The Ins and Outs of Sterling Silver

oragami necklaceSterling Silver is a very high quality and relatively expensive type of metal alloy. A given piece of silver is only classed as “sterling” if it contains at least 92.5 percent silver (with other metals making up the rest). Generally the rest of the alloys used in sterling silver are generally comprised of some kind of copper (for structural integrity). Anything below this percentage is not considered sterling silver, though it is still considered sterling if it is above this threshold. However, once a given piece of silver caps off at a very high percentage of pure silver (usually around 99.9 percent) it is no longer referred to as sterling and instead referred to as “pure” silver.

Sterling silver allow has a great deal of uses, one of the most common of which is in silverware, since it is much harder and more durable than pure silver, and also much less likely to tarnish than more common metals used in more inexpensive and traditional “silver ware.”

However, it should be noted here that though sterling is resistant to tarnish it is not immune (which pure silver nearly is) to it. It is also very commonly used in various different kinds of jewelry for this very same reason as well as it’s lustrous sheen which is quite appealing to the eye. Another reason why it is widely used in jewelry by companies such as Origami Owl Lockets By Kari is the fact that, though a jewelry might like to make all of his bracelets and necklaces out of pure silver, the fact of the matter is that such alloys are extremely expensive. This is where sterling silver comes in, as it is, still relatively speaking much more expensive than say, brass, but much, much cheaper than pure silver.

Currently the price for one solid ounce of sterling silver is $ 12.47 (US currency), also, 44 cents (also US) per gram (g). If you are unsure whether or not the metal you have is actually made of sterling or not, generally speaking, there will be a small etching somewhere on the piece saying “sterling.” If this is not the case you can always weight it yourself or take it to a metals expert for testing. One last fun fact, the English pound sterling (which is equivalent to about 1.56 United States Dollars), more commonly referred to as merely a “pound,” is a unit of British currency that was once based upon sterling silver.

Home Security Systems: Which One Is Best For You?

protecting your homeHome security systems are a good idea for most families. They are great for keeping everyone in the house safe and protected. Besides that, they can protect the home even when one is not inside. After all, most burglaries occur when the family is not in their home to defend it.

There are different varieties of home security systems that one may select from. The categories are monitoring and home automation for the most part. Generally, families like to have a monitoring system because it provides that basic level of security and comfort that they can’t get anywhere else.

Selecting Your Home Monitoring Company

When one sets up a monitoring system on their home, they are going to link it to the information systems of the security company that sets it up. This means that when the alarm is tripped, an alert is sent to the security company that has set up the system. This of course is important because the company can then contact the proper authorities to ensure that your home is protected.

As the individual home owner, you may decide to have theĀ  home security company call your cell phone to inform you that someone has made an attempt to break in. This allows you to make the call about if you should have them contact the authorities or not. In some cases the alarm may be tripped accidentally, and no authorities would need to be called in that case. If the monitoring company calls you first, you can make that decision.

When considering which monitoring system to get, you should consider if you want to do the installation yourself or not. Many companies offer free installation or at least offer the service, but some individuals prefer to do it themselves. You have to decide what your priorities are on this question in order to help determine which company is best for your needs. In many cases, people select a company that will do the installation for them. It saves them the trouble and expense of having to attempt it themselves.

Home Automation Systems

Home automation systems are a little different in what they do. While they can still provide basic home security, they also enable to owner to control many functions of their home directly from their cell phone. This can include anything from the temperature in the house to the lights and even unlocking the door. It enables a full control of a range of conditions inside the house even while the owner is away.

While some love home automation systems, they are a little pricier than basic monitoring. Some decide that this is not particularly worth it to them and tend to back off of the idea quickly. However, for those who can afford such a system, the unique benefits that it provides are indeed something to marvel at. Many wonder how they ever lived without it once they have such a monitoring program in their hands. It too requires installation, and this is a factor for consideration before making the security purchase.

Trading the Forex Market

Foreign exchange, also known as Forex for short, is the largest traded market today, with a near $2 trillion trade value on a daily basis. This provides a volatile and liquid environment ideal for profit opportunities. However, one cannot simply walk into the business and expect to accumulate a wealth from buying and selling different currencies. Sound knowledge of how this trillion dollar empire works is important otherwise the person can end up with losses.

Technical Analysis

One of the key areas of trading any market, not just Forex, is technical analysis. This encompasses chart reading, algorithmic indicators, and historical data. Most online charting software offered by brokers come pre-packaged with technical indicators, such as the moving average, stochastics, relative strength index, and average true range. Trend lines and Fibonacci retracement levels are also considered technical tools. Historical data like the previous month’s high and low prices are also used to generate buy or sell signals. The problem with many technical indicators is that they are lagging indicators, meaning they produce signals after a significant price move has already occurred, meaning the trader has to chase the signal and enter late with the hopes that the reward will still be enough to compensate for the risk taken.

