OneBeacon Insurance Groups CEO Hosts Analyst Meeting Transcript

OneBeacon Insurance Groups CEO Hosts Analyst Meeting Transcript

OneBeacon annual investor meeting, and were happy to have you here on what I understand is a nice, rainy afternoon. So following on this morning from the White Mountains meeting, were going to take you a little deeper into OneBeacon this afternoon and spend a little time talking about how we see the business, how we operate in the insurance business and then answer your questions. So with me today, Ive got Dennis Crosby and Paul Romano, who oversee the majority of our specialty businesses, and theyre going to talk to you in a deeper dive on that; and then Paul McDonough, our CFO. So well walk through this. So we have the Safe Harbor Statement that we are required to put up and have dutifully done so. Moving on, Ive just talked to you a bit about our agenda and what were going to go through and how were going to walk through it, and then well have at the end for questions and answers as we move along.

The next slide, if you were here this morning, you saw these. These are our operating principles handed down by our founder, Jack Byrne, that we still operate by. In fact, we, at many of our meetings, start with this and talk about our belief in these things and what that means to us and how we make them real. But it is truly a living, breathing, guiding document and mantra that we have inside of the company that continues today.

Moving on. This is our booked value growth. Since the IPO and you start with the balance sheet in September of 06 and we went public in November of 06, as youll recall, and youll see over the period of time, up until the first quarter, we have grown book value per share at 6.5% on an IRR basis, including dividends from that period of time. Now, not necessarily the kind of record that we hope to be able to put up as we go forward. But all in, not a bad record, I think, given the period of time that we operated in, in the financial crisis, number 1. And number two, during this period of time, transforming the company. This is when we have done a lot of our work relative to maneuvering the company to get in businesses that we believe will offer higher returns and to extricate ourselves from those businesses that are less so and a bit of a drag. So that is the actual reported result. And all in, its okay but we expect to do better as we go forward.

This is the slide talked about this morning, and Carmen, if wed bring up the right hand side. I mentioned this morning and this is our journey, the specialty slide. On the right hand side of the slide, you see all of the different things weve done in each of the years, which really are part of what has transformed the company. And obviously, we start with the acquisitions by White Mountains. In 2002, OneBeacon Professional, which Paul is going to talk a little bit about this more morning, was started as our first specialty business, and it is our largest business today and a very successful business. And then as you roll forward into 04, we started our specialty property business, which we still have today. As well in 2004, we purchased the specialty commercial book from Atlantic Specialty which was a very good acquisition for us. The principal business was specialized commercial. Out of that came our Technology business, which we still have today and also, importantly, the other asset we received in that is the technology operating platform that we still use in the company today, so a very successful acquisition for us. 2005, we started financial services and Lawyers Professional, both businesses are still on today and Paul will talk about those. In 2006, we had the IPO, as you all know, as we well we started our accident group. And all those businesses that weve talked about were started from scratch with a team of people building out a business. And for example, as Paul and Dennis will talk about, I mean, accident is a great example. We started with a small team of people and, today, thats $100 million of business for us, extremely profitable and doing well. 2007, we commenced the Hagerty relationship. And as youll see in 2013, we end the Hagerty Relationship. But we started in 2007, it was a very successful venture for us. In addition to that, we formed the government risk, which well talk about, Dennis will talk about that a little bit, a very successful specialty for us operating today. 2008, we bought our entertainment business out on the West Coast. We still have that today. 2009, we sold the commercial lines renewal rights to the Hanover group and in a transaction that, I think, both sides would say has been very good. The Hanover, I think, is very pleased with the business they received that I think was very well underwritten and, as well, I think they took roughly about 185 of our associates, who are working there today and form the backbone of their commercial lines operation and we did very well financially on that transaction.

We also started the energy group and one of the things youll hear us talk about. Part of being a specialty company is not only starting businesses but also managing them and making decisions if you dont think you have the ability to continue to hit the hurdle rates and the returns, and the Energy business is one that we have gotten out of in 2012. And well talk to you a little bit about that and talk to you about why and how we think about those things. As you move on to 2010, importantly, we sold the Personal Lines business. So again in our transformation relative to the premiums, you see now as you rolled 2010, were no longer in the General Commercial business, were no longer in the Personal Lines business and, as well, we started our excess and surplus lines, which for us is really focused today on environmental. Its not a broad based E market. Were not in the excess casualty business. But its an opportunity for us, if we feel that time is right to expand our offerings in E and Dennis will talk about the environmental business in a few moments. In 2011, we sold AutoOne, which was our assigned risk Auto business in New York and again the assigned risk auto market had shrunk to a pretty small number and it became a very tough business for us to make money in, and so we exited. 2012, last year, we started the programs operation, and Dennis will talk to you a little bit about their focus here in a moment. As well, we started the commercial surety operation and Chad Anderson and some of his associates are here today that started that. Were excited about the future for that business. And importantly, we reached the agreement to sell our one off business to Armour, which, in our mind, when we closed that transaction, hopefully some time later this year, that will complete the full transformation of this company from a broad based generalist to now a specialized, focused company with, today, 11 or 12 different unique operating segments and our entire premium base will be go forward specialty without legacy liabilities, which is a pretty unique opportunity for us going forward.

So a little more detail on the transformation and on the focus, we looked at this platform and believe we have the skills and the scale and the capability to compete very successfully in the specialty marketplace. When we were a broad based general insurer, that was more of a challenge. In the businesses were in, we feel very good about our positioning.

Carmen, next please. Weve already talked about I think these highlights. I hit the majority of these. Again, I would say, youll see us continue to always look for opportunities to find segments that we think we can attract a group of people that understand and are able to deliver profit in their segments where theyre known and the market respects them. We added 2 new businesses in 12. And as you could see on this slide, we continue to always be active in looking for those kind of opportunities to build out the platform but its driven by the profit opportunity, not by the premium. I get asked fairly often, are we big enough to compete? Im not worried about that. In every one of these businesses, we compete very well, very successfully. We are able to compete in these Specialized Businesses today even if wed never added another one. I dont expect that to be the case. But if it were the case, we could compete quite well with what were doing today. So the only other thing I would add on the transition at the bottom, relative to Hagerty, and I had some people ask me this during the break, again in simplest terms, the way I would describe that for you, thats a relationship. Hagerty is an MGA and a collector car business, theyre very good at the collector car business. We had a very successful run with them in that business, but it was an MGA. And when it comes time to renegotiate the agreement with the MGA, you either reach terms or you dont. You have to figure out how youre going to divvy up the pie and if you dont like the way its going to be divvied up, you move on. In our case, importantly, we were also we dedicated a company to that business, and that company was an important part of the asset that the new carrier needed to go out and write that business for Hagerty, and we were able to get a very good price on our exit, selling that company to them and, in totality, over the 5 year relationship, we did very well. But its a business that were no longer in and we move ahead.

So financial highlights, really this is meant to just show you that in the first quarter of 2013, we obviously had a good start to the year. There may be a 3 ph, just under 7% growth in book value. 2012 was a more challenging year for us, both on the loss side with Hurricane Sandy, which was worth almost 4 points loss on the loss ratio side and, as well, we had some one time expenses. Underneath it, we really look at the business as a run rate, low 90s combined ratio business. If were to look back at the previous slide or even back to 11, you can see the 92.1%. We think thats very achievable and doable and something that we have delivered in the past. And Hurricane Sandy was a significant event for us even though were no longer in the Personal Lines business or General Commercial, it was a significant event for the marine business. And were one of the leading marine markets. And obviously, for those of you that live anywhere near here, you understand the impact on the marine business relative to the otts ph and, as well, relative to the marinas, et cetera. So it was a big event for us. Its one that as we look at anytime you have an event like that, you really look at things. What did you learn? You always learn some lessons, but theres nothing in there that we think we missed blatantly that would cause us to say, what are we doing here? It was a significant event but, in our view, one of the bigger events likely that we could face, hopefully, knock on wood, and we withstood it really quite well.

Next slide. This really shows you, over that period of time, these are calendar year all in reported combined ratios. It shows you our actual reported results, and I think, again, supports our view of the ability for this business to deliver very strong results as we roll forward.

Okay. And now with that. Im going to introduce Dennis Crosby and Paul Romano. They oversee the insurance operations, and Paul Brehm, whos here as well, oversees a few of the businesses, to talk to you about how we look at managing specialty businesses and a little bit of insight into a number of businesses that we have. Gentlemen?

Can we develop our indiscernible.

Good afternoon. Thanks for being with us. Were kind of excited to walk you through this. Its always great when the Chairman discusses indiscernible its not my fault, its his fault, all right. So were going to talk a little bit about the businesses and what we do and how we do it. One of the things that youll hear me talk about today is really differentiated results, and thats what this is all about, were a specialty company. The expectations from our 74% owners and from the Chairman is to basically give results that are better than the market delivers, normally, and we think based on what were going to talk to you about today, the businesses weve got, we have the capability of doing that, and I think thats the key.

I want to walk you through these businesses a bit and Im going to use 2 terms that I just want to explain very quickly. Were not going to we can get in as much detail later as you like, but Im going to call them mature businesses, and Ill talk about those first. The mature businesses, by definition, are businesses that have been with us, say, 5 or more years. Theyve had sufficient time and space to kind of perform the way we expect them perform. So Ill talk about mature businesses. There are other the 2 businesses well talk about here call developing. The Developing businesses, when we start a business, we will give it 3 to 5 years, and Im talking about from incubation to performance. Well give it 3 to 5 years to get up and running. Those Developing businesses well talk about here as well, but I just want to kind of set the table for you, because there is a life cycle in these businesses. Some of them are early on, some of them are much later. Mike talked to you about it a little bit. IMU, Bob Geller, Bob is here. He actually is the president of our IMU operation. Hes based here in New York. IMU was really formed back in the 1900s. It is a mature business for us. Im just talking about North American business, not International Marine but basically in North America, and thats where we focus. His focus is really haul, cargo and the yacht business and they do it very, very well. So the other thing that weve done, as Mike talked a little bit about adding inland marine teams, we added some people to inland marine. It was a stand alone business with us with some online the property. We actually moved it to Bob. And so weve got the inland marine in here. So were one of probably, what, Bobs 6 or 7 companies now that have a combined wet marine, dry marine operation. And theres some huge benefits to this and well talk about them a little bit later, but one of the primary benefits is we get to leverage Bobs distribution with people who are actually in this business very deeply and offer more product. And its not something that we really focus on as a specialty company, but when we can leverage opportunities like that, we really like to do that.

