How to locate Very good Precious stone Insurance

When considering where to find good precious stone insurance policy for your valuable expensive jewelry, there are some points you should know about diamond plans, and just what they include and do not protect. It’s really a particular kind of insurance policy, and your agent might possibly not have all the details she or he should build the ideal policy for you, so the choice is yours to come provided because of the particulars you happen to be interested in.

There are fundamentally about three varieties of precious stone insurance policy offered, and these are Cash Worth, Substitute Price, and Agreed Worth. Actual Cash Price ensures that your precious stone will probably be covered with insurance at modern day real marketplace fee for that precious stone, no matter what you acquired it for. Replacement Worth signifies that the insurer can pay up to and including degree to change the diamond. They may in fact spend lees compared to plan declares, as they can frequently get a greater replacement offer than you’ll be able to. Decided Price is just that anyone with a insurance carrier arrived at a contract on the value of the diamond, and that’s what they’re going to pay out in case of a loss. This manner is rare, and when you can have it, join it! Normally individuals are steered into Substitute Value, but that shouldn’t be your first choice in case you have one particular. Try for Agreed Benefit, then Cash Worth first.

Most gemstone insurance coverage polices are published as bikers in your home owners or renter’s insurance coverage. There exists one more key point to keep in mind, specially in regards to Substitute Value insurance coverage. Don’t opt for the insurance companies appraiser when evaluating value of your diamonds. They work with them, and you ought to realize that if they collection the value of your diamonds at $15,000 after a loss they find they’re able to switch the gemstones for $5000, it is precisely what they will do. Why that’s important is that this all time you should have paid rates determined by $15,000, not Money5000. Difference. Always insist upon an unbiased evaluator.

Obtaining good stone insurance coverage isn’t really all that tough, but like anything else with regards to almost any insurance policy, you’ll want to be with the reality so you will not pay too much, or find yourself under-insured.

54 Comments

  • Kent says:

    The cash is put in personal checking, saving and CD accounts (exclude retirement savings are not counted).

    For a couple, no children, both work, have a $240K/30 years mortgage, no car payment.

  • Jae says:

    Some suggest China is the key to solve the crisis, since they got the largest revenue asset cash that worth a least 2 trillion.

  • Yu says:

    Like say China, You don’t hear about many rich Millionaires, Billionaires living outside of china.

    A weak Currency would make their Cash worth less in other countries so they’re better off spending it in their home countries right?

    But then they also do have some strict travel restrictions.

    What do you think?

  • Anja says:

    All I know is that you can take out a loan for up to 90% of the cash value of your life insurance policy but how much usually is that number? I dont own one so I have no idea how life insurance works. All I know is that you pay a monthly premium and that it goes to somebody when you die, so can you even just open up the plan and start borrowing money from it? How does this work?

  • Walton says:

    What is the average cash worth of Americans?

    I know most people’s net worth are greatly inflated because they over-estimate how much their house is really worth.

  • Melania says:

    Just wondering if anyone has had any experience with a short sale with wells fargo in Arizona… Our cash offer was accepted by the owners yesterday for $3500 over asking price so I’m assuming the bank will accept but curious as to how long the process will take. I am a first time buyer with very little knowledge in real estate and any insight would be greatly appreciated.

  • Christian says:

    I have a company contributed stock option that is being closed and distributed to employees. I can roll this over to a retirement account, however, since I never had the money to begin with, would it be worth cashing it out, paying the penalties and getting rid of bills that I am now paying interest on?

  • Trinidad says:

    I want to do cash crate just to earn a little money. I’m obviously not going to make a fortune but a few dollars would be fine. I don’t really understand what you have to do. All the offers require more offers. Is the payout REALLY worth the offers? Can someone please explain how it works? I’m 17 btw.

  • Valentine says:

    Me and my fiance found a bunch of vintage vinyl records in our attic about 30 minutes ago. One of them that caught my eye was a Johnny Cash album. I’m not sure was record was but I would like to know if anybody knows how much we could sell them for and if they are worth any money?

