The Importance Of Jewelries

It is interesting to note that almost all people use a form of jewelry to add appeal to his or her appearance. It would make a person wonder what the importance of having jewelries is.

Jewelry is a piece of adornment that one uses. It may be in the form of necklaces, earrings, rings or bracelet. Brooch is also a form of jewelry. Its value depends on how it is created and from what materials. Jewelries made from gold and precious gemstones like diamond, ruby ​​and emerald has greater value than those made of silver and shells. Each person's preference on the type of jewelry depends on the material, the symbol and the artistic quality.

Humans cited as far back as 6 to 7 million years ago. This was a recent discovery made on a skull in Central Africa. Most likely, jewelries have been around as far back.

Early discoveries found that jewelries during the ancient times were in the form of teeth, bones, stones and wood bore on human parts of the bodies. They even used this to fast clothes and as hair accessories. Nowadays, jewelries are only for beautification purposes.

Most of the time, when you see someone adorned with several jewelries you would conclude that he or she is a wealthy person. This is normal because jewelry has great value and not everyone can afford it. Even in different cultures, jewelry is their status symbol.

The value being so great, jewelries are used either as a symbolic form of good intent or simply to show the family's financial status as a form of dowry on weddings. It is also used for business trading.

Pins, buckles, belts and handbags are not considered jewelry rather they are called accessories.

Nowadays, most people use jewelry to enhance one's appearance. To be able to wear one may give a sense of financial achievement and pride. Whatever the reason is, wearing jewelry adds beauty to every person.

What is an Art Collector?

A collector would be someone very wealthy, collecting for love or money or both. It is sometimes someone who purchases on impulse. Collectors buy art because they enjoy beauty as a part of their life style. Sometimes collectors buy art to fill a void in their life.

What makes a great art collector? Having an unlimited amount of money helps but it is not essential. Some collectors treat it as a hobby: an intellectual and emotional joy which served the additional purpose of decorating one's private home. Since the end of WWII there is a different type of collector. They pursue their own passions however with an awareness that the whole world is watching. Their collections are a matter of public record and their prized possessions are on loan to other museums and companies for the entire world to see.

There are as many types of collectors as there are collections. To the avid collector, knowledge about art is far more important than money. Collecting art desires desires, passions and emotions. It speaks of addictions, obsessions and instincts. A collector can be someone who does not have huge resources of money. It could be someone who has a minimum wage income, and goes to local thrift stores looking for baby bottles to add to his bottle and glass collection.

A collector is also someone who has the courage to buy the work of an artist early in their career; when the artist is still virtually unknown. Anyone can buy the work of a known artist if they have the money. Some collectors are in love with their collections and say good night and good morning to their favorite painting. This is probably a little sentimental and extreme; however it is this passion that creates a great collector. Collectors treat their collections and take the same measures as a museum would do to protect its art. In some cases ceramics and marble statues are bolted down to protect against earthquakes. Certain collectors have high standards when buying a work of art. A work has to be museum quality.

The artist and the collector create a partnership or sometimes a whole; two people coming together to create one organism almost like a marriage.

Cabo San Lucas Real Estate – Your Questions Answered – Part 3

East Cape Mexico Real Estate: Living In The Corridor

It's a compromise. A big one. It's miles of gated communities, golf courses, luxury resorts and wonderful beaches. People who buy homes or condos in the corridor participate the peace and relative security of living in gated enclaves. Same as some places back home in the States. Homeowners association rules keep out the local door-to-door peddlers, sound trucks advertising the circus, neighbors raising fighting cocks and other ambience destroyers.

I've lived in and out of these places. Personally, I kinda liked the hombre that would rattle our gate at our home in the barrio every so often to offer us fresh camarones or fish. Or on one day – a sack of live lobsters for four bucks a pound. "You come back every week," I told him, "the gate is always open for you amigo." If you like to VISIT Cabo a lot, but do not want to live in Cabo, then the corridor is a good compromise. Just remember, major grocery stores, and other necessities will be three to ten miles away in Cabo or San Jose. It's like living in the burbs without the halls – without much of anything. Just you and your neighbors, behind those big guarded gates, next to the ocean. Oh, yes – Costco and Home Depot are across the highway on the Cabo end.

Corridor Developments

Over the past several years and ongoing, developers have been putting in scores of townhouses on the land side of the corridor at prices starting in the low 200's and going up from there. They usually have a community pool and other amenities, and a view of Cabo Bay if you're lucky. Appreciation has been good – some doubling in value in two years. Some are safe investments, some are dicey – depending on the strength of the builder in general. One has to be circumspect when buying anything here. More so than say in California where more real estate disclosure is required. Title insurance is critical, so is working with knowledgeable professionals who will look out for your interests first – not the developers interests.

Established developments on the ocean side of the highway like Cabo Bello, Cabo del Sol and so on until you get all the way to San Jose are like gold. Some have private (by default behind gates) and semi-private beaches, beach clubs, and full resort amenities such as those found in Cabo de Sol or Palmilla.

Homes in these areas will range from around $ 500,000 USD up to ten or more million dollars. Prices are catching up to Southern California fast. How fast? Well, the new Puerto Los Cabos development on the East side of the San Jose estuary was selling ocean front building lots two years ago for 1.5 million dollars. They are now going for almost four million.

The limited number of ocean front lots in the El Dorado Country club (which went private last year) are going for twelve million dollars. But across the highway, and still with an ocean view (a half mile away) you can buy a town home with a community pool for under $ 200,000. This year …?

NEXT: Living in San Jose del Cabo

Credit Card Debt Consolidation – The Hidden Dangers

Credit card debt consolidation sounds great, pay off high interest bills, but credit card debt consolidation has hidden dangers that you must be aware of before you proceed. Drowning in debt can be frustrating and anxiety filled but make sure the relief you seek is truly beneficial to you, let’s discuss what to watch out for.

Credit card debt consolidation loans offer the ability to swoop in and pay off your high interest card debt, allowing you to apply more of your payments towards your balance owed and seize control of your finances back from your creditors. It seems like an easy choice on the surface, and in most cases it is beneficial but there are some common financial traps you must avoid if you get a consolidation loan.

Remember that your new loan is just that, a loan, with financing fees and charges for the approval of your new consolidation loan. This in and of itself is normal, but be wary of companies that charge very high financing charges for the privilege of your loan. You may be reducing your rates with the new loan but there is no reason that you should pay more than you have to finance your consolidation.

Many credit card debt consolidation companies will offer to negotiate settlement of your debt on your behalf with your creditor. What this means is they will negotiate with your debt holder to have a portion of your debt forgiven in return for an immediate pay off of the remaining amount with the consolidation loan. This is very commonly accepted by credit card companies for delinquent accounts as they would rather write off the debt and get paid a little than risk your bankruptcy and non payment in full.

If you choose to settle your credit card debt, simply be aware of the tax ramifications for doing so, forgiven debt is typically looked upon as income come tax time with the IRS. For large settlements you might wish to seek the consultation of an accountant or tax attorney in order to receive a professional consult for your situation.

Also be aware of the affect settlement and consolidation will have on your credit score. You may already have bad credit, and are not in the process of rebuilding yet, then this won’t concern you much. Settlement of your debt has a negative impact on your credit score, and can take years to rebuild from.

Lastly, always be sure to work with a reputable and trusted online credit card debt consolidation company. There are many services fighting for your business, some promise more than they can deliver. There are companies that have earned their trust over many years through hard work and service to people just like you, stick with them for your next consolidation loan.