Pregnant woman detours en route to hospital to vote after water breaks


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Nothing was going to stop first-time voter Galicia Malone from casting her ballot in Tuesday's US elections -- not even the
imminent birth of her first child.

The 21-year-old from Dolton, Illinois, a suburb of President Barack Obama's adopted hometown Chicago, had been in labor since the middle of the night, with contractions five minutes apart.

But she insisted en route to hospital on stopping at her local polling station -- the aptly named New Life Celebration Church -- to
cast her ballot, Cook County clerk David Orr said in a news release.

"I never voted before so this made a major difference in my life," Malone told Chicago's WBBM all-news radio station. "And I
wanted this to be a stepping-stone for my daughter."

"I was just trying to read (the ballot paper) and breathe, read and breathe," she added. "That's what I kept telling myself: 'Read and breathe, read and breathe'."

Orr, whose office is in charge of setting up local polling stations, said: "My hat goes off to Galicia for not letting anything
get in the way of voting. What a terrific example she is showing for the next generation."

How to invest in gold

Investors can tap into the gold price by purchasing physical jewellery, coins and even gold bars, but these need to be stored safely and possibly insured.

A cheaper and more straightforward way to benefit from gold price growth is to buy an exchange-traded fund (ETF).

Most advisers suggest sticking to “physical” ETFs. These hold actual gold bullion, bars and coins in a vault on investors’ behalf. Others do not hold gold but use derivatives to track the price instead, adding an extra layer of risk. The two biggest physical gold ETFs are SPDR Gold Trust and iShares Gold Trust.

Another way to invest in gold’s success is to buy gold mining stocks, but Mr Gravier says this brings added risks and can be more volatile. “They have a serious downside potential should the price consolidate.”

Mr Kyprianou says gold and gold miners are two different asset classes. “One is a commodity and the other is a company stock, which means they behave differently.”

Mining companies are a business, susceptible to other market forces, such as worker availability, health and safety, strikes, debt levels, and so on. “These have nothing to do with gold at all. It means that some companies will survive, others won’t.”

By contrast, when gold is mined, it just sits in a vault. “It doesn’t even rust, which means it retains its value,” Mr Kyprianou says.

You may already have exposure to gold miners in your portfolio, say, through an international ETF or actively managed mutual fund.

You could spread this risk with an actively managed fund that invests in a spread of gold miners, with the best known being BlackRock Gold & General. It is up an incredible 55 per cent over the past year, and 240 per cent over five years. As always, past performance is no guide to the future.

Red flags
  • Promises of high, fixed or 'guaranteed' returns.
  • Unregulated structured products or complex investments often used to bypass traditional safeguards.
  • Lack of clear information, vague language, no access to audited financials.
  • Overseas companies targeting investors in other jurisdictions - this can make legal recovery difficult.
  • Hard-selling tactics - creating urgency, offering 'exclusive' deals.

Courtesy: Carol Glynn, founder of Conscious Finance Coaching

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