Gold has been mankind's most desirable asset for more than 3,000 years. It freely circulated as everyday money - except during times of great economic turmoil - from the time of the Ancient Greeks and Romans right up to 1933. Until that year, the value of the great majority of gold coins was the same as their face value. That meant a $20 gold coin could be freely exchanged for 20 one-dollar bills. And 20 one-dollar bills could be exchanged for one $20 gold coin. It was a two-way system that promoted a stable value for our money.
That era ended in 1933. As part of his effort to re-inflate our economy from the depths of the depression, President Roosevelt recalled all circulating gold coins. He had his Treasury Department melt them and send the newly formed ingots to Fort Knox for storage. Then Roosevelt revalued gold, in a series of steps, from its pre-1933 value of $20 to $35 per ounce.
The Market for Gold Coins Changes
Literally overnight, a $20 gold coin contained more than $20 worth of gold. Owners of the limited number of coins that survived the federal recall order, primarily collectors and overseas banks, wondered how to determine the value of their gold coins. Were they only worth their gold value, or would the government's efforts turn once-common issues into scarce and rare dates?
Today we know the answer to that question. The government's massive melting of our circulating $1, $2.50, $5, $10, and $20 gold coins created hundreds of rarities out of coins with original mintage that suggest easy availability. Here's one example: the Philadelphia Mint struck 2.9 million $20 gold coins in 1931, one of the higher mintage of the 1907-1933 series. Based strictly on its original mintage, the 1931-P should be easily available and not too expensive. Thanks to the government's melting, all 1931-P $20 gold coins are rare and extremely valuable.
Gold Coin Values Today
Speed forward to 2009. All U.S. gold coins minted before 1933 are worth FAR more than their face value, and many are worth FAR more than their bullion (metallic) value. That's true because the number of collectors of U.S. gold coins of the pre-1933 era has expanded tremendously. At the same time, the available supply of these coins has remained relatively unchanged. Because rare coin market values are set by the interaction of supply and demand, the long-term value of pre-1933 U.S. gold coins has shown a distinctly rising trend.
So how can you determine the value of your pre-1933 U.S. gold coins?
We live in an age of tremendous availability of information. Early in the last century, collectors and investors were content to determine their gold coins' value by following (and interpreting) auction results. In the late 1940s, publishers began offering a once per year guide book that listed values for every U.S. coin. Then monthly publications were introduced, providing ads and estimated market values. Then weekly coin newspapers, filled with articles, auction results, and market commentaries, were established. Today we have all of these sources, plus the information on the Internet.
All of these sources, when you know how to use and interpret them, are extremely valuable. All of these sources can help you determine the value of each gold coin you own. But none is perfect. Each has its own quirks and its own idiosyncrasies.
The single best way to determine the retail or wholesale value of your pre-1933 U.S. gold coins is to have your trusted adviser perform a professional review, this will provide your most dependable estimate of value.
Determine the Value of Bullion Gold Coins
Bullion gold coins, like American Eagles and Canadian Maple Leafs, are struck by governments for sale to investors through a network of distributors and wholesalers. They are minted in unlimited numbers, so scarcity is not a factor in determining their value. That means the value of gold bullion coins can be easily determined with reasonable accuracy on any day.
To determine the value of your gold bullion coins, you need to know their pure gold weight and the spot (or cash) value of gold. Determining a gold coin's weight is usually simple: the coin's design should state them. If it does not, contact your coin dealer.
Once you know your bullion gold coin's pure gold content, it's time to identify the market value for an ounce of gold. For today's value, contact your broker. Your broker provides up to the minute bid and ask prices for spot gold, as well as spot silver, platinum, and palladium.
Now you know the weight of your coin and the value of an ounce of pure gold. To learn your coin's pure gold value, simply multiply the two numbers. For example: you want to know the value of a half-ounce American Eagle gold bullion coin. You know the pure gold content (one half ounce) because it is stated on the coin. You locate gold's current market value, and find it is $950 per ounce. Multiplying one-half (your coin's pure gold contents) times $950 (gold's current market value) yields a gold value of $475 for your coin. Market premiums, distribution charges, and dealer commissions will vary and will affect your coin's value, so be sure to consider them when determining your coin's value.