Second business is specialty property. Mike talked a little bit about it. It came to us in 04. this is strictly excess property. The differentiator here is they do business with wholesalers and its not admitted, or surplus lines business. So they nothing but excess property. The team came to us in 04. There were 16 of them. Weve got 20 of them now employees. But that whole team, in its core, has been with us since 04. No ones change. They know this business. They know this market. Were positioned in the right places. Theres minimal cap in this excess property and it fits within some parameters that we agreed to with our enterprise risk folks, but the bottom line is this is a very high performing business for us, the specialty property.

Government risks is unique. This is something that was started in 07, Coles ph started here at OneBeacon. Its really a good story. It really focuses just on cities and counties. We talk about municipalities and special districts, but in their portfolio theyre about 50% county business and about 40% city business, small to medium sized risk. We dont write big cities. We dont do any sophisticated risk transfer with any government entities. These are really just medium and small sized cities and counties. From Coles ph start to now, they write about $75 million of business consistently running combined ratios in the mid to high 80s, so its a very high performing business for us. Were actually looking at ways, that within the reasonable context of the marketplace, to try to get some more business in here, because we think its really well and high performing.

Our technology business. Again, Mike mentioned this. It came to us in 04. This is a very interesting business. It is a mature business. It is another one of our larger businesses. This business here focuses as weve talk about here Information Technology and Medical Technology. It really is hardware and software. We also do this on a package basis, so well put property in auto and general liability together to run at the Technology business. Very interesting dynamic here. Hardware software, when we talk about Medical Technology, this is really equipment, x ray machines, EKG machines, things like that. Thats what we do in the Medical Technology business today. The interesting dynamic here is that this business changes very dramatically. It moves on and on and on. Were constantly dealing with new issues and emerging issues in the Technology business. I think weve got the expertise and the staff to kind of deal with it. So were very happy with the business that weve got right now. We will do close to $150 million of Technology business here. Another interesting dynamic, which Mike mentioned as well is that in the Technology business today, Travelers, Chubb, C Zurich, OneBeacon. Its really instrumental in the specialty businesses to have the staff, the people, the expertise and the placement, and I think weve been very specific about where we put people. Southern California, Northern California, Atlanta, in the New England area, Boston, particularly. Youve got to have people in these locations to write this business and as a specialty carrier, youve got to understand that and move in that direction.

Entertainment business, we call it OneBeacon Entertainment. We acquired it in 08. It was actually an MGA when we acquired it. It is a mature business for us but as we talk about the Entertainment, sports and leisure, if we really boil this business down, we really focus on small productions, which Im talking about films, under $50 million. We dont do any big budget productions. We also do an awful lot of TV, both rely reality TV and network television shows like NBC. The other part is the sports and leisure. Thats really the sports please. We do write pieces of certain sport scenes but it really is about venues, about the actual arena that people play and then well write the GL and push the contingent liability off. So again a business that has taken us a while to get our arms around relative to how it performs and how we believe it should perform, but again we think were in a good position right now in the Entertainment business. The other part as a specialist which youll understand about the Entertainment business is that if you look at it, there are only 3 competitors in this space, serious, significant domestic competitors, let me clarify that. Its Firemans fund, its Travelers and its Chubb and then its us. So youre in a space where you have limited competition and know one another. Clearly, Lloyd is involved in this but for the most part theyd rather deal domestically as opposed to going to London. So its an interesting market to be in.

Excess and surplus is what we call it, it really is a developing businesses. These last 2 are Developing businesses as we spoke about. Theyre up and running. E has been running for 3 years. This is really environmental business. Nobody needs to get overly concerned, again, this is Middle Market environmental business. So if you know anything about real estate development or construction, everybody who touches the ground these days has to have some level of environmental liability. That doesnt mean there is ever any environmental liability, it just means you have to have it contractually, thats what we do. Theres also some products pollution for some light manufacturing that we do

How to Determine if jewelry or coins are made from real gold or fake

How to Determine if jewelry or coins are made from real gold or fake<br /><br />Looking to polish up some old jewelry? Your skin, soap, and even the air can dull your gold jewelry. Bring the luster back with a few household items and these five steps.<br /><br />You Will Need:<br /><br />Sizing a gold ring requires specific tools and procedures that differ between metals. Learn the steps that go into sizing a gold ring in this free instructional jewelry video series.<br /><br />Part 1 of 8 How to Size a gold ring.<br /><br />Size a gold ring Part 2 of 8.<br /><br />These gold stone stringers look like glistening incense sticks and are incredibly beautiful. Check out this jewelry making tutorial to learn how to turn gold stone lumps in blue and an orangey yellow into long sticks, or stringers, made of these melted lumps.<br /><br />Bead expert Kate Drew Wilkinson guides you through the process of encasing the gold lumps in COE 96 clear glass and then pulling stringers using a torch. Be safe and make sure you had experience using a torch before beginning this project!.<br /><br />Join Lisa Niven Kelly from beaducation and learn all the basics on getting started with stamping. Learn how to personalize your jewelry by stamping on metal. In this demo, Lisa discusses the necessary tools and teaches you how to make a pendant by stamping on a metal blank, punching a hole, and oxidizing. So get out your letter stamps, bench block, and hammer and stamp away! Learn how to make a stamped pendant for jewelry making.

How To Make a Beaded Cross Necklace

How To Make a Beaded Cross Necklace<br /><br />Some people wear a cross necklace as a symbol of faith while other people wear it for the sake of fashion. A cross now has simple to complicated designs. Finding the perfect design for your cross is now easy with these so many choices. If you want to make your own accessory, why not try to make a beaded cross necklace?<br /><br />Designing a beaded cross necklace can be easy or difficult depending on the specific style that you want. Some designs can be finished after an hour or two while some can be done within five minutes. Follow the instructions below and you will have a simple beaded cross necklace in less than five minutes:<br /><br />Cut about three feet of 3mm white suede cord. You may use other colors or other kind of cord or string as long as four strands of it can fit into the hole of your chosen beads.<br /><br />Choose your beads and bead colors. For this example, use six pieces of pony beads. Colors are red, orange, green, blue, white, and yellow.<br /><br />Insert the red pony bead into the suede cord. The bead should sit at the middle of the cord.<br /><br />Level the two ends of the cord. Keep the red pony bead at the middle. Insert the orange bead into the two strings until it touches the red bead. This should lock the red bead to its position.<br /><br />Insert the white pony bead just like how you inserted the orange bead. Separate the cords two ends.<br /><br />Insert the blue pony bead into the right end of the cord. Insert the yellow bead into the left end of the cord.<br /><br />Get the right end of the cord and insert it into the white bead. Slide the white bead up to give enough space for stringing the cord. At this point, there are already three strings inserted into the white bead. Doing this locks the blue pony bead.<br /><br />Get the left end of the cord and insert it into the white bead. Do this in the same way that you did with the right end. This also locks the yellow bead. Now, the white bead has four strings inserted into it. The two ends of the suede cord should now be coming from the white bead. Instead of stringing the white, blue, and yellow pony beads together, you can glue them together. Lay the yellow and blue bead on a flat surface so that their holes are facing up. Lay the white bead between them so that its hole is facing the yellow and blue beads. Glue them together to achieve the same position. Once the glue is dry, insert one end of the cord into the blue bead and insert the other end into the yellow bead.<br /><br />Insert the green pony bead into the two strings of the suede cord. You now have a beaded cross necklace. Secure it by tying the two ends of suede cord together. The tied portion should be near the green bead. Tie the ends of the cord so that the necklace will be long enough for the wearer.

How To Make a Beaded Cross Necklace

How To Make a Beaded Cross Necklace<br /><br />Some people wear a cross necklace as a symbol of faith while other people wear it for the sake of fashion. A cross now has simple to complicated designs. Finding the perfect design for your cross is now easy with these so many choices. If you want to make your own accessory, why not try to make a beaded cross necklace?<br /><br />Designing a beaded cross necklace can be easy or difficult depending on the specific style that you want. Some designs can be finished after an hour or two while some can be done within five minutes. Follow the instructions below and you will have a simple beaded cross necklace in less than five minutes:<br /><br />Cut about three feet of 3mm white suede cord. You may use other colors or other kind of cord or string as long as four strands of it can fit into the hole of your chosen beads.<br /><br />Choose your beads and bead colors. For this example, use six pieces of pony beads. Colors are red, orange, green, blue, white, and yellow.<br /><br />Insert the red pony bead into the suede cord. The bead should sit at the middle of the cord.<br /><br />Level the two ends of the cord. Keep the red pony bead at the middle. Insert the orange bead into the two strings until it touches the red bead. This should lock the red bead to its position.<br /><br />Insert the white pony bead just like how you inserted the orange bead. Separate the cords two ends.<br /><br />Insert the blue pony bead into the right end of the cord. Insert the yellow bead into the left end of the cord.<br /><br />Get the right end of the cord and insert it into the white bead. Slide the white bead up to give enough space for stringing the cord. At this point, there are already three strings inserted into the white bead. Doing this locks the blue pony bead.<br /><br />Get the left end of the cord and insert it into the white bead. Do this in the same way that you did with the right end. This also locks the yellow bead. Now, the white bead has four strings inserted into it. The two ends of the suede cord should now be coming from the white bead. Instead of stringing the white, blue, and yellow pony beads together, you can glue them together. Lay the yellow and blue bead on a flat surface so that their holes are facing up. Lay the white bead between them so that its hole is facing the yellow and blue beads. Glue them together to achieve the same position. Once the glue is dry, insert one end of the cord into the blue bead and insert the other end into the yellow bead.<br /><br />Insert the green pony bead into the two strings of the suede cord. You now have a beaded cross necklace. Secure it by tying the two ends of suede cord together. The tied portion should be near the green bead. Tie the ends of the cord so that the necklace will be long enough for the wearer.

