Business

How to write a better job description than a staffing professional

Fact: Job descriptions can be hard to write even if you’re a professional. However, many employers come to our recruiters after a job posting fails. Subsequently, these people feel that their job advertisements did not show the success that they would have if they had written it a little better. This is not the case.

To really nail a job description, you need to be in the 99th percentile. Our recruiters have access to post for free on almost every job board from here to New Zealand. We normally don’t post more than a few jobs per client because they are simply a waste of time, ironically done by contractors hoping not to waste money.

However, that doesn’t mean your job description should go to waste. Many companies, regardless of size, have trouble “recruiting” the best candidates in the market because, by meeting these people, interviewers have sometimes not taken the time to explain the benefits that the employee will receive, both in monetary terms as personal. working with the organization.

When formulating these “job descriptions,” focus them on the benefit of the person who will get the job, rather than having the attitude (or making others perceive) that the job search process is all about the hiring party.

At the time of the interview, if you focus on getting the interviewee interested and committed to the position, they will inevitably be more relaxed and therefore more open in terms of the answers to your questions. If you can get a job applicant to commit to the possibility of working at your company during the initial rounds of interviews, you will enter the final decision-making process with a tremendous amount of extra ammunition to help you make the right hiring decision. .

One final tip regarding job descriptions is to avoid generic adjectives like “best” or “excellent!” Even if you spend an hour in front of a thesaurus, I can almost guarantee that you can make your company an absolute All-Star when it comes to job seekers who are in active demand to become part of your organization.

Home Kitchen

Top Key Factors for Residential Construction

RESIDENTIAL DESIGN SERVICES
Design-build is a way for Vedant Infra Construction Services to accomplish a mission where design and build services are downsized together. From the concept of the project to the final touch of the mission. This exercise is used to reduce the manufacturing schedule by overlapping the design section and the build section of a task. A single point of contact.
The layout-construction direction modifies the conventional series of work. Finishes are selected early on in an effort to create unnecessary delays in the course of the residential construction process. Whether it’s choosing tile, paint colors, flooring, or plumbing fixtures; Vedant Infra Construction can help you with your design wishes.
KITCHEN REMODELING
Moving forward in redesigning a kitchen is a great selection. Whether you’re completely remodeling your kitchen or converting the best part of it, you need to hire a contractor who knows every factor of the challenge. We have the ability to convert your kitchen with design, residential construction and installations that are definitive. Your kitchen must withstand stains, scratches, humidity and heat. Even if it’s pretty small, you still need to move around in it without bumping your hips against cabinets or countertops. We want your new kitchen to be not just beautiful but functional.
When it comes to home improvement initiatives, a kitchen makeover is one of the biggest and most impactful home renovations you can make. Whether you’re remodeling your kitchen because it doesn’t meet your own family’s wishes or strictly to give this crucial room in the house a style update, you need to make the satisfying viable selections to ensure you get the most bang for your buck. .
As long as there were houses, there were kitchens. The styles, layouts, and capabilities that might be in style have been continually modified over time, but there are a few key kitchen factors to consider when you want to create a classic space that combines high quality with vintage appeal. the vanguard. beauty.
BATHROOM REMODELING
What is the main influence you get when you walk into the bathroom? It might also look deleted. Paint may be peeling and tiles may be loose or cracked. Even if it’s not in bad shape, it can be downright old. It will not only improve the cost of your property; you can experience spending time to go to the bathroom. Working with substances and adapting to each price range, we can remodel your bathroom to make it as relaxing as it should be. From the color of the tiles to the dimensions of the bathroom, we will make your bathroom remodel your dream come true.
HOME INTERIOR RENOVATIONS
An interior protection reveals the capacity of your home in many ways. Renovation paintings are an opportunity to update your home and make it a place that suits the wishes of your circle of relatives today. A preservation can change even the capacity and aesthetic elements of your property. You don’t need to uproot your family to a new home or a new location to get the upgraded space you dream of. Simply hire the right contractor to create the vision you want. So much can be done with today’s materials, and with the right spatial design plans, your remodel will feel like a brand new home.
Interior design and interior decoration are two very different fields that are not normally suitable for the alternative. The Designer creates the space and the Decorator complements it.
An interior designer coordinates from the preliminary project to the execution / final touch of the company.
The limited area for production requires the final use of the available space. The best use of space, the well-being of the person, the capacity of the format and the coordination with the developers are the most critical aspects of Interior design.
In the afterlife, the interiors have been instinctively prepared as part of the building system according to the needs of the stakeholders or developers. The limitations of time and space have made interior design become a technological knowledge. For example, an interior designer may have the experience and insight to combine a small closet, loft, or bathroom into one room, while to a layman it seems impossible without compromising usable area.
The interior design profession is so important and has many verticals and has branched out into skilled designers. There are extraordinary interior designers for flats, houses, industrial buildings, homes and workplaces, hospitals, accommodation, faculties, etc.

