The Last Chance for Gold

Growing up in my corner of Florida, there used to be an old gas station on the edge of the Everglades. The proprietor did a lot of business with his oversized, hand-painted warning sign:

Last Chance for Gas.

Beyond the fuel pumps were a thin two-lane ribbon of asphalt and 90 miles of swampy wilderness. No smartphones. No “emergency call boxes.” And, in most places along the highway, no guardrails either.

You were on your own – much like the economic wilderness we’re all forced to navigate today.

Which is why the sharp decline in gold prices and mining stocks is much like that warning sign… and a monetary gift…

In short, if you were waiting on the sidelines after this year’s monster rally, this is your second chance – and, in my view, your last chance – to buy gold at these prices. And it comes at just the right time. Typical Moves for Gold

Gold’s done a full round trip in buyer sentiment during the past 12 months: from being the world’s “most hated commodity” at its lows near $1,050 an ounce 12 months ago to “gotta buy it” status at $1,350 an ounce this summer.

With gold now fallen from those lofty heights, an investor is more likely to ask: “Gold, what have you done for me lately?”

In all, gold’s given back about 60% of its 2017 rally. Yet such sharp declines followed by a resumption of a broader trend higher is a typical early bull market move for this volatile metal. Most famous of these pullbacks was gold’s run to all-time highs in the 1970s.

Starting out at $35 an ounce in the early ’70s, as gold became legal for Americans to own once again, bullion prices soared to almost $190 an ounce in 1975. That’s quite a run all on its own. During the next 18 months, gold prices dropped back nearly 60%, falling to $100 before running to a then-record $800 an ounce in the next three and a half years.

The Song Remains the Same

Most important, when it comes to the companies that dig this stuff out of the ground… nothing has changed.

As I have pointed out in past months, gold mining firms have done a great job getting their costs down and making money to boot.

We noted as early as February that the elite companies in this group were making an average of $215 for every ounce of gold they were digging out of the ground and said, in no uncertain terms, to anyone who’d listen: “Stop panic selling gold mining stocks. Likewise, after cutting dividends in 2014 and 2015 as gold prices plummeted, many of the same companies have not only reinstituted payouts, they’ve started raising them again. In the meantime, mining firms have cleared away much of their old cost structures. That’s why Newmont Mining, as one example, has been able to drop its “AISC” – all-in sustaining costs – from $1,170 in 2012 to $910 so far in 2016.

The point is that there are many reasons to own gold: for speculative profits, as discussed above; for insurance; and for wealth preservation. But you can’t benefit from any of those strategies without taking advantage of the gift that is low gold prices and low expectations put on our table by Wall Street’s hair-trigger traders.

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3 Affordable Cars for College Graduates and Young Students Living in Philly

Philadelphia, nicknamed Philly, is the fifth-most populous city of America. One of the main reasons of the city’s high population is the large number of students residing in Philly. It has the third-largest student concentration on the East Coast of America. It is home to more than 120,000 students who are enrolled in different universities around the city. There are more than 80 universities, colleges and schools in the region. Also, several young people are enrolled in the oldest university of America, University of Pennsylvania.

Buying a Car with a Limited Budget

As a student studying in Philadelphia, you must think that you should not spend your money on luxurious items. But, it doesn’t mean that you cannot buy a car to make your daily commute comfortable. Also, do not think that you will end up with an old, dilapidated car only. It is a fact that your limited budget will not permit you to buy a luxurious brand new car. But, if you research thoroughly, you will find several new car models that will fit your lifestyle and budget easily. Here are a few affordable car models that a student should consider buying in Philly:

· Nissan Versa

If you want to invest money in a good, reliable and sturdy car, you can consider buying Nissan’s Versa Sedan car. It is ranked as one of the cheapest cars in Philly. Nissan ensures that you become a proud new car owner for around $10,000. It means you can buy a car with the help of your limited budget. It is a great bargain because several new cars are priced around $30,000. The cheapest Versa S version of the car has a powerful engine with 109 horsepower. Its unique halogen headlights provide maximum visibility at night and make sure that you reach home safe.

Before visiting a dealership in Philly, make sure that you register as a Nissan College Grad on the company’s official website. Once you finish the registration process, print the Nissan College Grad Certificate and show it to the dealer for obtaining discounts.

· Hyundai Accent

Critics consider the car as a perennial best seller. You can buy the new Hyundai Accent for $14,745. However, you will be able to reduce the price of the car with the help of Hyundai College Grad Program. The auto manufacturer offers a student incentive program to college graduates and young students of Philly. Hyundai offers a $400 bonus for buying a car in Philly. The dealer will consider the bonus as a part of the down payment amount for buying the car.

