What To Do With Unwanted Jewelry

Over time, you will likely accumulate many items that you stop finding helpful or no longer want for one reason or another. This frequently happens as our lives change, and we find ourselves on different paths than we once were.

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Sadly,this can happen with jewelry. As your tastes change or your circumstances change, you may find that your older pieces are sitting languishing in your jewelry box, no longer loved or worn. This is a shame, especially for fine jewelry. But there are many options available to you should you find you need to redistribute your unwanted jewelry.

Sell It

You can visit a pawnbroker or second-hand jeweler to see how much you can make by selling your old jewelry. You won’t get what it is worth from places like this, but you can sell the items quickly and make some money when you sell diamonds for cash along with other gems, gold or silver too.

Alternatively, you can sell it directly and make more money yourself via online reselling websites such as eBay. It might take you longer to sell, and you cannot guarantee how much you will sell the item for, if at all, but it is still a viable selling option to consider.

Remount Stones

Getting gemstones or diamonds remounted into a new piece of jewelry may be an option if you have jewelry that you don’t wear, but that contains gemstones or diamonds that you want to keep. Resetting gems will give your precious stones a new lease on life while also providing you with a new piece at a low cost!

As a bonus, any scrap metal and stones that you sell will be deducted from the price of your new piece, resulting in a savings of money over purchasing a brand-new piece. You can use this technique to upgrade an existing jewelry item or transform an inherited piece into a modern work of art.

Gift To Family Members

If you have some jewelry heirlooms that you aren’t using, you might want to consider gifting them to family members who can also get some enjoyment from them. If you aren’t using them and don’t want to see them sold, you can ask who would like to keep these items and gifts accordingly. Of course, you would need to discuss any conditions you have, but this is a great option to remove them from your possession while still keeping them in the family.

Donate 

Donating your jewelry is essentially giving it away. While you are right not to want to do this with sentimental pieces or family heirlooms, less expensive items might be appreciatively received by charitable organizations. They can sell them to raise funds or to distribute them to families who might not be able to afford to purchase jewelry or even watches to assist with things such as job interviews, education, and more.

Giving your unwanted jewelry a new lease of life can help you find a new love for items or make some money from pieces you no longer want to own. Either way, it can be better than leaving them sitting unused, collecting dust in your closet.

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Making The Most Of A Divorce

Although it is one of the most profound and often difficult situations that you will ever be in throughout your life, a divorce is also an opportunity. It can be a time when you start to improve or start your life afresh, and if seen in that way you should find that you can get a lot more out of it. In this post, we are going to take a look at how you can achieve this much more easily and effectively. You might be amazed at how effective some of the following ideas can be once you put them into practice.

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Focus On Yourself

Arguably one of the best things you can do in a situation like this is to use it as a chance to focus on yourself more and more. Although that might initially be quite hard to do, truly this is one of the greatest aspects to a divorce that you can possibly come across, so it is something to think about nonetheless. Focusing on yourself can mean doing all of the things that you have always wanted to do, getting in touch with yourself again, or anything in between. Just make sure you are doing it for you.

Find Help

Sometimes you are going to want to have help, and actually there are a few main ways in which you might need help during a divorce. Some are particularly obvious, such as finding the right divorce lawyer to ensure that you are well-represented in court. Some are not always necessary, but nonetheless you might want to think about just in case, such as having a therapist to talk to. It’s all about placing yourself so that you are surrounded by people who can actually help you in the ways you need. That is a really important thing to be sure of getting right.

Work With The Other Person

As best as you possibly can, you are going to find it is a good idea to try and work with the other person in the divorce. Although this can be hard, it is something that can prove to be really important and effective in the long run, as it means that there is less likely to be a great deal of animosity and outrage at one another. This might be especially important if you have kids, of course, but not only then. Work with the other person as best as you can, but respect your own space and needs as well.

