If you have jewelry that has seen better days, don’t be so quick to throw it in the next rummage sale. You have a couple of options here. You can either refresh and revitalize it with a thorough cleaning or you can take it to your nearest local jewelry artisan and have it remade into something that coincides more closely with your tastes, personality and style.
A Truly Thorough Cleaning
Chances are that without taking it to a jeweler that deals in custom jewelry such as Atlanta jewelry repair, you’re not going to get an extremely thorough cleaning on your own. These people know how to get into all the little cracks and crevices, they can check the mounts to make sure that all your stones are secure – that can be very important, in the case of diamonds and other precious stones – and can make your ring or other jewelry look better than the day it came out of the showcase. And, if it did come from the showcase you may want to have a jewelry artisan customize that ring, so that it is more befitting your current taste and personality, and current trends or styles, as well. Those pieces of jewelry may actually be more valuable as custom jewelry than they are at present.
If You Want to Clean Your Jewelry Yourself However…
Make part of your standard jewelry cleaning kit a polishing cloth. Frequently, this is all that is needed to shine up dull jewelry. Here are a few tips for cleaning jewelry at home:
? Turquoise is porous so clean it without submerging it. Use sudsy warm water and dry right away.
? If the surface is textured you use soapy water and a ‘brass brush’. Again, dry it right away with a soft cloth.
? Sterling silver scratches easily, because is considered a soft metal. That polishing cloth referred to earlier is your best bet here.
? 1 quart water mixed with a teaspoon of Woolite will clean your pearls. Only allow them to be submersed for as much as 15 seconds, drying them immediately upon removal.
And, here is one more little tip for when you’re cleaning all of that jewelry – make sure that you have removed all of the gold jewelry from your hands or wrists, because you can create a film over the top of your gold jewelry with some of the methods used to clean the jewelry stated above. A soft brush with mild detergent and immediate drying should bring your gold back to its original sheen.
Costa Rica may be one of the few places in the world where simply staying at a resort is an adventure in itself. Imagine looking out of your room window at a giant, smoking volcano. That’s right, that’s where you’ll be sleeping ‘peacefully’ every night. Unless of course, that volcano erupts which hardly ever happens. Almost never in fact! Not even really enough to bother mentioning it… or so I’m told. I wouldn’t worry about it.
Of Course There Are More Adventures Than Just Staring at A Volcano
You can actually take a walk on the wild side, by visiting the land of the volcanoes and stroll amongst them. Depending on your view on Mother Nature and her little creatures, some not so little, there are plenty of adventures to be found in the rain forests. While hiking through this little slice of heavenly tropical paradise, you will see all the creatures of the rain forest, in their natural habitat. Colorful reptiles and birds, along with chattering monkeys swinging overhead will entertain you and amaze you. How are you liking your adventure vacation Costa Rican style so far? These are the lands that are being threatened every day by our mistreatment of the planet. Here you will grow to appreciate their significance and beauty. Costa Rica operates a plethora of eco-friendly shops, spas, resorts and more. The citizens here are aware of what they have and have no desire to ruin it, just through tourism.
Adventure Is Where You Find It
There are plenty of water sports in this area, as well. An adventurous scuba diving expedition, jet skiing, sailing or white water rafting are just a few of the beach oriented things to do here. Don’t want to go in the water just yet? How about a horseback ride along the beach? If you’re in the mood to peddle your goods all over town, so to speak, you can rent a bicycle and tour the area with a friend. (If you want to avoid the rainy season head here from June until November.) Small planes are available for large trips and the buses are perfect for shorter trips and extremely affordable. Sunscreen, bug spray and possibly a rain jacket are among the absolute necessary supplies you’ll want to pack.
And, there are custom packages available for your travel as well. There are sports packages, honeymoon packages, a sampling package that covers a multitude of activities and sites. A family package is appropriate for both small families and family reunions, and of course there’s a jungle expedition.
If you are heading to the 2013 Kentucky Derby, you are already treating yourself to a wonderful experience. Why ruin that experience by traveling in an uncomfortable manner? If you are too sore or tired to enjoy the event, all of that money will have gone to waste and, worse yet, a wonderful experience can be completely lost.
Get the Most For Your Dollar
If you visit the official Kentucky Derby site, you can find many travel packages that won’t cost you all that much more than staying at a more inexpensive location. Since you are already pampering yourself a bit, you may as well go that extra mile, right? Many of these more luxurious locations include wonderful amenities, such as spas, swimming pools, even massages. Coming back to your room after an exciting day at the event and taking advantage of some of these extras is a great way to ensure you will be ready to enjoy the next day.
