Author Archives: admin

Finding the Best Investment Property Interest Rates

People nowadays are searching for added ways to build up their earnings so most of them are drawn into investing particularly in real estate as it is gaining reputation in the market. Many find this beneficial and can produce better proceeds than your regular investment. Then again, any type of business would always entail not only expertise in the field but also sufficient capital to fund your property investment. That is why there’s the presence of investment property lenders or banks to support you with your financing.

Loaning is your only answer if you don’t have cash to acquire and upgrade a property. But most people are still worried of borrowing from lenders or banks because of investment property interest rates. It is similar to regular loans where you can pick between variable or fixed interest rate. When you loan from a bank, there are ways to save cash by reducing the amount of interest that you will pay. Due to rise of lending companies, banks are giving special offers and discounted rates.

Interest rates will influence on how you are going to pay for your loan, so if you have lower interest rate, you will be paying for a smaller loan. So it is vital for you to find the best investment property interest rates.

* Compare – lending companies compete with each other and it is in the best interest of the investor to search for the company that offer the best rate.

* Property investing – some lenders extend lower interest rates for property investment as it is considered a low risk investing. This is a good thing for those who foster their wealth through real estate.

* Borrow more – some lenders offer discounts on interest rates for a person who borrows more. This may appear risky but as long as the investor knows what he’s doing, why not? It will produce great return if money are used wisely. Borrowing more can also mean an opportunity to remodel the property, if possible, for an growth in revenue.

* Loan calculation – this is very [helpful|useful especially|specially if the investor focuses more on real estate investing because it can give you the best loan [option that will suit your needs. While some people use home loan calculators to find better investment property interest rates, it is still advised to speak to a consultant who can complete the calculations that is precise to his or her goal and situation.

Generally, it is very important for you to find a loan with a reduced interest rate as this will affect how less you are going to pay for your loan and save you a lot of funds. Again, search for special offers and discounted rates on investment property, and then compare providers to make sure you are getting the one with the best investment property interest rates.

Pearls Fashion Jewelry

Hi, I am Norela. I am always fascinated with fashion and jewelry from all around the world. I have spent a lot of time reading and researching on these, specifically pearls fashion jewelry. Do you know that THE PEARL is coming back in the world of high fashion industry? I am not surprised, pearl accessories never went away; to me pearl has its everlasting beauty effect. This is what this article is all about, it’s about my passion, your interest and it’s all about pearls.

Do you remember how elegant Princess Diana and Jacqueline Kennedy were? Pearls fashion jewelry will never be out of style or out of place. It’s a timeless accessory that symbolizes elegance. Despite your personal style; casual, classy or sexy, pearl will give you this glowing and refined look when you wear them around your Neck , your wrist or around your finger. Regardless of occasions, whether it’s funeral, business meeting, cocktail party, shopping or date, you will always look polished and stylish with pearl. 

Making a fashion statement? It adds femininity, modesty and purity to your wardrobe. Well! pearl symbolizes a happy marriage; it’s a gem for the Third and Thirtieth Wedding Anniversaries. Pearls are also the birthstone for June.

Are you aware that pearl is the only gem that is created by a living organism? Below is the brief description on how its created, types and value to better understand about your pearl. You can use this simple information to your advantage when you decide to buy pearl for yourself or someone as a gift.

Types of Pearls

There are three types of pearls; natural, cultured and imitation. The difference between natural and cultured is that natural pearls are formed by nature and cultured pearls are made through human intervention by injecting an irritant into the oyster (like getting dust in your eye). To protect itself, the oyster secretes multiple layers of a calcium carbonate substance called nacre around the foreign object to isolate it from the rest of the oyster. After a few years, the original irritant is covered in a silky coat and that is a pearl. Most pearls fashion jewelry nowadays are cultured pearls, it’s rare to find natural pearl and normally they are very expensive and becoming an antique collections.

Imitation pearls are a different story altogether. In most cases, a glass bead is dipped into a solution made from fish scales. This coating is thin and may eventually wear off. The best way to distinguish between a natural or cultured pearl and an imitation pearl without sending them to a GIA Lab for X-ray is to use the “tooth test”. Rub a pearl on the edge of your teeth. If it feels smooth , the pearl is probably imitation. If the pearl feels rough or gritty, it is probably natural or cultured.

Value of pearl

The value of the pearls in jewelry is determined by a combination of the luster, color, shape, size, lack of surface flaw:

· Luster – Pearls produce an intense, deep shine called luster. This effect is created when light reflects off the many layers of tiny calcium carbonate crystals that compose the pearl.

· Color – Typical pearl colors are white, cream, yellow, pink, silver, or black. A pearl can also have an overtone (a shade of another color), which is seen when light reflects off the pearl surface.

