Garner Compliments Wearing Rose Gold Jewelry, the Latest Jewelry Trend

Rose gold jewelry, this is appearing since the past 2 to 3 years. This is a blush color metal and has gained prominence during spring and summer. This trend as gold fixtures is bought even as a gift. Today, this precious metal is widely used and women, you must have at least one in your collection.

Adding rose jewelry into your collection means find the pieces of jewelry that look good and go well in combination with your yellow gold and silver jewelry. The gold jewelry looks nice, regardless of the style or metal. Having a personalized rose ring stack is fun. These minimalist competing bands are now available as motifs and in varying thicknesses that it can be a statement ring that is less expensive yet appears dazzling with gemstone studded. The color braided gold band makes it very special.

How it is Made

First, Rose gold appeared in Russia as copper infused metal was incorporated in the jewelry designs by Carl Faberge, the well-known jeweler.

Rose actually is not available directly from the nature. As already known, the pure gold is in same color and the jewelry color changes only owed to the mixing of alloys or other metals. The metal mixing ratios change the gold color.

The metal receives its colors on mixing copper alloys with pure gold and silver is also added in small amount. The mix having more copper means the jewelry shows redder and the one with less copper comes in pink color.

The typical 18k modern-day rose looks featuring gold to 75%, silver 4% and copper to 21%. The fact is that as the content of silver reaches to 5% or closed, you will notice gold appearing more of pink in color.

The beauty of rose jewelry is that it offers a comprehensive look and the jewelry looks simple, yet stylish garnering compliments from your neighbors, love, coworkers, friends and relatives.

Rose Jewelry prominence

Copper is an alloy. Owing to the high copper content only the rose gold jewelry emerges and as the fact is that copper with age gets darker and over time less rosy. The jewelry appears vintage inspired, but certainly is a style statement.

Today, the market has rose jewelry in lots and there are designers trying to bring different styles using this hue of gold. The purple gemstones fit in soft pink makes the rose look stunning and reflect your skin glow.

The necklace pendants in rose gold also look amazing. Rose gold was used in the Victorian era in the pendants and today is a bohemian style. If you are a person loving antique jewelry, turn the gold into some jewelry piece of your taste. Even if a rose jewelry is broken, you can wear it as a brooch or a stickpin, it will shine. The rose gold jewelry is recognized as personalized jewelry offering a feminine touch and charm. Use it for your Zodiac sign and use it as charm pieces in your jewelry, in the necklace or ring, it is sure to look beautiful.

Beachfront Vs Inland Real Estate Ownership In Miami

Miami real estate is one of the fast-selling and bought after pieces of real estate in the market nowdays since it is considered by many to be one of the best places to live or vacation in.

One of the reasons as to why a lot of people would like to invest on a real estate in Miami is because of all the other things that people will be getting when they do decide to purchase a real estate property in Miami. These Miami real estate owners know that they are not only getting the property, but they also get to benefit from all the other things that goes along with the property, such as the pristine beaches and the culture in Miami.

Owning a real estate property in Miami can be a real treat, especially for people who are very much into the whole Miami culture and lifestyle. However, there are a lot of real estate property types to choose from, ranging from condos to hotels. Although there are a variety of real estate properties in Miami, two of the more ideal property types that people can purchase are the beachfront and inland real estate properties. These two property types are very different from each other, although they both offer great real estate properties for potential buyers. In order to be able to decide which one bests suits your taste, you need to know what makes each of these properties unique.

One of the things that make the two property types so different is the aesthetic aspect that these property types offer its potential investors. Of the two, the beachfront real estate properties offer the better esthetic quality since the property is situated along the coastline along the coast of Miami.

These beachfront real estate properties is made more beautiful by the fact that the beaches that made Miami so bought after and popular is the backyard of such properties. All you need to do is look out your window and you can see the beaches that draw such diverse crowds into Miami.

Inland real estate properties, however, although are beautiful in their own right, still can not match the aesthetic beauty that the beaches add to the different beachfront real estate properties. It is one thing to have a beautiful house with nice amenities in a nice neighborhood, but it is another to have white sandy beaches very close to your home.