How to Care for Opal Jewelry

How to Care for Opal Jewelry<br /><br />With their flashes of red, orange, and blue, opals may have more color than diamonds, but theyre not nearly as tough. In fact, compared to most gemstones, opals are relatively soft and have a higher water content, so they can be damaged by things that wouldnt affect stones like rubies or sapphires. Taking care of opal jewelry properly isnt difficult, but it does require some special knowledge. How to avoid damaging opal jewelry<br /><br />Opal is fairly delicate and really shouldnt be worn every day. This is why opals arent recommended for engagement or wedding rings. When you do wear your opal jewelry, take care not to hit or scrape it against anything. Even a relatively soft object, such as a wooden banister, could scratch or crack an opal.<br /><br />Sudden changes in temperature can also damage opals, so dont wear your opal jewelry while doing dishes, cooking, or while youre in the shower. Keep in mind that opals can tolerate both some heat and cold; what damages them is abrupt temperature change, such as coming into an air conditioned house from a hot day or washing your hands with an opal ring on in hot water then going out into the cold.<br /><br />If you have an opal doublet or triplet, dont leave it immersed in water for prolonged periods, such as while youre swimming or taking a long bath. Of course, that doesnt mean if you forget to take it of in the shower or youre caught out in a storm your opal jewelry will be ruined. Just try not to let it sit in water for more than 5 minutes.<br /><br />How to store opal jewelry<br /><br />The most important issues to consider when deciding how to store opal jewelry are maintaining the moisture in the stone and avoiding sudden changes in temperature. Opals have a fairly high water content, usually around 5% or 6%. This is part of what gives them their color flashes, but its also what makes them so fragile.<br /><br />For day to day storage, keeping your opal jewelry in its own soft cloth bag will help keep it from getting scratched. If you need to store opal jewelry for a long period or you live in a very dry climate, seal it in a plastic bag with a slightly damp piece of fabric or cotton balls to help keep the gemstone from drying out. Avoid storing opal jewelry in a bank vault, where the humidly is low, or in a dehumidified room. You may have heard that opals should be stored in glycerin, but this isnt really necessary. It wont harm your opal, but all it will do is cover your jewelry in sticky stuff thats hard to wash off. If youre concerned about low humidity, just use the plastic bag method mentioned above.<br /><br />Dont store opal jewelry in conditions where the temperatures could fall below freezing or become very hot, such as in a basement or attic. At high temperatures, the natural water in an opal can evaporate. Also, opal jewelry is better off stored away from windows, doors or heating/air conditioning units, so the gemstones arent exposed to sudden temperature in changes.<br /><br />How to clean opal jewelry<br /><br />Keep in mind that some dust particles are actually harder than opal, so just rubbing the dust off can cause microscopic scratches that, over time, dull the shine on your opal. To clean your opal jewelry, first rinse it in luke warm never hot or cold water and then carefully polish it with a piece of soft material such as tissue or silk. If the jewelry needs a more serious cleaning, use luke warm water with mild soap and a soft brush to gently scrub the back of the jewelry. As long as you dont do this frequently, you wont damage the opal.<br /><br />Never use harsh detergents, gem polishing solutions, bleach, abrasives, or even toothpaste to clean opals. Some chemicals can alter the pH balance acid/alkali ratio of the opal or be absorbed into the stone. Its fine to soak a solid opal, but soaking a doublet or triplet opal is likely to cause the adhesive used in these opals to break down, which will make the stones look cloudy.<br /><br />Ultrasonic cleaners are another thing you should keep your opal jewelry away from. These cleaners use vibrations that can cause opals to crack or weaken the adhesive in a doublet or triplet.<br /><br />Cleaning is also a good time to look your opal jewelry over for wear and damage. If you notice the claws in the setting are loose or the stones are looking dull, take the piece to a jeweler or gem cutter for maintenance before the problem gets worse.<br /><br />Opals are somewhat fragile gemstones, but when you know how to wear, clean and store opal jewelry properly, your opals will stay beautiful for decades.

How to Care for Opal Jewelry

How to Care for Opal Jewelry<br /><br />With their flashes of red, orange, and blue, opals may have more color than diamonds, but theyre not nearly as tough. In fact, compared to most gemstones, opals are relatively soft and have a higher water content, so they can be damaged by things that wouldnt affect stones like rubies or sapphires. Taking care of opal jewelry properly isnt difficult, but it does require some special knowledge. How to avoid damaging opal jewelry<br /><br />Opal is fairly delicate and really shouldnt be worn every day. This is why opals arent recommended for engagement or wedding rings. When you do wear your opal jewelry, take care not to hit or scrape it against anything. Even a relatively soft object, such as a wooden banister, could scratch or crack an opal.<br /><br />Sudden changes in temperature can also damage opals, so dont wear your opal jewelry while doing dishes, cooking, or while youre in the shower. Keep in mind that opals can tolerate both some heat and cold; what damages them is abrupt temperature change, such as coming into an air conditioned house from a hot day or washing your hands with an opal ring on in hot water then going out into the cold.<br /><br />If you have an opal doublet or triplet, dont leave it immersed in water for prolonged periods, such as while youre swimming or taking a long bath. Of course, that doesnt mean if you forget to take it of in the shower or youre caught out in a storm your opal jewelry will be ruined. Just try not to let it sit in water for more than 5 minutes.<br /><br />How to store opal jewelry<br /><br />The most important issues to consider when deciding how to store opal jewelry are maintaining the moisture in the stone and avoiding sudden changes in temperature. Opals have a fairly high water content, usually around 5% or 6%. This is part of what gives them their color flashes, but its also what makes them so fragile.<br /><br />For day to day storage, keeping your opal jewelry in its own soft cloth bag will help keep it from getting scratched. If you need to store opal jewelry for a long period or you live in a very dry climate, seal it in a plastic bag with a slightly damp piece of fabric or cotton balls to help keep the gemstone from drying out. Avoid storing opal jewelry in a bank vault, where the humidly is low, or in a dehumidified room. You may have heard that opals should be stored in glycerin, but this isnt really necessary. It wont harm your opal, but all it will do is cover your jewelry in sticky stuff thats hard to wash off. If youre concerned about low humidity, just use the plastic bag method mentioned above.<br /><br />Dont store opal jewelry in conditions where the temperatures could fall below freezing or become very hot, such as in a basement or attic. At high temperatures, the natural water in an opal can evaporate. Also, opal jewelry is better off stored away from windows, doors or heating/air conditioning units, so the gemstones arent exposed to sudden temperature in changes.<br /><br />How to clean opal jewelry<br /><br />Keep in mind that some dust particles are actually harder than opal, so just rubbing the dust off can cause microscopic scratches that, over time, dull the shine on your opal. To clean your opal jewelry, first rinse it in luke warm never hot or cold water and then carefully polish it with a piece of soft material such as tissue or silk. If the jewelry needs a more serious cleaning, use luke warm water with mild soap and a soft brush to gently scrub the back of the jewelry. As long as you dont do this frequently, you wont damage the opal.<br /><br />Never use harsh detergents, gem polishing solutions, bleach, abrasives, or even toothpaste to clean opals. Some chemicals can alter the pH balance acid/alkali ratio of the opal or be absorbed into the stone. Its fine to soak a solid opal, but soaking a doublet or triplet opal is likely to cause the adhesive used in these opals to break down, which will make the stones look cloudy.<br /><br />Ultrasonic cleaners are another thing you should keep your opal jewelry away from. These cleaners use vibrations that can cause opals to crack or weaken the adhesive in a doublet or triplet.<br /><br />Cleaning is also a good time to look your opal jewelry over for wear and damage. If you notice the claws in the setting are loose or the stones are looking dull, take the piece to a jeweler or gem cutter for maintenance before the problem gets worse.<br /><br />Opals are somewhat fragile gemstones, but when you know how to wear, clean and store opal jewelry properly, your opals will stay beautiful for decades.

How to Care for Opal Jewelry

How to Care for Opal Jewelry<br /><br />With their flashes of red, orange, and blue, opals may have more color than diamonds, but theyre not nearly as tough. In fact, compared to most gemstones, opals are relatively soft and have a higher water content, so they can be damaged by things that wouldnt affect stones like rubies or sapphires. Taking care of opal jewelry properly isnt difficult, but it does require some special knowledge. How to avoid damaging opal jewelry<br /><br />Opal is fairly delicate and really shouldnt be worn every day. This is why opals arent recommended for engagement or wedding rings. When you do wear your opal jewelry, take care not to hit or scrape it against anything. Even a relatively soft object, such as a wooden banister, could scratch or crack an opal.<br /><br />Sudden changes in temperature can also damage opals, so dont wear your opal jewelry while doing dishes, cooking, or while youre in the shower. Keep in mind that opals can tolerate both some heat and cold; what damages them is abrupt temperature change, such as coming into an air conditioned house from a hot day or washing your hands with an opal ring on in hot water then going out into the cold.<br /><br />If you have an opal doublet or triplet, dont leave it immersed in water for prolonged periods, such as while youre swimming or taking a long bath. Of course, that doesnt mean if you forget to take it of in the shower or youre caught out in a storm your opal jewelry will be ruined. Just try not to let it sit in water for more than 5 minutes.<br /><br />How to store opal jewelry<br /><br />The most important issues to consider when deciding how to store opal jewelry are maintaining the moisture in the stone and avoiding sudden changes in temperature. Opals have a fairly high water content, usually around 5% or 6%. This is part of what gives them their color flashes, but its also what makes them so fragile.<br /><br />For day to day storage, keeping your opal jewelry in its own soft cloth bag will help keep it from getting scratched. If you need to store opal jewelry for a long period or you live in a very dry climate, seal it in a plastic bag with a slightly damp piece of fabric or cotton balls to help keep the gemstone from drying out. Avoid storing opal jewelry in a bank vault, where the humidly is low, or in a dehumidified room. You may have heard that opals should be stored in glycerin, but this isnt really necessary. It wont harm your opal, but all it will do is cover your jewelry in sticky stuff thats hard to wash off. If youre concerned about low humidity, just use the plastic bag method mentioned above.<br /><br />Dont store opal jewelry in conditions where the temperatures could fall below freezing or become very hot, such as in a basement or attic. At high temperatures, the natural water in an opal can evaporate. Also, opal jewelry is better off stored away from windows, doors or heating/air conditioning units, so the gemstones arent exposed to sudden temperature in changes.<br /><br />How to clean opal jewelry<br /><br />Keep in mind that some dust particles are actually harder than opal, so just rubbing the dust off can cause microscopic scratches that, over time, dull the shine on your opal. To clean your opal jewelry, first rinse it in luke warm never hot or cold water and then carefully polish it with a piece of soft material such as tissue or silk. If the jewelry needs a more serious cleaning, use luke warm water with mild soap and a soft brush to gently scrub the back of the jewelry. As long as you dont do this frequently, you wont damage the opal.<br /><br />Never use harsh detergents, gem polishing solutions, bleach, abrasives, or even toothpaste to clean opals. Some chemicals can alter the pH balance acid/alkali ratio of the opal or be absorbed into the stone. Its fine to soak a solid opal, but soaking a doublet or triplet opal is likely to cause the adhesive used in these opals to break down, which will make the stones look cloudy.<br /><br />Ultrasonic cleaners are another thing you should keep your opal jewelry away from. These cleaners use vibrations that can cause opals to crack or weaken the adhesive in a doublet or triplet.<br /><br />Cleaning is also a good time to look your opal jewelry over for wear and damage. If you notice the claws in the setting are loose or the stones are looking dull, take the piece to a jeweler or gem cutter for maintenance before the problem gets worse.<br /><br />Opals are somewhat fragile gemstones, but when you know how to wear, clean and store opal jewelry properly, your opals will stay beautiful for decades.

