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A Collateral Loan Can Help You Solve Your Financial Woes

Life is full of unexpected turns. For many, these turns mean sudden financial disasters. When faced with these types of situations, having a little financial assistance can really help. This assistance can come in the form of a collateral loan. What Is A Collateral Loan? Collateral is basically a pledge of security. This pledge of security, or collateral, can come in the form of any asset that is considered valuable. Property, collectibles and jewelry are just some of the items frequently used. So in terms of a collateral loan, this is in essence a loan that is backed by the pledged item. In the event the borrower defaults, they also default their rights over the item. For most collateral based loans, the value of the collateral must be equal to the total value of the loan, or at the very least, within a close percentage. Benefits Lower Interest Loans are all about risk assessment. The less confidence a lender has in a borrower’s ability to meet the loan terms, the greater the risk. Higher risks result in higher interest rates. Securing a loan with collateral reduces the lender’s risk. In the event the borrower defaults, the lender can use the collateral to recoup their funds. This reduced risk generally translates into a reduced rate for a loan. Credit Forgiveness If you have had credit difficulties in the past, you know firsthand that this can significantly reduce your ability to secure a loan in the future. Collateral loans afford a renewed opportunity for people that fall in this category. Given the fact that the loan is secured, many lenders are more willing to offer people with less than stellar credit an opportunity to secure the funds they need in the event of a crisis. If you have bad credit, you have a greater chance of approval than with other options. Faster Approval One of the factors that can really extend the time it takes to approve a loan is the investigation process. With traditional loans, lenders thoroughly research your employment history, financial standing and credit history. With a collateral loan, much of this is eliminated. Aside from the basic information, the only thing that has to be evaluated is the value of the collateral you plan to use. For you, the borrower, this generally means that you will have the money you need in your hand much faster. If you are […]

Additions That Give Your Chain Maille Jewelry That Extra Edge

If you have recently started wearing chain maille jewelry, and especially if you like to put pieces together yourself, you’ve likely come across multicolored jump rings that make the pieces look grander or more intricate. Adding more details to chain maille can really make a piece pop, but jump rings aren’t the only materials you should look for. If you really want to start color coordinating your chain maille jewelry with your outfits, look for items containing these three materials. Glass Smooth glass beads add a glossy, full look to chain maille, transforming what could look like plain costume jewelry into a more elegant piece. The glass often has a secondary effect of protecting many of the jump rings from being bent. You still have to be careful how you handle the jewelry, of course, because the glass beads can break if you hit a counter or something similar too hard. But the glass really adds another dimension to the chain maille, and if you create your own pieces, you can often find glass in more colors than you can jump rings. This increases the variety of pieces you can make and buy. Swarovski Related to glass are the faceted Austrian crystal beads from the Swarovski company. Like glass beads, these beads come in many colors and sizes, but their facets make them perfect for being the spotlight or focus points in pieces, rather than having them always mixed into the denser jump ring sections. The many facets on the beads, especially those coated with an iridescent layer called aurora borealis, or AB, really catch the light as the jewelry and you move around. Rubber If you’d rather not mess with breakable materials like glass and crystal, you can also try adding rubber rings to your jewelry, or looking for pieces with rubber rings. These rings tend to be stretchy, making them great for everyday wear or for items you intend to give to kids. You can find chain maille pieces with subdued-color rings or neon. Chain maille jewelry can be so intricate that some pieces can even be appropriate for more formal occasions, but you need to find the right materials. You may want to talk to other sellers who have chain maille to see what other materials they’ve worked into their jewelry pieces. Talk to seller and to jewelry supply companies, like Bead Me a Story , if you […]

3 Things That You Shouldn’t Do When Cleaning Your Luxury Watch

If you want to keep your luxury watch looking great, it’s important to clean it regularly. Due to its location on your wrist, it can be easy for your watch to get dirty throughout the day with normal use, but this dirt and grime can make your once spectacular-looking watch look a whole lot less impressive. There are a few things that you shouldn’t do when cleaning your luxury watch if you want to keep it in good shape, however, so avoid these things when giving your watch a good cleaning. 1. Don’t Use Harsh Chemicals It can be tempting to whip out a good all-purpose cleaner or degreaser to get rid of dirt and grime, but doing so can damage your watch. The chemicals can get into the inner workings of the watch and cause problems, or they may cause damage to the various external parts due to being too strong. If your watch is waterproof or water-resistant, using a little bit of water that has been mixed with a gentle soap can be a good option. Steer clear of the harsher cleaners, though, unless they are designed for use on luxury watches. 2. Don’t Dry It in the Bathroom It can seem natural to clean your watch in the bathroom and then to dry it off right where you stand, but your watch can become slippery in your hands, and the last thing that you want to do is drop it on a hard tile floor or other hard surface. If you are going to be cleaning and drying your watch in an area with hard flooring, consider holding the watch over a soft towel or rung while drying it. Then, if you do happen to drop it, it won’t be as much of a disaster. 3. Don’t Attempt to Polish It Having your watch polished every now and then can help you keep it in good shape and can make it look like new again. However, if you don’t do it properly, you could cause more harm than good. It is actually best to leave this job up to a professional at a company like Hayes Jewelers who is accustomed to working on luxury watches. Then, while you are having your watch professionally polished, you can also have it looked at to ensure that it does not need any type of repair. As you can see, there are […]