Take Time

Finally, be sure to remember that all things of this nature take a lot of time to resolve properly. You need to make sure that you are taking time wherever possible and that you don’t try to rush anything. If you can manage that, it’s going to help you out in a big way, and you’ll feel a lot better mentally for it too. Develop some patience, and you should find that all works out so much better in the long run, however it started.

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How To Get Your Business Organized and Doing Well

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Do you have a business but are struggling to get organized? Are you doing well but don’t know how to grow your company?

If so, no need to panic! There is a lot of information out there that can help get your business on the right track. Here are a few tips to get you started. Dive in!

Outsource Tasks 

Outsourcing tasks is an excellent way to free up time to focus on getting other parts of your business under control. You can also pay someone else a virtual assistant or office manager, which will result in a better quality of the product delivered by the person you outsource tasks to and thus less work for yourself.

Also, when outsourcing tasks, you must ensure you take your time in choosing the right provider. Choosing the best can help build your business. For instance, if you want to create a website for your company, choosing a web designer such as WEBX360 can guarantee you get remarkable results that will grow your business.

Create a Planner 

A digital planner is a great way to get organized. Create one where you can write down your goals monthly, weekly, and daily on separate pages for each day of the month.

This will give you an overview of what you need to do in your business throughout the month while giving yourself specific tasks or jobs that need completing at different times of the week.

schedule activities for each player 

Manage All Expenses and Receipts 

The first thing you should do is to make sure you are handling all of your receipts. Many people make a mistake by setting them aside for later, which is not good because it can lead to missing out on important information or submitting incorrect taxes at the end of the year.

Not only that, but a problem can arise with your business where someone comes in asking questions about what the company spent money on. This could potentially be a disaster because you will have no proof that says otherwise other than just saying so, which may or may not work against you depending on who’s doing the questioning.

Go Paperless

Use online accounting software such as QuickBooks to take care of all your business finances and expenses. This will help you become more organized, track what gets paid for, and generate reports that tax preparers or investors can use to see how the business is doing.

Even if you’re only a sole proprietorship with no employees at this stage, it never hurts to set up an LLC (or other legal entity) because it protects your assets from any lawsuits against the company.

Keep Up with Your Employees 

Keeping up with your employees means that you need to know what they’re doing. Businesses should be organized so that their managers can track how each employee is performing, which will vary depending on the type of business.

Every company has different ways in which its managers meet with employees throughout the day or week. Still, all companies have some form of meeting structure so that everyone’s work is documented and evaluated by a higher-up figure who knows exactly where things stand for every worker at any given moment.

 It is essential to ensure that you get organized in your business. This can help boost efficiency and productivity levels. Use the above tips to achieve this.

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Ways To Achieve More in Life

Achieving in life means different things to different people. However, one thing remains present in all these things – if you want to achieve something, it takes time and dedication. The first thing you have to do is cultivate the right mindset. It does not matter who you are or what position you are currently in, anyone and everyone can focus on achieving and being successful. All it takes is to be serious about the pursuit and you can do whatever you want (within reason).  

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What are your Strengths?

If you want to achieve, then you need to discover what your strengths are. Sit down and contemplate what you are good at, what comes naturally for you, and what you like. Once you know this, you can begin to focus energy in the right direction. 

Be Committed

No matter what you plan on doing, it will help if you are 100% committed. It is only through total dedication and commitment that we can truly succeed. Perhaps you have some personal issue, and you want to get better. This is where something like a drug rehab center will be very effective. Commitment plus extra help will have you achieve the end result. 

Create Goals

Perhaps you have an overarching goal to become a doctor. It may seem very far away from you at the moment. Inserted of creating one biog goal, create a lot of smaller goals that help you get to where you are going. For example, going back to school and finishing that biology qualification so you can go on to university to study to become a doctor. Every big goal has many smaller goals to get to the endpoint. Besides, smaller goals help you develop a plan of action. A huge goal is difficult to visualize, but if you can see that path to get there, it is far easier to begin seeing that future as a real possibility.

