DINARRECAPS8 7/22/25 DINARRECAPS8 7/22/25

4 Surprising Things That Could Impact Your Wallet If a Recession Hits

June 14, 2025 by J. Arky GOBankingRates

The stock market took one of the worst nosedives at the beginning of April as President Trump’s tariffs and plans to reshape the global economy seemed to only drive fear into the market, sending investors fleeing. Now everyone wants to know: is a recession on the way?

It could very well be, with trade wars ramping up and inflation about to reach record levels. However, that doesn’t mean that they are the only factors driving a potential recession. In fact, a few other economic mechanisms are at play that could affect you and your family’s money.

June 14, 2025 by J. Arky GOBankingRates

Lower Gas Bills

If you have been feeling the strain of filling up your car’s tank, there might be a bit of a reprieve on the way if a recession does come: gas prices could fall. In fact, prices at the pump usually go down in a recession as lower demand can lower the supply and the cost, according to Marcus Sturdivant Sr., advisor, managing member and chief compliance officer at The ABC Squared².

“This recession would be on the heels of tariffs and the U.S. publicly endorsing ‘drill baby drill’ as a strategy,” Sturdivant explained. “Flooding the market with gas during an economic slowdown, all things being equal, will make the prices at the pump lower, but the escalating tariffs, trade war and an environment where oil makes money at $70 per barrel versus the $100 per barrel of the past.”

Sturdivant pointed out that even with tariffs, with increased production, there is already a record domestic output, meaning that the price for fuel should come down.

Less Alarming Market News

The stock market can decline during a recession, but that does not necessarily indicate a cause for alarm in the opinion of William Bergmark, personal finance expert and finance editor at Credwise.

DINARRECAPS8 7/21/25 DINARRECAPS8 7/21/25

Fidelity Says This Is a Surprising Risk of Holding Too Much Cash — Do You Have Too Much?

March 13, 2025 by Gabriel Vito

Cash feels like the safest bet to most people. It’s steady, predictable and always there when you need it. But according to Fidelity’s research, holding too much cash could quietly erode your wealth rather than protect it.

With interest rates falling and inflation still creeping up, the value of cash is shrinking. While having some cash on hand is necessary for emergencies, Fidelity’s long-term data shows that cash has historically been the worst-performing asset class, significantly lagging behind stocks and bonds even during volatile market conditions.

Fidelity Says This Is a Surprising Risk of Holding Too Much Cash — Do You Have Too Much?

March 13, 2025 by Gabriel Vito

As Melanie Musson, a finance expert with InsuranceProviders.com, explained: “Cash has value but definitely does not increase in value, and it almost certainly will decrease in value.”

Investment Alternatives to Holding Too Much Cash

Stocks: The Growth Machine

Fidelity’s data makes one thing clear: Stocks have historically outperformed cash, even during volatile markets. Their analysis shows that a $5,000 annual investment in stocks from 1980 to 2023 (even at market peaks) would have grown exponentially, while the same investment in cash would have resulted in a fraction of that return.

The long-term trend is even more striking. According to data from Ibbotson Associates, large capitalization stocks (think S&P 500) returned 10.4% annually from 1926 to 2024, compared to 5.0% for long-term government bonds and just 3.3% for T-bills.

Robert R. Johnson, professor of finance at Creighton University, puts that into perspective: “One dollar invested in the S&P 500 at the start of 1926 would have grown to $18,212 (with all dividends reinvested) at the end of 2024. That same dollar invested in T-bills would have grown to $24.”

The difference isn’t just significant — it’s the difference between building wealth and barely keeping up.

DINARRECAPS8 7/21/25 DINARRECAPS8 7/21/25

How A Crypto Billionaire’s Crazy Plan Could Save Social Security [Podcast]

Notes From the Field By James Hickman (Simon Black) July 17, 2025

Bitcoin today is trading at around $120,000. If you’re willing to pay double the price, i.e. $240,000, please contact me immediately. I’ll happily sell you some of mine.

Why would anyone do that? I don’t know. But that’s exactly what investors are doing when they buy shares in “Strategy,” formerly known as MicroStrategy.

How A Crypto Billionaire’s Crazy Plan Could Save Social Security [Podcast]

Why would anyone do that? I don’t know. But that’s exactly what investors are doing when they buy shares in “Strategy,” formerly known as MicroStrategy.

