Gold Bullion Bar Price Basics

When you buy gold products the base price will always be dictated by the spot price. This price changes constantly throughout the day so any quote you get should be based on the live spot price for that day. Since precious metals are traded 24 hours around the world on week days, the spot price will always be live and the same around the world. In January 2019, the spot price for an ounce of gold was $1,250 however, since then the price has climbed as high as $1,715 an ounce and it shows no signs of dropping in the near future.

When you buy gold from a gold dealer, you can expect to have a premium factored into the final price offer. The spot price is still relevant as big a factor for bullion products as it is for gold jewellery and other scrap gold. These premiums will vary from gold dealer to dealer and even mint to mint which is why it is always a good idea to shop around before settling on one offer.

The size of the gold bar matters. The average person would imagine a gold bar to be brick size. That has a lot to do with the images that the gold industry and the media put out there, but the truth is that there are gold bars as small as 0.5 grams. Mints produce different sized gold bars ranging from as little as 0.5 grams to 1 kilogram. The largest gold bar in the world happens to weigh 250 kilograms. Large institutions like banks, the jewellers and companies that use gold to manufacture their products buy gold in bulk and they most likely by 400oz sized bars. This is the “standard” weight for “Good Delivery” bars that meet the purity and quality requirements of the London Bullion Market Association. Small, Individual investors may find 400oz gold bars impractical. Not only are they very heavy but they can be hard to sell. For instance, when you need to liquidate you will need to sell the entire 400oz of gold in one go which is not easy when you need quick cash. A gold bullion bar that size is not ideal when you don’t want a large amount of money in one go. It is for this reason that mints produce gold bullion bars as small as 1oz. It is better to have 1oz, 10oz or 50oz gold bars that stack up to 400oz than to have one large 400oz bar.

So, what is a gold bar premium?

The gold bar premium is derived from the production costs the cost of storage as well as the overhead costs of the refinery or mint that produces the bullion bar including the mark up a dealer would put to make a profit. Premiums can be a set amount of money over spot price or a certain percentage over spot. Most 1oz gold bullion products commonly have a set monetary cost over spot.

So, what should you expect in terms of pricing?

Small gold bullion bars have higher premiums attached than larger ones. This is because they go through the same minting process as large sized bars but they have less gold. This means it costs the refinery the same amount of money to produce a 1ounce bar as it does to make a 10oz gold bullion bar but the refinery.


3 Essential Tips for Disengaging Staff

Do you know the hassle you pass through every time you have to employ staff? Lots of time and money goes into scouting for the right candidate. However, all the challenges of bringing an employee on board your company is nothing compared to sending one parking. Although, businesses would issue warning to inefficient employees, asking them to make corrections. However, you have no choice other than firing an employee that has consistently proved to be incompetent.

The irresponsible work ethics of a single employee harms the entire company. It undermines the work culture of teams and slows down the company while competitors are forging ahead. So, you would be making a smart choice when you relieve an inefficient fellow from an office. However, you need to apply the appropriate strategy that makes the firing procedure professional.

We have outlined three strategies you can apply to relieve staff of his/her duties professionally.

Be Straightforward

You are not under obligation to explain the details that justify your decision to fire an employee. So, you can just go straight to the point. Once you have decided to fire an employee, make sure you approach the fellow in a polite and considerate manner. A harsh confrontation would often leave the employee dejected because losing a job is not something anyone wants to experience. So, try not to be offensive. Simply deliver your decision in a soft but affirmative tone.

Settle All Financial Entitlements

Setting the financial records straight is a vital step an employee must not neglect. You should settle all the payments and entitlements of an employee before leaving the company. It will be an embarrassment to your company’s if a sacked employee comes back demanding for unpaid salaries and benefits. Settling all outstanding payments would help you avoid such an unpleasant experience.

Thank the Ex-Staff for the Service Rendered

While you are delivering the sad news, you should also show some level of courtesy. Thank the staff you are dismissing for the time and efforts invested in the company. After all, the fellow must have played one role or the other to further the company’s interest. Since the dismissal conversation would likely be the last interaction of the staff with the company, try to make it a pleasant one. Your efforts to ensure the company parts with dismissed employees amicably will eliminate hard feelings on the part of the dismissed staff.

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Voice Communication from the Comfort of Home

Smart homes packed with solutions which make our lives easier are becoming more and more popular. Recent reports from the construction market indicate that smart homes are slowly becoming the standard, so it’s worth finding out more about the most effective devices to control your house or apartment. What makes 2N devices stand out and why are they worth choosing?

Innovative technology and the highest design quality

2N produces smart home devices such as modern intercoms and handsets. They are based on the Android operating system, with which most people are familiar. A modern intercom in combination with a handset will allow you to see visitors in front of your door before you answer the door. The handset can become your home command center. The elegant and stylish touch display will allow you to remotely open the door, lower the blinds, control the temperature of the underfloor heating, and turns the lights on and off in your smart home. The 2N IP intercom with a hands-free answering is known for its reliability and high functionality. The intercom is equipped with a hidden HD camera which transmits the highest quality of video and sound. In addition, the camera includes a night mode, thanks to which your home will be safe at night. If any unexpected movement is detected at your door, a warning message will be sent. If the intruders decide to use force, the intercom will take a series of photos, send them immediately to your e-mail, and then thanks to connection with the alarm system it will notify the relevant services about the situation.

