Tuesday, April 14, 2009

Safe, Scenic & Secure Sussex County Delaware

As I write this, there is a considerable concern about the dangers of urban life, triggered by the terrorist attacks on the USA. As some of you know, I have been a student of disaster preparations and a real estate consultant for those seeking “secluded and survival properties” for over thirty years.

At one time, I had a several hundred item checklist for my “Survivalist” clients to read and check off for me so that I could guide them to what they considered to be the most Utopian place to live safe and secure with their family. I guess it could be said that some of my clients were -- at least eccentric, but the common thread running through all of their needs and wants was to be able to live safely and securely regarding all possible or likely threats, whether man made or natural.

The most common concern of those who wanted to find a better place to live was a fear of urban riots and terrorism. After that, the concerns were safe schools for the children, a low crime rate, clean air, clean water, friendly communities, and quite often they wanted as little intrusion into their personal lives, as possible, from the various government agencies.

There was always the concern about earthquakes from those who came from California. There was concern about tornadoes from those in the Midwest. One of the greatest concerns about power outages came from those in the northern areas. Concern about hurricanes and terrible storms came from those who lived close to the coast and from those in the south. There was also an often, at first unstated, fear of nuclear, biological and chemical attacks.
So to sum it up, the so called Survivalists were just people, people like the rest of us in many ways, and people interested in having a better life, free of violence and trouble from any predictable natural or man-made sources. They just wanted what we all want, a better life! Now, since the eleventh of September, the concerns of those “Survivalists” are exactly the concerns of nearly everyone. We are getting quite a few calls and thousands of contacts on our web sites, from those looking to get out of the city and come to the country. Rural Living is making more and more sense to more and more people.

Some of those who hired me in the past wanted to purchase caves or played out coal mines so that they could have an affordable way to have a safe “bunker”. Some people have been taught by the media to invalidate anyone who has that bunker mentality. However, we seem to think it’s just fine for all of our government officials to have numerous bunkers and shelters and safe places to go. Most highly placed government officials, at county, state and federal levels; have a selection of these safe and sheltered places to go. We don’ t but we purchase their retreats with our tax dollars.

Some of those past clients wanted a special remote access property, one with difficult or impossible access such as a winding mountain road or a tunnel into the property which they could close off for their own personal security and for that of their family. Some wanted energy efficiency and many wanted to be able to grow most or all of their own food. This was always a very small micro percentage who wanted these things and far fewer who were willing to pay for them. There are hundreds of people, outside of government officials, who seek a safe place to be in the case of disaster, but few of them ever take the step to purchase one.

In all of those years of searching for “perfect places” and Utopian retreats I learned a lot and eventually presented seminars several times. Some of those preparing for the worst and hoping for the best were the Survivalists. Some where those concerned about personal and community preparations such as the Mormons, Conservative Christians, Buddhists, Home Schoolers, Naturists, Organic Gardeners, Vegetarians, and lots of hopeful hermits, back to the soil, Mother Earth types and all manner of folks seeking refuge from the rigors and turmoil of urban and suburban life.

I’ve found the best place, in my well informed opinion, over all, is Sussex County Delaware. I live here myself. I help others move here for the same reasons and others. I’ll tell you why this area is my first choice for safety, lifestyle, security, and permanent “survival” of the best and highest kind.

Other than the first half mile distance inland from our coast we have had virtually no damage from any of the hurricanes which occasionally reach us. We have lots of alerts each year but only a few storms that actually reach us or affect us. In those rare instances when the storms do reach us, they nearly always fail to reach farther than a half mile from the waterfront. In fact only twice since 1955 have the storms done any damage five miles inland, in my experience. On those two occasions it was some downed tree limbs and some flooding of streets or roads at little country bridges and that’s about all. For the coastal areas there is flood insurance which is required, so the beach front area homes and businesses that were harmed were soon repaired.

The quality of our air is wonderful except for a quarter of a mile or less along the Delaware Bay. There we get some very light and nearly undetectable aerial effluent from the Delaware City refineries under certain weather conditions, almost no one is even aware of this minor fact.

Although we are due east of Washington D.C., we don’t get polluted by the air currents from there. From an airplane you can see the D.C. air pollution stop dead at the Chesapeake Bay, which is fifty miles or more from this area. The tempering effects of the Chesapeake Bay, Delaware Bay, Atlantic Ocean and all of our myriad Inland Bays give us a climate like that of South Carolina.

