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.

Energy Healing 101: Pranic, Tantric, and Reiki

You have probably come across exotic-sounding terms such as “chakra”, “prana”, “aura”, and “tantra” in your course of reading books on spirituality, sex, and healing in the New Age literature section of the bookstore. But what’s the real scoop behind these exotic vocabularies?

Are All Energy Healings the Same?

Chakra or energy center is a term used in Pranic healing, an ancient Hindu system of energy healing. “Prana” means life energy. “Aura” is another terminology traced to Pranic healing. Aura is a non-physical body that consists of energy, which exists along with our physical body. The aura that covers our body is said to have seven layers pertaining to the physical, emotional, mental, and spiritual aspects of an individual as manifested by energy. Studying the color and thickness of auras give ideas on the state of health of individuals. Six colors are associated with aura and interpreted into six personalities. These colors are all present in an individual but one or two are more pronounced.
Green – ambitious achiever
Blue – spiritual peacemaker
White – unconventional chameleon
Red – activist
Orange – creative communicator
Violet - psychic

Although Tantra is popularly associated with the peculiar practice of sex and spirituality, it is another method of energy healing. It comes from the word “tan” which means to spread or expand. The concept of connectedness is a recurring theme in Tantric writings on sex and spirituality. As a method of healing, spirituality and sex figure prominently. It is presupposed that the union of man and woman can reach spiritual levels during orgasm, which removes the body and mind off collected impurities. These impurities being negative energies can in turn manifest as physical illnesses.

Unlike Pranic and Tantric healings, which have Hindu origins, Reiki originated from Japan. It is relatively younger than Pranic and Tantric healings having been rediscovered in the early 1900’s. Reiki stands for universal energy, an energy brought forth by higher intelligence. Students of Reiki are taught how to tap this energy to heal physical, emotional, and mental illnesses.

Although Pranic, Tantra, and Reiki are all systems of energy healing, they differ in the type of energy tapped for healing: life energy, sexual energy, and universal energy respectively.

The concepts of the connectedness of mind, body, and spirit; the connection of individuals to all living and nonliving things around them and to the universe; and how energy impacts physical, emotional, and spiritual well-being are some of the salient similarities of these three healing methods.

Why Do People Turn to Energy Healing?

Pranic, Tantric, and Reiki are considered alternative methods of healing. In spite of the availability and relative accessibility of modern medicine, how come more and more people are being drawned to them? Here are some possible reasons:

· Energy healing worked where modern medicine failed.

For several reasons both explainable and unexplainable, modern medical treatment failed to heal ailments and conditions in several if not many persons. Research or data may not be able to support this statement. But for the families of the dying as well as for the dying patient, they would take the risk of using alternative methods ranging from herbals and organics, faith healers, witch doctors, and New Age healing techniques just to be get well.

· People perceive modern medicine to be isolating.

Medical treatments are oftentimes focused on the disease and its causative agent, which can make a patient feel isolated and treated like a mere host of the disease. Although recent developments in hospital practice are gradually promoting the holistic treatment of a patient, the perception still persists. Unlike in energy healing, since energy and spirituality are intimately linked, the patient feels that all aspects of his health are being attended to.


· Energy healing is non-obtrusive and natural thus it is safer.

Repeated surgical procedures are physically and emotionally traumatic for most patients. It is but a logical and attractive option to both patient and families to look for less stressful health interventions. Moreover, with the rising popularity of New Age religions, going natural is the way to go.


· Energy healing is a good way of relieving stress.

Meditation is part and parcel of energy healing methods and this is an added come-on for highly stressed people. Moreover, sophisticated equipment is not required thus it becomes all the more convenient for students and future students of energy healing.

The battle between alternative healing and mainstream medicine continues as both present the benefits of their approach. But in the final analysis, what matters is the restoration of good health.