The company currently holds about 580,000 Bitcoin, worth roughly $69 billion. But the market values the company at more than $124 billion. In other words, investors are paying nearly double just for the privilege of owning Bitcoin through a corporate intermediary.

Crazy, right? Yet Strategy’s Executive Chairman and co-founder Michael Saylor has managed to convince legions of investors to do just that— pay 2x the Bitcoin price.

He does so by presenting a bunch of made-up metrics to investors— terms like “Bitcoin Yield”, “Bitcoin Multiple”, “BTC $ Income”, and my personal favorite, “Bitcoin Torque”.

One of Saylor’s most clever ideas was to borrow money from investors to buy Bitcoin; the company issued billions of dollars of corporate bonds (which are supposed to be a ‘safe’ and stable asset), then used all the money to buy Bitcoin— an extremely volatile risk asset.

And this is why I think Michael Saylor should be the next Treasury Secretary— or at least be tapped to save Social Security.

I’m only half joking. Because Saylor’s idea to borrow money to buy Bitcoin might be one of the only ways to save Social Security without a serious tax hike or other financial pain.

Let me explain—

The Social Security system was built on a simple formula: workers and businesses pay taxes into the system, and those taxes fund the retirement checks to beneficiaries.

For decades, Social Security ran a surplus—more payroll tax revenue coming in than benefits going out. And that surplus was parked in a giant trust fund.

Unfortunately, though, Social Security’s trust fund was only allowed to invest in one thing: US government bonds.

The result? Pitiful returns averaging a measly 2%.

Now Social Security is running a deficit— the monthly benefits are exceeding payroll tax revenue. So the program’s administrators make up the difference by dipping into the trust fund.

The Social Security Administration officially estimates the fund will be fully depleted by 2033. And when that day comes, benefits will be automatically slashed by about 25%.

Cutting Social Security benefits would be political suicide. So the most likely solution is a major increase to the payroll tax.

But there may be another way.

What if the government were to borrow a bunch of money to start a Sovereign Wealth Fund... And that fund could invest in a diversified, real-world portfolio run by America’s many talented investment managers. Real estate. Commodities. Equities. Precious metals. Crypto. The kinds of assets that can actually grow.

This is exactly what Michael Saylor did. He borrowed heavily from the bond market to buy risk assets. Maybe the US government should do the same.

If the fund could manage, say, 9% annual returns over the past few decades— they could easily pay 6% to bond holders and pocket the extra 3%. Mathematically it works— such a return would reverse Social Security’s looming insolvency if the fund were of sufficient size.

There’s obviously risk in the plan, which is why I’m half-joking. But Social Security is in dire enough shape that all options ought to be considered.

Coincidentally, Congress is discussing setting up a Sovereign Wealth Fund this week... Though I’m not holding my breath on this, let alone any meaningful reform on Social Security.

Peter and I both believe that the inevitable outcome here is that the Federal Reserve will step in to print money and bail out both Social Security AND the Treasury Department.

In fact the White House is already identifying potential candidates to replace Fed chairman Jerome Powell when his term expires next year, as well as other members of the Fed’s board.

It’s pretty clear they want people at the Fed who will cut rates, print money, and bow to the President. So there’s a very good chance that, next year, the Fed will become much more subservient to the White House.

Such a Fed would not hesitate to engage in ‘quantitative easing’ (i.e. ‘money printing’) to the tune of trillions of dollars in order to save Social Security, or to finance massive US government deficits.

The end result will almost certainly be a major bout of inflation— probably similar to 1970s style stagflation.

It’s why we continue to assert that real assets are very sensible investments because they tend to perform so well during inflationary times.

You can hear my complete thoughts on this wild idea in today’s short video, which you can watch here.

For the audio-only version, check out our online post here.
Finally, you can find the podcast transcript for your convenience, here.

To your freedom, James Hickman Co-Founder, Schiff Sovereign LLC

https://www.schiffsovereign.com/trends/how-a-crypto-billionaires-crazy-plan-could-save-social-security-153184/?inf_contact_key=0f2a3e818718e268287453d654c835d48dcae2ba3297e07f93219ba341147496

DINARRECAPS8 7/20/25 DINARRECAPS8 7/20/25

Congress Looks To Hijack Crypto To Pay For Deficit Spending [Podcast]

Notes From the Field By James Hickman (Simon Black) July 16, 2025

It’s “Crypto Week” on Capitol Hill with all sorts of crypto legislation on the docket— including the so-called GENIUS Act that aims to regulate stablecoins. I’m not sure the GENIUS Act is in fact genius, but it might be a pretty clever given its potential benefit to the Treasury Department and government bond market.

