Certified Diamonds – GIA, EGL, AGS, Which Diamond Grading Lab is Best?

There are many opinions within the jewellery trade about which grading lab is greatest when selecting a diamond. The difficulty with these opinions is that they are often jaded as a result of the particular person/enterprise providing you with the opinion desires to promote you their diamond. Their opinion on which grading lab is greatest is determined by what lab has graded their diamond, how handy is that? In the event that they personal a diamond licensed by EGL then they inform you that EGL is greatest, if they’ve one other diamond owned by GIA then GIA is greatest. These are biased opinions and you ought to be very cautious as to how a lot weight is given to them throughout your determination making course of.

How are diamonds licensed?
The “Large Three” grading laboratories as I wish to name them have comparable processes for certifying diamonds. This course of includes a number of Graduate Gemologists independently assessing and agreeing on the colour, readability, and carat weight of the diamond. This helps scale back the chance for human error when figuring out the ultimate grade for the diamond, though it does not get rid of it. You need to take into account the undeniable fact that there isn’t a precise science behind diamond grading. I do know the grading methods sound official and science like however they’re actually aren’t. Ponder this assertion for a second, “No two diamonds are precisely alike.” With that being mentioned, how may two totally different diamonds which aren’t precisely alike be graded precisely alike? In actuality they can not be.

The opposite essential reality is that the ultimate high quality grades are selections or opinions not scientific calculations. So if they’re opinions and each diamond is graded by totally different labs and totally different graders then how may there be any consistency? Reality be identified, grading labs have a troublesome time with that, no matter which lab you speaking about. As an instance for instance, that you simply ship a 鑽石gia for certification and it comes again carat weight – .50ct, clarity-SI2, Shade-H. Then, you throw away the certification and ship the diamond again for a second grading as if it have been by no means graded earlier than. The prospect of it coming again SI2, H once more might be 80% and 20% that it will come again totally different. So the grading and certification course of is considerably flawed to start with. If you cannot get one grading lab to constantly agree with its personal grades, how may you anticipate different labs to agree with one other? Once more, there is no simple reply to that query and as an trade we nonetheless haven’t got it found out.

From a client standpoint the most effective strategy to purchasing a diamond is to make use of your greatest judgment. Learn the grading report from no matter lab licensed the diamond and study each the diamond and the certification. Use the certification as a rule of thumb or a place to begin, do not use it as the tip all be all. Find out how the grading system works after which evaluate diamonds aspect by aspect beneath the microscope and resolve for your self which diamond seems to be higher.

GIA, EGL, AGS, GIA – Gemological Institute of America EGL – European Gemological Laboratory AGS – American Gem Society
Just lately, GIA appears to have the most effective popularity for grading diamonds precisely. I problem this as a result of I’ve seen and in contrast many diamonds from all three labs and witnessed inaccuracies in GIA grades as typically as EGL and AGS. I imagine that GIA, EGL, and AGS are the three greatest options for buying diamonds nevertheless, I do not really feel one is best than the opposite. One attention-grabbing reality is that you’re going to pay 15% extra (on common) for a diamond licensed by GIA as a result of their popularity seems higher than different labs. The issue with that’s that EGL and AGS are completely able to grading a diamond as precisely as GIA, and often do. So if that’s the case, then why would pay extra for a GIA licensed diamond that has the identical grade as an EGL or AGS diamond? The reply is that you simply should not! Among the finest offers within the jewellery trade is a diamond licensed by EGL; it’s because some jewelers assume that EGL is not graded as conservatively as a GIA. Ultimately many jewelers value an EGL licensed diamond at lower than GIA or AGS stones. This I imagine is a mistake as a result of in my expertise the grading for all three labs is analogous. For a client although, buying an EGL licensed diamond is a superb alternative to purchase a effectively graded diamond for a lot lower than you need to.

camera dahua

CCTV Digital digicam Info:

