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.

Adirondack All Weather Furniture – Choosing the Right Wood Type

Few people are aware of the fact that the idea for quality Adirondack all weather furniture began with a quest to find the perfect chair for relaxing on lazy summer evenings. This is why comfort is one of the very first things anyone thinks of when imagining an Adirondack chair or lounger. Aside from comfort, the other feature that most comes to mind when thinking about Adirondack all weather furniture is durability … why else would they call it all-weather !?

Because the original Adirondack chairs were originally designed for outdoor use at some lake cottage or similar retreat-the furniture had to be durable and was made from woods such as:

1. Cypress

2. Pine

3. Cedar

The use of cypress for construction purposes dates all the way back to ancient Egypt when the wood was a material for the construction of caskets for the first pharaohs. Today, cypress is a very common wood and used to make outdoor furniture like swings and various deck accessories. Cypress is also commonly used to make doors and windows as well because it has a conservative within the wood grain that helps it naturally repel insects and resist rot and decay which is why it is a popular choice when crafting quality-made Adirondack chairs and patio furniture .

Pine is another common wood used to make quality Adirondack all weather chairs and other seasonal outdoor furniture. Because of its abundance and reliably quick growth cycle, pine tends to be cheaper wood and is used extensively in the construction of many outdoor furniture pieces, including tables, benches, swings, chairs, and loungers. Pine tends to have a relatively low oil content and bids to that dry out easily, making it susceptible to cracking. However, when properly maintained, pine can be used to make premium Adirondack all weather furniture.

Cedar is a great wood when thinking about quality Adirondack outdoor furniture. Having a reddish brown color, cedar wood tend to be somewhat knotty and is actually a softwood. Cedar is naturally insect repellant and tend to have a very distinct aroma which can be managed with a sealer. However, quality Adirondack all weather furniture made from cedar is both beautiful and very durable making it an excellent choice when buying patio or deck chairs, tables, or accessories.

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.

But I Don’t Feel Like Working Out!

Do most people actually feel like exercising? Think about it. Who do you know actually loves to work-out as often as they can? Probably not many because if most people felt that way there wouldn’t be an obesity epidemic.

As I write this, even I’m putting off the inevitable. I have to work-out. I’m a Personal Trainer. Shouldn’t I be counting down the seconds until I get to hurt and sweat to the classic rock channel and my dumbbells? Nope. I have spent the last hour or so lollygagging around the couple of sites I tend to frequent, posting a few status updates and commenting “great pic” here and there while working up the motivation to get moving! I have a holiday party to attend tonight and I can promise you…the food will probably be pretty good. So how can I take my love of fabulous cuisine and my obvious Sunday morning laziness and somehow use this combo to get me up off the sofa and into the work-out room? Well I’ll tell ya….

I’ve been fat and I’ve been fit and I promise you that fit feels better! I just typed a paragraph or so about my own vulnerabilities above to let you know that I relate to your lack of desire to exercise. We aren’t that different from each other. I live in the same fast world with the same fast food and email vs. snail mail and instant gratification benefits as everyone else. The only problem with this is that permanent and healthy weight-loss and weight-management take time, perseverance and yep, hard work.

I know what happens when we put important tasks off. They either never get done or if they eventually do, there is usually a hefty late penalty. It’s no different with our bodies. To develop and keep a fit physique, consistency is the key. To stay consistent, we have to change our minds.

The truth is that the next hour or so WILL go by regardless of what I choose to do within that time. The last hour is over and I chose to sit on the computer. Now even though I really did more productive things other than post silly stuff online, the fact remains that there is still a work-out to be done. I will have calories to burn off for later. I have a metabolism to speed up for the indulgences I will partake in tonight. I can choose to sit here for the rest of the afternoon and not get my strength training session in and I probably still won’t put on any significant weight from tonight’s foods. The reason for this is that while most often I would prefer not to work-out, I do it anyway because I ALWAYS feel a sense of pride, joy and power by the end of that hour of exercise than I would feel by not doing it. I feel AMAZING when I finish an exercise session. Did it happen overnight? NO! I had to make myself continue to experience it for a good long time until I realized the power behind a regular fitness routine. The result is a faster metabolism which burns my calories for me while I do nothing at all. In real estate, they would call this cash flow from a rental property. The investing, rehabs and negotiations are done yet the pay goes on. Brilliant!

Think about where you are right now. Do you have any regrets over the things you didn’t do? Have you noticed any negative circumstances in your life that could have been kept small and insignificant if only you had tackled them sooner? What about any goals you would have accomplished had you acted sooner (or at all)? When you take a moment and honestly think about any of these regrets, are you convinced that if you only had the chance to make a different decision you would have done it and then you would have everything you’ve ever wanted by now? How much would you give to change the outcome of any of the scenarios I just mentioned?

It’s been 2 hours since my last paragraph. In that time, I worked-out AND prepared all the vegetables needed for my few days worth of healthy salads. I’ll be honest here. I absolutely didn’t feel like doing ANY of that. It’s time consuming and labor intensive as far as I’m concerned. Given that thought process, here’s another one which is equally true. I just finished my work-out and prepared my lean and nutrient dense post exercise replenishment not just for today, but for the next several days to come. It was labor intensive, but I FEEL AMAZING! The hard work is done and I’ll reap the benefits of 2 hours worth of work for the next few days! The technical term for this is delayed gratification. Let’s say it together. DELAYED GRATIFICATION. It’s a way of life we don’t experience much of these days and I believe it’s why our bodies suffer from malnutrition and limited physical capabilities.

You see, most of us don’t feel like doing a lot of the things we need to do and I’m no different. The only way to experience the other side of this particular coin is to just do it. Whatever it is. With exercise, the more often you muster up the strength to get it done, the more you’ll understand the rewards. Don’t get me wrong, you still may want to put it off, however, you’ll have a valid sense of what you’re missing out on if you do. You’ll get how powerful it feels to spend that hour or so doing what you’ll feel proud of rather than nothing at all, which you could easily regret much longer than a measly hour, possibly the rest of your life. This way of thinking creates pride and a healthy self-esteem. It also helps to abolish any feelings of restriction since when we take care of ourselves the majority of the time, we can enjoy our indulgences without guilt.

Well, now that I’ve done the hard work, I’m gonna relax. As I had mentioned earlier, it’s Sunday. The only day of the week that I don’t have to be something to someone. The day that’s reserved all for me. Rather than spending all of it vegging, I gave myself the best gift I could….peace of mind from good work well done. I took that hour, doubled it and now I feel free!

So what about you? What did you get from this?

Wishing you a lifetime of smart choices and self-pride!