How To Style Boho Necklaces

Boho necklaces have a cool, earthy look and typically feature nature-inspired materials, such as feathers, agates and rustic beads. Although bohemian-style necklaces have a laid-back vibe, they also work well with dresses and skirts. The eye-catching jewelry can easily take you from the office during the day to dinner or a dance club at night.  Here are some ways to style your favorite boho necklaces:  1. Beaded Necklaces  If you’re spending the day at a park or the zoo and want to be comfortable yet fashionable at the same time, use a boho necklace to dress up your look. Start with a denim skirt or jean shorts, and top it with a fitted t-shirt or a tank top. Complete the look with simple hoop earrings and a long beaded necklace. Depending on your preference, pick a necklace with either chunky stone or small glass seed beads. Add color to a plain white or black shirt with a long strand of rainbow-colored beads. If you prefer a more subdued look, go for beads in earth tones such as olive green, taupe and brick red. 2. Natural Stone Necklaces  You can accessorize both breezy, flowing tunic-style dresses and long maxi dresses with boho necklaces. Since you’re going for a classier style, pick a necklace featuring a gold- or silver-tone chain in either a medium or long length. Enhance the chain with one, large natural stone, such as a druzy, which is made of multiple tiny crystals that give off a glittering effect, or an agate. A single pendant not only looks elegant, it will become the focal point of your outfit as well.  You can find these stones in multiple colors, including black, clear crystal, pink, purple, green and blue. Again, choose a colorful stone if your dress is a neutral color. You can also go for a monochromatic style by wearing a black stone with a white dress or vice-versa. Since these are natural stones and every one is slightly different, their imperfections are part of their boho-inspired charm.  3. Feather Necklaces If you’re going for an ultra-casual, hippie-inspired look for a music festival or concert, finish your outfit with a feather necklace. Options include long chains with either silver or gold feather-designed pendants, handmade beaded feathers, or real or faux peacock feathers. There are also dream catcher pendants featuring small, dangling feathers.  Complete the look with matching feather earrings or simple hoops […]

Three Customized Jewelry Options To Consider Getting Your Lady Love For Valentine’s Day

On a romantic holiday like Valentine’s Day, you want to be sure that you get the special lady in your life the perfect gift. A great gift is a gift that shows how important the person is to you, is something they will enjoy receiving, and something they will be able to use often. Jewelry is often a great gift to get for a special lady because it can be worn with pride on a daily basis. The following guide walks you through a few trendy fashion jewelry options to allow you to give your leading lady a gift she is sure to treasure and love wearing. Hand Stamped Metal Charms There are now companies that create handmade stamped metal charms that can be worn on necklaces or bracelets. The charms are available in many different colors and sizes to ensure that you can have one made that meets the unique style of your loved one. Be sure to take the time to consider a meaningful symbol, saying, or even picture to have stamped onto the metal so that your loved one can know how much thought and love went into the making of their gift. Birthstone Custom Creations Jewelers can create rings, necklaces, and even bracelets using specific stones to create a one of a kind piece of jewelry that is meaningful and unique. You can choose to have a piece created that has a birthstone for each of your children, for your pets, or even just to represent you and your loved one. The jeweler will let you sit down with him or her and have input on the design of the jewelry to ensure that you are going to be satisfied with the end product when it is done. Picture Perfect Accessories There are also companies that can make pictures onto enamel, stone, or metal to allow you to create a gift that has a specific picture that memorializes an important time in your relationship or in your loved one’s life. Be sure that you choose a photo that has plenty of detail so that it will be easy to see the image after it is created. You can have the image added to charms that are used in bracelets, amulets for necklaces, or even on a broach. Once you have chosen the piece of jewelry that you think would be the best fit for your lady […]