– The video signal of the CCTV digicam is encoded and ate up to a 110-volt vitality line

– Every camera Dahua moreover has a companion decoder that could be plugged into even a typical house owners TV set

– Makes use of commonplace video output using line-level RCA form cables

– Inbuilt infrared system for seeing pictures clearly even in entire darkness and as a lot as a most of 30 ft

  1. Fantastic Sturdiness

The CCTV digicam has already been examined and it effectively works even when using 2000 ft of AC wiring. And even if the power line is already loaded with totally different house tools similar to fridge motors, heater parts as correctly totally different peaks and dips the CCTV digicam will nonetheless have the power to ship good and clear pictures even beneath such circumstances. When it comes to wide-angle viewing, the CCTV digicam is certainly the right inside the lot and is taken into consideration a incredible various.

  1. Blazing Aspect

CCTV cameras are terribly delicate by way of being able to ship readable pictures even with solely minimal lighting. You’ll be capable of actually enhance this infrared performance of the CCTV digicam everytime you add some supplemental infrared floodlights.

Moreover, the CCTV digicam is a very plug and play applicable surveillance digicam for any system using commonplace RCA connections. You may too plug the video feed of the CCTV digicam on to your VCR and also you’ll actually file the captured pictures instantly. With the CCTV digicam, you probably can monitor the pictures via your television set otherwise you probably can take the tape with you and really play it on a definite VCR.

For people who want to have further particulars concerning the CCTV digicam along with how the CCTV digicam will enable you to’re feeling protected in your home along with the price listings of the CCTV cameras, people can merely merely buy it via the net whereby quite a few internet pages regarding the CCTV digicam abound, you merely should have the power to withstand the urge to easily buy any outdated CCTV digicam that’s being equipped on the market at current. There are actually numerous fraud CCTV cameras whereby they put it on the market off inexpensively, duping their prospects into pondering that they’ve been able to ranking a reduction nevertheless truly these are merely low-cost imitations and don’t truly carry out that correctly.

evg paris

As the home of French soccer, basketball, rugby and completely different sports activities actions, and with its cutting-edge companies, EVG Paris gives an inspiring and thrilling maintain. In between the teaching intervals and worldwide video video games, the city moreover boasts a wealth of various actions that could be pursued. Listed under are only some ideas for individuals who want to revenue from their faculty sports activities actions excursions on this nice metropolis.

Of specific curiosity to those visiting Paris on faculty sports activities actions excursions is the nationwide stadium, the Stade de France. It’s the fifth largest stadium in Europe, and a formidable building even by worldwide necessities with its three galleries, massive screens and a seated functionality of 80,000. Though constructed fairly simply recently it has a prestigious place in sport historic previous, having been the placement of some historic sporting events, such as a result of the 1998 World Cup Final between France and Brazil – for which the stadium was constructed. In case your faculty college students are soccer or rugby avid gamers this may be an notably inspiring attraction for them, and the stadium tour gives a great deal of notion into French and worldwide sporting custom and historic previous.

Along with pushing faculty college students’ sporting boundaries, faculty sports activities actions excursions present a great deal of curriculum crossover options. Paintings faculty college students amongst your group will certainly revenue from a go to to the Louvre, although most friends – whether or not or not they’re discovering out art work or not – will admire the prospect to see such iconic works as a result of the Venus de Milo and the Mona Lisa. The establishing itself is a recent icon, with its glass pyramid set off in direction of the medieval construction of the precept gallery – as quickly as a fortress. The collections are too big to see in a single go to, nonetheless a tour of the highlights is spectacular enough and gives a soothing counterpoint to sporting actions.

