Friday, April 23, 2010

Why a ruby for your engagement ring?

Why a ruby for your engagement ring?

Precious and semi-precious gemstone jewelry is no longer a luxury for the rich and famous, as the people world around have begun to indulge in exquisite stone encrusted jewelry. A stone on the jewel enhances its beauty and also breaks the monotony of the look. Of all the various kinds of ornaments available, the age-old ring is the most cherished and probably the most used owing to its easy wear-ability. Be it the very revered wedding ring or the esteemed engagement ring, rings can adorn many occasions.

The rings are quite small compared to the other kinds of jewelry a woman can have on her, therefore, it is very important to wear a ring which on its own can stand out. A stone on it will be a perfect answer to that. Such gemstone jewelry draws immediate attention. And, if it is crowned by the much valued ruby, the result is stunning. Ruby is one of the four precious stones, the rest being the emerald, the diamond, the sapphire. In the ancient times apart from being used for ornaments, rubies were laid beneath the foundation of buildings to secure good fortune to the structure.

The best ruby for your ring:

When selecting ruby for your rings, color is the most significant factor followed closely by its shape. Medium dark-toned passionate red is the true reflection of the finest ruby. In fact, the word ruby is derived from the Latin word ‘ruber’ which means red. But, it may also exhibit a range of secondary hues like orange, purple violet and pink. Ruby is at its splendid best when encrusted in a gold setting, giving it a very royal and regal look. But, it can be graciously toned down without loosing its original appeal by experimenting with platinum or white gold settings. Shape of the ruby needs to be influenced by the overall design, size and the precise color. Oval and pear shaped rubies go exceptionally well with most kinds of rings, but, other cuts like heart, geometrical figures, princess are also breathtakingly fresh and innovative. And the ruby need not be always placed at the centre; it looks radiant when surrounded by diamonds, or placed at the edge or placed asymmetrically.



The best ruby for your engagement ring

In an individual’s life, an engagement occasion is as respected and precious as one’s wedding, a promise for an eternal life together. The passionate red color which is universally known as the color of intense love, romance and passion is also widely associated with the ruby gemstone. And an engagement ring carved with a beautiful ruby set in an elegant design truly reflects the auspicious event. But, not many may like the bold red for the engagement, for them the other choices in rubies are shades of purple, violet or pink. These days some men too prefer to wear an engagement ring and would like to have a complimentary color as their fianc├ęs’. For them, a pair of ruby engagement rings is the ideal choice as it can be mellowed and yet look attractive and graceful with the right cut, color and size.


Summary: A ruby gemstone ring personifies feelings, splendor and warmth. A right combination of color, cut, size and the design can ornate and sparkle your engagement ring.

Wednesday, April 14, 2010

An Insider Report - 5 Car Buying Tips

An Insider Report - 5 Car Buying Tips


1. Looking to improve your credit? Many dealers that handle “in-house” loans claim to report
to the credit bureaus, helping you improve your credit. A large percentage of these dealers DO NOT report to the credit bureaus. Ask for proof that they do, if this is important to you.

2) Don't agree to give the dealer money you don't have now. Sometimes called picky payments or hold checks, this policy makes it easier to get financed, and easier for the dealer to make more profit. If you have bad credit this might be the only way to get you a loan. Don't do it. Be patient, save your money and look for better financing, with money you have now, not money you think you will have in 30 days. Often you will be surprised when the dealer gets you financed without the “picky” payment.

3) Beware of dealers that don't provide an AutoCheck or Carfax promptly. I want one before I drive any used car. If they hesitate, move to the next dealer. Its cheap and easy for them to do. Lets get it out of the way early. Smaller dealers often get the big dealers bad vehicles. Here's why: bigger dealers typically don't want the liability of rebuilt titles, “framers” (frame damaged vehicles), or multiple accident rides. Smaller dealers often do what it takes to survive.

4) Have your credit report in your back pocket. No need to run multiple credit bureaus all over town. Inquiries stay on your report for 2 years, so keep the credit pulls down. If you find a vehicle that might work ask to speak to the finance manager. Show them your bureau and ask for his/her opinion on the rates their banks will probably do. There are a large number of secondary lenders available to car dealers. Your interest rate might vary by 10% or more. If the guesstimate is 30%, I'd try to find a dealer that would do 20% before pulling the trigger on that new ride.

5) If you have a specific vehicle in mind, research it prior to leaving home. AutoTrader.com, Cars.com, Edmunds.com, Kelly Blue Book (kbb.com) are my favorites. Take note of where the vehicles you are interested in are located. Have a drive route planned, before you leave. Good sales reps are experts at keeping you on their lot, switching you to other vehicles and getting you to drive several cars. Nothing wrong with that, it's their job and you came on their lot. They have a plan, do you?