Thomas Jefferson gave us the nickname “Diamond State” because he found our soils and growing season to have a worth like diamonds. This is due to the rich values in farming and gardening that are available in southern Delaware now as it was then.

Our climate is the MOST suitable climate for nearly all American plants. According to the National Park Service botanist our local state and federal parks have the greatest number of different plants of any land location on earth. We have a long and rich agricultural history and a great place to learn about it.

We have a large retirement community here in Southern Delaware due largely to our almost nonexistent property and income taxes. Our taxes are among the lowest in the nation. As a result of this retirement community we have fully capable hospitals, lots of restaurants for every taste, theater, numerous first run movie theaters, music festivals, poetry recitals, over a dozen writers’ groups, great book stores, coffee shops, bake shops and one of the best selections of adult education opportunities anywhere. We also have tax free shopping in over 200 “factory outlet stores”. Our lifestyle is so relaxed here that we are known as Lower, Slower, Delaware. We even sell hats and t-shirts to celebrate this slogan.

More and more people are moving here to telecommute to jobs all over the world. I specialize in helping teleworking folks to find affordable, wonderful homes where they can enjoy life and work at home. You can work in your pajamas, work from the pool or garden or even work naked if you want! We have high speed cable modems, in many areas of Sussex County.

We seldom get much snow here. When we do get a few inches or less it is usually gone, as a result of the warm climate and sea air, within a few hours. When someone moves here, knowing how bad the snows can be in the northeastern United States, they often ask me what to do in preparation for the snow storms. I tell them just get an extra bottle of wine or two and a couple of logs for the fireplace. By the time they’re done with the wine and before the logs are used up, the snow will have usually melted.

Of course we are famous for our beaches and our summer resort life but you can find out all about that in several of my other articles.

Give me a call or e-mail us and we’ll find you something to fit your needs and budget. But call now so you can start enjoying what we all know is the best place in America to live, work and play. My informed survival advice to you is to get out of the city now, leave the urban strife and get a better life. Come to Sussex County Delaware and learn to enjoy the Lower, Slower, Delaware life.

By www.JodyHudson.com copyright 2001

Source of article is:

http://www.kate-jody.com/essays/safesecure.html

Gemstone Jewelry Secrets Revealed

The mystery and magic of colored gemstones has been an integral aspect or the "Lore" of most cultures for many centuries. Here is what noted gemstone experts Antoinette L. Matlins and A.C. Bonanno have to say on the matter.

"The fascination with colored gemstones dates back to the very beginning of civilization. For our ancestors, the blue of sapphire produced visions of the heavens; the red of ruby was a reminder of the very essence of life. By Roman times, rings containing colored gems were prized symbols of power-and the most powerful wore rings on every joint of every finger!

Since ancient times, colored stones have been thought to possess innate magical powers and the ability to endow the wearer with certain attributes. According to legend, emeralds are good for the eyes; yellow stones cure jaundice; red stones stop the flow of blood. At one time it was believed that a ruby worn by a man indicated command, nobility, lordship, and vengeance; worn by a woman, however, it indicated pride, obstinacy, haughtiness. A blue sapphire worn by a man indicated wisdom, and high and magnanimous thoughts; on a woman, jealousy in love, politeness, and vigilance. The emerald signified for a man joyousness, transitory hope, and the decline of friendship; for woman, unfounded ambition, childish delight, and change.

Colored gems, because of the magical powers associated with them, achieved extensive use as talismans and amulets; as predictors of the future; as therapeutic aids; and as essential elements to many religious practices-pagan, Hebrew, and Christian."

Gemstones 101

Natural gemstones are found in nature. Laboratory-created stones, as the name implies, are made in the laboratory. These stones, which also are referred to as laboratory-grown, {name of manufacturer} - created, or synthetic, have essentially the same chemical, physical and visual properties as natural gemstones. Laboratory-created stones do not have the rarity of naturally colored stones and they are less expensive than naturally mined stones. By contrast, imitation stones look like natural stones in appearance only, and may be glass, plastic, or less costly stones. Laboratory-created and imitation stones should be clearly identified as such.

Gemstones may be measured by weight, size, or both. The basic unit for weighing gemstones is the carat, which is equal to one-fifth 91/5th) of a gram. Carats are divided into 100 units called points. For example, a half-carat gemstone would weigh .50 carats or 50 points. When gemstones are measured by dimensions, the size is expressed in millimeters (for example, 7x5 millimeters).