Paris may be a sporting capital, nonetheless it’s normally a culinary one! Spending time in France means the prospect to have the benefit of just a few of Europe’s finest meals, notably as a result of the demanding bodily actions involved at school sports activities actions excursions usually tend to assemble up a healthful urge for meals in your youthful sports activities actions fanatics. Whether or not or not taking a break in a Montmartre café or having enjoyable with an expensive evening feast at thought-about one in all Paris’s ambient consuming locations, your faculty college students can admire probably the greatest of the city’s meals – a correctly earned cope with and a provide of energy for as soon as they return to the teaching flooring.

decoratrice toulouse

Let’s take shabby stylish decor. It is so charming and stress-free, the proper decoratrice toulouse for the house of a real southern belle. The romantic model of shabby stylish lends itself to the relaxed, unpretentious character. Are you able to paint? If that’s the case, this can be the proper dwelling decor for you.

In shabby stylish decor, most furnishings and accents are worn trying, with a distressed end. Put a lightweight coat of white paint on a couple of image frames, an finish desk, or a rocking chair. Sand flippantly, till the end seems to be slightly worn. You have simply added a private contact to your distinctive model of dwelling decor!

Love nation decor? This is without doubt one of the most liked kinds, particularly within the south. Persons are completely loopy about roosters, sunflowers – something with plenty of heat colours. Nation decor is so heat and welcoming, particularly within the kitchen. That is truly my favourite model of dwelling decor (and I’m from the south, I will admit).

When adorning with nation decor, plenty of wooden actually provides to the look. Pine wood flooring are particularly beautiful, with the glowing reflection of every part within the room. Need to add your personal private contact to nation decor? Crochet a couple of doilles, construct a rustic model wall shelf to carry a few of your knick knacks. Add your private contact to your personal dwelling decor!

If western decor is your favourite, this one’s simple. You like horses, cowboy decor, horseshoes, every part western. A giant Texas star hanging on the wall, metallic wall decor and candleholders in western shapes resembling horses or horseshoes. A campfire cowboy figurine setting on the espresso desk, together with some outdated western e-book favorites.

Western decor is a well-liked dwelling decor model in lots of states like Texas, Wyoming and Montana. Massive open areas is what western is all about. So as to add your personal private contact to western decor, go exterior! Discover an outdated wagon wheel, some outdated horseshoes, some rope – and make one thing distinctive so as to add to your property decor! Use your creativeness.

There are lots of different kinds of dwelling decor, too many to say. However you get the purpose. Everyones model is exclusive and totally different, and every individual likes their very own factor. No matter you like – nation decor, shabby stylish decor, western decor or one thing altogether totally different, make it your personal! Add your personal distinct contact to your model of dwelling decor.

magicien mariage

Let’s begin by remembering the truth that all through your wedding ceremony day you may be the centre of consideration, and so naturally your thoughts is not going to at all times be on the final welfare of your visitors, particularly throughout the pictures the place you’ll seemingly be occupied for a few hours. That is the place a magician can step in so as to add that additional dimension to your visitors wedding ceremony expertise and offer you peace of thoughts realizing that they’re in good palms.

A great magician can just about work throughout any a part of your BIG day (besides after all the precise ceremony!) This makes a magician extraordinarily versatile, slotting in with ease and never disrupting the move of the occasion.

The next are well-liked occasions when a marriage magician can wow your visitors.

In the course of the pictures
Because the formal wedding ceremony images solely contain chosen teams at a time, most of your visitors will likely be standing round ready or partaking in small speak with household and previous buddies. This can be a excellent time for a magician to offer them with an unforgettable expertise whereas on the identical time serving to to interrupt the ice between totally different teams of visitors.

In the course of the wedding ceremony breakfast
Hiring a magician to carry out at every desk between programs, generally termed table-hopping, is one other well-liked alternative thus serving to to boost the ambiance within the room as you and your visitors applaud, chortle and cheer. Your wedding ceremony day will really feel that little bit extra particular.

In the course of the night reception
This will happen instantly following the marriage breakfast and earlier than the night visitors have arrived, or when every part is in full move and all are current. Both manner, individuals do are usually extra relaxed after all of the formalities are over, particularly the very best man (!!) and a magician can mingle along with your visitors and amaze and enthrall with shut up magic. Some magicians would even supply a present or a brief routine tailor-made for the marriage couple to make them really feel particular in entrance of all their visitors; this may be an very memorable expertise for everybody.

