Harald Heinz

My companies and my products

SIPLAGO LP is my precious metal trading company, which sells the precious metal bars shown in the picture above to customers and also buys them back from customers if the customers want to sell them later. The reason why the SIPLAGO LP only sells bars and no coins can be explained by the fact that the price per ounce is usually better for bars than for coins. This is due to higher minting costs and smaller units. All products that customers purchase from SIPLAGO LP are stored via Atlantic Canada Metals Inc. in a high security warehouse in Halifax, Canada.

Atlantic Canada Metals Inc. is a company specializing in the safe custody of precious metals. Through Atlantic Canada Metals Inc., customers from all over the world store their precious metals in a high-security warehouse in Halifax, Canada. Each customer gets their own sealed box in a large vault. Strictly separate storage avoids the mixing of precious metals from different customers. The high-security warehouse is manned by armed personnel 24/7. Thus, the precious metals are kept absolutely safe. Despite this highest level of security, the precious metals are also insured.

Why Canada?

When I first came to Canada in 1999, I was fascinated by the country. A lot of space, everything feels a lot bigger and you have a lot more space. This is perhaps also the reason why Canadians are much more relaxed and treat each other much friendlier than people in Germany. And also very impressive is the nature and wildlife in Canada. You can spend days in the wilderness without encountering a human being, but you can find a lot of animals. These were all reasons for my emigration to Canada in 2011. Another reason was the overall development of Germany under Angela Merkel, which initiated Germany's decline. An increasingly dominant and encroaching EU, which imposes more and more rules and regulations on the citizens of Europe and curtails their freedoms, increased my desire to go to Canada.
On the other side of the Atlantic, on the other hand, I found significantly more freedom and much less bureaucracy and regulations. Establishing a company in Canada is much easier and cheaper than in Germany. In Canada, both privately and in business, you pay less taxes and duties than in Germany. Emigration and the establishment of Canadian companies was the logical conclusion. With my companies in Canada, not only do I have advantages, but also the customers of my companies. Canada is considered to be one of the safest countries in the world, making it a perfect place to keep your precious metals.
In addition to the high level of security, Canada also offers a very stable economy and a particularly high level of legal certainty. This is also why most of the major physical precious metals ETFs and trusts store their precious metals in Canada. These companies would not do this in Canada unless they were absolutely sure about the legal and political situation in the country. The Canadian "Common Law" simply offers more legal certainty than the German "Civil Law". In common law, the law is created by judicial decisions, while in civil law, the legislature (politics) dictates the laws and can change them at any time. While in Canada the judges follow previous court decisions, the German judges have to follow the currently valid bills, which can be changed by politicians at any time. This means significantly greater legal certainty for private individuals and entrepreneurial activities in Canada.
Canada is a resource nation and has always been the center of the world's mining industry. Canada has never had a gold or silver ban like many other countries. It is also unlikely that a ban on any commodity will ever be introduced in Canada. Canada would do so much harm to itself and, with such a step, jeopardize the trust that has been built up over decades as a mining center for raw materials. To understand the importance of the natural resources and mining industry to Canada, it is important to know that in 2020 a total of 1,348 mining companies were headquartered in Canada, while in the entire rest of the world only 702 mining companies were headquartered. This means that over 65% of all mining companies worldwide have their headquarters in Canada, including the largest mining companies in the world such as. e.g. Barrick Gold Corp., Kinross Gold Corp., Agnico Eagle Mines Ltd., Kirkland Lake Gold Ltd., etc. All of these companies have chosen Canada as their headquarters for specific reasons, primarily economic and political security and stability and a good and transparent legal system.

Canada also has excellent indices

For most countries in the world, indices are assigned in different areas and you can use them to compare individual countries quite well. Here is a comparison of Canada with Germany and Austria:

• Stability Index 2023 (0 = very sustainable / 120 = very alarming):
  
  Canada: 18,7
  
  Germany: 24,6
  
  Austria: 24,4
• Democracy Index 2022 (0 = authoritarian regime / 10 = full democracy):
  
  Canada: 8,88
  
  Germany: 8,80
  
  Austria: 8,20
• Freedom Index 2023 (0 = not free / 100 = free):
  
  Canada: 98
  
  Germany: 94
  
  Austria: 93
• Internet Freedom Index 2023 (0 = not free / 100 = free):
  
  Canada: 87
  
  Germany: 77
  
  Austria: n/a
• Press Freedom Index 2023 (0 = not free / 100 = free):
  
  Canada: 83,53
  
  Germany: 81,91
  
  Austria: 77,30
• Quality of life index 2023 (0 = very bad / 100 = very good):
  
  Canada: 97,9
  
  Germany: 90,0
  
  Austria: 78,8
• Business Friendliness Index 2023 (0 = very bad / 100 = very good):
  
  Canada: 76,4
  
  Austria: 69,5
  
  Germany: 62

Everyone's perceptions are different, so this data should only be used as a guide. In general, however, one can deduce from the figures that Canada is superior to Germany and Austria in many respects.

