To Have and To Hold with Moissanite Engagement Rings

In 1893 a man name Henri Moissan discovered a naturally occurring mineral, silicone carbide, in a meteor. The mineral became known as Moissanite. Scientists decided to create a synthetic Moissanite and in 1995 jewelers realized the true beauty and value of the mineral as a gemstone. It was at this time that the moissanite engagement ring became a strong competitor for the diamond. In fact, it is such a beautiful competitor to the diamond than many jewelers have difficulty telling the difference.

The Moissanite Engagement Ring: To Buy or Not to Buy

Finances often dictate the amount of money that can be spent on an engagement ring. The largest advantage to the moissanite engagement ring is the cost. While its cost is much less than the diamond, its durability is considerably higher. It is also said to be more brilliant than the other diamond competitor, the cubic zirconia (cz). In fact, the moissanite gemstone is said to refract light and give more brilliance than either the diamond or cubic zirconia. However, when buying a moissanite engagement ring or any other setting style, it is important to thoroughly examine the stone in bright daylight, as some can appear to be slightly green or gray. It is also important to fully understand the store’s return policy in the event that you should reconsider your purchase. Moissanite engagement rings can still carry the stigma of being a “fake” diamond, which gives many the impression that the ring is cheap or a “knock-off”.

The Value of Moissanite When Compared to the Competitors

The moissanite engagement ring has quickly replaced its closest competitor, cubic zirconia engagement ring, for a number of reasons. While Cubic zirconia had been the leading competitor for the diamond for many years, the introduction of the moissanite gem has quickly moved it to third place. There are two types of cubic zirconia, hand-cut and those cut by a machine. While the hand-cut stones are a nice substitute for diamonds, they lack the brilliance of both the moissanite and diamond. It is widely agreed that the machine cut cubic zirconia is a poor substitute for diamonds as many are hazy and lack brilliance. The durability of the three gems cannot be argued; the diamond rates a 10, the moissanite a 9.25 and the cubic zirconia about a 9.0. These numbers that reflect each stones durability are important when buying an engagement ring that will be worn daily. When finances are at stake, there is no argument that a moissanite engagement ring is the way to go.

Keep in mind, that the moissanite is a mineral that has the appearance of a diamond, rather than a “fake diamond”. Instead of thinking of it as a “fake diamond” appreciate the fact that you are buying a moissanite engagement ring and remove the “stigma” completely. Many jewelers now carry this stone and you many consider “ring shopping” with your intended prior to purchase to determine if your bride-to-be would rather have a small diamond gemstone engagement ring or a larger moissanite gemstone engagement ring.

Judge Some Facts Before Exchanging The Money

When you will go traveling, then you have to take the things, which you will need in that place. It is necessary because you will not get the facilities of your home there and you have to be prepared for every situation. But when the matter comes to the visiting of a foreign country, then apart from our excitement we have to think about the thing first is the money. As all of us know that there is variety in the currency of different place. So, we must take the proper currency of that place as we cannot do anything without it. There are some methods, by which you can exchange the money, like the banks, the ATMs or from some brokers.
The banks are the most reliable medium for exchanging the money. You can be assured by the fact that you will get the service authentically. They will systematically exchange the currency and you don’t have to think about it. You can also convert it from the banks of that place also. You will get the same reliable service. But as you are going to a public sector, then it will take some time and you have to wait for it. So, if you don’t have the time to wait there, then you will face difficulty by exchanging through the banks. The banks also charge high rates for converting the money, then it can be expensive for you.
You can take the money from the ATMs also. It is the most convenient medium for getting your cash, as you yourself will draw the money and you don’t have to depend on someone for this. So, you can take the money whenever you needed and it is the fastest service. But there I also the problem, as the ATMs charge a very high price for drawing the money. It will become more expensive for you as you have to pay more than the normal transaction. If you think that you will get the money at a time, then also it will not be safe for you to carry so much money to an unknown place. But with every transaction, you have to pay the charge.
When you will try to go some brokers for Cash Exchange, then it becomes easy for you as you can get the money by sitting at your home. You can do it by online and the agent will come to your home and will take the money from you and will also return it within the given time. It can be a suitable option for you as you don’t have to do anything for the exchanging the cash. But there also can be a problem as the matter is about your money, then you have to be a little careful and have to know about the broker and the agent, who will be the medium of transaction. If they are not reliable enough, then your money will not be safe enough. There is also the matter of the false currency as it has happened in the services like Australian Currency Exchange. So, be careful about every facet of exchanging your money so that you don’t have to waste your money in the wrong place.