Gemstone treatments or enhancements refer to the way some gems are treated to improve their appearance or durability, or even change their color. Many gemstones are treated in some way. The effects of some treatments may lessen or change over time and some treated stones may require special care. Some enhancements also affect the value of a stone, when measured against a comparable untreated stone.

Jewelers should tell you whether the gemstone you’re considering has been treated when: the treatment is not permanent; the treated stone requires special care; or the treatment significantly affects the value of the gemstone.

Some common treatments that you may be told about and their effects include:

* Heating can lighten, darken or change the color of some gems, or improve a gemstone’s clarity.

* Irradiation can add more color to colored diamonds, certain other gemstones and pearls.

* Impregnating some gems with colorless oils, wax or resins makes a variety of imperfections less visible and can improve the gemstones' clarity and appearance.

* Fracture filling hides cracks or fractures in gems by injecting colorless plastic or glass into the cracks and improves the gemstones' appearance and durability.

* Diffusion treatment adds color to the surface of colorless gems; the center of the stone remains colorless.

* Dyeing adds color and improves color uniformity in some gemstones and pearls.

* Bleaching lightens and whitens dome gems, Including jade and pearls.

In this day and age, gemstones are generally worn for their natural beauty or as a fashion statement, but there are many that "buy-in" to the mythical and mystical symbolisms of gems as well. Whatever a persons reason, the world of gems today offers an almost endless choice. Many new gems have been discovered and are widely available in reds, blues, greens and many unusual shades as well. Enjoy!

For more information or to browse our selection of beautiful jewelry and gemstones besure to visit www.morninglightjewelry.com

Learn How To Buy Jewelry And Gemstones Without Being Ripped Off. This informative Special Report reveals little-known facts and insider trade secrets that many jewelers would prefer you didn’t know. To get your FREE copy please go to http://www.morninglightjewelry.com

A Powerful Suggested Technique for YOUR Home & Property Search

A Powerful Suggested Technique for YOUR Home & Property Search


by Jody Hudson


You can be a pro at buying a home: Whether you are buying your first home or you are an experienced home buyer who owns more than one home, there are some things that can help you get faster results and get more professional and pleasant help from your Realtor.


A home or property purchase is one of the most important and exciting events to experience. Owning a home can help you build equity while reducing your income tax.


Land of any size requires minimal maintenance and is one of the best long term investments, even compared to gold or diamonds. However, along with the low maintenance, there is seldom any income to offset the cost. There are exceptions, mobile home parks, parking lots, and land rental under a shopping center are wonderful investments with relatively low maintenance if any.


Those who own land and property, as opposed to those who rent or lease, are historically considered to have a measure of stability, success and personal merit in addition to the obvious personal financial worth. This is so true that our Founding Fathers, who were dedicated students of all recorded human history, decreed that to be eligible to vote in our country a person must be a freeholder -- that is one who owned property mortgage free. They knew that the most responsible citizens would be the most responsible voters. Few of us would meet that criteria today. A person who held his property debt free, that is with a free and clear title, a Freeholder, was considered to have made good decisions, had good self control and managed his affairs well. Therefore, that person was considered to have obtained a level of maturity and responsibility -- that proved an ability to manage personal affairs and money as well as a priority to think of the future. The person who owned property with no debt, thus had obtained a sufficient ability to be allowed to vote on the management of our government and the public trust.


We are a nation of home and property owners more than any other nation on earth. However, most of us have a mortgage these days. If you, like most of us, need a mortgage on your new property, we hope you will find value in this article and that it will help you understand the advantage of planning your mortgage as a prerequisite to your purchase of a home. Having completed the mortgage acquisition step, a Realtor can help you organize your home search, as you begin browsing through the housing market.


Determining what features you want in your ideal or dream house and what payments you can afford are the important first steps. We ask that you consider the entire cost of home ownership, that is a total of the principle and interest payment, taxes, insurance and maintenance. Most folks are aware of the first four P.I.T.I. or Principle, Interest, Taxes and Insurance. There is another cost of home ownership that is not often figured in. It is property maintenance.


Maintenance is usually about 5% of the value of the improvements per year, if the average is taken over a long period of time, such as forty years. Many people think that 5% is too high a figure and prefer to use 2-3% instead. Whichever you use, make sure you figure in the cost of maintenance or you will end up not easily able to afford the upkeep on your property. This is very important to realize whether you are buying a new home or an older one. And, the older home will usually have a lot of deferred maintenance -- that is things that should have been done and haven't been!