Finding a Way to Experience Luxury
If you aren’t wealthy, it will take a bit of planning to get the luxury that can be enjoyed on your vacation. While it is definitely worth it, it isn’t always the easiest thing to afford. If you are a bit optimistic, you can track Kentucky Derby Odds online, place a few bets at the event, and try to recoup your travel expenses. More realistically, however, you should budget for your trip, just in case that big wager doesn’t pan out the way you wanted it to. It’s likely that your decision to go to the Derby wasn’t a last minute decision. You probably have been planning on it for months. Use those months to your advantage! Find a way to budget the money to experience the event to the fullest! Perhaps budget a bit from each check to pay for the package you want.
The Kentucky Derby is a tribute to a more sophisticated time and place and experiencing as much of that sophistication as possible should be part of your experience. Nothing worth doing is ever easy, but with a bit of self-discipline and planning, there is no reason that you can’t treat yourself to a dream vacation. Keep in mind, experiencing more comfortable lodgings does not have to be an extravagant undertaking. You could easily stay at a discount hotel, with uncomfortable beds and no room service. The choice is yours!
If you are currently employed (or even self-employed) and have health insurance, through your employer, you are most likely enrolled either in an HMO (health managed organizations) or PPO (preferred provider organization) care plan. If you have the decision making power of choosing between either a PPO or HMO it is important to educate yourself on both plans, to find which will be the most beneficial to you and your family’s needs. Regardless of which manage care plan you choose, both HMO’s and PPO’s will establish a contracted network of doctors, hospitals, clinics, pharmacies, labs, x-ray centers, and medical supply vendors, and it is helpful for you to visit CanadianPharmacyLink.com, for locating more medical information and supplies.
What is an HMO?
The earliest forms of Health Managed Organization (HMO) go as far back as 1910, with prepaid health plans in lumber mills, in Tacoma, Washington. HMO’s provide basic medical services and preventative care, such as office visits, immunizations, infant checkups, and general physicals. Members can choose, from a list of health care providers. However, HMO’s only allow you to see health care providers, in your HMO network. This results in lower premiums and/or copayments. HMO’s are not the optimum choice, for emergency services and treatment, outside its coverage area. Specific benefits of HMO’s are dependent on the company and group plan offered. Be sure to understand what is being offered, in your HMO plan and ask questions of anything you may be unsure of in your policy.
What is a PPO?
A Preferred Provider Organization (PPO) allows the member to select, from a list of health care providers just like an HMO at lower premium and/or copayments. However PPO’s also allow the member the flexibility of coverage, for services, if you see a health care provider outside the network. Generally the member will pay a larger portion of the copay services, but to some this extra cost is worth it, if you are seeking a health provider that will most fit your needs. If you do go outside your PPO network, you will need to pay your doctor directly, then file the appropriate claim for reimbursement ,with your PPO. Just as in the case of an HMO, find out specifics for your plan, understand what is in your policy and ask questions. Become informed what your policy will provide.
Attention mortgagees: are you aware of the PPI scandal? Yes, it’s true… Those banks with which we daily entrust our millions (or more accurately are thousands or are hundreds) to may have been pulling the proverbial wool over your eyes, when it concerns what has turned out to be bogus PPI charges. Several things point to these policies being bogus. The first of which is the fact that many people were sold this policy, without their knowledge. The second being that individuals that knowingly have been paying for this policy all along, may never have actually been qualified for the insurance itself.
What Is PPI?
PPI is an insurance policy that supposedly insures the borrower against the possibility of not being able to make their mortgage payments. And, in theory that sounds like a relatively good idea for some. Particularly in this day and age, when the economy and (as a result) jobs are so precarious. Had this been handled correctly, it may actually have been a decent option, for some individuals. Sadly however, the type of breakdown, or something, occurred somewhere along the line, with one or more banking officials. So ,what could have been a legitimate insurance plan for borrowers that actually qualified, somehow metamorphosized into a major banking scam, that is now making both borrowers and lawyers money. And, who doesn’t want more money? (There will be no reference made here to the credit card commercial, with that obnoxious baby in it. Who thinks of those things anyways? What on earth ever made someone think that I want to look at someone’s obnoxious baby?)
Is It Time to Find a Lawyer?
If you’ve taken out a mortgage, it may well be time to have a trusted lawyer go over it, with a fine tooth comb. Yes I am well aware, of the contradiction in terms there… Trusted and lawyer. Hopefully, at some point in your life you’ve run across one. Give him a call. The whole problem is that you may have paid way too much, for PPI than you should have; whether it was actually sold to you or just simply written in and charged to you ‘inadvertently’ (as if). Even if you were aware of the fees, you may not have technically been eligible for the insurance, in the first place. I’ll just bet nobody ever explained that one to you.
