Latest Edition Fiat To Lease

One of the best highlights of this loan is that the person can apply for Nutritiondomain payday loans in the comfort of his or her house. You can go online, search until you find a lender you are comfortable dealing with and then fill up the free loan application type. The loan expert in the concerned company will go with the form and verify the facts that you have provided. The most important info that you would need to provide is the bank account. As soon as the loan specialist has verified your information, the processing of your ask for starts. You can avail on the web paydays on the same day associated with the application.

Luxury car renting is an option for many — both big and little – companies today. Businesses today are always looking for new ways of limiting their own expenses. It is a necessary modification to increased competition in many markets. Most of them are also within the hunt for new ways to decrease their tax payments in addition to eliminating assets not linked to the core of their business. This kind of adjustments are always made plus sometimes this helps other companies flourish while others end up with severe challenges to cope with. Things like all these are the main reasons why renting exists.

Employee benefits don’t have to price the employer an arm and a leg. There is power in numbers, and advantages and disadvantages of employee leasing organization, or PEO providers company, can provide an excellent price break. And business defense doesn’t stop there. Work practice liability insurance requires a lot of the burden off of your business!

Business employers look to credit reports to see if most of us are good employees. Employee leasing benefits move credit reports to see if we’ll always be reliable renters. Auto insurance providers review credit information whenever determining what level of insurance coverage risk we pose. With all the ever-increasing importance of credit rating in our lives, you would believe a deeper understanding of credit rating would have been available almost all along. Nonetheless, for years there was a significant component of the credit history that the average consumer continues to be unable to see.

The particular resulting number is a correct representation of the average showing how much money per month you might have earned so far. All of the other areas of your earnings have been discussed between others (restaurants, stores, travel agencies, banks, gas stations, etc . ).

The particular BMW leasing procedure is simple. After choosing a BMW design, you will have to approach a car renting business. The automobile seller can help you in finding a suitable leasing company. The financing organization can ask you to fill in an application type. You will have to give the personal information and specifics of your existing job as well as monthly income. The employee leasing example will analyze your personal finances based upon this particular data. In case you have a company, you will need to show your economic reports to prove your company venture standing.

I think the List Price/Window Sticker or even MSRP of today’s automobile is priced so that renting will reflect the best way to get the vehicle. In my 30 in additional years of vehicle leasing, here are a few of the most Frequently Asked Questions I have obtained from my prospective customers.

Last but not minimal, check what cars they provide for leasing. Preferably, select a company that offers a wide assortment of cars. With this, in case you have to lease a new one for various purposes, perhaps a week-long vacation, it will be more comfortable and more easy on your side. Also, having a broad collection of cars for rent shows their competence plus dedication in giving customer-satisfactory services. Just be sure to know what type of car you are eyeing in order to lease and don’t forget the purpose of the vehicle you’re aiming to rent.

Why Organization Financing Can’t Help The Euro

Online payday loans make it easier to apply to acquire a short-term loan from anything. The application process is entirely online, as well as get approved for a cash advance instantly. Lucrative fees and interest rates associated with payday loans, just as with another type of loan. Check the payday loan website for exact fees and interest rates. Apply for payday advances online, and request the money you would need to cover your emergency medical bills.

There may be times in your life when you wish to want something that you most likely not able to afford on your distinctive. You may not have the power to pay out of pocket for the ideal solution and you nicely want to ask others for the money. It is nice to am aware that you may have the ability to apply for comfortable so that you will get what you aim. This can be done, even additionally single mother plus you’ve got a lower revenue stream.

Most factoring companies for small businesses companies facilitate individual reports so which can watch the progress being made. The growing system shows you the outstanding data. Those that have and will not have been paid. Also, the money that prevails to you for help. As your business grows so will the funding for your enterprise.

Receivables factoring, also since factoring for businesses, functions by eliminating the 30 to 60 days it takes for commercial clientele with regard to you. It enables for you to definitely obtain a substantial portion relating to the revenue owed to you within every single day or a couple of invoicing, supplying you with funds spend rent, meet payroll and far more importantly expand corporation.

Monthly plan, or prepaid? while the more significant provider is almost always monthly – some smaller providers provide help to choose pay-as-you-go as your merchandise option. This kind of is always the most cost-effective solution for 2nd line a person use sometimes. Prices can go as low as 1 cent/minute, with no monthly fees whatsoever!

