Mortgage, Loans, Insurance, Real Estate, Investment, Tax and Financial Services
Develop Your Domain Names
How to Clean Your Jewelry at Home or Work
It looks like a million dollars but after a couple of months it doesn't have the same 'Sparkle' or look it once had (a bit like me really).
So what are we to do?
The first thing is to make sure it is SAFE to be cleaned!
Naturally, delicate items should be best left to a professional Jeweler to clean. BUT Opals, Pearls and Emeralds are very susceptible to damage in a Jewelers Ultrasonic cleaning tank, as it can loosen pearls from their mounts and breakdown Opal and Emerald quite easily.
SOLUTION: Clean them yourself! BUT VERY GENTLY.
Make up a solution of Washing up liquid (Clean of course, not after doing the Sunday dishes) and use an old Toothbrush and carefully clean around the mount, using the bristles of the brush to get into the setting and CLEAN BEHIND THE STONES.
But beware as too much pressure could 'Pop' the stone out of it's setting, so if in doubt - take it out (of the bowl I mean).
Yet even this has a good point. If you lost it somewhere other than the washing process, not only would you probably never find it, you'd be very annoyed at me for suggesting such a thing in the first place.
However; if the stone came out in the wash, it would prove that the setting was so worn it would have come out sooner or later anyway, so better to 'catch the falling star' as it were, and get your local Jeweler to reset it safely back for you.
See, I just did you a favor... no need to thank me just yet.
Let's continue....
Don't have the water too hot and certainly don't leave the items to soak all day. Pearls are generally only glued onto your Jewelry (rings, brooches etc) and if the item is a few years old (say over 20) then the glues used then were not as good as they are today. A couple of minutes should be enough.
Dry everything on a paper towel in a warm area (under a sun drenched window is perfect) and finally buff up with a soft cloth and check everything before you wear it again.
It should look good for another few months.
By the way: In General terms, the only difference in the cleaning fluid used by your Jeweler or purchased from a proprietary Brand would be Ammonia!
A small cap of Cloudy Ammonia bought from Coles or Woolies or your local Supermarket, mixed with washing up liquid is a terrific cleaner. It smells a little but the results are perfect!
DIRTY DIAMONDS?
Just to continue from the previous section:
Most of the white colorless gemstones used over the past hundred years or so as Diamond Imitations or Simulants, were either Paste (Fancy name for glass) Spinels or White Sapphire (corundum) and occasionally Zircon (Not to be confused with Cubic Zirconia CZ's which is quite modern).
When you first purchased your beautiful ring it glistened like diamond, but slowly became duller and duller.
Ladies, you are to Blame!
Hand Cream is the biggest culprit of them all as it gets under the stone and dulls it.
Wearing your Jewelry while Gardening doesn't help much either and you certainly shouldn't wear your rings while doing the washing up (all that grease sticks to the stone).
This is one of the major 'Properties' of a Diamond.
Just clean it in the same solution as we suggested above and brush it with an old toothbrush. It will return to sparkling quality in no time.
Once every few months is perfect, so don't over do it.
There are several other SPECIAL REPORTS available through our eMail-on-Demand subscription box at the website, so please take some time to visit.
There is a timely warning on Security issues. It's good advice, plus there is some great tips on Investing in Jewelry, Insurance guidelines and other notes on selling, Hallmarking tips etc, and they are being added to all the time.
And the best bit is they are FREE....
Thank you for taking the time to read this special report. If you thought it interesting, useful or found it helped you in any way I would appreciate your comments via email at the address shown below.
This is my personal email address and I read every comment - good or bad.
Alternatively: why not pass it on to a friend. I'm sure you can think of someone who might benefit from this useful information. Treat it as doing me a big favor. I will certainly appreciate it.
Thank you. As usual....
Take care and watch the road.
Kind regards. David Foard F.G.A.A.
Resident gemologist/valuer at the Online Jewelry Appraisal Center.
P.S. There are many other complimentary Reports available to you at our website, or if you haven't yet done so, you may like to subscribe to our email-on-demand Newsletters - the Antique Jewelry Guide - full of Hints - Tips - Secrets and Articles in every issue.
About The Author
David Foard is retired ("Ha..." he laughs). He is working harder now than at any time in his life, especially over the 30 years he spent in the Antique Jewelry Trade as a qualified gemologist and member of the Valuers Council. Now he concentrates on the three 'R's of 'Reading' Ritin' and re-ritin articles, courses and producing free reports and information at his website.
Get all the info now by going to http://www.online-jewelry-appraisals.com and follow the links at the Online Jewelry Appraisal Center.
Student loan consolidation with federal debt program
If you are a college student (parents please take note), this Federal Government program can help you cut monthly payments on your student loans. You can consolidate now and lock in a low fixed rate. When you consolidate student loans with a Federal Consolidation Loan, you not only can take advantage of these low rates, you can lock in that rate for the life of your loan.
One easy process, one low fixed rate, one low monthly payment, one lender. This is a free U.S. Government program (no fees or other charges). Really Great Rate is an authorized agency for this program - you can check your eligibility in a minute or two, with no obligation
Home Equity Loans: Expert Tips and Advice
Get expert advice, tips, and timely information. Manage your own Real Estate and Investment Portfolio to generate an income so you can take control of your financial life and do the things you want to do.
