Pure gold is too soft for day-to-day monetary use and is typically hardened by combining with copper, silver or other base metals.

The gold content of alloys is measured in karats. Karat denotes the amount of gold by weight in an alloy, known as the fineness (or purity).

The gold karatage system is used to identify the fineness (or purity) of gold as a fraction of 24 parts. Pure gold (or fine gold) 24 out of 24 possible parts, “24K”, which has a fineness of 100.00% or 1.00. However, 100.00% purity is unattainable, therefore 99.95% or 0.9995 purity can be designated “24-Karat” in commerce. 24 karat gold coins and bars generally come in two qualities – 999 (99.90%) and 995 (99.50%). 18-karat gold is 18 parts gold and 6 parts base metal, forming an alloy with 75.00% (18/24) gold. One karat is 1/24th gold purity by weight. 10 karats is the minimum recognized purity of an alloy to be called “gold” in the United States. The popular jewelry alloys in the U.S.A. are:

24K (acclaimed 99.95%)=99.95-100.00%

23K (acclaimed 95.83%)=95.83-99.95%

22K (acclaimed 91.66 %)=91.66-95.83%

18K (acclaimed 75.00%)=75.00-79.16%

14K (acclaimed 58.33%)=58.33-62.50%

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I’ve been investing with Tom Cloud since 1999. Tom’s service & advice has been a tremendous blessing to me and my family. The assests that I’ve purchased have grown more than 300% during a time the broader stock market is still down from its highs in 2000 & 2008. I count Tom amongst the finest business men I’ve ever worked with, he’s demonstrated strong integrity & wisdom over the 13 years we’ve worked together.

J.H., CA

My husband & I were referred to Tom by a Ministry that we fully support & trust. Six years ago, our stock portfolio was not appreciating at all. Since that time we have averaged over 20% per year on his recommendations. The things we like the best are his integrity, fast responses, candid assessments & especially how quick out products arrive.

R.C., FL

I have valued Tom’s advice for over 27 years. As an MD, I have to work with people that i can trust as so many people try to reach me. He has continually provided honest staright forward information & very fair prices. He has helped me in other areas besides his expertise that has also been invaluable. Even when metals were flat he would never try to get me buy more and would give me honest assessment of the market. Thanks to Tom Cloud, my retirement account has more than tripled. I would highly recommend him to anyone.

B.M., TX

My working relationship with Tom Cloud & Cloud Resources Group, Inc. has spanned a 20 year period. The service & business relationship has always been one upmost priority. Tom is always very well-informed & knowledgeable about the current market situation and his customer service is exceptional. Anytime I have ever needed a re-sale of assets, Tom has always been quick and efficient in completing the process at a very honest & fair price. I trust Tom Cloud without hesitation because our relationship over the past 20 years has proven one of confidentiality, efficiency and honest business.

L.E., GA

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