Do Not Be Afraid to Fail

If you are afraid you will not succeed, then you will end up doing nothing. Every failure means that you grow and develop a wider breadth of knowledge. No matter what your pursuit, failure to achieve the exact thing you want, should be seen as an achievement in its own right. By failing, you have tried, and you can go on with more knowledge.

Take Action 

Do not just talk big, actually go out and take action. Go outside your comfort zone, speak to speak, create things. If you can think of a better way of doing something, do it. Actions speak so much louder than words, so do something different. There is never a right time to do anything, so start taking action and be proactive today.

Never Stop Learning

The world is such a huge place, and no one knows it all, no matter how much they pretend to do. If you want to achieve, you should read as much as you can, listen to experts and never close your mind to a new idea.

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Changing the Person Staring Back at You: 4 Methods To Project a Different Image

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The whole physical image we hold of ourselves is an insight into our weaknesses as people. We hold self-image in high regard, and it gives us a sense of our personality and is a key to how we understand life. So if we want to change our image and project something different outwards, we need to focus on a number of key practices to ensure that we are doing it right. What are these?

See the Person in the Flesh 

If you want to be someone who is picture-perfect, it is not enough to imagine ourselves as that person, but we’ve got to stare at this person in the mirror and see them in the flesh. Half of the issue is that we all have little hang-ups about ourselves. If we have issues with our teeth, the great thing is that these things are easily fixed. Many dental services can help align those teeth, but it is about fooling our brain into recognizing that the person that’s in the mirror is a better version of ourselves. It is a major cliche, but it is about dressing for the job that you want. The same thing applies to being the person that you want.

Reframe Self-Critical Thoughts

When we are trying to project a different image, we have to remember that we need to work from the inside out. If we have self-critical and judgmental thoughts, we’ve got to reframe these into something that’s more helpful and healthier. There are things that we can do to change, such as using non-judgemental reflection, becoming more aware of our inner critic, or training certain thoughts and behaviors, such as self-compassion.

Focus on the Things You Love About Yourself

If you have a negative frame of mind, you can benefit from lifting things that you really like about yourself. Many people want to change their self-image because they don’t like who they are. In order to break through, you need to make a list and take an inventory of your best qualities. Do this before you go to sleep because sleep is when our brain processes a lot of our thoughts. It is recommended that if you want to learn something new, you do it before you go to sleep or have a major rest where you aren’t using your brain. It is at this point where your brain will actually play and replay things that you’ve just fed it. Write down the things that you love about yourself, and occasionally glance at these things when you wake up in the morning and remember that you are worth it. 

Rest and Rejuvenate

Finally, it is so important for your vitality to rest. Because if you are not rested, you are not giving yourself the foundation to thrive. Not sleeping properly can cause you to be irritable, and could be overly critical of yourself. You need to prioritize sleep above everything else because this will be the foundation that you can build everything else upon.

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Four Ways To Be Productive At Remote Work

Lots of individuals are currently working from home, it’s looking like it is going to be something that could stick around. Due to the numerous advantages that working from home offers, plenty of companies are currently offering full-time remote working or maybe crossbreed remote working choices. That been believed, it could be hard to remain effective when working from the house, but you will find ways around it.

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Let’s look at how you can below:

Work Out A Routine With The Family 

Generally, there might be the odd time that school-aged kids need to be in the house during the workweek. Should you have to work when they’re home, taking care of them and remaining effective can be much more complicated. When you end up in this position, it is essential for you to build a specific schedule for the whole family. Consider just how you are able to relate your schedule to accommodate both the work you need to do along with their caring needs. You could maybe attempt to get the majority of your job done during school hours and in the school holidays to work in the evening. 

Have Somewhere To Concentrate

It can be appealing to work from your bed or couch, nonetheless, it’s more ideal for you to have somewhere to focus. It may be a room in the dining room, maybe an actual office area, or anywhere you are able to get some quiet from distraction. Be sure it’s everything you need so you have time to finish the duties of the job at hand. This’s just going to help to boost your productivity. Using tools such as filemaker cloud hosting can help you to concrete on what you need and when you need it. 