How to Care for Opal Jewelry

How to Care for Opal Jewelry<br /><br />With their flashes of red, orange, and blue, opals may have more color than diamonds, but theyre not nearly as tough. In fact, compared to most gemstones, opals are relatively soft and have a higher water content, so they can be damaged by things that wouldnt affect stones like rubies or sapphires. Taking care of opal jewelry properly isnt difficult, but it does require some special knowledge. How to avoid damaging opal jewelry<br /><br />Opal is fairly delicate and really shouldnt be worn every day. This is why opals arent recommended for engagement or wedding rings. When you do wear your opal jewelry, take care not to hit or scrape it against anything. Even a relatively soft object, such as a wooden banister, could scratch or crack an opal.<br /><br />Sudden changes in temperature can also damage opals, so dont wear your opal jewelry while doing dishes, cooking, or while youre in the shower. Keep in mind that opals can tolerate both some heat and cold; what damages them is abrupt temperature change, such as coming into an air conditioned house from a hot day or washing your hands with an opal ring on in hot water then going out into the cold.<br /><br />If you have an opal doublet or triplet, dont leave it immersed in water for prolonged periods, such as while youre swimming or taking a long bath. Of course, that doesnt mean if you forget to take it of in the shower or youre caught out in a storm your opal jewelry will be ruined. Just try not to let it sit in water for more than 5 minutes.<br /><br />How to store opal jewelry<br /><br />The most important issues to consider when deciding how to store opal jewelry are maintaining the moisture in the stone and avoiding sudden changes in temperature. Opals have a fairly high water content, usually around 5% or 6%. This is part of what gives them their color flashes, but its also what makes them so fragile.<br /><br />For day to day storage, keeping your opal jewelry in its own soft cloth bag will help keep it from getting scratched. If you need to store opal jewelry for a long period or you live in a very dry climate, seal it in a plastic bag with a slightly damp piece of fabric or cotton balls to help keep the gemstone from drying out. Avoid storing opal jewelry in a bank vault, where the humidly is low, or in a dehumidified room. You may have heard that opals should be stored in glycerin, but this isnt really necessary. It wont harm your opal, but all it will do is cover your jewelry in sticky stuff thats hard to wash off. If youre concerned about low humidity, just use the plastic bag method mentioned above.<br /><br />Dont store opal jewelry in conditions where the temperatures could fall below freezing or become very hot, such as in a basement or attic. At high temperatures, the natural water in an opal can evaporate. Also, opal jewelry is better off stored away from windows, doors or heating/air conditioning units, so the gemstones arent exposed to sudden temperature in changes.<br /><br />How to clean opal jewelry<br /><br />Keep in mind that some dust particles are actually harder than opal, so just rubbing the dust off can cause microscopic scratches that, over time, dull the shine on your opal. To clean your opal jewelry, first rinse it in luke warm never hot or cold water and then carefully polish it with a piece of soft material such as tissue or silk. If the jewelry needs a more serious cleaning, use luke warm water with mild soap and a soft brush to gently scrub the back of the jewelry. As long as you dont do this frequently, you wont damage the opal.<br /><br />Never use harsh detergents, gem polishing solutions, bleach, abrasives, or even toothpaste to clean opals. Some chemicals can alter the pH balance acid/alkali ratio of the opal or be absorbed into the stone. Its fine to soak a solid opal, but soaking a doublet or triplet opal is likely to cause the adhesive used in these opals to break down, which will make the stones look cloudy.<br /><br />Ultrasonic cleaners are another thing you should keep your opal jewelry away from. These cleaners use vibrations that can cause opals to crack or weaken the adhesive in a doublet or triplet.<br /><br />Cleaning is also a good time to look your opal jewelry over for wear and damage. If you notice the claws in the setting are loose or the stones are looking dull, take the piece to a jeweler or gem cutter for maintenance before the problem gets worse.<br /><br />Opals are somewhat fragile gemstones, but when you know how to wear, clean and store opal jewelry properly, your opals will stay beautiful for decades.

How To Become a Lia Sophia Consultant

How To Become a Lia Sophia Consultant<br /><br />Jewelry has always played an important part in a womans best experiences. It can be a prom, an engagement, a wedding, or a simple dinner date. For women who are excited about beautiful jewelry and want to earn because of them, being a Lia Sophia consultant definitely works. Being in the business for over 30 years, it provides the opportunity for women to start their own jewelry business.<br /><br />If you plan to become a Lia Sophia consultant, here are the steps that you need to take.<br /><br />Look for what you like. Marketing and selling always begins with the seller believing that what they offer is nothing but the best. Visit the website to search for offered products. Likewise, you can obtain a list of available advisers or consultants in the area by using the Find an Adviser link from the website. Sign up with an adviser that you find easy to talk to. Not only can she give you tips and market trends, but she can also offer discounts in your starter kit. Either way, it is always easiest to sell if you love what you do and you love what you sell.<br /><br />Make contact. Once youre ready, contact an adviser using the contact details that you got from the site. Make an appointment and inform her of your intention to be a consultant. The adviser will then give you more details about the product offerings, as well as other requirements for the application.<br /><br />Become familiar with the products. You can also request a catalog initially so you can browse through the available products. It will give you firsthand knowledge about the products sold and identify which products you think youll be able to sell to your friends and families. Eventually, though, youll need to find an adviser to assist you.<br /><br />Fill out the application form. The adviser assigned to you will provide the application form. Submitting the form online is the easiest and quickest way to file the application. However, you can also opt to submit a completed printed form by fax with the adviser agreement. In either case, youll need to provide an initial payment of $99. You will also be required of a bank account and detailed contact information.<br /><br />Wait. After submitting your application, youll be sent an email or confirmation mail from Lia Sophia that welcomes you as a consultant. Within 3 business days after your application, youll receive a starter kit that contains everything youll need. It includes free jewelry, carrying trays, display clothes, a training video and product catalogs that are estimated to be worth $439.<br /><br />Before running off to potential clients after receiving your starter kit, read through the catalogs and product descriptions first. It will give you more credibility and confidence knowing that you are familiar about everything there is to know of a particular piece.<br /><br />Start selling. You can enjoy the jewelry better once you are able to sell them. Your income as a consultant largely depends on your commissions from products sold. Once you are able to sell a certain amount of Lia Sophia jewelry, youll be entitled to huge discounts for your personal purchases.<br /><br />You can also organize and host Lia Sophia parties. However, remember that as a host, youll have to pay for the catalog and supplies to be used for the party. There are great discounts for these products for being a hostess, but it is still huge money. Thus, to produce nice returns, make sure that you invite all possible potential buyers.

How To Become a Lia Sophia Consultant

How To Become a Lia Sophia Consultant<br /><br />Jewelry has always played an important part in a womans best experiences. It can be a prom, an engagement, a wedding, or a simple dinner date. For women who are excited about beautiful jewelry and want to earn because of them, being a Lia Sophia consultant definitely works. Being in the business for over 30 years, it provides the opportunity for women to start their own jewelry business.<br /><br />If you plan to become a Lia Sophia consultant, here are the steps that you need to take.<br /><br />Look for what you like. Marketing and selling always begins with the seller believing that what they offer is nothing but the best. Visit the website to search for offered products. Likewise, you can obtain a list of available advisers or consultants in the area by using the Find an Adviser link from the website. Sign up with an adviser that you find easy to talk to. Not only can she give you tips and market trends, but she can also offer discounts in your starter kit. Either way, it is always easiest to sell if you love what you do and you love what you sell.<br /><br />Make contact. Once youre ready, contact an adviser using the contact details that you got from the site. Make an appointment and inform her of your intention to be a consultant. The adviser will then give you more details about the product offerings, as well as other requirements for the application.<br /><br />Become familiar with the products. You can also request a catalog initially so you can browse through the available products. It will give you firsthand knowledge about the products sold and identify which products you think youll be able to sell to your friends and families. Eventually, though, youll need to find an adviser to assist you.<br /><br />Fill out the application form. The adviser assigned to you will provide the application form. Submitting the form online is the easiest and quickest way to file the application. However, you can also opt to submit a completed printed form by fax with the adviser agreement. In either case, youll need to provide an initial payment of $99. You will also be required of a bank account and detailed contact information.<br /><br />Wait. After submitting your application, youll be sent an email or confirmation mail from Lia Sophia that welcomes you as a consultant. Within 3 business days after your application, youll receive a starter kit that contains everything youll need. It includes free jewelry, carrying trays, display clothes, a training video and product catalogs that are estimated to be worth $439.<br /><br />Before running off to potential clients after receiving your starter kit, read through the catalogs and product descriptions first. It will give you more credibility and confidence knowing that you are familiar about everything there is to know of a particular piece.<br /><br />Start selling. You can enjoy the jewelry better once you are able to sell them. Your income as a consultant largely depends on your commissions from products sold. Once you are able to sell a certain amount of Lia Sophia jewelry, youll be entitled to huge discounts for your personal purchases.<br /><br />You can also organize and host Lia Sophia parties. However, remember that as a host, youll have to pay for the catalog and supplies to be used for the party. There are great discounts for these products for being a hostess, but it is still huge money. Thus, to produce nice returns, make sure that you invite all possible potential buyers.

