Monday 24 March 2014

Finding The Perfect Engagement Ring

By Maryl Joop


How Much Does Owning a Boat Really Cost?

Recreation is an important part of every life, and finding a way for you and your family to enjoy the world and the opportunities it provides is an important part of living a full life. As you seek to find the kinds of opportunities you will enjoy in your life and that will help you to be happier as you spend your weekends recreating, you will be able to experience life more fully and grow closer to your family.

If you are looking for a diamond beautiful to the naked eye (doubtful that your girlfriend will whip out a scope to inspect it) you should look for a diamond D-H. Colorless diamonds (D,E,F) are very high quality but also come with a very large price tag. G and H graded diamonds contain so little color that is barely noticeable to the naked eye. I and J graded diamonds have a slight amount of color that is noticeable to the naked eye. Anything beyond J should probably be avoided as there will be noticeable color especially in smaller diamonds.

This one is more personal and there really is no rule here other than pleasing your girlfriend. It used to be said that two months' salary was the right amount but ignore folklore and look at your finances. It probably is not worth going into debt just to begin a marriage but it is up to you. Knowing your spending limit will help you when making decisions later.

There are six grades or categories that a diamond may fall under. Flawless (FL) means there are no inclusions or blemishes visible under 10x magnification (these diamonds can be very pricey). Internally Flawless (IF) means that there are no inclusions visible under 10x magnification although there may be blemishes. Very, Very Slightly Included (VVS1 and VVS2) means that there are inclusions so slight they are difficult for a skilled grader to see under 10X magnification. Very Slight Included (VS1 and VS2) are observed with effort under 10X magnification, but are minor. Slight Included (Sl1 and Sl2) have inclusions are noticeable under 10x magnification. Finally, Included (I1, I2, I3) have inclusions obvious under 10x magnification.

The cut of the stone is crucial to the stone's beauty and sparkle. While diamonds do come in different shapes the cut refers to the workmanship of cutting the diamond to allow the diamond facets to interact with light. Different jewelers may use their own grading system to measure the quality of cut but there are different proportions of a diamond's cut. While it is not necessary to go into every portion of a diamond cut it is important to understand the three effects the cut may have on light. The cut will determine the proportions of the diamond.

Diamonds that are too shallow (larger surface area and shallow depth) will have light travel straight through the diamond without reflection. If the diamond is conversely too deep the light will enter the diamond and then be refracted to the side out of the bottom of the stone. The ideal diamond will reflect the light entering the stone back up to your eye. Ideal diamonds have an equal mix of light and dark portions when looked straight down on the diamond. Poorer diamonds will be either very dark or a bland light color.

Maintenance and fueling are other costs that you should consider as you think about buying a boat. You will need to ensure that your boat is safe on the water so you can maximize your fun and minimize the danger. By keeping your boat well maintained, you will be able to feel comfortable on the water.

So as you decide on buying a boat, remember to consider all of the costs it will include. Looking for auto insurance in Lakewood, CA will help you to understand the cost that goes into keeping a boat.




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