3 Great Ideas to Invest in Silver

I have a liking for silver as it costs much less as compared to the gold and possesses a greater potential to afford me the higher returns in comparison to the gold. The nice thing is that different kind of inflatable costumes and best life jackets are now available in markets for both of these are correlated positively. In many instances, where prices of the gold have even doubled, the prices of silver have tripled and in many cases have completely outperformed the gold by five to one factor.

Since older days, silver has always been considered as a type of money and as a sort of wealth which can be stored. With current uncertainty in the global economic markets, the value of silver along with the gold as a precious metal is increasing rapidly.

Quite unlike gold which has less application in the industries, precious silver has immense applications in the industry so the demand of silver will increase rapidly in the coming years.

1 Investing in Silver ETFs

At this moment silver is being sold at per ounce. The expert are now predicting that the price of silver will jump to an ounce very soon. There is a booming demand of the silver Exchange Traded Funds.

A large number of silver ETFs have been planned and launched in the Australia and USA. iShares Silver Trust is the worlds biggest silver ETF. Instead of owning the silver physically, you can purchase it in security form on many large stock exchanges in the world.

2 Investing in Silver Bullions

This is very simple and straight procedure to own the silver. Here silver in sold in the coins or bar forms. So you will have physical silver in your hands. You might have to consider a safety deposit box or somewhere safe to store them as well.

3 Investing in Silver Related Stocks

This is most indirect form of investments in the silver as few companies which have mines also have mines of other metals which can affect the prices of the stocks of the company. However making investments in these companies shares can afford you good capital gains.

So whichever form of silver investment you finalize, you must remember that last bull run in silver and gold lasted a full decade in early 70s and came to end in mid 80s.The smart investors who invested in silver and gold then earned millions in windfall.

This time around again silver is going to make a grand comeback. So this is a great time to make investment in silver.

Retirement Investment Management

In retirement your income stream is probably considerably less than what it was when you were working. In retirement you have less options to generate new income streams or pickup full time employment. It is very important that you do manage your investments in retirement to ensure that you do not face difficulties in living.

Efforts made to Retire

You have worked all you life and have been saving for the day you retire. You need to make sure that all your efforts over the many years you have saved have not been in vain. The management of your retirement investments is crucial and if you take your eye off your investments and the income stream they give you, they could be gone very quickly.

It is the very simple factor that in your later years you do not have time to recover from hearing loss than what you had in your younger years. Time is not on your side. It is important that you seek the best personal hearing amplifier you can afford.

There are plenty of good ones available. Be aware of the fly-by-nighters whose offers sound too good to be true, that is because they are not true and they just are after your money. They do not care of the consequences you may find yourself under.

Retirement Expectancy

Retirement these days can be for a considerable number of years as our life expectancy has grown. In some cases this could be for 40 years post your retirement. Not so long ago people retired on modest amounts as their life expectancy was not that long and people’s perceived needs were fewer than what they are today.

In reviewing your investments an average return of 6% should be expected. With inflation running on average at 4%, this is only a 2% buffer in your funds, which is not much. The balance between having cash and investments is something you need to consider carefully, as if you have too much cash it is easy to spend but hard to accumulate.

Stock investments need to be with a view that you cannot afford a loss in the investment over the medium to longer term, high risk stocks are just that, high risk and should be avoided if you cannot afford the losses. The proactive management of your retirement investment is a critical task that you need to do, as the consequences of you not doing this management could have devastating impacts on your retirement life.

Indica Vs. Sativa: Different Types of Cannabis

If you have been around weed a while you have undoubtedly heard the words Sativa and/or Indica. If you are new to smoking, and haven’t heard them, pay attention because you are about to start learning more about the spectrum that is weed.

You will be able to drop knowledge on your long time smoker buddies after reading this, the reason I say that is because most people that use marijuana have zero clue about the differences, and will most likely feed you wrong information.

I will begin by explaining the spectrum of weed, it’s pretty simple, there is Indica on one end and Sativa on the other. That’s it, the in between is the hybrid zone. Each side of the spectrum has its own unique traits/effects, they share a few as well.