Top Five Intra Day Trading Tips To Become A Better Trader

In words of Warren Buffet The stock market is a device for transferring money from the impatient to the patient. Let’s read between lines. The investor or trader who is impatient (frequent buy/sell strategy) transfers money to the patient (holding strategy).

Find below herewith five tips which should be followed by a day trader:

Take advice of professional trader

Before one starts day trading it is better to take advice from experienced and expert day trader trainer. Every trainer will have different teaching method and style. See for one who has good teaching method. He should also suit your trading style. They may be ready to teach in their free time. He may charge the fee. As he is spending his free time with you. But it is worth. You can assume that paid fee as an investment, which you need to get knowledge. They are the best share tip providers when you trade.

In future when you grow big, many newbies’s will come to get knowledge from you. At that time you can charge them likewise.

Gather information from financial news

One has to gather news from across the globe. Segregate relevant news, which affects your business. Analyze and set priority which news will most affect your business. Stay updated on news like meetings, change in government policies and rules. Local, national and international news should be followed.

M&A, financial results, entry/exit of members of BOD, etc. These types of related news of the company one have shares in, make sense.

Though the news does not impact a common man but may have an impact on your investment in the concerned company. This news helps to take a smarter decision, especially while trading shares. Through nifty future tips also one can gather information.

Treat trading as any other business

Take day-trading as any other business. It is not a hobby, but a serious business. It is not for fun that one is in day trading. Like any business, it needs devotion and dedication. Trading is a part. One has to devote a lot of time preparing a plan. Study different charts before coming to any conclusion. Follow news on TV, read business magazines, study reports etc. It is a full day activity.

Keep eye on professionals

One should study professionals. What they are buying, when they are selling. For how much time do they hold the script? Since they have experienced one can learn a lot by keeping eyes and ears open and mouth shut. If one makes mistakes, then analysis the mistake. What went wrong and where? You can find them in many share market advisory companies.

Patience

It needs time, energy and devotion to master the skills. As the old saying goes Rome was not built in a day It was destroyed and then rebuild. This process was repeated many times over. Even if one makes loss he has to get up again for a fight.

Traders do not profit all the time. Many a time they incur losses. So one has to be prepared for losses and have patience during the time of loss. Commodity tips are also helpful to know the market trends.

Today’s successful traders were also novice once in a while. They got success by their hard and smart work. They had put in their efforts, made mistakes, but kept up their learning process.

Financing Your Engagement Rings

All of us want to have the best engagement rings for our wives and fiancées, but a lot of us have to settle for whatever is available because of budgetary constraints. However, there is one way out which can allow anyone to get the best ring for their wife or fiancée. They can easily get the ring financed these days.

A lot of people are not sure of the ways they can arrange financing for the rings. For them, here is a look at some ways for financing their engagement rings.

Using a credit card

Most of the people go for buying their engagement rings through their credit cards. Well, it indeed is an efficient way for financing the rings. The right way to do it is to make sure that you at least make the minimum monthly payment. This will help you to avoid getting bogged by unnecessary credit card interest. Also using a low interest credit card, even if one has to get a new one, can prove to be the most effective way of financing the engagement rings.

Taking a Personal Loan

A personal loan is another popular way of financing the engagement rings. Almost every bank offers a short term loan for financing the rings. It makes sense to shop around a little to get a personal loan with the lowest interest. A lot of people opt to use the engagement ring as collateral, which should be avoided at all costs.

Opting for a Layaway Plan

A lot of jewelers offer a number of layaway plans. It calls for a little planning, but is indeed the safest financial choice. In most cases, the buyer does not have to pay an interest; also such a plan offers the buyers with at least 3 months for paying the cost of the rings.

Contacting a jewelry store employee

Anyone, who has a job at a jewelry store, is offered some fantastic discounts. A lot of employees can actually have to just pay as little as 40% for the price. This means that asking a jewelry store employee for help can actually save at least half the amount of the ring’s price.

Two Important Things

Two important things, no matter how expensive the rings are, they should be checked for quality and it is important to always buy from a respected jeweler.

