Q: What is the best and safest way to leverage an investment and ...

FAQ: What is the best and safest way to leverage an investment and gold or silver ? I do not know how to trade ?

I have never traded options. I also would like to find good stocks to buy based on higher prices for gold and silver.

Answer:

Frankly there isn?t much of a way to make money off of current gold prices. Had you bought gold, or stock in a company that would prosper off of elevated gold prices, you would be doing great now. However, any company that will do well off of elevated gold prices will already be doing well, and thus there isn?t much room for improvement, making it an unsound investment. Gold has leveled off; it shouldn?t rise or fall too much in the foreseeable future. So an investment in gold or companies that prosper off of its price jump would not yield much for you.

However, if you are intent on buying gold, do your research. If you find a company that is poised to do well off of gold, find out more about it. But as I said, most companies dealing with gold should already be doing well, and with gold unlikely to elevate more, there is little to no room to make money buying into this market at the moment.

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Javier Bardem's 'Skyfall' Character Will Be Unlike Any Bond Villain

'It's complex — he's not an easy guy,' actor tells MTV News on London set of 007 flick.
By Christina Garibaldi


Javier Bardem
Photo: MTV News

With more than 20 movies in the franchise, the James Bond series has produced a wide range of memorable villains. From Le Chiffre in "Casino Royale" to Goldfinger to Blofeld, each Bond nemesis has tried — and failed — to take down 007.

The next villain to take on the challenge will be Silva (played by Javier Bardem), who'll try his luck against Daniel Craig's Bond in the upcoming "Skyfall." MTV News recently visited the movie's London set and we asked Bardem how Silva stacks up against Bond's long list of famed adversaries.

"I never pretend to be the best Bond villain ever, that would be too much to think of yourself," Bardem said. "I think the character — it's complex — he's not an easy guy. He's not only a villain, it's more than that, hopefully, that's what we tried to achieve.

"I'm saying this in the middle of a shooting," he emphasized. "Then the director and the editor has to make decisions and put the movie together, and then out of that is what the character will become."

Little is known about why Silva is after Bond, and Bardem wasn't about to tell us. He remained tight-lipped, saying even he was unsure how the rivalry will play out on screen.

"I don't know, we have to see the movie to see that, because I know what I've done as an actor, but I haven't seen the movie, so I cannot tell you how the movie is going to look like," Bardem said. "I have an idea I think that it is going to be a very, very exciting movie to watch."

Bardem hopes his transformation into Silva will ultimately be something fans have never before seen onscreen. "In these times, there is nothing that we haven't seen before, but I guess it's a different type of person [than] I've played before," he explained.

Bardem has good track record when it comes to playing villains: His haunting performance as Anton Chigurh in "No Country for Old Men" won him an Oscar. So what makes the actor so good at being bad?

"I see them more than villains, I see [them] like people with some circumstances behind them that make them act and react the way they do," Bardem said. "It's not only a sign you have to put on a character like, 'This is a villain.' It's a man who has some trouble going on and he has to cope with it."

"Skyfall" hits theatres this fall.

Check out everything we've got on "Skyfall."

For breaking news, celebrity columns, humor and more — updated around the clock — visit MTVMoviesBlog.com.

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Celebrity iPhone 4S Siri commercials hit the air with Samuel L. Jackson, Zooey Deschanel

For the first time in... forever, iPhone 4S commercials are hitting the air with celebrities.... talking to Siri. The Avengers' Samuel L. Jackson is in one spot that finishes with Verizon branding and The New Girl's Zooey Deschanel is in another with the Sprint logo at the end.

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GM: Explosion at battery research facility ?unrelated to the Chevrolet Volt?

One person was hurt at the GM research site in Michigan during ?extreme testing on a prototype battery? unrelated to the Volt ?or any other production vehicle,? the company said.

An explosion during "extreme battery testing" Wednesday morning of a prototype energy cell at a General Motors battery research facility in Warren, Mich., injured one person and did major structural damage to the building.

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At the heart of the explosion was a lithium-ion battery, according to a fire department official cited in local news reports. The morning blast did not, however, involve batteries that power the Chevrolet Volt, the new plug-in hybrid car whose batteries caught fire weeks after a crash test, General Motors said in a statement.

But the flap over the Volt battery fire has left some insiders feeling more than a little peeved and defensive at the amount of news media attention being devoted to what they say is an almost inevitable, if not routine, event in the business of battery research and extreme testing.

