Buying Jewelry For Your Business Part 4 Buying Platinum Jewelry

Written by Sam Serio

Whether you presently own a retail or web based business and are looking for an additional profit center or you are thinking of starting a business, jewelry is a “no-brainer” choice for a proven product category. The buying public, (particularly women) never tires of jewelry asrepparttar choices in color, materials, finishes and styles are endless and innovations are continual. Every generation reinvents jewelry for itself in muchrepparttar 150762 same way that it reinvents music and fashion. Styles change butrepparttar 150763 basic facts remainrepparttar 150764 same. If you are a seasoned professional, please considerrepparttar 150765 following a refresher course. Torepparttar 150766 new comer, use this information as a foundation for your ongoing jewelry education.

The Facts About Platinum Jewelry Platinum is a precious metal that costs more than gold. It usually is mixed with other similar metals, known asrepparttar 150767 platinum group metals: iridium, palladium, ruthenium, rhodium and osmium.

Different markings are used on platinum jewelry as compared with gold jewelry, based onrepparttar 150768 amount of pure platinum inrepparttar 150769 piece. The quality markings for platinum are based on parts per thousand. For example,repparttar 150770 marking 900 Platinum means that 900 out of 1000 are pure platinum, or in other words,repparttar 150771 item is 90% platinum and 10% other metals. The abbreviations for platinum - Plat. or Pt. - also can be used in marking jewelry.

Three C's

Written by Mark Uptain

What Startups Need to Get a Business Loan, Part 1 by Mark Uptain

You want to get a good, solid overview of what it takes to acquire that business loan you need, especially if you are a startup. The essential element of whatrepparttar lenders out there require of you can be wrapped up inrepparttar 150761 acronym, C. C. C. These are...

Cash - Decide how much money you want to borrow, what it will be used for specifically, and how much you personally will put down onrepparttar 150762 loan. The more cash you can come up withrepparttar 150763 better, period.

Credit - Your personal credit score really should be 700 or better. Unless you've got tons of cash and collateral, don't even attempt a loan request until it is. Personal credit reports can often be obtained free and securely overrepparttar 150764 internet.

Collateral - The more collateralrepparttar 150765 better. The lender will establish a loan-to-value on all of it. Having a house to pledge is a huge plus. Keep in mind, though, that little or no cash and lousy credit will not be made up for by an excess of collateral.

You must decide how much money you need and how much you can raise for a down payment. You must get working to make that credit score of yours better. You know how many assets you have, and should find out what their liquidation value is. You need to discover how to get your hands on additional cash and collateral shouldrepparttar 150766 need arise...

Still with me? Good. If you are serious about starting or enhancing your business through a loan, you need to understand that lenders will want to know how much skin you have inrepparttar 150767 game. After looking into a loan possibility, many aspiring and existing entrepreneurs conclude thatrepparttar 150768 money lending industry is too demanding and complex, andrepparttar 150769 sheer volume of information required by them is overwhelming. Then, discouragement sets in and drains allrepparttar 150770 excitement and enthusiasm out of them.

But perhaps it's prudent to think fromrepparttar 150771 lender's perspective for a moment. Imagine a stranger approaches you, nicely dressed and polite, and proceeds to enlighten you on his idea to build a lovely espresso stand just downrepparttar 150772 street from your house. His vision ofrepparttar 150773 success of this venture is optomistic, he apparently has a little experience at running coffee joints, and is now inquiring if you would like to fundrepparttar 150774 construction and initial operation of this hopeful enterprise.

So, naturally you begin to be a little inquisitive...

You: "How much cash will you have onrepparttar 150775 line for this project?"

Him: "Cash?"

You: "Yeah, you know..., money? And, since I'm asking, how's your credit? Have you been making all ofrepparttar 150776 payments to your creditors on time?"

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