Hyundai Accent will quench your thirst for a powerful car because it has a 137 horsepower, 1.6 liter four-cylinder engine. Also, you can make a choice between six-speed manual and six-speed automatic transmissions. The car is a joyful ride for the young generation because it provides a great audio system with six speakers, tilt-steering wheels, dual vanity mirrors and exterior temperature display.

· Kia Rio

Kia Rio is a favorite car among the young generation of America. It is because it offers spacious cabin space and cheaper maintenance costs. The 2017 model was unveiled at the 2016 Paris Auto Show. And, since then, it has captured the attention of car lovers across America. The South Korean manufacturer has packed several features for the tech-savvy students of Philly. It provides rear-camera display to help you park properly at your college. Also, its connection-on-command service UVO will provide you with driving directions and access your favorite apps to help you improve your driving skills. Similar to Hyundai, Kia Motors also offers a student incentive program in Philly. It provides a $400 discount along with other incentives to college graduates and young students.

Buying a new car signifies your entry to adult life. It is an important decision that will have immense consequences on your financial situation. So, do not make a hasty decision. Spend time in finding a car model that suits you. Do not forget to consider different incentive programs that auto manufacturers offer to college graduates and young students of Philly. It will make the car buying process affordable for you.

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National League Teams Already Have DH, So Why Wait?

After nearly fifty years, the experiment will finally be recognized as a success. Baseball Commissioner Rob Manfred has hinted that the designated hitter, which the New York Times once called a “gimmick,” will be used in the National League.

It was in 1973 that teams in the Junior Circuit elected to have another player hit for the pitcher, a concept that most considered a short term effort to increase offense. History was made that spring when Ron Bloomberg stepped to the plate for the Yankees to become the first DH ever.

The DH quickly became a valuable tool for American League clubs, who went on to win five of the next seven World Series. Although the DH was not used during the Fall Classic, one must admit that it certainly proved advantageous in several respects during the season.

Because they did not have to bat, the American League pitchers were better rested with fewer bumps and bruises than their National League counterparts. The A.L. managers had happier players, since each team had nine starters and thus increased playing time for everybody.

Now that the Commissioner has broached the idea of the DH across the board, players on the National League teams can look forward to similar happiness. Manfred declared that the DH in the National League could come as early as the 2017 season. bolder move would be to institute the DH this year, an idea which would intensify the season as well as increase what has been an embarrassing lack of offense over the past half decade. This would be particularly welcome now, since almost half of the teams in the N.L. find themselves in complete rebuilding mode.

Not only would using the DH help these clubs compete, but it would also increase fan interest during the rebuild. Most clubs already have players who fit the DH mold perfectly, and here is the list of those sluggers.

Braves: Nick Swisher

The veteran has been a clutch hitter with decent power and pop throughout his career, but he currently has no spot in Atlanta’s regular lineup.

Brewers: Jonathan Lucroy and Chris Carter

Having Lucroy in the lineup without having to catch every day would certainly increase his production and career. He has already had experience at first, so he could occasionally allow Carter to get a defensive rest without losing his turn in the order.

Cardinals: Matt Adams

Adams would be the perfect DH, especially against right handers. A bonus for St. Louis would be using Yadier Molina as the DH against lefties, thereby preserving his health for a postseason run.

Cubs: Kyle Schwarber and Jorge Soler

Schwarber’s struggles in left were apparent in the playoffs last year, as he had been catcher for most of his career. With the DH in play, he could still catch on occasion and allow Soler to rest defensively.

Diamondbacks: Yasmany Tomas

The International free agent still has no true defensive home after an entire year in Arizona. He would be the perfect fit as DH, almost the Big Papi of the N.L.

Dodgers: Andre Ethier

Instead of trying to trade Ethier, as they have done for the past few winters, Los Angeles could have his quality bat in the lineup every day.

Giants: Buster Posey and Brandon Belt

The former Most Valuable Player and star catcher has already suffered several significant injuries behind the plate, so he has been used occasionally at first. Providing San Francisco with the option of the DH would help Posey’s production and lengthen his career, while allowing Belt more opportunities to spell the outfielders.

Marlins: Ichiro Suzuki

Another former M.V.P., Suzuki is still one of the most exciting players around. Seeing him bat every day would be a good reason for Miami fans to start coming to games. Mets: Wilmer Flores

Currently the fan favorite has no regular position, and he has enough power to warrant a role as the club’s DH.

Nationals: Clint Robinson

He is too good of a hitter to be a backup outfielder/first baseman, so Washington could really benefit from the implementation of the DH.

Padres: John Jay

He was acquired over the winter to be a backup outfielder, but a DH role could allow Jay to be a good veteran presence as San Diego undergoes a rebuilding year.

Phillies: Darrin Ruff

There is already controversy about Ruf taking playing time away from veteran All-Star Ryan Howard, a problem which the N.L. DH would immediately quell.

