The Gemstone And Their Meanings

In most traditional relationships, women expect their man to give them gifts of jewelry, and the men do so. Today, more women are paying special attention to giving jewelry to their men than ever before.

Giving jewelry to your spouse or romantic partner has always been a popular gift. Often holidays like Christmas, anniversaries and Valentine’s Day prompt men to run to the jewelry store for something shiny and expensive. Imagine how much more valued this gift would be if given without a major holiday attached to it. Why not give your partner jewelry for no particular reason, other than love?

Diamonds are always popular when it comes to choosing jewelry, other gemstones or simply silver and gold can be just as popular. You probably know that each month has a gemstone that represents it, and those gemstones each have a symbolic meaning. If you really want to blow your partner away, select your jewelry for it’s significance to a particular month (birthday or anniversary for example) or for another more personal meaning.

Here’s a brief look at the gemstone for each month and their meanings.

January – garnet, represents faith and stability and is available in many colors, except blue
February – amethyst, represents sincerity and happiness and is royal purple in color
March – aquamarine, represents hope and bravery and is a blue-green or sea-green color
April – diamond, representing joy and innocence
May – emerald, represents peace and tranquility and is always green
June – pearl, standing for wisdom and pureness
July – ruby, represents passion and nobility and is always a beautiful red
August – peridot, stands for patience and has a yellowish-green color
September – sapphire, represents honesty and hope and is available in a variety of shades of blue
October – opal or tourmaline, represents confidence and sweet love
November – topaz or citrine, stands for friendship and faithfulness and both are brown through orange or yellow
December – turquoise, represents understanding and success. In 2002, the AGTA added Tanzanite as another December birthstone

As with any gift from the heart, presentation can count nearly as much as the gift. How would you feel if your beloved just tossed you the diamond ring and said “Gotcha something?” Now, what if they went to some amount of effort to present it to you? There movies and personal stories everywhere about how people have presented a special piece of jewelry to their spouse. Believe it or not, food is one of the most popular methods! People tend to place rings in champagne or other clear beverages or bake it into their special person’s favorite pie or cake. What is often left out of these stories is the precautions you need to take. Make sure your loved one doesn’t actually eat your gift, or worse, choke on it. Next, check with your jeweler about any physical precautions. Champagne will actually dissolve pearls and if you baked a ruby it may crack!

Giving the gift of a lifetime is a significant investment, and you shouldn’t enter into it lightly. Do your research, make sure you know what you’re buying, and how to make a good decision.

You can visit the website for the Jewelry Information Center at www.jic.org for free advice on a variety of jewelry related topics.

About Author
Jeff Rose has published an eBook on returning the romance to a marriage entitled 'The Magic Marriage.' Check out the free tips available at http://www.magicmarriage.com/tips.htm

The Gemstone And Their Meanings

In most traditional relationships, women expect their man to give them gifts of jewelry, and the men do so. Today, more women are paying special attention to giving jewelry to their men than ever before.

Giving jewelry to your spouse or romantic partner has always been a popular gift. Often holidays like Christmas, anniversaries and Valentine’s Day prompt men to run to the jewelry store for something shiny and expensive. Imagine how much more valued this gift would be if given without a major holiday attached to it. Why not give your partner jewelry for no particular reason, other than love?

Diamonds are always popular when it comes to choosing jewelry, other gemstones or simply silver and gold can be just as popular. You probably know that each month has a gemstone that represents it, and those gemstones each have a symbolic meaning. If you really want to blow your partner away, select your jewelry for it’s significance to a particular month (birthday or anniversary for example) or for another more personal meaning.

Here’s a brief look at the gemstone for each month and their meanings.