American Eagles, the world's most popular gold bullion coins, are guaranteed for their content and purity by the United States government. Their value is primarily determined by the price of gold, which fluctuates throughout the day.
Saturday, January 9, 2010
How to Determine the Value of Your Gold Coins
Monday, November 30, 2009
Do 100% Organic Skin Care Products Exist?
Organic Products - The Present Scenario
"Going Organic" seems to be the new buzzword. Whether its Hollywood celebrities or The National Geographic, everyone is talking about how to go green and switch to organic products. So, while you are browsing the endless brands of lotions and creams on the supermarket shelf, you choose only the ones that say 'organic' or 'natural.' You go home in peace thinking you did your job, you choose right and you have nothing to worry about. Right? Well, we suggest, think again. Hundreds of organic skin care products are flooding the global skin care market every day. The credibility definitely becomes questionable.
The Organic Catch
Many of us become the target to the shrewd marketing gimmicks of skincare products manufacturing companies that mislead consumers by claiming to be organic, while the truth is harshly far from it. Most skin care products that declare themselves as being Organic, in reality may merely have a few organic ingredients blended with preservatives and chemical agents. Unfortunately, the loophole is in the system, since there is no rule what so ever, restricting companies from labeling their products as 'Natural' or 'Organic.'
Organic Skin Care Products - The Concept
The basic difference between an ordinary skincare product and an organic skincare product is that the organic products are made with organically grown ingredients. Therefore, unlike conventionally cultivated materials, which are exposed to harmful chemical fertilizers and pesticides, organically grown materials are toxin free.
Organic Skin Care Products - Some Facts
When a skin care product is certified as 'Organic,' it generally contains 95% organic ingredients and 5% of inorganic materials, which belong to an approved National List.
When a product is certified as 'Made from Organic Ingredients,' it means it contains only 70% of organic ingredients and the other 30% contains inorganic materials from the approved National List.
Organic Purchase - The Pre-requisites
Taking into consideration all the facts it can be said that 100% pure organic products may not really exist. Still, we can definitely find the next best things for us. A few things to keep in mind before buying any organic products:
Read the Ingredients Carefully - If you cannot even pronounce a chemical's name, it maybe that it should not be there. If you are unsure about the ingredients, browse through the internet to find more information on them. Fact sheets on most chemicals can be found easily, online.
No Additives - True organic products should not contain any artificial colors, synthetic dyes, artificial fragrances, or preservatives.
Check Certification - Check for USDA (United States Departments of Agriculture) seal or ACO (Australian Certified Organic) logo on the products.
Tuesday, November 3, 2009
Causes and Risk Factors of Developing Joint Disorders
Joint disorders can occur because of a variety of different risk factors and causes. One of the most common joint disorders is temporomandibular joint disorder or TMJ? TMJ disorders are a group of different problems that are related to the jaw bone and joint. There are a lot of people who develop TMJ disorders and problems because of the constant use of the muscles and joints in the TMJ area of the face.
Causes and risk factors that are common in developing joint disorders such as TMJ include constant and habitual teeth grinding. This can include the clenching of the teeth which wears down the cartilage of the TMJ . A lot of people do not even know that they do this, and often people do this in their sleep. People who may be suffering from joint disorders and primarily TMJ disorders often complain for pain and dysfunction in the muscles used in the TMJ. Dysfunction of these muscles can present itself as a limitation of the movement of the jaw that can range from minor range of motion issues to severe range of motion issues. In some of the milder cases of TMJ disorders, hearing clicking noises is one of the major symptoms.
Other causes and risk factors that can increase the chance of developing joint disorders include: Modification of the surfaces of the teeth through either neglect of dental practices or some kind of accidental use, Speech habits that are innate or learned and result in thrusting the jaw, Excessive use of gum chewing or nail biting, Excessive jaw movements that are associated with different kinds of exercise, Repetitive unconscious jaw movements that is associated with brushing, The size of different foods that are eaten.