· Shape – perfectly round pearls are rare and highly valued. Teardrop-shaped pearls are often used in pendants.

· Surface Marking – Pearls with the smoothest surfaces are the highest-quality,

· Size – The size of the pearl greatly depends on the type of pearl. Freshwater pearls range in size from about 3.0-7.0mm and salt water pearls can reach sizes as large as 13mm.

All factors being equal, however, the larger the pearl the more valuable it is. Large, perfectly round pearls are rare and highly valued. Teardrop-shaped pearls are often used in pendants.

Necklace Length

Rule of thumb when it comes to pearl necklace length, shorter necklaces flatter long necks, while long necklaces are nice for smaller necks. The lengths and names are as follows:

· Collar – 12-13 inch

· Choker – 14-19 inch

· Princess – 17-19 inch

· Matinee – 20-25 inch

· Opera – 26-36 inch

· Rope – 37 inch or longer

What size is right for you?

The average size of pearl necklaces sold today are 6.5-7mm, 7-7.5mm, and 7.5-8mm.

· 6-6.5mm pearl necklace: Ideal for young or petite women. Young women in the work force can accent their beauty with a simple choker.

· 6.5-7mm pearl necklace: It gives a delicate look. Ideal for young or petite women.

· 7-7.5mm pearl necklace: Appropriate for most women. Ideal for weddings, birthdays, anniversaries, Mother’s Day presents, college graduations, and Valentine’s Day gifts.

· 7.5-8mm pearl necklace: Suited to career women or those who prefer slightly larger pearls. A popular necklace for birthdays, anniversaries, Mother’s Day presents, or any other important occasions.

· 8-8.5mm pearl necklace: It is the most popular size. It is impressive, extraordinary, and valuable. Ideal for an anniversary or an important birthday.

· 8.5-9mm pearl necklace: Ideal for an important anniversary, birthday, or special event. Pearls over 8.5mm grow in water longer than smaller pearls, therefore they are very difficult to harvest. They have great value for investing, as their value will be appreciate over time.

· 9-9.5mm and up pearl necklace: Ideal for women who are looking for large, exquisite pearls, and who considers herself unique, important, and sophisticated.


Wash your pearls in very mild, soapy water. wipe them with a soft, damp cloth to ensure that they remain free from any harmful buildup. Easily scratched if bumped by other jewelry, cultured pearls are best stored in a soft cloth pouch or in a separate, lined jewelry box. Skin produces acids that can harm your pearls, so if worn regularly pearls should be wiped down with a soft cloth after every wear. 

If you wear your cultured pearl strand several times a week, consider having your jeweler re-string it once a year to prevent strand breakage. Experts advise using silk or nylon thread to re-string pearls, with a knot between each pearl. Should your strand break, replace the entire cord. If the pearls are in graduated sizes, try to keep them on the old cord to maintain the same sequence until they are re-strung.

Trendy Junk Jewelry For Teenage Girls

Jewelry is an integral part of fashion. It is the most important accessory in a girl’s wardrobe. Jewelry tends to accentuate the beauty of a girl. Gone are the days when jewelry was adorned only by adult women. Today there are multiple choices for young teenage girls as well. Many fashion stores tend to create a separate section of junk jewelry exclusively for luring young girls. Such a piece of jewelry can be worn on various formal and informal occasions. Junk jewelry is highly attractive and wearable which is why young girls cannot resist its charm and elegance.

Young girls are cautious followers of the fashion trends. They tend to observe the latest changes very closely in order to update themselves. Teenage girls often prefer jewelry that is compatible with their age in order to retain their vibrancy and funkiness. They would like to have a piece of jewelry that can be worn to suit several occasions. Junk jewelry is the most preferred kind of jewelry by young girls. This often includes jewelries that are made from metal and plastic with beautifully engraved patterns. Junk jewelry even has a varied collection of beautiful jewelry that is made from the assortment of various semi precious stones. The best thing about these jewelries is that these look extremely trendy and cool thereby enabling young girls to make a perfect style statement.

Teenagers usually prefer jewelry that is sober yet amazingly stylish. They do not want to get loaded with extremely elaborative jewelry with heavy intricate designing. Rather they prefer something very light and easy-going in order to intact the simplicity. Metal jewelry is highly popular as these jewelries endorse the “rock star” feeling. Metal jewelry is cool and funky that makes one really trendy. This type jewelry is the new “in” thing among the teenagers. Apart from attractive metal jewelries there are several options available in silver that looks really elegant and graceful on young girls.

