When it comes to buying gifts for women, jewelry is one of the top choices. Of course you can always give candy or flowers, but these things are temporary. They only last a short amount of time. Jewelry, on the other hand, can last forever.
So let’s say you decide to buy a piece of jewelry as a gift for someone you care about; then you have to decide what type of jewelry to purchase.
Every woman has her own tastes and preferences. If you do not already know what she likes, look for these cues and see if you can decide what would be best:
Earrings- Earrings often work best for women who like to wear their hair up. When they wear their hair up they give the opportunity to highlight earrings whether they are studs or long earrings. Earrings do not work well for women with young children who will be attracted to the earrings and pull on them while they are still in their mothers’ ears.
Necklaces- Necklaces look great on most women. Most women wear tops with a scoop or v neck that offers the perfect showcase for a beautiful necklace. They are not for all women, though. Some women prefer not to wear necklaces because they have larger chests. Women with larger bust lines might run into the problem of a necklace falling right into their cleavage and drawing too much attention there.
Bracelets- Bracelets can be worn by most women and look beautiful. Bracelets are a less commonly worn piece of jewelry, though. They make an outfit look much fancier, so when going for a casual look women often leave the bracelet out of their outfit.
Rings- Rings are one of the most popular pieces of jewelry for women. Unmarried women often wear rings on both hands, while married women primarily wear extra rings on their right hand. Rings can dress up an outfit, or can keep an outfit casual as well depending on the type of setting and stone that you choose.
Before making a choice, try to watch the habits of the person you are looking to purchase for. If she often wears rings or often wears necklaces, that may be because those are the pieces of jewelry that she likes best. But check her jewelry stash to make sure. She may not wear necklaces simply because she does not have any that she likes.
Jewelry is a great choice when looking for a gift to give to a woman you care about. To make sure you get the best gift for her personally, watch her habits, and look for the things mentioned in the list above. You will be sure to make a great choice!
Category Archives: Uncategorized
The Correlation Between Drug Abuse And Healthcare Costs
A study conducted by an organization known as Monitoring the Future, found that 47% of teenagers had involved used illegal drugs before they completed high school. This is not only a problem attributed to the youth, since it is found in adults too. Illegal drugs have a detrimental effect on the livelihoods of the people who use them, making it a national concern. People have lost their lives, and caused untold pain to those who are around them. These drugs have also led to a high level of crime, an issue, which has led to the formation of enforcement agencies, to fight the vice. There is a significant relationship between Drug Abuse and Health Care Cost.
How the abuse of drugs affects healthcare costs.
People who use illegal drugs spend a lot of time in medical facilities, due to a myriad of problems brought about by consumption of the drugs. These drugs affect your health directly by compromising your immune system. If you abuse drugs, you will always be suffering from one illness to another, thereby resulting in more visits to the hospital, than you would, if you were not abusing the drugs. This considerably increases the cost of health care per capita. Insurance companies that provide healthcare schemes are therefore forced to increase the amount of money that you pay, in the form of premiums. Government healthcare schemes are also stretched thus, providing lower cover for people. Drug abuse also has an indirect effect on the cost of healthcare. Scores of people around you will be affected when you abuse drugs. Accidents, on people who do not use drugs, caused by people who are under the influence of drugs are on the increase. These people need medical care, and therefore have to spend large sums of money, treating a condition that was not of their own doing. This is how drugs, directly and indirectly, affect the cost of healthcare provision.
Apart from increasing the cost of providing emergency medical response to people who abuse drugs, a large volume of financial resources goes into curative drug abuse programs. These are programs designed to help you stop abusing drugs. The reason why they are expensive is because they take a long time to have any measurable effect, and they are conducted by highly paid professionals. Drug rehabilitation programs have a draining effect on the exchequer. A lot of taxes are used in creating programs that help people to stop using drugs. Private medical care schemes also spend a lot of money in paying for private rehabilitation of drug addicts in clinics or at home. The costs are further increased by the fact that you still have to be monitored after you leave a rehabilitation facility. This is done so you do not suffer a relapse, and end up where you began.
How you can help lower the healthcare costs brought about by drug abuse.