Invariably the discussion around factoring, referred to as ‘ invoice discounting ‘turns to the cost of this service. First of all, you have to know how the financing works, at which point you can assess yearly . and the benefits.

The SBA acts as being a guarantor, or insurer, associated with a portion of your loan. This way their friends the bank to justify reduced lending requirements. Lending standards deal with the so-called “C’s” of credit.

If the terms a loan agreement or fee offered are not that good, trying to trade the receivables may consist better ideas. This is especially true if it’s an unusually small value that needed. Paperwork can take a long time to process for a loan, as well as a business might possibly not have that kind of time. Employing a factor indeed is the best variety.

Cash Advance Loans: Positives And Negatives

If you prefer a cheap web hosting service, there are several firms that offer low month-to-month rates to host (store) your website. A few good examples are Pandela, Ultrahosting, Server choice, and Hostgator, only to title some. Needless to say, not every person is in search of a comparable web hosting features, however, are shows the same? The correct solution is no.

Only payday loans direct lender guaranteed approval Australia time to the budget are actually quite simple to get financial help. These types of loans are approved by lenders without pre-checking your own records. You may have defaults within your name, still, you can get the particular loan approved very quickly. These types of loans are approved for the period of about few weeks. It is now time till you can use the money to resolve all your problems related to cash. The cash help in all this kind of loans is usually around five thousand dollars. This is the amount which is offered without any hassle.

Right after applying the scheme, the lending company may take a few minutes or hrs to make sure that you are a secure person and you will return the cash in time. The rate of interest is going to be lower and no additional price will be charged by the loan provider. You can use the money in any way you need. You can return the money anytime our salary will drop due.

For every and every US, $100 lent, you need to pay off an additional ALL OF US $25 appealing. The interest price is pretty blown up, so be sure to only fully grasp this type of mortgage on special emergencies.

If you are struggling with fund shortage owing to your own limited source of income then you have to apply for 30-day payday financial loans. These are also known as 1-month financial loans which would help in covering in the financial gap between the 2 pay slips. It would assist a salaried individual just like you to explain the expenses regarding groceries, infrastructural facilities (such electricity, water, and gas), household rent, etc. It would be easiest able to manage the serious risks with these loans such as uncertain medical aid, vehicle repairs, unplanned trips, and so forth These short-term loans are released on an unsecured basis. This implies on the fact that you will need not have to put any security against the loan amount.

A combination of good technique money and borrowing the particular minimum amount that is required simply by you is the correct way to draw the maximum benefits from fast payday loans. The facility accessible to you should never be abused and actually should always be paid back in full on the date of repayment. This can give you the maximum benefits of your own fast payday loan.

Why Obtain A Fast Cash Payday Loan

For those who have no access to credit plus need a quick loan, you might consider a payday loan. The idea noises attractive: the lender deposits as much as $2, 000 into your banking account and the loan is immediately repaid from your next salary. You don’t need collateral and body fat credit check.

If you have a while in hand for paper function, you might apply for secured loans. Requirements for this kind of loan is that you simply must have some property to place for a mortgage, of a lot more value than or comparative value of the loan applied for by you. Credit history is not really as relevant in this case such as the case of other fast loans. Because of the mortgage, these people lend you at a really minimum rate of interest about 5-6 %. On failing to pay for back in around two weeks’ time, they seized 80 percent of your property. A loan greater than 5000 pounds would be more efficient in this case. The rates of interest come in recent times are lower than inside a long time.

You just have to meet some simple requirements to be regarded eligible for checkbook financial loans. To qualify, you need to be the citizen of the United Kingdom, that has crossed eighteen years of age. Furthermore, you should hold an active bank-account and of course, a cheque guide. Another prerequisite is that you must be earning a fixed income each month.

Did you get thrown out? Shifting out costs money. Determine if it is more practical to purchase new stuff such as a mattress rather than hire movers to assist transfer them. Ways of conserving are hiring a truck your self and doing the moving instead of hire movers. You may finish up needing the money to make the preliminary deposit to acquire a lease.

These types of loans are offered to the people without any credit verification. This is actually the best part of such financial loans. A borrower need not be worried about his/her past financial position. An individual may get this loan both in secured as well as unsecured method. If a person does not wish to risk his/her asset with all the lender then he/she might go for an unsecured loan. On the other hand, if he/she wants to choose cheap credit then protected loans are a better choice.