January – garnet, represents faith and stability and is available in many colors, except blue
February – amethyst, represents sincerity and happiness and is royal purple in color
March – aquamarine, represents hope and bravery and is a blue-green or sea-green color
April – diamond, representing joy and innocence
May – emerald, represents peace and tranquility and is always green
June – pearl, standing for wisdom and pureness
July – ruby, represents passion and nobility and is always a beautiful red
August – peridot, stands for patience and has a yellowish-green color
September – sapphire, represents honesty and hope and is available in a variety of shades of blue
October – opal or tourmaline, represents confidence and sweet love
November – topaz or citrine, stands for friendship and faithfulness and both are brown through orange or yellow
December – turquoise, represents understanding and success. In 2002, the AGTA added Tanzanite as another December birthstone

As with any gift from the heart, presentation can count nearly as much as the gift. How would you feel if your beloved just tossed you the diamond ring and said “Gotcha something?” Now, what if they went to some amount of effort to present it to you? There movies and personal stories everywhere about how people have presented a special piece of jewelry to their spouse. Believe it or not, food is one of the most popular methods! People tend to place rings in champagne or other clear beverages or bake it into their special person’s favorite pie or cake. What is often left out of these stories is the precautions you need to take. Make sure your loved one doesn’t actually eat your gift, or worse, choke on it. Next, check with your jeweler about any physical precautions. Champagne will actually dissolve pearls and if you baked a ruby it may crack!

Giving the gift of a lifetime is a significant investment, and you shouldn’t enter into it lightly. Do your research, make sure you know what you’re buying, and how to make a good decision.

You can visit the website for the Jewelry Information Center at www.jic.org for free advice on a variety of jewelry related topics.

About Author
Jeff Rose has published an eBook on returning the romance to a marriage entitled 'The Magic Marriage.' Check out the free tips available at http://www.magicmarriage.com/tips.htm

Protect Your Jewelry When Traveling

If you have travel plans in your future, think carefully if you really need to take all your expensive jewelry. The risk of theft, loss and damage increases as soon as you start your trip because you are in new surroundings, doing new activities and often in tourist areas that are the target of pickpockets, thieves and con artists.

If you are traveling out of the country, check to be sure your jewelry insurance covers your property when you are traveling outside the United States. Because the risk of theft is so much higher in foreign countries, some insurance companies only provide domestic coverage.

To avoid inviting crime, plan to dress inconspicuously to blend into the environment, especially when in another country. When traveling internationally, consider taking and wearing no jewelry. Criminals assume all tourists are wealthy so if you choose to wear jewelry, turn rings around so the diamonds are not showing and avoid dangling earrings. Large, expensive-looking jewelry is an attractive target and it is easy to snatch dangling earrings.

It is never wise to put jewelry items in checked baggage, especially with security personnel going through your belongings. The percentage of bags lost by airlines continues to increase and their liability for your lost luggage is very limited. Keep your jewelry and other valuables like money, keys, wallets, tickets, cameras, and medications in your carryon luggage. If airport security requires going through your carryon, request a private place so other travelers will not see your valuables.

Be especially careful with your valuables in hotel rooms because they are open to cleaning personnel several times a day and safes in hotel rooms are not particularly secure. How many times have you walked by hotel rooms with doors wide open and cleaning crews not visible? Professional criminals know the cleaning procedures and can quickly enter your room when cleaning service personnel are not looking.

If you do not put your jewelry in your luggage or leave it in your hotel room, that means you are carrying it with you but that can be a problem at the security checks at airports or when carrying something all day as you travel or are sightseeing. Many valuables disappear after being left for a few moments in a bag at a restaurant, transportation waiting room, restroom, or ticket line. Thieves patiently wait for travelers to let their guard down for just a minute and grab their bag without anyone noticing.

Theft is only one of the risks when traveling. Often a vacation includes some time at the beach, pool or hot tub. The sand and concrete can easily scratch precious metals in jewelry as well as gemstones that are not as hard as diamonds. Chlorine can also weaken and discolor precious metals. Travelers often expose their jewelry to risks they would never think of doing at home.

Carrying jewelry when traveling also needs some special care. Diamonds, gemstones and metal can scratch each other if carried together in a single bag. Place fine jewelry in separate cloth bags or put in separate compartments of a jewelry bag made for travel. Then be sure to carry the jewelry case in a purse or carryon.

The purpose of most vacations is to relax, not to impress the locals, so minimize jewelry when traveling. If you do take jewelry, be aware that you are in new and potentially dangerous surroundings. Take special care of your valuables and enjoy your trip.

More info.