Lead You To The Authentic Zone Of Money Transfer

If you have an international business and you have to move to many countries for the purpose it is the urgent requirement to find a reliable and efficient money transfer service. Business with any other country will require a resourceful money transfer. This transfer should be fast efficient and safe. Your trade shouldn’t be forced by the variation in exchange rates either. For all these reasons, it is prudent to take the assistance of International money transfer Services available. It will be better to find the reputed and quality one on the internet. It is an internet era and you get different types of information on the internet.
Process Involved
This service helps you find a provider that you are comfortable with. After you decide on the money exchange provider you will need to complete some forms. Once you have established contact, you will be informed about the rules, terms and conditions involved with a deal. Finally, you will be asked to complete some forms to set up your account. You can fix a standard rate for your exchange as well. The whole process is hassle free and once you learn how to go about it, the upcoming transactions will be smooth, effortless and quick.
Exchange Rates
When you wish the inexpensive currency transfer to be done, you should be careful about the rate you choose. With large amount of money a little change can make a big variation for your commerce. When you transfer your money to a bank, they will transfer it at a great exchange rate that you are happy with on the day you have mentioned. Exchange rates promised may differ between agencies that are why you should be careful while choosing one.
Staying in the circle
Most good free currency transfer companies will make sure you are kept in the circle about where your money is. When the transaction is being made, you will be sent a verification message and sometimes even a message. You will be consulted before and after the deal, which assures that nothing can go wrong with the deal. This feature gives you more control over your money.
Expediency and safety
Foreign Exchange is a very expedient way of sending money across countries. When you choose a reliable company, along with good customer service, you will also safer transferring your money. This service is as useful for the common man as it is for businesses. Having an overseas exchange agent working for you is an immense way of saving money. In some websites, you get to check the exchanging rates promised before you sign in to transfer money. This makes it easy for you to select the best in the record.
Currency Exchange near me, this thought is quite wise and intelligent as there is lower risk for the safety of your cash. If you are in Adelaide, you can find a good currency exchange company that has a strong team for a powerful deal of money transaction. A reputed and trustworthy company always offers the better rates and a higher security.

Creatively Financing Your Engagement Ring

There are certain times when you know there is almost nothing you would not do to make the woman in your life happy. One of these times is when you want to purchase an engagement ring. When you present the ring to her, you want it to be perfect. There’s just one little problem.

You are having trouble financing it.

The common rule is to spend two or three months salary on the perfect diamond ring. Of course, if you are listening to the wise words of Michael Scott from The Office, you will be spending three year’s salary.

So, the big question is: how do you afford this once-in-a-lifetime ring?

Financing Your Engagement Ring

If you are preparing to pop the big question but are working with a tight budget, here are some creative ways to finance your engagement ring.

Save on Daily Expenses- While you may think that the extra bit of cash you use to grab your coffee each morning is too small to make much of a difference, it can definitely add up over time. By saving this small amount each day, you can definitely add to your ring budget. To begin saving on daily unneeded expenses, gather all of your receipts for the past month. You may be paying more than you realize for your morning coffee, dining out, pay-per-view channels, and clothing.

Use eBay To Your Advantage-Now is the perfect time to search through your storage unit, basement, and attic and find those unused and potentially profitable items. Place the items on sites like eBay to add a little more money to your savings account. Not great with computers? Try having a good old fashioned garage sale instead.

Sacrifice-For a little while before you purchase the ring, you may have make a few personal sacrifices. If your birthday or a holiday is coming up, ask your family and friends for cash gifts instead of regular presents. With this additional cash in your savings account, you will be one step closer to affording the perfect ring.

Short Term Investments- Need to make a lot of money in a short period of time? Consider investing in a short term CD. Research bank rates online and around your local area for investment opportunities

Sell Gold- Do you have unused broken gold jewellery laying around your home? Maybe you still have that thick gold wallet chain from high school or the broken gold watch your ex-girlfriend gave you in college. Even though it might seem like these are worthless, there are many online gold buyers who would love to pay you for them.

While you are searching for ways to generate a bit of extra money to finance your engagement ring, make sure you have realistic expectations. It may be nice to buy her a ring worth a lot of money, but if you can’t afford it, you may have to choose a ring in your price range. Even if you have to choose a smaller ring now, you can easily replace it in 15 or 20 years when your career has advanced and you are making more money.