  • Earl says:

    I was wondering if buying Farmville Cash is worth it? The reason i am asking is because i want to get some of it, but i dont want to spend so much that im getting ripped off, plus i dont want to waste too much on it… So anyways, my question is is it worth it?

    Please Post Serious Answers.
    Well this is interesting… My instincts are saying dont buy and the gaming side of me is saying buy…

  • Lucas says:

    April 1, 2013, Jiro Nozomi created a new travel agency, Adventure Travel. The following transactions occurred during the company’s first month.

    April1 Nozomi invested $30,000 cash and computer equipment worth $20,000 in the company.
    2 The company rented furnished office space by paying $1,800 cash for the first month’s (April) rent.
    3 The company purchased $1,000 of office supplies for cash.
    10 The company paid $2,400 cash for the premium on a 12-month insurance policy. Coverage begins on April 11.
    14 The company paid $1,600 cash for two weeks’ salaries earned by employees.
    24 The company collected $8,000 cash on commissions from airlines on tickets obtained for customers.
    28 The company paid $1,600 cash for two weeks’ salaries earned by employees.
    29 The company paid $350 cash for minor repairs to the company’s computer.
    30 The company paid $750 cash for this month’s telephone bill.
    30 Nozomi withdrew $1,500 cash from the company for personal use.

    The company’s chart of accounts follows:

    101Cash 405Commissions Earned
    106Accounts Receivable 612Depreciation Expense—Computer Equip.
    124Office Supplies 622Salaries Expense
    128Prepaid Insurance 637Insurance Expense
    167Computer Equipment 640Rent Expense
    168Accumulated Depreciation—Computer Equip. 650Office Supplies Expense
    209Salaries Payable 684Repairs Expense
    301J.Nozomi, Capital 688Telephone Expense
    302J.Nozomi, Withdrawals 901Income Summary

    Using account balances from part 6.2, prepare an unadjusted trial balance as of April 30.
    ADVENTURE TRAVEL
    Unadjusted Trial Balance
    April 30, 2013
    Account Title Debit Credit

    101: Cash $27,000
    106: Accounts receivable
    124: Office supplies 1,000
    128: Prepaid insurance 2,400
    167: Computer equipment 20,000
    168: Accumulated depreciation— Computer equipment
    209: Salaries payable
    301: J. Nozomi, Capital 50,000
    302: J. Nozomi, Withdrawals 1,500
    405: Commissions earned 8,000
    612: Depreciation expense— Computer equipment
    622: Salaries expense 3,200
    637: Insurance expense
    640: Rent expense 1,800
    650: Office supplies expense
    684: Repairs expense 350
    688: Telephone expense 750
    Total $58,000 $58,000

    How to get the Cash Debit $27,000, why is not 30,000?Would someone explaine this?This is Aaccounting question.

  • Darius says:

    I want to sell:

    Xbox 360 Elite – 120GB Harddrive – Black Finish (I’ve had it for 6 months.)
    With 2 Controllers & all the cables.

    Is it worth trading in? I don’t want it anymore, and I need money by Monday.

    Would I get a reasonable amount of money for this?
    If so, how much do you think I should get/should get.

    And is it possible to haggle at CC? :P

  • Lupe says:

    I am in need of some extra money. I have a lot of gold jewelry that I do not wear anymore. Should I sell my gold jewelry to Cash 4 Gold? Has anyone ever used Cash 4 Gold?

  • Matha says:

    i just bought an i7 950 for 199$

    just today they put a sale on the i7 875 for 230$

    i know the 875 is faster but is it worth the extra 30 dollars? also i believe the 875 does not come with a heatsink so ill need to pay for that too. do you think its worth it?

  • Milo says:

    I gave a check for some hundred bucks to a friend, but he lost it, I wonder if someone else is able to chash it, and if that would be the situation is it posible to track a cashed check??

    10 points to best answer

  • Kareen says:

    i’ve been considering becoming a “mystery shopper” part time for extra cash. i’m curious as to how it pays, how lenient it is scheduling wise and how to get started. oh and of course thought and experiences on those who’ve done it – is it worth it? thanks!