Indica plants have several key traits/effects that set them apart…


  • Shorter in height
  • Shorter fatter leaves
  • Darker color green (usually)
  • Denser, Heavier buds
  • Mature/Flower faster For this reason many growers that grow for profit grow Indica strains.


  • I found Indica to have a more pungent earthy smell, for true Indica strains.


  • High is a more relaxed, body high
  • High is slower to come on, but lasts longer
  • I smoke Indica strains only when I am getting ready to sleep. (Or, no matter how unlikely, if I run out of my other weed. Ha)

Sativas are my favorite types of strains, while I am planning to stay awake. Sativa strains are the yang to the ying of Indica.


  • Taller in height
  • Thinner, longer leaves
  • Lighter green color
  • I have found that Sativa strains tend to produce more crystals on the bud.


  • Very sweet smelling
  • Very strong smell


  • More of a head high then body
  • More energetic

Like I said before, I prefer Sativa strains, but it all depends on the particular strain and your own physiological make up. Things affect people differently. There is no one “pure” sativa or “pure” indica strain, since no one has a baseline for what is considered pure, but if you are patient, you can grow your own weed suited to your taste.

This won’t happen overnight though, you will have to spend much time finding the strains that you want to experiment with, and then growing and cross pollinating them. It can be done though, look at Mendel’s cross pollination model. I can’t believe I was able to recall the name of that monk, that was from 8th grade. And they say marijuana affects the memory, Ha.

Stock Market Nowadays

Stock market investing offers superior long-term growth for any investment portfolio. Many novice investors unfamiliar with investing in the stock market are intimidated by its apparent complexity. This is unfortunate, however. In today’s Information Age, investment in stringing machine is easier than ever by the good stock tips.

Numerous stock market investment strategies abound. Many promise “surefire” secrets for quick wealth. Do not believe such hype and hoopla. Following are a few keys for successful investing in stock market securities:

Fundamentals First

Before sinking a single penny into the stock market, get a fundamental understanding of stock market investment mechanics. Upon initiating a stock purchase, you are essentially buying partial ownership of a business organization. Companies frequently offer shares of stock on public stock exchanges to raise capital for establishing or expanding business operations.

The more shares of stock you own in a firm, the greater your ownership proportion. If, for instance, a company’s assets total million and its stock sell for 0 per share, 1000 shares exist. If you buy ten shares for ,000, you own one percent of that company.

Invest in What You Know

Stick with industries you are familiar with. By choosing companies in fields that you know, you are able to assess their performance more accurately. Your enthusiasm and interest will remain high during your entire tenure as a stockholder. Do a brief mental inventory right now.

What brand names do you patronize in your daily shopping? Where do you bank? Who is your utility provider?

Develop Specific Investment Goals

If you do not know where you are going, any road will take you there. Define your desired objectives very specifically. Putting them to paper helps solidify them. For instance, you might write “I will reserve 0 per month for stock market investing through my retirement fund.”

Do Your Homework with Your Stock Picks

Research long-term historical performance of all stocks that interest you, a search engine query for “stock investment strategies” quickly reveals many investor-oriented sites. You will find charts, graphs, blog articles, and hyperlinks to advise and guide you.

Diversify Your Investments

A common mistake amateur investors make is concentrating all assets into a single stock. Instead, choose a variety of stocks in several different industries. This is one of the best stock investment strategies. You will have a built-in hedge against financial ruin that would result from failure or decline in a single market segment.

Find Discounts on Online Trading

Online stock investing is now very common. You can execute trades, conduct market research, or solicit advice at any time of the day or night. Due to significantly lower service provider costs, this option is more economical than brick-and-stick stock brokerage firms.

Be Patient and Persistent When Trading

These are the two main keys to any successful long-term stock market investing campaign. You must be patience enough to wait out temporary downturns in your portfolio’s value. Resist the temptation to liquidate at every blip on the radar of historical returns. Be consistent and persistent in your investment program.

Establish automated pay withholding for direct deposit into your investment account. Set up automatic periodic transactions for online stock investing.