The Best Ways To Wear Gold Jewelry

Gold is a timeless piece that is right for most occasions. If you haven’t worn gold before, you should begin by slowly incorporating it into your wardrobe. That way, you won’t regret that you didn’t choose a different form of fine jewelry to add to your wardrobe. Gold That Blends In Vs. Standing Out The first step is to determine if you would like to wear gold very subtlety or if you would like the piece to stand out. Some pieces are very light and can almost disappear into your hair and skin. This can give you a more modest look. But you may prefer a louder piece that is sculptural or that is combined with other elements, such as beads. Gold And Your Outfit If you wear one piece of gold jewelry, the rest of your jewelry should be less eye-catching so that the gold piece stands out more. To make a statement, make sure that the single piece is large and stands out. If you also dress down with your clothing, while still looking fashionable, less attention will be taken away from your gold jewelry. Even though gold jewelry is dressy, it looks great with denim jeans. If the jeans are flared, one stylish option is to combine yellow and white gold necklaces. Black clothing is usually a good combination with gold jewelry. Gold also matches well with autumn colors since it looks warm. Gold And Leather Leather jewelry combines well with gold because of the texture of the leather. Also, combining gold with leather can create a tribal look. Christian and Jewish jewelry includes pieces of white gold connected by strips of leather. Wearing Gold In A Professional Setting If you’d like to wear gold in a professional setting, gold watches are a good choice because the presence of a watch symbolizes your professionalism and focus on punctuality. Gold watches pair well with a silk, white blouse. If you’d like to continue to wear a gold watch in a casual setting, it can pair well with a polo shirt and jeans. Wearing Gold In An Outdoor Setting One of the advantages of gold is that a well-made piece can be very durable. Therefore, if you are an active person who frequently engages in activities such as going to the beach, a gold piece of jewelry can match your swimsuit well, though you should take it off if you […]

Four Types Of Beads To Have In Stock This Spring For Jewelry Making

The anticipated trends for jewelry are all about layering: relaxed silhouettes with layered necklaces and layered bracelets. Even stacking rings are being used to layer rings on fingers. That means that you’ll want to make sure that your store has plenty of available beads to meet the demand. If you’re looking for some ideas on what to buy to entice your customers this spring, here are some good suggestions. Lepidolite  Lepidolite beads are highly popular among those who make homemade jewelry. Lepidolite has a variety of hues, including pink, blue, and a very prized purple called “lavenderine.” It is actually a type of mica. The mica gives even smoothly polished beads bright little flecks and sudden bursts of light that sparkle with movement. Metaphysically, lepidolite is used to help with immunological disorders and is supposed to calm down stress, reduce anxiety, and balance out emotional issues. Lepidolite is often priced according to its quality, with gray-toned beads being less expensive than those with a considerable amount of fire. Moonstone Moonstone beads offer jewelry makers another multi-hued stone that they can use to help create a delicately layered look. According to legend, moonstones are made of solidified moonbeams — an idea no doubt that arose from the way that light scatters when it strikes the surface of the stone in an effect known as adularescence. Adularescence is actually caused by the presence of layers of feldspar in the stone, giving it a milky hue. You can get beads that are mostly white, others that are predominantly blue, and some that have a rainbow effect, although the price tends to rise with the amount of color that’s in the stones. Because of its association with the moon, this stone is supposed to help with pregnancy and childbirth.  Opalite Opalite is actually a manmade glass that is used for jewelry making. It was designed primarily to take the place of natural opals in modern jewelry — since real opals are far too fragile to be made into beads. Opalite has a striking milky blue glow that is absolutely stunning when it is against a dark background. It is thought to help those who are trying to learn meditate and enhance dreams. One of the benefits of opalite is that it is very inexpensive — which makes it more affordable than some other stones. Moonstones with a similar amount of luminosity, for example, would be […]