MORE ARTICLES:
Low Rate Home Equity Loans - Refinancing For A Shorter Term And Better Rate
Looking for a better rate is a common reason people choose to refinance their home equity loan. But did you know that shortening your loan term can save you more money than reducing rates? Combine the two and you will save yourself thousands in interest costs and trim years off your payment schedule.
Refinancing Your Home Equity Loan Or Refinancing Your Home Equity Line Of Credit
Ask yourself these questions before you refinance your home equity loan or line of credit:
Cash Out Refinance Mortgage Loans – Home Equity, 2nd Mortgage or Cash Out Refinance Loan
There are some definite benefits to doing a cash out refinance. Just make sure that overall you are not going to be spending more money in fees and interest doing a cash out refinance as opposed to a home equity loan.
Mortgage Lenders Finally Slash Mortgage Rates | Mortgage Expert
In the wake of last weeks shock announcement by Bank of England of a 1ý% interest rate drop from 45% down to 3%
Loan Application Mortgage Rate Calculator for your Mortgage Loan
Are you thinking of purchasing land, a piece of property, or your dream house? Then maybe you have considered applying for a mortgage loan. If you have already decided that you are getting a mortgage loan, then let a loan application mortgage rate calculator help you.
Home Mortgage Lenders - How to Find A Good Mortgage Broker Online
Mortgage lenders have set up shop online, but they aren't all reputable mortgage brokers. To find a good mortgage lender you need to compare rates and research to find reputable companies.
Adjustable Rate (ARM) Mortgage Holders Should Refinance to Fixed Rates, Recommends the Katz Mortgage Team
Katz Mortgage Team, www.KatzMortgageTeam.net, of Amtrust Mortgage Corporation, has announced that Fixed Mortgage Rates are now at their lowest point in over a year. They are officially changing their recommendation from "HOLD" to "REFI" for many of their clients who took advantage of the extremely low adjustable rate mortgages of 2002 and 2003.
A secured bad credit home mortgage loan comes with reduced interest rates
A secured bad credit home mortgage loan comes with reduced interest rates
Refinance Mortgage Rate and Mortgage Rates
Refinance mortgage rate is the best rate available to qualified homeowners for refinancing their current home mortgage. Refinance mortgage rates vary from product to product and customer to customer.
Bad Credit Home Loan Mortgage Services - What To Consider When Applying For A Mortgage
Most new homebuyers are unfamiliar with how mortgage loans work. Because of this, several people accept bad loans. This results in homebuyers paying more than necessary. If you have bad credit, accepting a mortgage with good terms is a must. Many lenders prey on those with bad credit. Their objective is to charge higher fees and boost their profit. Before applying for a mortgage loan, consider the following factors.
Mortgage Loans, Construction Loans, Refinancing Mortgage Rate
TheLoansStore.com was created with the interests of the consumer in mind. If you have ever wondered if owning your own home or refinancing your current home would be possible, dont wonder anymore. From new Construction Loans to Mortgages Loans, Bad Credit Home Loans and Refinancing Mortgage Rate. Whether you have great credit, marginal or bad credit, theLoansStore.com can help. We know one size never fits all borrowers.
Newest Rate and Payment Mortgage Calculators for Home Loans from The Mortgage Store Online
The Mortgage Store Online (TMSO) today released its complete set of free home mortgage loan calculators on their website at themortgagestoreonline.com. These highly accurate mortgage calculators use current and true rate information to give borrowers the most realistic mortgage payment calculations.
Refinancing With A Second Mortgage Or Home Equity Loan
If you're looking into refinancing your home and have a second mortgage or a home equity loan or line of credit, in some cases you may be out of luck
If you want to refinance your primary loan, you first must convince the lenders holding any second position loans to agree to continue to be in a subordinate position behind the new primary loan
Home Equity Loan Broker Awarded Preferred Mortgage Broker Status for Second Consecutive Year from IHE
For the second consecutive year, BD Nationwide Mortgage Company was awarded "Preferred Broker" Status from Irwin Home Equity for home equity loans and 125% second mortgages. IHE announced last week that BD Nationwide was extended this award for their exceptional level of expertise for home equity loan origination. The preferred status gives BD Nationwide a significant edge because they are one of the few mortgage brokers in the country who can offer large home equity loans to a 125% loan to value. Most lenders and brokers are restricted to $50,000 or $75,000 loan amounts but BD Nationwide is able to offer these high LTV second mortgages for loan amounts ranging from $100,000 to $200,000 to qualifying borrowers across the country...
Interest Only Home Equity Loans Featuring a Fixed Second Mortgage Rate from BD Nationwide
BD Nationwide Mortgage introduces an affordable only home equity loan that features an interest only payment option with a fixed rate. This second mortgage allows borrowers to get a fixed mortgage rate while also benefitting from a reduced payment and increased cash flow. Homeowners have the luxury of converting their home equity line of credit into a fixed rate second mortgage while keeping the interest only option. BD Nationwide has released several new second mortgage products in 2006 that have offered additional "cash out" opportunities for homeowners without requiring them to refinance their existing first mortgage.