"The whole reason they have these labs is precisely to do this kind of aggressive testing ? anticipating the worst thing a consumer could do with this product," says one expert with direct knowledge of the circumstances surrounding the explosion, who asked not to be named. "This is going to turn out to be a mountain out of a mole hill. Yeah, we're doing a lot of testing. That's what we have to do. Sometimes things explode."

?The incident is still under investigation by GM and the Warren authorities," the GM statement said. "Any information or discussion of the nature of the work in the lab or cause of the incident is entirely speculative and cannot be confirmed at this time. The incident was unrelated to the Chevrolet Volt or any other production vehicle. The incident was related to extreme testing on a prototype battery.?

Despite criticism of the Volt by conservative pundits, a follow-up investigation by the National Highway Transportation Safety Administration concluded the new car was no more prone to fire than any other vehicle.

"The debate over batteries recently really hasn't been about safety so much as about their longevity," says Tom Turrentine, director of the plug-in hybrid and electric vehicle research center at the University of California, Davis. "I think we are mostly over the hump with battery safety. But there's no question that battery labs are notorious for explosions when they're testing."

Lithium-ion batteries are attractive to automakers because they can hold so much power ? about four times the amount of energy a conventional lead-acid battery. Even so, earlier lithium-ion batteries used in other commercial applications burst into flame on occasion. Laptop computer manufacturer Dell Computer recalled millions of batteries after a handful of its laptops burst into flames several years ago.

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Vatican and Oxford libraries scan ancient works, let scholars stay in their armchairs

Vatican and Oxford libraries scan ancient works, let scholars stay in their armchairs

Two of the world's most hallowed libraries are about to get even quieter, having been given $3 million to go with the flow and put some of their oldest collections online. The Vatican Library and Oxford University's Bodleian Library will together offer up 1.5 million pages of hoary text, including Gutenberg's Latin Bible from the 15th Century, a 1,200-year-old Hebrew codex called the "Sifra," and enough Greek philosophy to make even Homer seem succinct. At the end of a five-year flatbed scanner marathon, these digital copies will be accessible to speakers of dead languages everywhere, and hopefully for less than sacrilegious prices.

Vatican and Oxford libraries scan ancient works, let scholars stay in their armchairs originally appeared on Engadget on Mon, 16 Apr 2012 07:31:00 EDT. Please see our terms for use of feeds.

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Sharp rolls out high-res IGZO LCDs destined for tablets, laptops and monitors

Sharp rolls out high-res IGZO LCDs destined for tablets, laptops and monitors
Well, a week (or two) is a long time in the technology industry, and despite that joint venture with Sony heading south, it's not all bad news for Sharp. According to a press release from the panel maker, it has begun production of the world's first screens based on IGZO (indium gallium zinc oxide) technology. These screens are said to promise twice the detail as existing panels of similar transparency, which also translates into a hefty 90 percent reduction in power consumption, reports PC World. Sharp did kindly share some sample specifications, such as a 7-inch tablet display touting a 1280 x 800 resolution equaling 217 ppi, and a 32-inch 3840 x 2160 screen at 140 ppi, to give you an idea of what we can expect. There's no indication yet as to any devices where we might see them showing up, but as the firm claims it's ramping up production "to meet market demand" we guess we'll find out soon enough...

Continue reading Sharp rolls out high-res IGZO LCDs destined for tablets, laptops and monitors

Sharp rolls out high-res IGZO LCDs destined for tablets, laptops and monitors originally appeared on Engadget on Sat, 14 Apr 2012 17:33:00 EDT. Please see our terms for use of feeds.

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LogMeIn branches out from its remote desktop roots, intros Cubby cloud sharing service

Image
Ready for yet another option in world of cloud storage services? LogMeIn today announced it's ready to get in on the remote storage action with its own offering, built atop its Gravity Data Service, dubbed Cubby. Currently in beta, Cubby allots you 5GB of storage in the cloud, while allowing you to turn your Mac, PC and any folders into "virtual cubbies." You'll be able to sync selected data between your choice of devices and even share access (read-only if needed) to specific cubbies for collaborative efforts -- and although the service is free, there's no limit on how much data you can move between your machines. Better yet, iDevices and Androids are also supported via LogMeIn's free Cubby apps. If you've been looking for another option aside from the likes of Pogoplug and Dropbox, you can request an invite to the service by hitting up the source link below. If you'd like more details in the meantime, check out the press release after the break.

Continue reading LogMeIn branches out from its remote desktop roots, intros Cubby cloud sharing service

LogMeIn branches out from its remote desktop roots, intros Cubby cloud sharing service originally appeared on Engadget on Thu, 12 Apr 2012 11:57:00 EDT. Please see our terms for use of feeds.