If, for example, you purchase a home and lot where the vacant lot would sell for $50,000, and the home could be replaced for $250,000 and the landscaping value is $20,000 -- a rule of thumb is that you should figure $12,000 per year in maintenance of the home and another thousand in the maintenance of the grounds. We see properties all the time where the improvements have what is known as deferred maintenance. That work that should have been done and hasn't been, soon will need to be done. Deferred maintenance, maintenance not done that should have been done, is subtracted from the value of a home by those in the market, even if it is subconsciously done.


Home maintenance includes painting, caulking, re-carpeting, floor sanding refinishing, re-roofing every 15 to 50 years, depending on the composition of the roof and even replacing of windows, trim and siding. Outside there are sidewalks, the driveway, out buildings, decks, mulching, shrubbery maintenance, fertilizing, reseeding and replanting and of course the regular cutting and similar lawn care expenses. The reason we bring all this up about maintenance is that we hope you figure in the cost of it in addition to your home cost. If maintenance is not figured in you will end up with a mortgage plus maintenance cost or have to borrow more money to do the work that is needed, and that makes it more difficult to afford your new home.


It is important to figure in all the appropriate costs, expenses and other pertinent things, and to get a mortgage that you are able and willing to afford. It is important to your Realtor too. Some Realtors, in order to conserve their time and have more available for serious buyers, require that a person or couple be pre-qualified for the price range in which they seek to purchase a property first, before they begin to show properties. This is a good idea for the buyer as well as the Realtor and some sellers even ask us to NOT bring any prospective purchasers, unless they are financially prequalified -- in writing!


Mortgage brokers will gladly pull your credit report and get you a letter of pre-qualification or even a loan commitment letter for the amount you need to purchase a home. If you have a written loan commitment in hand when you first contact a Realtor, you will get considerably more and better attention.


One of the most difficult situations for a Realtor is that some percentage of the prospective purchasers that come to see properties for sale are not able to purchase those properties. Roughly 95% of a Realtor's time is preparation, paper work, promotion, marketing, web site modification and maintenance as well as maintaining contact with our most qualified buyers and sellers. When we spend two or three hours with a prospective purchaser, and it's usually far more, we are taking away from all the other things we are responsible to do for our other buyers and for our sellers. That time has to be made up.


For properties under $200,000 perhaps half of the folks that come to see us for a home are not able to buy the one they want to see. For properties under $100,000 about 75% of the folks who ask us to see properties are not able to purchase those properties. And, for those folks who come into our offices or call us regarding properties under $100,000 the percentage who can't purchase what they want is greater and greater as the price goes down.


Interestingly enough, a fairly high percentage of those who seek a property over a million dollars are qualified to purchase those properties without the help of our mortgage broker. Either they have their own banker, or they are able to obtain the funds on their own from other investments, or perhaps they even have a liquid assets account such as a money market account.


If you wish to be a shining light, and of greatest interest to your chosen Realtor, you are well advised to seek a mortgage broker or mortgage banker first and get a response in writing to bring with you. Your mortgage banker will probably ask for copies of prior years' tax returns. If you have copies of your credit reports, tax returns, lists of assets and all liabilities, and your bank statements are organized, you're ready to start exploring the housing market and shopping for a mortgage.


By the way, as I write this, our in-house Mortgage Broker or another lender of our choice, is able to give you a better rate and better terms than any other mortgage banker or broker in the market. Whether you use us as your Realtor or not, and if you are planning to purchase in our area we hope you will use us; you will get the utmost attention from your Realtor when you show up with a loan commitment!


Now SHOP! And, have fun!


Copyright 2004 by Jody Hudson www.JodyHudson.com


Read many more informative articles http://www.kate-jody.com/essays/index.html and about the hot real estate market in Rehoboth Beach Delaware at www.Kate-Jody.com

Jody Hudson has been a Realtor since 1972 and in the real estate business as a member of a family real estate business even before that.

Wednesday, April 8, 2009

The How-Tos When Shopping For a Diamond Online

One of the most frequently asked questions by visitors to my site is "Is it safe to buy a diamond online?"

My answer is unequivocally YES!

We're all getting much more comfortable these days with the ease and security which the majority of Internet sites provide when shopping for whatever we fancy online, so why not diamonds?