Even though it might not be fun, doing the numbers will be significantly less unpleasant than writing even one more paycheck than you have to. Take the time to learn how to calculate interest rates before you borrow and always pay off your loan as fast as possible.

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In terms of loan application method, you need to apply for this loan through online method. For it, you need to fill up online application form along with your full details such as title, gender, age and cash advance banking account etc. After you have obtained the particular approval, you will get instant money within 24 hours. All-in-all, money direct loan is so a lot helpful for those salaried those who need urgent money.

Consequently, you may come across issues with the site is usually displayed and exactly how you can travel through the site whenever using this more aged browser. I would possibly even do a Developed Sky high or maybe payday, however , there is none of them for $4k. If the financial situation requires qualification for your subsidized education loan, you can get a good lower interest. Then fha loan pre approval online make sure the obligations are inside your means.

He has published for Good Bread, AMERICA ONLINE, AARP, Bankrate and other web sites that concentrate on financial literacy and spending bad credit unsecured personal loans no credit check less. One or two banks, such as TD, provide secured playing cards with no yearly fees, discount rewards together with interest on your own security put in. Depending on to intend to head to school, this is usually an excellent way to have student loans having bad credit given it can cover up most of your own tuition. Unfortunately, the best way FICO figures your credit score is usually kind of the black container.

Fico scores are affected by the volume of available credit history you or your enterprise has on financial institution lines of credit in addition to credit cards, just how long you or your business enterprise has had a good credit report and the range of inquiries constructed on credit history profiles. The capture is that you ought to be able to poor credit home equity loan present financial trouble. The info contained for the Student Loan Sherpa is for necessary information or perhaps entertainment needs only and constitute specialized financial or maybe legal advice, or does it generate an attorney/client relationship. There is no resolved maturity night out.

The following only will serve to impede your chances of acquiring a business loan. So many areas of our lives include our credit score, ranging from debris for programs and telephone services, the premiums many of us pay and occasionally whether or not we are going to hire for your new task. IOU Financial can be a BBB-approved internet business with a handful of complaints.

It is not necessarily just company owners with high fico scores who are being qualified, even entrepreneurs with the are locking down the lending options they require to begin with up his or her businesses. Most companies have funding good poor credit loans Ontario and additionally assets from the owners. Implement now as well as click here for additional information. For the reasons this example of this, we used a $380 application rate that would be compensated to the realtor or dealer. Getting a small enterprise loan by using bad credit could be nearly impossible, it doesn’t matter how successful the company might be in any other case.

Loan portions are available among 1, 500 and 20, 000 so that you can five calendar year terms. That will additional show career stability to the lender. Like a deposit-gathering standard bank, Goldman may raise FDIC-insured deposits. In order to lower the total associated with your Mom or dad PLUS and loans, you could possibly wish to choose a cosigner.

Money Loans – A Type Of Memory Test

Short-term payday advances are risky for any lender. It is funds sent out right away, and the borrower offers two weeks to pay it in return. Sometimes money issues last longer than two weeks as well as the lender does not discover full payment in exchange. These lenders will appear at a person’s payday advance history. If the customer has defaulted upon other payday loan companies in the past few years, then his or her application will be rejected. *Please note rapidly not all direct loan companies look at other cash loans history while some will indeed search back quite a while.

Online payday loans will be loans on the person’s next salary. Instead of waiting for their next check, individuals in need of money might get it immediately. Direct lenders for payday loans 100% approved don’t require those receiving a loan to bring their income in. These types of centers need an examining or saving accounts to be provided once the loan is made. If the day the loan transaction is due arrives, the particular payday loan lender will indeed debit money straight from the account. Payday loan makes it perfect for people who don’t have the time to stroll inside to short-term offline store to apply.

Firstly a payday loan or payday advance advances loan, cash advance payday loan or salary improve credit are all the same thing. It’s usually a small, easy mortgage for any short term that is used as an emergency loan by the customer until his or her next salary. Investment products can range anywhere from hundred or so buck to $2500 or so plus autumn due in a fortnight. Interest rates will vary and are also depending on annual interest costs (APR) and may get as high as 780%.