Finding the right Depression Treatment

Depression or prolonged sadness is actually quite common in the United States, around 9.5 percent of the American population actually suffers from this illness, however, not all of them get to be treated, thus, depression and its ill-effects continue to be a burden to some individuals. This illness may seem quite simple to treat but in reality, it takes more than a little cheering up to actually cure depression. Constant visits to a cognitive behavior therapist is a must as well as taking all the prescribed medicines that the doctor will ask the patient to take – none of these exactly come cheap, but the amount of suffering that a person is going through because of depression is enough reason already for others to start taking notice and face depression head on through the various depression treatments that are available today.

Depression oftentimes can easily get in the way of an individual’s daily activities and his or hers’ normal functions, one’s zest for life can quickly and easily dissipate due to depression. And in place of an individual’s sunny disposition is more or less a person who hates his or herself, having no self-confidence, trying to isolate one’s self from the world and basically just not caring about living any more. More so, a person suffering from depression isn’t the only one who’s going to suffer from this destructive illness, his or her loved ones are sure to follow suit. By seeing the individual grow through such rough patches, basically not caring about anything or anyone anymore, it’s highly likely that not only will depression one’s relationship with one’s self but with his or her loved ones too. But this shouldn’t really pose as such a problem since people who suffer from depression are actually lucky that there are all sorts of depression treatments that can be used to aid an individual through the course of having a sound mental health.

Depression treatment actually starts with the patient openly acknowledging his or her illness, by just being honest with one’s self, it’ll be a lot easier not only for the doctor but for the patient most of all, to actually cure depression and find an appropriate depression treatment for him or her.

From various medications (like Zoloft antidepressant depression treatment) to all sorts of psychotherapies promising to be the best depression treatment. The patient, as well as his or her family are sure to get the best, positive results from these depression treatments.

Psychotherapy, a popular type of depression treatment actually includes short-term therapy sessions, usually from ten to twenty weeks promising to actually be able to make positive results for the depression patient. This type of depression treatment actually helps the individual by slowly making them to actually open up about their feelings, the root of their problems, more so, the root of their depression. Healthy verbal exchanges between the cognitive behavior therapist and the depression patient is great depression treatment that’ll positively affect the depression patient by helping him or her discuss and talk about whatever they’ve been keeping inside.

Various medications that are available for depression treatment are actually great for helping the depression patient to regulate his or her mood swings, to actually help him or her sleep better and as well as be more pleasant towards others.

Life Mapping: A Vision of Success

Success is more than economic gains, titles, and degrees. Planning for success is about mapping out all the aspects of your life. Similar to a map, you need to define the following details: origin, destination, vehicle, backpack, landmarks, and route.

Origin: Who you are

A map has a starting point. Your origin is who you are right now. Most people when asked to introduce themselves would say, “Hi, I’m Jean and I am a 17-year old, senior highschool student.” It does not tell you about who Jean is; it only tells you her present preoccupation. To gain insights about yourself, you need to look closely at your beliefs, values, and principles aside from your economic, professional, cultural, and civil status. Moreover, you can also reflect on your experiences to give you insights on your good and not-so-good traits, skills, knowledge, strengths, and weaknesses. Upon introspection, Jean realized that she was highly motivated, generous, service-oriented, but impatient. Her inclination was in the biological-medical field. Furthermore, she believed that life must serve a purpose, and that wars were destructive to human dignity.

Destination: A vision of who you want to be

“Who do want to be?” this is your vision. Now it is important that you know yourself so that you would have a clearer idea of who you want to be; and the things you want to change whether they are attitudes, habits, or points of view. If you hardly know yourself, then your vision and targets for the future would also be unclear. Your destination should cover all the aspects of your being: the physical, emotional, intellectual, and spiritual. Continuing Jean’s story, after she defined her beliefs, values, and principles in life, she decided that she wanted to have a life dedicated in serving her fellowmen.

Vehicle: Your Mission

A vehicle is the means by which you can reach your destination. It can be analogized to your mission or vocation in life. To a great extent, your mission would depend on what you know about yourself. Bases on Jean’s self-assessment, she decided that she was suited to become a doctor, and that she wanted to become one. Her chosen vocation was a medical doctor. Describing her vision-mission fully: it was to live a life dedicated to serving her fellowmen as a doctor in conflict-areas.