The Benefits Of Trading The Commodity Market

Like trading in the Stock market, trading in the commodity market is also very interesting. While one trades on the basis of Stock Cash Tips in the stock market, the trader can trade on the basis of commodity tips in the commodity market. ProfitAim Research is one such advisory firm, which provide both the best Stock Cash tips as well as commodity tips to the traders.
Commodity market seems to be a lucrative avenue to a lot of traders and Investors. In the Commodity market various commodities are traded and one can take benefit of the price fluctuations to trade effectively in the commodity market. Various commodities are listed on the Commodity exchange and the relative prices of various commodities are traded on the exchange. There are various benefits of the Commodity trading like a trader can make huge profits by trying to forecast the Commodity signals. The most important part of the Commodity trading is to anticipate the Commodity trading signals.
Scalping: Intraday Trading Strategy For Commodity Market
One of the important benefits of the Commodity market is that the trader can form a strategy and trade on the basis of it. The Intraday strategies like First hour strategy or scalping techniques can be followed to earn good profits from the trades. Scalping is a technique to look at the price range during the first hour of trade and then look for a breakout from this range. Thus, if the prices break from the high it’s a buy call and a rise in the prices is anticipated. On the other hand, if a breakout from the lower limit of range is observed a down trend is anticipated. Thus, scalping is an important strategy in achieving good profits from the Commodity markets.
Also, there are other strategies available like trading for small profits. In this case small changes in the Commodity signals are generally traded for the profits. Also, a large number of trades are executed to add up to large profits, this will be applicable in Stock cash tips as well. The Commodity trading signals are unassuming but still with a proper plan and a proper strategy good profits can be made through Commodity markets. The trader can also base their trade based on the advice from the advisory firms who provide free Commodity signals initially and then charge a nominal amount for their services. Thus, the Commodity trading is beneficial if done with proper planning and strategy.
Trading based on the Charts
Trading in the stock or commodity market is an art difficult to master. People use various methods and strategies to trade in the stock markets. Trading based on the charts is one of the ways out of them. Various types of charts exist like Candle Stick charts and line charts. These charts can be plotted with varying time scale. The price movement depicted by chart can be an important way of forecasting future prices.
Thus, one can trade on the basis of charts and by applying suitable indicators of the technical analysis, one can anticipate the price movement. Trading on the basis of intraday Stock Cash Tips is the other way of trading.

Does Social Media Help In Getting An Auto Loan?

We live in a world dominated by technology and social media. Whether they are your shared posts, status or your connections, social media platforms play a key role in carving your virtual personality. A well-known fact is that technology is an inevitable yet an integral part of our lives. When it comes to financing your car, social media is building its way and becoming a relevant medium of profiling. For instance, John walked into a dealership to purchase and obtain financing for a car. The quickest and easiest way to search for a tentative background of John would be to get a grasp of his personality on the basis of his behavior on Facebook and Twitter account, respectively. Currently, a small percentage of lenders use social media for judging an individual’s creditworthiness. However, the developing presence of social media is gaining mind share of the lenders.

Can Social Media help in ascertaining the Creditworthiness of an individual?

1) Facebook can build your Credit Circle

The very essence of Facebook lies in networking. A creditworthy profile does not require millions of posts or many friends. However, if you have a genuine profile and do not pose any abnormal social behavior, your profile is likely to get approved for an auto loan. Additionally, the presence of certain contacts in your friend list with a clean history and a strong credit score further add to your creditworthiness. Lenders can look for mutual contacts that have been previous customers. The payment history of the mutual contact can then be used as a basis to judge your creditworthiness. In order to get the most out of your circle, seek a person with a good credit score and make him a cosigner and your auto loan process will become smooth.

2) With LinkedIn, lenders can check your Employment Stability

A stable employment speaks volumes about your personality and trustworthiness. LinkedIn can serve as the best source of obtaining information regarding your job history, duration, professional position and interests. The documentation of an auto loan requires you to display evidence of a source of income through pay stubs. However, there is less proof one can gather regarding the stability of employment. Social media can become a tool to ascertain not only if there is job-hopping, but also the financial strength of the individual. A person with a 500+ connections, long duration of employment history and a considerable profile activity can become a favorable applicant in the eyes of the lender.

Buying a Car: Making the Most of your Social Media Profile

Social media has made its way into the minds of auto buyers as well as lenders. As primary sources of guides, nothing comes above your credit score, current income status and payment history. However, virtual platforms such as Facebook and LinkedIn are starting to occupy mind share in terms of creditworthiness. Once the primary sources of information seem insufficient, lenders may turn to social media to get an idea of your personality. A few helpful ways to make sure your social media positively adds to your credit score is to be careful with your online posts, invite only genuine friends into your virtual circle and to always keep your professional profiles updated.