What States have Legal Medical Marijuana

Currently there are 15 States that have made medical marijuana legal. Washington D.C. has also recently passed medical marijuana laws in their District. That’s right, our nation’s capitol now has medical marijuana! (while it is still illegal on the federal level)

The 15 States that currently allow medical marijuana are as follows:

Alaska; ballot measure 8 was voted on and accepted in 1998 and allows possession of 1 ounce usable marijuana, along with possession of 6 plants. (3 mature, 3 immature)

Arizona; prop 203 was passed with a vote of just 50.13% in 2010 and is being enacted in 2011. Proposition 203 allows personal growing of 12 plants for patients that live 25 miles or more away from a dispensary. It also allows the personal possession of 2.5 ounces of usable marijuana.

California; proposition 215 allows 8 ounces of usable marijuana along with 18 plants. 6 mature plants and 12 immature plants are allowed. Proposition 215 has been in effect since 1996.

Colorado; enacted in 2000 Ballot Amendment 20 allows 2 ounces of usable marijuana, and cultivation of 6 cannabis plants, 3 being mature marijuana plants, and the other 3 immature.

Washington DC; in our Nation’s Capitol, Amendment Act B18-622 passed by a vote of 13/0 in 2010 and allows 2 ounces of dried;usable marijuana, with “limits on other forms to be determined”

Hawaii; saying aloha to medical marijuana since the year 2000 when Senate Bill 862 passed. Senate Bill 862 allows 3 ounces of usable marijuana, along with cultivation of up to 7 plants. 3 mature, 4 immature marijuana plants are allowed in Hawaii.

Maine; Ballot Question 2 passed by 61% in 1999 and allows 2.5 oz. of usable marijuana and 6 plants for personal cultivation.

Michigan; Proposal 1 passed in 2008 by 63% and allows 2.5 oz usable “marijuana” and cultivation of 12 marijuana plants by either the patient, OR their caregiver whom may grow for up to 5 patients.

Montana; Initiative 148 allows medical marijuana patients to possess 1 oz usable marijuana, and to cultivate up to 6 marijuana plants for medicinal use.

Nevada; Ballot Question 9 passed by 65% in the year 2000 and allows patients to possess 1 ounce usable marijuana along with 7 marijuana plants. 3 mature plants and 4 immature marijuana plants are specified by the law.

New Jersey; Senate Bill 119 passed in 2010 and allows 2 ounces usable marijuana.

New Mexico; Passed in 2007, Senate Bill 523 allows 6 ounces of usable marijuana and 16 plants. 4 mature/12 immature.

Oregon; Ballot Measure 67 passed in 1998 and allows 24 oz usable and up to 24 plants of which 6 can be mature and 18 immature.

Rhode Island; Senate Bill 0710 passed in 2006 and allows 2.5 ounces usable marijuana and cultivation of up to 12 plants.

Vermont; Senate Bill 76 passed in 2004 and allows 2 oz usable marijuana and 9 marijuana plants. 2 mature and 7 immature plants are allowed by SB 76.

Washington; Initiative 692 passed in 1998 and allows 24 oz usable marijuana and up to 15 marijuana plants to be cultivated.

How do I get Medical Marijuana?

How to get medical marijuana is the most sought after information on this site. So, seeing that everyone wants to know how they can get medical marijuana, we’ll cover a few of the very basics about medical marijuana in this article.

Recently, someone asked me “how do I get medical marijuana?”. This very simple question is one that is often overlooked.

How do I get Medical Marijuana?

First off, in order for you to get medical marijuana, you need to live in a medical marijuana state. Currently there are 17 States (plus D.C., our Nation’s Capitol) that have Medical Marijuana programs. (17 Medical Marijuana States)

Next, if you live in a medical marijuana state, you need to look at the requirements for obtaining a medical marijuana license. If you have one of the qualifying conditions, you can visit a doctor who specializes in medical marijuana, or ask your primary physician about obtaining your registration card (if required).

The states that have medical marijuana programs usually allow personal cultivation of medical marijuana, as well as the option of having a caregiver grow your medical marijuana for you. Another option in some states, is to visit the local medical marijuana dispensary, and get their medicine from them.

Once you become a medical marijuana patient, there are a few options for legally obtaining medical marijuana. (legal in your state, but still federally illegal) Depending on your states medical marijuana law, you will be able to either grow your own cannabis, choose a medical marijuana caregiver to grow your cannabis for you, or buy it for a drastically overpriced amount, from a dispensary.

