Personal Finance

Britain to Raise Retirement Age to 68 to Try to Save Pensions

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Posted by Martin Armstrong - Armstrong Economics

on Friday, 28 July 2017 07:08

20-Downing-StreetThe Work and pensions secretary David Gauke have revealed that parliament proposes to raise the pension age to 68. The pension crisis that is brewing throughout Western culture reflects the insanity of lowering interest rates to try to “stimulate” the economy. This policy has set the stage for the next great crisis brewing, which will expose the postwar Socialism is just a total failure.

The rise in government on average to about 40% of GDP means that this is consuming the wealth of every nation and suppressing the economic growth. This is forcing people to work longer to survive and hence they do not retire quickly into the sunset holding on to jobs that then in turn cause higher unemployment in the next two generations. There is not much we can do about this because politicians will never act to prevent a crisis, they perfect to act only when a crisis emerges. Consequently, the Pension Crisis is simply unavoidable.

...also from Martin:

Chernobyl and Bikini Atoll Are Rewriting Science


Personal Finance

5 Things I Look for in Exploration Companies

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Posted by Jordan Roy-Byrne - The Daily Gold

on Monday, 24 July 2017 07:05

5-Things-I-Look-for-in-Exploration-Companies opt3-1024x769Three months ago (April) we covered the reasons we primarily invest in junior exploration companies. We promised to follow up with some criteria we follow in attempting to pick winners. Here are five things we look for when evaluating and selecting junior exploration companies. 

Management has a track record and experience.

There is a decent number of executives in the junior industry that were part of or led a company to an acquisition. If they have done it before then they know what needs to be done in order to do it again. If management has not been involved in a transaction, check to see if they have discovered a deposit or expanded a resource through drilling. Also, seek out the executives that had ample experience at a major company. 

Do not stop with the CEO. Also consider the track record and experience of the chief geologist. They are just as important. 

Strong capital structure and a small retail float

The capital structure refers to the cash, shares outstanding and warrants and options. We are looking for companies with cash, tight share structures and tight floats. That means enough cash to move forward (without needing to raise multiple times) a low number of warrants and options and a small retail float. 

The float is the number of shares available for trading after subtracting closely held shares. The smaller the retail float, the more amount of stock is tightly held (by insiders, institutions and large investors). Stocks with tighter retail floats can rise more quickly than stocks with larger retail floats. It’s basic supply and demand and the size of the retail float is just as important as the overall structure itself.

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Personal Finance

The Tax Man Cometh

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Posted by MoneyTalks Editor

on Tuesday, 18 July 2017 13:38

bill morneau

The on-going theme of government seeking every tax dollar possible is playing out as the federal government proposes to eliminate an "up til now" regular part of small business and professional tax planning. The Trudeau government proposes to target private corporations with family members as beneficiaries along with two other tax plan. CLICK HERE for more details


Personal Finance

Your Plan B - How to build an exceptional offense

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Posted by Simon Black - Sovereign Man

on Tuesday, 04 July 2017 14:23

Yesterday I talked about how to build the first part of your personal Plan B-- an impenetrable defense. 
offenseToday I’m going to show you how to build a strong offense. 
Once you have a strong defense that protects everything you have, a good offense positions you for gain. 
It helps you move the ball down the field, grow your wealth and achieve exceptional investment returns… all while taking minimal risk. 
Step #1: Invest outside of the mainstream

When I say outside the mainstream, I don’t mean weird or highly risky. I mean beyond conventional wisdom… in other words, beyond stocks and bonds. 
In fact, I always look for smart investments that have high risk-adjusted returns. 

In other words, I would prefer an investment with a 9% return and little risk of losing my capital over a super risky investment that could return 25%. 
 And the best way to ensure that is to buy: 
(1) High-quality assets 
(2) Managed by competent people of integrity 
(3) At prices that are at/below intrinsic value 
There are plenty of high-quality assets out there today. But finding anything at a decent price is next to impossible. 

The stock market is at an all-time high. Companies are selling for huge multiples of their earnings – like Amazon, which trades at a price-to-earnings ratio of 180. 

But if you look outside conventional investments, you discover a whole, new world of opportunities. 

Things like… deeply undervalued international stocks, secured peer-to-peer lending, private businesses, agricultural real estate and even royalties of songs
For example, our colleagues at Silver Bullion, the most advanced bullion depository in Singapore, have created a peer-to-peer lending platform where investors can loan funds against gold and silver, typically backed at a 2:1 margin, at deposit rates up to 6%. 
In other words, you can lend $50,000, and earn a strong, 6% return while your money is backed by $100,000 worth of gold and silver.



Personal Finance

Demographic Trends for the 50-and-Older Work Force

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Posted by Jill Mislinski - Advisor Perspectives

on Friday, 09 June 2017 06:55

Note: This commentary has been updated with the latest numbers from last week's Employment Report.

Our earlier update on demographic trends in employment included a chart illustrating the growth (or shrinkage) in six age cohorts since the turn of the century. In this commentary, we'll zoom in on the age 50 and older Labor Force Participation Rate (LFPR).

But first, let's review the big picture. The overall LFPR is a simple computation: You take the Civilian Labor Force (people age 16 and over employed or seeking employment) and divide it by the Civilian Noninstitutional Population (those 16 and over not in the military and or committed to an institution). The result is the participation rate expressed as a percent.

For the larger context, here is a snapshot of the monthly LFPR for age 16 and over stretching back to the Bureau of Labor Statistics' starting point in 1948, the blue line in the chart below, along with the unemployment rate.



....continue reading HERE



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