There is no doubt that the TMJ area is one of the most heavily used joints in the body, and while there are a lot of other joint disorders like arthritis, TMJ continues to be one of the most known kinds of joint disorders. Arthritis is a very common joint disorder that causes people who suffer from it a lot of discomfort and pain. While the causes and risk factors that lead to different types of arthritis are not completely known, some people are more prone to develop it than others. Some people, who develop various forms of arthritis, do so as they get older from constant use and strain of the joints in parts of their bodies. Repetitive motions are a big trigger for joint disorders, and people who perform a repetitive motion which constantly strains one particular joint can develop joint disorders and arthritis.
Some people experience differing degrees of joint disorders and arthritis and some develop it earlier in life that others. There can be hereditary factors that can cause a person to be more prone to developing arthritis and joint disorders and some forms of arthritis are more prone to family traits than others. Often people who are athletes, or who put a lot of stress on their joints develop some level of a joint disorder or arthritis in their lives.
People who suffer from joint disorders like TMJ often are those who have excessive grinding of their teeth and who overuse the muscles and tendons surrounding the TMJ joints that lead to joint disorders. Joint disorders are often found in joints in the body that get the most use or that have the most stress on them. Knees, hips, wrists and fingers are among the most common joints to cause problems for people and are often the site of a repetitive action that has occurred for many years. People may start to experience slight symptoms of joint disorders early on in life, and they often assume it will simply go away, but then can later develop further problems.
Joint disorders tend to affect the elderly more often due to prolonged stress but people are able to experience joint disorders at any age, and those who constantly put a lot of strain on a particular area of the body are more prone to developing arthritis and other joint disorders later on in life. Testing is often done to diagnose joint disorders in people of all ages to determine what may have caused the joint disorders to develop.
Friday, October 16, 2009
Should I hire a community association management company to help organize my community?
The first question you need to ask does your Homeowner Association Board have extensive and practical experience in financial budgets, governance, community operations, and training for new board members. If you didn't immediately answer yes to each of those questions than a professional community association Management Company could be of service to your board. One more thing to consider is with your homeowner association board is not just do you have the experience, though do you have the time.
Unless your homeowner association board is made of fulltime board members which it probably is not, you have other responsibilities to your own business or employment that take priority for your time. This is why hiring a community management company is so important. That way you have a fulltime staff working to run your community.
One of the most beneficial items from using a professional community management team is operational budgets. The process of having a detailed and accurate budget for board members to make decisions from is crucial to community success. Since management companies with extensive experience have created many successful budgets the difference in accuracy is immense. With realistic budgets and planning your board members can feel confident that they are making the right decisions for their residents. Management services can guide board members through operational challenges that will arise no matter how detailed planning is. The biggest mistake most homeowner association boards make is a lack of a consistent communication process to updates and how the challenge will be solved.
When all community processes are handled by trained fulltime staff your community can run smoothly and it makes you look good for your residents. The reality is that most home owners only notice their association board when there are issues. The best boards are the ones that the residents don't even think about.
Have you ever been frustrated with new board members? Not that they are not bright and highly accomplished people, though they lack the experience of how your board and community works. Professional community management companies should have experience in how to train new board members into effective decision members that can contribute faster to their respected development.
The part that most residents notice the most is the up keep around the properties. Making sure that every person or business responsible is delivering can be overwhelming. The most effective community management companies have systems in place to organic and manage each community to keep property values and impressions up.
Just think if your homeowner association board is having any issues that professional community management could take care of. Less head aches and smoother management makes being on a association board more enjoyable and effective.
Wednesday, October 14, 2009
10 Steps, Obesity, Overcome Your Personal Battle
Fighting obesity can be difficult not only physically, but psychologically as well. Failed attempts at losing weight can take its toll on your body and mind and it is crucial to prepared mentally and physically in order to successfully lose weight. The LiveLeanToday.com programs and their support system focus not only on creating an excellent fitness program, but invest a lot of time working with clients on the psychological side of fighting obesity. The following is a set of steps, some in preparation and some to be used through out the program to ensure success.
1. Recognizing the programs that run you
What are the things that hold you back? What are the excuses you make? What are the behaviors you engage in that keep you from obtaining what you want? People always say "Commit to change." Well easier said than done. It's very difficult to commit to going somewhere when we don't recognize where we are or where we've been. I learned that programs are the hard wiring within you that drives your thoughts and actions. Programs certainly can't be changed overnight, but you can reflect on what hurdles you create that make it difficult for you to be successful with your weight loss goals. Lack of self confidence can lead to procrastination and excuses. This is a program that affects many. Recognize your programs, behaviors, and attitudes and you'll better understand where you've been and where you are. Then you can move forward and begin reaching your goals.