Now it could be fallacious for me to JUST talk about all of the positives concerned in hiring a magician and never take a look at some negatives, albeit only a few that I can consider.

Firstly, the fee. Hiring a good skilled magician isn’t low cost and would often set you again within the area of 5 hundred kilos for a few hours. You probably have the price range, then do it.

Secondly, it would take you time discover the proper magicien mariage. I can’t stress sufficient how essential it’s that you simply put the hassle in, if not, one other draw back is that you’ll seemingly spend the length of the time he’s performing questioning if he’s entertaining your visitors to the usual you anticipate in your huge day. Belief me, you don’t want any extra stress. Sure, it would take time which you’ll not have, however it’s important. See my article “5 issues to pay attention to when reserving a magician on your wedding ceremony” to make this course of rather a lot simpler.

magicien Lyon

There are numerous totally utterly different types of cabaret magician – comedy, typical manipulation act to music, concepts discovering out and so forth. The type of occasion you is prone to be organizing will dictate the type of cabaret magician you’ll require. Do you have to need a great deal of viewers participation and laughter go for a comedy magician, if there could be a great deal of non-English audio system current then go for a visible act equivalent to the manipulator and if it’s a very enterprise oriented environed possibly a concepts reader could be additional suited.

You furthermore see cabaret magicians at comedy golf gear, cruise ships and likewise usually at motivational occasions the place the magic is mixed with a motivational speech.

Drawing room reveals have been almost a ineffective artwork work for just about a 100 years. They have been immensely well-liked with the Victorians the place the gentry would all purchase to take a look at a conjurer carry out magic. In newest cases it’s coming as soon as extra into growth at non-public events the place a magician could carry out after dinner for 30 minutes or so. This might be a mannequin of days handed by and is shut satisfactory for apparently no shenanigans to be occurring nevertheless far satisfactory away to utilize bigger outcomes for everybody to see. For loads of people the last word time they wished a magicien Lyon at their get collectively was after they have been eight years outdated however magicians do not merely work for youths.  This type of present is most associated to a cabaret present however the outcomes are smaller and it’s additional interactive on account of the viewers in just a few toes away.

When selecting educated magician it’s vitally important select appropriately as in any commerce there are “cowboys”.

Questions you may probably need to ask any potential performer you is prone to be partaking are…

How extended have you ever ever ever been educated?
Some magicians could appear good on paper however as all know paper would not refuse ink. Expertise is the important issue on this commerce so make certain that they’ve reduce their tooth.

Can I see you carry out?
The reply is set by the type of performer you is prone to be contemplating partaking. If it is a cabaret magician he could appropriately work at comedy golf gear the place you presumably can go and see him carry out and close-up magicians normally work at resorts, consuming areas and bars on account of the resident entertainer quite a lot of occasions per week. Whether or not it’s open to most individuals then go and see them work. Nonetheless if the performer works primarily at agency occasions, weddings and/or commerce reveals you may probably uncover it unimaginable to see him work reside as these are closed occasions.

Have you ever ever ever acquired a brochure/video I can see?

performers may have promotional kits together with photographs, video and brochure. A great promo gear would not point out they’re a wonderful magician, it might merely point out they know anybody who works at a printing press. An reasonably priced and tatty wanting promo gear would not undoubtedly point out the performer is unhealthy, nevertheless it definitely does present an absence of professionalism and that could be a warning signal. Nowadays some performers don’t have any arduous copy for promotional use on account of it dates so rapidly so there web site on-line acts on account of the brochure. If the web site on-line seems to be favor it was created from reduce outs of magazines then they don’t look like eager about making a wonderful first impression. Would you notion anybody who did not make a wonderful first impression at your occasion?