Teenage girls symbolize vibrancy and cheerfulness. Considering this, many fashion and jewelry designers have come up with attractive colorful jewelry in order to capture such essence. Junk jewelry is therefore available in varied colors and styles that instantly catch the attention of young girls. Apart from conventional chains and earrings, there are beautiful toe rings and anklets that are really the “hot items” today. Foot jewelry is the latest thing that looks really pretty and youthful. These are widely available at quite affordable prices. Nowadays piercing is very common among the young. Girls are ardent fans of nose rings, belly button rings and eyebrow rings. This type of jewelry however would depend upon individual taste and personality. The girls must make sure that they do not follow the trends blindly and make a complete fool of themselves. They should be aware what suits them in order to avoid fashion blunders.

Junk jewelry is the most apt choice for the young girls as it serves a dual purpose. It looks really trendy, chic and fashionable and on the other hand it is quite affordable at reasonable prices.

Fashion Jewelry – Accentuate Your Look

The fashion world keeps changing its trends bringing something new and different every time. However, you must have noticed that fashion is recurring in nature. The latest style in fashion is the retro style which uses bold patterns and vibrant colors like red and orange. However, many people do not like to dress in bright colors. There is a solution for them also. They can highlight their outfit by wearing any kind of accessory which will give them a different look. Some people like to team up their clothes with a bright red bag or sandals. This gives them a very stylish look. Accessories have taken an important place in the fashion industry these days. People love to buy different kinds of accessories which complement their outfits making them look different. Accessories can be anything ranging from bags, wallets, clutches, belts, jewelry and footwear.

Jewelry plays a major role in completing a women’s look. With the different trends emerging in the fashion and jewelry industry a person has a wide variety of stuff to choose from. However, the recent fashion trend places more emphasis on accessories matching the outfit. Earlier gold and pearl jewelry were in trend with women dressed up elegantly in their gowns and beautiful pearl sets. However, pearls will never lose their charm and are preferred by many women even today. There are many combinations available these days like pearls with silver or gold. Silver jewelry has always been popular and comes in many designs and styles.

Nowadays, girls love to wear funky jewelry which gives them a cool and casual look. It is preferred by the masses due to its different look and affordable prices. Gold and silver jewelry are costly and one cannot afford to buy a huge collection which matches all their outfits. Trendy jewelry can be purchased in a bulk according to the outfits as they are quite affordable. Teenagers generally love to buy jewelry like beaded necklaces and bracelets. They come in various colors and patterns and give a fashionable look. People generally choose bright colors like red and green which can be worn with many types of outfits. You can also buy colorful beads which are very pretty. You can wear them with almost all your clothes.

Fashion jewelry earrings are also very popular amongst girls. There are different types of earrings like dangler earrings, hoops or rings and small earrings. You can choose any according to your outfit. Though there are many types of earrings available diamond earrings will never lose their popularity. Girls love wearing diamond earrings as they give you a classy look. You can also choose the ones which have different types of stones studded in them which give you a fresh and bright look. There are some types of earrings which look very nice when you wear them stand alone. This means wearing only fashion jewelry earrings can also give you a trendy look. Thus, this was some interesting information about women’s fashion and jewelry and why trendy jewelry is preferred by many people.

Passion for Fashion? Becoming a Qualified Modern Fashion Designer

You are in the jewelry design business, and fashion and jewelry has always gone hand-in-hand throughout the ages, from the ancient Egyptians through to the Victorians and to the Hyper-Moderns, Throughout history, people wore complementary clothing and jewelry, reflecting their own particular time, style and culture. The major runway ready-to wear and couture designers today work closely with jewelry manufacturers to provide for new collections displaying “head-to toe” style. In fact most designers have their own jewelry and accessory line to complement their clothing. Think Calvin Klein watches and bracelets, Chanel earrings, Gucci belts, and so on. They offer their customer a complete branded, statement “look”. The first thing then is to promote your own look, as if you were a qualified modern fashion designer. In today’s world of the internet, all it takes to become a huge successful, is good information and confidence in yourself and in the jewelry you represent.

Now, how can you take advantage of the ever-changing tide of fashion with your personal fashion brand? Firstly, know your customer. Take a close look at your clients, if you see them in person. Are they “fashionistas”? Are interested in keeping up with current style trends? What are they wearing? What do they talk about? What are their interests? Are they jeans and t-shirt kind of girls; tattoos and tank-tops? Or are they over-the-top “dress ups”? Are they copying runway looks? Are they asking for particular jewelry pieces to go with a special outfit? Ask your customers about their fashion and style preferences and ask them why they like your jewelry. That will give you a better sense of who you are designing for – and what they like to wear your jewelry with. Then ask them about their next big date or special occasion and find out what they are going to wear. That way you can start working towards a future sale and build an on-going relationship with your customers.