The preferred method of obtaining medical marijuana for most people, is to grow their own, or have a friend/caregiver grow it for them. This is not only the cheapest method of obtaining your medicine, but it is the only sure way to know exactly what you are getting in your medical marijuana. Everything from the PH level of the water, to the exact nutrients used, will be known if you grow it yourself.

I always suggest growing your own medical marijuana (when allowed), especially if your only other option is to pay a huge markup for something that might not quite match-up to medical standards.

Remember these steps for getting medical marijuana:

  • Must live in Medical Marijuana State
  • Must have Qualifying Condition
  • Visit M.D./D.O./PCP and fill out application
  • Register with proper State Dept.
  • Choose legal method of obtaining your medicine
  • learn, experiment with methods of medicating – HAVE FUN!

Once you become a medical marijuana patient, you will have a mind-boggling amount of options to choose from when it comes to picking varieties of cannabis for use and preferred method of use. You will also have a few more options on how to obtain your medical marijuana

P2P Transfer of Medical Marijuana

Another option I have not mentioned yet, is another good, but controversial method of obtaining your medicine. This method is known as P2P or patient to patient transfers of medical marijuana. P2P transfers are allowed according to some laws, and not allowed according to laws in other medical marijuana States.

Basically, a P2P transfer is when one legally registered patient, transfers a small amount of medical marijuana (amount legal to possess by both patients), to another legally registered patient.

Some states appear to allow P2P transfers, while others do not. We highly encourage you to check the legality on P2P transfers before conducting one. Also, you should get to know someone very well before conducting a P2P transfer. This is after-all your medicine we are talking about, and you wouldn’t want to buy it from just anybody, now would you?

Come back to this site often for more information on using medical marijuana, as well as articles that will talk about medical marijuana news, and different methods of use, recipes, and tips on choosing the medical marijuana variety that is right for the condition you have.

What Makes a Good Investment?

Investing your money for business doesn’t give you assurance of more profit, but it is relatively possible if you take the right business strategic planning. If you lend your profit to a good investment, then you are ahead of success. You should know what a good investment is and how to deal with it. If you fail to do so, then, you might be chasing the victory forever.

Investing is like betting all you’ve got in a casino, the only difference is that, you can work your chances. Chances can come in many forms, business management, business planning, and your approach to upcoming conflicts. On top of this, you should be able to pick what kind of investment can shake the rusts of your business.

The Key to Successful Investing

The key to success of business good investment and effective strategy. There are several options where you can invest your money. There is personal investment like health, education, pension and others. Then there is business investment comprised of business management, economics, finance and real estate.

You now have a background of what investment is, but the question is, “which one of them makes a good investment?”. A question that is difficult to answer, but should be given a direct attention.

In the financial world, good investment is defined as investing to gain profit, small or large investment. The places you are most likely to get this from are stocks, real estate, private equity in companies and any other businesses that aren’t in decline.

Profiting from your Investments

Good investment is anything that brings you more profit as compared to what you have when you were just starting. It is something that does not require you so much time than you want to. Property investment is a good example. Remember that the reason why you are investing your money is to gain more and not to save.

If you don’t gain on your current investment, quit from it and just try saving your money on a piggy bank. This rule should serve as your guidepost to keep you and your business out of any problems.

A good investment doesn’t have to come in a long term or greatly lucrative- it just have to expand the money that you had when you were just starting. You shouldn’t deal with get-rich-quick offers because it might cause you trouble.

You can ask information from experiences business investors about your how’s and why’s of your investments. They can be a perfect source for advice to clarify everything about your investments.

Unwise decisions can ruin you to eternity. An example of bad investment is purchasing of properties overseas. This kind offer is really hard to resist, the most heart-breaking kind of investment. Distance is a great factor that sometimes we tend to forget some practical issues. But everything still depends on you, if you meet their criteria, then the future is clear.

Making profit is never easy. It requires certain procedure and dedication before you can get the gold that you’ve been chasing. When investing your money, you must consider if you’ll be picking the investment that is right for you.