Protect Your Jewelry When Traveling

If you have travel plans in your future, think carefully if you really need to take all your expensive jewelry. The risk of theft, loss and damage increases as soon as you start your trip because you are in new surroundings, doing new activities and often in tourist areas that are the target of pickpockets, thieves and con artists.

If you are traveling out of the country, check to be sure your jewelry insurance covers your property when you are traveling outside the United States. Because the risk of theft is so much higher in foreign countries, some insurance companies only provide domestic coverage.

To avoid inviting crime, plan to dress inconspicuously to blend into the environment, especially when in another country. When traveling internationally, consider taking and wearing no jewelry. Criminals assume all tourists are wealthy so if you choose to wear jewelry, turn rings around so the diamonds are not showing and avoid dangling earrings. Large, expensive-looking jewelry is an attractive target and it is easy to snatch dangling earrings.

It is never wise to put jewelry items in checked baggage, especially with security personnel going through your belongings. The percentage of bags lost by airlines continues to increase and their liability for your lost luggage is very limited. Keep your jewelry and other valuables like money, keys, wallets, tickets, cameras, and medications in your carryon luggage. If airport security requires going through your carryon, request a private place so other travelers will not see your valuables.

Be especially careful with your valuables in hotel rooms because they are open to cleaning personnel several times a day and safes in hotel rooms are not particularly secure. How many times have you walked by hotel rooms with doors wide open and cleaning crews not visible? Professional criminals know the cleaning procedures and can quickly enter your room when cleaning service personnel are not looking.

If you do not put your jewelry in your luggage or leave it in your hotel room, that means you are carrying it with you but that can be a problem at the security checks at airports or when carrying something all day as you travel or are sightseeing. Many valuables disappear after being left for a few moments in a bag at a restaurant, transportation waiting room, restroom, or ticket line. Thieves patiently wait for travelers to let their guard down for just a minute and grab their bag without anyone noticing.

Theft is only one of the risks when traveling. Often a vacation includes some time at the beach, pool or hot tub. The sand and concrete can easily scratch precious metals in jewelry as well as gemstones that are not as hard as diamonds. Chlorine can also weaken and discolor precious metals. Travelers often expose their jewelry to risks they would never think of doing at home.

Carrying jewelry when traveling also needs some special care. Diamonds, gemstones and metal can scratch each other if carried together in a single bag. Place fine jewelry in separate cloth bags or put in separate compartments of a jewelry bag made for travel. Then be sure to carry the jewelry case in a purse or carryon.

The purpose of most vacations is to relax, not to impress the locals, so minimize jewelry when traveling. If you do take jewelry, be aware that you are in new and potentially dangerous surroundings. Take special care of your valuables and enjoy your trip.

More info.

Jewelry insurance

Jewelry insurance comes in many forms and varieties and only an insurance agent can provide accurate and specific advice. However, it helps to know enough about jewelry insurance to ask your agent the right questions and to be aware of how the process works. The time to ask your insurance agent the questions is before you insure an item, not when you need to file a claim. Read the fine print in your insurance contract to be sure it provides the coverage you expect.

Understanding jewelry insurance begins with recognizing the difference between scheduled and unscheduled property.

Unscheduled property (jewelry not specifically listed) is typically included in basic homeowner or renter’s policies under blanket coverage. There is a usually a deductible (typically $500) and a maximum amount of coverage (typically $1500) although these amounts can vary with the specific policy. This type of coverage does not require an appraisal but sales receipts, written descriptions or photos are beneficial in proving the items existed and estimating their replacement value.

Scheduled property (jewelry specifically listed) is included in a floater, rider or endorsement to homeowner or renter’s policies. Jewelry insurance is also available with a separate policy, from a company specializing in jewelry insurance. For scheduled property, the insurance appraisal is vital because it describes the jewelry item and provides the “insured value” that is used in determining the premium you will pay to insure the item each year. Most scheduled property policies do not have an automatic appreciation adjustment as is common for the house and other unscheduled property. Therefore, even if it might cost 50% more to replace an item in five years, the “insured value” is still only that stated in the appraisal.