About availing direct lender loans only Down payment, you would satisfy with terms and conditions which include- you must be a legitimate citizen of US. You need to attain above 16 years. You should be used. You should have a valid banking account in the US. Using having these thank you’s, you can go online, also, to applying loan to be able to borrow quick cash. Again, you don’t need to work with any paperwork or perhaps faxing documents while availing these financial loans. You just need to complete loan application form together with your full details such as name, gender, age group and bank account during applying for the loan. With with fast mortgage approval. The endorsed loan amount is usually directly transferred into the bank account on the same working day.

Safe! : This single term speaks volumes. There are so many fear stories about individuals that get mugged or perhaps stolen from soon after visiting loaning institutions. There are also those who wait for people to emerge from said places before you make their move. Along with direct online payday lenders, you’ll be able to undertake it in the safety of your home.
direct online payday lenders
Lloyd Blitzer defines exigence as, “a flaw marked by desperation; it is a defect, a significant obstacle, something ready to be done, anything which is other than it must be. ” But what exigency does in contemporary rhetoric is develop arise for action in addition to communication within your producing. Exigence is what enables you to communicate and connect with your readers rather than just advise. A perfect blog is a community of productive readers, subscribers, and even writers.

You will not need to worry if you are late on your payment, and if there may be more interest rates accruing. You and the company may choose on a day time that you will pay all of them back; it will be eight – 25 times after you borrow your money. They wait for one to get paid by your career, that way you have your money. So you will not have to consider coming up with the money on short notice.

The Lavish Bur Dubai Hotels

Thailand means land of the free. As it is an open inviting area liberty is definitely an appropriate name for Thailand. It may be the perfect place to choose for a family trip.

If you are trying to find a serviced house I’d like to advise you one and it is the London apartments of Chelsea cloister. It’s situated one of the London apartments’s many modern, in Chelsea, vibrant and safe locations. It’s termed among the leading regions. It’s a place that is ideally situated. It’s surrounded by number of parks, shops, restaurants and also other fascinating sites. They provide a threestar property with companies. A home is provided by them from your home expertise at affordable rates.

Serviced apartments in London are created to not be unable to handle all sorts of demands. They’re excellent ease when you are currently going alone. At the same moment, in addition they provide most of the ease whenever you travel with household as well that you need,. These are not most inconvenient once you turn to travel with children or kids giving you all the aid desired using their specific needs.

Just over the pond in the metropolis South Bank provides plenty of things you can do. Using grassy picnic places and a sandy beach, it’s an excellent spot for a picnic. Visit restaurants and the retailers, or head to the Queensland Memorial along with the Gallery of Contemporary Art for a really national knowledge. The Queensland Museum Research hub it is not actually unpopular with kids and can also be at South Bank. There are free activity held throughout the year and various festivals and on Sundays and Friday the Craft and Art Industry is kept.

Website boards are fantastic areas to consider info on hotels. This will contain transportation that is free in the airport. If you objective to hire a vehicle then be sure you have researched about the charges which, you are not swindled of one’s income from the natives.

You will find loads of historical sites to protect here as well as a weekend may indeed not be enough. Plan your places of appointments ahead and keep a copy program in the event. Chose for good deals.

Indeed, this house works to get perhaps a band of friends who want to have an excellent time in a particular spot or location or a household. It’s a great way to conserve money while traveling. Therefore the the time serviced apartments can offer you accommodation’s sort you’ll need.

Rent Vacation Rentals In Cyprus And Enjoy

Shakira is really a female superstar most of US learn and lots of of us love. Definitely not as well know in the US, she’s a worldwide star regarded on her audio, singing capacity that is good, and extraordinary elegance. Thinking about understanding more? Then read on.

Often we get caught within the dilemma to choose a location for our vacations. Where you will discover the mountains of mountains like elephant or Montgo, since it is found in the northern part of the Italy Denia is the reply to your holiday problems. The villas tenerife which might be located in these foothills offer an excellent view of Denia as well as the beach surrounding the place.

With so much to find out and do, Ny tenerife south accommodation will be extremely flexible for almost any traveller and are not hard to find. Amongst the top accommodations Are The Plaza, Doubletree Guest Bedrooms, Nyc Marriott Marquis and Resort and also the Four Seasons Resort. These resorts offer transportation amenities, superb room service, striking locations and comprehensive entry for that handicapped. These accommodations provide more than simply lodging. The Hilton Club and Hotel also offers diner a complete bar and club rendering it an ideal spot for nightlife.