2. Commit
Do what you say you are going to do. Have a plan and commit to executing it. Make your goals realistic, focus on short achievements, and celebrate small successes along the way. Have a goal of consistency. Your plan should include committing to consistent activity. Make a goal to drink 8 glasses of water a day or have a goal of adding a vegetable to every dinner meal during the weekdays. Success in these short term achievements will reap rewards in your long term weight loss goals.
3. Support system
Success is easy to attain when you have people around you. Tell your family, friends, co-workers that you have a weight loss goal, and let them help. Work with a Personal Trainer or Registered Dietician and let them help. A support system can come in the form of encouragement, companionship, and accountability, and can make your road to weight loss success much more enjoyable.
4. Sensible goals
Know your body, and be honesty with yourself about what is real. If you haven't already, consult a physician regarding what is realistic. You can also test to rule out any obstacles medically related to weight loss such as under active thyroid or food allergies that could inhibit your weight loss.
5. Consistency
Most important to any exercise program is consistency. With a little consistency you can develop habits, and then you'll be less likely to regress. You will reach your weight loss goals faster when you stay on track and don't let your hurdles get in the way. This goes for your diet as well. It's ok to have a cheat day, but make it just one. If you are consistent, you will get results.
6. Use portion control
5 small meals a day is the best way to speed up your metabolism, regulate blood sugar levels, curb hunger binges, and ultimately lose weight.
7. Eat fiber rich foods
Foods that are rich in fiber tend to be filling; therefore people will feel full and not eat as much. Studies have also found that a diet high in fiber can reduce the risk of heart disease, digestive problems and diabetes.
8. Cut calorie dense foods
Foods that have a high content of salt, sugar and flour can also be densely packed with calories. Twizzlers have over 250 calories in a small package, a half order of pasta with Alfredo sauce has 680 calories at many Italian chain restaurants, and a bagel has over 300 calories without cream cheese or butter. High salt content is found in calorie dense, low fiber, processed foods. Too much salt can lead to elevated blood pressure and is also associated with hindering weight loss.
9. Have an activity
There is no better way to maintain consistency in reaching your health and fitness goals than having an activity. When you enjoy doing something, it isn't work anymore. Activities such as hiking, swimming, cycling, racquetball and rock climbing are great examples of activities that can add versatility to your fitness program.
10. Work Hard!
Losing any significant amount of weight is not easy. Any good program will have a nice mixture of high and low intensity workouts with rest cycles built in. But I have seen too many people going through the motions of a workout and they never even break a sweat. Your body will respond to the stimulus that you create and will respond to loads and intensity. To keep your body from hitting a plateau, you must constantly challenge your body and find new ways to create stimulation to adapt to. With constant stimulation and variety will come consistent results.
Wednesday, August 12, 2009
Wedding Ideas That Include Children
With their roles as flower kids, bridesmaids, and ring bearer, children have been playing some integral parts in weddings. Whether the children are a part of the wedding party itself, or are simply attending the event as guests, it certainly calls for everyone enjoying the special day to its maximum. Creativity to a wedding could add to its charm, as it is just not limited to floral decorations and cuisines, but is also important when it comes to assigning different responsibilities to the family members in the wedding. For children, this decision is of the utmost magnitude and enthusiasm. At times, in this 'adult' business of wedding, the kids feel ignored. Therefore, make sure to keep these precious young things too actively involved in the process.
Areas of Kids Involvement in a Wedding
Below mentioned are a number of ways by which children can take part in a wedding:
By standing besides the bride and groom, the children can participate, thereby depicting a complete family.
They can help in selecting the colors and the themes of wedding arrangements. Their opinion can add a lot of value to the proceedings.
They could be made to perform a role-play, wherein a young boy can play the groom's role and a girl can act as the bride.
Children can be a helping hand in attending the guests, though should be supervised if they are too young.
Teenagers can accompany the couple in the church too.
Children are very creative. Their involvement back stage can be definitely welcoming. Now in this context, creativity consists of the following:
To some extent, the decorations can be handed over to them.