If you file an insurance claim, the settlement process and amount paid will depend on the policy and in particular, if the policy allows replacement or agreed value settlement. For agreed value policies, the settlement amount is stated in the policy whereas replacement value allows the insurance company to replace your jewelry or make a cash settlement based on the insurance company’s cost to replace your item. The insurance company’s liability ceiling is set at the “insured value” on the appraisal.

Do you have enough jewelry insurance? The answer depends on what kind of policy you have, the “insured value” is on the appraisal, the settlement procedure is for your particular policy, and the accuracy of the information on your appraisal. If you have a jewelry item valued at more than the $1500, you should definitely consider scheduled as opposed to unscheduled coverage.

The critical issue for scheduled property coverage is the how accurate is the information on the appraisal.

1) If the information on the appraisal is vague and general, the insurance company can replace the item with an item that satisfies the description but perhaps is not the quality and true value of the lost item. Be sure your jewelry appraisal has a detailed and accurate description of the jewelry item.

2) If the appraisal value is artificially high, the insurance company can replace the item at their cost even though the client paid premiums for years on a value twice as much. This is often the case for purchases from a jewelry store with prices double other retailers and the store provides an insurance appraisal even higher than the purchase price. You do not need an appraised value more than 150% of the price you would pay at low priced online retailer.

3) If the appraisal value is too low, the insurance company can make cash settlement that might not cover the current replacement cost of the item. This could be the case for items purchased three or four years ago from a low price online retailer and the appraised value was at or below the purchase price. With diamond prices increasing about 10% a year recently, it does not take long for appraisal values to be out of date if too close to online retail purchase prices. Be sure to have your jewelry insurance appraisal updated every four or five years so you do not end up under insured.

About Auther

Jewelry insurance

Jewelry insurance comes in many forms and varieties and only an insurance agent can provide accurate and specific advice. However, it helps to know enough about jewelry insurance to ask your agent the right questions and to be aware of how the process works. The time to ask your insurance agent the questions is before you insure an item, not when you need to file a claim. Read the fine print in your insurance contract to be sure it provides the coverage you expect.

Understanding jewelry insurance begins with recognizing the difference between scheduled and unscheduled property.

Unscheduled property (jewelry not specifically listed) is typically included in basic homeowner or renter’s policies under blanket coverage. There is a usually a deductible (typically $500) and a maximum amount of coverage (typically $1500) although these amounts can vary with the specific policy. This type of coverage does not require an appraisal but sales receipts, written descriptions or photos are beneficial in proving the items existed and estimating their replacement value.

Scheduled property (jewelry specifically listed) is included in a floater, rider or endorsement to homeowner or renter’s policies. Jewelry insurance is also available with a separate policy, from a company specializing in jewelry insurance. For scheduled property, the insurance appraisal is vital because it describes the jewelry item and provides the “insured value” that is used in determining the premium you will pay to insure the item each year. Most scheduled property policies do not have an automatic appreciation adjustment as is common for the house and other unscheduled property. Therefore, even if it might cost 50% more to replace an item in five years, the “insured value” is still only that stated in the appraisal.

If you file an insurance claim, the settlement process and amount paid will depend on the policy and in particular, if the policy allows replacement or agreed value settlement. For agreed value policies, the settlement amount is stated in the policy whereas replacement value allows the insurance company to replace your jewelry or make a cash settlement based on the insurance company’s cost to replace your item. The insurance company’s liability ceiling is set at the “insured value” on the appraisal.

Do you have enough jewelry insurance? The answer depends on what kind of policy you have, the “insured value” is on the appraisal, the settlement procedure is for your particular policy, and the accuracy of the information on your appraisal. If you have a jewelry item valued at more than the $1500, you should definitely consider scheduled as opposed to unscheduled coverage.

The critical issue for scheduled property coverage is the how accurate is the information on the appraisal.

1) If the information on the appraisal is vague and general, the insurance company can replace the item with an item that satisfies the description but perhaps is not the quality and true value of the lost item. Be sure your jewelry appraisal has a detailed and accurate description of the jewelry item.