The first step towards lowering this cost is to stay away from drugs in the first place. Get involved with your peers, and other members of your community, to educate people on the dangers of abusing these drugs. Your efforts will reduce the cost of providing healthcare to drug addicts. If you, or anyone you know, are abusing drugs, you should seek immediate help from a professional. The cost of rehabilitation can be reduced considerably, if you make a personal commitment to staying away from illicit drugs. If you go through a rehabilitation program, only to relapse later, you will have increased the national cost of healthcare provision.
The untold story of abusing prescription drugs
Although the abuse of illegal drugs is a primary concern, when it comes to the cost of providing healthcare, the abuse of prescription drugs, to a lesser extent, also contributes to this issue. When you are addicted to prescription drugs, you will have to spend a lot of money buying the drugs, when you do not need them. To stop this, you should use all prescription drugs according to the directions given by your physician. Do not use the drugs, for a longer period than that prescribed. If you do not get better, you should visit your physician who will give you an alternative treatment.
Payday Loans: No Credit Check No Fuss Loans
Payday loans are the fastest and most convenient option for getting a cash advance for emergencies before your next payday. However getting payday loans and their repayments involve certain important aspects. Herein we are attempting to answer all your general queries related to Payday loans and we hope it will serve as a tool to open up any mystery surrounding payday loans or cash advance.
What Is A Payday Loan Or Cash Advance Loan?
We daily come across many loan types like housing loan, personal loan, and education loan. However, the payday loans are a new buzz in the market, and it is very popular. This loan is known by many names like “Cash Advance”, “Paycheck loan”, “Check loans”, and “Payday advance loans”. Let us understand what is a payday loan or cash advance loan and how and when it should be used for your maximum advantage. Payday loans are unsecured loans, which can be used for meeting your emergency financial needs and is paid back out of your next paycheck on your payday. Thus, payday loans are the shortest tenure loans among the other loans available in the market.
Are there any limitations on payday loan or cash advance loan usage?
Many a times we face a situation when we need money badly but feel like our hands are tied as our payday is still several days away. In such a scenario, we either have to shelve or defer our plan of purchasing something or go for a heavy interest credit card loan to meet the obligation. The requirement could be to pay up unexpected medical bills, your kid’s school fee, to avoid bouncing of your issued checks or any other financial obligation. In such trying times, payday loans or a cash advance comes in handy. Thus, you can use this cash advance for whatever purpose. There is no restriction on the usage of payday loans.
Am I eligible to receive a payday loan or cash advance loan?
The best thing about payday loans is that they can be had even if your credit rating is not very good. The second best thing about payday loans is that taking a cash advance does not affect your credit rating. All you need to be eligible to receive the payday loans is to have a running checking account and a regular job.
How should I apply for a payday loan?
To apply for the payday loans, we would say it is easier to do than to say. You can apply for payday loans online using Internet. You may be required to supply some basic information such as your Name, Address, and your employer details. Some companies offering payday loans may ask for your Bank Statement or pay stub over fax. The documents required by these companies for payday loans are minimum in comparison to other types of loans.
What is the fee charged for payday loans?
Before applying for payday loans, we suggest that you scan 5-6 companies for the fees they are charging. Some companies offer payday loans without any fee for the first week.
How much cash can I get with a payday loan?
The amount of payday loans ranges from $100 to $1000 depending upon the repaying capacity of the borrower.
What is the length of payday loans?
Normally a cash advance is supposed to be paid back on or before your coming payday. Therefore, the maximum length of payday loan could be up to 30 days. However, some companies are flexible with respect to the loan duration as well. Payday loans can be extended until the next payday. This extension of payday loans however comes at a price.
How long does it take to get a payday loan?
Payday loans are much easier to get and in less time than other loans. After applying for a payday loan online, you will get a telephone call from the payday lender. After completing the small formalities, the cash advance will be credited to your checking account the next business day.
Does this mean I can enjoy my pay without waiting for my payday?
Before you jump for a payday loan, please note that the rate of interest charged for these loans are higher than other loans. Extending the duration of payment will only increase the fees charged. The payday loans or cash advance loan should be used very prudently and only for meeting financial exigencies that cannot be avoided. Please remember that getting a payday loan or cash advance loan too frequently could upset your monthly budget and you may find it difficult to get out.
