samedi 15 février 2014

Neighbors Plus Insurance

By Maryl Joop


How Much Does Owning a Boat Really Cost?

Recreation is an important part of every life, and finding a way for you and your family to enjoy the world and the opportunities it provides is an important part of living a full life. As you seek to find the kinds of opportunities you will enjoy in your life and that will help you to be happier as you spend your weekends recreating, you will be able to experience life more fully and grow closer to your family.

The next question to answer is what she wants in the ring. Things to ask her (she may not know the answers so have pictures prepared) include: the type of metal (white gold, yellow platinum, etc.), the type of stones (white diamonds, rubies, sapphires, etc.), the shape of the stone (round, pear, princess, marquise, etc. ), the style of the ring (there are dozens have her identify a few that she likes), separate or welded wedding band. Lastly, you need to know her ring size. When purchasing a ring you want her exact size (jewelers will have no problems sizing the ring for you).

Diamond clarity grades the lack of inclusions or blemishes. Internal characteristics of the diamond are inclusions while external characteristics are blemishes. The clarity rating is given based on the number, size, nature, relief, and position of these inclusions or blemishes. While it is not necessary to understand exactly how the diamond is graded it is important to understand what the grade signifies. None of these characteristics are obvious to the naked eye but may affect diamond brilliance. Have the jeweler let you see the diamond magnified to judge the size of possible inclusions or blemishes.

But beyond the awesomeness of boating, you cannot forget of the cost it may have for your family. Deciding to buy a boat is an important decision for which you need to think of the different consequences, and find a way to balance your desire with the costs that it may have for you and your family.

With your now much smaller list of stores take off work during a weekday (Saturday store hours are limited ironically) and visit each store. Tell the sales rep what you are looking for and have you show her what they have that meets your qualifications. Write down notes about the rings, their prices, and any deals that are offered. Also ask details about the warranty offered on the ring. Check if the warranty offers insurance, if it does not consider including the ring in your home insurance policy. Be aware that the prices listed for rings are usually just the setting and you will need to pay for a stone as well.

One of the costs you will need to take into account as you consider purchasing a boat is insurance. Insuring a boat can be expensive and is a cost that will persist for as long as you have your boat, so make sure to keep this cost in mind as you decide whether or not you should purchase a boat. So much like auto insurance in long beach, you will also need to work on finding the right insurance for your boat.

Maintenance and fueling are other costs that you should consider as you think about buying a boat. You will need to ensure that your boat is safe on the water so you can maximize your fun and minimize the danger. By keeping your boat well maintained, you will be able to feel comfortable on the water.

Return home with your arsenal of information and lay it out before you (again mine was in excel). Continue to eliminate stores that after the visit don't meet your standards. Identify a handful of potential rings you could use. Remember to consider the stone you will select, its quality and accompanying price. Now, you may want to check back with your girlfriend to see if your choices are acceptable but that depends on her preferences. After you have weighed the pros and cons of each select your ring and return to the store. Locate your ring, sign the necessary papers (make sure to read these) and purchase the ring. Now on to your proposal, good luck my friend.




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