Auto

Top 9 Used Car Sales Tricks and How to Avoid Them

One of the most important moments in many people’s lives is driving their shiny new car. It is an exhilarating feeling. It’s also a great time because in that very instant, that new car loses a huge chunk of its value: the difference between the retail price you paid and the car’s wholesale value. Usually thousands disappear in an instant.

That’s why some car buyers choose to shop around for a used car. You save yourself that steep initial drop in value. More importantly, you get a car that runs just as well, is just as reliable, and looks and feels just as good as that new car—that is, if you play your cards right.

Because if there is a stumbling block when buying a used car, it is the risk of buying a lemon, a junk; call it what you want, you get the point: the wrong car. After all, used car dealers have a reputation almost as bad, if not worse, than lawyers. This is true for individuals who sell their cars through newspapers, web auctions, and classifieds sites, or with the old-fashioned signs in their car windows. The saying, “Buyer beware,” nowhere has more meaning than with automobiles.

The opposite of that, of course, is that there is some real theft in used cars. We’re talking about quality vehicles that will exceed your expectations at a low price. Here’s how to find these perfect used vehicles and avoid the top 10 scams used car dealers everywhere try to trick you.

1. Get a second opinion for the hype. Used car dealers will bombard you with every adjective in the book to sell you a car: sporty, cheap, fast, etc. Don’t take their word for it. Instead, find someone you know, whether it’s a neighbor, colleague, family member, or friend, who has the same make and model of vehicle, and ask for their opinion.

2. Do a background check. One of the most unethical but legal things someone can do to you is to sell you a used one because it has been flooded (and repaired), or one that has had 10 previous owners (none of whom repaired it). To make sure you don’t fall victim to this, look for a history report, including a clearance check on the vehicle’s title. You can even get some of this information from the seller, simply by asking why they are selling it. You’d be surprised what people can spill beans.

3. Examine for previous damage. Used car dealers may also try to sell a vehicle that was totaled in a serious accident. It’s amazing what auto body experts can do to repair the exterior of a car. So don’t go by a vehicle’s outward appearances. Before you buy it, make sure it doesn’t have serious damage to its frame, like it would if it were involved in a crash.

4. Call your trusted mechanic. Used car dealers, especially the big lots, will say they put their used cars through a “100-point inspection,” or something like that. Once again, a second opinion is in order. Get this from your own mechanic. He will be able to tell how good the car really is. Also be sure to ask how often the car has been serviced. A good mechanic can even measure that.

5. Investigation for recalls. It goes without saying that a used car dealer may sell you a car that is actually under recall in their mad rush to get the car off their lot. So be sure to call the car manufacturer or visit their website to see if the vehicle has any active recalls.

6. Avoid leftover lemon. Along with recalled vehicles, dealerships can even perpetrate something much worse on you: sell you a lemon. (By definition, a lemon is a car that’s still under warranty, that has such major problems that, warranty or no warranty, it still can’t be reasonably repaired.) The best way to avoid this is to check out Consumer Reports or the various car magazines, which have annual reviews of every make and model on the market. They will tell you if a type of car is known to be a lemon and prone to breakdowns.

7. See through old paint and bait. In addition to performing their “100-point inspection,” car dealers can polish and wax a used car, even repaint it, to hide dents, dings and rust spots. However, a good eye can see through this.

8. Take the test drive. Once you’ve done all your research, homework, extra credit, and everything else required in the first seven steps, then comes the fun: the test drive. Drive the car for as long as the owner or dealer allows. Then you’ll get a better idea of ​​how the vehicle handles, accelerates, brakes, and suits your tastes (or not).

9. Beware of pushy salesman. At any stage of the game, from the moment you first talk to the salesperson to the test drive, be careful if the salesperson pushes you. Any dealer or salesperson in a hurry to move a vehicle should set off bells and whistles. Why the rush? Are they hiding something? In some cases, the seller may be excited to sell you the car, and genuinely happy for you, but in many other cases, they may be up to something. Better safe than sorry.

Follow these 9 easy steps to avoid used car deal scams and traps, and you can get the car of your dreams, for much less than you’d pay if it were new. Plus, you get the same high when you drive home your new used car, without losing thousands of dollars.

Digital Marketing

App development trends in 2018

2017 was another great year for mobile app and device development. Mobile apps are in the mainstream now and a large number of users already rely on the latest apps. What does the future of mobile app development hold for us this year? 2018 will see the emergence of more innovative apps, along with the growth of modern technology. Below are some of the trends that will mark 2018 in the world of apps.

artificial intelligence

AI will mark both the development of trends in mobile applications and the rise of its capabilities. By using advanced analytics techniques, cognitive interfaces within complex systems, and machine learning techniques, AI will deliver powerful insights that users have never seen before. Due to these advances, the big players like Google, IBM, eBay and Facebook have started to acquire some start-ups expert in Artificial Intelligence.