Mayfield fought in front of rarely one thousand. Poor old casa viera villa in southern tenerife Torre had maybe three people rooting him on that evening, and they were all-in his corner. For Mayfield, the problem after his exploitation of casa viera villa in southern tenerife Torre was apparent.

Let the Journey function as the Getaway – While getaway places like places and amusement parks might be thrilling, they commonly are extremely expensive. To ensure that from you trip, the cost of being there may trim times along with cost of having there. If you should be willing to travel by terrain, sometimes by automobile or train, the scenery alone may be worth the journey. Additionally it is not totally blame. Combined with scenery, many of byways and the streets of the united states are household to a large number of wonderful local attractions and cheap holiday spots.

Seattle School now heads out including a rematch with Sac State at 4 Friday – suits, on the trail for four. After that it heads to UNLV on Oct. 24 , New Mexico on Oct. 22 and San Jose State Sunday. The following property suits of the season are against Air Force on Oct. 29 plus a Halloween matchup with Denver on Oct. 31. These are the final two property suits of the season for the Redhawks.

Bad Credit Loans – Risks And Benefits

Another reason you need to avoid payday loans is the very high charges that are incurred if you skip a payment. Missing just one payment can raise the amount that you owe up to 50%.

The exceptional part of home equity loan rates is that they are fixed, stable, low as well as possess tax-deductable features. This can prove as the most cheaper and affordable option in the long run to any individual. Basically, a cash advance installment loans system allows a person to borrow a large sum of cash and can pay it back over a period of time with monthly payments. They are somewhat similar to payday loans but the only thing that makes these loans different is that you can pay the loan back in installments.

Avoid using the advances except when the emergency is highly demanding and cannot wait. If you can get by it then do not apply for the loans. You do not have to take these loans because you need a new outfit or some luxury. Unnecessary things have no place in the life especially when it comes to fulfill them with short termed, expensive loans. Keep in your mind that loans have to be paid back on time. Your delays will cost you extra charges that could be highly devastating.

Quick bad credit cash advance loans are the most probable means to acquire cash fast. Most of the wise people get funds from such finances when they find nobody to pay for them. These credits have gained too much popularity that now you can see several companies which are offering such loans. Each finance company has its own terms, conditions and interest rates. It is up to you which company you prefer.

These can be attained by the borrowers without falling in to the formalities of collateral security. This, in turn, reduces the paper work making it easy for them to raise short term payday loans cash advance. Even the fear of restricting the use of the pledged asset is also totally abolished.

One of the advantage of payday loans is that you can take one out regardless of your credit rating. In addition to this applying for cash advance has no impact on your credit score. The only requirement to qualify to receive the payday loans is an active current account and a regular job.

In Science, Metaphysics, History and Myth

Amethyst is the purple variety of Quartz. The color is induced by impurities of iron, or perhaps iron and manganese.

Amethyst has a long history of use as a gem and as a magical stone. The name is derived from an ancient Greek word meaning “not to intoxicate”: In Greek myth, the God Bacchus got mad at the goddess Diana, decided to get even with her by having the next person he saw devoured by tigers. A beautiful maiden named Amethyst was the first to cross his path afterward, and he set the tigers upon her. She called upon Diana for protection, and to save her, Diana turned her to a hard, clear stone. Bacchus came to regret his deed, and in despair poured his favorite beverage, a nice purple grape wine over the clear stone statue that Amethyst had become. The color was absorbed by the stone, and became permanently purple.
Because of this story, the legend that amethyst would prevent intoxication began centuries ago, and continues in some areas today.

Amethyst is occasionally known as the “bishop’s stone” due to the fact that amethysts are the predominant stone worn by bishops of the Catholic church.

Amethyst is found in Mexico, especially in the Vera Cruz area, in Canada, especially in the Thunder Bay area. It also comes from Siberia, Uruguay, and the major source of amethyst for gemstones is Brazil. In the U.S. Amethyst is found on Four Peaks, near Phoenix, Arizona and at several other localities in Arizona Including the now famous Fat Jack Mine. It is also found in Colorado, North Carolina and many other areas.

Current metaphysical beliefs about amethyst include:

Balances emotions, enhances compassion and tolerance, helps to blend opposing personalities into strong relationships.
Keeps you in touch with your spirituality and helps you reach your highest goals.
Balances and heals all chakras, but especially the third & seventh.
Keeps you grounded, and aids in Channeling.


