In Jewelry: A Collection of the Hottest Jewelry News

What’s new in the world of jewelry? Here are hot news items culled from various fashion, entertainment and jewelry sources from around the world.

  • Fall jewelry colors: bright and warm. Fall jewelry colors will contrast brighter-than-usual warm colors against versatile neutrals. Some “in” colors include Phlox (deep purple), Orchid Hush (gray with orchid undertones), Deep Teal (watery blueish green), Quarry (cool medium gray) and Cedar (midtone neutral green), Nougat (warm tan), Emberglow (bright warm orange), Bamboo (warm yellow with greenish undertone), Coffee Liqueur (rich creamy brown) and Honeysuckle (Awarded “Color of the Year” for 2011 by color technology company, Pantone).
  • Real jeweler visits “Real Housewives.” Real-life jeweler Erica Courtney appeared on the October 3 episode of Bravo’s “Real Housewives of Beverly Hills.” Courtney did a walk-on to show housewife Camille various glittery gems she could wear to the Tony Awards.
  • Celebrities gaga over cocktail rings. Celebrity Jewelry Gawk observed that today’s hottest celebrities are all about cocktail rings this season. From large, ornamental designs to more delicate feminine styles, cocktail rings are being seen on the red carpets of the world.
  • Survey reveals most consumers prefer to sell to a jeweler. Most consumers prefer to sell their unwanted gold at local jewelry stores, according to a survey by MVI Marketing’s Jewelry Consumer Opinion Council. The survey found that 60 percent of people who sold gold did it at a local jewelry retailer, while 14 percent sold their gold through a television offer. Only 10 percent sold their jewelry at a one-day event.
  • Company claims it can determine origin of diamonds. Texas company Materialytics claims it can determine the origin of a diamond with 95 percent accuracy. Materialytics uses lasers to determine the chemical composition of a mineral, then matches it against a database of that object’s properties. The company does not yet plan to market its technology, but there is much interest in the industry, in part due to its impact on the blood diamond trade.
  • Citizens in Southwest Alaska voted to prevent the construction of the Pebble Mine in Alaska’s Bristol Bay. The ballot vote was conducted by mail among residents of the Lake and Peninsula borough. Residents voted 280-246 against building the mine. The Pebble project is controversial because critics say it will destroy the surrounding salmon habitat, along with the long-standing fishing business that goes with it. Jewelers including Zale and Tiffany support anti-mining efforts. The Pebble Partnership and the State of Alaska view the initiative as unconstitutional since it covers state-owned lands, and will challenge it in Alaska’s Superior Court.

4 Basic Web Business Tools To Start Promoting Home Businesses Online

If you are looking for some simple steps to start a long-term home business online, the following four web business tools are very important to your success; so whatever niche you are in you are going to need a website, an auto-responder, an opt-in page and a link-cloaker.

You are going to need a website.

For most people starting a home business online, there will be some challenges and you will require time to know the marketing strategies to operate a successful online home business. Having a lucrative home business website gives you more time to learn and focus on your skills and abilities, promoting on a centralize platform. A website gives you more access to wide-scale marketing because you can usually have your website links on other networking sites to build back-links.

You are going to need an auto-responder service.

A home business online works effectively using automation tools to provide you with ease in delivery of your home business ideas, messages and announcements; it is important to have an auto-responder service. An auto-responder service set-up on your website will help you to secure important information about your visitors and, having such information will help you to understand more about your target market. An auto-responder service is design to deliver a set-up email series/newsletter to keep an update with your online customer/subscriber base.

You are going to need an opt-in page.

You will need to have an opt-in page, or what is call a “capture page”, on your business website so you can offer your visitors some incentives to try your product or business ideas; this kind of strategy will help you to build a very responsive subscribers/ customers list. Some marketers use an opt-in page to build their list purposely for future product launch or business training.

You are going to need link-cloaker.

You will have to protect your business and product links from being hacked or from other users who try to steal your commission. If you are promoting affiliate programs, a link cloaker is a useful marketing tool that allows you to change the formation of your links. You can usually search and find link-cloaking software that you can use for free. has a service that you can use for free and it also does some of the tracking of your links; it is best to cloak your link when you have doubts.

You can promote your home business using a website with an opt-in page to collect prospects info and your auto-responder to send them relevant information on a timely basis. You can never be too secure when you work from home online; therefore, having some marketing tools to protect your links from commission theft is a priority when promoting a home business online.

Quick Access To Making Money Online

Because a lot of people are in dire financial straits, it is not surprising that many of these individuals search for quick access to making money online. There is a wealth of ideas in the internet and people turn to the World Wide Web for information. Not only that, with the huge number of people who have internet access, there is a ready market for anything under the sun.

Money Making Ideas Online

If you want some quick cash, you can do freelance work online. Possessing the necessary skills and willingness to work, you can actually earn big bucks. If you’re adept with words, you can blog or write articles for some online clients. Website design and software programming are also great income-generating freelance work. When you work as a freelancer, you determine your working hours. Your earning potential is dependent on the amount of time you can devote to freelancing.

Another way to having quick access to making money online is to sell your items at eBay. Cleaning your room for items which you don’t need any more can provide you the extra cash you need. Your old yet unused items may be the items some online buyers are looking for. You can also make money by providing consulting or coaching services. If you’re good at listening to other people’s woes, you can start a coaching service online. However, for you to prosper in this field, you must have the expertise in a coaching field so that your clients will trust and respect you.