Holiday Inn CANYON DE CHELLY CHINLE

Holiday Inn CANYON DE CHELLY CHINLE<br /><br />Gorgeous Sunsets at Hotel in Chinle, Arizona Located in the heart of Navajo Nation, the Holiday Inn Canyon de Chelly Chinle hotel provides an impeccable mixture of ancient Navajo traditions and modern conveniences. With great features like an outdoor pool and a beautiful courtyard, youll stay relaxed. From our hotels location in Chinle, AZ, guests can roam the Canyon de Chelly National Monument. There are 11 points around the rim of the canyon that travelers can drive to and that overlook the spectacular canyon. If these incredible panoramas of weathered rock and plunging cliffs are not enough, tour guides can take you down to the canyon floor where ancient ruins, petroglyphs and pictographs are still visible. Those staying at our hotels property in Chinle, AZ for business find that the hotel is centrally located on the Navajo Reservation. The hotel also provides complimentary wireless Internet access and 900 sq ft of flexible meeting space. Seeing all of Canyon de Chelly, the second largest canyon in the country, may leave you exhausted. At the end of your adventures, you can return to the hotel and order a savory meal at Garcias Restaurant, where Navajo and regional dishes are the specialty. Patrons can also pick up authentic Navajo jewelry and pottery in our Garcia Trading Post to remember their visit. Choose the Holiday Inn Canyon de Chelly Chinle hotel and experience all that this majestic canyon landscape offers.<br /><br />Book online using the form above.

Holiday Inn CANYON DE CHELLY CHINLE

Holiday Inn CANYON DE CHELLY CHINLE<br /><br />Gorgeous Sunsets at Hotel in Chinle, Arizona Located in the heart of Navajo Nation, the Holiday Inn Canyon de Chelly Chinle hotel provides an impeccable mixture of ancient Navajo traditions and modern conveniences. With great features like an outdoor pool and a beautiful courtyard, youll stay relaxed. From our hotels location in Chinle, AZ, guests can roam the Canyon de Chelly National Monument. There are 11 points around the rim of the canyon that travelers can drive to and that overlook the spectacular canyon. If these incredible panoramas of weathered rock and plunging cliffs are not enough, tour guides can take you down to the canyon floor where ancient ruins, petroglyphs and pictographs are still visible. Those staying at our hotels property in Chinle, AZ for business find that the hotel is centrally located on the Navajo Reservation. The hotel also provides complimentary wireless Internet access and 900 sq ft of flexible meeting space. Seeing all of Canyon de Chelly, the second largest canyon in the country, may leave you exhausted. At the end of your adventures, you can return to the hotel and order a savory meal at Garcias Restaurant, where Navajo and regional dishes are the specialty. Patrons can also pick up authentic Navajo jewelry and pottery in our Garcia Trading Post to remember their visit. Choose the Holiday Inn Canyon de Chelly Chinle hotel and experience all that this majestic canyon landscape offers.<br /><br />Book online using the form above.

Green Latern

Green Latern<br /><br />Cracked On Green Lantern<br /><br />The original Golden Age Green Lantern first appeared in 1940s All American Comics 16, written by Bill Finger co creator of The God Damned Batman. His name was Alan Scott and his ring was a magical artifact that granted him many abilities. The ring had two weaknesses: First, it needed to be recharged every twenty four hours by touching it to the magical lantern it was crafted from. Second, it didnt work on wood. I know, right? Wood? Youre probably thinking thats the dumbest superhero weakness ever. Keep reading.<br /><br />In the Silver Age, DC reimagined Green Lantern in 1959s Showcase 22. This new GL was test pilot Hal Jordan, and while the ring and lantern remained they were given a sci fi spin more in tune with the pop culture of the times. Jordan was given the ring by a dying alien who was part of an interstellar police force known as the Green Lantern Corps. Chosen for his fearlessness, Hal became the defender of not only the Earth, but an entire sector of space as well. His ring gives him immense power, as it allows him to channel his steel like willpower into a green energy that can become essentially anything the wielder imagines. Rocket launcher? Laser cannon? Giant, fire breathing space shark? No problem for the one who wears and can control the ring. But hey, those were simpler times.<br /><br />One thing that remained from the original concept was the rings weaknesses. It still had to be recharged every twenty four hours in a lantern like power battery, but the new ring didnt have the old ones silly weakness against wood. Thats right, the most powerful weapon in the universe can be utterly defeated by a color. And not just any old color. No, only the mighty color of pee can test our heros resolve. That wood thing doesnt seem so bad now, does it?<br /><br />Green Lanterns worst nightmare.<br /><br />There have been other Green Lanterns. Many, many characters have worn the ring over the years and every fan has their favorite, but Hal Jordan is almost universally recognized as the most iconic character ever associated with the mantle. Hal is to GL what Sean Connery is to Bond.<br /><br />Connery, seen here on his way to the grocery store.<br /><br />So now theyre making a movie, and it comes as no surprise that Hollywood has tapped Hal Jordan to be the silver screens Green Lantern. And when it came time to decide who should play the beloved hero, one name quickly sprung to the lips of casting directors: Ryan Reynolds.

Green Latern

Green Latern<br /><br />Cracked On Green Lantern<br /><br />The original Golden Age Green Lantern first appeared in 1940s All American Comics 16, written by Bill Finger co creator of The God Damned Batman. His name was Alan Scott and his ring was a magical artifact that granted him many abilities. The ring had two weaknesses: First, it needed to be recharged every twenty four hours by touching it to the magical lantern it was crafted from. Second, it didnt work on wood. I know, right? Wood? Youre probably thinking thats the dumbest superhero weakness ever. Keep reading.<br /><br />In the Silver Age, DC reimagined Green Lantern in 1959s Showcase 22. This new GL was test pilot Hal Jordan, and while the ring and lantern remained they were given a sci fi spin more in tune with the pop culture of the times. Jordan was given the ring by a dying alien who was part of an interstellar police force known as the Green Lantern Corps. Chosen for his fearlessness, Hal became the defender of not only the Earth, but an entire sector of space as well. His ring gives him immense power, as it allows him to channel his steel like willpower into a green energy that can become essentially anything the wielder imagines. Rocket launcher? Laser cannon? Giant, fire breathing space shark? No problem for the one who wears and can control the ring. But hey, those were simpler times.<br /><br />One thing that remained from the original concept was the rings weaknesses. It still had to be recharged every twenty four hours in a lantern like power battery, but the new ring didnt have the old ones silly weakness against wood. Thats right, the most powerful weapon in the universe can be utterly defeated by a color. And not just any old color. No, only the mighty color of pee can test our heros resolve. That wood thing doesnt seem so bad now, does it?<br /><br />Green Lanterns worst nightmare.<br /><br />There have been other Green Lanterns. Many, many characters have worn the ring over the years and every fan has their favorite, but Hal Jordan is almost universally recognized as the most iconic character ever associated with the mantle. Hal is to GL what Sean Connery is to Bond.<br /><br />Connery, seen here on his way to the grocery store.<br /><br />So now theyre making a movie, and it comes as no surprise that Hollywood has tapped Hal Jordan to be the silver screens Green Lantern. And when it came time to decide who should play the beloved hero, one name quickly sprung to the lips of casting directors: Ryan Reynolds.

Garnets were going to be put behind the eye sockets but that didnt work out

Garnets were going to be put behind the eye sockets but that didnt work out<br /><br />jump to contentmy subreddits<br /><br />limit my search to /r/picsuse the following search parameters to narrow your results:see the search faq for details. This includes image macros, comics, infographics and most diagrams.<br /><br />No nudity, porn, or gore. Other NSFW content must be tagged.<br /><br />No personal information. This includes anything hosted on Facebook servers, as they can be traced to the original account holder. Stalking harassment will not be tolerated. upvote this.<br /><br />No DAE, FIXED or cake day posts, nor posts addressed to a specific redditor. FIXED posts should be added as a comment to the original image.<br /><br />Submissions must link directly to a specific image file or to a website with minimal ads. We do not allow blog hosting of images blogspam, but links to albums on image hosting websites are okay. URL shorteners are prohibited.<br /><br />No animated images. Please submit them to /r/gif, /r/gifs, or /r/reactiongifs instead.<br /><br />If your submission appears to be filtered, but definitely meets the above rules, please send us a message with a link to the comments section of your post not a direct link to the image. Don delete it as that just makes the filter hate you!<br /><br />If you come across any rule violations please report the submission or message the mods and one of us will remove it!<br /><br />Please note: serial reposters may be filtered<br /><br />Please also try to come up with original post titles. Submissions that use certain clichs/memes will be automatically tagged with a warning.

Garnets were going to be put behind the eye sockets but that didnt work out

Garnets were going to be put behind the eye sockets but that didnt work out<br /><br />jump to contentmy subreddits<br /><br />limit my search to /r/picsuse the following search parameters to narrow your results:see the search faq for details. This includes image macros, comics, infographics and most diagrams.<br /><br />No nudity, porn, or gore. Other NSFW content must be tagged.<br /><br />No personal information. This includes anything hosted on Facebook servers, as they can be traced to the original account holder. Stalking harassment will not be tolerated. upvote this.<br /><br />No DAE, FIXED or cake day posts, nor posts addressed to a specific redditor. FIXED posts should be added as a comment to the original image.<br /><br />Submissions must link directly to a specific image file or to a website with minimal ads. We do not allow blog hosting of images blogspam, but links to albums on image hosting websites are okay. URL shorteners are prohibited.<br /><br />No animated images. Please submit them to /r/gif, /r/gifs, or /r/reactiongifs instead.<br /><br />If your submission appears to be filtered, but definitely meets the above rules, please send us a message with a link to the comments section of your post not a direct link to the image. Don delete it as that just makes the filter hate you!<br /><br />If you come across any rule violations please report the submission or message the mods and one of us will remove it!<br /><br />Please note: serial reposters may be filtered<br /><br />Please also try to come up with original post titles. Submissions that use certain clichs/memes will be automatically tagged with a warning.

