some way, to get passive income ( the 4th man income )
Passive income = income that will always be generated for you, even if you are not work ..

it is a gold investment.. here are some tips and FAQS about gold investment..
i took it from
http://www.usagold.com/cpm/goldhelp.html


Question. What kind of gold should I buy?
Answer. We probably get that question more than any other -- pretty much on a daily basis. The answer, however, is not as straightforward as you might think. What you buy depends upon your goals.
We usually answer the "What should I buy?" question with a question of our own: "Why are you interested in buying gold?"
If your goal is simply to capitalize on price movement, then bullion coins will serve your purposes, though at the present, profit-oriented investors might also want to look into higher-grade, semi-numismatic U.S. $20 gold pieces. These offer profit potential above and beyond tracking bullion price. If you are interested in long-term asset preservation and you have additional concerns about capital and/or monetary controls -- a more complicated scenario -- then you might want to include the lower premium variety of pre-1933 European and American coins in the mix. These have been treated by the government since the 1930s as historical, collector items and, as a result, afford the privacy-minded investor with a greater degree of safety than gold bullion.
But what I just gave you is a rough sketch. To develop a more refined strategy, we recommend spending time with your representative here at USAGOLD - Centennial Precious Metals. He or she can help you match the type of gold you buy with your goals. All of our client representatives are seasoned professionals with substantial experience. They can help you zero in quickly on your needs, and make sure you are not going in a direction contrary to your goals and needs.
Q. When should I buy?
A. The short answer is 'When you need it.' You cannot approach gold the way you approach equity investments. Timing is not really an issue. The real question is whether or not you feel the need to diversify your present portfolio with gold. If you feel the need, the best time to start is now. With rising competition for the limited gold supply from both nation states -- like China, Russia and South Africa (to name a few) -- and individuals across the globe, there is the chance that small investors can be crowded out of the market at some point down the road. It is better to be a day early than an hour late.
Q. You frequently mention gold as insurance. What do you mean by that?
A. Those of you who have read my book, The ABCs of Gold Investing: Protecting Your Wealth Through Private Gold Ownership, know that gold's baseline, essential quality is its role as the only primary asset that is not someone else's liability.
The first chapter of that book ends with this: "No matter what happens in this country, with the dollar, with the stock and bond markets, the gold owner will find a friend in the yellow metal -- something to rely upon when the chips are down. In gold, investors will find a vehicle to protect their wealth. Gold is bedrock."
This is precisely what people have discovered during countless crisis situations over the centuries and in financial meltdowns in recent history like the Pacific Rim in 1997, in Argentina and Brazil in 1998, in Turkey in 2002, and in the MidEast now. When crunch time came, those who owned gold understood what we mean when we say "gold is bedrock."
Over the years, we haven't altered this fundamental philosophy about gold ownership. In everything we do at USAGOLD-Centennial Precious Metals -- from our highly-regarded website to private conversations with our clientele -- we constantly emphasize this same fundamental precept of gold ownership. Needless to say, there are millions of people around the globe, including many Americans, who agree with us on gold's utility in this respect.
Q. What percentage of my assets should I invest in gold?
A. Once again the answer is not cut and dried, but a general rule of thumb is 10% to 30%; and how high you go within that range depends upon your analysis of the current economic, financial and political situation.
Obviously, the individual with a low level of concern about the current economic situation will tend toward the 10% level. Those with lagging confidence in the way things are going will gravitate to the higher end of the range. In recent months, we have had a number of investors go substantially over the 30% figure based on their own reading of the economy and the various investment alternatives available.
In the current investment environment, with yields still running below the inflation rate and stocks and bonds still suspect, gold remains a healthy and viable alternative. Many, including even the die-hard stock investors, still see gold as the most undervalued primary asset group in the standard portfolio mix. As a result, gold is getting a lot of attention. Gold is still in the beginning stages of what many financial experts see as a long term bull market. Since 2001 gold has more than doubled. In calendar year 2005, gold rose 22%, and 2006 has gotten off to a rousing start.
Q. Can you give us a profile of the typical gold investor?
A. Traditionally, wealthy, aristocratic European and Asian families have kept a strong percentage of their assets in gold as a protective factor. That same philosophy has caught hold in the United States over the years, particularly in the upper middle class, and there are a number of investors who add gold to their portfolio on an on-going basis as part of a regular gold savings program. The fact that our USAGOLD gold coin shoppe and Monthly Specials have become so popular testifies to this trend.
Most investors, as I alluded to before, acquire gold not so much because they feel that the price is going to go up, but because they want to insure their portfolios from destruction related to currency debasement -- no matter if the currency they invest in is the dollar, euro, yen or reminbi.
Our clientele represent an approximate cross-section of America, but the heavy buying is concentrated in the professions and among people who own their own businesses. Those with family wealth have also moved to diversify into gold in recent years. Along these same lines, baby boomers with inheritances have also moved into gold as their asset structures grow and they feel the need to hedge against inflation, political and economic problems, and potential debasement of the dollar.