Turquoise and 2017 Fashion Styles
Turquoise has been described as the 2017 color of the year by Pantone. To be exact it is the color Pantone 15- 5519. And Pantone describes this turquoise as an inviting, luminous hue. There is something yes truly illuminating about turquoise. ‘Illuminating’ seems to be the right word. Turquoise doesn’t sparkle. Instead it illuminates and it is a color that can seduce too. But ‘seduce’ may not be the right word either. Scarlet reds and maybe blacks seduce but turquoise, a color of the sea, a color linked to Caribbean, Mediterranean waters calms and excites and illuminates rather than seduces.
Other words used by pantone for turquoise are tranquil and exciting. These might seem contradictory terms. But the effect of color is contradictory and actually there might be nothing contradictory at all in calling a color, both exciting and tranquil.
Still how can one truly describe the effect of colors? But the effect of colors is important. In fashion, colors can be used to electrify and excite e.g if turquoise was used with a metallic look or a certain type of fabric eg Mesh. Or it can be calming like with cotton. Anyway let’s not dig a hole.
Effects are important. The right effect is important for fashion. So turquoise should be used to create the right fashion effect and for 2017, Pantone is perhaps saying that turquoise is a color that can do this for 2017.
Turquoise is just a color and it needs to be used to create the right looks, and the right look needs the right fabric, style/design and also perhaps the right patterns, where the turquoise hue is part of a pattern e.g. with whites and other lighter hues or perhaps with more powerful hues like red.
One can perhaps imagine turquoise as having that loose effect, loose feel, effect. Perhaps it can be described as a color suitable for casual wear but to be more exact, it is a color for Spring and Summer where the casual look is important. It is suitable for the world of the beach or clubs, the afternoons where the sun shines and people rid themselves of coats and heavy jackets and color is important.
Imagine the drapy turquoise chemise dress, the drapy turquoise t-shirt and there the more fitted looks, the tight looks which accent the body, And turquoise is the sea color, the color of beaches, spring/ summer afternoons. It can be used for the popular gypsy dresses and the popular 70s styles which are in vogue. And turquoise is of course an illuminating color which means too that it is a powerful color so a simple turquoise chemise dress might be the right look. One might need subtle designs. Turquoise is a pure, simple color but powerful too and one might just need another color/hue for contrast e.g. white. And then there is black which combined with turquoise can create an edgy, stylish look. And one can move into the world of prints but here the effect of turquoise might be lost when combined with reds, purples, violets. Imagine the turquoise dress, shirt worn on the beach. One doesn’t really need a red, purple contrast hue with it. There is also turquoise combined with a green hue. Yes turquoise can be merged with other colors/hues to create interesting prints but this is really another area completely.
Turquoise can be used for different social functions/gatherings/parties. There are obviously different types of occasions. There is the beach party, the afternoon gathering too and turquoise is ‘there for that’. Turquoise can be imagined as a ‘t-shirt’ color, a dress color but it can be used as the skirt color in a separate look with another hue for the top area.
So turquoise can be used to create the cool warrior look. Think of a cool warrior walking along the sea. Actually a cool ‘girl’ warrior look because in the fashion world, warriors are usually women. The cool warrior wears the cool turquoise. And the warrior wears a dress but there is an edginess about the look. It is an edgy warrior look. Maybe there is a short turquoise chemise dress. The shoulders are shown and there is a purity about the turquoise here The emphasis is on the effect turquoise brings across. Yes turquoise is one color that can be used to style apparel for the months of sun; the seasons of sun, spring and summer.
How to Choose Home Furniture
You recently bought a new house and then you found yourself asking, “Now what?” choosing a house is one thing, choosing home furniture is another. Furniture is the core feature of a house. It should be comfortable yet suits your personal taste. Here are some tips on how to choose home furniture.
- Look through home decor magazines or surf the net for interior designing websites. Also, observe other people’s house. You can get several kinds of ideas that you can choose from.
- Consider the size, layout, and the general style of your house. Moreover, think of what kind of lifestyle you have and also think about your everyday life. You should consider things that people in your house or guests will more likely use very often. This can help you choose upholstery details such as what color and type of fabric to use.
- Determine your house’s color scheme. Your wall is the background for everything. You can also make large furniture as a base color and accessories such as throw pillows and other decors as accent colors that will add spice to your room.
- Research on different styles and prices of furniture. You can go to showrooms and furniture shops and you can also visit websites. Not only you can see the hottest home furnishing in today’s interior decorating style but also you can get tips from various subjects related to home and garden improvements.
