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“The true state of the economy is measured in tangible things like goods sold and shipped, the price of bank stocks, and the yield on treasury notes, not fairy farts and unicorn whispers.”

-Abraham Lincoln (did not say this)

Rail Freight Volumes– an accurate indicator of goods purchased and shipped for all sales, including online and retail

economic collapse indicators

Deutsche Bank– one of Europe’s largest central banks and a pulse of the Western monetary system

deutsche bank collapse

US Treasury 10-Year Note Yields– when yields are low, it means investors who see no other viable investment are piling into this safe haven financial instrument to avoid risk

401(k) and ira to gold rollover

10 year treasury note yields all time historic low

The Cass Freight Index measures the economy based on the companies that “represent a broad sampling of industries including consumer packaged goods, food, automotive, chemical, OEM, retail and heavy equipment.”

cass freight index tells real story on economy

Too Big to Fail Bank of America is breaking and testing new lows in 2016. With up to 50 Trillion USD in leveraged, unpayable derivatives, B of A like the other major banks right now can barely stay afloat, and less goods purchased by consumers means less financial products sold by banks.

bank of america stock

Ok, so that was technically 5 charts. But you get the picture. Other items to consider but no chart was available for:

Unicorn Whispers– If unicorns were real and one looked like this, then maybe I’d take its magical word on the economy without regard to facts. But only if it had a ninja cat brandishing a golden pistol riding atop its back, through an exploding rainbow.

401(k) and ira to gold


(video report: May tax returns showing economic slowdown)

return to the Gold IRA guide


When you’ve finalized the decision to get a Gold IRA or 401(k) to Gold Rollover, then it’s time to get down to the nitty gritty of what makes a good gold IRA custodian worth their salt.

 4 Questions to Ask Your Potential Gold IRA Company 

gold ira account company investmentA few crucial factors will come into play which you’ll need to determine to save yourself time, peace of mind, and money.

1. How much and what kind of fees will you be paying?

*If you have 100% of your current 401(k) or IRA in the stock market or bonds, then you may consider putting 30 – 40% or more into a Gold IRA.

A Gold IRA with low and flat fees, and ideally no account opening fee, is going to maximize your returns. You don’t want to be paying scaled fees that penalize you for investing more into your Gold IRA or losing a sizable chunk up-front either.

Dealing with a Gold IRA specialist instead of your run-of-the-mill already established brick and mortar metals company means you’ll avoid the salesy attempts to up-sell you on rare and exotic (worthless) coins that have high markup, and aren’t necessary for a gold IRA.

Note: A Gold IRA must contain only the legally accepted gold, platinum, and silver that qualifies to be in a Gold IRA according to Federal standards. There are only a select number and type of metals and purity that qualify to be included in a Gold IRA, and your company will know.

2. How long will it take to open or roll over a new gold IRA?

gold ira processing time*Some investment companies and gold dealers will take 30 to 90 days to open a Gold IRA for you. The best companies offer account opening times of 15 days or less.

Note: Refuse to work with any gold IRA or metals investment company if they get your info and then fail to follow up with you or won’t walk you through the steps patiently until you feel good about everything.

3. Where is the gold in your gold IRA?

*Where is the actual gold stored? Can you take physical delivery, should you choose? How safe is the storage facility? Is the gold stored separately or all in one giant collective account?

Note: Some companies do not separate physical gold storage, which could lead to a lot of problems- especially if several investors suddenly called in to take physical delivery of their gold. Most reputable gold IRA dealers maintain separated storage at a professional and secure facility, and also allow for physical delivery to their clients.

bbb gold ira 4. What are other people saying about your gold IRA company?

*Look for companies with substantially more positive reviews than negative ones, check with the BBB and Trustlink as well as other consumer advocate groups to check up on them.

Note: Answer the questions: “Do I enjoy talking to and dealing with people from my Gold IRA company? Inevitably I will need to call them from time to time, so do I like dealing with them on a regular basis?”

I reviewed all the major gold IRA investment companies (listed below), and long story short…

best gold roll overThe #1 Rated Gold IRA was Regal Assets.