On its surface, the bill aims to provide a formal regulatory framework for anyone who wants to issue stablecoins, i.e. digital assets that are typically pegged to the US dollar to maintain a “stable” value.

Congress Looks To Hijack Crypto To Pay For Deficit Spending [Podcast]

But beneath the surface, the GENIUS Act is a way to funnel more money into US government bonds.

I’ve written about this many times before: the US government is hopelessly addicted to irresponsible spending. Multi-trillion-dollar deficits are no longer the exception—they’re the baseline.

And these massive deficits require the Treasury Department to borrow more money from the bond market.

Problem is that some of the biggest buyers of US government debt securities— specifically foreign governments and central banks— are starting to lose their appetite to invest more money in Treasury bonds.

So Uncle Sam is feverishly trying to drum up more lenders.

Enter the GENIUS Act— which requires stablecoins to be backed by “safe” assets, like... US government bonds!

The Treasury Department is probably hoping that some of the crypto wealth tied up in Bitcoin’s latest all time highs will flow into stablecoins... and thus into the US Treasurys backing them.

But if they think this is the silver bullet to fix America’s fiscal mess, they should think again.

Unlike traditional long-term bond buyers who help lock in funding for decades, stablecoin issuers (according to the GENIUS Act) will only be able to buy the shortest term US government debt, like 90-day T-bills.

This means that the Treasury Department will face constant pressure to refinance a major chunk of its debt every few months.

We discuss this in today’s podcast— where we also answered some reader questions about stablecoins.

One reader, for example, asked if stablecoins are a good way to diversify out of the US financial system.

My answer? Not really.

Once the GENIUS Act passes, most of these stablecoins will be issued by US-based companies and regulated by US government agencies. And over time, more and more agencies will likely encroach into the stablecoin industry— the SEC, IRS, Consumer Financial Protection Bureau, Financial Crimes Enforcement Network, etc.

That means if the government wants to restrict, freeze, or confiscate your digital dollars, they won’t even need to break a sweat. It just takes a phone call and a compliance letter.

More importantly, even if the coin maintains its 1:1 dollar peg, it’s still tied to the dollar. And if the dollar loses value due to inflation—which it is and will almost certainly continue to do—then your stablecoin will depreciate right alongside it.

Bottom line— holding a stablecoin doesn’t matter if the underlying currency is unstable. You’re not really diversifying any sovereign or currency risk.

If you're looking for real diversification—something that actually hedges against the US dollar and protects your purchasing power—stablecoins aren't the answer.

Gold, productive assets, other crypto, foreign stocks and financial accounts… those are the tools for genuine financial diversification.

If you want to hear my full thoughts on the GENIUS Act, stablecoins, and the implications to the US Treasury market, listen to this short podcast here.

For the audio-only version, check out our online post here.
Finally, you can find the podcast transcript for your convenience, here.

To your freedom, James Hickman Co-Founder, Schiff Sovereign LLC

https://www.schiffsovereign.com/podcast/congress-looks-to-hijack-crypto-to-pay-for-deficit-spending-podcast-153173/?inf_contact_key=ba595f2d77e748d6b5635b37d628a3ec4f9b01715505ef303c31d9437c9672ec

DINARRECAPS8 7/19/25 DINARRECAPS8 7/19/25

Don’t Withdraw From Your Savings Account on This Day of the Week

Cindy Lamothe Thu, July 17, 2025 GOBankingRates

We all have our quirks — some of us avoid checking our bank balance after a weekend splurge, others swear by budgeting apps and color-coded spreadsheets.

But did you know what day you tap into your savings could actually matter?

It might sound a little superstitious, but there’s some logic behind it. Before you hit “transfer” on your savings account, here’s why you might want to pause — especially on the particular day of the week below.

Don’t Withdraw From Your Savings Account on This Day of the Week

Cindy Lamothe Thu, July 17, 2025 GOBankingRates

We all have our quirks — some of us avoid checking our bank balance after a weekend splurge, others swear by budgeting apps and color-coded spreadsheets.

But did you know what day you tap into your savings could actually matter?

Monday Is the Worst Day To Pull Money From Your Savings Account

Monday is frequently the worst day to pull money from your savings account for a number of important reasons, according to Rami Sneineh, vice president of Insurance Navy.