LLC in California

Many individuals are shocked to study that the LLC enterprise entity is a reasonably latest phenomenon. Wyoming was the primary state to legislate the creation of LLCs in 1977. Most states did not bounce on the LLC bandwagon till 1988 when the IRS categorised the LLC as a move by means of entity for tax functions. This ruling turned LLCs into the favored monster they’re at the moment. Now each state has laws permitting the creation of LLCs and California is not any completely different.

What Are The Benefits To single-member LLC in California?

The LLC enterprise entity provides many benefits to small companies. An LLC goes to supply a protect between your corporation actions and private belongings equivalent to a company. In contrast to a company, there are far fewer company formalities. As an alternative of establishing payroll, you’ll be able to take attracts from the entity. You aren’t required to keep up a stability sheet, though that is beneficial. In brief, the LLC entity is all about flexibility.

Ought to I Kind A California LLC For My Enterprise?

Perhaps. Whereas LLCs provide important flexibility to small companies, California prices an LLC tax that may actually cramp your earnings. This tax is charged in your gross revenues for the “privilege of doing enterprise in California” as an LLC. Fortunate you. Relying upon your scenario, forming an “S” company could also be a greater possibility in California.

Further Tax Points

California permits a single particular person to personal an LLC. This causes issues from a tax perspective. The IRS does not actually acknowledge the existence of LLCs owned by one particular person. The IRS takes the place that you need to have two folks to be taxes as a partnership. Accordingly, it treats single proprietor LLCs as sole proprietorships. The issue with this result’s that you find yourself paying self-employment taxes.

Whereas LLC buildings present important flexibility, the construction just isn’t at all times the only option for a small enterprise. Be sure to communicate with competent tax counsel previous to forming an LLC for your corporation.


Nevertheless, at current, hyundai h100 product is not in inventory, however as a substitute, Hyundai Thanh Cong has launched a product to switch 1 ton H100 truck with Hyundai Porter 150 2019 product. This car is the right different to the Hyundai H100 product.

H150 1 ton refrigerated truck with many enhancements to serve prospects. The frozen Hyundai h150 makes use of a brand new Euro IV customary engine, is highly effective and environmentally pleasant.

Freezer field 1 Porter 150 high quality field closed in keeping with Hyundai Korean requirements. In contrast to typical tanks, Hyundai Porter 150 freezer tanks are specifically designed to make sure the temperature within the tank is at all times secure.

The panel wall is fabricated from Three-layer insulating panels, the panels are firmly linked by anodized aluminum frames to make sure sturdiness and aesthetics.

The barrel flooring consists of two layers, the higher flooring is fabricated from 304 chrome steel, corrugated in opposition to corrosion and rust of chemical compounds, the decrease flooring makes use of Panel insulation to make sure the automobile physique retains a very good temperature.

1 ton freezer truck H150 makes use of Thermal cooling system imported from Korea. The refrigeration of the trunk from –eight ° C to -18 ° C ensures secure and safe transport of meals and meals on lengthy distances.

Seller Hyundai 3S we’re real distributor of this truck throughout the nation. You’ll be able to confer with the worth of Hyundai Porter 150 comes with the next forms of bins.

To ensure that prospects to higher perceive the Hyundai H150 1-ton refrigerated car, we wish to introduce some excellent details about this truck for purchasers to seek the advice of earlier than coming to the showroom to purchase a automobile.

Like many different Hyundai product traces, Porter 150 retains the design of imported phom. With aerodynamic design helps the car transfer simply limiting drag when the car strikes at excessive pace.

Hyunai H150 Frozen has two fundamental colours that are blue and white for purchasers to decide on. Prime quality paint materials helps Hyundai Porter 150 automobile to maintain its contemporary colour over time. High quality imported automobile cabin is created from bearing metal, withstanding the affect of restricted distortion, secure for drivers to take a seat in.

