Archive for March 2008
Bad Credit Score
Are you know that the bad credit score will cost you more in paying your credit cards, loans, insurance premiums and mortgages. That’s why you need to improve it if you do not have good credit score. Just check your free credit report and score immediately. Bad credit is a stain on your credit history which can hamper your future chances of acquiring loan or capital. The credit rating is on a regular basis tackled by credit rating agencies.
Start by getting a free copy of your credit report and score. Analyze the report for errors. Start by making a list of all your existing loans and credit cards, with the company names, account numbers and monthly payment amounts. This will help you to analyze the information shown on your credit report. If there is an error on your credit report, write to the credit bureau and have it fixed.
Lenders use credit scores and ratings to decide who gets approved for loans – and at what rates. With a bad credit score, you will have a hard time getting approved for credit or you may face very high interest rates on loans that you are approved for. Lenders like you to use only a small percentage of your available credit so you don’t appear to be maxing out your cards. Charging $3,000 when you have a $10,000 limit, for example, looks a lot better than charging $3,000 when your limit is only $5,000. Lenders charge more interest to those with lower scores in an attempt to recoup the money loaned out.
Late payments, delinquency, and collections can have a damaging impact on your FICO score. If you have missed any payments, you need to get current as soon as possible and stay current. Late payments will result in lowered chances of securing a mortgage, loan or line of credit. At this time, you will need a credit repair services.
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About Gemstone Dimensions
Gemstones can also be measured in dimensions (diameter, length, and width). It is important to know the dimensions to ensure that the gemstone weight will be visible and well proportioned in the setting.
Treatment
Gemstones are often treated to enhance color and fill cracks. Please note that, if a gemstone has been treated, this information will be provided in the specifications on the stone’s product detail page. There are various accepted techniques, depending on the type of stone. For example, oils and resins are frequently used to fill surface-reaching fissures in emeralds and rubies. This process is not permanent, however; if a treated ruby or emerald is subjected to high heat from a jeweler’s torch, an ultrasonic or steam cleaner, or even hot dishwater, the filler may leak out of the stone. Sapphires and rubies are often heated in a kiln or furnace to enhance their color. Such heat treatment, which is considered permanent, has been used for centuries. Lightly colored sapphires may also undergo diffusion treatment. This is done by heating a stone in the presence of coloring elements such as titanium or iron, which causes a thin layer of color to be diffused into the stone’s surface. Because this color layer is so thin, a diffusion-treated sapphire should not be repolished.
Care
To clean gemstone jewelry, first wipe it with a soft cloth to remove any dirt. Emeralds require only the use of a soft cloth, as cleaners may damage these soft gems. Sapphires and rubies can be cleaned with either an ultrasonic cleaner or a solution of one part ammonia to six parts water, with a soft brush. Store your gemstone jewelry in a soft cloth pouch or jewelry case so it does not touch other pieces in your collection. As with all jewelry, normal wear and tear can loosen prongs and settings, so it is a good idea to have it checked by a professional jeweler who can make repairs as needed.
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