Jennifer_Warren Archive

Jewelry Care: Protect Your Investments

jewelry in a boxYou may not need to hire armed guards to protect your jewelry like how Kim Kardashian reportedly have to do, but that doesn’t mean you should not be careful with them. They are, after all, an investment — something you can pass on to your children as heirlooms.

There are several things you can do to keep your jewelry in the best condition for a long time:

Buy Only Quality Jewelry

There’s no use trying to protect low-quality jewelry and imitation stones. If you want your accessories to last a long time, start with pieces that are actually of good quality. Jewelers in Salt Lake City offer various designs for engagement rings, wedding rings, pendants, and necklaces, so there’s no excuse for you to settle for something that’s going to look good today, but will easily tarnish in a year or two.

Clean Before Storage

You already bought the best jewelry pieces your money can buy, and you’re ready to wear them for special occasions. After those occasions, you’ll want to keep them in a safe location — but first, clean them. Use fabric and cleaning solutions designed for the kind of material your jewelry is made of, to avoid accidentally scratching the surface. You wouldn’t want to store your diamonds with some dirt on them if you want to preserve their beauty.

Store Properly

After cleaning each piece, it’s time to finally store them. Now, if you’re planning to invest in different kinds of jewelry, you should start reading up on the hardness levels of the materials you choose. Diamond is up there as one of the hardest minerals, which means storing it with the rest of your jewelry may scratch them. Storing diamonds in a separate pouch should do. After you’ve separated the jewelry to preserve the condition of each one, it’s time to look for a storage space. If you’ve got a safe, you can store your jewelry there. If you don’t have any, a secure yet unpredictable location will have to do.

Caring for jewelry starts with choosing the right pieces to purchase. Then, be informed of proper cleaning and storage to prolong their lifespan.

All About Mortgage Pre-Approvals

Real Estate Mortgage Approved Loan Document With House KeyGetting a mortgage pre-approval is a complex process but a necessary one in the acquisition of a house. Mortgage pre-approval involves having the lender determine the loan program you can qualify for and the interest rate thereof. The lender bases the assessment on factors such as income, credit score, debt, as well as employment history.

Why is it important to get pre-approved?

Altius Mortgage Group, a mortgages expert from Utah, reiterates that even before you begin looking at mortgage offers, you must first get pre-approved. Going house hunting before doing so is like walking into a supermarket without a wallet — even if you spot something you like, you won’t be in apposition to engage in a transaction.

Getting pre-approved gives you an accurate idea of what you can afford, saving you the time you’d spend looking at houses beyond your price range. Further, a pre-approval letter is proof that you’re a credible buyer, and sellers will take you more seriously than someone without this letter.

What documents do you need to get pre-approved?

The documents required vary from lender to lender. But, generally, you will need documents that show your income, assets and any other commitments against your income. These are some of the documents you’ll need:

  • Thirty days of pay stubs
  • Bank statements of two months from all your accounts
  • Two years of W2s
  • Last two federal tax returns

Does getting pre-approved guarantee a loan?

It’s important to note that pre-approval letters are subject to modification and even cancellations. Should your financial conditions change, the lender has every right to cancel the pre-approval letter.

A pre-approval letter is not a commitment to make a loan, an offer to lend, or a guarantee of specific terms or rates. Before extending your loan, the lender may require additional asset and income verification, plus the satisfaction of other conditions.

For fear of not getting approved, some buyers put off the loan application process. The problem with doing this is that you postpone your dream to own a house. If you’re worried about your credit score, getting an assessment will help you begin improving the score for future eligibility for mortgages.

The Changing Ways of Cost-effectively Honoring the Dead

mortician carrying the urn to a bed of white rosesToday, funerals are more about honoring the dead than following religious traditions. And there is no problem with that. As you honor your late loved one’s wishes, you are preparing them for the afterlife–whether that’s Heaven in your religion or simply them laying on the ground waiting for natural processes to set it.

What are the changes that have made burials in Ogden more memorable but less costly, you ask? Here are some:

Cremation

Cremation is on the rise, with more dead bodies being cremated than buried traditionally in cemeteries as of recent. More people seem to prefer cremation because it gives them the ashes or cremains of their loved ones, which they can store in an urn at home, scatter in the deceased’s chosen spot, or keep in a crematorium. This eliminates costs such as casket purchase and digging a hole in the ground. There is also no need to prepare the body for viewing, removing costs associated with embalming and grooming.

Donating to Science

For those who would like their death to help future generations understand the human body better, donating to science is a great opportunity. Anyone can make arrangements for this in advance so that when they reach their end, their family members already know what to do. If you donate a body to a laboratory or educational facility, they often take care of the transportation of the body and its eventual cremation. Some facilities return the ashes to the loved ones, while others plant a tree in honor of the deceased donor.

Pre-paying

This is more than just a way to pay for the same amount in advance. Through pre-planning a funeral, you’re using money that would otherwise be used for taxes and paying for a senior home, where most retired individuals go to get the care and assistance they need. Rather than waiting for your money to be used up paying for assisted living, use it to buffer the costs of a funeral.