Germany and the EU are making life increasingly difficult for their citizens

On the other hand, laws have been emerging in Germany and the EU for years that can cause extreme damage to European citizens if they invest in their own country. Here are a few examples:

• For example, the Restructuring and Liquidation Act (SAG):
  This law can, for example, practically expropriate shareholders of a bank that gets into financial difficulties by having their shares fully or partially canceled by the resolution authority. Likewise, bank balances of more than 100,000 euros can be confiscated from private and corporate customers and used to restructure the bank. This can be particularly tragic for corporate clients who hold large amounts of money in their accounts to pay bills and salaries. An objection procedure against these measures has been excluded in the law itself.
• Or the CAC (Collective Action Clause):
  Since 2013, European countries have been able to refuse to repay debts with this clause, even if the saver does not agree. It can hit practically anyone and owners of government bonds can thus be expropriated against their will. You should know that such government bonds are included in the vast majority of classic life and pension insurance policies. If you look at the debt situation in the EU and its member states, all the alarm bells should be ringing.
• Or § 314 VAG in Germany:
  Do you have endowment life insurance? Then you should definitely know the regulation in § 314 VAG. VAG stands for Insurance Supervision Act, Versicherungsaufsichtsgesetz in German, and § 314 prescribes a payment ban to protect insurance companies. If your insurance company gets into trouble, the regulator can order the company to stop all types of payments. You will therefore not receive an insurance sum that you are normally entitled to according to the contract. In addition, it is possible that the assets of your insurance company can be reduced. What is particularly serious, however, is that you as the policyholder, despite these measures, are still obliged to pay your premiums. Every consumer should therefore reconsider whether he can still regard a capital life insurance or annuity insurance contract as a "safe investment".

Intelligent people do not expose themselves to such dangers and avoid such circumstances by diversifying geographically. The purchase and storage of physical precious metals in Canada offers the best conditions for maximum security.

Reasons to buy physical bullion in Canada

As you have read above, the money in the bank account is by no means safe, apart from the fact that this money no longer belongs to you. All money in bank accounts is an unsecured loan to the bank. That's okay for the money you need for everyday life. Anything above that shouldn't be sitting in the bank account, at least not for a long time. This money can be well invested in physical precious metals.

Capital life insurance can now be described as a high-risk investment and that would be praise for this type of insurance. Confirmed by a German court, the endowment life insurance can officially and with impunity be described as fraud. If you have an endowment life insurance policy, it would probably make sense to cancel it and invest the remaining capital in physical precious metals.

Physical precious metals such as silver, platinum and gold are the ultimate safeguard of one's wealth and prosperity. Most people and companies in Europe hold assets in Europe, in the country in which they live, and they tend to hold almost all of these assets in euros. Here, the cluster risk quickly becomes visible and it can be minimized quickly and significantly by buying physical precious metal in Canada and also storing this precious metal in Canada. With this step, you diversify your assets into precious metals, then into another continent, another country with a different currency and thus out of Europe and the euro. In Canada, your physical precious metal is stored in one of the safest countries in the world, with western values and in a country with an identical culture. The storage location can be reached quickly and you can sell, transfer or pick up your precious metals at any time. Canada offers the optimal geographic diversification, especially for Europeans.

Reasons to invest in physical precious metals

Here is a list of some more of the many reasons why everyone should invest in physical precious metals, and physical silver in particular:

• You exchange your paper money, which is becoming increasingly worthless due to inflation, for money that has been tried and tested for millennia, by many generations!
  Which paper money has lasted longer than 60 years? None!
  Silver, on the other hand, has been in human use for about 5,000 years and even the old coins of the Romans and Greeks still have their value today or have become significantly more valuable.
  Physical silver is your real money!
   
• You exchange a claim (paper balance) for personal possessions!
  A balance in the bank is a claim you have against your bank. You are a creditor and can hope that the bank/insurance/pension scheme will still exist at the time you want and can meet your claim.
  Physical silver in your personal possession is an asset that will last as long as you wish.
  Physical silver is your real possession!
   
• You trade insecurity for absolute certainty!
  If a bank no longer pays you interest on your savings, it is probably not “worth much” from the bank’s point of view!
  By owning physical silver, you have one of the most sought-after investments with a high potential for appreciation, as our industry cannot exist without this metal in the future either!
  Physical silver offers you security!
   
• You make yourself independent of financial and banking crises!
  Banks can default and close, insurance companies can default and close, governments can become over-indebted and devalue their currency through excessive money printing.
  Physical silver, stored in a high-security vault in Canada and thus outside the US dollar and the euro area, insured on a daily basis and can be traded at any time, ensures your liquidity at all times, even and especially in critical phases.
  Physical silver makes you independent!
   
• You benefit exclusively from future price developments!
  The uses of physical silver are unknown to 99% of people. Also completely unknown is the remaining amount of physical silver on our earth. According to Wikipedia (Federal Office for Geosciences, Fraunhofer Institute, Rheinisch-Westfälisches Institut) we still have resources for about 22 years! It is also unknown that due to the technological development of the last 40 years we hardly have any physical stocks in an industrially usable form!
  Physical silver can significantly increase your wealth!
   