Finishing Tools for Wire Jewelry

Finishing Tools for Wire Jewelry<br /><br />Polishing Cloth: A soft cloth is needed to help straighten the wire before working with it. If working with silver wire, this also helps polish it a little. Though polishing cloths can be purchased from most any jewelry supplier, they can also be found at discount stores such as Wal Mart for only a few dollars.<br /><br />Jewelers Files: Also called needle files, these are great for filing the ends of wire so they do not poke the wearer of your jewelry.<br /><br />Tool Box: Fishing tackle boxes, available at most discount stores, will allow you to travel with your tools to classes, shows, or if you just want to wire wrap with a friend, so they can make the perfect tool box for your wire jewelry tools and supplies.<br /><br />Practice Wire: Available at some hardware stores for only a few dollars, copper wire is a great way to help you learn the ropes of wire work. It is also handy to have some when you are more experienced but are learning a new technique or trying out a project. Most craft stores also have inexpensive wire in the jewelry section as well as the floral section that you can use to practice with.<br /><br />Most of these tools and supplies are available at various on line jewelry supply vendors and even in some craft stores these days. This makes it easier than ever to get started making wire jewelry.

Finishing Tools for Wire Jewelry

Finishing Tools for Wire Jewelry<br /><br />Polishing Cloth: A soft cloth is needed to help straighten the wire before working with it. If working with silver wire, this also helps polish it a little. Though polishing cloths can be purchased from most any jewelry supplier, they can also be found at discount stores such as Wal Mart for only a few dollars.<br /><br />Jewelers Files: Also called needle files, these are great for filing the ends of wire so they do not poke the wearer of your jewelry.<br /><br />Tool Box: Fishing tackle boxes, available at most discount stores, will allow you to travel with your tools to classes, shows, or if you just want to wire wrap with a friend, so they can make the perfect tool box for your wire jewelry tools and supplies.<br /><br />Practice Wire: Available at some hardware stores for only a few dollars, copper wire is a great way to help you learn the ropes of wire work. It is also handy to have some when you are more experienced but are learning a new technique or trying out a project. Most craft stores also have inexpensive wire in the jewelry section as well as the floral section that you can use to practice with.<br /><br />Most of these tools and supplies are available at various on line jewelry supply vendors and even in some craft stores these days. This makes it easier than ever to get started making wire jewelry.

Finishing Tools for Wire Jewelry

Finishing Tools for Wire Jewelry<br /><br />Polishing Cloth: A soft cloth is needed to help straighten the wire before working with it. If working with silver wire, this also helps polish it a little. Though polishing cloths can be purchased from most any jewelry supplier, they can also be found at discount stores such as Wal Mart for only a few dollars.<br /><br />Jewelers Files: Also called needle files, these are great for filing the ends of wire so they do not poke the wearer of your jewelry.<br /><br />Tool Box: Fishing tackle boxes, available at most discount stores, will allow you to travel with your tools to classes, shows, or if you just want to wire wrap with a friend, so they can make the perfect tool box for your wire jewelry tools and supplies.<br /><br />Practice Wire: Available at some hardware stores for only a few dollars, copper wire is a great way to help you learn the ropes of wire work. It is also handy to have some when you are more experienced but are learning a new technique or trying out a project. Most craft stores also have inexpensive wire in the jewelry section as well as the floral section that you can use to practice with.<br /><br />Most of these tools and supplies are available at various on line jewelry supply vendors and even in some craft stores these days. This makes it easier than ever to get started making wire jewelry.

Experience The Excitement Of Racing With Blinkers On

Experience The Excitement Of Racing With Blinkers On<br /><br />Racehorse partnerships bring the thrill of the track to everyone interested, capturing the excitement of the sport without requiring great time or financial expense. Blinkers On Racing Stable, a leading racehorse partnership offers unparalleled experience in the sport with business savvy. Partners in turn get all the rewards of ownership at a fraction of the cost.<br /><br />Blinkers On is headed up by company founder, Scott Sherwood, and trainer and thoroughbred buyer, Greg Gilchrist. The experience of Blinkers On management ensures that your racehorse partnership is being handled by qualified members of the racing community, Sherwood handling essential business aspects while Gilchrist manages the many details that go into buying and raising fine athletes. Sherwood is an entrepreneur that owned and operated a multi million dollar retail sporting goods company for more than 25 years before pursuing his personal passions by launching Blinkers On. Gilchrist brings over three decades of experience in the horse racing world to the racehorse partnerships. He has started more than 6,500 horses and compiled over 1,500 wins while building relationships with the nations foremost breeders, consignors and other industry professionals.<br /><br />What constitutes a racehorse partnership? Blinkers On allows you to own a fractional interest in a horse trained by the companys expert conditioners, while racing at a major California racetrack. Greg Gilchrist and the team travel to horse auctions throughout the nation from January to May. Horses at the sales are carefully chosen for their pedigree, conformation and athleticism, and are purchased for approximately $50,000 to $250,000 then begin their training. At this point, racehorse partnerships are offered, letting investors own a share in the thoroughbred. When the Blinkers On trainers have them ready they will be entered in races on the Northern and Southern California circuit. Investment money goes into the initial cost of the horse along with training and veterinary bills, supplies and so forth and enables you to have a percentage interest in your partnered horse.<br /><br />Your financial investment holds the potential for returns and the guarantee of excitement as you gain stake in a high performance racehorse. You see returns through purse earnings or proceeds that come if or when the horse is sold at a profit. High performance athletes are often in demand from other owners or breeders and, in the event that they purchase the thoroughbred that you hold a share in, you see earnings from the sale.<br /><br />Visit the official Blinkers On website to read further details regarding our racehorse partnerships or to view the thoroughbreds still available for the upcoming year. Complete information on our racehorse partnership investment and return model is available for you to read over and consider. Youre also able to view workout videos and much more at our website.<br /><br />Blinkers On brings the spirit of the racetrack to you by giving you the opportunity to gain a real stake in a world class thoroughbreds performance. Contact us today to learn more about your investment and to get started with a racehorse partnership.

Elizabeth Taylors Dog Ate Pearl

Elizabeth Taylors Dog Ate Pearl<br /><br />Elizabeth Taylor owned some of the most famous jewelry ever, as shown by the incredible demand at a recent auction. One of the pieces that sold, the rare La Peregrina pearl, has an interesting history. It turns out that the pearl, which sold for nearly $12 million at auction and was given to Liz by Richard Burton, was once a Scooby snack for Lizs dog! It seems many people have the dog ate my. stories, but really, none can top this one!According to the New York Posts Page Six, Liz Taylors dog ate the famous pearl just moments after she got it for Valentines Day back in 1969. The Post quotes Ward Landrigan, former Sothebys jewelry head, as saying that shortly after he arrived in Las Vegas to show Taylor and Richard Burton the nearly 56 carat, perfect pearl, one of Taylors pooches decided it was a yummy dog treat!<br /><br />Elizabeth Taylor apparently didnt realize what was going on, at least at first. She knew the pearl was missing, of course, but had no idea what had happened. The Sothebys official got down to search the carpet and quickly determined what was going on. Landrigan says, The room had pink shag carpeting, and I was crawling past a settee when I saw one of Taylors two Lhasa apsos, and I heard the crunch. I said, Liz, I know where the pearl is.<br /><br />Yikes! Turns out that yes, one of Elizabeth Taylors beloved dogs was munching on the pricey bauble. She acted fast, though, somehow digging the pearl out of her dogs jaws before the pooch swallowed it! The pearl was only slightly scratched and the dog no doubt got some more appropriate treats perhaps treats that didnt cost thousands!. Whew. This story gives new meaning to jewelry with history, right?

Elizabeth Taylors Dog Ate Pearl

Elizabeth Taylors Dog Ate Pearl<br /><br />Elizabeth Taylor owned some of the most famous jewelry ever, as shown by the incredible demand at a recent auction. One of the pieces that sold, the rare La Peregrina pearl, has an interesting history. It turns out that the pearl, which sold for nearly $12 million at auction and was given to Liz by Richard Burton, was once a Scooby snack for Lizs dog! It seems many people have the dog ate my. stories, but really, none can top this one!According to the New York Posts Page Six, Liz Taylors dog ate the famous pearl just moments after she got it for Valentines Day back in 1969. The Post quotes Ward Landrigan, former Sothebys jewelry head, as saying that shortly after he arrived in Las Vegas to show Taylor and Richard Burton the nearly 56 carat, perfect pearl, one of Taylors pooches decided it was a yummy dog treat!<br /><br />Elizabeth Taylor apparently didnt realize what was going on, at least at first. She knew the pearl was missing, of course, but had no idea what had happened. The Sothebys official got down to search the carpet and quickly determined what was going on. Landrigan says, The room had pink shag carpeting, and I was crawling past a settee when I saw one of Taylors two Lhasa apsos, and I heard the crunch. I said, Liz, I know where the pearl is.<br /><br />Yikes! Turns out that yes, one of Elizabeth Taylors beloved dogs was munching on the pricey bauble. She acted fast, though, somehow digging the pearl out of her dogs jaws before the pooch swallowed it! The pearl was only slightly scratched and the dog no doubt got some more appropriate treats perhaps treats that didnt cost thousands!. Whew. This story gives new meaning to jewelry with history, right?