Important Tips For Beginner Coin Collectors

Collecting coins can be a richly rewarding hobby and can also be a great way to make sound monetary investments. If you are considering this hobby, taking the time to learn more about it is important to avoid making costly mistakes. Check out these tips about how research can help you become a successful coin collector.  Grading Is An Important Determining Factor About Coin Value When you find a coin and you wonder if it is worth anything, you may decide to have it appraised. Coin collectors that appraise coins follow a grading scale for helping to determine the overall value of coins. The scale is numerical (1-70) and uses certain words for describing particular coins and their condition. For example, the coin you have may be graded as fine with a coinciding numerical description of 15 and F-12. Studying the grading guide used by appraisers can help you make better choices about the coins you decide to collect. Be Prepared For Investing Time For Realizing Your Investment If you purchase a collectible coin from a coin dealer, be sure to remember the amount you pay for it includes the mark up from the dealer. Coin dealers make their money by marking up the cost of a coin over its actual value, so be sure to ask the dealer you purchase from the actual value of the coin before markup do you will know its actual monetary melt value on its own.  The melt value describes how much a coin is worth if it was melted down. Why You Should Get A Second Opinion When you take a coin to have it graded, be sure to always have a second appraisal done for verifying accurate data. In this way, if you decide to sell the coin, you can offer proof of value authenticity to your buyer. Rarity And Demand: Determining Factors In Your Coin’s Value Coins that are rare can have a greater value than some others because there are not that many in existence. In some cases, few of certain coins were minted, making them worth a lot more, even more so if they are in excellent condition. Also, if the demand is higher for a particular rare coin, you have better chances of it being more valuable. Coin collecting can be a lot of fun, but making sure you take the time to learn more about it is […]

Three Tips For Finding The Most Beautiful And Valuable Antique Jewelery

Many pieces of antique jewelry are not only beautiful, but also worth quite a tidy sum. Whether you’re looking for antique jewelry to add to a personal collection or to sell for profit, here are a few tips to help you find the best pieces. Scan local newspapers for estate sales. When someone passes away and the items in their estate are sold off, there’s often a lot of jewelry available. Keep your eyes on the local newspapers for estate sale listings, and make note of any that are occurring due to the passing of a female, since women tend to leave behind more jewelry. When you find a listing that seems promising, make note of the time the sale starts, and then arrive an hour or two early. If the estate salesperson is already on site, they might let you in early if you ask politely. If not, at least you’ll be one of the first ones in the house when the sale officially starts. Then, you’ll have first pick of the estate jewelry. Make friends with the pawn shop owner. Many pawn shops end up with antique jewelry, but since these items are in such high demand, they may fly off the shelves before you have time to check in. This is why it’s so important to make friends with your local pawn shop owner. Introduce yourself, and let him or her know that you’re always on the lookout for antique jewelry and are willing to pay in cash if the shop owner would just hold it for you when it comes in. If you’re looking for specific types of jewelry, let the owner know so they don’t waste their time holding pieces you end up not wanting. Post classified ads online, and let sellers come to you. Many people who are selling more expensive antique jewelry may not want to post a classified ad online, since they don’t want to have to waste time fielding emails and messages from non-serious buyers. However, if you post a classified ad alerting potential sellers that you’re looking for antique jewelry, then you make things easier on sellers — they can come to you. Be specific in your ad, so that only buyers who have the type of jewelry you’re looking for respond. Of course, keep safety in mind when meeting potential sellers about pieces they are selling. Tell someone where […]

Common Ring Issues And How They’re Fixed

Rings are beautiful pieces of jewelry that can symbolize love, but they’re also one of the most delicate and frequently worn out pieces of all. With so many intricate details on a ring, it’s no wonder that the small parts and pieces can become broken, damaged, or worn over time. The three main parts of a ring are the stone, the setting, and the band, and each can come with its own set of issues. Here are the most common issues you might face with your ring and what your jeweler can do to fix it. Stone Problems Even though diamonds are the hardest stones, they’re not immune to getting scratched or damaged. Other gemstones like emeralds and rubies are even more prone to undergoing some kind of issue as time passes. If your ring’s stone is showing scratches, the jeweler can usually polish them out. Even small chips can be polished away when a special tool is used. Certain stones that have deeper cracks or signs of inclusions can be more prone to cracking or breaking, so you should always consult a professional before you attempt to do any polishing on your own.  Setting Issues Most gemstones are held onto the ring with a tiny set of prongs. These prongs can bend over time, causing the stone to become loose and you can also run the risk of it falling out completely. Keep a close eye on your ring and make sure that the prongs are tight and secure. If you notice that the stone is coming loose, it’s most likely a result of one or several of the prongs becoming bent or loose. Make sure you take the ring to your jeweler as soon as possible and they can re-tighten or even replace the prongs if they need to. Thicker prongs can be added to give more support to the stone.  Problems With The Ring Band Since rings are worn on your fingers, it’s not surprising that the bands can get scratched up over time, or even nicked. This is usually just a result of every day wear and doesn’t detract from the beauty of your ring in most instances. If you like, the jeweler can polish out any scratches or nicks seen on the band or they can recoat the ring to add another layer of metal over any existing damages. Regularly polishing your ring can help […]