Shopping for a diamond is like shopping for a car. You wouldn't buy a car without knowing what specifications you were looking for, and what your budget allows, would you? It's the same with diamonds. Learn as much as you can about the all-important 4Cs before you go shopping for a diamond, whether shopping online or offline.

I recommend you start with the Diamond Buying Guide on my website.

And just like car salespeople, there are the quality diamond websites and the (ahem!) "less than quality" websites.

My favorites are www.bluenile.com and www.mondera.com. They are both extremely high quality online jewelry retailers and both offer amazing value for money.

Bluenile.com is the largest retailer of certified diamonds on the Internet and has been voted Forbes Magazine's "Favorite Online Jeweler" for the past five years.

Its powerful diamond search tool lets you search through over 50,000 diamonds for shape, color, size, carat, clarity and price, and all their diamonds come with a GIA or AGS grading report - your guarantee you are getting what you paid for.

Mondera.com is an equally high-quality site. Mondera features a diamond search tool where you can choose your diamond by size, clarity, color, cut and value and the GIA or AGS report is available when you purchase.

Mondera also offers a great diamond education center, where you can learn everything you need to know about purchasing diamonds beforehand.

Both Bluenile and Mondera offer same day FedEx shipping for in stock diamonds, and a 30-day money back guarantee.

I've never had a negative testimonial from visitors to either site, and the majority of happy customers tell me that they saved as much as 30% to 50% on normal retail prices.

And if great value and great service isn't enough, think about what a breeze it is to shop for your diamond online. You don't have to leave home, traipsing from store to store, looking for carparking and being hassled by over-zealous staff.

So grab a cup of coffee, get comfortable in front of your computer, and start shopping!

Alex Miller has been involved in the jewelry industry for more years than she cares to remember! She lists her passions as "diamonds, diamonds and more diamonds" and has turned her passion into an informative website. You can find more great articles about diamonds, engagement rings, bridal jewelry, honeymoons and more at http://www.Engagement-Rings-Guide.com The place to go BEFORE you shop for jewelry online.

Diamond Flashes

Beyond magnificence and splendor, the world of diamonds evolves on stirred grounds. When the stake is so important, interests collide. But technology develops following its onward course. Here are some interesting off-stage events in the diamond industry and innovations in technology.

De Beers sued by head of the Diamond Bourse

Derek Parsons, the president of the Diamond Bourse of the Southeast United States has filed a lawsuit against De Beers, on the charge of the company's disregard of American competition law. Their Supplier of Choice policy puts the American dealers at a disadvantage.
The suit was not launched on behalf of the Miami bourse but on behalf of diamond dealers in America, condemning the criteria on which De Beers makes the sales – they would sell only to their sightholders, discouraging the non-sightholders and keeping prices artificially high at a non-competitive level.

Diamond mining expands

De Beers holds control of only 50% of the roughs market

Diamond rising prices have stimulated the exploration and mining in more countries such as Canada, Russia, Angola, India, Brazil. Nevertheless, about 40% of diamonds still come from Botswana and South Africa. De Beers' control on the rough diamond market was declared to have decreased from 70% to about 50%.

Canada, Russia and West and Central Africa are considered by specialists an important potential diamond source. India and Brazil are prospected by geologists also due to the fact that they are known to have been a diamond source in the past.

The largest diamond reserve of Africa lives in extreme poverty

Although the fourth largest producer in the world by value and the holder of the largest diamond reserves in Africa. Angola's per capita gross national income GNI is estimated at $650 per annum. People' s main means of subsistence is agriculture.

The diamond sector has been seriously affected by the long war and by gem smuggling. Yet it still represents a very important potential driver of economic development. Since 2002, when the conflict between the government and the UNITA rebel movement ended, developing the sector has become a national priority and the government has already made changes to the diamond sector regulations. Serious redevelopment and investment is needed in this area. At present, artisanal mining operates in Angola and it brings very little economic benefit to local communities.

Increasing conflict in Russia between diamond cutters and miners

The Russian company Alrosa is the largest diamond miner in the world outside De Beers. Diamond cutters accuse Alrosa of favoring exports and providing larger stones for the foreign market and offering only small-sized diamonds to the internal market. On the other hand, Alrosa says that cutters cannot be allowed to pick the assortment of size they want.
The result is that Russian cutters are buying million dollars in rough stones from South Africa each month. Russian manufacturers had a production of $1.1 billion in 2003, and Alrosa is estimated to produce around $2 billion worth rough diamonds this year.

