Should I Buy Silver 2017
Diwali is a five-day long festival and starts with Dhanteras. The word Dhanteras translates to mean wealth and prosperity. It falls during the month of Ashwin and is celebrated on the 13th day, according to the Hindu lunar calendar. Dhanteras 2017 has fallen on October 17.
should i buy silver 2017
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On this day, people purchase gold and utensils along with new clothes. Goddess Lakshmi, who is regarded as the goddess of wealth, is welcomed into homes and people light diyas in their homes to celebrate this day. It is believed that worshipping her will bring wealth and good fortune in the house. Lord Kuber, the God of treasure, is also worshipped today by many. People purchase gold or silver jewellery, utensils and new clothes on this day.
The Health Insurance Marketplace Calculator allows you to enter household income in terms of 2017 dollars or as a percent of the Federal poverty level. Household income includes incomes of the person who pays taxes, the spouse, and children, known as dependents on tax returns. For the purposes of the calculator, you should enter your best guess of what your income will be in 2017.
When using the Health Insurance Marketplace Calculator, if some members of your household are eligible for Medicare and others are not, you should enter your full household size (including those who are eligible for Medicare) in Question #5. For the following question (#6), please enter only those family members who are signing up for Marketplace coverage (do not enter adults who are eligible for Medicare in Question #6).
You may be eligible for financial assistance through theHealth Insurance Marketplace. Financial assistance is only available topeople with incomes between 100% and 400% of the poverty level. The informationbelow is an estimate of what you would pay for subsidized Marketplace coverage in 2017:
Based on the information you provided, you are likely eligible for financial helpthrough the Health Insurance Marketplace. Because your income is equal to of the povertylevel, you may be eligible for tax credits in the exchanges. This type of financialhelp is only available to people who cannot get Medicaid and whose incomes arebetween 100% and 400% of the poverty level. The information below is an estimate ofyour cost if you buy subsidized Marketplacecoverage in 2017:
The costs above are for a silver plan in your area. Gold plans offer more financial protection if you get sick, but these plans have higher monthly costs. You can receive financial help to purchase any of these levels of coverage. There are no bronze plans available in your area.
For example, you could enroll in a bronze plan for about per year (which is of your household income). By enrolling in a bronze plan, you would receive in subsidies, which would cover the entire amount of your bronze premium, butyou may pay more for using tobacco. For most people, the bronze plan represents theminimum level of coverage required under health reform. Although you would pay less inpremiums by enrolling in a bronze plan, you will face higher out-of-pocket costs than ifyou enrolled in a silver plan.
For example, you could enroll in a bronze plan for about per month( per year),which is of your household income). By enrolling in a bronze plan, you would receivein subsidies, which would cover the entire amount of your bronze premium. For mostpeople, the bronze plan represents the minimum level of coverage required underhealth reform. Although you would pay less in premiums by enrolling in a bronzeplan, you will face higher out-of-pocket costs than if you enrolled in a silverplan.
For example, you could enroll in a bronze plan for about per month( per year),which is of your household income, after taking into accountin subsidies). For most people, the Bronze plan represents the minimum level ofcoverage required under health reform. Although you would pay less in premiums byenrolling in a Bronze plan, you will face higher out-of-pocket costs than if youenrolled in a silver plan.
For example, you could enroll in a Bronze plan for about per month( per year),which is of your household income). For most people, the Bronze plan represents theminimum level of coverage required under health reform. Although you would pay less inpremiums by enrolling in a bronze plan, you will face higher out-of-pocket costs than ifyou enrolled in a silver plan.