Q. Argentina, Brazil, the Pacific Rim, Turkey... currency debasement in those countries is one thing, but do you really believe that a breakdown of that magnitude is possible in the United States?
A. In a certain sense, we have already experienced a slow-motion currency debasement in the United States, although not on the level of those countries mentioned. In fact, the dollar has been constantly and consistently debased since 1971. The 1971 dollar is now worth 19¢.
Now it appears that the Bush administration's policy in concert with the Federal Reserve is to put that debasement on a faster track. When you hear the Bush administration criticize China and Japan for their currency policies, what they are really attempting to do is garner support to push the dollar lower. Many analysts believe that recent moves by the Federal Reserve and the federal government, like eliminating M3 and granting the Fed more power to act directly in the forex markets, presage a major attempt to drive the dollar lower.
In the early 1970s, gold reacted violently to the upside once the debasement became commonly understood by the general population. That same awareness is growing among American investors today and remains a primary driving force behind strengthening gold demand. It could react similarly in the first decade of the 21st century as many of the same policies that fueled gold then are being pushed again now.
We have already experienced something of a "make-up" rally in gold just as there was between 1972 and 1979, but that rally appears to be in just its beginning stages. Once the dam breaks, I believe people will be surprised at the magnitude of the upside, because the over-production of dollars, as a result of our budget and trade deficits, has been so extreme.
Q. In your book, The ABCs of Gold Investing, you start the chapter by saying "Who you do business with is one of the most important aspects of gold investing." Why is that?
A. A solid, professional gold firm can go a long way in helping the investor shortcut the learning curve. A good gold firm can help you avoid some the problems and pitfalls encountered along the way -- provide some direction. It is very important to pick the right firm -- one that is highly professional, doesn't have a political ax to grind and can help you choose the right gold product mix to hedge your portfolio. Unbiased, objective advice from one's gold advisor is key to this process. So are market information and education. Pricing, product selection, fulfillment and on-going support also rely on that relationship. Picking a gold firm will be one of the most important decisions you make on the road to gold ownership. That's why we started this website and why it has become one of the most important gold sites on the internet.
Q. Can you briefly describe what you believe to be the biggest mistake investors make when starting out as gold owners?
A. The biggest trap investors fall into is buying a gold investment that bears little or no relationship to his or her objectives. Take safe-haven investors for example. That group makes up 90% of our clientele, and probably a good 75% of the current physical gold market. Most often the safe-haven investor simply wants to add gold coins to his or her portfolio mix, but too often this same investor ends up instead with a leveraged gold position or a handful of exotic rare coins (often costing five or six figures). These have little to do with safe-haven investing, and most investors would be well served to avoid them -- except as a sideline.
Q. What is your view of gold stocks?
A. Many of our clients own gold stocks and we believe they have a place in the portfolio. However, it should be emphasized that gold stocks are not a substitute for real gold ownership. Instead, stocks should be viewed as an addition to the portfolio after one has truly diversified with gold itself. Gold stocks could actually act opposite the intent of the investor, as some justifiably disgruntled mine company shareholders learned in the recent past. We cover some the differences between gold stock ownership and metal ownership in 'The Differences between Owning Stocks and Owning Metal' (see link below) so I won't go into the details here. Suffice it to say that gold stocks are stocks first and metal second. There is no such ambiguity involved in actual gold ownership.
Q. What about gold futures contracts?
A. Futures contracts are generally considered one of the most speculative arenas in the investment marketplace. The investor's exposure to the market is leveraged and the moves both up and down are greatly exaggerated. Something like 9 out of 10 investors who enter the futures market come away losers. For someone looking to hedge their portfolios against economic and financial risk, this is a poor substitute for owning the metal itself.
Q. What is the best approach for the safe-haven investor?
A. If you want to protect yourself against inflation, deflation, stock market weakness and potential currency problems -- in other words, if you want to hedge financial uncertainties, there is only one portfolio item that will serve you in all seasons and under most circumstances -- gold coins. Once you've decided that gold ownership is something you would like to pursue, the next step is to find professional guidance to help you actually diversify your portfolio. That's where USAGOLD - Centennial Precious Metals, Inc. comes into the picture. We've been helping investors just like you for over thirty years. Competitive pricing, client service and on-going support are all hallmarks of the firm. We invite your inquiry.
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Michael J. KosaresCentennial Precious Metals, Denver_________________________________Mr. Kosares has over 30 years in the gold business as the founder and CEO of Centennial Precious Metals, Inc. and is a highly-respected member of the gold fraternity internationally and a well-known expert in the field of gold. He is the author of the widely read book, The ABCs of Gold Investing: How to Protect and Build Your Wealth With Gold; and has contributed articles to, and has been interviewed for a wide assortment of financial publications including the Wall Street Journal and Barron's.
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