Meeting all our criteria from above, it:

*has no account opening fee (savings of $700), and all yearly maintenance fees are minimal and flat ($250)

*has an account opening time of 7 days or less

*stores all gold separately at Brink’s secure storage, or delivers straight to your doorstep

*has the highest number of 5-Star reviews by actual consumers when compared to all other Gold IRA companies out there

That’s why we recommend Regal Assets as the best gold IRA, and we’re not alone.


“After continued disappointment with the stock market I asked my accountant about rolling over my IRA and Annuity into a precious metals IRA he said Regal Assets were the best and he was right! Collin made the entire process super easy and they did exactly as promised. Within a few days I owned gold & silver and could not be happier. I will be adding to this account with confidence, I would recommend them to anyone seeking a precious metals IRA.”

Charles M., KS

(see how Regal Assets and other Gold 401(k) and IRA rollover companies compare)

“After investigating several Precious Metal IRA companies I decided to do business with Regal Assets. They seemed to simplify and expedite the process without any confusion. After discussing this investment with Collin Plume it was clear that I had made the right decision. He and his team handled the transfer of funds from an existing IRA and purchase of the Precious metals in a matter of a few days. The experience was positive and painless. I highly recommend Regal Assets and Collin Plume to anyone contemplating the peace of mind and safety of a precious metal IRA investment.”

-Brian, NJ

Other gold (and investment) companies we reviewed:


Merit Gold and Silver

Rosland Capital

JPMorgan SmartRetirement® Income Fund

Hartford Gold Group

Birch Gold Group

Sterling Trust Company

more reviews…

401(k) and ira to gold



World Economy Going Into Decline in 2016


Amazon.com target price downgraded, again

amzn stock ticker symbolAmazon.com stock was just downgraded today, again. What does it say about the real economy when retail sales are down and the internet’s biggest store has been downgraded yet again?

In other Amazon.com news, they are also censoring free speech in customer reviews much like Yelp now.

Amazon.com always asks you to review their products after ordering, it is one of the main drivers of their sales for products as the customer reviews appear directly below a product and are mostly unbiased. After a recent order I wrote 7 reviews that were 5 star and positive, and one 1 star negative review saying I never received the product. Amazon.com published the 7 positive reviews and censored the negative review.

source of life awesome vitaminsThey did not ask how they could help remedy the problem which was never receiving my bottle of Source of Life vitamins and Kirk’s Castile Soap.

Facebook has also censored promoted posts from me because it didn’t fit their political agenda, even though the information was directly from the US Department of Justice. Yelp has deleted my account twice now as well for leaving honest reviews that reflected negatively upon businesses.

$$$$$$$ Sometimes you have to wonder what America has become. $$$$$$$

return to the Best Gold IRA Rollover Home


Where is the Price of Gold Going from Here?

As of today:

*the price of gold surged 4% in just a few days
*the US dollar hit a 16 month low
*oil has reached new lows and is not rebounding (indicator of lack of global industrial and consumer demand, not a glut)

Learn the BEST way to invest in gold during the market crash at http://thebestgoldirarolloverguide.net

Posted by The Most Interesting Investor in the World on Thursday, February 11, 2016


The Best Flooring Options For Your Home

Does Your Home Need New Flooring? Consider These Suggestions

The look of your home is greatly affected by the kind of flooring you choose. The floors also have a lot to do with comfort. Plush carpet is liked by most people. Since most people are constrained by a budget, they have to give up comfort with their carpet, in order to have what they can afford. The flooring that works for the house one family, will not work for another one. If you are looking for good ideas for flooring, that can be helpful, you can find some in this article.

In recent years, cork flooring has become a very popular flooring option for many homeowners. Why is this so? The reason is that cork offers a number of benefits. Many homeowners choose cork flooring because of its appealing look, affordability, and durability. It’s also considered a green type of flooring, as it’s made from the bark of live trees. No trees are cut down just to make cork flooring. You’ll find that there are a number of cork flooring types available. You can go with cork flooring that requires glue or some sort of adhesive. There is also cork flooring that doesn’t require nails or glue. Instead, they are cork planks that just snap together.