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Kindle Touch update adds Europe-friendly languages, landscape mode

Image
April 27th is nearly upon us, heralding the arrival of the Kindle Touch in Europe. Before that happens, Amazon's pushed out a software update packed with language support for the continent, landscape mode and text-to-speech, amongst others. You can manually download version 5.1.0 now or wait for the over-WiFi update in a couple of weeks. Pre-orders for the device are open as we speak, the WiFi-only model costing £109 / €129, the 3G edition costing £169 / €189.

Kindle Touch update adds Europe-friendly languages, landscape mode originally appeared on Engadget on Thu, 12 Apr 2012 09:19:00 EDT. Please see our terms for use of feeds.

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NJ flood victims: Where did federal aid millions go?

Bob Sullivan / msnbc.com

Giselle Sedano looks over flood-related paperwork at a coffee shop near her midtown Manhattan office.

By Bob Sullivan

Giselle and Zenayda Sedano of Cranford, N.J., never had a chance of keeping the rampaging waters of the Rahway River out of their home when Hurricane Irene roared through northern New Jersey in August. Now they are wondering if they ever had a chance to get any of the $21 million that the Federal Emergency Management Agency sent to help New Jersey?s flood victims.

We first met the Sedano sisters a day after the hurricane hit on Aug. 28, causing the Rahway River to breach containment and wreak havoc in their suburb of Cranford, where about one in five homes were damaged. They were picking through all of their worldly belongings and looking for something, anything, that wasn?t completely waterlogged.?

Now, more than eight months later, they are wondering why they didn?t receive any federal disaster aid to flood-proof their home, which is only about 100 feet from the river, while some of their neighbors who live farther from the water are getting nearly $200,000. Other Cranford residents are asking similar questions.


?There are homes in plain sight of mine that were selected which I will have to witness get elevated. But I'm right next to the river. I just don't understand," Giselle Sedano said. "It?s so hard waking up every day not knowing what?s going on."

The controversy highlights the challenges that FEMA and local officials face as they try to plan ahead and minimize future flood disasters.

Msnbc.com profiled the Sedano sisters in August when writing about the towns hit hardest by Irene. Giselle is a hedge-fund analyst and Cornell graduate; Zenayda works in the pharmaceutical business and is a Rutgers graduate. The two successful 20-somethings pooled their resources to buy a home in 2009, soon after they graduated from college, so they could move with their parents to Cranford.

Their parents came from Peru in the 1980s with nothing other than the clothes in their suitcase. Irene left the entire family in a similar fate; mom, dad, and the two sisters had little left outside the clothes they took when fleeing to a nearby hotel right before the Irene hit.

Nearly six months to the day after the storm, New Jersey Gov. Chris Christie announced that FEMA had awarded the state $21.6 million through its Hazard Mitigation Grant program. The money was promised to seven municipalities hit hard by the storm; Cranford received $3.1 million for "the elevation of select dwellings."? At around the same time, some Cranford residents began receiving phone calls saying they'd been selected for elevation grants. Others, including the Sedanos, heard nothing.

Like dozens of other Cranford residents, the Sedanos had responded to a notice last fall from the township indicating they'd like to participate in the elevation grant program. It's not cheap; even with the grant money, residents have to pay 25 percent of the cost.

Neighbor Kristen Wolansky also requested elevation aid, but she said the township never even acknowledged receipt of the request.

"There was no confirmation that your name was received. The information was just submitted into a void," she said.

The list of lucky homeowners isn't public -- "winners" were notified only by phone call, said Wolansky. But she and another frustrated Cranford resident, Steve Gorski, have pieced together a map based on conversations with neighbors. While unofficial, it shows several homes around the Sedanos' house receiving aid.

It makes sense for FEMA to flood-proof homes that are subject to repeated disasters. Like most flood victims, the Sedanos paid to participate in the National Flood Insurance program ? in their case, the premiums were $2,015 annually. Elevating homes -- or purchasing them outright and making them into parkland -- is cheaper in the long run than continuing to pay pricey settlements every 10 or 20 years.

But there's not nearly enough money to buy out or elevate every home in danger -- only about 1 in 10 homes statewide in risky areas will receive funds from the $21 million FEMA grant, New Jersey state officials say. That means there's always a lot of disappointment when flood relief grants are doled out.

But the process for picking winners and losers raises questions. Ultimately, local officials decide which residents get the aid. There are complex considerations, such as preserving the character of neighborhoods, which are best left to local officials. But that also leaves them open to criticism and accusations of political patronage.

