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By: Brooke Hayles

This is the time! The day you have been longing for, but perhaps not so sure about. The desk may be cleared and everyone is admiring the presentation gold watch in its smart box. You may even have your retirement lump sum-could be the largest sum of money you have seen in your life. It is a good feeling but can also be an intimidating one. Now more than any time you need good investment advice. Even in being careful, you face financial risks at retirement time.

The Main Risks Are
* Longevity: the risk of outliving your assets is very real.
* Inflation: the inexorable price-rise in goods and services will eat away at the purchasing power of your hard-earned savings.
* Asset allocation: if you haven’t chosen the right mix of investments, your portfolio could fail to grow.
* Health care expense: you need a reliable source of income to cover rising health-care costs.
* Withdrawal rate: if you withdraw too much too soon, you are in trouble.

To be Secure In Your Retirement Investing:

* Diversify
* Safety First
* Build Continued Growth.

With this in mind have you considered gold investing?

1) DIVERSIFICATION
Whether your investment approach is conservative or aggressive, gold investing can play a vital role in the diversification of your portfolio. Most experts recommend a gold holding of 5%-10%.

2) SAFETY
As we painfully learned from the NASDAQ bust, any stock, no matter how seductive it may seem, always has the potential to plunge to zero. This will never happen with gold. Life is full of unpredictables-hurricanes, tornadoes, terrorist attacks. Gold investing is the perfect way to protect the foundations of your portfolio from an unpredictable future.

3) GROWTH
Recently, a long-term subscriber to an investment newsletter wrote: “I have been following your gold suggestions since December of 2001 and have made a barrel of money. The ten gold stocks you recommend now, if held since then, are up about 500% on average. Not too shabby while gold bullion is up about 70%, a 7-1 ratio.”

Currently, world gold demand exceeds global gold supply by 60%-100% annually; as the mines cannot extract gold fast enough to meet this demand. A shortage leads to higher prices. Nobody can guarantee that anything will last forever, but in the short term the gold price will rise.

So what shape could your gold investments be in?

Just as you can diversify your overall portfolio, you can also diversify the gold part of it. Gold investing takes three main forms:

1. Owning physical gold-the safest, “insurance” part of it. And the most exciting part? When you hold gold in your hands for the first time, you understand why it has generated such a passion through time!

2. Gold stock-investment in quality gold mines. This is for the “growth” part of your portfolio.

3. Gold derivatives-only for those who are not averse to risks!

Some people may give you a strange look if you are talking of gold investing! There are great ideas floating around:

* Gold provides no return. But it doesn’t need to-it keeps going up in value!

* Central banks will sell their gold. They have in the past and have recently realized it is not a wise policy.

* The government could confiscate gold. It is true that this happened in 1933. But things have changed so much since that time; the chances of this now are virtually nil.

If others are uneasy about gold investing, all the more reason for you to do it and do it well! So that you can enjoy your golden years!

Summary:

The main factors of gold investment are… To be mindful of your retirement with diversification, safety and growth. With these in mind, you will do wonderfully well to consider gold.

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Article Source: http://www.articlesnatch.com

About the Author:
Author: Brooke Hayles
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One of the major effects of globalization is the growing demand of cost-effective means of communication. Since the number of Internet users is constantly increasing, services based on VoIP technology have a growing demand. People often choose softphone services over regular telephony services, as using VoIP offers significant advantages in comparison with traditional phones. Replacing desk phones with softphone applications is a common tendency both in the business world and among home Internet users. The popularity of VoIP solutions is justified by the effectiveness of the softphone, as this type of application is both easy to use and has a low cost.

Many people choose VoIP technology solutions, because a softphone allows them to make calls directly from their personal computers. This type of software application is very popular with Internet users worldwide because it allows not only voice data transmission, but also exchange of files of considerable sizes, including images. VoIP solutions are constantly improved and upgraded to include more and more advanced features that increase their effectiveness. Learning how to use a softphone is mainly intuitive as its interface is user friendly and similar to the mobile phones’ interfaces.