Try getting Up Early And Get Started

When you work at home, it could be truly appealing to get a later start on the day. However, if you’re running into a problem staying productive, getting up earlier could be a great method to take on. Set a morning alarm for approximately an hour or so before your partner or children wake up. Have a peaceful cup of tea or your morning go-to, Then get going on the emails or one of your demanding projects. You may be surprised just how much you’re in a position to get things done when you have a bit more quiet time.

If You Are Able To, Have Office Hours

This is not always possible, especially if you’re working around a family lifestyle. Nevertheless, if your employer allows it, set yourself certain hours that you know you’ll be readily available. Make a note of if you are going to be free on phone, online, email, and to attend the office. It is essential for you to have your professional work done and also collaborate when you have to. You are going to have a much better time doing this when you’re able to inform others of you’re accessibility rather than being uncontactable. In addition to this, you have to remember making time for family time is also important.

Working from home includes its challenges. Nevertheless, creating a schedule, having expectations that are clear with your family, and getting distractions down to a minimum is able to help to make you be more productive.

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Preparing For Your Trip To Europe

If it’s your first time traveling to Europe, it’s important to know that it’s not just like any trip to another state or even to most countries. That’s not to say it’s needlessly difficult or inaccessible. It simply takes a little more preparation since most of Europe is part of the same travel authority known as the Schengen zone. Here, we’re going to look at some of the steps you can take to make sure that you can get into Europe without too much trouble.

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Make sure you have your paperwork in order

Before traveling anywhere overseas, you should make sure that you have all of the right documents that you need. The most important of these is, of course, the passport. Make sure that you double-check that your passport is going to be valid for the next six months before you travel and, if not, get the process started for getting a new passport as shown at nationwide.com and be aware that this process can take up to six weeks. If you buy and travel insurance or get the visa or other permissions that you need to travel through Europe, be sure to copy these and keep the photocopies on your person at all times just in case you need to show them to any authorities.

Get the permissions you need to enter the country

You typically do not need a visa to visit most countries in Europe. However, the way that you do enter those countries is changing some in the coming years so, depending on where you go, you might have to go through a process of submitting an EITAS application. This comes with a cost, so be sure to add the fees associated to your travel budget. Not every country in Europe is going to require travelers to submit this application, europe-visa.com has a list of countries that you should take a closer look at. Even countries not on that list might have their own entry requirements that you should do your research ahead of time to prepare for.

Consider covering yourself with travel insurance

Some health insurance packages may already cover the insurance that you need to cover in the event of any injuries or treatments that you need overseas. If not, however, then you should make sure that you buy some travel insurance ahead of time and keep your insurance details on you at all times when you are traveling to avoid stress on your trip. While many European countries do have socialized health care, the benefits of these do not always extend to cover visitors. Make sure that you don’t get stuck with any treatment bills and consider paying the additional to make sure that you have the costs of recovering yourself from remote locations if you plan on spending any time away from the bigger towns and cities.

Make sure to inform all the right people before you go

You will want to let your friends and family know that you’re out of the country before you head off, of course. They might be able to reach you by smartphone, but you may also want to leave contact details of any hotels or accommodation that you’re staying at just to make sure they can check up on you if need be. More importantly, you should make sure that you let your credit card provider know that you traveling ahead of time, otherwise they can see new expenses in a foreign country and block your card, leaving you without the ability to spend money.

Get some cash converted into the right currency

Money is usually a concern for travelers, as it should be. You want to make sure that you’re never at risk of getting stranded without some cash on you. You should have your money changed into the currency that you need before you reach the airports, as the exchange rates at airports tend to be pretty costly. Make sure you know the currency of the country or countries that you’re visiting, as well. A lot of countries in Europe use the Euro, but not all of them do and worldatlas.com has a list of those that do and don’t. You don’t need a lot of cash on hand as most ATMs in Europe will take your cards just fine to let you withdraw money as necessary, but you want to take some out at least.