Travel Bag: Your knowledge, skills, and attitude

Food, drinks, medicines, and other travelling necessities are contained in a bag. Applying this concept to your life map, you also bring with you certain knowledge, skills, and attitudes. These determine your competence and help you in attaining your vision. Given such, there is a need for you to assess what knowledge, skills, and attitudes you have at present and what you need to gain along the way. This two-fold assessment will give you insights on your landmarks or measures of success. Jean realized that she needed to gain professional knowledge and skills on medicine so that she could become a doctor. She knew that she was a bit impatient with people so she realized that this was something she wanted to change.

Landmarks and Route: S.M.A.R.T. objectives

Landmarks confirm if you are on the right track while the route determines the travel time. Thus, in planning out your life, you also need to have landmarks and a route. These landmarks are your measures of success. These measures must be specific, measurable, attainable, realistic, and time bound. Thus you cannot set two major landmarks such as earning a master’s degree and a doctorate degree within a period of three years, since the minimum number of years to complete a master’s degree is two years. Going back to Jean as an example, she identified the following landmarks in her life map: completing a bachelor’s degree in biology by the age of 21; completing medicine by the age of 27; earning her specialization in infectious diseases by the age of 30; getting deployed in local public hospitals of their town by the age of 32; and serving as doctor in war-torn areas by the age of 35.

Anticipate Turns, Detours, and Potholes

The purpose of your life map is to minimize hasty and spur-of-the-moment decisions that can make you lose your way. But oftentimes our plans are modified along the way due to some inconveniences, delays, and other situations beyond our control. Like in any path, there are turns, detours, and potholes thus; we must anticipate them and adjust accordingly.

How to Sell A Diamond

There are many reasons why you may want to sell a diamond that you own. Perhaps you’ve gotten divorced, or you are strapped for cash. The reasons why don’t really matter – getting the best possible price is what counts! The way to obtain the best price for the diamond is to not be in a rush. Slow down, and carefully consider all of your options – there are many.

First, have the diamond appraised. In fact, have it appraised by two or three jewelers to get an accurate idea of the diamonds value. Tell the appraiser that you want the Rapaport Value. This is the wholesale value of the diamond, and it basically tells you the highest price that you can sell your diamond for. If your
diamond has no certificate, you should consider getting a certificate from GIA. This
may help you get a better price for the diamond as well.

First, try to sell the diamond yourself, to people you know. Friends and family
members may be interested. If you don’t have any luck with friends or family members, you should turn to outside sources. Absolutely avoid pawn shops! A pawn shop will only offer you about 10% of what the diamond is worth! Also avoid offers of selling the ring on consignment. There are many things that can go wrong, and there is no shortage of diamond scams – even in well known jewelry stores.

If the diamond is important, you should strongly consider auctioning it off through
one of the famous auction houses, such as Christie’s or Sotheby’s. If it isn’t what is considered an ‘important’ diamond or a high-end diamond, you should try to sell it to an individual using classified ads, or even eBay. However, selling to an individual that you do not know could put you in danger – especially if the diamond is worth a lot of money.

Your final option should be a jewelry store. It is vital that you not let your diamond out of your sight while in the jewelry store – you might find that the diamond you walked in with is not the same diamond that you walk out with! The jeweler will try to tell you that your diamond is of poor quality or low weight. Inevitably, there will be some problem with the diamond. This is where
your appraisal and/or certificate will come in handy.

If the jeweler is fair, they will offer you between 60% and 80% of the value of the
Rapaport Value. Do not accept anything less than this. Again, do not let the diamond out of your sight until you have been paid for it.

Choosing The Cut of A Diamond

There are many different cuts of diamonds to choose from. The cut essentially refers to the shape that the diamond is cut into – unless you are in the diamond or jewelry business, but this shape has a great impact on the much the diamond sparkles.