Children can manage their counterparts very well in the wedding.
Things like table decoration and distributing gifts to all children can also be practiced.
Consult with the kids on specific details. Small contributions, like choosing a favorite flower or a particular color.
Children may display their, such as music, writing, subtle dancing, etc.
One of the marriages I attended lately had teenage girls handing out a single fresh flower to every woman, as they entered the church. This really impressed me and would have definitely made all those women feel special. These are just a few wedding ideas that include children. There can be many more, you just need to be innovative. Who says it has to be conventional? At times, it is nice to see things done a bit differently. This prevents the ceremony from get boring.
Bridal Online Store offers discount prices on wedding dresses and offers detailed wedding planning ideas.
Wednesday, July 1, 2009
What are the styles of a simple wedding dress
While many brides would love to have a dramatic wedding dress, there are others who are uncomfortable with too many embellishments and would like to opt for a simple wedding dress. The problem these days is that the styles that are in vogue have too much detailing. They call for a whole lot of embellishments, lace, sequins and flounces, which may not be what you as a bride would want. If this is the case you need to go for the classic, simple and elegant sort of wedding dress.
In the current economic slump it makes sense to keep it simple. Many brides prefer to keep their wedding dress simple, not because of any constraints but simply because they see themselves as simple women. Simple does not mean un-trendy but simple does mean devoid of any kind of fuss. The simple wedding dress need not be unfashionable or dowdy. Of course it will not be having detailing. It will avoid layering, flounces, frills, ribbons, beading, crystal work, embroidery or any other fancy stuff. But then, perhaps you would not like to walk down the aisle wearing something that looks like rolls of lace and sequins wrapped around your body. You can achieve a classic, understated and chic effect with the right cut of the dress and the right fabric.
A simple wedding dress can be classy, feminine and elegant. Modern fashion is all-encompassing. Today's bride can choose from a wide range of styles to select the dress that is perfect for her wedding day. A simple style does not have to be dowdy. It can lay stress on the fabric of the garment, the cut and the fall. It can play with texture and color for the perfect look.
The traditional wedding dress has been white in color. Over the years brides have experimented with the white color and used cream, egg-shell, ecru and pearl. However in the recent years, brides have also started using non-traditional colors like purple, pink, and others for their wedding dress. If you do not want to wear white, you have a range of colors to choose from.
If you do not want to spend too much on your wedding dress, you can get yourself a simple gown (a prom dress would also do) and invest the rest of your money on classy jewelery. After all jewelery is a great investment, and the dress is worn only once. The main point to remember here is that the entire ensemble should be balanced. The dress should be simple yet elegant and the jewelery adds the sparkle. So chose your jewelery for the occasion with care.
Select the style and cut of your simple wedding dress carefully. For a tall slim figure a sheath is wonderful. This also complements a petite figure. Simple Silhouette is a style that accentuates the curves and is very elegant. Select a neckline and other details to emphasize the accessories and jewelery.
If you have a perfect hourglass figure, it can be accentuated with a two piece and corset style of dress. It can be very simple, with clean unbroken line, accentuating the waist. The Empire wasted wedding dress is ideal for a bride who has a fuller waist. Again this style does not need any lace or flounces. Even the layering can be minimized or done away with. This can be worn with heavy jewelery that takes away the attention from the body shape.
For a pear shaped figure, the A-line cut is a wonderful way to camouflage the full hips. It is figure hugging at the waist and bust and flows in simple lines over the lower body. Of course, you can browse the design catalog for the best way to style it. It can be with sleeves or with noodle straps. It could also be backless. You will be the best judge of the design suitable for you.
There is a wide array of fabrics to choose from. Select a fabric that is best suited for the style of your dream dress, keeping in mind the fact that you have chosen not to embellish it in any way. Silk is the traditional choice of brides. It is natural, strong and durable and has a shine. Silk today is woven with other materials to give you a wide variety of fabrics like duchess satin, shantung, Carmelle etc. You could also use velvet, Georgette, taffeta or even chiffon for your simple wedding dress. Keep in mind that the design of the dress is simple so the fabric and cut should be perfect to emphasize your beauty.
Bridal Online Store offers the most selection and best prices for wedding dresses and beach wedding dresses.