Another thing that differentiates these two property types is the level of their appeal or popularity with the different investors and potential buyers of the real estate properties. Beachfront real estate properties are moreought after than inland real estate properties since these beachfront properties are very close to the beaches, which is the major reason for its appeal. Inland properties may be closer to other structures, but people do not wish to live or vacation in Miami because of the malls and the stores in the city. People wish to come to Miami mostly for the beaches.

Although both real estate properties can be used by its owners to earn profit, especially if they do not intend to live in Miami permanently, beachfront properties are still the more popular choice for people who want to rent out condos or houses in Miami, especially for those people who are just vacationing. Vacationers go to Miami for the beaches, and if they are able to live near one, then the better it is for them.

Whatever real estate property you may choose to buy, it is important to remember that these types of properties, especially if they are bought after in the market, may cost you a lot of money if you plan on investing on Miami real estate. However, inland real estate properties tend to be more reasonably priced, as compared with beachfront property types. The high cost of owning a beachfront property is the price that any potential buyer have to pay in exchange for all the perks that goes along with the property.

Vanessa A. Doctor

http://miamirealestateinc.com

Cheap Holiday Deals to Stalis Provide Perfect Holidays For All

Family holidays to Stalis are about as popular as couples holidays, beach holidays, 18 – 30′s holidays, and mature holidays to Stalis. In fact, it is difficult to find a group that can’t appreciate holidays spent in Stalis. Greek island holidays seldom have as much to offer visitors as you will find in the resort of Stalis-a resort that offers a little bit of everything you could possibly want from a beach holiday and a little bit more.

First of all, you should check out various package holidays to Stalis. You might be able to learn a little more about the possibilities that holidays to Stalis present for the entire family simply by taking in the long list of package options that are available to you. More importantly, in these economic times, packages are a great way to make cheap holiday deals to Stalis and other locations on Crete.

The nightlife in Stalis is rather lively though not nearly as dominating as the nightlife and club activities are in Malia. Stalis is a more well-rounded option for holiday fun than those resorts that are designed to appeal to party crowds or even those that attract more mature holiday crowds. What you have in Stalis is a healthy mix that makes it a worthy choice for family holidays.

The beaches of Stalis provide excellent opportunities for families that enjoy beach holidays and are content to spend the entire time on the beach. There is much more to this charming resort than a few beaches though so you don’t risk running out of things to do. Popular excursions to enjoy from Stalis include mini trains to Malia, boat trips to Santorini, and the traditional villages that can be found further inland. Greek island holidays are about experiencing the best Greece has to offer. Don’t miss out on the cultural treasure chest waiting for you away from the primary resorts.

Cheap holiday deals to Stalis are a great way to enjoy the very best of Crete. Don’t miss out on package holidays and prices that are lower in price now than they have been in years. Family holidays to Stalis may be the perfect way for you and your family to enjoy Greek island holidays. Make your plans today and you could be enjoying the beautiful views and gorgeous waters of Crete before you know it.

Life Insurance 101, An Explanation of Various Types of Life Insurance

TERM LIFE INSURANCE – Life insurance for a set number or years. You can choose from 5 to 30 year terms. No cash value, if you die during the term you collect the death benefit. The policy dies after the selected term has ended and you receive nothing unless you have a, return of premium rider or you convert the policy to some form of permanent insurance.

RETURN OF PREMIUM TERM INSURANCE (ROP) – A term insurance policy that returns all or a portion of premiums paid at the end of the term if the death benefit has not been paid.

SIMPLIFIED TERM INSURANCE – Term insurance which uses a simple application. Underwriting is done electronically. No underwriting requirements by the applicant unless red flags arise out of the electronic underwriting process. Policy is usually issued much quicker than regular term. There is a limit of death benefit for this type of policy ($350,000 or less) depending on the insurance carrier. This type of policy is generally more expensive because of additional risk by the insurance carrier. Less underwriting =more risk.

CRITICAL ILLNESS INSURANCE – Applied for as a stand-alone policy or as a rider to another life insurance policy. Pay immediate benefit for a covered illness even if death does not occur.

ACCIDENTAL DEATH INSURANCE – Pays benefit in event of a covered sudden accidental death. Applied for as a stand-alone policy or as a rider to another form of life insurance.