The most popular cuts are heart, marquise, oval, pear, princess, round, trillion, and emerald cuts. The shape has an impact on how much the diamond sparkles, but the
actual cutting itself – when the diamond cutter actually cuts the diamond into a
particular shape – also matters a great deal. If the diamond is poorly cut, it will lose its sparkle.

However, in the diamond industry, the cut of a diamond doesn’t refer to its shape at all. Instead, this is a reference to the stone’s depth, width, brilliance, durability, clarity, and other aspects of the diamond. Common cutting problems include a missing or off center culet, misalignment, a diamond that is too thick or too thin, cracks, or broken culets.

When shopping for a diamond, you should of course choose the shape that you like the
best, but then look at several different diamonds of that shape to find the one with
the best cut – the one that sparkles the most, in all types of lighting.

10 Questions You Should Ask To Yourself

"What Really Makes You Tick?" 10 questions you should ask to yourself: a preparation to self-improvement

Be all you can be, but it's not always in the Army. I often see myself as somewhat contented with my life the way things are, but of course it's hard to think of anything else when where are real issues to be discussed.

Still I aspire for something deeper and more meaningful.

So we're all pelted with problems. Honestly it shouldn't even bother or even hinder us to becoming all we ought to be. Aspirations as kids should continue to live within us, even though it would be short-lived or as long as we could hold on to the dream. They say you can't teach an old dog new tricks… or can they?

1. What do I really want?
The question of the ages. So many things you want to do with your life and so little time to even go about during the day.

Find something that you are good at can help realize that small step towards improvement. Diligence is the key to know that it is worth it.

2. Should I really change?
Today's generation has taken another level of redefining 'self', or at least that's what the kids are saying. Having an army of teenage nieces and nephews has taught me that there are far worse things that they could have had than acne or maybe even promiscuity. So how does that fit into your lifestyle?

If history has taught us one thing, it's the life that we have gone through. Try to see if partying Seventies style wouldn't appeal to the younger generation, but dancing is part of partying. Watch them applaud after showing them how to really dance than break their bones in break-dancing.

3. What's the bright side in all of this?
With so much is happening around us there seem to be no room for even considering that light at the end of the tunnel. We can still see it as something positive without undergoing so much scrutiny. And if it's a train at the end of the tunnel, take it for a ride and see what makes the world go round!

4. Am I comfortable with what I'm doing?
There's always the easy way and the right way when it comes to deciding what goes with which shoes, or purse, shirt and whatnot. It doesn't take a genius to see yourself as someone unique, or else we'll all be equally the same in everything we do. Variety brings in very interesting and exciting questions to be experimented.

5. Have I done enough for myself?
Have you, or is there something more you want to do? Discontentment in every aspect can be dangerous in large doses, but in small amounts you'll be able to see and do stuff you could never imagine doing.

6. Am I happy at where I am today?
It's an unfair question so let it be an answer! You love being a good and loving mom or dad to your kids, then take it up a notch! Your kids will love you forever. The same goes with everyday life!

7. Am I appealing to the opposite sex?
So maybe I don't have an answer to that, but that doesn't mean I can't try it, though. Whether you shape-up, change the way you wear your clothes or hair, or even your attitude towards people, you should always remember it will always be for your own benefit.

8. How much could I have?
I suppose in this case there is no such things on having things too much or too little, but it's more on how badly you really need it. I'd like to have lots of money, no denying that, but the question is that how much are you willing to work for it?

9. What motivates me?
What motivates you? It's an answer you have to find out for yourself. There are so many things that can make everyone happy, but to choose one of the may be the hardest part. It's not like you can't have one serving of your favorite food in a buffet and that's it. Just try it piece by piece.

10. What Really Makes You Tick?
So? What really makes you tick? You can be just about anything you always wanted to be, but to realize that attaining something that may seem very difficult is already giving up before you even start that journey. Always remember, that self-improvement is not just about the physical or philosophical change you have to undergo, but it's something that you really want.