- You should be prepared when you go to furniture shop. You should bring the types of fabrics that you have in your house such as curtains, table top, rugs, carpets, etc. moreover, bring measurements with you so that you will not make a mistake in choosing furniture.
At Your Own Risk – 10 Countries Where Travel Insurance Won’t Be Able To Help You
The foreign and commonwealth office draws up an extensive list of countries that should not be traveled to quite regularly and it is from that our, and other global travel insurance providers’, underwriters decide which countries travel insurance should be provided for. We look at the government travel advice and decide from that whether or not we can provide insurance to travelers.
Although global travel insurance does, by its nature, cover the majority of the world, the current climate ensures that there are some places where the likelihood of incident means that UK travel insurance providers are unable to offer protection. Thankfully, the list is clear of the majority of popular holiday destinations, and you’re unlikely to have your big holiday plans affected. The most likely group to have their travel plans altered by the foreign office’s travel advice are business travelers.
The foreign office’s travel advice is not to travel to the following countries, even if it means losing business – the risk from the war-zones listed below is just too great to make the reward worth the danger:
Here’s our top 10 countries to avoid traveling to, and the reasons for the high risk factor! The risk is far from conclusive (the foreign office’s travel advice lists many more countries), but to me, these are the ones that all travelers should avoid like the plague:
10) Liberia
Economic hardship in Liberia is currently making outbreaks of violence common, and foreigners (especially westerners) are at risk targets due to their affluence. This extra likelihood of incident ensures that no UK travel insurance provider would risk offering you cover if you choose to visit Liberia
9) Nepal
Occasional acts of terrorism and political violence in urban areas make Nepal off-limits for those who want to get travel insurance. In September this year, three nearly simultaneous bombs went off in the capital of Kathmandu, killing 3 and injuring many innocent bystanders.
8)Haiti
Haiti is considered off limits to many travelers on account of the high risk of kidnappings and civil unrest that is prominent. At the time of writing, there have been 12 kidnappings of American travelers in 2007 – mostly criminal in nature. In the past, these kidnappings have ended in physical and sexual assaults and shootings. The potential for spontaneous protests and demonstrations has also been known to result in unexpected violence, day or night. It’s no surprise that the government’s travel advice is not to travel here!
7)Yemen
Due to the high levels of terrorist activity in Yemen, westerners are advised to steer clear of Yemen. If this is not possible, then all travelers are encouraged to stay vigilant and to keep a low profile to avoid attacks or kidnapping. The situation is so grave that the US Embassy often restricts American citizens from certain hotels, restaurants and shopping areas.
6)Israel
The Gaza Strip and West Bank has seen immense violence in recent months between Israeli and Palestinian factions, and shootings, kidnappings and violence demonstrations have occurred in each. The region’s continued instability makes travel to Israel widely recommended against – the risk of abduction or worse makes travel insurance impossible to obtain.
5)Democratic Republic of Congo
The democratic republic of Congo remains one of the most dangerous places to travel in Africa, where violence, neglect and corruption has left the country distinctly damaged. Fighting erupted in the streets of Kinshasa in March this year, and the situation remains volatile despite the immediate threat of violence calming down. Travel outside of Kinshasa is difficult and dangerous with security, especially in the north and easy, being unstable. Any traveler brave enough to travel to the Congo should be extremely cautious, avoid the North Kivu district which is the backdrop to armed conflict between government troops and army rebels, avoid crowds and keep a close eye on local media.
4)Burma (Myanmar)
While the human rights situation makes Myanmar an ethically uneasy place to visit, currently there is a lot of personal risk involved as well. Throughout September, the anti-government protests sparked a violent crackdown from the authorities and made international headlines. Although the dusk-til-dawn curfew imposed in some of the towns has been lifted, it still remains an uncertain time to visit the country and you’re unlikely to find any global travel insurance company who will insure you.
3)Colombia
Colombia remains one of the most dangerous places to travel in the world thanks to the crime the country suffers from. The illicit drug trade in urban areas such as Cali and Buenaventura means that there is often a high risk of violence, while the more rural areas expose visitors to the country at risk from narcoterrorist groups who will often kidnap civilians to use for ransom or to gain media attention. Naturally UK travel insurance companies are loathe to insure travellers who choose to ignore these warning and travel to Colombia anyway.
