There are mints all over the world that create and distribute silver bars. Several mints that create silver bars include A-Mark, Asahi, Atlantis mint, Geiger, Engelhard, Highland Mint, Johnson Matthey, and Silvertowne. Engelhard is perhaps the most well-known minter of them all. They have been in business for over two decades and are recognized as the most renowned brands in the entire bullion industry. The desire and the demand to own Engelhard-branded silver bars is so strong that the value of these bars is even higher than that of silver coins. A-Mark is a metal trading company located in Santa Monica, California. They started small but have grown to be one of America’s largest distributors of gold, silver, and platinum. The 10-oz A-Mark silver bar is the most popular product of this company. Asahi is one of the newest companies to enter into the precious metals industry. They have quickly moved up the ladder to become prime distributors of gold and silver bars. Asahi Refining facilities first started with the production of the 100-oz silver bars featuring a rustic and simple design. Each silver bar is stamped for weight, purity and the assayer’s mark of the brand. Geiger Edelmetalle is the producer of the popular security line of silver bars.

Credit cards are useful for borrowing money from banks, buying items when cash is insufficient, etc. It can be used to pay for simple weekly groceries in the neighborhood department store or pay for expensive holidays in exotic destinations around the world. A specific period of time is given to repay the money as it is, without any interest. For any time taken over and above that, interest has to be paid on the amount of money borrowed, at different interest rates, and these rates depend on a lot of factors. Credit cards can be used by individuals or businesses. Business credit cards are owned and used by multinational corporations, proprietorships, and every entity in between the two extremes. The benefits of business credit cards are vastly different from those issued for individuals. First and foremost, for easy accounting and clean tax records, an independent credit card for business expenses is a must. It enables a clear distinction between private and company accounts. There is no confusion whatsoever, and profit and loss calculations are absolutely transparent and become less of a time-consuming process. Secondly, tracking business spending would be simple and analyzing where to curb and where to extend allocation of funds is made effortless.

The entire gamut of planning, organizing, directing and controlling the monetary operations of any establishment is financial management. Irrespective of whether the liability is for a minuscule business, one subsidiary of a large corporation or the whole conglomerate itself, the process of handling finance is the same. There could be variations in the methods and magnitude of acquiring and utilization of funds certainly, but the importance of skilled financial management is unquestionable. Checking cash flow of both receipts and expenditure, forecasting the movement of money to observe whether there will be shortage or surplus and plan accordingly for loans or investments as the case may be, insuring against risky negotiations and lawsuits, commanding hedge funds to reduce the risk of losing money on shares, bonds, etc. that the company may own, limiting the consequences of risks arising from disasters caused by products or processes of an industry, establishing and updating accounting systems for international business dealings, restraining damages caused by competitors or natural phenomenon, cashing in on profitable purchase or sale of fiscal products for the company, fixing the quota of dividend sharing with shareholders, designing the growth and diversification programs that is best suited for the business, are just a handful of the infinite functions of financial management.

GEICO, a trusted car insurance brand, offers cheap and affordable car insurance policies that are light on the pocket. They provide some of the best insurance policies for your vehicle and you can rest assured be at peace while they cover all the major factors for you. Listed below are some of the discounts offered on auto insurance plans by GEICO. Vehicle equipment There are a lot of discounts available on vehicle equipment by GEICO. You can save around up to 25% on driver-side airbags and approximately 40% on full-front seat airbags. This discount will also be applied on medical payments or personal injury portion of your car insurance premium. You can get a discount of around 5% on the collision portion of your premium if your car comes with a factory installed anti-lock braking system. Does your car also have a built-in anti-theft system? If yes, it could help you get another 25% off on the comprehensive portion of your premium. You can save on some car insurance coverage plans if your car has Daytime Running Lights as a standard equipment. Driving history and habits Do you have an extremely good driving record? If yes, it can definitely earn you some discounts. If you have been driving without an accident for around five years you can save around 26% on most coverage plans.

A new mortgage taken out in an effort to reduce monthly payments, take cash out of your home for large purposes or to change mortgage companies is generally known as refinancing. Like in everything in our day to day life, refinance mortgage also comes with a set of pros and cons. Reducing the interest rate on the original mortgage is the main and foremost advantage of refinancing. Over the course of time as people get settled down in their work, their potential of making money goes up; thereby helping them pay their bills on time which leads to a higher credit score. With their credit score better than when they first took the mortgage, the opportunity of decreasing their interest rate is what makes people opt for refinancing mortgages. A lower interest rate is simply a blessing in disguise as it saves you hundreds of dollars a year by lowering your monthly payments. The second reason that people opt for refinancing mortgages is when they purchase a costly product or services like a new car or credit card debts. The way this is done is by taking an equity take-out loan for their home. Many people renovate their houses after they buy it; thereby increasing the resale value of the house.

When it comes to choosing a mortgage lender to get funds for buying your dream house, you would only want the best provider in the country. A few lenders have held their ground and proved time and again that they provide quality as well as service. Scroll down to take a peek at some of the most popular mortgage lenders: Bank of America Home Loans: The unveiling of the Home Loan Navigator® system, an online tool designed to simplify the loan application process, took Bank of America to the top position on this list of mortgage lenders. Users can track their application and submit documents electronically through this tool. Bank of America also has a scheme called the Affordable Loan Solution Mortgage which allows homebuyers to reduce the amount of money needed for the down payment. Chase Mortgage: Chase offers broad lending options. Customers can pick any mortgage option that suits their needs like their 15 to 30-year loans, jumbo loans, VA loans, ARM mortgages, and more. They also offer online tools for easy loan management. CitiMortgage: Homeownership Preservation was created by CitiMortgage to provide homeowners access to counselors who guide them regarding steps to prevent the loss of their home.

