NCEL provides a simple, safe, cost-effective and transparent platform for buying, selling, trading or investing gold.
You can now buy Gold bars of 10gm in an internationally acceptable tamper proof packaging with certified quality and quantity, imported from PAMP SA, the world’s biggest Swiss refinery. Investors have the option to either take physical delivery or to keep it safely in an NCEL insured vault.
| Individual This is a personal account in the name of the individual who owns the account. |
| Joint with Right of Survivorship This is an account owned by two or more individuals. If one dies, his or her interest in the account automatically passes to the survivor(s) (i.e., the other owner(s) of the account) at the time of death. Percentage ownership interests in the account are equal between or among the owners, and all ownership interests in the account must be created at the same time. These rights are a matter of state law and vary from state to state. You should consult a professional advisor if you are uncertain about how to create accurately, and in the best manner, the ownership interests in your account. |
| Joint as Tenants-in-Common "Tenants in common" (sometimes referred to as "joint tenants in common") means an account owned by two or more individuals. If one dies, his or her portion of the account is transferred to his or her designated beneficiary(ies) (and not to the other owner(s) of the account). Percentage ownership interests in the account are presumed to be equal unless otherwise specified. These rights are a matter of state law and vary from state to state. You should consult a professional advisor if you are uncertain about how to create accurately and in the best manner the ownership interests in your account. |
| Traditional IRA (U.S. taxpayers only) This is an individual retirement account. An IRA must comply with federal law in order to be treated as such and receive applicable IRA tax benefits. Please consult with your tax advisor if you are uncertain about compliance with these laws in connection with opening and/or maintaining your account as an IRA. You also need to review the Individual Retirement Account Booklet made available to you on our Web site or in your application package before opening this type of account. |
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Some say it's mysterious, magical, complex, difficult, imaginary, thought-provoking, inspirational, intuitional, joyous, immeasurable, ecstasy, and undefinable. Perhaps. In one of Dr. John Gray's audio cassettes he defines love as follows: "Love is a feeling directed at someone which acknowledges their goodness." To me ; Love is - Heaven on earth! So, here's your chance to explore...What is Love ?
Women are vocal creatures. We know you love us, but it's nice to hear you say it, too. We can also be insecure. We wish we weren't, but the reality is that we often notice our wobbly thighs and forget about our gorgeous eyes. So let us know when you think we're hot. Tell us we're beautiful. It helps us feel good. Plus, when we feel sexywe're more likely to act sexy. Words of appreciation aren't half-bad either. Tell us you love the lasagna we made.Thank us for driving the kids to school. Notice that we cleaned the bathtub. It doesn't have to be over the top, just let us know that you see the effort we put in, and you're grateful.
Of the homemade variety. You may not be good at cooking and you may not know how to boil water. But greeting us at the door after a long day with fish sticks (or whatever you can wrastle up) makes us swoon, because it shows that you've been thinking about us and our hectic day.
We understand relationships can't be all wine and roses; simply making the time to be with us and treating us like your top prioritysays "love" more than all the fancy gifts and lovely letters ever could. This includes helping around the house. The realitiesof a 21st-century relationship are that both partners probably work. If you happen to get home before we do, why not take vacuum the living room or throw in a load of laundry? If you take the garbage out without being asked, chances are you'll be getting a big ole smooch when you come back.
It's another night on the couch with take-out and TiVo? Just because we're staying in doesn't mean the evening can't be romantic. Light a few candles and see where the night leads. Treat us like your girlfriend, even after we become your wife. Date nights, making out in the car, kissing like when we first started dating—all of the things that made us fall in love with you don't have to stop just because now there are bills to pay, a house to be cleaned, and kids that need to get bathed. Bring home flowers for no reason. We're not talking $100 bouquets of roses here. Even the $10 bouquets from the supermarket are enough to make us smile.
Yes, we love sex. But, remember that there are four bases to cover in the bedroom, not just one. Try stopping at each base instead of being so focused on the home run—believe us, we'll thank you for it! Likewise, remember small physical touches like massages. One can never, ever, have too many shoulder rubs. And scratching our heads is pretty great, too.
Relax. Unless one is related to a travel agent, all first-time cruise passengers feel that way at first. And it is true that selecting a cruise is more complicated than choosing a resort. But it can also be more fun to vacation on a floating hotel than one that stays
Add a sophisticated touch to your ensemble with this sleek satin clutch. It features a structured silhouette, stylish foldover tab with secure magnetic closure and an optional shoulder strap. 4"HX8"WX2"D.
This round three-tiered cake is beautifully decorated with henna-like scrollwork and topped with a cluster of jewel-toned sugar flowers.
Your wedding day is one of the most important days of your life. At Retina Burn Photography we would like to capture all of those precious memories for you. We offer the flexibility to work with your wedding day schedule in mind. You can then choose a package that will provide the coverage and display options you prefer.