Fundamental Analysis

Often viewed as the shadiest aspect of trading, fundamental analysis is mostly reserved for long-term traders and investors since economic fundamentals spark longer term trends, lasting from as short as a month to as long as a year. Fundamentals, however, can still affect short-term positions in that surprising numbers coming out from news reports can lead to panic buying or selling. Some market-moving news to look at are central bank announcements, interest rate changes, and employment numbers, which tend to be a good diagnostic tool for a country’s economic health. What’s tricky about fundamental analysis in the Forex market is that the results of news reports are not necessarily digested by market participants in a logical way, meaning better than expected jobless figures don’t equate to the currency’s strength.

forex

Psychology

Trading is one of the most mentally stressful careers you can pursue. Amid the advertised benefits of freedom and limitless income told to you by brokers, the truth of the matter is that you’ll likely lose some sleep while trading the Forex market. It is not the best career for people who are emotionally unstable, undisciplined, and impatient. Trading rules must be set and you must stick with them trade by trade. Find a strategy that fits you, depending on how much screen time you have per day and what pair you wish to focus on. Having a plan and a set of carefully predefined rules allow you to eliminate the emotional aspect of trading and operate mechanically. You must back test your system to assess its long-term profit potential. Risk on and risk off market sentiment should also be considered when taking trades as this alone could affect the direction or bias of a currency. Risk off sentiment tends to strengthen safe-haven pairs like the US dollar and Japanese Yen while risk on sentiment favors the Austrian dollar and New Zealand dollar.

What You Need To Know Before Refinancing Your Loan

Introduction

If you have a loan or loans that are outstanding you may have heard that you should consider consolidating these loans in order to reduce the payments that you will ultimately make on these loans or to make the process of paying these loans easier. What exactly does refinancing a loan entail and what should you know before refinancing a loan will be the focus of this article.

What is a Refinance

When you refinance a loan or loans you are effectively entering into a new loan agreement. When you obtain a loan you basically receive cash in exchange for a promise to pay back the principal balance with an interest payment. The payment terms can fluctuate widely and there may be fees or charges for taking out a loan. In many ways a refinanced loan is no different than a standard loan. You make payments later on a refinanced loan and pay an interest rate as stipulated in the loan agreement. However, the major difference is that the proceeds from a refinanced loan does not go into your pocket. Instead it goes to repay an older loan.

What Happens When You Refinance?

Once the older loan or loans are satisfied you now owe money on your new loan based upon the agreement terms. Your old loans are now removed and you have one loan remaining. If you refinanced several loans into one then you now only have to make one payment per month instead of keeping track of many different loans. If you were behind on paying your loans then your credit will likely be improved by the satisfaction of the older loans.

What are the Benefits of a Refinance?

Starting-over-refinance-your-home-dv1693007It is generally considered to be a good idea to consider refinancing if the current interest rates available to you when you borrow money are lower than the interest rate that you have on your old loan. However, keep in mind that there may be fees charged for refinancing a loan as well as for prepaying your old loan. Be aware of the terms in your refinance agreement to avoid losing money on a refinance.

When Might you Not Want to Refinance a Loan?

If the current interest rates are higher than your borrowed loan interest rate than you may want to not refinance right now. Also, if your credit score or history is not good than you may not benefit from a loan refinancing as the interest rates charged on any new loans may be punitive compared to existing loans you have.

Conclusion

Many people can lower their monthly payments by refinancing existing debt into a new loan. While this can provide significant benefits for a borrower there are often fees and prepayment penalties on some loans that should be considered before you refinance your loan. Be sure to read the loan agreements and consider any special stipulations on the loan agreements before signing them. A refinance may or may not be beneficial so be aware of the contract details and ask for an explanation on these details before signing any refinance agreements.

Pheromone Infused Perfumes Could Help More Women Attract Men

Women have been using perfumed scents to make themselves more appealing to the opposite sex. In recent years the formulas used to create perfumed scents for women have been enhanced with the addition of pheromones.

Why Add Pheromones to Perfume?

For those individuals not familiar with this term, pheromones are naturally secreted chemicals animal’s produce to attract members of the opposite sex. Not only does the chemical help animals attract mates it has also been shown to affect other animal’s behaviors. In most cases pheromones appear to make animals more sociable.

There is not enough evidence to prove one way or the other whether this chemical has the same effect on people, but many perfume manufactures believe it does help enhance a woman’s ability to attract a man. The idea behind adding this chemical to perfume manufactured for women is to help them attract men. This makes the perfume highly desirable by women who are usually too shy to initiate conversations or who men generally don’t find interesting or attractive enough to bother meeting.

Which Perfumes Contain Pheromones?

The chemical itself is basically odorless so it is impossible to detect whether or not a specific fragrance contains it just by smelling. Labels on perfume bottles could state that the product does contain pheromones. Some labels will list it in the ingredients as a pheromone substance while others will use the more scientific names of androstenal and androstenone. The chemical is also available as a stand alone product, women could spray on before adding their own favorite perfume.

A pheromone perfume for women will either be from natural sources or made as a synthetic. The synthetic chemicals have been tested on insects and animals to see if they produce the same effects as the natural ones. Pheromones are also different for women than they are for men. The perfumes marketed to women will have a different chemical formula than the fragrances available for men. Women will not be attracted to the female versions of the chemical and vice versa.

What Fragrance Blends are Available with Pheromones?

The perfumes available with this chemical already added to them will have the same tones or notes used to create a specific scent as any other perfume. Depending on the perfume creator, the scent could include extracts from plant roots or natural oils from flowers. Scents such as sandalwood, jasmine and lavender could still be found in the fragrances made with pheromones.

Women who want to purchase a perfume already infused with pheromones should take the time to smell the fragrances available in order to select one that would be suitable to their personal taste. Fragrances that contain essential oils from flowers will be lighter than those made from roots or wood. The scent should be appealing to the woman who wears it as well as to the men who detect the pheromones it contains.