Pagerank Update 2012

First google pagerank update :

07 Feb. 2012 - Completed

Second google pagerank update :

08 May 2012 - Uncompleted

Third google pagerank update :

07 August 2012 - Uncompleted

Fourth google pagerank update :

08 November 2012 - Uncompleted

Insurance for your Diamonds

Insuring Your Diamonds

Insuring a diamond takes a bit of thought, planning, and shopping around. Diamond
insurance isn’t like purchasing car insurance. It is quite different. Depending on the state
that you live in, there are basically three different types of policies that will cover
diamonds, and all insurance policies that cover diamonds are considered Marine
type policies.

The first type of insurance policies for diamonds is an Actual Cash Value policy.
If the diamond is lost or damaged beyond repair, the insurance company will replace
the diamond at today’s market value, no matter how much you paid for the diamond
to begin with. This type of insurance policy for diamonds actually is not that common.

The most common type of insurance for diamonds is Replacement Value insurance.
The insurance company will only pay up to a fixed amount to replace the diamond that was
lost or damaged beyond repair. This does not mean that they will pay that amount – it means
 that they will pay up to that amount. In most cases, the diamond can be replaced at a
lower cost.

The third type of coverage offered for diamonds is Agreed Value. This is
sometimes called ‘Valued At.’ This type of coverage is very rare. In the event that the
diamond is lost or damaged beyond repair, the insurance company simply pays you the
amount that you and the company agreed upon. This is the best type of insurance to
have, but it is rarely offered. If you can’t get Agreed Value coverage, Actual Cash Value
coverage should be your next choice.

Your rates will be determined by the value of the diamond, the type of coverage that you
select, and the area that you live in. If you live in an area with a high crime rate, you can
expect to pay more for your diamond insurance coverage. It is important to
remember that insurance agents are not qualified jewelers, and jewelers are not
qualified insurance agents. It is best to get a certificate for your diamond, and to
provide the insurance company with a copy of that certificate. This leaves the insurance
company less room for arguments over the actual value of the diamond.

Don’t rely on separate coverage to cover your diamond. For instance, if you diamond
is stolen from your home, it is probably covered on your home owner’s insurance
policy – but the diamond probably won’t always be in your home, and once it leaves
your home, there is no coverage.

Diamond Certificates

Diamond Certificates

A diamond certificate is also known as a Diamond Grading Report. This report comes
from the Gemological Institute of America (GIA), and you should require this report
when you are purchasing a diamond.

With a diamond certificate, you can verify the color, cut, carat, weight, and clarity of the
diamond. You don’t have to worry about a diamond dealer telling you anything less than
the truth, because the certificate comes from the GIA – not the dealer. You may be
required to pay for the certificate, but the cost is usually low, and in many cases, it
will help you negotiate a better price on the diamond – or keep you from purchasing a
lower quality diamond altogether.

If you buy a high quality diamond, and then later decide to sell the diamond, you will
need to have the certificate, or you will have a hard time selling it to someone else.
Furthermore, you can use the Diamond Grading Report to look up the wholesale
value of the diamond in question. Use the guide that is used by the diamond cutting
industry.

With the Certificate, or Diamond Grading Report, there won’t be any doubts when you
are trying to purchase a diamond. You can easily find out what the diamond is worth.
This will prevent you from overpaying, and it can prevent a seller from under-charging as
well.

A copy of the Diamond Grading Report should be given to your insurance company
as well, when you insure the diamond. This provides absolute, unquestionable proof of
the value of the diamond should it be stolen in the future. Insurance companies cannot
argue with the report.

Avoid diamond dealers who seem reluctant to provide a certificate! Also avoid sellers
who tell you that a certificate diamond will cost you more – the only additional cost
should be the cost of the certificate, which is low. If the dealer doesn’t want to provide
a certificate, then you don’t want to do business with that dealer.

Don’t accept certificates from Gemological Laboratories other than GIA. There are many
fly-by-night Gemological labs these days, but in the end, GIA has been established as the
most respectable and trustworthy – not to mention oldest – of the lot. So avoid dealers
who don’t want to use GIA for certification purposes as well.

Don’t buy an expensive diamond without paying the extra cost of the certificate. If a
dealer tries to convince you to make the purchase without the certificate, or if they
want to use a company other than GIA, you can be sure that the dealer has probably
greatly inflated the price of the diamond – they have something that they are hiding
from you.

All About the Clarity of Diamonds

All About the Clarity of Diamonds

Clarity is an important aspect of a diamond, and it is important to know how to grade the clarity of a diamond before you buy one. It is actually quite easy to learn how to grade the clarity of a diamond. There are basically two things that you must understand: Diamonds with visual inclusions and blemishes, and those that are ‘eye clean’ meaning that there are no inclusions or blemishes that can be seen with the naked eye. From there, the
clarity of a diamond is further broken down into subcategories.

Many people mistakenly think that diamond clarity refers to how clear it is. This isn’t so. Clarity actually refers to the internal and external imperfections of the diamond. The best diamonds, of course get a grade of FL or IF – Flawless or Internally Flawless – meaning that it is perfect. A grade of I-1, I-2 or I-3 means that the diamond is imperfect, with a grade of I-3 being the worst.

Other grades are VVS1 and VVS2, which means that the diamond is very, very slightly imperfect; VS1 and VS2, meaning the diamond is very slightly imperfect; SI-1 and SI-2, which means that the diamond is slightly imperfect.

About Diamond Weights

About Diamond Weights

Diamonds are measured in Carat Weight. One carat weighs 200 milligrams. If a diamond is referred to as four grains, this also means that it is a one carat diamond. The word Carat comes from the word carob. A carob is a bean that grows on a tree in the Mediterranean. In times past, if a diamond weighed the same as a carob bean, it was one carob, or one carat.

However, in the far east, where Carob trees do not grow, rice was used to measure the weight of a diamond. If a diamond weighed as much as four grains of rice, it was four grains – or one carat as we know it to be now. The majority of diamond purchases are for diamonds that are 1/3 of a carat.

Beware when shopping for diamonds that are already set or mounted. If more than one diamond is used in the piece, the tag on the jewelry will give the CTW or Carat Total Weight – it does not tell you the carat weight of each stone in the piece. You need to ask the jeweler for the total carat weight of the largest diamond in the piece to truly understand what you are buying.