Pirates: Michael Morse

Had the DH come last year, the Pirates would probably have kept Pedro Alvarez. Nevertheless, Morse could fill a similar role in 2016.

Reds: Devan Mesoraco

Any doubt whether the catcher can fully recover from surgery to be an effective backstop, a situation that would leave Cincinnati without the All-Star’s valuable bat.

Rockies: Mark Reynolds

Reynolds, even though listed as a corner infielder, has always been the N.L.’s version of a DH. An edict from Manfred would simply make it official.

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The Features Of Soccer Cleats

Soccer cleats refer to a firm ground soccer shoe, fitted with studs or cleats to provide traction on most grass surfaces and outdoor soccer fields.

The first soccer shoes were ordered by King Henry VIII in 1526 when he wanted another pair to play football with. One that was tougher than his ordinary shoes. As the game got formalized in the mid 19th century, so did the accessories one needed to have while playing the game, the most important of which were the football shoes.

Vulcanization of rubber was an important invention for the manufacture of cleats whose primary purpose was protection of the players’ feet. And so on from there, many innovations and generations later, football boots have come to represent the advancement of shoe making technology and materials and its importance in football, a game which enjoys absolute popularity amongst all the nations of the world. Today’s soccer cleat

Is not built so much for protection as for performance enhancement of the player! It does not even cover the ankle of the player. The cuts and organization of the studs are to suit different purposes. Amateur players use plastic studded cleats for hard ground. A wet ground requires detachable studs for better grip. These could be metal, plastic or rubber. Rubber soles are provided for indoor football shoes and there are special shoes for artificial turf.

Football blades where the studs have blades facing in different directions to minimize ankle injury to the wearer and deliver excellent grip are also an innovation that has drawn flak for causing a disproportionate number of injuries to other players.

A combination of synthetic fibers with or without leather is used for the upper, nowadays, with emphasis on the lightness of the boot. Carbon fiber as a new material, provides extreme lightness and is extremely flexible.

Additional features have been introduced like rubber ridges and shaping the boot for the ball enhance the player’s performance. There are shoes fitted with microchips that capture’s the player’s performance metrics and transmits it to a tablet or PC.

The latest is the environmentally friendly shoe, made with recycled and renewable material. This is also extremely lightweight.

Football cleats of the Future – Some interesting crystal ball gazing

· One young player predicts that the cleats of the future will have retractable studs, allowing him to use them as ordinary shoes· Autolacing capabilities which will be good – the wearer, after tying the laces steps back into the heel of the shoe. While stepping back, he pushes a lever which lock the laces in place. Then the lever is disconnected in case the player steps back again while playing.

· Recyclable material and carbon fibers used in building aircraft will definitely be the order of the day in creating lightweight boots that contain material used in the last world cup! Not only that, each pair of boots will be recycled and rebuilt to suit that customer’s requirements.

Boots that fit like a sock… such silhouettes will be more in demand for better performance and comfort.

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How Can I Set Up An Online Business?

If you’ve been considering setting up an online business you’ve most likely been motivated by sheer volume of buying and selling that is now taking place on the internet.

More and more people are buying products and services online. And if you set up your own online business you can claim your cut of this expanding marketplace. Here are the 5 steps to follow to set up an online business.

1. Pick Your Market

If you’re going to set up an online business your first task is to determine what type of business it’s going to be. Are you going to sell products or services? You can sell your own products or you can sell products produced by other businesses who will pay you commissions on your sales. Or you may choose to set up a membership website or offer teaching and coaching services online.

Getting a website online isn’t as complicated as you may think. Initially you’ll need to purchase a name for your website (known as a domain name). Next you need to ‘rent’ some space on the internet (known as website hosting). Lastly you’ll need a software package that will make it possible for you to put written text, images, videos etc onto your website. There are many website building programs available that make this whole procedure very easy.

3. Get Visitors To Your Website

When you website is online you have to get potential customers to visit it. There are two main ways to do this. You can use free website traffic techniques or paid website traffic techniques. Both have their pros and cons and the most effective traffic tactic to use a mixture of both.

4. Develop A Customer List

It’s doubtful that your website visitors will want to buy anything from you on their first visit to your website. They may visit your website and never return. But obtain a visitor’s email address with a special email capture form, you can remain contact with them via email. Your emails can keep them informed about your business and encourage them to return to your website. If you offer something of value for free in return for someone’s email address they are more likely to give you their email address. This can be something as straightforward as a free report or eBook that is relevant to your industry.

5. Provide Value

The content material on your website and in your emails, articles or blog posts has to be more than continuously trying to sell. When you provide high quality, useful information to your target audience will come to know, like and trust you. Your prospective customers will then be more willing to buy from you and continue to be as loyal customers for many years.

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