  • Daniel says:

    are the online companies that offer to buy gold and other precious metals usually legit, and is it worth it? with the millions of jewelry items on ebay, my stuff won’t sell for more than a cent. I’m located in Canada if anyone knows of a worthwhile company, or one that also takes precious gems

  • Alonzo says:

    Is the cash flow how much the owner makes? If a business’s gross income is $800,000, and the cash flow is $100,000, what is the difference between the two and how much does the owner take home?

  • Ahmad says:

    I am new to internet marketing and have brought a fewproducts recently that I thought would help me learn how to become successful and make some money.

    Overnight Affiliate Cash looks good on the sales pages but I am leery about spending more money and not seeing results. can anybody give me an opinion?

    Thanks

  • Earleen says:

    This policy is of benefit to the beneficiary after the demise of the owner, provided the beneficiary is alive at the time.Otherwise, it may go to the estate. The question is that the owner needs some money. It cannot be used as collateral for a loan as the owner has a loan already and struggles to meet it. The present loan cannot be readjusted because of the age of the person who is almost ready to retire. Right now the person is ill, doesn’t know what the future holds and wants to use the money from the policy which covers death not life. Are there companies that will give cash for insurance policies the way you can get money if you win the lottery or get a big settlement?Cashing in the insurance may not yield the amount that is needed but then at this point it is take what you get or let the beneficiary get all to spend at will.What can the policyholder do to get a substantial sum? The policy is more than five years old and only one loan of $3000 was taken out against it about three years ago.

  • Valentine says:

    Is it still dropping or is it a good idea to buy it while it’s down at 7 mill? Iahave 31m btw so i really don’t want to set myself back 7mill if it isn’t worth it.

  • Cory says:

    how can i make my account worth cash? how does this work? where do you sell them?

  • Rebecca says:

    It has 1 cent button on it and highest value on it is 2 dollars. I think it is antique

  • Arnulfo says:

    I am 25 yrs old, single mom of one… Term or permanent insurance for me? I do like the fact that permanent insurance has cash value, but is it worth it?

  • Prince says:

    It’s from June 20, 1919 and it’s a McCaskey Cash Register. Need any info on it let me know. thanks! :-)

  • Ronnie says:

    The following transactions occurred in March- GST does not exist

    Fiona contributed additional cash worth $21,000 to the business.
    Collected $10,000 on account from a customer.
    Billed a customer for a consulting services on account $98,000.
    Carried out consulting services for a customer, receiving cash $54,000.
    Purchased supplies on credit $76,000
    Received 1,000 interested.
    Paid $ 32,000 to a creditor on account.
    Paid March’s salaries $43,000.
    Recevied an invoice for March’s advertising expense to be paid in May $32,000.
    Sold supplies that cost $7,000 to a friend at a cost of $7,000.
    Distributed $13,000 in dividends to shareholders,
    Received an electricity bill for the electricity used in March $4,000 and paid it.
    Purchased land $540,000 by arranging a mortgage with the bank.
    Recorded expense for March $4,000 (note- on march 1, three months rent of 12,000 was prepaid).
    Counted supplies in hand March 31, $150,000 remained.

    Record the above transactions in a general journal using only the ledger accounts given.

  • Wayne says:

    currently been an mp3 person creative zen, but i bought some music itunes and the current songs won’t transfer, so I was just thinking is it time to join the dark side? looking at it it seems nice, it looks pretty good with the games on it, that would give me something to do. But are they worth the 240?

  • Jalisa says:

    My friend wants some more wealth on the website ‘Gaiaonline,’ But she doesn’t have the money to buy Gaia cash. Is it like a gift card, where it is only worth something when the cashier rings it up? Or can it be stolen.. She said that she was thinking of stealing one and I told her not to. She says that it will still be worth something anyway. Help?

  • Mckenzie says:

    I have some series EE savings bond worth $50 back from 88 through 95, when can I cash them in?

  • Tashina says:

    So my dad has this cash register from our family buisness and the cash register is from like 1910-1930 or something like that so he’s been looking to sell it but we never looked into the worth.
    There is a picture at this link: http://www.flickr.com/photos/live4mtndew/8339428900/in/photostream
    It from the 20’s by the way.