The pinnacle part of Hyundai H150 contains a halogen headlight cluster mixed with warning flip indicators. Halogen lamps for good gentle are simply noticed when the car is shifting darkish. The pair of fog lights on the decrease bumper is beneficial when the car is shifting in situations of lowered visibility fog.

The massive rearview mirror covers all the physique of the automobile to restrict blind spots, the windshield offers a large view in lots of instructions.

Porter 150 Frozen totally furnished luxurious automobile inside brings satisfaction to prospects. Spacious cabin with Three seats, high-grade leather-based, mushy and cozy to assist drive comfortably even driving for a lot of hours. The driving force’s seat progressively adjusts a wing simply.

1 ton refrigerated automobile cabin H150 totally geared up. Two-way air conditioner cooling the summer season warmth. High quality audio system together with helpful Radio / MP3 / USB. Heart faucet meter shows clear details about car working standing. As well as, H150 additionally has energy steering, niches for consolation.

Powering the car is the synchronous D4CB engine block imported from Hyundai Korea. Sturdy and sturdy superior engines meet EURO4 environmentally pleasant emission requirements.

The D4CB engine operates Four-stroke Four-cylinder in-line with turbocharger. 2497cc electronically managed diesel engine producing most energy of as much as 130Ps. The engine is robust and sturdy and delivers gas.

Hyundai Porter H150 makes use of a 6-speed handbook gearbox and a reverse gear for straightforward use.

slickcashloan has many direct lenders for cash advances online

Money advances are quick cash in a pinch, however they shouldn’t be used for simply any motive. As a result of they must be paid again inside a number of weeks, a web based money advance isn’t a solution to each downside. The necessity for most of these loans is rising because the economic system clamps down on these with poor credit score.

The direct money advance lenders are getting a nasty rap together with payday mortgage lenders for prime curiosity and selling a cycle of debt for his or her prospects. What appears to be missed is the quantity of debt bank cards have created for a lot of extra people, however as a result of their rate of interest is decrease the long-term results are missed. Monetary hardship is taking on the nation as folks wrestle to maintain up with on a regular basis prices.

Bank cards have promoted the concept it’s okay to spend past one’s means. Spending traps are created with open balances and easy accessibility to extra credit score. A money advance on-line might help with making an on time fee, however they won’t remedy the debt created by the bank cards.

* You would merely shut your bank cards. One cellphone name can cancel your skill to proceed spending, however is not going to handle the debt. This answer is one which shouldn’t be taken flippantly as cancelling credit score can have a unfavourable influence in your credit score rating. The impact might be non permanent, so in the event you want to take action to maintain your self from additional debt, go forward and shut the account. A brief-term set again is a lot better than maintaining a long-term downside.

* Minimize them up! Shred or take scissors to them, it does not matter, simply put them right into a place the place you can not use them and nobody can determine the numbers for fraudulent functions. Maintain your self from spending on any extra accessible stability so your month-to-month funds will begin making a dent.

* Maintain your playing cards at residence. When they aren’t situated in your pockets, it is possible for you to to make use of them irrespective of how robust the urge to purchase is. you might rethink your buy when money is the one answer.

* Lock them up in a safety field or tuck them away to someplace protected may maintain you from remembering you may have them. When objects are out of sight, they’re typically out of thoughts and your want to make use of them might be curbed.

* Shock your self by actually analyzing your statements. Determine how a lot you can be paying for the objects you bought. On the price you might be paying, how lengthy will it take to repay the stability? Determine within the rate of interest for that period of time and evaluate to the preliminary value. When you may have long-term fee choices, are the objects you might be buying reasonably priced?

* Reward your self with low value or free treats for a job effectively carried out every week or month which you don’t spend in your bank cards. Permitting your self to take pleasure in one thing for a job effectively carried out is an efficient incentive to regulate your funds.

