Clare Louise


3 Useful Tips for Making The Most From Your Silver 

Investing in commodities like precious metals such as gold and silver can be extremely profitable. Silver and gold have been used as currency for a centuries. These metals are now commonly used in industrial application but a chunk of them are used as investment vehicles. The price of gold and silver fluctuate because of a number of reasons like inflation, speculation and trading trends that change all the time. Silver is often overlooked because people associate it with tableware but there is more to silver than just knives and spoons or expensive tea sets. When you buy silver bullion, where can you sell it and what can you get for it. Logic dictates that you buy silver when the market is low or when the spot price of silver is low, that is when you should buy and when the spot price goes up, and then you can sell silver bullion for profit. However the price movements of precious metals like silver are largely unpredictable. Those who watch the markets closely will have noticed that the price of silver is cyclical at best. Good investors will buy silver at one end of the cycle and then ell at the other. Savvy investors do not react in accordance to their own margins but they watch the price trends. 

  • What do the cycles mean?

Cycles can take different times to go from one extreme to the next. Silver can be bearish for some time and whilst the major commodity short sellers drive the price down even if industrial demand rises and supply plummets. The cycle can turn abruptly, lose or gain traction. Then it can abruptly turn and gain traction quickly. Silver prices can go up or down very quickly several times annually which can make it difficult for the new silver investors to pinpoint the best time to buy silver or to offload the silver they already own. 

  • Make it Brief

A lot has been said about the psychology of investing. Much like gambling, some detractors of investing in either gold or silver, people can get hooked on the process, getting a kind of high when they are on top of the investment cycle. Holding out for too long can be detrimental but selling too quickly can also cause disappointment, especially when the precious metal takes a sudden turn and the price rallies even higher. To ensure that this doesn’t happen to you- Take stock of your silver to ensure that you have you are not overexposed. Decide the optimal percentage of silver you want to keep in your investment portfolio and then sell off the excess silver. If you know a local dealer or coin shop around in your area, you can sell your silver easily and quickly. Don’t wait too long to make a decision about buying or even selling silver. There is no right or wrong time etched.

  • Avoid Panic Buying or selling

Overstaying your visit in the silver market is also not a good strategy.  There are some people who are psychologically averse to loss and they can let their fears cripple them. Don’t be that person. Silver is very volatile and a small decline can grow into an even bigger loss. Alternatively, you could end up taking a loss because you are too panicked to make a move either way. Or you could give in to fears of the commodity’s price losing its value and sell gold bullion prematurely. Most precious metals will hit a bounce back. The moral of the story is that you should never give in to pressure to either sell or buy silver. 

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How to play Baccarat? 

Baccarat is a famous card game said to be originated from France and Germany. This game involves only two players, one is the banker or the dealer and the other one is the player. However, the number of people who are making bets over the outcomes can exceed as much they might. 

How to play Baccarat? 

Baccarat is a famous card situs pkv game. In this game, e, each player, dealer, and player are dealt two cards each. The person who supports the hand which is closest to 9 wins. If you bet on a player, and he has a winning hand then your wager gets automatically doubled. Similarly, if you bet on the dealer, and he has the better hand, then you get 95% of the water. It is because the best part of it is deduced as house edge. 

When the cards exceed the value of 9, then you have to remove the 1 or 2 of the value. It gives you the actual value of the cards. The player with card value closest to 9 wins. 

While playing a Baccarat game you should be aware of the following factors:

  • You should know that you can either bet on the dealer or the player. 
  • You should be aware of the cards are dealt. Each player is given 2 cards. 
  • You should know how to find the value of cards. 
  • Seeing results, you should be able enough to know the outcome of the game. 
  • You can also consider whether the player will be dealt another card or not. 
  • Know what the actual use of the third card is.
  • Once cards are dealt, calculate the winning hand. 

Some Rules of this Game

  • If rather the dealer or the player is given a sum of card value 8 or 9, then the dealer and the player stand. 
  • If the player’s total is 5 or less then the player will be given another card or if not, then the player will stand. 
  • If the player stands, then the banker hits on a total of 5 or less.
  • The final betting option, a tie, pays out 8-to-1. There are also sheets at the table for you to keep track of your score.

On a normal scale, this game is pretty similar to the traditional blackjack game. This is a really popular game as it supports a really low house edge. Therefore, people are likely to make more bets on this game as it is a sheer outcome by luck. Either of the two players has to be a winner. Therefore there are 50:50 chances of winning. This is a pretty good score for a casino game. 

Be careful too in your mind that the cards Ace or the face cards are worth zero in this game. And if the card value of the player’s hand is lesser than or equal to 5, then he is given a choice to be able to pick another card. After picking that card up, the outcome of the game is decided. 

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Four Benefits of Barcelona Virtual Reality Tours

Barcelona is Spain’s second-biggest city. It is also one of the key economic and tourist destinations in the country. It attracts all types of travellers, from those who love beaches and nature to though who value art and music. While the current pandemic may not make it possible for some travellers to visit Barcelona in person, Barcelonian VR tours are available to let them explore the city from the comfort of their homes. Virtual reality tours can benefit both those who can’t go to Barcelona in person and those who can. Here are the benefits of VR tours:

Get a 3D Tour Before you Touch Down

If you can visit Barcelona in person, a 3D tour can give you a peek of the location before you arrive at your destination. Virtual reality differs from mere photos because the technology lets you immerse yourself in the experience. Then, you can feel the city’s culture before you set foot in town.