Azurite – Malachite

Azurite, a copper carbonate, is almost always found intimately associated with malachite which is nearly identical chemically to it: Azurite’s formula is 2CuCO3 * Cu(OH)2, while malachite is CuCO3 * Cu(OH)2. Given time and the proper environmental conditions, azurite almost always alters to malachite. Because of this factor, azurite is much less common than malachite. And, since azurite was often used as a pigment in oil paints, this natural alteration process has turned the blue skies, and other blue areas into green on some paintings from previous centuries.

Azurite is found in many areas, but the major sources are Morocco; Chessy, France; Tsumeb, Namibia (South West Africa); Zacatecas, Mexico; and China. In the U.S., Arizona is a major source for azurite: Incredibly beautiful specimens have been found in Bisbee and Morenci, while many other Arizona copper deposits have produced some very nice specimens. California, Utah and New Mexico have also been significant producers.

Metaphysical attributes claimed of azurite include:

Helps body utilize oxygen and strengthens blood.
Reduces stress and confusion.
Aids in controlling emotions.
Enhances psychic abilities and creativity
Malachite is a great absorber of negative energies, therefore requiring regular “cleansing “; however, when combined with azurite, the negativity will be dispersed rather than stored.


and “Gem Silica”

This is an example of the very finest GEM DRUSY SILICA.
material of this quality is very rare and very expensive.

Until recently, GEM SILICA was a very rare material, found almost exclusively in Arizona, mostly from mines in the Globe-Miami area. It is chalcedony (silicon dioxide) covering, containing and mixed with chrysocolla which is a copper silicate. Small quantities of Gem silica have been found in other regions in the last couple of years.

Chrysocolla itself is a fairly common mineral, occurring in small quantities in many areas, usually associated with other copper minerals. Unfortunately, pure chrysocolla is usually too soft and crumbly to be used in jewelry, even though it is a beautiful stone. But when a deposit of chrysocolla is visited by silica laden solutions, one of the most attractive and uncommon gemstones is formed.

Look closely into a gem silica – chrysocolla and you will see “worlds within worlds”: landscapes, abstract forms, bullseyes and indescribable structures. Often, the chrysocolla will contain other minerals such as green malachite, black tenorite and (rarely) dark blue azurite or red cuprite, as well as other exceedingly rare minerals.

Modern metaphysical powers ascribed to chrysocolla include:

Aids in preventing ulcers, digestive problems and arthritis.
Balances hormones, Alleviates fears, guilt and tension.
Amplifies creativity, joy and communication.
Neutralizes anger and calms frazzled nerves.
Gem silica – Chrysocolla supposedly has the same metaphysical powers that plain chrysocolla has, but is stronger, because the silica acts as an amplifier.

Often confused with turquoise by novices, Gem Silica is much more interesting and valuable.


I never really cared for diamonds until recently- I always thought that they were vastly over-rated as gemstones, and never really felt that that they had any value metaphysically. But, a few months ago, I started a part-time job as a jeweler for a traditional jewelry store that deals mostly in gold and diamonds. There, and mostly by accident, I discovered that diamonds are a superb channel of powers of Spirit. Both the elemental powers of Spirit, and on the Astral and Spiritual Planes. Some of the metaphysical authors and researchers claim that diamond is primarily for fire energy, But my experience indicates that Spirit is its major use, although it does have a fire component.

The earliest known diamonds probably came from India- where most deposits are entirely depleted today. Today, most diamonds come from Africa- Mined from “kimberlite pipes” (A geological term), some from shafts over two miles deep; Also gathered from river beds, beaches and the ocean floor on the west coast of the continent. Russia (Siberia), Brazil, Venezuela, Guyana, Australia, Canada and China are notable producers. In the U.S., Colorado has very recently become a significant source of diamonds- (so far they are mostly fairly small).

Arkansas is the most famous U.S. producer, and there is even a mine called “The Crater of Diamonds” where you can go and for a small fee, try to find your own diamond. So far, the largest diamond found in the US (in Arkansas) is a 40.23 carat (rough weight) that was cut into a 12.42 fine quality rectangular gem. Also in the U.S. a very limited number of diamonds have been found in California, Alabama, North and South Carolina, Georgia, Virginia, Wisconsin, Michigan, Indiana, Ohio and a few other states. There is considerable interest in diamond prospecting in Montana and neighboring states lately.

