How to Spot A Fake Diamond

In this world of advanced technology it is almost impossible to simply look at a diamond and determine whether it is real or not - especially if you don't know much about diamonds. There are some steps that you can take to avoid buying a fake diamond, however. First, only deal with reputable jewelers, and when you find a reputable jeweler, stick with them. Avoid buying diamonds or other jewelry from jewelers that you have never dealt with before in the past. If no certificate exists, walk away. Fake diamonds, such as zirconias, are usually set in low quality metals. Fake diamonds are not durable - natural diamonds, on the other hand, are the most durable stone on the planet. After purchasing a diamond, take it to another jeweler for appraisal. No two stones are alike.

The access legal plan

The access legal plan Pre-paid legal plans come in a variety of types depending on the scope of legal coverage they provide. The most basic pre-paid plan is designed to make the simple legal services readily available to the general public at low cost. These plans typically cost between $10 and $30 per month, billed in advance. You get unrestricted toll-free number telephone access to a lawyer for legal advice and consultation. You can also make brief office consultations to talk to your lawyer about any legal problems you may be encountering. Your lawyer can also write to letters or make phone calls on your behalf. This can help resolve many problems before they escalate further. Other services provided are not overly time-consuming: the drafting of your will to distribute your property after your death, review of your trust and any other simple legal document. If you require any other service beyond the scope of a basic plan, then you can either pay discounts on regular lawyer fees or pay a premium to upgrade to a more comprehensive plan. Read also: Legal resources

Using lease calculators

Want to calculate your monthly lease payment? Consider using a lease calculator If you are considering a car lease, then you might want to know some key figures involved in the deal: the monthly lease payments, the overall cost of the lease and how much savings can be made compared to purchasing the vehicle. A lease calculator relieves you from the stress of having to know the complex underlying lease formulae used in calculations. You get a detailed rundown of detailed payments, taxes and total lease costs. Figures you need to get from your dealer about a specific lease you’re interested in include: Capitalized cost, estimated residual value at the end of the lease, the number of months in your lease and the money factor. Make assumptions and change some of the figures to see how it affects your lease payments. For instance, residual value is an “estimated” value of what the vehicle will be worth at the end of the lease. As a final note of caution, bear in mind that lease calculators only do calculations and check the accuracy of abstract mathematical formulae. See also: Net present value calculation and in French: Services aux entreprises