MORTGAGE PROTECTION INSURANCE OR DECREASING TERM INSURANCE – Term insurance that pays the balance of your mortgage should death occur. The amount of death benefit decreases to match the amount owed on mortgage. The insurance is set up to end at the same time your mortgage is set to end.

UNIVERSAL LIFE INSURANCE (non variable) – Flexible premiums. Can be a permanent insurance as long as premiums are paid and policy is funded properly. Investment policy in which risk lies with insurance company.

Has a minimum guaranteed interest rate which differs by company. This policy has the ability to gain contract value. The death benefit can be set to level (death benefit stays the same throughout) or increasing (death benefit increases as contract value rises). You may obtain loans or make withdraws but you must be careful, if the policy is not funded, it will collapse.

VARIABLE UNIVERSAL LIFE INSURANCE – Agent must have securities license to sell. Very similar to non-variable universal life. The difference is that the policy owner assumes investment risk. There is no guaranteed interest rate. Policy can collapse if investment does not do well and policy is not funded properly.

WHOLE LIFE INSURANCE – Simply put, you pay the premium and the policy will last your whole life. You usually have an option to borrow against the policy, amount depends on the value of the policy. This type of policy is usually much more expensive than the universal life policy.

GRADED BENEFITS WHOLE LIFE – Partial or no benefits paid until a named or tiered waiting period has passed. If you die before the waiting period has passed, you usually will receive the return of your premium payments with some sort of interest.

FINAL EXPENSE WHOLE LIFE INSURANCE – This type of whole life insurance is aimed at burial and funeral expenses and other final expenses. Usually, no medical exam required and death benefit is limited to $50,000 or less.

SINGLE PREMIUM WHOLE LIFE – This whole life policy is paid for by a single lump sum payment. In return the beneficiary receives a larger death benefit than the payment.

THINGS TO CONSIDER: You may be interested in mixing and matching different types of policies. For example; There is a need for 500k immediately. As time goes on, the kids have graduated college and are out of the house, the house is almost or totally paid off. Now the need is less. In this example you may want to purchase a 330k universal life and a 20 year 200k term. This plan will save you money and still protect your family for life.

Or, you may want to mix term, critical illness, accident, universal life, or whole life in various ways depending on your needs.

RIDERS:

Waiver of Premium Rider – pays life insurance premium if you become disabled and can’t work. There is usually a waiting period and rider usually expires at age 60 or 65.

Critical Illness Rider – Rider is explained above.

Return of Premium Rider – Rider is explained above.

Guaranteed Insurability Rider – this rider allows you to purchase an additional amount of life insurance at a later date without having to prove insurability again or take another medical exam.

Term Conversion Rider – allows you to convert a term insurance policy into a permanent policy without proving insurability again.

Accelerated Benefit Rider – this rider is only for permanent life insurance policies. This rider is usually included automatically for free. It allows you to collect a portion of your policy’s death benefit if you become terminally ill with a short life expectancy, usually one year. The portion paid out is subtracted from you policy’s death benefit.

Accidental Death Benefit Rider – This rider pays in addition to the death benefit if you die from an accident.

Child protection Rider – Usually used to pay final expenses if the unthinkable happens. Often, at a nominal cost and purchased in units of $1,000.

UNDERWRITING: requirements depend on insurance carrier, type of policy, amount of death benefit, age, build chart, gender, medical history, medications, family history, motor vehicle report, and other factors.

An application is always required, although, non-medical policies usually have a simple application.

Requirements could be: Paramed (certified medical processor or nurse comes to your place of choosing, takes you through a medical questionnaire, measures your height and weight, takes blood and urine sample, possibly EKG either resting or non-resting), Medical information from your physician or hospital, Medical exam, etc.

HEALTH CLASSES – Typical health classes would be, Preferred Best, Preferred, Select Standard, Standard, and then different nicotine classes such as, preferred nicotine, select nicotine, and standard nicotine.

It is possible to be rated less than standard depending on health and underwriting factors.

You must qualify for a health class. This is chosen by the underwriter after the underwriting process is complete. The agent can only quote you the different health classes but this can change with the underwriting process.