Before you start shopping for diamonds, consider dealing with a bonded jeweler. Bonded jewelers sell bonded diamonds, and there are very few bonded jewelers in the world. In fact, out of all of the jeweler’s in the world, only about 5% of them are bonded. Buying a bonded diamond will cost more than buying a non-bonded diamond, but when you look at what you get with the bonded option, you will see that it is well worth the extra expense.

First, bonded diamonds have a buy back policy for the life of the diamond. No matter how long you have had the diamond, you can take it back to the bonded jeweler and sell it back to him or her, for a 100% refund. If a jeweler does not offer a 100% buy back guarantee, for the life of the diamond, then you should take a closer look at the diamond to see what is wrong with it.

Bonded diamonds also have a breakage policy. If the stone breaks or chips, the bonded jeweler will replace it with a new one – one time. No jeweler would ever offer such a policy on any stone that was not 100% natural, so just the offer of such a policy should give you piece of mind concerning the quality of the diamond. Bonded diamonds are natural and untreated.

Bonded diamonds increase in value, with a fixed appreciation rate that is designed to keep up with inflation. This means that a diamond that is worth a certain amount of money today will be worth more in the future, as the price of diamonds continues to rise. This generally does not apply to buy backs, however. It typically applies to trade-ins.

Alternately, by purchasing a bonded diamond, you are protected against the possibility of a market crash. If a market crash occurs, the value of diamonds will drop. However, the bonded jeweler guarantees to refund you the difference between what the diamond is now worth and what you paid for it before the market crash.

It may be difficult to find a bonded jeweler in your area, but if you can, this is who you want to deal with, as opposed to dealing with an un-bonded jeweler. Specifically tell the jeweler that you are only interested in bonded diamonds. You can find a bonded jeweler in your area by using various online resources, or by calling the local jewelry stores.

Insuring a diamond takes a bit of thought, planning, and shopping around. Diamond insurance isn’t like purchasing car insurance. It is quite different. Depending on the state that you live in, there are basically three different types of policies that will cover diamonds, and all insurance policies that cover diamonds are considered Marine type policies.

The first type of insurance policies for diamonds is an Actual Cash Value policy. If the diamond is lost or damaged beyond
repair, the insurance company will replace the diamond at today’s market value, no matter how much you paid for the diamond to begin with. This type of insurance policy for diamonds actually is not that common.

The most common type of insurance for diamonds is Replacement Value insurance. The insurance company will only pay up to a fixed amount to replace the diamond that was lost or damaged beyond repair. This does not mean that they will pay that amount – it means that they will pay up to that amount. In most cases, the diamond can be replaced at a lower cost.

The third type of coverage offered for diamonds is Agreed Value. This is sometimes called “Valued At.” This type of
coverage is very rare. In the event that the diamond is lost or damaged beyond repair, the insurance company simply pays you the amount that you and the company agreed upon. This is the best type of insurance to have, but it is rarely offered. If you can’t get Agreed Value coverage, Actual Cash Value coverage should be your next choice.

Your rates will be determined by the value of the diamond, the type of coverage that you select, and the area that you live in. If you live in an area with a high crime rate, you can expect to pay more for your diamond insurance coverage. It is important to remember that insurance agents are not qualified jewelers, and jewelers are not qualified insurance agents. It is best to get a certificate for your diamond, and to provide the insurance company with a copy of that certificate. This leaves the insurance company less room for arguments over the actual value of the diamond.

Don’t rely on separate coverage to cover your diamond. For instance, if you diamond is stolen from your home, it is probably covered on your home owner’s insurance policy but the diamond probably won’t always be in your home, and once it leaves your home, there is no coverage.

However, you will be amazed at how many people fail to get around to sending in the information for their rebate. Most offers have a set time frame so it is a good idea to get the information in the mail as quickly as possible. They either don’t want to mess around with the process or the simply forget with so many other things taking place in their life.

Since it can take weeks to get your rebate in the mail, it is a good idea to keep a file of the rebates you have mailed in. Always make a copy of the rebate information and the receipt before you mail it in. This way you have proof of your purchase and a phone number to contact them if you don’t receive the rebate in a timely manner.

The amount of any given rebate will vary but when you consider that the average on is $25, that is a great deal of money that consumers aren’t taking advantage of. It is a good idea to always use them to your advantage. Otherwise you are simply throwing your money away.

Each rebate process may be slightly different so make sure you take the time to read all the information that comes with it. You don’t want the frustration of waiting for 60 days to get the rebate only to get a letter instead that says you aren’t eligible because you failed to provide some piece of information or your form wasn’t completely filled out.

It is also a good idea to take action when a rebate you send it is not honored. This doesn’t happen very often but it is very important that you follow up. If you only purchased the item at the price offered because of the rebate than it is even more important that you get it.

Getting your rebate should never exceed 60 days. If you don’t have it by then contact the company. Make sure you document all the information about when you called and who you spoke to. It is good to have a log of this information so that if you want to pursue getting the rebate by other means you can back up your information.