If you want, you can apply wood stain finish on your cork floor. Cork is quite affordable, but there is a range of prices depending on the style and quality.

Creative Flooring Suggestions To Help You Decide on the Right Flooring for Your Home

Although kitchens and bathrooms are the areas of the house where tile flooring is often used, other rooms can have tile for flooring as well. Different types of tiles are available. Many of them you can install yourself. A lot of homeowners go with two of the most popular tile flooring types, which are porcelain and ceramic. In terms of appearance, you can go with tiles that have a contemporary look or tiles that are more traditional looking. A variety of designs and colors exist for tiles.

Many homeowners like tile flooring due to its durability and ease of cleaning. With tile flooring, it’s easy to replace any damaged tile.

Linoleum floors were once popular, but eventually were considered old fashioned for some reason. Since people are beginning to use linoleum again, its benefits are being recognized again. Linoleum is considered as green flooring since it is all natural, so this has environmentally friendly people installing it in their houses. Since it comes in tiles or sheets that contain adhesives, installing linoleum is quite easy. A good reason to use linoleum is because it will last a long time without getting damaged, and it is water resistant and easy to clean. Linoleum is a practical choice that is durable, even if it isn’t the fanciest flooring. Most of the Americans go wrong in selecting the Gold IRA. It is a new concept declared in market.You can view online videos of that and get knowledge of it.

The flooring type you choose needs to be one that matches your home or the room you want the flooring installed and it should also be something you can afford. And once you’ve chosen the type flooring, you’ll still need to decide from the many variations within that flooring type. You will have to make a decision on the color, style, and material of the carpet if you want wall-to-wall carpet flooring, for instance. You’ll be doing the same thing if you decide on ceramic tile or hardwood flooring. Remember these tips we’ve shared with you. Hopefully, they’ll help you in picking the type of flooring that will give you many years of satisfaction.

Recommendations For The Best Choices In Flooring


Look Younger with Anti Aging Products

Anti aging Products
Nobody wants to look older. A majority of us would prefer to look younger than we truly are. We put a lot of thought into managing our skin and bodies and keeping them in good shape for as longs as we possibly can. Certainly, this doesn’t equate to a complete halt of the aging process. With the right anti aging products, however, we can put the wear and tear of our skin off for as long as possible. So how do you know which products are right for you? How can you tell which products you should purchase? How can you know which products will literally complete the job they are being use for?People think of plastic surgery most of the times but it has various pros and cons.You must take care of your skin by consulting with skin specialist.

Fight Aging with Anti Aging Products

The first step is figuring out just how much damage is already present. If you are just starting to show signs of aging you can usually prevent further damage by developing a good skin care routine. If the damage is extensive you might need to consult with your physician before you start spending a lot of money on anti wrinkle creams or other skin repair products. By assessing the damage already done to your face you will know where your starting point should be. Before you begin visiting specialists or shopping for products, however, you should set a limit on how much you are willing to spend. If your budget is limited, don’t let anyone sell you on costly treatments or products. If it’s within your budget, though, you may want to consider certain surgical procedures or a chemical peel. Lots of people, of course, can get the results they are after without resorting to options such as these. You should only consider procedures like this if you feel they are essential for some reason. People selling products and treatments can try to pressure you, which is why it’s good to have a budget that you stick to.

Don’t select an anti aging product because it’s the first one you noticed. Find out what else is out there. You should always consider several different possibilities. By carefully considering your purchase, you stand a much better chance of finding a better product at a lower price. This is a good rule to follow no matter what you are buying. When it comes to shopping anywhere, most stores will give you a better deal if you point out that you can get the same item elsewhere, for less.

You can reduce the symptoms of aging in quite a few ways. Whatever techniques you use, anti aging products can be beneficial as well. Talk to your doctor or dermatologist. He or she might be able to help you figure out what the best approach for fighting the signs of aging is for you. Don’t forget the importance of fact gathering and shopping around before you make decisions about what to buy. You can improve the quality of your choices by doing sufficient research. Then the products you choose will be the right ones for you and you won’t be overpaying for them.