For one, he said banks usually catch up with transactions from the previous weekend on Monday, which can cause discrepancies in your account balance.

“If you are taking a withdrawal early Monday morning, the movement could settle before your weekend transactions have a chance to properly update,” he added.

That means you could end up spending more than you actually have in the bank, which could lead to overdaft fees and your payment could be declined if the funds have not been taken yet.

Most People Are Paid on Fridays — Creating Downturn in Funds

In addition to the above, Sneineh said numerous individuals are paid on Fridays, which can create a natural downturn in funds by the time Monday comes around.

Taboola the same on the Bottom of Posts

DINARRECAPS8 7/17/25 DINARRECAPS8 7/17/25

3 Money Habits That Can Help You Stay Ahead — Even If a Recession Hits

Gabrielle Olya Fri, July 11, 2025 GOBankingRates`

Although most experts believe we’ll be able to steer clear of a recession this year, many Americans are still worried about the possibility of an economic downturn. A recent survey conducted by Talker Research and Affirm found that 58% of Americans believe a recession is still inevitable and 77% have changed how they manage their finances as a result of ongoing economic conditions.

If you’re feeling anxious about what’s ahead, you’re not alone — and you’re not powerless. Here are three practical, expert-backed strategies to help you recession-proof your finances and feel more in control, no matter what the economy does next.

3 Money Habits That Can Help You Stay Ahead — Even If a Recession Hits

Gabrielle Olya Fri, July 11, 2025 GOBankingRates`

Understand the Fine Print Before You Borrow

There’s no shortage of payment options to use when making a purchase, from paying with cash to using a credit card or a buy now, pay later service. If you’re opting for one of the latter two options, make sure you know exactly how future payments will work.

“It’s smart to choose payment options that deliver clarity — like fixed terms, no hidden fees and no compounding interest,” said Vishal Kapoor, SVP of product at Affirm.

According to the survey, 41% of Americans say predictable payments are especially important, and nearly half (49%) seek out options with no surprise fees.

Choosing transparent, fixed payment plans makes it easier to manage your money, avoid surprise costs and stay on track financially.

Limit Financial Anxiety by Avoiding Economic Noise

It’s easy to get into a panic state about the economy when you’re inundated with social media and news sources telling you a recession is on the way.

“Stay informed … but not overwhelmed,” Kapoor said. “Understanding the economy can help you make smarter decisions, but too much noise can lead to unhelpful worrying.”

Instead of doom-scrolling, stick to trusted sources like the Federal Reserve and other reputable news outlets, and focus on what you can control rather than what you can’t.

Build a Flexible Budget and Plan for the Unexpected

Make moves now that will set you up for success in the future — no matter what that looks like. This includes making moves like saving up an emergency fund.

“Planning a few ‘if-then’ scenarios can make your finances more resilient,” Kapoor said. “Make sure your payments align with your cash flow and that you have some flexibility built in.”

DINARRECAPS8 7/15/25 DINARRECAPS8 7/15/25

The Health Benefits of Giving

Four ways working to improve others' lives may improve — and lengthen — your own

You don't need a doctor to tell you giving feels good.

But research can shed light on the science behind that helper's high — and long-term physical and psychological benefits that may follow it.

The Health Benefits of Giving

Four ways working to improve others' lives may improve — and lengthen — your own

You don't need a doctor to tell you giving feels good.

But research can shed light on the science behind that helper's high — and long-term physical and psychological benefits that may follow it.

Why giving feels good

A study on charitable donation in which researchers performed functional MRI scans on donors' brains showed that after donating a part of their brains "lit up," or became active. (The MRI scans are used to detect neurological activity.) .

The part of the brain that controls feelings of reward and pleasure lit up. This is called the mesolimbic system, which is also activated by things like food, drugs and sex.

But that's just the physiology of it. There's also a growing body of research that links different types of giving to greater quality of life, including the following potential health benefits:

1. Greater self-esteem and satisfaction with life.

Much of the research focuses on volunteering for organizations or informally helping loved ones. Researchers consistently find that these activities can lead to greater self-esteem, life satisfaction and sense of purpose.

Younger adults may not benefit as much as older adults because they are more likely to volunteer out of obligation. (For example, they may feel they have to help out at their children's school.) Older adults are more likely to seek out purposeful volunteer roles in their communities.

But volunteering can give a sense of purpose to people of all ages.

2. Lower risk of depression.

Perhaps because of such positive feelings, giving may decrease your risk of depression and depressive symptoms such as sadness or lack of energy.

