Understanding premiums on precious metals is extremely important before purchasing any products.

It is the source of much confusion and varies greatly by specific product and by company. Firstly, it is important to understand why there is a premium in general. Secondly, one needs to understand why the premium changes depending upon the specific product.

It is virtually impossible to buy any metal at exactly the spot price. The “premium” is the additional cost of a physical gold product above the spot price (the market value of the metal it contains). This additional cost over the spot price results from multiple factors, including manufacturing, distribution and administration costs incurred by the refiner in producing the coin or bar. Additionally, there is a mark-up representing the selling costs and the profit in bringing the product from the refiner to the investor. This is similar to other markets. Typically all markets have additional costs when distributing any product from the producer to the buyer. When we use the term “premium”, we are referring to any costs over the spot price including dealer premiums and commissions, all shipping costs and insurance.

When researching gold prices, one also notices that each product carries a different premium over the spot price.

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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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