  • Sherlyn says:

    Rachael Ray Corporation had the following transactions.
    1- Sold land (cost $12,000) for $15,000.
    2- Issued common stock for $20,000.
    3- Recorded depreciation of $17,000.
    4-Paid salaries of $9,000.
    5- Issued 1,000 shares of $1 par value common stock for equipment worth $8,000.
    6- Sold equipment (cost $10,000, accumulated depreciation $7,000) for $1,200.

    Instructions
    For each transaction above, (a) prepare the journal entry, and (b) indicate how it would affect the statement of cash flows. (For multiple debit/credit entries, list amounts from largest to smallest eg 10, 5, 3, 2.)

  • Kendrick says:

    im not plannin on selling it by my pap gave it to me, and im just curious…its a pristine martin d-28 thats been stored in a heated garage for over 20 years..it was signed (not played) by cash in 1974 in waterloo,Iowa and has an authentic pic of cash and june taped to the inside of the case..not sure the pic is really worth anything, its just a nice personal memorabilia..anyway any ideas on the value

  • Lue says:

    I really need the extra cash right now and I’m hoping online surveys will be helpful but I don’t want to be wasting my time. Have you ever tried it? What do you think?

    Thanks

  • Tyra says:

    matt hughes, the 9 time welter weight ufc champion of the world recently opened a gym about an hour away from my house in st.louis, and i want to do boxing and mixed martial arts which cost $100.00 a week.. is it worth it?

  • Tom says:

    I have a 15 dollar hot cash and i was wondering if im able to use the code given online??? will it take out 15 dollars from the $30.00 after its applied? or do you have to call up customer service

  • Pura says:

    Thanks a heap! Rather confused.

    “The act of injecting cash into an economy is also known as an injection, which is part of “a model used in Keynesian economics based on the equality of non-consumption expenditures” (Amosweb), including investment, government spending, and exports. Specifically in context, the aid of the central bank injecting cash into the economy…..”

    Stuck!

  • Kimberli says:

    I have been looking for the perfect house for over a year and have yet to find it. I am thinking of building my house but I have not found the perfect land or decided on where I want it yet.

    I found a townhome that is for sale for $59900 for a 2/2 1106ft2. It is right next to the university. My boyfriend is renting in this same subdivision for $800/month for a smaller TH and my friend pays $1200 for the same as what I would get. So I know that if I decide to move/build I can rent it out.

    I started my own business a little bit ago so my income is harder for me to get a loan before the tax credit goes away. I was just let go from my FT job due to downsizing. My father is willing to give me cash to purchase a place and I pay him back.

    Options:
    1)My father was going to buy it and then in 90 days I buy it from him with a mortgage per the laws. That would mean I do not get the $8K first time home buyer.

    2) If my father gave me the cash as a “gift” would I be able to mortgage the TH later to pay my dad back since the cash is from the equity of his house? That way I would get the $8K tax credit.

    Also, would you get into this? The total PITI for the TH at full asking price would be $530/month and is not homesteaded. It’s been on the market for a very long time with many price drops. It is now bank owned so I would deff ask for a lower price. It sold in 06 for $152K per the property appraiser.

    I wanted to ask here before calling my Realtor on Sunday since he has a very sick wife. I live in central FL.
    axaroth very good information!!! If my father is the lender to me and he files a lean. I understand I will be making monthly payments to him. Will the TH be in my name and will I be the one getting equity?

    I also have $17500 for first time home buyers assistance. If my father is my lender can I still take advantage of that assistance as it would reduce the loan further?

  • Fidel says:

    I work a minimum-wage job (meaning I need to get the best out of my every hard earned cent :P). I am saving up to get a laptop computer for sound (I can record sound at a studio, then take it home and mix it). So here’s the question: Is an Apple Macbook 13.3″ worth the extra $300 over a Dell Studio 15 laptop maxed out? The Dell has better specs and an external sound card. I have a copy of Fruity Loops, and would use GarageBand on the mac for mixing (It’s sufficient for my needs from what Ive seen, I don’t use any synth).