Refinancing is nothing but getting a new mortgage to replace your original one. People opt for refinancing only when they get a better interest rate and term. When the first loan is paid off, the second loan is created by forming a new mortgage and throwing out the original one. For the question “is refinancing a good option for everyone?” The answer is definitely a no. For borrowers who have a good credit score, refinance mortgage can be a good option as it provides the borrower to convert his mortgage from a variable loan rate to a fixed one which will also bring a decrease in the interest rates. This is not an option for borrowers with a low credit score or too much debt as it is a risky process. For any homeowner, repaying his mortgage is a difficult process. Especially with the high rates of interest and the unstable economy, it is not as easy to make your mortgage payments. If you ever find yourself in this situation, then you can consider refinancing your mortgage. Ignorance is not bliss in this case; being ignorant about refinancing can be very risky and can get you into a lot of trouble.

Are you one of those who hate paying monthly installments? Would you rather prefer living in a rented apartment and not wanting to worry about availing home loans, repaying them, and maintaining your home? Here are a few important reasons that could possibly change the way you look at this situation and probably make an informed decision when planning to buy a home. Home loan procedures are seamless Gone are those days when you needed to wait for ages to even meet a person from the bank. With the advancement in technology, you can easily apply for a home loan provided your credit score is up to the mark. Just bring along the necessary documents and you will be able to avail a home loan that would suit your financial needs. Rental prices are increasing Every year, rental prices increase by an average of 4%, which implies that in roughly three years you will be paying 12% more than what you are paying now. Simply put, this inflation rate would create a dent in your finances. Since more people are opting for rented apartments, the demand for the same goes up, resulting in an increase in rental prices. Why pay rent when you can actually substitute that for a monthly installment on your new home?

Young people just out of college believe that they can conquer the world. However, by the time they reach their 30s, they develop a pragmatic approach to life. After a decade passes, they become prudent in their behavior. As one grows old, they begin to think of things in retrospect. One case where this comes into play is regretting not getting insurance. When it comes to health insurance, particularly dental insurance, it is always better for seniors to play it safe. An enhanced dental insurance policy is a fundamental prerequisite for anyone who can afford it. Without an insurance policy, it may be difficult for seniors to make payments for medical expenses. Dental insurance for seniors is essential because various health conditions like osteoporosis, cancer, heart disease, diabetes, and many other conditions share common risk factors with oral diseases. There is a need to recognize that the general health of an individual is closely related to their oral health. When one realizes this, they will understand the need for dental insurance. Dedicated dental insurance policies for seniors incorporate an assortment of care and treatment packages. Everything from yearly dental prophylaxis, systematic oral evaluation, X-rays, diagnostic casts, palliative or emergency pain relief, cementing, adding crowns, molds or fillings, root canal treatment, extraction of decayed teeth, fixing complete or partial dentures, repairing and servicing dentures, scaling and graft procedures, and plenty of other remedial and management measures for teeth and gums are covered.

Health insurance is essential as it pays for the physician-recommended health care so that customers don’t have to pay large health care bills out of their pockets. Medicare supplement insurance refers to the various private health insurance plans sold to supplement Medicare in the country. It is to be noted that health insurance has become mandatory in the year 2010 under the Patient Protection and Affordable Care Act (ACA). Since then health insurance companies have started bringing out more choices in health insurance for the customers so that the customers choose to buy their company policies rather than their competitors. Let’s take a glance at a few of the top rated supplement insurance companies which help you restore your medical expenses. Highmark It is one of the highest-ranking insurance companies in the country providing health insurance and vision care. WellCare This insurance company provides government-sponsored managed care plans with a lot of attention given to Medicare Advantage, Medicaid and Medicare Prescription Drug plans. They serve all ages of people. American Republic Insurance Co They are a big help to individuals and families, small businesses and other customers as they provide Health insurance, Medicare supplement insurance, and other solutions. Kaiser Permanente Insurance They form a huge insurance company with over 17,000 doctors working to treat a 9 million customer community.

Mortgage calculators are designed to help people who want to buy a home evaluate their monthly mortgage payments. However, there are several kinds of mortgage calculators available in the market. Some help with making the initial payment on the house whereas there are others who help with the bi-weekly or monthly payments. Listed here are the mortgage calculators that are truly effective. Refinance mortgage calculators Refinancing is to be taken quite seriously as it is not as straightforward as it seems and must be cautiously handled. The refinance mortgage calculators are the ones that clients looking to refinance any property should look at. There are various kinds of costs and fees associated with refinancing a house. The basic and preliminary work of the refinance calculator is to look at what the new monthly payment will be. This tool helps you decide whether you want to travel down that path or not. Mortgage qualification calculators This calculator looks at all the other payments like student education loans, car payments, and credit card debts that a person has and utilizes the fixed rate principal. The mortgage qualification calculators help you analyze and calculate whether you will be eligible for applying for a home loan.