One study of older adults found that those who helped their loved ones experienced greater feelings of personal control over their lives. This feeling, in turn, decreased the likelihood that they would experience depressive symptoms.

DINARRECAPS8 7/15/25 DINARRECAPS8 7/15/25

8 Frugal Habits Americans Are Ridiculed for — and Why You Shouldn’t Care

May 10, 2025 by Cindy Lamothe Saving Money / Savings Advice

Being frugal sometimes feels like a dirty little secret. You clip coupons, skip the fancy lattes and patch up your clothes instead of tossing them — only to get teased for it.

But here’s the thing: a lot of those so-called “cheap” habits are actually wise financial moves, especially with reports of a possible recession, according to Forbes.

Frugal habits that often get mocked tend to reflect a broader culture of individualism and self-reliance, said Andreas Jones, founder and editor of KindaFrugal.

8 Frugal Habits Americans Are Ridiculed for — and Why You Shouldn’t Care

May 10, 2025 by Cindy Lamothe Saving Money / Savings Advice

Being frugal sometimes feels like a dirty little secret. You clip coupons, skip the fancy lattes and patch up your clothes instead of tossing them — only to get teased for it.

But here’s the thing: a lot of those so-called “cheap” habits are actually wise financial moves, especially with reports of a possible recession, according to Forbes.

Frugal habits that often get mocked tend to reflect a broader culture of individualism and self-reliance, said Andreas Jones, founder and editor of KindaFrugal.

*******************************

“Things like splitting two-ply toilet paper into single-ply sheets or turning off the air conditioning in the middle of a heatwave can sound extreme, but they stem from a deeper focus on stretching every dollar, especially in areas with high living costs or medical debt,” Jones said.

Extreme Couponing

From what he’s seen with his clients, Andrew Lokenauth, money expert and owner of BeFluentInFinance, said extreme couponing gets the most eye rolls and jokes.

“But here’s the thing — I’ve watched people save $300 plus per month just by spending a few hours organizing their coupons.”

One of his clients built a $15,000 emergency fund in 18 months through couponing alone.

“Yeah, it takes time to clip and organize, but the ROI is insane,” he added.

Buying Generic Brands

Buying generic brands is another one people love to mock. Working in finance, Lokenauth said he can’t count how many times he’s heard “but the name brand tastes better.”

“Listen, I’ve done blind taste tests with my clients — they literally can’t tell the difference 80% of the time,” Lokenauth said.

He said the markup on name brands is sometimes 50% higher just for prettier packaging. That’s real money you’re throwing away.

In most cases, generic products are made in the same factories, with nearly identical ingredients. You’re paying extra for the logo, not the quality.

From pantry staples and cleaning supplies to over-the-counter meds, switching to store brands can shave hundreds off your annual grocery bill without changing much about your actual lifestyle.

Maintaining a Fixed Thermostat

Another mockable habit Lokenauth noted was folks keeping the thermostat at 68 degrees in winter and 78 degrees in summer.

“People act like you’re torturing yourself, but your body adapts in about two weeks,” he said.

He personally saved $175 a month last summer by doing this — and he lives in Texas.

His advice? Put on a sweater in winter, use fans in summer. Your bank account will thank you.

DINARRECAPS8 7/14/25 DINARRECAPS8 7/14/25

Apple Will Pay Anything for This Crucial iPhone Metal

Notes From the Field By James Hickman ( Simon Black) July 10, 2025

We’ve all heard the legend: there was a beautiful girl, kidnapped, a thousand ships launched, and the mightiest warriors of the ancient world descended upon the city of Troy to win her back. Obviously this was all a myth. But Troy itself existed. And the Trojan War very likely happened as well. Though not over some pretty girl.

Instead, the Trojan War likely started as a dispute over scarce resources— then quickly escalated to a full blow shooting (or stabbing/slashing) war.

Apple Will Pay Anything for This Crucial iPhone Metal

Notes From the Field By James Hickman (Simon Black) July 10, 2025

We’ve all heard the legend: there was a beautiful girl, kidnapped, a thousand ships launched, and the mightiest warriors of the ancient world descended upon the city of Troy to win her back. Obviously this was all a myth. But Troy itself existed. And the Trojan War very likely happened as well. Though not over some pretty girl.

Instead, the Trojan War likely started as a dispute over scarce resources— then quickly escalated to a full blow shooting (or stabbing/slashing) war.