How to Shop for Anti Aging Products

income and biz tax advice from a professional

Ramon Answers Your Business and Income Tax Questions

1. What is the best state to incorporate a new business in the USA? 

The best states to incorporate in the USA are Nevada and Delaware.  

Some potential advantages of incorporating your business in Delaware include:

  • Delaware’s business law is one of the most flexible in the country.
  • The Court of Chancery focuses solely on business law and uses judges instead of juries.
  • For corporations, there is no state corporate income tax for companies that are formed in Delaware but do not transact business there (but there is a franchise tax).
  • Taxation requirements are often favorable to companies with complex capitalization structures and/or a large number of authorized shares of stock.
  • There is no personal income tax for non-residents.
  • Shareholders, directors and officers of a corporation or members or managers of an LLC don’t need to be residents of Delaware.
  • Stock shares owned by persons outside Delaware are not subject to Delaware taxes.

Some potential advantages to forming a corporation or LLC in Nevada include:

  • Nevada has no state corporate income tax and imposes no fees on corporate shares.
  • There is no personal income tax or any franchise tax for corporations or LLCs (but initial and annual statement fees and business license fees apply).
  • Shareholders, directors and officers of a corporation or members or managers of an LLC don’t need to be residents of Nevada.

One must remember that even if you incorporate in either of these states, you may be required by the state in which you reside to also incorporate in that state.  Depending on where you are, this may require you to pay certain income or franchise taxes.  Make sure to consult with a tax professional or a legal expert before going through with incorporation preparation.

2. What is the bet state for income taxes in the US?

There are actually 5.  They are, in no particular order:

Texas, Wyoming, Washington, South Dakota, Nevada,

In these states you do not have to pay an income tax. However, regardless of what state you live, you’ll still have to pay a Federal Income tax.

One thing that people forget, is that even though you may not be paying an income tax, these states still need tax dollars to fund them and their projects.  So where does this money come from?  

Easy!  From other taxes.

These no income tax states typically have a higher sales tax rate and higher property tax rates.  The opposite can be said of other states that do have an income tax.  Their property and sales tax rates are typically lower than their counterparts.   

3. How can governments ward off corporate inversions in the future?

The easiest way would be to have 1. low tax rates so companies have an incentive to stay in their home country and 2. close any loopholes that allow companies to renounce their citizenship while at the same time still benefit from their home country’s tax laws.  

Although they sound easy, in reality it would take focused and joint efforts from law makers, policy makers, and legal and tax experts to come up with a tax rate and plan that would be a win-win situation for governments and corporations.

Ramon Santillan is a Tax Accountant with over 13 years of experience with Federal, State & Local experience with deep knowledge of Fixed Assets. As a previous Big Four Tax Accountant as well as owner of a Boutique Tax Firm, he enjoys working on complex tax issues and does one-on-one consulting with clients ranging from individuals to Fortune 500 companies.

You can work with him by contacting below:



Thanks for visiting our Gold & Taxes Help Website




A Look At the Tendency Towards Over Parenting

One of the worst things you can do for your children is to over parent them. If you do, they will not learn as much as they could if you would simply let them try. When kids have overly obsessive parents who are always concerned about their grades, or how they perform at school, they can also be guilty of over parenting. Instead of trying to micromanage your kids, you need to encourage them instead. In this article, we will show you the downfalls of over parenting, and what you can do to improve in this area.

All parents try their best to help their children have all the tools they need to do well. Simply playing with their friends is showing them how to behave with others and this is necessary. So it’s critical that you form a positive perspective on everything to the extent possible. Kids are smarter than we all think, and they’re capable of making their way through most challenges.

Maintain a healthy and safe distance and just watch what your child does, and then offer some guidance. Would you want to have a career at a place of occupation where you were severely micro-managed?