* Some folks can maintain all of it beneath management with one thing referred to as “self-control”. Having the ability to inform your self “no” and nonetheless work your means by means of the mall is a superb ability to be happy with. The identical self-discipline it takes to show away from a second serving to on the dinner desk could be utilized to your funds. slickcashloan has many direct lenders for cash advances online and bank card corporations would love so that you can maintain needing them. For true monetary freedom, it would be best to depend on your self to make your cash work in your favor.

How to buy gold? Australian Gold Price Information

Pension for IT Specialist.

Here it would be necessary to write “what to do in old age?”, “There is no income for the state”, “in our time, everyone should …” and so on blah blah blah and BBB. But I’m too lazy, because – immediately to the point.

What is the main value of gold?

That it is valuable in itself. Just because it is gold. Many people value despicable metal much more than it really costs – this is a purely instinctive impulse. “Eternal and lasting value,” as any marketer will say.

And also?

And gold is moving out of phase with the stock market. That is, when in the economy a typhoon – all investors run into gold, as the most reliable asset. And vice versa, of course … This makes gold an ideal tool for building a “simpleton portfolio”.

What is this portfolio? Everything is simple. Assets are bought, 2 or 3 or more – whoever likes what. According to a predetermined ratio. For example – stocks and gold, in a proportion of 50 to 50. And once a year, rebalancing is performed. If one asset has risen in price, and the other has fallen in price – the ratio is violated, it is necessary to align. That is, to sell part of an asset that has risen in price and buy a cheaper one. As you know, the best method of generating income in any volatile market is to buy low and sell high. This is what our modus operandi contributes to.

About portfolio strategies, you can run my mind for a long time, but today we are not talking about that.

So how to buy gold?

I know a few ways.

I will quote prices where possible. For reference, today’s Gold price in Australia for the Central Bank is 1490 Dollars per gram.

1. Material gold

This will seem to someone the most reliable option. Here it is, always in the hands, you can always sell it, or you can not sell it if you don’t like the price, and go look for another. in theory.

1a. Natural gold: sand and nuggets.

In short – Aus is prohibited by law. In any case, the average IT specialist will not be able to own them.

1b. Bank bullion.

You can buy at the price of the seller’s bank. I looked now in Sberbank – they sell at 1562, buy back at 1422.

It must be understood that if you take the bullion out of the bank, you will have to pay 18% VAT. And they won’t return it when selling!

Another pleasure – personal income tax, if you own an ingot for less than 3 years (or drink the purchase documents) – you will also have to pay a 13% tax.

A bundle of documents is given to the bullion, without them it is very difficult to sell it and the price tag falls.

It must be stored carefully and neatly, otherwise, the bank will not take it, or take it, but with a horse discount – that is, burying it in the garden in the grandfather’s village will not work either 😎

Therefore, an ingot in the category of “material gold” can be fairly classified conditionally.

1c. Coins

Banks also sell. An important advantage is that they are not subject to VAT, but the individual income tax is valid on a common basis.

That is – again, everything is the same: we draw up a pack of documents for each coin and store them no less carefully than the coins themselves. Otherwise – oh. Prices do not please even once. the popular “Victorious”, for example, is sold in savings for 15,200 Dollars. And they buy it back for only 10,500. With a coin weight of 7.78 grams, this gives us a 22K gold rate in Australia of 64.8 AUD. almost one and a half times more expensive than gold quotes. But they buy it cheaper than the Central Bank rate if it comforts someone 😎 Yes, and you need to store it almost in a hermetic box, otherwise the bank will start to turn its nose back.

1d. Jewelry.

A popular topic is to buy jewelry with the lowest added value in the form of work. For example – the cheapest wedding rings. It will cost about 2000 dollars per gram. However, hunters are guarding all kinds of promotions, which sometimes gives results almost below the official rate. You just need to understand that the test of such cheap products will never be 999, but something simpler. 375, for example. But here you are already a complete master: at least bury it in the ground, at least sell it in the gateway. Neither documents are required, nor the submission of a personal income tax return. That is, according to the law, of course, it is necessary to file and pay a tax return. But … options are possible 😎

It is considered the best option for the “survivors” in case of any disaster.