And the scarce resource in question? Tin.

Back in the Bronze Age when the Trojan War was likely fought, tin was the technological linchpin of ancient civilization. Without it, there was no bronze— and thus, none of the era’s best weapons and tools.

Copper was the other half of the chemical formula, i.e. tin + copper = bronze.

The Greeks had plenty of copper mines. But the tin component was very scarce— and distant. It came all the way from Central Asia, hauled across the Black Sea, and through the narrow strait called the Dardanelles (modern day Turkey) into the Mediterranean.

And that was only if Troy— the city perched strategically at the mouth of the Dardanelles— allowed the ships to pass.

This meant that whoever controlled Troy controlled the Greeks’ access to tin. So it’s easy to see why they probably fought a war over it.

This type of resource competition is common throughout history. But it’s a lesson that has been forgotten over the past 80 years in which global trade has been open, cooperative, and free.

Today that comity is rapidly deteriorating. Given the trade wars, regional shooting wars, and increasing global tensions, access to certain resources and real assets can no longer be taken for granted.

Some of these are obvious; oil prices, for example, regularly gyrate based on the potential for supply disruptions. And despite the Left’s absurd fantasies about wind and solar, oil is going to remain critical to modern civilization for the foreseeable future.

But with nuclear energy emerging as a clear solution to provide cheap, clean energy, uranium—whose production is highly concentrated across just a handful of countries— may become a new conflict point.

Other resources are less obvious and take a little bit more digging to understand their importance in the global economy— and their scarcity.

And that includes the forgotten ancient metal tin.

Tin is the glue that holds the modern world together... almost literally.

More than 50% of all tin demand today comes from solder, which is used to connect the billions of components on electronic circuit boards. Without solder, there are no smartphones, no electric vehicles, no AI computer chips, no cloud servers, no missile guidance systems.

The more technology progresses, the more tin is needed; AI growth alone is expected to double tin demand between now and 2028.

Yet tin is an incredibly small market. Only around $12.5 billion worth was produced last year. Given that the worldwide commodities trade is more than $6+ trillion per year, the tin market is less than a rounding error. It’s minuscule.

This creates an odd situation. While tin is a critical part of the iPhone, for example, only a few cents worth goes into each unit. And this is typical across the electronics industry.

So the price of tin could increase 5x or 10x, yet the impact on Apple’s bottom line would be negligible—maybe 50 cents more per phone.

Apple would still pay for tin at 10x the price. So would every other tech manufacturer.

In other words, if tin supply tightens, buyers won’t blink… but investors will make a fortune.

And supply is tightening.

Classic tin-producing regions have gone offline or become politically unstable.

With supply tightening and demand rising, just one major Western producer is left to pick up the slack.

Production has been kept artificially low for years as Cold War strategic stockpiles were drawn down. But those stockpiles are now depleted.

There is also no substitute metal. And no feasible way to do without it.

Yet demand continues rising—steadily, predictably—year after year.

A critical metal hiding in plain sight, where even a modest supply crunch could generate enormous returns.

This compelling supply and demand dynamic is the focus of our latest issue of the 4th Pillar, our premium investment research service.

The recent July issue— published just last week— features a profitable, growing tin producer in the developed world. The company is debt-free, cash-rich, and trading at just 2.2x earnings—an insane valuation for a company producing one of the world’s most critical tech metals.

Tin is just one of many examples of the real assets that are absurdly undervalued, with extreme catalysts on the horizon.

We’ve uncovered similar stories in platinum, oil, and even iron—where supply disruptions and political pressure have created massive mispricings… and massive upside.

But some our most successful investments over the past year have come in the precious metals sector.

While central banks have been buying metric tons of gold— driving the price to all time highs— they haven’t been buying gold producers. That’s left many of the world’s best gold and silver producers trading at absurdly cheap valuations.

We’ve been writing about this for nearly two years, and the results speak for themselves:

One of our top picks is up 153% in just three months.
Another surged 146% in eleven months.
Two more have gained 133% and 51% in a matter of months.
Most others have delivered steady returns of 27–34%.

Only one has gone the other way—down 27%. But even that company is sitting on strong fundamentals and multiple catalysts— so we believe it’s just even more undervalued.

To your freedom, James Hickman Co-Founder, Schiff Sovereign LLC

DINARRECAPS8 7/9/25 DINARRECAPS8 7/9/25

Use This Checklist to See if Your Family is Financially Secure

By Laura Bogart April 30, 2025 GoBankingRates

You work hard to take care of your family, and you’re proud to do it. And one of the most important things is making sure your family is financially secure.