Big money is being won in lawsuits, or returned, to unsuspecting mortgagee’s and in turn paid to countless lawyers, as a result of lawsuits pertaining to the excess fees, resulting from failed attempts at PPI claims. One has to wonder – wouldn’t it just have been more beneficial, to offer qualifying individuals this precautionary policy? Then again, I guess I’m just not one of those big, fat cat banking masterminds. Not for nothing, I’m just saying. Maybe someone should’ve checked, with the psychic hotline. Oh wait, that’s right, they went out of business. Do you suppose they saw that coming?
Nobody wants to make a payment late, on any of their bills. Most people would feel guilty, with the thought crossing their mind of planning, for late payments. The reality is that for most of us, at one time or another something will come up and make a payment late. With any luck, your payments do not get so far behind, that you need to take out unsecured loans for people with bad credit. Time is something that is extremely valuable to most people, and no one wants to spend endless hours comparing insurance rates. And, with a few simple steps you can find ways to save time and money, so that if needed you will have extra money, for those times you may need to pay late.
Check Your Rates Frequently
Most people will find an insurance agent, get their rate and begin to make their payments. Once they have settled into their company and rate, they never think about it again. And, for years they continue this way. This can be a very costly oversight. Of course ,you will think your agent is your friend. They can be quite friendly, but your agent is in the business to make money. They may not be your enemy, but they are there to put food on their table, not yours. They will not inform you, if your rates have decreased. Especially, if a competitor is offering lower rates than what you are currently paying.
How to Save Money
Check to see what your credit score currently is before you shop for insurance. Many insurance companies are now looking at your credit rating. Although, this will not always determine whether or not the insurance company accepts you as a client; it may have a big impact on what and how much you pay each month. Look for resources, where you can examine many quotes at the same time. No one wants to drive from agent to agent, or make call after call to find what the best rates are. Not all insurance companies provide the same rates or the same services. So, it is important that when you find out the rate, find out exactly what benefits you will be receiving for this price.
Computer technology has made tremendously significant advances, since the days when a computer would occupy the space of an entire room. We have gone from mega computers, to computers that can fit into the palm of your hand. Today’s science fiction, becomes tomorrows facts. HG Wells brought us “The First Men In The Moon” which was thought of as far fetched. Until we went to the moon in the 1960’s. The 1960’s brought us “Star Trek” and all the technological advances we thought were so cool, but beyond our capacity to believe would become real–until we started having portable computers and cell phones. The one thing Star Trek did not address was whether or not anyone accidentally or intentionally was using the ship’s computer for porn. Maybe they didn’t, because Captain Kirk had such good url blacklist blocking programs from Spock and the crew, that he deemed inappropriate.
Kids today are exposed to more media dangers than ever thought imaginable, in the past. With the advent of smaller portable computers and the easy access to the internet, children will eventually become curious, about sex and sexually explicit material. In so doing they may turn to websites and chat rooms, where they sometimes come in contact with either child porn collectors, who are happy just to view an image of a adolescent or the child may come in contact, with a predator looking for a face to face meeting. And, often times the child can become the victim, of the predator. Whichever scenario, the child can become seduced and manipulated, into thinking the person they are talking to is someone else, perhaps a child their own age or just a sympathetic understanding person, who knows what the child is going through. The child does not understand the dangers, or recognize how they can become a potential victim.
Simply restricting your child from using the computer will often times just give them more curiosity, as to what is being hidden from them. Educate your child to the dangers of online predators and take appropriate steps, for parental control. There is a vast amount of information that can be found online, so that parents can take control and protect their children.
So you’re shopping for car insurance. You’re so lucky! Well since everyone seems to do their shopping online now-a-days, you should not be any different, when it comes to insurance. That is because there are benefits to shopping online. Of course, it saves gas and running around all the time. But that’s the least of it. It is actually possible to save money,, through the very fact that you are doing your shopping online.
Special Deals for Online Visitors
The mere act of logging onto a site in order to find out about some car insurance rates can be your ticket to savings. Online coupons, coupon codes, and ‘bargains for our online shoppers only’ open the door for savings, specials and deals. In addition to saving money through an online promotional offer there is also the possibility of saving money with insurance companies online, by doing all your business over the Internet and foregoing the paper. It’s a way of not only saving money, but being eco-friendly at the same time. More and more companies are promoting paperless accounts, from banks to utility companies. And what better way to promote something than to tell the users that it can save them money?