Diamond in the Rough

Diamond in the Rough<br /><br />I ate more consciously, including more fruits and veggies, and my new healthy habits helped me to maintain good nutrition. People following the Weight Watchers plan can expect to lose 1 2 pounds per week.<br /><br />Cassie lost weight with a prior Weight Watchers programCassie and her husband had a deal: If she lost weight, hed buy her diamond earrings. She boldly accepted his challenge, and with the help of Weight Watchers, now has a hard won, sparkly new addition to her jewelry box.<br /><br />My husband said hed reward me with big honkin diamond earrings if I lost the weight I wanted to. I wasnt overweight as a kid, but in college I kept gaining gradually. I put on 10 pounds during my first year of work, and another 10 during my first year of marriage. The weight just kept creeping on.<br /><br />I joined Weight Watchers meetings and started following the POINTS Weight Loss System in March 2000. My weight loss was always kind of slow, but it was steady. By the time I got pregnant in October 2000, I had lost 17 pounds. Of course, I had to stop Weight Watchers, but my new habits helped me to have a healthy pregnancy. In the seven months I had been on Weight Watchers, I had changed a lot of my habits. I ate more consciously, including more fruits and veggies, and my new healthy habits helped me to maintain good nutrition. Plus, I was still walking two miles a day, even by the end of my pregnancy.<br /><br />My daughter was born at the end of July the following year, and I lost the pregnancy weight with no extra effort by the time she was three weeks old. In November, I started back on Weight Watchers weighing less than I had when I left to have my baby.<br /><br />Im a lot more active than I was before, which allows me to keep up with my daughter. She loves to be outside and go for walks in her stroller. She climbs into the stroller and says, go, encouraging me to take her for a walk when Im not even planning to go out.<br /><br />I ran my first 5K race in November 2002! I had a great time and felt a super sense of accomplishment.<br /><br />I also get great pleasure from seeing others join Weight Watchers based on my success. My sister and mom have both joined, as has as a co worker.<br /><br />I am now a size 8, something I never thought possible. For the first time in my life, I am buying fitted clothing, instead of long, baggy clothes. Of course, the new clothes look even better with the huge diamond earrings I have to wear with them!

Diamond in the Rough

Diamond in the Rough<br /><br />I ate more consciously, including more fruits and veggies, and my new healthy habits helped me to maintain good nutrition. People following the Weight Watchers plan can expect to lose 1 2 pounds per week.<br /><br />Cassie lost weight with a prior Weight Watchers programCassie and her husband had a deal: If she lost weight, hed buy her diamond earrings. She boldly accepted his challenge, and with the help of Weight Watchers, now has a hard won, sparkly new addition to her jewelry box.<br /><br />My husband said hed reward me with big honkin diamond earrings if I lost the weight I wanted to. I wasnt overweight as a kid, but in college I kept gaining gradually. I put on 10 pounds during my first year of work, and another 10 during my first year of marriage. The weight just kept creeping on.<br /><br />I joined Weight Watchers meetings and started following the POINTS Weight Loss System in March 2000. My weight loss was always kind of slow, but it was steady. By the time I got pregnant in October 2000, I had lost 17 pounds. Of course, I had to stop Weight Watchers, but my new habits helped me to have a healthy pregnancy. In the seven months I had been on Weight Watchers, I had changed a lot of my habits. I ate more consciously, including more fruits and veggies, and my new healthy habits helped me to maintain good nutrition. Plus, I was still walking two miles a day, even by the end of my pregnancy.<br /><br />My daughter was born at the end of July the following year, and I lost the pregnancy weight with no extra effort by the time she was three weeks old. In November, I started back on Weight Watchers weighing less than I had when I left to have my baby.<br /><br />Im a lot more active than I was before, which allows me to keep up with my daughter. She loves to be outside and go for walks in her stroller. She climbs into the stroller and says, go, encouraging me to take her for a walk when Im not even planning to go out.<br /><br />I ran my first 5K race in November 2002! I had a great time and felt a super sense of accomplishment.<br /><br />I also get great pleasure from seeing others join Weight Watchers based on my success. My sister and mom have both joined, as has as a co worker.<br /><br />I am now a size 8, something I never thought possible. For the first time in my life, I am buying fitted clothing, instead of long, baggy clothes. Of course, the new clothes look even better with the huge diamond earrings I have to wear with them!

Crochet Patterns

Crochet Patterns<br /><br />With the expense of store bought jewelry increasing annually, free crochet necklace patterns have become increasingly popular with crafters searching for new ways to save money by utilizing their skill. While crochet necklaces may not have thebling appeal of precious metals like gold or silver, they do serve their purpose quite well as attractive fashion accessories. Crochet necklaces have the look of classic design features of bygone days, and the variety of colors in which they can be made allows for easy daily use with both casual or dress garments. Most of the free crochet are fairly simple to produce for those with average crocheting skills, and are great teaching tools for beginners to the craft.<br /><br />It is usually a good idea to read through a crochet pattern a few times before starting a new and unfamiliar project surprises while crafting are not welcome after you have a certain amount of time invested. If you should enjoy a free crochet pattern, drop a quick email to the website to thank them for their generosity. Here are some wonderful free crochet necklace patterns:<br /><br />Mini Purse Necklace This is a 4 1/4 inch square purse on a necklace with heart flowers that is great for the little ones.

Collectors Universe Worth Collecting In Your Portfolio CLCT

Collectors Universe Worth Collecting In Your Portfolio CLCT<br /><br />An outsized dividend, rock solid balance sheet and the growing potential for an operational turnaround make up for several quarters of lackluster performance at this small cap play.<br /><br />Santa Ana, Calif. based Collectors Universe Inc. CLCT may not be well known on Wall Street, but its various operating units are distinguished in the collectibles industry. Founded over 20 years ago, the $125 million market capitalization company provides authentication and grading services to dealers and collectors of high value collectibles such as coins, sports cards, autographs and currency. Collectors Universe is also a publisher of various collectibles price guides and is the operator of the Expos Unlimited collectibles trade shows.<br /><br />In the fall of 2005, Collectors Universe entered the diamond grading and authentication business with the acquisitions of Gem Certification Assurance Lab GCAL and a complimentary company called Gemprint Corp. Then, in August of last year, Collectors Universe broadened its focus on this new sector with the acquisition of American Gemological Laboratories AGL, a provider of grading and authentication services for colored gemstones. While Collectors Universes new diamond and gemstone grading businesses are filled with promise, they have severely depressed the companys profitability over the past two years and left investors skittish.<br /><br />Collectors Universe management now claims that it intends for its diamond grading business to be operating at or near cash flow breakeven by this holiday season. It expects its younger colored gemstone grading business to take longer to turn the corner. An end to the cash burning ways of its jewelry grading businesses cant come soon enough for Collectors Universe investors.<br /><br />For the fiscal year ended June 30, Collectors Universe saw its revenue increase nearly 10% to $40.5 million 4% of this revenue growth was organic, while posting an operating loss of $0.74 million, or $0.09 a diluted share, compared with an operating profit of $3.4 million, or $0.39 a diluted share, a year earlier. The full year loss was driven by an increased operating loss of $4.1 million by the jewelry business. Operating cash flow for the year was $3.5 million. This compares with annual cash flow of $7 to $8 million for Collectors Universe from its traditional collectibles businesses before it decided to broaden its focus to the jewelry segment in late 2005.

Collectors Universe Worth Collecting In Your Portfolio CLCT

Collectors Universe Worth Collecting In Your Portfolio CLCT<br /><br />An outsized dividend, rock solid balance sheet and the growing potential for an operational turnaround make up for several quarters of lackluster performance at this small cap play.<br /><br />Santa Ana, Calif. based Collectors Universe Inc. CLCT may not be well known on Wall Street, but its various operating units are distinguished in the collectibles industry. Founded over 20 years ago, the $125 million market capitalization company provides authentication and grading services to dealers and collectors of high value collectibles such as coins, sports cards, autographs and currency. Collectors Universe is also a publisher of various collectibles price guides and is the operator of the Expos Unlimited collectibles trade shows.<br /><br />In the fall of 2005, Collectors Universe entered the diamond grading and authentication business with the acquisitions of Gem Certification Assurance Lab GCAL and a complimentary company called Gemprint Corp. Then, in August of last year, Collectors Universe broadened its focus on this new sector with the acquisition of American Gemological Laboratories AGL, a provider of grading and authentication services for colored gemstones. While Collectors Universes new diamond and gemstone grading businesses are filled with promise, they have severely depressed the companys profitability over the past two years and left investors skittish.<br /><br />Collectors Universe management now claims that it intends for its diamond grading business to be operating at or near cash flow breakeven by this holiday season. It expects its younger colored gemstone grading business to take longer to turn the corner. An end to the cash burning ways of its jewelry grading businesses cant come soon enough for Collectors Universe investors.<br /><br />For the fiscal year ended June 30, Collectors Universe saw its revenue increase nearly 10% to $40.5 million 4% of this revenue growth was organic, while posting an operating loss of $0.74 million, or $0.09 a diluted share, compared with an operating profit of $3.4 million, or $0.39 a diluted share, a year earlier. The full year loss was driven by an increased operating loss of $4.1 million by the jewelry business. Operating cash flow for the year was $3.5 million. This compares with annual cash flow of $7 to $8 million for Collectors Universe from its traditional collectibles businesses before it decided to broaden its focus to the jewelry segment in late 2005.

Chain Jewelry Projects

Chain Jewelry Projects<br /><br />Chain is a wonderful component for making jewelry. This section includes projects for both making your own chain and also using prefabricated chain in a number of easy to make jewelry projects. Some are all metal, using sterling and gold filled metals, while others are a mix of beads and wire.<br /><br />Fine Silver Link, Pearl, and Crystal Earrings<br /><br />Incorporate a fine silver metal link as the focal piece for these elegant hand crafted pearl and crystal earrings.<br /><br />Make Sandals from Chain and Crystals<br /><br />Make some fun jewelry for your feet by using some gun metal chain and colorful crystal beads. You may have heard these referred to as bottomless or bare foot sandals.<br /><br />Silver and Crystal Autism Adjustable Puzzle Necklace<br /><br />This necklace is adjustable, so it can be shortened if you want to wear it a few different ways. The puzzle piece represents autism awareness and was made as a special request for a close friend of mine.<br /><br />Stars Stripes Lampwork Earrings<br /><br />Hematite stars dangle from fragments of chain and red, white, and blue lampwork beads top off these earrings which have a patriotic flair.<br /><br />Spacer Bar Dangle Earrings<br /><br />Spacer bars are usually used for stringing multiple strands in a necklace or bracelet; however, in this earring project this component is teamed up with chain, wire, and beads.<br /><br />Rose Quartz Love Pendant<br /><br />Rose quartz symbolizes love. So what better stone to include along with some chain and a few findings to create this pretty pendant?<br /><br />Crystal Freedom Necklace<br /><br />The theme for this wire, chain, and crystal necklace design came from the idea of freedom and starting a new life.<br /><br />10 Tips for Working with Chain<br /><br />Prefabricated chain is a handy component to include in your jewelry creations. Here are some tips to consider when working with chain.<br /><br />Wire Wrapped Stick Chain<br /><br />Make a chain using all wire, your choice of gold filled or sterling, using pieces of straight wire and the wrapped loop technique.