Find-diamonds computer program

Partition Enterprises has been working together with the De Beers company and the University of Queensland to develop a program that calibrates the density separator x-ray sorting machines more accurately, thus maximize the diamond yield. Partition will showcase their products at the Electra Mining 2004 Exhibition in Johannesburg.

De Beers sightholders

Sightholder firms have to satisfy various criteria such as a high degree of expertise in valuing rough diamonds, high experience in cutting and polishing. De Beers has 125 sightholders to whom they assure a monthly direct supply of rough diamonds and from whom they collect around $ 600 million. The privilege of being a sightholder company is carefully preserved, as being a sightholder means being „on the cards”, otherwise the supply of diamonds may become dangerously scarce for that company. That is why the offered diamonds will be eventually purchased regardless of their quality – the pack diamonds can be argued on but they are very rarely rejected, as the sightholder cannot afford to lose its status and break the relationship with De Beers Diamond Trading Company, relation that is essential for business.

In Japan, the only company appointed as sightholder is Tasaki.

Innovative complementary grading tool

A new feature will be added in grading reports: the light performance. Although the concept of measuring the light performance of diamonds has been introduced six years ago, this standard of diamond evaluation was never introduced into the grading reports of diamond grading laboratories. GemEx Systems, Inc. of Wisconsin and EGL USA of New York will provide a combined diamond grading report to diamond customers – besides the certification of the 4Cs, its light performance will be measured. The specific section in the report will contain the results of diamond analysis under six different lighting angles.

The GemEx Light Performance Report makes the difference between diamonds with similar 4C characteristics that can differ in brilliance, fire and sparkle. The analysis is the result of a patented spectrophotometer technology based on the computerized BrillianceScope that measures diamonds’ brilliance, fire and sparkle, providing a powerful tool for the cutting, sales, buying and marketing of fine diamonds.

Laura Ciocan writes for http://www.loveanddiamonds.com/ where you can find more information about diamond engagement rings

Please feel free to use this article in your Newsletter or on your website. If you use this article, please include the resource box and send a brief message to let me know where it appeared. lauracio@gmail.com

How To Choose Diamond Stud Earrings

Diamond beauty versus cost: What is the best combination?
Better quality diamonds are more brilliant and beautiful, but they command higher prices as well. This article explains how to find the best value in diamond stud earrings: the brightest diamond for the lowest cost.

For those who can afford it, we recommend an excellent cut diamond of G-H color and "eye-clean" clarity. This is a moderately priced diamond, but earrings of this quality will produce the same dazzling shower of light as those costing thousands of dollars more.

There are three simple reasons: first, it is the excellent cut that breathes life and sparkle into a diamond. Second, most experts agree that a G-H color appears colorless when mounted, so spending more for D-E-F color diamonds isn't necessary. Third,a diamond of SI2 clarity is "eye-clean", meaning it has no flaws visible to the naked eye, but costs a lot less than the higher clarity grades.

Excellent bargains with only a slight compromise in beauty can be found in the I1 Clarity range as well, as long as the cut is good and the color is in the G-H range.

For those who are on a budget, don't feel embarrassed to buy diamonds of a lower quality. All diamond earrings sparkle when they are worn on a woman's ear, and let's face it: for the same price, many women would rather wear 1 carat studs of a lower quality than 1/2 carat studs of a higher quality.

Fast Fact: there are many good websites to purchase diamond stud earrings. Our top recommendation, however goes to a specialty site www.diamondstudsonly.com. They sell the same color, clarity and cut grades for about 25% less than the typical "sale" price in a retail jewelry store (and other internet stores), and they back it up with a price comparison tool that allows you to view prices for earrings of the same quality on many other major internet jewelry sites. You will also have the security of their free insurance against loss of any kind for a full year.

Choosing the right Color:
The finest diamonds are colorless, rare and expensive. On the GIA grading scale, D-F are considered colorless, G-I near colorless and any grade J or below shows an increasingly yellowish tinge. Beyond the preference for a whiter stone, however, the color of a diamond does not affect its brightness or sparkle.

Fast Fact: Most experts agree that, when mounted, diamonds in the "G-H" range appear colorless, and represent a much better value than "D-F" stones which command significantly higher prices.

Choosing the right Clarity:
Diamonds with fewer flaws (inclusions) are rare and therefore more highly prized. In many cases, these flaws don't detract from the beauty of the diamond because they are invisible to the naked eye.