‘Buy Now and Get a Second One Free’
How often have you heard that one on TV? Whereas it may not apply to auto insurance offers, there are promotional offers out there, that all but beg you to try their auto insurance. Some of those include a rebate of sorts, where if you buy more than one insurance policy you will receive a cash rebate. Usually you have to buy the policy, for a year or more. Other promotions include actual prizes that can be won. In order to enter the contest, you simply have to buy insurance. Possibly one of the best prizes offered in this type of contest is one free year of insurance.
If discounts are part of a promotion, it never hurts to ask if you can lock that price in, for a specific period of time. What’s the worst that can happen after all? If they say no, then you simply start shopping around again, shortly before the insurance policy that you did buy expires. Who knows, you may be able to take advantage of yet another promotion. Given time you might actually get really good at this and never have to pay full price, for an insurance policy ever again. You never know.
One of the best ways to plan a vacation, in Banff, Canada, best by way of simplistic and affordable, could be through one of the Internet discount travel sites. They cannot only help you with discounted airfares and discounts on attractions, but they can also shop the best deal for you, as far as hotels in Banff. You have seen the commercials all over television and probably even on the Internet itself. And truth be told there is a great deal of money that can be saved going this route. Of course, if you are one of those overly ambitious people, you can always shop the deals yourself and set the vacation up, on your own. But who’s got that kind of time? Certainly not me!
How’s the Weather In Banff?
First of all, you’re going to want to decide whether you like winters in Canada or summers. Are you a snow bunny or a hiker and fisherman? There is fun to be had, during any season, in one of Mother Nature’s proudest accomplishments….the Banff wilderness. Lake Louise is a big draw, in the Banff area, during the summer months. Fishing, hiking, canoeing and more, take place in this lake and all the rivers and lakes, around it every year. Banff National Park should be at the top of your list, if you are the outdoorsy type and enjoy walks through the wilderness and possible wildlife sightings. Then again, if you enjoy skiing, snowmobiling, snowboarding and other winter sports, Banff is the perfect winter getaway. Why grudgingly shovel the snow around your home, when you can truly appreciate and enjoy the snow, in another part of the world?
Steps To Take
Planning a vacation isn’t all that complicated, even if you do it on your own. It’s the saving money part, that is sometimes better left to the professionals. If you are going to try to plan this vacation, on your own, you might want to get your hands on some travel guides for Banff and surrounding areas. That is of course, once you decide what time of year you are taking vacation. Booking in advance is going to be your best bet, when it comes to saving money. This goes, not only for your accommodations, but particularly for booking your flight, should you need one.
And while we’re talking about planning ahead, for goodness sakes, don’t forget to take your time off of work and make sure that you get it in writing!
This year the NCAA Basketball Tournament Championship marks its 75th anniversary. The players that played in that first championship game would be in there nineties now! The game as evolved a lot in 75 years. Everything from the style of play to the uniforms has undergone a major metamorphosis in 75 years. The basketball universe once circled around the college game. There was no real professional league. The first official basketball game was played in 1892 at a YMCA but a few short years later, in the early 1900’s; over 90 colleges had a Men’s basketball program. This huge influx of teams sparked the creation of conferences designed to help organize gameplay. Soon there was a demand to establish tournaments where the best teams from the conferences play could compete in a championship game to determine the best of the best. The NIT and NCAA basketball tournaments were formed.
Tools of the Game
The early equipment was a far cry from when we see today on the basketball court. The first balls were hand-laced, leather and slightly misshapen. It was softer and hard to dribble. Shoes in the early years were nothing special either. The first notable basketball shoes were called Chuck Taylors. These are still around today but first debuted in the 1920’s. They were canvas uppers with a rubber sole. These shoes were popular for over 40 years with basketball players. You won’t see any players wearing these on the court these days but they are still popular as a fashion choice for some.
Influence from the Pros
Since the game of basketball evolved from a college sport to a professional sport many of the college players wear basketball shoes made famous by professional players. The Converse All-Stars worn by Dr. J (Julius Erving) were also popular with college players. These shoes were all leather and built to support the ankles and give the player a little more lift. This was important because the game of basketball had evolved to the point where players were playing “above the rim” as opposed to the early days of pass, pass, shoot. The biggest shoe revolution came with the introduction of one of the games biggest superstars. Michael Jordan’s “Air Jordan” line ushered in the era of superstar shoes along with superstar players. Jumping higher and farther, towards the basket, became the more popular style of play from the mid-sixties forward and each shoe since then has been a progression towards that goal. When you take in an NCAA tournament game this years you will witness teams in every march madness 2013 bracket with great fundamentals and also some with high flying action too. The best teams combine the two.