There are a couple good websites you can use to track your rebate including www.MyRebates.com, www.WheresMyRebate.com, and www.Rebatestatus.com.  If you don’t find your rebate and the manufacturer isn’t working with you then file a complaint with the Federal Trade Commission and the Better Business Bureau.

The majority of company’s who offer rebates do honor them though so this really should never be an ongoing issue for you. There are plenty of businesses that do look forward to the unclaimed rebates though because at least 40% of them never get filed by the consumer.

As a rule of thumb though, I wouldn’t recommend basing your purchase on a rebate. If you don’t end up with the funds then the product cost you more than you were willing to pay for it. While you wait for the rebate process to be completed you will have the loss of that additional money that could be allocated for something else.

You should also be prepared for rebates to ask for your personal information including your name, address, phone number, and e-mail address. This could result in you getting coupons and promotions that will save you more money in the future. However, they can result in you getting bombarded by offers by the manufacturer that you aren’t interested in.

The table could be anything from just a basic table, to station made specifically for giving manicures, to an attractive looking antique.  It is important that it be comfortable for not only the customer, but also the manicurist.  The station should provide adequate space for all of the products necessary to give a manicure. 

Each table should have a place for products such as, lotions, polishes, nail files, tweezers, cuticle pushers etc.  There should also be storage space for tools necessary for doing acrylic tips, such as gels.   Each station should also have adequate lighting.  It can be hard to see tiny cuticles without enough light.  Some salons can be very elaborate, while others remain fairly basic. 

At a fancy upscale salon, the client can usually expect to be offered something to drink upon arrival.  Then they will be taken to a station that is usually elegantly decorated.  These types of places usually use either antique furniture or expensive manicure tables as their manicure station.  The tables usually have leather hand rests for the clients to rest their wrists on during the manicure.  Sometimes, they will also provide jewelry cleaner for the clients to have their rings cleaned during the manicure. 

At a more basic nail salon.  The price usually reflects the absence of these frills.  There are usually several stations, and the tables are usually pretty basic. 

Surprisingly, however, while the prices of these two different salons may vary greatly, the products usually do not.  Any time you get a manicure, they will need to use the same basic supplies and tools, a basic soaking solution, a nail file, or emery board, a cuticle pusher, a cuticle clipper, nail scissors, tweezers and an assortment of polishes.  Some salons will use a base coat polish followed by a coat of color and a top coat for shine protection and drying.  Other salons will just do a layer of color and let your nails dry under a dryer. 

If a salon is also going to give pedicures, which is basically essential these days, there are a few more supplies that will be needed.  Most salons have a massage chair for the client to sit in while receiving a pedicure.  Pedicure stations also require a miniature tub for soaking.  Some of the fancier salons mentioned above, provide cute separators for your toes.  Other salons use cotton, and some salons use nothing at all.      

When it comes to paying off student loans, many individuals wonder why they should get started with doing so right away.  Whether you just graduated one month ago or three years ago, there is a good chance that you have already received a bill requesting you to make a payment on your loan.  For many college lenders, this is common practice.  It seems as if you are expected to repay your college loan as soon as you graduate.  Unfortunately, many women, possibly just like you, are financially unable to do so.

While a large college loan bill may seem like an issue that can’t be solved at the moment, it is important that you do not just push it aside.  It is important to remember that loans, including college loans, have an impact on your credit.  Even if you are unable to make your full college loan payments as expected, you are advised to at least put a little bit towards your loan repayment each month.  In fact, even if you have yet to receive a bill requesting payment, it may be a good idea to start making payments anyways.  You can easily do this by contacting your loan lender for additional information.

One of the many reasons why so many recent college graduates have a difficult time making their college loan payments is because their life changes.  Many female college graduates need to not only find a job, but get their own apartment, condo, or home.  This is an expense that is costly all on its own, not to mention the added costs of furnishings, food, and utilities.  If this is a change that you recently had to make, you may want to sit down and make a budget for yourself.  The starting point of your budget should include all of the bills that you need to pay, like your rent or mortgage, auto insurance, food, utility bills, and gasoline to and from work.  These are expenses that you simply cannot avoid paying.

Once you have an idea of how much money you must spend each month, you can then calculate your monthly income by adding your weekly paychecks. What you will then want to do is determine the difference.  If you have any additional money left over, it is advised that you put as much of that money as possible towards the repayment of your college loan. Despite what you may believe, you don’t necessarily have to pay your monthly loan payment all at once. There are many financial lenders that will accept twenty dollars from you one week and fifty dollars from you another.  Often times, you will find that lenders just want their money, no matter how it arrives to them.

Although it is advised that you start making payments on your college loan as soon as possible, that time may have already come and gone.  If you have been out of college for at least five years, it may be time to consider alternative approaches.  If your loan lender is requesting payment in full, a payment that you cannot make, it may be an idea to consider applying for a debt consolidation loan. Although the last thing that you want to do is get another loan, your loan payments will be smaller to pay and this should be much easier for you.

If you are a female who has college debt that you need to repay, it is advised that you work towards doing so at every step in your life.  You should always think about the impact of dining out, when you have a debt to repay.  By letting your college loans go unpaid; they can reach the point where they are an issue that you can no longer run from.