Being alive is expensive, but so is dying. Prepare for the costs so your family can focus on grieving.

What Makes Phoenix a Thriving City

a happy family sitting outside their homePhoenix is one active city, with its residents all contributing to Arizona’s overall growth. In Phoenix, you will not have to worry about staying out late or needing a quick burger fix in the middle of the night. You will not have to worry about unemployment either.

Here are some of the factors that make Phoenix a good place to settle down:

Competitive mortgage rates

Phoenix is home to plenty of mortgage lenders, one of which is the Primary Residential Mortgage, Inc., that collaborate with real estate agents to make the loan application easier. You can easily find a mortgage rate you will be comfortable to make payments for, and qualifying for it should not be hard if you keep your credit score in check. Even for those who have a bad credit score, there are mortgage options available.

An active crime-fighting community

There is a possibility of crime anywhere. It is impossible to find a place with no history of crimes at all. What’s good about Phoenix is that the residents genuinely care for each other, as evident in the police crime watch that they have in place. What started as a small group in WhatsApp is now the Phoenix Crime Community Assist, which helps residents deal with emergency situations. Not a lot of places can proudly say that they have such level of care for the safety of their residents.

Great work opportunities

Phoenix used to be a call center hub, but it has expanded beyond that. It is now a tech hub, where IT corporations plant their roots and thrive. This means great opportunities for you, especially if you are working in the technology sector. Moving to Phoenix would not seem like a tough choice if you have a job waiting for you.

Whether you are seeking to live independently or start your own family, there is no question Phoenix is a good place for you.

NZ Government Assures Safety of Cladding in Apartments

Modern Cladding SystemThe New Zealand government assured the public that cladding systems remain safe for apartments, despite fire-related incidents abroad.

In London, faulty building materials allegedly caused the 24-story Grenfell Tower to be in flames. Those that worry about their homes catching fire can heave a sigh of relief since the New Zealand government banned the use of these materials on January 1.

Flammable Cladding?

Flammable claddings in apartment buildings are uncommon in New Zealand, according to Building and Construction Minister Nick Smith. Still, the government is not taking any chances, as it required councils nationwide to find out if there are any faulty materials used in their areas before the ban.

In May, several proposals aim to enhance fire safety regulations for high-rise buildings. These measures included stricter verification for cladding systems and improving accessibility for water supply and fire hydrants.

For now, businesses should only transact with domestic companies that provide products and services designed and developed in New Zealand.

Local Expertise

When searching for reputable cladding providers, look for those vouched by the Building Research Association of New Zealand (BRANZ) such as Nu-Wall Aluminium Cladding. The company uses local supplies in manufacturing its cladding systems before shipping them to construction projects worldwide.

In this way, you can be sure that these products went through screening by New Zealand’s quality standards. Nu-Wall combined different elements in creating their cladding solutions, taking aesthetics, weather-resistance and functionality into account.

BRANZ has appraised the company for three times, which makes it a good choice for residential and commercial building projects.

While concerns have spread over the safety of cladding systems, New Zealand has stringent safety measures for applying these materials to its buildings. Many local companies adhere to these guidelines not just to retain customers, but also to maintain their reputation as industry leaders.

6 Cost-Effective Ways to Improve Your Business

Team brainstorming about business plan and growthA startup business always needs cash to support its operations. This, however, should not hinder you from achieving your goals. You need to find ways to get through the process and succeed in your industry. Marketing experts from Vonazon share some effective ways to improve your business without having to suffer financially:

1. Always Help Your Customers

Your focus should be to help the customers, and as a result, the business will run smoothly. Every time you add value to the lives of your customers, they will reciprocate that gesture by being loyal to your brand. This relationship will provide cash consistently to finance the growth of your business.

2. Open a Credit Line

Banks are always lending money to interested and qualified parties. You should establish a relationship with the bank and open a credit line that will boost your purchasing power. If the current interest rate is low, then you can easily repay the loan.

3. Automate Marketing

This is a cheap and effective solution. You may use a software application to automate different marketing processes within your organization. You will need to automate some repetitive tasks in different departments of your business. These tasks include website optimization, video production, social media marketing, and email marketing. With marketing automation, you will make different tasks easier and effective.

4. Build Strategic Partnerships

If you want your business to excel, you need strategic relationships through which you can outsource some tasks. By outsourcing tasks that are not very competitive, you can ensure that your business remains efficient and offers quality services regardless of its size.

5. Provide Excellent Customer Service

You will need to deal with sales inquiries and after sales support. You can use a variety of tools to improve customer support. Great service will not cost you much, but will greatly enhance the customer experience.

6. Focus on Now

To avoid wasting precious resources, you should focus on proper planning and build your operations around the challenges you are currently facing. You should save money to solve existing problems and prepare for the future. Running a business is more than just selling and providing services. You need to oversee all aspects of the operations to achieve the highest level of customer satisfaction and maximize your profits.