A spontaneous trip to Europe is a hard thing to travel. You need to make sure that you have all of your necessary paperwork done and more to make it a stress-free trip. However, there are still so many locations that make it all worth that effort.

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5 Factors That Affect Your Chances of Owning a Home

5 Factors That Affect Your Chances of Owning a Home

Purchasing a home is a significant financial investment. That said, make sure you’re ready to be a homeowner before you start looking for properties or comparing one mortgage quote with another. Let’s take a look at some of the things that both lenders and homeowners should think about.

Earnings and employment status

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Your lender isn’t only interested in knowing how much money you make. They’ll also want to review your job history to ensure that your income is regular and reliable. Getting the correct papers to demonstrate consistent employment is the key to preparing your income. You’ll probably only need to supply recent pay stubs and W-2s if you’re on the payroll. On the other hand, if you’re self-employed, you’ll need to produce your tax returns and other documentation that the lender asks for.

Liquid assets

You’ll still need liquid assets to fund your home purchase, even if you have a mortgage. These include the following.

  • Down payment: While it is possible to buy a home with no money down, most homeowners will require some cash for a down payment. The amount of money you’ll need for a down payment is determined by the sort of loan you take out. You can purchase a property with as little as a 3% down payment, though there are benefits to putting down more. 
  • Closing fees: Before you move into your new house, you’ll need to pay for closing costs. Closing costs are the prices you pay to your lender and any third parties in exchange for your loan being created. The amount you’ll pay can vary depending on where you live and the type of loan you have. It’s a good idea to budget for 3% to 6% of your home’s value in closing fees. Part of it may be rolled into your mortgage or reimbursed by the seller via seller financing.

Credit score

Your credit score significantly impacts the types of loans and interest rates you are eligible for. Lenders use your credit score to estimate how risky it is to lend money to you. As you prepare to secure a mortgage, taking actions to enhance your credit score can benefit you significantly. Better numbers imply more favorable lending terms and lower interest rates. What credit score will you need to get a home loan? To qualify, most lenders require a credit score of at least 620. A credit score of 720 or higher will usually earn you the most acceptable loan terms.

Commitment to living in a single location

A mortgage can be a long-term commitment of up to 30 years. Even if you don’t have to live in your house for the duration of your loan, it’s still a huge decision. It’s harder to relocate when you own a property. Unless you’re buying a second house, you’ll probably have to sell your present one first, which can take a long time. Determine whether you’re prepared to stay in your current location for at least another few years. Take into account your job objectives, family duties, and other factors. Each of these considerations will significantly impact the style of home you purchase and the location of your primary residence.

Timing 

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A suitable time to buy a house is determined by personal characteristics (such as financial readiness and lifestyle preferences) and market conditions (such as current mortgage rates). In the end, the best timing to buy a house is determined by your circumstances. Before making any significant financial decisions, such as purchasing a home, seek advice from a financial specialist.

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4 Ways Tech Has Changed These Key Industries

Tech is constantly evolving and as it does it is also reshaping the business world. Here are some of the key ways that tech has changed certain industries and why this is important. 

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Health Care 

First, it’s worth exploring how technology is reshaping the healthcare industry overtime. Tech is changing how we think about healthcare and how we access it. For instance, with tech, it’s possible to speak to your doctor remotely and get all the answers that you need about conditions or symptoms that you might be experiencing. Healthcare is also being reshaped by artificial intelligence. Many experts believe that AI is key to ensuring that patients can be provided with a higher quality of healthcare overall. This is in part tied to machine learning which could provide the answers to various medical conundrums in the not too distant future. 