2. Virtual gold.

There is only one option – mandatory medical insurance, depersonalized metal accounts. Everything is pretty primitive here: you come to the bank and open a “deposit”, a procedure, I think, familiar to almost all people these days. Only on the account are not Dollars, Tugrik dollars, but grams (well, or tons of especially rich Pinocchio) gold. Or silver, at worst. They even – theoretically – can be obtained from there in the form of bullion, you only have to pay VAT. MHI itself is not subject to VAT. Income is taxed as usual.

What’s bad: this account fully inherits all the risks of the bank, because it does not fall under the deposit insurance system.

There is still a spread between buying and selling – in sober it is the same as for bullion. That is, if you open an account for 10 grams of gold today, and close it today, the loss will be 1400 Dollars, almost 10%.

There are kinder banks with lower margins. It also happens that the bank accrues a certain insignificant percentage on the urgent CHI.

A variation of compulsory medical insurance is the purchase of ingots without removing them from a certified bank vault. Documents are issued as if you bought bullion, but you do not need to pay VAT.

3. Mutual fund.

no less than a dozen mutual investment funds with the suffix “GOLD” work in the market. Large banks often spin them. The problems, commissions, and risks for them are all approximately standard for the mutual fund scheme in general:

  • – You will have to pay a percentage of the management company regardless of the results of its activities
  • The difference between buying and selling is significant
  • Additional commissions are often applied in case of an early exit from the fund
  • – The inability to change the management company without selling assets
  • – Unit prices are under the full control of the company. he wants – tomorrow everything will be worth 10% of yesterday. and you won’t do anything.

What is also interesting: at least some of these funds (the largest), which I looked carefully at, do not store assets in gold at all. And in shares of other funds, foreign, which are certainly gold, yeah…

4. Well, my favorite: ETF.

ETFs in bulk. it began – as usual – in the states, and most of them are traded there. They are all told by their mother that their quotes exactly follow the quotes of real gold. The most famous is SPDR Gold.

They are all bought through the infrastructure of exchanges and brokers, that is, in the same way as stocks. The plus is that you can change the broker if the old one is guilty of something 😎 That is, the direct operator is divorced from the asset, it is not necessary to sell the asset to change the broker.

It’s great that the spread is quite small. Right now my ETF is trading at 339-341r. That is, with a minimum lot of 10 pieces, it turns out go-in will cost 20 Dollars + the commission of a broker and depository, which in my case is so small that it’s not worth mentioning. This is less than 1% in total – much nicer than any other option, in which immediately at the time of purchase you lose at least 10 percent! Again, portfolio rebalancing is carried out within one account, which is also very convenient for me. I sold a part of something – I bought a part of something. unnecessary and unnecessary, respectively 😎

And, yes, I completely forgot: my ticker is FinEx Physically Held Gold ETF. Mom swears that in London lies all-all-all to the last ton of gold owned by investors.


The fund “changed its shoes” – from the physical became synthetic. Now they are allegedly buying some Swiss derivatives. Personally, I completely sold all this stuff.

Traded on the MICEX, you can see the charts and compare them with the price of gold. in my opinion – it fits quite well with itself: Even better if you look closely. This is achieved due to the fact that before the inevitable drop in quotes, the management company sells and waits in gold for money. And here is the picture for building lazy portfolios: It can be seen that the stock market and quotes of our fund go strictly out of phase. This results in higher incomes: you sell what is expensive and you buy what is cheap. Good luck with saving your hard work! Thank you for the pictures mfd.ru portal.

Anticipating possible questions – I have nothing to do with any broker, fund or bank, I am not a professional in the Central Bank market, I write exclusively about personal experience in investing my own funds. No, I don’t take money for management either.

If anyone is suddenly interested in which brokerage house I serve – welcome in PM.