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THE DOWNLOAD MONEY MATTERS


EMPLOYER PET INSURANCE Health insurance for pets is in high demand since about 23 million households adopted or purchased a pet during the pandemic. Now, many workplaces are off ering a furry benefit. The Society for Human Resource Management says 19% of employers off er some kind of pet insurance. Expect to pay $15 per month for dogs and $9 for cats versus $25-$70 a month if you buy your own insurance.


It’s important to us that our customers are not only educated


but that they are prudent.” — Phillip Patrick, sales manager for Birch Gold Group


government mint or otherwise be assayed for purity. Generally, that’s American Eagle coins and Canadian Maple Leafs in recognizable denominations, Hanney says. Then there are bars, which come


in increments as low as a single ounce. Modern gold bars are marked as 99.99% purity, while silver must be 99.90% to qualify for IRA investment. Hanney says: “It was reported that


Costco is selling 1-ounce gold bars, limited to two per customer, and they’re selling out right now. That gives you a sense of the demand right now.”


STARTING SMART Talk to an adviser fi rst, Hanney counsels, and learn if a tactical position in gold is a good fi t for your fi nancial goals. “It’s important to us that our customers are not only educated but that they are prudent,” he says. Kevin DeMeritt, founder of Lear


Capital in Los Angeles, concurs. “I always say start with education,” he says. “You can’t make knee-jerk reactions because the stock market is down or there’s a war going on.” Once people have done the basic research, it becomes easier to make a


decision about investing in gold. From there, it’s about what form — physical, an ETF, or via the stock market, say, in a gold fund or mining company. “It’s a preference thing,” DeMeritt


says. “If you do not want to take physical possession, then an ETF or a mining company can be an option. But there are risks. You may not be playing the gold market but playing a company and the gold market at the same time.” If you want to play the gold market


and have no third-party risk, then you take physical possession, he explains. “I think the most shocking part


about gold for people is that if you had purchased gold in 2000, it would have outperformed the stock market,” DeMeritt says. “You tell that to people and you can’t even believe it. Even with dividends, it still outperformed.” Still, gold is a commitment, not a


day trade, DeMeritt advises. “The problem I see with people


is they react very quickly,” he says. “They make decisions and a month and a half later they want to unwind because it was a reactionary decision. Typically, you want to hold metals for three, four years. If you get educated, you understand you should hold it for the long term.”


STREAMING SAVINGS Do you watch Succession, Stranger


Things, Ted Lasso, and Ahsoka? That means you subscribe to at least four diff erent streaming services, and you’re not alone. Many households are paying for multiple streaming services and when you add up the costs, you may want to rethink subscribing to all of them. To save money, consider bundling. For instance, a Hulu and Max bundle could save you $20 as opposed to subscribing separately. And during football season, you can find deals bundling Disney+ with ESPN. Also, save by opting to stream with commercials, and look for freebies or discounts from your phone company, cable provider, or employer.


SAVING TOGETHER If you and a partner aren’t ready


for joint bank accounts but want to contribute to a shared goal, like saving for a trip, try the Qapital app. It costs $3 a month. When two people sign up, you can use the Dream Team feature to contribute to your goal from each of your accounts. The group money stays in the app’s account, which is Federal Deposit Insurance Corp. insured, and you can leave notes to one another and monitor transaction history.


LANDLORD APP Managing Airbnb or long-term rentals brings in extra income, but landlord duties can be stressful. Stessa Pro (stessa. com) is an online platform that aims to ease that stress for $20 per month. The service runs background and credit checks on renters, manages tenant applications, and collects rent. Basically, it does some of the administrative tasks you or a management firm would handle.


DECEMBER 2023 | NEWSMAX MAXLIFE 83


VIOLETASTOIMENOVA©ISTOCK


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