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North America and Europe have faced the specter of either recession or anemic growth for the last several years. The financial system in both regions has been extremely weak and there is very little transparency and accountability left.

Both the Federal Reserve System and the European Central Bank have resisted efforts to audit their secret operations, and this makes it very difficult for poor and middle-class investors to trust the long-term stability of their dollar or euro denominated investments.

In such perilous circumstances, the only sound strategy for personal investment is reliance on physical assets. Among the various potential physical assets one can invest in, gold and land come at the top.

Sometimes a no fax payday advance can be useful since it provides cash-strapped investors an immediate loan to invest in land, farmland or repossessed houses at auctions.

Gold has high density, high value, and it can easily be concealed and carried during riots, arson and recessions. However, physical gold can be confiscated from small investors and transferred to large well-connected banks as happened in the 1930s during Roosevelt-era despotism.

The second reliable investment is farmland, apartments, condos or  houses, whichever is most affordable. It should be in a good neighborhood that’s safe, has a low chance of being wrecked by riots and arson, and where investors can envision their families growing up safely.

Apart from physical gold and land, other precious metals such as silver, platinum and palladium should be good bets for a long-term return on investment.

The one distinct advantage of investing in farmland is that when central banks unleash a recession and depression, investors can have a garden plot to feed their families, and a roof over their heads. Gold cannot be eaten or slept under.