    Is the “precision engineered” Mac worth the extra price? Also, any macbook owners (new macbooks), how is the battery life and the internal speakers? Is the sound clear and crisp?

    Thanks

  • Isaias says:

    I’ve had the first xbox for several years now. I do enjoy playing video games from time to time, but I’m not really hooked. I enjoy first person shooters, sport games, and strategy. When I play video games it’s mostly to experience the new thrills which the game creators have came up with. I’m also really into games that let you customize. Whether it be a car or a character.

    With all that said, are you xbox 360 owners satified with the gameplay?

  • Sherwood says:

    My grandparents got me the policy when I was born and have been paying on it for the last 21 years. I’m pretty sure it was the smallest policy (whatever that was in 1989, probably $5,000), and my grandmother wants to know how much we would get if I cashed it in now.
    I’m asking because my grandmother just got a letter saying something about it turning over to me because I’m 21, and she thought if I could get anything for it I should take it. My grandparents did not get the policy out on me because they “expected me to die”, but becasue they thought it would give be a head start one day
    They do not have life insurance on themselves, but I don’t see how that has any bearing on this
    I don’t expect there to be anywhere near $5,000 available with a cash in, the 5,000 was what the POLICY value was. The letter mentioned one of the options as cashing it in, so we thought at most it would be worth 100 or 2

  • Darnell says:

    I’m considering purchasing Gaia Cash (with actual money, not to be confused with the gold you can earn around the site). I know the site’s been glitchy lately so I was wondering if a.) people have had problems making an online pruchase and b.) if spending actual money is worth it?

  • Vince says:

    My store throws away a lot of buckets. Should I start collecting and recycling? It has a numer2 sign. worth it?

  • Chester says:

    Are they worth buying? I know you can sell your gaia cash items on the game and make alot do you think it’s worth the money?

    Please no rude comments thanik you.

  • Anderson says:

    Should I cash it in and re invest or just leave it? The premiums will increase when I turn 54. I am 51 at this time. I am presently in good health. If I cash it in will there be any penalties through the insurance or taxes?

  • Henry says:

    I’m almost 30 and have over $20,000 in my 401k. I want to quit my full-time job, find a part-time job and go back to school full-time. Is it worth cashing out my 401k?

  • Erin says:

    I’m gonna buy a new pair of shoes and I’m thinking about getting those custom converse you design (just pick the colors) for $75.00 but I’m looking for something comfortable and that’ll last me a good few months (like 9 months as I buy shoes every 9 months). I want to know if they’re worth the cash or not.

  • Harley says:

    Im seventeen and I have saving bonds that I wanted to cash in.

    My mother is going to sign for me, but do i need both parents to cash them in for me?

    My grandpa is the one who gave me the savings nonds does he need to be there?

    please help asap

    im only cashing about $200 worth.

    Where could i cash them at?

  • Violet says:

    I received a scholarship today worth $1500. The problem is that its payable to the school im going to. I called the school and they said if i send the check in to the school it will probably effect my financial aid. The memo is made out to me if that helps? Can i cash this check because i dont wanna call up the club that gave me the scholarship and ask for a new check made out to me.

  • Loura says:

    how much is a nexon cash card worth?

  • Danita says:

    Is It Worth The Cash?
    I have heard of ps3 home , is this going to be free?

    Thanks Again

  • Darwin says:

    I was thinking about setting up a headscissor and facesitting session with a female wrestler, but they charge a lot for an hour! Has anybody ever had one, with who, and is it worth it?

  • Emmett says:

    it is a 2000 jetta turbo with a decent body,minor interior work needed, but airbag light is on….has 130,000……worth 5000?

    thanx

  • Felton says:

    im doing a history project..we had to pick someone thats worth studying through out the last 500 years. My partner and I are doing Johnny Cash.. what makes him different from previous musical artist through history? and what makes him worth studying.
    we had to pick a musical artist.. not a leader soo. and the BEATLES was already taken

  • Dave says:

    how much is 10$ Gaia Cash cards and 25$ Gaia Cash cards ?

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