Plan Sights to See

You never get to see everything you desire during a Barcelona trip. This is because major sights go unnoticed because of poor planning. Virtual reality tours let you learn the names and locations of all major sights in Barcelona in advance. Also, you can look inside significant locations to determine if you would want a real-time walkthrough of this sight. 

Explore the City with Just a Few Clicks of a Mouse

Virtual reality tours let you discover the highlights of the history city from the comfort of your home including its architecture and culture. A professional guide will lead the tour to help you discover landmarks such as the Sagrada Familiar and Park Guell. The tour offers an interactive experience where you can ask questions and converse with your guide, making sure you maximise your virtual trip. The tour guide could be a licenced guide or a local in the city who wants to show you around. 

Pick Between Destinations

If you cannot afford to take vacations that include many destinations, a virtual reality tour can help you pick the best destinations in Barcelona because this technology lets you compare sights and sounds. 

A Barcelona virtual reality tour includes many stops. This can include a visit to the Sagrada Familia, which is the most emblematic landmark of the city. Another stop worth taking is the famous park and Modernist work of art called Park Guell towers over Gracia’s vibrant bohemian neighborhoud. Your tour may also include visits to Montjuic, Gothic Quarter, Passeig de Gracia, and more. 

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What Are The Steps You Need To Take Before Borrowing From A Lender?

In this article, we will discuss the steps you need to take before you borrow money from a lender are. Also, we will discuss how to know if a lender is licensed and some practices which they are not allowed to do.

Who are licensed moneylenders?

Licensed moneylenders, according to the money lending act, are those people who give out loans. This means that these are the people who have been allowed by the law to give out loans to people. These are those people who are licensed to carry out the business of moneylending. They can either be a single person or a group of people who can be called a moneylender.

No person is allowed to be a moneylender unless they are allowed by the law to do so. Many people in the market are illegal lenders and trick people. That is why the law has warned the borrowers to check first if the moneylender is licensed or not. This step needs to be done so that you can avoid yourself and others from getting scammed.

There are also pawnshop owners and other people who can apply to be licensed lenders. Moneylenders usually have their office timing in which you can visit them and take a loan. Most of the moneylenders that you find in the market will be closed for the weekend. While some money lender open on Sunday as well due to their business. This is a very serious business and needs to be taken seriously by everyone.

The lenders and also the borrowers need to be on good terms with each other. This is done to avoid any kind of misunderstanding or rivalry between the two of them. Moneylenders are those people to who the government has granted permission to give out loans to people.

How to know if a moneylender is licensed or not?

There are different ways in which a person can find out if a moneylender is legal or not. But the very quickest and simplest way is to check their registration on Minlaw’s website. Here is a list of things you can check to see if a moneylender is licensed or not.

  • A licensed moneylender will always want to meet the borrower in person.
  • The moneylender is not allowed to contact the customer through phone or Email.
  • If you are approached by a lender who has made contact through message, then they are a fraud.
  • A licensed lender can advertise about themselves by printing posters and online media.
  • They will have their online website named after their company which will be licensed.
  • Advertisements like posters and hoarding will be posted around the place where the office is located.
  • A licensed moneylender will always make sure to understand the terms and conditions of the borrower.
  • They do the above step to make sure that there is no misunderstanding between them.

What are some prohibited practices for licensed lenders?

There are many lenders which you will find in the market who claim to be licensed. Here is the list of practice which a licensed lender is prohibited from doing and you can catch them easily.

  • They cannot use abusive or loud tone language with their customers.
  • They will never ask for your sign pass ID and password to check details.
  • They will give back all the necessary documents which you have provided them with.
  • They will never ask you to sign a blank contract or a blank cheque for any reason.
  • They will never grant you a loan through SMS, emails, phone calls, or text messages.
  • They cannot hold any amount of the principal of the loan with themselves and give you later on.
  • They are not allowed to keep any kind of confidential information with themselves.

What are the things to do before you take a loan from a licensed moneylender?

Here is the list of things you need to do before you take a loan from a licensed moneylender.

  •  Determine your ability to abide by contract terms

This means that before borrowing, you should make sure to read the terms and conditions of the contract. Then you will have to decide whether you can abide by these terms and conditions. A licensed moneylender will tell you the terms and conditions in the language which you understand. Then they will also check on your behalf if you are meeting all the requirements or not.

  •  What happens if you do not abide by the terms?

If you fail to abide by the terms and conditions of the contract, then the loan will not be given. But if you take a loan and fail to repay the amount on time, then you have to pay late repayment fees also.

  •  What is interest charged by lenders?

The maximum amount of interest that can be charged by any of the lenders is %4. That is because this is the percentage which has been declared by the government as the highest amount. Those lenders found going above this limit will be declared illegal.

  •  Other fees that are incurred

The loan approval fees or administrative fees cannot be more than %10 of the principal amount. The late repayment fees charged to any of the borrowers cannot be more than S$60 per month. They will have to pay the legal cost, which will occur when they take this loan.

  •  Beware of Caveats

This is the thing where if you fail to repay the amount of the loan, the lender can take it from your property. It means that they can take any part of your property and sell them in the market. They will not even want any permission s you have signed the contract.

Many people still wonder how to get personal loan in Singapore. The answer is simple as you can either take this kind of loan online or offline. In online, you have to complete the process in the online format like pictures and all. But offline, you will have to fill out documents and provide proper verification.

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