How To Save Money On Your Two Wheeler Insurance

Tips to save money on two wheeler insurance

Many people in India own two wheelers. It is compulsory for you to buy a two-wheeler insurance policy if you own a bike or a scooter. But can you reduce the insurance expenses? Sure you can! Just follow these tips and you will see a difference.

Avoid making smaller claims: Before you make a claim, see how much the bill amount is. If it is a small amount, pay it yourself. Making numerous small claims will unnecessarily bring down your NCB to zero which will overall lead to a loss.

Attach anti-theft devices: A car insurance plan offers protection against theft and other dangers to the car. So if the car is found to be safe and less susceptible to thefts and break-ins, the insurer will offer a discount on the premium. Therefore look to install some anti-theft devices to the car to not only keep it safe but also to reduce your insurance costs.

Be a good driver and earn No-claim bonus: Driving carefully will reduce the chances of your car getting into mishaps. This will reduce the need to make claims and you will earn NCB. The NCB will in-turn pull down your insurance premium costs.

Renew two-wheeler insurance before expiry: Do not wait for the two wheeler insurance policy to expire before you renew it. If you have a lapsed policy, you may need to pay some fees and fines to get a new plan. So always try to renew the policy on time to save money.

Buy online: It is known fact that insurance bought online is cheaper. So buy a two wheeler insurance plan online and save a considerable amount of money.

Choose the right kind of cover: If you have a two wheeler that you use occasionally or is almost on its way out, opt for a third party cover. If however your bike is used daily and is a valuable vehicle, go for a comprehensive plan. Knowing which cover you need will help you save money.

Deductibles: Every two wheeler insurance plan has a deductible component. This means that as the policyholder, you will have to pay certain amount at the time of a claim and the insurance provider will pay the rest. A high deductible will lower your premium costs and vice versa. If you are confident of your driving skills and feel you won’t need too many claims, opt for a higher deductible. This will help you save money on your two wheeler insurance plan.

Compare: Last but not the least, you most definitely need to compare the available car insurance plans to get the best deal at the best rate. This is one of the easiest and quickest ways to save money on your bike insurance plan. Compare when you buy a new plan or renew an existing one.

Tips on Choosing the Perfect Engagement Ring

When the time comes to pop the question to a loved one, there are many different things to consider. Factors such as where to ask for one’s hand in marriage and the timing thereof are both extremely important however purchasing the perfect engagement ring for the occasion is perhaps on the top of the importance list. There are a few tips which one should keep in mind both prior to and during their engagement ring shopping expedition which will help to yield the best possible result which is that of the perfect engagement ring.

Know What Your Future Fiancée Likes and Dislikes

It is a good plan to have an idea as to what your future fiancée likes and dislikes when it comes to diamonds, jewelry and if possible, engagement rings. Since many do not like to come right out and ask the significant other what type of ring they would like to have and wish to keep it a surprise, they can still hint around and find out what their tastes are in this department. Simple things such as taking notice of their jewelry collection or asking friends and family members for advice on the subject may help the individual to narrow down the options when it comes time to buy the ring.

Have a Price Range In Mind Prior to Shopping

One should also know their intended price range when it comes to diamond engagement ring shopping. This is important for a few different reasons. First, it allows the shopper to focus in on a certain category of engagement rings. Secondly, by having a set price in mind, the shopper will not be tempted to spend above and beyond their limit which may cause problems down the road, especially if they finance the ring purchase. The best way to come up with a desirable price range is to look at one’s personal finances and see how much money they can pay each month if they intend to buy the ring on credit or through a financing plan.

Consider Engagement Ring and Wedding Band Sets

Another tip to keep in mind when shopping for an engagement ring is whether the ring is available with matching wedding bands. Frequently one will be able to find engagement rings and wedding bands which match one another and can be purchased as a set. This will not only look nice once the couple gets married as the bands will match but it may also provide a good deal when it comes to paying for the rings.

Shop Around and Take Your Time

Purchasers of engagement rings should also be sure to shop around at different jewelry locations and take their time when engaging in a purchase of this type. So long as the buyer is not in a rush to buy a ring, it will benefit the individual to embark on this important shopping journey carefully and thoughtfully. Doing so will bring about the best result, which is the purchase of a beautiful engagement ring.