Fast Fact: Any grade "SI2" or above has inclusions that are "eye clean", not visible to the naked eye. An "I1" grade can be an excellent value, particularly if the inclusion is on the outer edge. "I2" grades can still exhibit a fair degree of fire and light. "I3" grade diamonds are noticeably more opaque or dark to the naked eye.

Choosing the right Cut:<
More than any other attribute, it is the Cut that makes a diamond brilliant and beautiful. A diamond that is well cut reflects light internally and displays a dazzling shower of light back through the top of the stone.

Fast Fact: When viewing a diamond, look directly into the center: if there are dark facets in the center or a dark ring around the center, or if the diamond appears opaque, it is probably due to poor cut.

Brilliance, Dispersion and Scintillation:
The secret of a diamond that is properly cut is that it returns a measurably greater amount of light, which is displayed as brilliance, dispersion and scintillation. This is the true measure of a diamond's beauty.

Brilliance: The total amount of white light, both external and internal, returned from the diamond to the eye of the observer.
Dispersion: Flashes of color, or fire, particularly when viewing a diamond in strong, direct light.

Scintillation: Reflections and flashes of white light from the diamond's surface as the diamond, observer or light source moves.

Click here to view photos along with the above presentation

Submitted by: Lauren Stomel

Monday, November 17, 2008

Diamonds - These Rocks Will Knock Your Socks Off

Every diamond is unique. It can be white or colored, flawless or flawed, big or small and it takes skill to cut and set each one to show it off at its best and bring out the sparkle that can only be seen in a real diamond. "Diamonds Are Forever" and "Diamonds Are a Girl's Best Friend" reflect our lasting affection for these stones, traditionally given as a token of undying love.

There are a few diamonds in the world that are so huge and rare that they are almost priceless. Some are even rumored to be cursed. Here are a few of these famous rocks to knock your socks off.

Among the best known is the Hope Diamond. Before being cut, it was a rather flat, blocky 110-carat rough diamond. It is now 45.52 carats, steel blue in color and you can see it on display at the Smithsonian Institute in Washington DC. There are many legends of bad luck and curses falling on those who own the Hope Diamond. Maybe that's why it was donated to the Smithsonian in 1958.

The Koh-I-Noor (Mountain of Light) is now among the British Crown Jewels. This diamond weighs 105.60 carats. First mentioned in 1304, it is believed to have been once set in Shah Jehan‘s famous peacock throne as one of the peacock's eyes.

The Agra is graded as a naturally colored fancy light pink and weighs 32.34 carats. It was last sold for about $6.9 million in 1990. Since this sale, it has been modified to a cushion shape weighing about 28.15 carats.

The Dresden Green stands out among the natural colored diamonds. It is the largest green diamond in the world weighing 40.70 carats. This diamond is historic, large and has a natural green color with a slight blue overtone. These aspects make it virtually priceless.

The Transvaal Blue is pear cut. This blue diamond weighs 25 carats. It was found in the Premier Diamond Mine in Transvaal , South Africa.

The Great Chrysanthemum was discovered in the summer of 1963, in a South African diamond field. This 198.28-carat fancy brown diamond appeared to be a light honey color in its rough state. However, after cutting, it proved to be a rich golden brown, with overtones of sienna and burnt orange.

The Conde Pink is a pear shaped and weighs 9.01-carats. This pink diamond was once owned by Louis XIII.

The Tiffany Yellow diamond is a beautiful canary-yellow octahedron weighing 287.42 carats in the rough. It was discovered in either 1877 or 1878 in South Africa . After cutting, this gem weighs an extraordinary 128.54 carats and, until recently, was the largest golden-yellow in the world.

The Taylor-Burton diamond is a pear-shaped 69.42 carat diamond. Cartier of New York purchased this diamond at an auction in 1969 and christened it "Cartier." The next day Richard Burton bought the diamond for Elizabeth Taylor. He renamed it the "Taylor-Burton”. In 1978, Elizabeth Taylor put the diamond up for sale. Prospective buyers had to pay $2,500 each to view the diamond to cover the costs of showing it. Finally, in June of 1979, the diamond was sold for nearly $3 million.

The author lives in Australia, home of the Argyle mine where rare pink diamonds are found. If you're looking for a special piece of diamond jewelry, you'll find a beautiful selection at http://www.diamonddiscountcenter.com.