Using a computer and an Internet connection to make long-distance calls at low costs is probably the main reason why so many people choose VoIP telephony over traditional phones. Not only household users, but companies dealing in various industries also tend to use softphone applications on a wider scale. Global communication with their business partners is essential for companies who want to expand on the world market. Such companies often choose VoIP solutions to optimize their communication’s budget. Another reason why such broadband phone services are preferred is that using softphone applications also lowers the budget for office equipment, as they are integrated in the database systems used by employees.

Ever since the mid-90s, when VoIP started being used, solutions based on this technology have been constantly adopted, along the lines of globalization and of the increasing communication needs brought about. Traditional telephony services are still in use, but they are often paralleled with softphone applications, both for making PC-to-PC and PC-to-phone calls. VoIP solutions are readily adopted by people who spend a lot of time working at the computer and who find it easy to get used to softphone applications or PC phones as they are often referred to.

Using VoIP technology has few disadvantages, the main one being lack of mobility. Softphone users can only make calls from their PCs, which can tie them to a certain location. However, this drawback is compensated by the fact that many people use PC phones instead of regular landline phones in their workspace. High-quality VoIP transmissions also require a broadband Internet connection and are dependent on the band width available at the moment when the call is made. Heavy traffic can impede proper communication by means of a softphone. The availability of broadband Internet, however, has increased over the years leading to the fact that more and more people use PC phones.

Companies which provide VoIP solutions usually offer a free software application which is easy to install and set up. The interface of any softphone has many customization options and these features help users learn how to adapt such an application to the personal needs very quickly. A softphone includes a contact list, similar to the phone book of a regular phone and a dialing pad window for making PC-to-phone calls. A software application based on VoIP technology allows keeping a track history of the calls made and received, much like the call register menu of mobile phones and also requires the use of a headset, speakers or a microphone.

There are many advantages to software applications based on VoIP solutions, which determine people to replace their traditional landline phone with a softphone. The time of a call made by using a softphone does not impact on the overall cost. Moreover, an application using VoIP technology is integrated in the used system, a feature all users find extremely comfortable. The reduced flexibility that comes with using a softphone and not a mobile is made up for by the possibility of call forwarding when the user is offline. All these considered, IT specialists predict a bright future for VoIP technology, which is slowly but surely replacing traditional telephony.

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If you are interested in what the modern world has to offer, you can now benefit from VoIP technology, use a softphone and spend less to talk more.

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Every niche in the world has its own language and terminology. There are terms like chirping, mucking it up, bender, duster, grinder, sieve, ankle breaker and snipe, amongst many. The hockey language is so detailed that only genuine, die-hard enthusiasts can really comprehend each detail. Several time terms that are used can be the similar terms that can cost teams the dreaded penalty shots and sometimes a spell in the penalty box.

League rules and regulations recognize around 27 different kinds of plays as penalties. A referee is required to know all the terms and what they mean; more importantly he should be able execute and implement the rules during a game. Hard-core fans who spend plenty of time watching the game eventually do pick up on some of the terms. Though there are plenty of occasions to make calls throughout the game, the most common of all calls are when players of team end up fighting with the rival team and sometimes even amongst each other. Unsportsmanlike behaviour on the ice is the second most common call. Understanding the complex terminology of ice hockey language is an acquired talent that requires a lot of patience and listening.

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When deciding what to give a couple as a wedding gift, sometimes the best gift that you can give them is one which reminds them of that special day for many years to come. One such gift which can accomplish this is a wedding time capsule. Quite simply a time capsule is any container in which is placed memorabilia of a particular event or a certain time period. The time capsule can be made relating to any event that you would like. A wedding is a perfect example of when a time capsule makes perfect sense.

A time capsule is like a three-dimensional photo album of sorts. Not only will it contained photographs but it will also contain other types of memorabilia from the wedding. Some of the things which you can include in a time capsule that you intend to use as a wedding gift are wedding invitations, napkins, party favors from the reception, pictures of the happy occasion and even a copy of the couple’s wedding vows would make a good addition to the time capsule.

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