But financial security can be tough to define — how do you know when you’ve achieved it? Fortunately, there are some tangible things you can do that will financially benefit you and your family in the long term. Some of them are small, like starting that emergency fund, and others are bigger picture, like sitting down with a professional to look into investment strategies or life insurance packages.

Use This Checklist to See if Your Family is Financially Secure

By Laura Bogart April 30, 2025 GoBankingRates

You work hard to take care of your family, and you’re proud to do it. And one of the most important things is making sure your family is financially secure.

When in doubt, take a deep breath and sit down with this checklist.

1. Build An Emergency Fund

If there’s one thing you know by now, it’s that life happens — and it’s often pricey. Whether you’re hit with a sudden accident, job loss or other blow to your income, you want to know that you’re able to protect your family’s finances when it does. Having an emergency fund is one of the biggest safeguards you can build around your family’s future.

Every month you should be allocating some of your income, as well as any extra funds you get, to a high-yield savings account, with the ultimate goal of putting away at least three months’ worth of expenses — and ideally six months’ worth. But start small and build momentum as you save.

2. Secure the Right Life-Insurance Package

Having the right life-insurance policies insulates your loved ones from financial hardship while presenting you with a unique opportunity to actually grow your wealth. Sitting down with an expert advisor from New York Life can give you personalized guidance about the best policies to keep your family secure.

There are a few main options to consider: Permanent life insurance policies (such as whole life) are designed to provide long-term — often lifelong — coverage. As long as you continue to pay your premiums, your coverage will be there for you whenever you need it.

Term life insurance policies provide temporary protection that lasts for a set period of time. In many cases, the coverage can be renewed, but only up to a specific age, and your premiums will generally go up with each renewal.

The sooner you start the process, the lower your premiums can potentially be, and you have the option to keep them level for five, 10 or even 20 years.

You can also explore a universal or variable universal life insurance policy. Variable universal life¹ gives you the option to invest your funds in the market, giving you an opportunity to grow the cash value of your policy — and the amount you’d be able to leave your loved ones. With the growth potential, of course, there is a market risk. The best thing to do is talk with an agent to see what makes the most sense for you and your family.

3. Make Sure You’re Insured Against Income Loss

It’s important to plan for the unexpected. If you were suddenly unable to work due to a sickness or injury, you’d want to be sure you could still provide for your family. That’s why it’s important to protect your income with individual disability insurance.

DINARRECAPS8 7/8/25 DINARRECAPS8 7/8/25

4 Reasons To Give Your Adult Child Money

4 Reasons To Give Your Adult Child Money (And 2 Reasons Not To)

January 8, 2025 by Cindy Lamothe Money / Financial Planning

Like all things in life, too much of a good thing can go very, very wrong — particularly, when it comes to doling out money to adult kids.

According to experts, there are many appropriate instances when help is needed, and then there are times when doing so can hinder an adult child’s growth.

Here are the financial situations in which it is okay to give a grown child money — and when not to.

4 Reasons To Give Your Adult Child Money (And 2 Reasons Not To)

January 8, 2025 by Cindy Lamothe Money / Financial Planning

Like all things in life, too much of a good thing can go very, very wrong — particularly, when it comes to doling out money to adult kids.

According to experts, there are many appropriate instances when help is needed, and then there are times when doing so can hinder an adult child’s growth.

Here are the financial situations in which it is okay to give a grown child money — and when not to.

To Help With a Down Payment on a Home

“I suggest that contributing to your adult child’s down payment is a meaningful way to provide generational support,” said Max Avery, a Chief Business Development Officer at Syndicately.

He said this investment in their stability gives them a solid financial start, as homeownership often builds long-term wealth.

“This includes gaining access to favorable mortgage terms and avoiding costly rental payments.”

To Fund Emergency Expenses

Avery noted that the best way to offer monetary support is to cover emergency needs like car repairs, legal issues or temporary unemployment that prevent your child from spiraling into debt or compromising their financial stability.

“This support should not be a long-term solution, but rather a temporary boost to help your child stay on track.”

Help With Major Life Transitions

David Cooper, PsyD, therapist and strategic advisor of Yung Sidekick, observed that helping with money during tough transitions is a good reason to help adult children with money, as a way to make big life changes less stressful.