Diamonds are probably the most highly controlled gemstone in the world- The De Beers conglomerate tries to control the market with an iron grip. If not for De Beers, Diamonds would probably cost half what they do, although one good thing about De Beers is that they do tend to create a smooth, reliable flow of diamonds, rather than a “boom and bust” cycle that would probably exist without them.

Diamond crystals are usually octahedral in shape, forming in the Cubic system. They are pure Carbon- the only gemstone that consists of a single element. By far, the greatest percentage of diamonds are not of gem quality. Most are tiny, and not clear. While most people are familiar with diamonds as being colorless, they can range from opaque black to brown, orange, yellow, blue, green, pink, violet and even red(ish). Deeply colored, bright stones are very rare and very expensive. Non- gem diamonds are very useful industrially- as the hardest substance known, it is a superb abrasive.

Diamonds have also been formed synthetically- Carbon under great pressure and heat can be converted into diamond under the right conditions. Some gem quality stones have been made, but they rarely are over one carat.


emrald1.jpg (7799 bytes)emrald2.jpg (4356 bytes)

Emerald is the green version of the mineral Beryl. (Chemical composition: Beryllium – aluminum Silicate) The green color in emerald comes from chrome (Chromium) carried as an impurity {and what a wonderful impurity it is!!}. It usually is found in highly metamorphic geological formations , in schists and shales. (unlike other members of the beryl family which are usually found in pegmatites.)

Emerald is the May birthstone, and symbolizes Faith, Goodness, and Kindness, and was considered the talismanic stone of the goddess Venus.

The first emeralds known to “civilization” probably came from northern Egypt, but Colombia in South America is the most famous and possibly the most important source for high-quality stones. Siberia (Russia), Brazil, and the Sandawana area in Zimbabwe are known to have produced significant quantities of gems. New discoveries in Siberia, Brazil and in Africa occur with some regularity, and it is possible that one day there will be a source that out-shines Muzo and Chivor in Colombia, but for now, the Colombian emeralds generally have the best color. In the U.S., North Carolina, especially the Spruce Pine area is the only significant source of emerald. Some of the colors found there are superb- (I have personally mined some very pretty stones there), But they are rarely over a carat or so, and are usually considered a collectors item more so than source for jewelry.

Emeralds can range in price from quite cheap to incredibly expensive. Like most gemstones the price depends on the color, the size and the clarity of the stone. A top quality emerald will probably cost more than the equivalent quality Diamond. Rubies are the only stone that regularly beats Emerald in price where size and quality are equal.

Emeralds are often “enhanced” by oiling, waxing or several higher tech methods. There are a few types of “synthetic” emerald- Ranging from “lab grown” which duplicate the chemistry and conditions under which natural emeralds form, to outright fakes of other materials or even doublets or triplets using non or lightly colored beryl sandwiching a dark green glass etc. If you are in the market for a higher priced stone, to be safe, buy from a highly reputable jeweler, or with the assistance of an independent professional gemologist. There is a lot of trickery in the emerald market.


Emerald has been considered as a “medicinal” stone to soothe strained and tired eyes, just by gazing at a nice green one. Engraved with the image of a frog, it is supposed to help restore peace. It is the talisman stone not only of Venus as mentioned above, but The Guardian Angel Muriel, and is the stone of all the “Angel Princes”. It is supposed by many to be good for preventing epileptic attacks, stopping bleeding and soothing fears and irritations. It is the fourth stone in Aaron’s Breastplate. In “gem elixirs” it is supposed to be good for all kinds of digestive problems. It is also said to be of value in immune system deficiencies, and to improve meditation and psychic abilities.


Clear quartz crystals are made of silicon and oxygen, combined to form silicon dioxide. It is the most common single mineral in the earth’s crust. It is found virtually everywhere. It is found in “perfect” single crystals from microscopic size to many tons. Common sand is composed primarily of quartz.

Quartz has many industrial uses: It is used as a flux and sometimes an alloying agent in metal smelting. It is the major ingredient in glass. It is very important in electronics- transistors and other solid state devices are based upon quartz’s or silicon’s physical properties.