Entertainment 

Entertainment is arguably the industry or sector that has changed the most due to advances in technology. If you want proof of this just look at the streaming wars. These days, streaming movies is far more popular compared to buying them and it’s arguable whether we even need theaters anymore. They might be a relic of the past. Movies aren’t the only form of entertainment being changed by tech either. Experts like Belinda Stronach are working to reshape horse racing to ensure that it’s easier for customers with the use of an app. 

Marketing 

Next, it’s worth thinking about how marketing has been changed by the latest technology. A key element of this is that marketing is usually completed online rather than in person. So, you can speak to a marketer about the different ways that you want to alter your campaign to reach the widest audience possible. Tech has also caused business owners to embrace omnichannel marketing campaigns. Strategies like this means that everything is connected and flowing in multiple directions. So, regardless of how a user encounters your brand, it should still be possible to lead them to a purchase decision. 

Education 

Finally, it’s worth exploring how tech has changed the education industry. The main difference today is that education can be handled almost completely remotely. You don’t need to worry about issues with needing to have a room full of people. Instead, people can get the training and support that they need while operating from the comfort of their own home. This is also making education more accessible and cost friendly. A big problem with training is that it used to be expensive and this just isn’t the case anymore. Any business can arrange the training they need for team members, on a budget. 

We hope this helps you understand some of the key ways that technology is reshaping some of the fundamental industries operating in the world of business today. If you take the right steps then you can make sure that your business is taking advantage of tech too. When you explore the possibilities, you’ll find that there will always be ways to use tech to improve your company.

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How To Become Less Judgemental – And Why It Will Change Your Life

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As human beings in the twenty-first century, we walk around judging others constantly. Most of us don’t even realise we are doing it – it’s a mindset that we learn as children and grow up with throughout our lives. Although there is some natural element to judging others and seeing them as competition, in today’s society, judging others serves nobody at all.

In today’s post, you will learn three ways to stop being judgmental, and find out exactly why judgement is so poisonous in today’s society. 

How judgement is the enemy of progress…

Every person on Earth is unique, yet we quickly form categories that society reinforces. This is a simple yet powerful truth: the more you fall into your society-formed categorization, the more alienated you feel by others outside of your “category”. These categories can be class-based, race-based, gender-based and even industry-based. We allow other people’s judgement to define us, and therefore we give the same energy back into the world.

However, in recent years, a shift has begun to happen. The younger generations are moving away from harmful judgements and are slowly beginning to reform the way they see others. Practicing this radical non-judgement is not everybody’s cup of tea, but it certainly aids progress. The more we see others for who they are, the less likely we are to feel judged or alienated by the world, too.

3 ways you can stop judging others

Now, let’s get to the practical side of things. How do you stop being judgemental when it’s ingrained so deeply?

Let’s take a look at three practical steps you can take towards non-judgement.

  1. Walk a mile in their shoes.

If you find yourself casting judgement over a person before you truly know them, you need to practice empathy. It’s easy to be critical of other people’s decisions or ways of life, but have you ever walked a mile in their shoes? Probably not.

Of course, it’s not always possible to actually have the same experiences as somebody else. But what you can do is be open, listen, and learn about how they see the world in comparison to you. You may not always agree, but simply by being open to the possibility of changing your mind, you are practicing radical empathy that can be life changing.

  1. Befriend people from all walks of life.

If you close your inner circle off to anyone who isn’t exactly like you, your mind will likely stay closed, too. In order to be less judgemental in general, it is a good idea to befriend people from different backgrounds, religions, sexualities, and political viewpoints. 

  1. Realize that your life experience isn’t universal.

Your experience of the world is just a tiny sliver of what’s out there. Your opinions, therefore, are formed based on your minute experience of the world. 

Let’s use an easy example: drugs! You might have grown up thinking that all drugs were evil and bad, until you met somebody with chronic pain who used marijuana to soothe their suffering. Before you know, you’ll be buying them a joint case and even trying it out if you’re brave enough! This is just one example of so many things you could change your mind about in the future.

Overall, it’s time to put away our shallow judgements of others and be more open!

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