If you want to earn money online, you can turn to affiliate marketing. However, you have to setup your own website so that you can promote products and services of other people. You also have to understand marketing in order to maximize the earning potential of your website. But, you have to understand that earning through affiliate marketing is totally dependent on you. You have to draw potential customers to your website so that you can encourage them to buy the products and services you’re promoting.

You can also sell your own products online. Your hobbies can be turned into income-generating endeavors. Earning money from the sale of your products may take a long time to attain. However, if you’re focused in implementing ways to get your target market to buy your products, it can provide you a steady income in the future. If you’re a photographer, you can earn quick cash by selling your pictures online. People who are searching for cool pictures will quickly notice your photos if you know how to take great pictures. If you’re creative, you can also sell unique products you made. You can search for ideas around then create something from it to sell to online buyers.

Aside from selling online, there are also online clients who are willing to hire people to do part-time work for them. You can work as a virtual assistant for somebody who owns a small business. As a virtual assistant, you can write business correspondences, follow up on collections, or book travel tickets and accommodations for your online employer.

How to Find Property Value the Way the Pros Do

The key to hitting a home run in Real Estate investing is to buy a property with strong income potential for less than the market value of that income. This, actually very simple process, is usually the determining factor in a successful property investment strategy. In order to buy a property below the value of its current or potential revenue it is essential to make an accurate analysis of the both the property and its future earnings. This should be done at the very beginning as a way of screening potential investments. To do this accurately however, there are a few key indicators to keep an eye on.

Cash Flow
A strong and stable cash flow is the backbone of any good investment property, and can very easily be compared to other similar properties as an indicator of the properties’ relative performance. To calculate monthly cashflow simply subtract the properties’ mortgage from its total rents, it should go almost without saying that if this number is negative its best to walk away, at least for a novice investor.

Cash On Cash Return
Not a very important measurement technically speaking, the cash on cash return simply indicates how long it will take the property to pay of the down payment. The strength of the cash on cash return analysis is that it essentially compares properties’ prices to income levels as a ratio. To determine the cash on cash return for a property multiply the monthly cashflow by 12 which gives the properties’ annual cashflow, then divide your down payment by the annual cashflow.

Gross Income
One of the most basic and occasionally miscalculated indicators, the Gross income is simply the sum of all the properties’ income streams. Typically this will mean the total of all rental income, but other income such as laundry machines or storage should be included as well. The addition of some of these additional streams of income may turn a seemingly poor income property into a real money maker.

Effective Gross Income
A more realistic look at a properties gross income, the effective gross income factors in the vacancy rate. It is calculated by taking the gross income as an annual total and subtracting the percentage of vacancy. This is an important filter for taking a closer look at properties that seem too good to be true, often a property will have a very low vacancy rate because the rental rate is too low, or a very high rental rate and concordantly a fairly high vacancy rate. Ideally investment properties should find a balance between profitability and stable predictability.

Net Operating Income
Perhaps the first real glimpse at an investor’s potential income from a property, the net operating income is derived by subtracting the operating expenses from the effective gross income.

Capitalization Rate
The capitalization rate, often referred to as the CAP rate, looks at the properties net income in terms comparable to a more conventional investment such as CD’s or bonds. To determine the CAP rate for a property divide the total sales price by the net operating income. It is worth noting that the CAP rate looks at the property as if it were paid for in cash with absolutely no financing.

Debt Service
Debt service is essentially industry jargon for the monthly mortgage payment. It is important to compare apples to apples when dealing with debt service, however, the previous owners may have had extremely good or bad credit or purchased the property at a time when interest rates were either very high or very low, dramatically affecting the amount of their interest payment and the rate and terms of their loan. Also be sure to look at the number of loans on the property, as there may have been second or even third lines of credit taken against it. This is an important step for generally calculating a properties income potential, however, bear in mind that it is only an estimation at this stage.

Operating Expenses
The operating expenses are all of the properties other expenses aside from any mortgage payment or debt service. These usually include insurance and property taxes as well as landscaping, maintenance, repairs and management fees, and possibly others depending on the property. Always be sure to verify that the properties expenses actually are what a seller claims they are, this may require some digging but it is much easier than being stuck in a property that is losing money every month.

A vacancy is any unit that is either unoccupied or is occupied by a tenant who does not pay rent. Many owners would rather sell than try to deal with a difficult or unruly tenant who refuses to pay, whether the tenant can be evicted or not is an important consideration before moving forward on any such property.

Vacancy Rate
The number of vacancies per year divided by the number of units, for smaller one to four unit properties it is a good idea to calculate vacancy over at least 3 to 5 years to get an accurate measurement of it. While some degree of vacancy is natural, too much could be an indicator that the current rental rate is too high or even signal a change in the local Real Estate market.

In time crunching the numbers on a list of potential investment properties becomes fun and fairly easy to do, many seasoned investors can perform a quick analysis literally on the back of a napkin. Bear in mind too, that these are not the only indicators of a property’s value; there are many more sophisticated, technical ways to determine a properties true value, however for small properties these will serve as a good indicator of whether the property deserves a closer look or not.