Nearly every country and state produces clear quartz crystals, and to list them all would be just about impossible. The major producers of quartz include Brazil, Madagascar, Colombia and Arkansas.

While pure quartz is clear (colorless) impurities may give it color. Colored quartz is usually known by other names; Yellow to orange: CITRINE, Purple: AMETHYST, Pink: ROSE QUARTZ, Brown to Gray: SMOKEY or CARINGORM. Non- crystalline (technically cryptocrystalline) varieties of quartz include: AGATE, JASPER, CHALCEDONY, CHRYSOPRASE, BLOODSTONE and many others.

The history, mythology and lore of quartz crystals have provided the material for several books. Almost all societies from the dawn of man have held quartz crystals in esteem. Some used them for utilitarian purposes, more have used them for mystical purposes and in religious ceremonies and offerings to obtain the favors of their Gods. Who hasn’t heard of “looking into the crystal” to read the future? This belief was prominent in many cultures, from eastern and western Europe to China and even among Native Americans.

Modern metaphysical belief has ascribed to quartz many amazing powers. There have been so many claims made about what quartz can do, or help you do, that I can only list a few here:

Enhances the body and the mind.
Activates the pineal and pituitary gland.
Balances the emotions.
Stimulates brain function and amplifies thought forms.
Activates all levels of consciousness.
Dispels negativity in one’s personal energy field and environment.
Receives, stores, transmits, activates and amplifies energy.
Aids meditation and communication with the Higher Self and Spirit guides.


Hematite is the major ore of iron, and is a quite common mineral. Solid, massive hematite has been used in jewelry for centuries, usually as beads, carvings, cameos, and occasionally faceted and called Black Diamond. However hematite CRYSTALS in a form suitable for jewelry use is fairly rare.

Chemically, hematite is iron oxide. (Rust is a combination of hematite and other iron oxides.) Major sources of hematite are near Lake Superior in Minnesota, Michigan and Wisconsin, Elba Isle (Italy), Cumberland, England and the Ural mountains in Russia. Most of the massive hematite used in jewelry comes from Brazil, and the major sources of hematite crystals are Arizona, Brazil and Switzerland. While massive hematite is a silvery black, powdered hematite is a brownish red. The color of this powder, especially when wet results in the name which is from both the Greek and Latin for bloodlike.

In the “olden days” hematite was considered a powerful talisman. In Babylon it was reputed that amulets of hematite would obtain the favor of kings and judges. In Rome, it was associated with the god Mars, and as such, it was a popular talisman for warriors who rubbed themselves all over with a hematite stone to confer invulnerability. In many societies, powdered and mixed with water, it was used as a substitute or imitation blood in various religious rituals.

Currently the metaphysical powers attributed to hematite include a power over all kinds of problems of the blood and circulatory system. It increases resistance to stress. It is supposed to increase energy, vitality, optimism, will, courage and enhances a magnetic personality.

Hematite is a very good “ground” and works to cut off unwanted influences from the astral plane. It also helps one to deal with changes in life and lifestyle.


The name of jade derives from the Spanish “piedra de ijada” which translates to “Stone of the side” because of the belief that if a piece of jade was applied to the side of the body, it would cure kidney ailments.

There are two minerals which are called jade; Jadeite, a sodium- aluminum silicate is the true jade. Nephrite a calcium – magnesium silicate is often called jade, but the purist may feel that nephrite is not a real jade, although it is very similar in almost all of its physical properties.

The premier source of jadeite is in the Tawmaw and Hpakan areas of Burma. It is also found in Guatemala, California, China, Japan and a few other places, generally in small quantities, and far from gem quality. Nephrite is more common, it is found in China, Siberia, New Zealand, Wyoming, California, Alaska, British Columbia, Poland, Taiwan and several other places. Jadeite and nephrite are found in a wide variety of colors, but green, black, gray and white are the most common.

Entire books have been written on the myths and legends of jade. It has quite a long history. Especially valued in Oriental societies, as well as in Central and South America. Even back to prehistoric times, important personages have been buried with gems and implements of jade. The jade miners in Burma daily pray to the jade spirits (Nats).
Even today, many people refuse to be separated from their jade talisman or amulet.

Current metaphysical beliefs about jade include:

Relaxes and soothes the mind.
Cleanses and balances kidneys, spleen, liver, pancreas, stomach & colon.
Brings good luck and fortune.