2)Afghanistan
With the war on terror in Afghanistan still fresh in the mind, it’s no surprise that the country remains a big no-go area. Western tourists are obvious kidnap and assassination targets, as many of the disbanded Taliban and Al-Qa’ida forces remain at large and hostile to the new regieme. Additionally, the country remains unsafe due to tribal groups, explosive devices, landmines, military operations and acts of terrorism. Unsurprisingly, the government’s travel advice is to avoid traveling here at all costs!
1)Iraq
Given the high profile nature of western kidnappings by various insurgent groups, and the regular acts of terrorism and hostility to Western troops, it is no surprise that no travel insurance companies will insure travelers to the troubled country. The instability is caused by various groups – Ba’ath regime remnants, transnational terrorists and criminal elements have been known to attack convoys en-route to venues, hotels, restaurants, checkpoints and police stations.
While holidaymakers are unlikely to be affected by these less touristy locations, their riskiness means that business travelers will have to forgo their travel insurance if they are unable to cancel their trips.
Divorce and Temporary Protection Order (TPO’s)
A court has the power to issue a TPO (temporary protection order) to protect individuals from being harassed and stalked. In a divorce proceeding, the court may also grant a TPO to a spouse, husband or wife, if the spouse has been subject to instances of domestic violence.
Domestic violence is not simply defined by physical violence towards a spouse or child. It takes many different forms. In Nevada, the law provides that a court may issue a TPO on a current or former spouse if it finds evidence of:
Sexual violence
Child abuse
Harassment
Physical violence
Threats of physical violence
Coercion
There are several TPO’s that a court may issue. First, you can apply for an emergency protection order. This application must be made while your spouse is still in police custody after being arrested for a domestic violence incident and is effective for 7 days. A temporary protection order may also be requested regardless of whether there is an arrest and is effective for 30 days. Finally, you can apply for an extended protection order, which can last for up to one year. If you apply for an extended order, a hearing will be scheduled. Your spouse must be notified and has the right to attend the hearing. It is also absolutely necessary that you attend the hearing or the TPO will be dismissed.
A judge can rule on a number of issues when granting a TPO. Your spouse can be ordered to stay away from your home, place of work, or your child’s school or daycare, or any other relevant place. Your spouse can also be ordered not to contact you in the form of phone calls, through a third party such as friends or family, and email. Your spouse can be prevented from destroying your property, assaulting you or your children, and harassing you in any way. The judge may also order your spouse to leave the marital home, assign control of bank accounts and other items that you share, as well as temporary child custody.
Every situation is different and if you are unsure of whether you are entitled to a TPO you can contact the Family Violence Intervention Program located in the Clark County Family Court. Applications are free and advocates are there to assist you. They cannot provide legal advice, but they can help you with the application process.
A temporary protection order is designed to protect individuals from domestic violence before, during, and after a divorce and these matters are taken very seriously. The court will not tolerate false or exaggerated accusations of domestic violence in order to gain some sort of advantage in a divorce or custody battle. If you are in need of a TPO, or you have had a TPO wrongfully issued against you, it may be in your best interest to consult a Las Vegas divorce attorney experienced in these legal matters to protect you rights.
Things to Consider When Choosing a Gold Watch!
Believe it or not, women are not the only obsessed with handbags, earrings and necklaces. Watches have joined up on that fashion accessory ride as well. Watches can be worn by everyone, and usually, women prefer a slim instead of a big bulky gold watch, while men prefer the exact opposite. Most men normally wear big watches nowadays, and more specifically, either a silver or gold watch is the standard.
Nevertheless, the number of people wearing watches has decreased over time due to the increasing popularity of iPods and cell phones that have replaced them. Instead of wearing a watch, they can just have one of those with them and be aware of the time through them. Then again, the fact that they are no longer a necessity has pushed watches to become more of a fashion accessory than they ever were before.
Gold watches are really favored by men because they make them look wealthier than they really are. On the other hand, some men are wearing a gold watch that is actually made from gold, and in that case, chances are that they are rich. Just like women, men can spend a lot of money and time trying to find a beautiful watch that they can wear, because they too are into fashion accessories. Just like women, men want watches that will look good on them when they are wearing them.