• You buy the most important metal for our western standard of living!
  Silver is essential to our standard of living! Silver is used in all electronic devices, cars, PCs, notebooks, IPads, iPhones, mobile phones, mechanical engineering, solar technology, RFID tags, batteries, mirrors, etc. There is therefore a very high annual demand for silver from industry! About 70% of the annual production of silver is irretrievably consumed by industry alone!
  Physical silver is an enormously valuable investment opportunity!
   
• You are buying a valuable good!
  Silver has a bactericidal effect and eliminates over 600 different bacteria, viruses and germs. And they have no way of building up resistance to silver. Thanks to this property, billions of people are provided with clean drinking water through water filters with activated carbon and silver. An exclusive argument for physical silver, especially with a growing world population.
  Physical silver makes you immune to many ills!
   
• You are the first to invest in a mini market, with all the resulting opportunities!
  Annual production of approximately 750 million troy ounces of silver per year is worth approximately US$15 billion at a price of US$20 per troy ounce. Mr. Bill Gates alone has private assets of around 80 billion US dollars! In the foreseeable future, many people with large paper fortunes will likely attempt to exchange that paper money for physical precious metals such as silver.
  Physical Silver offers you a fantastic opportunity today!
   
• You invest in your future and the future of your children!
  Silver is permanent, paper money is perishable. Real wealth has always been passed on through personal possession of real assets. These include real estate, land, antiques and precious metals.
  Physical silver secures and expands your assets and the assets of your children and grandchildren in the future!
   
• You invest in physical silver and benefit from the facts!
  Our world is bulging with fiat money and currencies, our stock markets are fully developed worldwide, our insurance markets are fully developed worldwide. The physical silver market, which made all these developments possible, is currently completely underdeveloped.
  That will change in the future!
   
• The silver is yours!
  While all paper currencies of the past died out and today no one can or may pay in thalers, rentenmarks, German marks or lire, francs, etc., silver has always had a value. Silver is now legal tender again in several American states. You can still trade coins that are older than your great-grandparents and still have real value. Paper money perishes, either through inflation, through government or bank failure, or through expropriation by the legislature.
  But your personal possessions remain with you as long as you wish.
   
• Investors buy silver, but especially the industry!
  Around 750 million troy ounces (1 troy ounce corresponds to approx. 31.103 grams) of silver are mined worldwide every year. Industry alone (electronics, automobiles, jewellery, medicine, solar energy, etc.) takes up more than 60% of this for its ever-growing uses. Since silver does not corrode (rust) even at high temperatures, and is the best electrical conductor and light reflector of all metals, it is used in countless products that make our standard of living possible. E.g. car, I-Pad, computer, mobile phone, mirror, solar technology, RFID tags, mechanical engineering, electrical appliances, heating systems, etc.
   
• Silver is indispensable in medicine!
  A little-known field of silver use is medicine. Silver has bactericidal properties and eliminates more than 600 different bacteria, germs and viruses. An antibiotic, on the other hand, only manages about 6-8, but with side effects! Silver is found in wound dressings, plasters, bandages and other uses. The same applies to foils that are laid in operating rooms and modern refrigerators so that germs and viruses don't even get a chance to be present. Important to know when talking about antibiotic-resistant viruses and bacteria in the future!
   
• Silver is indispensable for drinking water production!
  Due to the already mentioned bactericidal properties of silver, water filters are equipped with silver and activated carbon. Especially in the future, when drinking water will be a precious commodity, silver cannot be replaced.
   
• The industry is hoarding (not yet)!
  For the production of a tablet PC (also iPad, iPhone, PC, laptop) a manufacturer needs 0.05 g of silver, for a mobile phone 0.25 g and for a car up to 60 g of silver. These are small amounts, but with more than two billion mobile phones per year, approx. 80 million cars and hundreds of millions of PCs, iPhones, tablets and Nintendos (also per year), a lot of silver is collected. Silver is a scarce commodity and should one of the main supplying countries (Peru, Chile, China, Poland) have to stop exporting for political or other reasons, even for a short time, many companies that need silver to manufacture their products will immediately start hoarding silver to secure future production.
   
• "Everyone's business is nobody's business"!
  At present, everyone in the world has paper money in a wide variety of interdependent currencies. Customers hardly receive any interest from banks for holding paper money, which is bad business in an inflationary environment. 99% of these people do not own silver in physical form, but have many trillions of euros and US dollars and rubles and yuan in paper money investments.
   
• The silver reserves are coming to an end!
  The Fraunhofer Institute, the Rheinisch-Westfälisches Institut and the Federal Office for Geosciences and Natural Resources certify that silver on Wikipedia has a finite funding period, which is completely natural for a raw material (not paper). In about 20 years we can expect an absolute shortage of physical silver!
   
• Wealth comes from possession!
  Unfortunately, many people confuse the term wealth with the nominal balance of their checking account. Due to persistent inflation, which is what the central banks want, all paper money is constantly losing its purchasing power. Owning physical silver is the best protection against wanted inflation.