Safety, comfort and convenience

Solutions by 2N provide the highest level of security and comfort. A smart home equipped with modern intercoms and a touch control station takes over many tasks so that you have as much free time as possible, which you can devote to relaxing.

By choosing 2N devices you can be sure that your house or apartment will be have the maximum possible level of protection.


Handy Explains Why Learning Morse Code is So Important

Morse code was developed by Samuel Morse to transmit text to long distances over the radio. It was developed in the middle of the nineteenth century when the idea of digital communication was not even conceived. With a series of short and long tones, communication signals could be sent over long distances and proved to be very effective during the time of distress. Though there has been great advancement in the field of technology since then, Morse code is still relevant in today’s time. Handy explains why learning Morse code is so important.

The Importance

  1. Low cost- The ability to send messages over long distances on a relatively low amount of power makes Morse code a very effective means of communication. With little more than a wire antenna, a couple of dollars in parts, and a couple of AA batteries, you can design a crude radio to send messages around the world. A simple ham radio transmitter can be built at a fraction of the cost of traditional voice radios.
  2. Effective in nature– Morse code makes it possible to hear signals even in a low signal environment. It is much easier to filter out background noise even if it is in high decibel. Thus, you can figure out the messages effectively. Morse code requires less signal bandwidth than voice communication making it useful and efficient.
  3. Secret messages– Morse code is represented by dots and dashes so that letters and numbers can be sent via a telegraph key over the radio. People who are ignorant of this code cannot decipher the meaning. As a result, the Morse code can be used to transmit secret messages as well. Navigation beacons still use code to identify themselves.
  4. Blinking Morse– Morse code can also be used by flashing lights. The signals are very simple. So, they are easy to use and understand for people who know how to read its meaning. Sometimes, people cannot use radios to communicate such as in the case of a breakdown in their radio equipment. In such a situation, they use blinker lights to communicate from ship to ship. A receiver would read the flashes and convert it back to text.
  5. Other Morse messages– In times of emergency, Morse code can be used to transmit messages even via facial expressions. One notable modern usage of this code was when a Navy pilot held captive as a prisoner of war in Vietnam communicated by blinking the Morse symbols for “torture” in a video interview about his treatment.

For people with medical conditions that prevent them from speaking or communicating in other ways, Morse code can be helpful too. Even those with limited motor skills can communicate using Morse code wherein iPhones and Android smartphones can be set up to accept their code inputs.


Handy feels that learning Morse code can help immensely in times of emergencies. Apart from that, there is a rhythmic musical fluidity to the sound of Morse code that has a soothing and meditative feeling. A simple tool that can accomplish all these tasks is definitely an art worth learning.




Pawnbrokers in Melbourne

Whatever the place of their origin or the culture they belong to, everyone in the world knows the importance and worth of gold in their lives. Although there are several other metals and rare items, gold has a special place among everything else.

Throughout the history of mankind, people have been searching for things that find unique and they have been preserving them. Gold being one of the unique items has been given much preference in the past and it still has the same worth. One of the best things about gold is that it can be used according to different conditions.

If you look at gold jewellery, you will find several categories that gold jewellery has. Rings, necklaces, bracelets, watches and several other types of gold jewellery just leave us stunned. The beautiful shapes that gold can gain when molded, it makes us look good.

Different kind of gold jewellery is used on different occasions. For example, for engagement parties, weddings, birthday parties and others have different requirements for gold jewellery. The gold jewellery is also dependent on the skin tone of the people wearing it and the clothes. It is very important to match the clothes and skin tone with the jewellery to make it look more elegant.

Gold as currency

In spite of its extensive use in making jewellery, gold is also used as a medium for shopping and trading. In other words, gold is used as a currency and just like a bill, it has its value and worth in the market. The worth and the value of gold keeps altering daily.

Since it was first found, gold has been used as currency for ages and it is still in use. People used to trade using gold as their currency medium, and it is still being used. Another most important use of gold is in the pawnbroking industry. If you have a thing against pawn brokers or pawn shops then we are here to tell you that all of them are not the same. Most of these pawnbrokers are just doing everything following the book and they won’t deceive you in any way.

While talking about pawn shops, it is pertinent that we talk about pawnbrokers in Melbourne. Just like everyone else, Pawnbrokers in Melbourne have to meet a lot of standards and customer satisfaction to be in the business. Taking gold as collateral, they offer you money that you need in urgent situations and them pawnbroking a small amount of interest from it. Different pawnbrokers in Melbourne have different interest ratios which might start from 2% and can extend to 35% of the actual amount of gold.

In an emergency, when you need the money on an urgent basis, you take your gold and go to these pawn shops. It is important to be aware of the actual worth of your gold to remove any chance of getting deceived. According to their interest ratios, they will give you the money as a loan and keep the gold as collateral.

