Category: Jewelry

Jewelry Insurance Services Better Safe than Sorry

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When it comes to expensive jewelry, getting reliable insurance cannot be undervalued. Many people assume their jewelry is covered in their homeowner’s insurance. However, that coverage only extends to situations such as burglary or fire, and is often only provided if you purchase it as an extension to your existing policy. Professional jewelry insurance services are the only real way you are guaranteed the coverage that you need. Going straight to insurance specialists means you’ll be working with people who focus in exactly what you are looking for, ensuring your heirlooms, wedding rings and other valuables are in the right hands.

Before insurance can be obtained, the jewelry must be appraised. The cost of an appraisal is determined by a number of factors, especially the amount of time spent on an evaluation. The value of the piece is calculated based on the condition the jewels are in, taking into account visible wear, quality of mounting, and the specifications of the gems themselves. While buyers will frequently offer their own appraisal services based on their personal experience in the business, their conclusions are often based in market attitudes as opposed to gemology itself. In this case, an appraisal that is not based purely on the quality of the jewelry itself is ill-advised. It is always more prudent to go straight to people specifically trained in gemology and appraisal, preferably through independent firms. This becomes especially important when it comes to the actual insurance policy, which relies heavily on the appraisal results in order to determine replacement policies.

While jewelry insurance services will offer more extensive protection than a rider on homeowner’s insurance, asking the right questions will determine which plan is best for you and your valuables. Keep in mind that every firm will vary in what they offer, and even that will vary between different insurance packages. It’s important to know up front what exactly the company needs you to provide in order to prove theft or loss and the specifics of their replacement process. Some companies will give you cash for the value of the lost items, while others prefer that you purchase a replacement through a predetermined jewelry company. Don’t be afraid to ask about hypothetical situations. If you hike often, it might be a good idea to ask about the specifics of losing your engagement ring on a trail. After all, your insurance plan must be tailored to your unique lifestyle conditions in order to really protect your fine jewelry.

Loans Against Jewelery – Fetch Suitable Funds By Pawing Jewelry

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When a person is facing the problem of monetary shortage, at time he is not able to finds out a solution to get out such a situation. Are you also in such a dilemma? Do you own jewelery? If yes then loans against jewellery would sought your problem out in as less time as possible. With the help of this monetary service, the borrower would be able to fetch suitable funds by pawing jewelry. You can use this money for anything you want.

In order to do, you need to go online and search through all the options that would be available to you online. There would be a number of companies that would be ready to buy your jewelery that may be in gold, silver or diamond. Your stuff can be old, new, out of fashion, broken or anything else. Now you can very easily get rid of your jewelery if you want to do for any reason whether it has becomes out of fashion or whether you need cash help. Since there would a lot of option available to you, you need to be careful in choosing a deal that would provide you the maximum values of your possession.

Applying for loans against jewelery is quite simple. You only have to fill an online with your personal details and with the details of your things, which would be given on the websites of the companies. After they would get your application form, they experts from the company would contact you. Once the deal gets fixed, you would have to courier your jewelery to them whose charges would be bearded by them. The money one would get in his account would be completely based on the condition of his materiel and the rules of the companies. Once you repay the money in time, you would get your jewelery back.

Xavier Alexander is a well known Financial Consultant. He provide useful advice through his articles on payday loans uk and bad credit loans instant decision

Importance Of Jewelry Hallmarks

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A jewelry hallmark is the engraved stamp that is often found on authentic pieces of jewelry, denoting the weight of the metal used in producing that particular item. While it is a mark often found on pieces of jewelry, other items made of precious metals often also carry a hallmark to signify the quantity and quality of the metal used.

The jewelry hallmark on an item assumes extreme significance for the purchaser for several reasons:

To Judge Authenticity:
While jewelry hallmarks themselves can be faked or duplicated, and therefore do not provide an infallible testimony to the quality or authenticity of the articles on which they are embossed, they are often the easiest way to judge the age and genuineness of a particular item.

While there is no way to be absolutely sure about the dependability of such a hallmark, it is the closest one can get to a guarantee of quality and authenticity that remains with the item even if it’s passed from one owner to another. Through re-selling and alteration, the piece of jewelry can still retain the original hallmark that is embossed upon it upon being manufactured.

Indicative of Content:
For an individual looking to buy jewelry from a reputable jewelry store or reliable manufacturer, the hallmark is simply a way of determining the metal content of the piece since it indicated the constituency and sometimes age of the item. Since jewelry is often an investment on the part of the customer, the fact that the hallmark can provide an estimate of the content and therefore value of the item they are about to purchase, becomes extremely significant to the buyer.

On the part of the purchaser, it is simply a matter of turning the item over in order to check the hallmark, since it is usually stamped into the underside of a piece of jewelry.

Maker’s Mark:
Sometimes, though not always, pieces of jewelry also carry a mark or stamp of the manufacturer who produced it. More famous jewelry designers and artifact stores usually put their own symbol all hallmark on their items alongside the jewelry hallmark.

If you’re looking to buy jewelry by a particular designer or company, this stamp is also extremely important. Not only does it guarantee the quality of the item since the manufacturer is automatically responsible for any lapse, it also adds to the resale value of the piece, since it can be traced back to a reliable source.

Jewelry Dating:
The jewelry hallmark also helps date a particular piece of jewelry, and to place it in a historical context if it’s ancient. One can determine the time in which the item was crafted, by studying the jewelry hallmark on it. Although this takes expertise and a good eye, some people are experienced enough to place a piece of jewelry in terms of when it was produced, and by whom, simply by looking at the jewelry hallmark.

If you are looking to purchase jewelry from a particular period, the jewelry hallmark must be taken into account before you make your purchase, since it provides an insight into the history of the jewelry in question, aside from providing a guarantee of its authenticity.