= c.p.subsidy_min && c.income_fpl You are guaranteed access to a silver plan with an actuarial value of. This means that for all enrollees in a typical population, the plan will payfor of expenses in total for covered benefits, with enrolleesresponsible for the rest. If you choose to enroll in a bronze plan, the actuarial valuewill be 60%, meaning your out-of-pocket costs when youuse services will likely be higher.A silver plan has an actuarial value of 70%. This meansthat for all enrollees in a typical population, the plan will pay for 70% of expenses intotal for covered benefits, with enrollees responsible for the rest. If you choose toenroll in a bronze plan, the actuarial value will be 60%,meaning your out-of-pocket costs when you use services will likely be higher.Regardless of which level of coverage you choose, deductibles and copayments will vary fromplan to plan, and out-of-pocket costs will depend on your health care expenses. Preventiveservices will be covered with no cost sharing required.
Because bronze level coverage would cost more than 8% of your household income, you mayinstead choose to purchase catastrophic coverage. With a catastrophic plan, you wouldpay for most health services yourself until you reach the annual limit on cost sharing( in 2017). However,preventive services are covered with no cost sharing required.
Children and young adults under age 30 are eligible to purchase catastrophic coverage.With a catastrophic plan, you would pay out-of-pocket for most health services until youreach the annual limit on cost sharing( in 2017). However, preventive services are covered with no cost sharingrequired.
The silver market has been volatile over the past 20 years, with a huge bull market that ran throughout most of the 2000s and early 2010s giving way to a big pullback in recent years. Now, however, some see silver as an investment that could take advantage of industrial demand, especially if new supply gets constrained by lower prices. Yet many don't know how to buy silver or why investing in silver can be lucrative. By understanding how you can invest in silver, you'll be in the best position possible to decide whether it's the right move for you.
The clearest way to invest in silver is to go out and actually buy the physical metal. Bullion silver is available in coin and bar form, and most coin dealers and precious metals dealers will offer silver bullion in various sizes and formats. Typically, you can find coins and bars as small as a single ounce, or large bullion bars as big as 1,000 ounces.
Owning silver bullion has the advantage of having its value track the market price of silver directly. However, there are a number of disadvantages. First, you'll typically pay a slight premium to buy silver from dealers, and you'll often have to accept a slight discount when you decide to sell it back to your dealer. If you expect to hold on to your silver for a long time, then those costs aren't monumental, but for those who want to trade frequently, they're typically too costly to bear several times in close succession. In addition, storing bullion involves some logistical challenges and added costs.
For traders, exchange-traded funds that themselves own silver offer an effective substitute to owning bullion directly. Each share of a silver ETF corresponds to a certain notional amount of silver, and the prices of ETF shares typically track silver prices fairly closely. Like any mutual fund or ETF, silver ETFs have expenses that get charged through to shareholders, but they tend to be fairly modest. The iShares Silver ETF (SLV 0.82%), for example, charges an annual expense ratio of 0.5%.
Some investors don't like silver ETFs because they don't give you actual possession of silver. In addition, ETF shares can trade at a premium or discount to the actual value of silver, leading to some discrepancies depending on when you trade shares. However, for ease of trading, the ETF shares allow you to participate in the general movements of the silver market.
Another way to invest in silver through the stock market is by buying shares of silver mining companies. Silver mining stocks usually rise in value when silver prices go up and fall when silver performs poorly. Often, for a given price increase in silver bullion, mining stocks will climb several times that amount in percentage terms. However, the challenge with silver miners is that you also have to deal with the risks involved in actually operating a mining operation. Sometimes, an accident at a mine or a bad result in exploring a potential property for silver will result in bad performance from a particular company, even if the silver market is generally strong. That company-specific risk is hard to hedge against, although owning baskets of mining stocks can offer some protection.
Finally, investors can choose to buy shares of silver streaming companies. These companies don't run mining operations themselves but rather offer financing to miners, getting back a royalty or streaming interest in their production. Usually, streaming companies are able to buy silver production from their mining partners at a fraction of the current market price, offering them a way to get paid back and earn a profit from their capital. Streaming company stocks therefore rise and fall with silver prices, but they're also affected by the quality of financing deals they can arrange.
The best silver investment depends on your needs. If all you want is perfect exposure to silver as a commodity, then either physical bullion or silver ETFs work well, with the choice depending on whether you want to hold the actual metal for a long time or trade in and out. 041b061a72