Even though there is no specific way to find a watch that a man would like, there are not as many styles to choose from. The most popular men’s watches mainly come in either silver or gold, unlike women’s watches which may include hundreds or even thousands of different combinations. This makes men’s life a bit easier than women’s when it comes to choosing a watch.
Unfortunately, since people tend to wear less watches than before, unless if it’s for fashion, watch manufacturers are slowly losing their customers, and do not keep up with the latest fashion trends styles. I guess it all comes down to money right? If a gold watch manufacturer doesn’t sell as much anymore, why would they produce more? The good thing is that some women have started leaning towards men’s watches which basically increases the target market for watchmakers!
Festive Home Furniture
Home furniture for the festive season
It might be that you family does not celebrate the great festivals. If that is the case then you have no need for festive furniture such as Christmas lawn ornaments. They can be bought specially for the occasion and you will only get them out when they are required. It is advisable to get them in advance because the general expenditure at this time of the year is generally high. If you stagger the expenditure then you have a very good chance of controlling it rather than settling for debt and week day loans. Therefore items such as the Ornaments for Christmas should be bought well in advance. You can even budget for them before the big day arrives.
The family budget need not break due to the Lawn accessory products. You can build them up slowly right up until the day has arrived and then you can see how the expenditure goes. They are not particularly expensive but they come at a time when the expenditure is high enough as it is. If you are not careful the family budget can go out of the window as you attempt to manage this process. You have to be careful about the things that you are using. There ought to be an assessment of whether you are actually getting it right the first time or the Lawn enhancement products are just another unnecessary spending spree. They might not be as important as you think.
It is really up to you to work out a method for treating the different elements of the Garden product items. You choose the colors and materials that you like. At the heart of the things that you do is an absolute understanding of the basic tenets of the process of managing the different elements that go into the items that you are dealing with. This means that you have to be prepared to take risks but also make sure that the risks are not harming the way that you manage your budget. The uses that you can make out of the Modern garden furniture are not fixed. You can adjust them accordingly depending on the home situation. That is the situation that faces most families.
Of course you may come to the conclusion that it is not really worth your while to contest the different elements that go into the Trinkets for the lawn. You might feel that it is all for show and therefore you have no interest in participating in something that is something of a charade. This is still a valid point of view to have but it does not necessarily reflect the reality that many different people celebrate these events and they need the furniture to accompany the occasions. It is not an accident that the Lawn trinkets are one of the most popular purchases around the holiday period. The majority of families do something special for the whole group once in a while. The festive season might be time for this sort of thing.
Flooring Services: 10 Tips
There are lots of things to consider when thinking about flooring services. If you are just starting to think about this then this short flooring services guide will help you to make some good decisions. It will also be of great help to your service provider if you have a clear idea of what you want that assists them in making decisions about what is best for your project. It will also help you both to control the cost and get the roof that you want and need.
1. What kind of flooring services do you want? Is it domestic, business, wood, concrete? Can you describe the kind of flooring you want: the kind of surface, covering, color. The more detail you have the better.
2. Flooring services can include many other possible features like supports, tiling, door thresholds. Think about what kind of weight the floor will have to hold, and the way you want the floor to look.
3. Why do you want a floor in any case? Some people think they need a completely new floor when all is required is a renovation. A good flooring services provider will advise on this and make recommendations based on your budget
4. Think ahead. Is your floor in a room that you might convert one day? This might make a difference as to what you decide.
5. There are floor coatings and coverings to think about. You don’t need to know the details as your flooring service will recommend for you. But make sure they explain the advantages of one kind over another before you spend
6. Plan your how much you want to spend carefully and how much you can afford to spend – there’s often a difference. It’s generally true that when getting a new floor the better quality you can afford the longer it will last and the better it will look.
7. A new floor like any building project takes time and needs project planning. Agree start and finish times with your provider and how they will carry out the work
8. Get a few quotes before you decide which provider to use. Don’t just go for the cheapest or even what seems to be the most detailed – both can be unintentionally deceptive.
9. Obviously you need to agree a price for your new floor before they start – get it in writing.
10. As the work progresses try to get a verbal report from your provider as to what they are doing at each stage and how long it will take. This will build a relationship with them, show that you are monitoring the process, and indicate that you are keen to get the job done.