Once you return the money in the specified amount of time, you get your gold back.



Handy Discusses Famous Brand Logos with Hidden Meanings


We all recognize the logos of our favorite clothing brands, phones we use, vehicles we admire, or the food we eat. Some of them are complex while others are quite straightforward. We all know that for most brands, logos are an intelligent way to communicate with the audience about the product they are selling. What we don’t realize is the deeply rooted meaning hidden in the symbols. Handy uncovers a few of them and we bet you cannot help but feel awe at their significance.

The Logos

Given below are some famous brand logos with hidden meanings:

  1. Beats – The logo for beats is just a simple ‘b’ enclosed in a circle followed by the brand name. When you look closely, the circle represents the human head while the ‘b’ letterform represents the brand’s headphones. This is an intelligent way to allow the customer to see themselves in the headphones.
  2. Amazon – The online shopping supergiant Amazon is a name to reckon with for most other brands. Their logo speaks just that as the yellow arrow in the logo starts at the letter ‘a’ and ends at ‘z’, which indicates that it sells everything from a to z. The yellow arrow also represents a smile, indicating that those who shop at Amazon are always happy with the services of Amazon.
  3. Baskin Robbins – The delectable flavors of Baskin Robbins ice-cream is a favorite among all. Talking of its flavors there are thirty-one to be exact and that is hidden in the logo, in the curve of B and the stem of R. The fun and energetic logo also represents the feeling of the customer as they savor the taste in every scoop.
  4. NBC – The colorful peacock logo of NBC has hidden meanings that are quite interesting. When the logo was developed, color televisions were being introduced and that explains the riot of colors in it. The network wanted a logo that would convince the black and white TV owners to upgrade theirs to color ones. The six colors of feathers represent the six different divisions of NBC.
  5. LG – The logo of LG is quite simple with the two letters written in style. What is noticeable though is that it has been stylized to create a face. The L makes the nose and the G makes up the rest of the face. This gives a very humane touch to the logo, identifying it with the users, thereby making the customers feel more connected to the theme.
  6. Toblerone – The popular chocolate brand Toblerone has a logo featuring a mountain with a bear hidden inside it. The logo signifies the Matterhorn Mountain in Switzerland and the bear symbolizes the unique honey flavor found in their chocolates. The Toblerone is made in the ‘City of Bears’ and the logo justifies the fact well.


Handy believes that we all should deeply look at the logos of famous brands to understand what they truly want us to know about their brand. The incredible ideas behind the creation of the logos are indeed extraordinary.


Matthew Davies Provides You with Ways to Survive a Natural Disaster


Adverse effects of climate change, catastrophic solar radiations, hurricanes, floods mentioned in holy books, any of those natural disasters have the power and fury to destroy our fragile human lives. Matthew Davies believes that we need to take all the necessary steps and prepare ourselves to be ready to survive through any kind of natural disaster. Here are some of the steps you can take to keep yourself safe and brave through a natural disaster:

Tips & Tricks

  1. Weather Radio – Hurricanes are one of the most common natural disasters that can affect vast regions. So, you should always carry a battery-powered weather radio. It is a crucial device since it allows you to get evacuation orders from the government and lets you receive survival instructions during any natural disaster. It also keeps you updated on the weather situations until you get the “all-clear” signal.
  2. Strengthen your property – To be on the safe side, you should also protect your house. Install shutters and reinforce the panels on your windows and doors. Don’t forget to secure the roof either.
  3. Driving is a bad idea – If you find yourself driving during the start of a hurricane, get out of your vehicle immediately and go to a nearby building or ditch to shelter yourself. Overpasses aren’t secure and are prone to damage so stay away from those areas.
  4. Survival Kit – Whether you are living in a disaster-prone area or not, you should always have a survival kit that can sustain you and your family for a few days in the event of a catastrophic disaster. It should contain essential food supplies that don’t degrade easily, plenty of drinking water, essential tools, clothes, camping supplies, and more. Don’t pack too much or too little either. Pack things that are light enough for you to carry and run if necessary.
  5. Life preservers and an ax at the attic or top floor – During Hurricane Katrina, houses were flooded, and many people unfortunately drowned after getting trapped inside their attic. It is better to get out of your home and reach for the roof in the event of flooding, but if you are at the attic those supplies, and an ax can be lifesavers when the water reaches dangerous levels.
  6. LED headlamps that are waterproof – Headlamps aren’t just indispensable for industrial workers, but also great survival tools. They keep your hands free for intense manual labor and for carrying things. LED bulbs in the lamps have obvious advantages since they are highly efficient and have higher longevity. That means you won’t have to deal with scorching temperature over your skull and you can get light for longer periods out of each battery.


Matthew Davies suggests that along with the above-mentioned steps and precautions, you should also have a disaster plan discussed with your friends, family, and other people in town. You should decide on a safe meeting spot on high ground so that your loved ones and community can come together to help each other with resources and mental support during a natural disaster.