Its very well known that some kids are doing things because it’s the parent who pushed them to do it. This may be a sport or other activity that the child may or may not like or have any aptitude for. If you’re pushing your son or daughter to take lessons or attend classes in certain activities just because you think it’s important, make sure he or she really shares this interest. All kids have certain interests and talents, but just because you loved hockey or ballet as a child doesn’t mean your child also will.

Don’t be the clueless parent who has some problems, and then you act them out in a way that impacts your children.

Your kids need to fall down, make mistakes, get their knees scraped and all that good life stuff. Now, this does not mean you allow your kid to fall out of the tree if you’re there watching. Doing their homework, a report or school project for them is a good example of this, and the whole point of such assignments is to teach kids important skills.

There’s just so many negative side effects when there are over parenting issues at play. So you’ll need to find a way to breakout from being that kind of parent. Be patient with yourself, and it’s a good idea to talk to someone if you feel that you need to do so. Just be sure that you give your child the best chance possible to grow up healthy and with good social skills.

Back to Gold IRA Rollover and Investments Guide


The Most Popular 3 Tax Questions Answered

tax advice from a professional

Ramon Answers Your Top 3 Tax Questions

In my 13 years as a Tax Accountant working for Big 4 Accounting Firms, Fortune 500 Companies, High Net Worth Individuals, and owning my own Tax Firm, they all want to know one thing: How Do I Save Money On My Taxes?

Below you will find the top 3 Tax Questions and how you can apply them to your situation.

1. I run my business from my house. Is there anything I can do to reduce my taxes?

If you’re like most business owners and you do work from home from time to time or even if you have a home based business, you can probably use the Home office deduction. This means that you’ll be able to take some of your home expenses and convert them into business expenses. There are several methods (described here: http://www.irs.gov/Businesses/Small-Businesses-&-Self-Employed/Home-Office-Deduction) however, the easies one is where you take the total of your expenses and figure out how much of that is for business. You then take that percentage as a deduction. For example, if you pay $100 a month for internet access and you calculate that maybe 35% of the internet use is for business, then you’re able to count $35 ($100 * 35%) a month as a business expense.

You can do that for anything that you use for your business. Especially now that you have a house, you may have a little home office you use solely for business. Let’s say that room is 10% total of your house and your monthly mortgage is $2,760. That means that every month you can take $276 ($2,760*10%) as a business expense.

tax help for small businesses and retirees

2. Do I need to file a tax return even if I didn’t make any money?

Although you are not required to file anything if you didn’t have revenues of at least $600 (revenues is money coming in regardless if you made profit), it is beneficial to file since you are able to possibly pass some of those losses to your personal tax return.

If you are able to take losses in your personal tax return, your personal tax due may be lowered. Of course, the only way to determine this is to actually prepare a tax return.

Another reason for filing your tax return is so that, in the off chance the IRS audits you, you will have all your ducks in a row. Sometimes the IRS finds these companies that have not filed and assigns them the amount of tax due based on what they think you’ve had in revenue. The only way to prevent this is by showing them that you did not make any money. The best way to prove this is by filing your tax return.

Also, see about how a Gold IRA can be a sound safe haven from taxes and a long-term asset here.

3. What’s the easiest way to save on my taxes?

The easiest way to make sure you’re saving as much as you can on your taxes is to make sure you keep track of your business expenses. If possible, open a separate checking account that you use solely for business. This will not only make it easier for you to gauge how much money you’re making/losing, it also makes it way easier when you’re figuring out your business tax return at the end of the year. Otherwise you’ll just have to sit down or pay someone to sit down and go through your bank account trying to figure out if the $35 you spent at Best Buy was for personal use or for business expense. You don’t want to get stuck in that situation.

Ramon Santillan is a Tax Accountant with over 13 years of experience with Federal, State & Local experience with deep knowledge of Fixed Assets. As a previous Big Four Tax Accountant as well as owner of a Boutique Tax Firm, he enjoys working on complex tax issues and does one-on-one consulting with clients ranging from individuals to Fortune 500 companies.

You can work with him by contacting below:

Ramon Santillan answers your tax questions

Additionally, sometimes avoiding common errors can save you a headache on your tax return too.