Bridal Jewelry

Bridal Jewelry<br /><br />Men and women usually have two different ideas about what the perfect bridal jewelry will look like. Men tend to veer towards the money aspect, while women choose romanticism. The guys need some help in this area.<br /><br />Rent Your Bridal Jewelry OnlineBy Stephanie Raney March 17, 2008<br /><br />A look at two great places where you can rent your bridal jewelry online.<br /><br />DIY Beaded Bridal Jewelry Set for Your WeddingBy Melanie L. Marten July 23, 2007<br /><br />Bridal jewelry is meant to be special. That unique necklace and earrings set is something that the bride will wear only once in her life.<br /><br />Tips for Choosing Bridal JewelryBy Lisa Mason January 19, 2011<br /><br />When that special day arrives and youre standing in front of all your friends and family saying, I Do to the one you love, you want to make sure the bridal jewelry you choose compliments your dress.<br /><br />Add Flair to Your Bridal Ensemble with Colored Wedding JewelryBy Emily Harmon February 19, 2008<br /><br />Colored wedding jewelry can turn an ordinary bridal ensemble into something unique and personal. Here are some tips for choosing this slightly eccentric way of accessorizing for your wedding.<br /><br />Where to Buy Bridal Jewelry in Muncie, IndianaBy Lisa Davis June 3, 2006<br /><br />While jewelry stores are plentiful in East Central Indiana, the city of Muncie stands out above the rest as the perfect place to purchase bridal jewelry.<br /><br />Online Sources for Affordable Bridal JewelryBy Mike C. April 19, 2007<br /><br />Where you can find jewelry online that wont break the bank<br /><br />Sweet Beaded Jewelry with Pearls for Your Valentine WeddingBy Cassandra Rose February 14, 2011<br /><br />You will not have any difficulty finding the perfect handmade beaded wedding bridal jewelry with Swarovski crystals and pearls, from earrings to necklaces and bracelets and even tiaras and brooches, to match all styles of wedding dresses.<br /><br />2010 Fall Wedding Accessories for the Bride and BridesmaidBy Jennifer Bove July 8, 2010<br /><br />When planning a fall wedding, after ironing out all the major details youve come to realize its those small touches that really pull together that look you want to achieve.<br /><br />Beaded Jewelry Make Great Fashion SenseBy Cassandra Rose April 20, 2011<br /><br />Even with current styles, there are a lot to choose from. Florals are back, either in spring and summer friendly colors or even in dark and exotic jewel colors usually associated with fall.<br /><br />Beaded Jewelry to Express Your PersonalityBy Cassandra Rose March 29, 2011<br /><br />You can even choose beaded jewelry as your wedding bridal jewelry. Again, beaded wedding bridal jewelry is often adorned with freshwater pearls and can include earrings, a necklace and perhaps even a bracelet and a tiara or a headband.<br /><br />Beaded Jewelry to Match Your StyleBy Cassandra Rose May 23, 2011<br /><br />Whatever a womans personal style is, she can apply it to her beaded wedding bridal jewelry for her wedding day. There are so many possible designs that there is surely one to match any individual personality and all kinds of wedding dresses.

Bridal Jewelry

Bridal Jewelry<br /><br />Men and women usually have two different ideas about what the perfect bridal jewelry will look like. Men tend to veer towards the money aspect, while women choose romanticism. The guys need some help in this area.<br /><br />Rent Your Bridal Jewelry OnlineBy Stephanie Raney March 17, 2008<br /><br />A look at two great places where you can rent your bridal jewelry online.<br /><br />DIY Beaded Bridal Jewelry Set for Your WeddingBy Melanie L. Marten July 23, 2007<br /><br />Bridal jewelry is meant to be special. That unique necklace and earrings set is something that the bride will wear only once in her life.<br /><br />Tips for Choosing Bridal JewelryBy Lisa Mason January 19, 2011<br /><br />When that special day arrives and youre standing in front of all your friends and family saying, I Do to the one you love, you want to make sure the bridal jewelry you choose compliments your dress.<br /><br />Add Flair to Your Bridal Ensemble with Colored Wedding JewelryBy Emily Harmon February 19, 2008<br /><br />Colored wedding jewelry can turn an ordinary bridal ensemble into something unique and personal. Here are some tips for choosing this slightly eccentric way of accessorizing for your wedding.<br /><br />Where to Buy Bridal Jewelry in Muncie, IndianaBy Lisa Davis June 3, 2006<br /><br />While jewelry stores are plentiful in East Central Indiana, the city of Muncie stands out above the rest as the perfect place to purchase bridal jewelry.<br /><br />Online Sources for Affordable Bridal JewelryBy Mike C. April 19, 2007<br /><br />Where you can find jewelry online that wont break the bank<br /><br />Sweet Beaded Jewelry with Pearls for Your Valentine WeddingBy Cassandra Rose February 14, 2011<br /><br />You will not have any difficulty finding the perfect handmade beaded wedding bridal jewelry with Swarovski crystals and pearls, from earrings to necklaces and bracelets and even tiaras and brooches, to match all styles of wedding dresses.<br /><br />2010 Fall Wedding Accessories for the Bride and BridesmaidBy Jennifer Bove July 8, 2010<br /><br />When planning a fall wedding, after ironing out all the major details youve come to realize its those small touches that really pull together that look you want to achieve.<br /><br />Beaded Jewelry Make Great Fashion SenseBy Cassandra Rose April 20, 2011<br /><br />Even with current styles, there are a lot to choose from. Florals are back, either in spring and summer friendly colors or even in dark and exotic jewel colors usually associated with fall.<br /><br />Beaded Jewelry to Express Your PersonalityBy Cassandra Rose March 29, 2011<br /><br />You can even choose beaded jewelry as your wedding bridal jewelry. Again, beaded wedding bridal jewelry is often adorned with freshwater pearls and can include earrings, a necklace and perhaps even a bracelet and a tiara or a headband.<br /><br />Beaded Jewelry to Match Your StyleBy Cassandra Rose May 23, 2011<br /><br />Whatever a womans personal style is, she can apply it to her beaded wedding bridal jewelry for her wedding day. There are so many possible designs that there is surely one to match any individual personality and all kinds of wedding dresses.

Bridal Jewelry

Bridal Jewelry<br /><br />Men and women usually have two different ideas about what the perfect bridal jewelry will look like. Men tend to veer towards the money aspect, while women choose romanticism. The guys need some help in this area.<br /><br />Rent Your Bridal Jewelry OnlineBy Stephanie Raney March 17, 2008<br /><br />A look at two great places where you can rent your bridal jewelry online.<br /><br />DIY Beaded Bridal Jewelry Set for Your WeddingBy Melanie L. Marten July 23, 2007<br /><br />Bridal jewelry is meant to be special. That unique necklace and earrings set is something that the bride will wear only once in her life.<br /><br />Tips for Choosing Bridal JewelryBy Lisa Mason January 19, 2011<br /><br />When that special day arrives and youre standing in front of all your friends and family saying, I Do to the one you love, you want to make sure the bridal jewelry you choose compliments your dress.<br /><br />Add Flair to Your Bridal Ensemble with Colored Wedding JewelryBy Emily Harmon February 19, 2008<br /><br />Colored wedding jewelry can turn an ordinary bridal ensemble into something unique and personal. Here are some tips for choosing this slightly eccentric way of accessorizing for your wedding.<br /><br />Where to Buy Bridal Jewelry in Muncie, IndianaBy Lisa Davis June 3, 2006<br /><br />While jewelry stores are plentiful in East Central Indiana, the city of Muncie stands out above the rest as the perfect place to purchase bridal jewelry.<br /><br />Online Sources for Affordable Bridal JewelryBy Mike C. April 19, 2007<br /><br />Where you can find jewelry online that wont break the bank<br /><br />Sweet Beaded Jewelry with Pearls for Your Valentine WeddingBy Cassandra Rose February 14, 2011<br /><br />You will not have any difficulty finding the perfect handmade beaded wedding bridal jewelry with Swarovski crystals and pearls, from earrings to necklaces and bracelets and even tiaras and brooches, to match all styles of wedding dresses.<br /><br />2010 Fall Wedding Accessories for the Bride and BridesmaidBy Jennifer Bove July 8, 2010<br /><br />When planning a fall wedding, after ironing out all the major details youve come to realize its those small touches that really pull together that look you want to achieve.<br /><br />Beaded Jewelry Make Great Fashion SenseBy Cassandra Rose April 20, 2011<br /><br />Even with current styles, there are a lot to choose from. Florals are back, either in spring and summer friendly colors or even in dark and exotic jewel colors usually associated with fall.<br /><br />Beaded Jewelry to Express Your PersonalityBy Cassandra Rose March 29, 2011<br /><br />You can even choose beaded jewelry as your wedding bridal jewelry. Again, beaded wedding bridal jewelry is often adorned with freshwater pearls and can include earrings, a necklace and perhaps even a bracelet and a tiara or a headband.<br /><br />Beaded Jewelry to Match Your StyleBy Cassandra Rose May 23, 2011<br /><br />Whatever a womans personal style is, she can apply it to her beaded wedding bridal jewelry for her wedding day. There are so many possible designs that there is surely one to match any individual personality and all kinds of wedding dresses.