2) If the appraisal value is artificially high, the insurance company can replace the item at their cost even though the client paid premiums for years on a value twice as much. This is often the case for purchases from a jewelry store with prices double other retailers and the store provides an insurance appraisal even higher than the purchase price. You do not need an appraised value more than 150% of the price you would pay at low priced online retailer.

3) If the appraisal value is too low, the insurance company can make cash settlement that might not cover the current replacement cost of the item. This could be the case for items purchased three or four years ago from a low price online retailer and the appraised value was at or below the purchase price. With diamond prices increasing about 10% a year recently, it does not take long for appraisal values to be out of date if too close to online retail purchase prices. Be sure to have your jewelry insurance appraisal updated every four or five years so you do not end up under insured.

About Auther

Women's Guide to Getting Their Dream Diamond Engagement Ring

How can women get their dream diamond engagement ring when it is the boyfriend making the purchase and wanting it to be a surprise? To find the answer you need to understand your man’s thought process. After all, he is shopping for a diamond, the symbol of his love for you.

The man shopping for an engagement diamond has three primary shopping priorities:

1) They want to make a good investment
2) They want to make you happy
3) They fear disappointing you or worse yet, rejection

On all three points, men act out of fear of making a mistake. Their pride and desire to surprise their girlfriend typically prohibit them from asking the woman’s advice. As men so often do, they try to apply logic to what is a very emotional decision.

Most men attack diamond shopping the same as any other problem they face. They research the subject, gather all the facts (often in a spreadsheet), and then make a logical decision. They assume you will have the same priorities they have so they focus on what will be a good investment. They seek a high quality diamond fearing that anything less will as somehow imply some lower level of love.

The man’s first stop is often the jewelry store in the closest shopping mall. They walk in the door and realize they just entered a world foreign to them. They look at rings in the display cases and see more zeros in the price tag than they have seen since they bought their car. Their heart starts pounding as they realize they have to spend thousands of dollars on a tiny little rock they know nothing about, then give it away to someone else or worse yet, face rejection.

Now their legs are shaking so they decide they need to do more research and do it in a friendlier environment. They head home, turn on the computer, and start searching online for clues on how to survive the diamond buying process. Their goal is to find a pretty ring their girlfriend will like and have a few dollars left in their pocket. They feel more comfortable with the discussions of the four C’s (color, clarity, carat weight and cut) where they can match up those letter grades with their budget to find some possible options. However, with a little knowledge comes the sinking feeling that there is a whole lot more for them to learn in order to protect themselves from making an expensive mistake. They become even more determined not to make a mistake so they spend the next weeks and months gathering ever fact and opinion they can find on diamond buying. It is almost like trying to get a drink from a fire hydrant. There is just too much to drink in.

It is at this stage of the shopping process men sometimes forget the reason they started on this adventure in the first place. They can lose sight of the fact that their primary goal is to make their girlfriend happy.

If you are a woman, by now you are probably getting the picture. However, you are asking yourself, what should I do to help ensure the diamond of my dreams and the proposal moment as romantic as I hope?

Here are some suggestions that can help make your dreams come true:

1) Do some shopping yourself so you can tell your boyfriend what shape of diamond you like best on your finger. Do not leave it up to him to guess wrong.

2) If you sense this is going to be mostly a surprise gift, drop some subtle hints about what kind of mounting (solitaire, side stones, etc.) you want for your diamond. If you do not know, hint you want something very simple so he does not make an expensive mistake.

3) If you have a strong preference for the type of metal in the ring (yellow gold, white gold, platinum), find a way to tell him.

4) If you have the type of relationship that supports it, get involved in the diamond buying process. There are more couples shopping together for the engagement ring now than ever before and the result is often higher levels of happiness and lower levels of stress.

Many couples now shop together so the boyfriend knows what shape of diamond the girlfriend likes, knows what style of mounting she likes and then he takes that knowledge to buy the ring on his own timetable and make the presentation a surprise.

The bottom line is your man is trying, to the best of his ability, to do all the right things to make you happy. You just need to be patient and try to appreciate the effort he is making on your behalf. If you would like to see this diamond gift giving repeated, then by all means tell him how proud you are of his research show him how much you love that sparkling diamond on your finger.

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