Compounding the problem are privacy requirements surrounding the process. Because participation is optional, and residents can decline the aid, the list of selected homeowners remains a secret until contracts are signed to begin work. That also means families like the Sedanos have no real avenue for appeal.

Bob Sullivan / msnbc.com

Giselle and Zenayda Sedano in August 2011.

FEMA?s Hazard Mitigation Program has benefitted communities around the country. The state of Vermont received post-Irene buyout and elevation grants of $19.8 million, for example. ?But the program also has a spotty history. More than $1 billion was set aside for land acquisitions and home elevations after Hurricane Katrina in Louisiana, but arguments over how to implement the program delayed the awarding of any grants for two years ? and by 2008 ? three years after the monster storm -- only 14 grants were paid out. Claims of contractor fraud also complicated that awards process.

By that measure, the post-Irene grant process is moving swiftly in New Jersey. Still, the Cranford secret has been kept for a while -- the homes picked by Cranford officials had to be included in the town's initial application for aid, which was filed sometime in the fall, according to state officials.

FEMA directed questions about the New Jersey grant process to state officials; the governor's office directed questions to the state?s Office of Emergency Management.

Mary Goepfert, spokeswoman for that agency, explained the process to msnbc.com.

"The homeowners have to stay private because if they don't participate, and their name is on a list ? their home would be severely devalued," she said.

Goepfert said local officials must show that the choice of winners is "financially advantageous" -- that is, a buyout or elevation project must be cheaper than expected future insurance payouts. But otherwise, home selection is entirely up to municipalities, she said.

"For instance, it might make more sense to buy out three, four, five or six houses in the same neighborhood than it would to buy a house here and a house there,? she said.

But what if a resident who wasn't selected feels the process was unfair?

"That's a question for the municipality," she said.

Cranford Mayor David Robinson said he understands why some residents might be frustrated, but said the municipality initially tried to get enough money to elevate about 50 homes and was told by federal and state authorities to tone down its application.? Right now, 18 homes are slated to get elevation aid, and another five are selected as alternates in case others back out.

"We're going to go neighborhood by neighborhood and try to get all of them elevated," he said. "It's just a matter of which homes get first priority. That's what we really focused on." The town plans to apply for additional elevation grants in the future, he said.

This time, municipal officials looked at prior loss history, past flood claims and other data?when picking the homes,?he said, admitting that some of that data is incomplete.

"We've also found instances where people may have had private flood insurance, and?we discover that's a blind spot not included in (our) loss data," he said. "We're working hard to fix that. ... (This time) we focused on homes closest to the river and going neighborhood by neighborhood with the loss data that we had."?

While the 18 "winning" homeowners and 5 alternates have been informed, he said there is no process to tell disappointed homeowners that they weren't picked, or why.

And how should a homeowner like Sedano feel if they feel left out, while neighbors benefit?

"If it's a next-door neighbor, maybe the explanation was that their loss data didn't fit into the cost-benefit analysis that was being worked on at that point," he said.?

The "losers" must simply trust that the selection was fair. The data -- and the reason for the selections -- remains private.

There is one public curiosity about Cranford's aid grant. The other six cities that were promised post-Irene grants all elected property buyouts; Cranford was the only municipality to pick home elevation.? That can be far less disruptive for homeowners, of course, because they don?t have to move. Elevation benefits the town's tax coffers, too, Goepfert said.

"With a buyout, those properties are written off from the tax ratable base," she said.? "But why Cranford chose elevation, you'd have to ask them."

Bob Sullivan / msnbc.com

The Sedano sisters pick through the belongs outside their flooded Cranford home in August 2011.

Mayor Robinson said no one in the town expressed interest in a buyout.

All this?mystery might be over soon. Goepfert said post-Irene aid was fast-tracked, and she hoped contracts for construction and buyouts would be signed within a month. Then, the list of winners and losers will be made public, she said.

For now, the Sedanos are slowing putting their lives, and their home, back in order. Most of the basic reconstruction of their home has been completed, and the family has moved back in, albeit with sparse furniture. They celebrated Easter Sunday at home this past weekend, their first meal in their rebuilt dining room since the flood.

"There were a few tears during dinner," Giselle said.

But the view of the river out their window, which once brought a sense of tranquility, now only brings trepidation. And until the list of to-be-elevated homes is published, the Sedanos are forced to wait and wonder why they weren't chosen.

"We find it totally unfair. Our home is directly in front of the river," Zedayna said.??

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