factor of any small business dealing and therefore show reluctance in meeting the need of loan financing and stuff of the businessmen.

However Rapid Capital Funding can free you from any such kind of hassle. Even the business with bad credit may get working capital for running business and for that there are no hidden fees or any other specific terms of use. It will never impose outstanding credit requirements in front of you.

This unsecured business loan is ideal for all the budding business. On the contrary the traditional lending organizations at times show unwillingness to approve small business financing even to the owners who have excellent personal credit. Especially banks have the inhibitions and also are fearful about the high risk factor being involved with any kind of business development. The rest of the organizations who exist provide funds but are extremely selective in this matter. The business advance of this Rapid Capital Funding is definitely the call of the time. Its motto is to get money easily and start business immediately.

Apart from capital you must need for a number of reasons and also for effective functioning of your business. Either for marketing your products or for renovation processes you need a steady flow of cash and thus let your business to flourish within short span of time. Getting approval of money from the existing lending resources is time consuming and often is unable to meet your needs at all. However it is small business cash advance being provided by Rapid Capital Funding is what you opt for. Within a time period of only twenty four hours you can bring home your required money for business and what more.

Do you know that this alternative funding programs of Rapid Capital Funding offers you 0,000 as unsecured cash advance and that too within 3 days? Plus this amount also gets transmitted to bank account in less than 7 days. You will also get the respite from signing any kind of paper work or document, tax returns that are mandatory in case of other organizations.

Last but definitely not the least, the merchant advance of this Rapid capital Funding has more advantage. It is completely devoid of all those fixed payments and security collaterals. Thus, now even if your business undergoes a rough phase, you still do no need to worry at all as this aforementioned program has been solely designed to acclimatize with the several ups and downs of your business.

Saturday, November 10, 2012

5 Reasons Why You Need To Have Marble Flooring in Your Home

Marble flooring has been a popular option among home owners for many years. This is due to many reasons. First of all the marble floor gives a white and cool appearance to the house. It gives a feeling of comfort. The demand of marble flooring in houses of warmer climates is high. In the hot weather of summer, one can achieve a cooling effect with marble flooring in the house. The floors made from marble thus lend a soothing ambience to your surroundings and hence remains a popular choice.

Marble is a natural product. One can get high finish and quality of marbles. A person can easily find wide variety of patterns available for marble flooring. With the wide variety of patterns, a person can create the best flooring pattern suitable for the house. As there is a wide range of marble colors and patterns available for flooring, marble never goes out of style. This is one of the reasons, which has boosted the popularity of the marble floors.

The third and one of the most important points, which make marble floors a popular choice is the durability that is associated with the marble flooring. If installed in a proper fashion, a marble flooring can last long. When a person lays marble flooring, then it should be treated with sealant to ensure that it is stain resistant. This sealant would protect the flooring for almost a decade, provided the annual maintenance of the floor is done on a regular basis. Marble can survive almost all spills if it is cleaned up properly. The stains caused by strong acidic liquids can also be removed with professional help.

Marble flooring requires less maintenance and thus attracts more homeowners. Cleaning of marble floor is a simple task. One can mop the floor with hot water and leave the floor to dry. A person can also add mild cleaning liquid to the floor. Remember the cleaning product needs to be pH neutral, bleaching free and non caustic. If a person would opt for the suitable marble floor cleaner, then he would be able to increase the shine and durability of marble floors for more than a decade.

Unlike ceramic tiles, marble flooring retains the natural quality of marble, which adds to its advantages. Marble has the natural ability to remove the bacteria and viruses that gathers on the floor. Thus, a person can have a healthy environment in his house. Many people prefer marble flooring as it helps check the spread of disease germs and infections.

All these factors have increased the popularity of the marble flooring in the last few years. Marble floors are preferred by people in different parts of the world. Marble floors give a brilliant look to the house. Many interior decorators prefer the use of marble as it is easy to decorate a house with marble flooring. As marble floors are available in variety of patterns, one can select an attractive design and avoid the use of floor carpets. One should do the marble flooring of the house professionally to get maximum comfort in all seasons.

Monday, November 5, 2012

Make A Fortune With Online Gold Bullion Trading

Online gold bullion trading reduces the costs associated with gold trading on cash basis while stabilizing your portfolio in hard time. Here is how to trade gold bullion on the web.

Gold is being traded from the ancient times. In this unpredictable world, its significance as an investment has increased manifold. Trading gold with margin is very common. As with forex, you can trade gold with little minimum initial investment. This is facilitated through the margin and leverage. But trading gold with high leverage is highly risky. So many people prefer to trade gold on cash basis. But on cash basis trading, you have to worry about the security and storage. But if you know how to trade gold bullion online, most of the concerns are no longer valid. There are many websites who facilitate the online gold trading and also store it safely for you.

Experience High Liquidity with Online Gold Trading

Trading gold bullion online has many advantages. Buying gold carries a problem of liquidity with itself. Suppose you buy gold of weight one kilogram as investment. If you wish to offload 10% of the gold, it can not be done. You have to find someone who is interested in buying the whole package. This seriously limits your ability to adjust your portfolio. Online gold bullion trading allows you to sell a part of your gold investment offering you more flexibility and control over your investment. Online gold bullion trading increases the liquidity of your gold. Knowing how to trade gold bullion online is helpful for your investment.

Advantages of Online Gold Bullion Trading

Online gold bullion trading allows you to buy gold with small investment of $ 100. Online trading has opened the doors of gold investment for small investors as well. Online gold bullion trading allows you to trade gold at the current market prices. Online broker charges a small commission for facilitating a trade. But the commission is paltry. If you invest a significant amount, you pay even less commissions. The online gold bullion trading allows trading round the clock. It is available 24 by 7. Trading gold bullion online allow you to save on storage cost and security concerns. If you buy the gold bullion online, the broker will take care of the storage for a minimal charge. Broker stores the gold in secret vaults in different parts of the world. The gold stored is insured against natural calamities, theft etc and usually the insurance costs are also low as the gold is usually safe. If you get acquainted with how to trade gold bullion online, your portfolio will get an option of unleveraged investment.

Gold Investment Can Offer Hefty Profits

The importance of gold is realized during the recession. During the turmoil, equity performs well under expectation; your hard earned saving gets eroded with rising inflation. There is pessimism everywhere. Investors across the world look to park their money in safe heaven. Gold doesn't lose its value over time. Most investment products lose their value over time. If you want to make serious money, it is important that you not only make money in a bull market but also in bear market. Gold investment will make money for you in bearish environment and also make up for the erosion of your other investments.
Investment in the yellow metal carries some costs with it. But if you know how to trade gold bullion online, you can cut down on those costs and make your portfolio shine with gold.