Augmented reality

Augmented reality applications are already in use and will be in the spotlight during 2018. These applications will be mainly oriented towards games and simulators. Pokemon Go, iOnRoad, Sky Siege and myNav are some brilliant examples of Artificial Reality. Dominating the App Store, these mobile games prove that AR has great potential to influence app trends in 2018.

Mobile app security

Security remains the top concern for developers due to the amount of personal information it stores. The overall growth of the industry, billions of users, third-party SDKs everywhere, and the vast amount of user information stored by companies are creating major security concerns for mobile app developers around the world.

cloud-based applications

Mobile devices have become more complex and powerful. Now many users do not want to install gigabyte apps on their devices. Cloud-based applications have reinterpreted the entire storage hierarchy on mobile devices. Through cloud computing, the user can install a small application that is connected to the cloud where all the data can be accessed.

Internet of things (IoT)

The Internet of Things is shaping the future trends of mobile applications for users to manage smart tools. Analysts predict a major shift in IoT. There are already apps available that allow users to manage different things from smartphones and other digital devices. Therefore, the development of apps focused on IoT will be a clear trend in 2018.

chatbot

Chatbot development is a growing trend. Through them, companies seek to solve the daily problems of their customers. The demand for this type of apps will certainly increase this year.

Relationship

How to get kids to take their vitamins

Many of you are on a mission to be healthier, and that includes your children’s health, but you have trouble getting your children to take the vitamins that you know will improve their health.

Your problem could be a result of the child never having been given vitamins before and just doesn’t want to. Or, it could be that he’s been taking an inferior vitamin (possibly loaded with sugar and binders), so he doesn’t like the taste of the higher quality natural supplement you want him to switch to. (Watch out for “gummy” vitamins.) Or, it could be that swallowing a pill (if you’re old enough for that) isn’t your favorite thing to do, so it can even be a challenge to get teens to take their vitamins. (Believe me, I know from experience.)

Whatever your situation, I want to give you some tips that will help you meet your goal of having children take their vitamins and thus improve their health during youth.

#1: Use enthusiasm and positive persuasion to build a happy anticipation of the big new vitamin. You can even try using a date in the future to keep accumulating: “Next Sunday we’ll kick off your delicious new vitamins! Aren’t you excited?” Or, if there’s a milestone coming up, use it as leverage: “You’re starting preschool next Wednesday. Whoa! That’s when you can start taking your big kid vitamins, too.”

#2: Prepare ahead of time to give the new flavor the best chance of being accepted (especially if you’ve gotten used to a sweet, gummy vitamin). Make sure you don’t have anything sweet to eat or drink before taking the vitamin. Cleaning the taste buds with milk is one option. Follow up the new vitamin with a desirable “chaser” like a good-tasting fruit juice, so he associates the vitamin with the juice.

#3: Try giving half a serving to start with and work your way up to more. You can also crush the vitamin and mix it with something like applesauce. But don’t spread it out over a full serving, as that could result in the opposite of what you’re trying to accomplish by having her take her vitamin. You might also end up hating vitamins and applesauce. (Remember that nutritional supplements should always be taken with food, not on an empty stomach, unless otherwise directed on the bottle or by your healthcare professional.)

#4: Talk to your age about how these vitamins will help them build strong, healthy bodies so they don’t get as sick. Appealing to his reasoning is something you should do with almost everything you’re teaching him, not just getting him to take his vitamins.

#5: If all else fails, try the reward system (well, also known as bribery). In order to enjoy dessert or whatever, you need to take your vitamin.

#6: Reinforce your success by telling someone else, while in the child’s presence, of your great ability to take your vitamins. For example, while talking to Grandma on the phone while the child can hear, you can say, “Guess what? Tyler is doing a great job taking his vitamins now. I think he’s really maturing and I’m so proud of him. ” (This also works for other behaviors you want to reinforce, not just kids taking vitamins.)

Several health issues arose for two of my children that set me on a quest to help them improve their health naturally. I discovered that Attention Deficit Hyperactivity Disorder (ADHD) can be helped with nutritional supplements and I found that the supplements really worked! But I had to work hard to get my kids to take vitamins voluntarily and consistently. Since they are both teenagers, appealing to their reasoning has worked better.

If you’re having trouble getting your kids to take their vitamins willingly, try some of these tips. It is very important to start good habits early and that includes the habit of taking high quality natural vitamins that have been shown in studies to really work.

Health Fitness

Low-carb, high-protein dieters lose more weight

Introduction.

A new study finds more support for the idea that low-carb diets can be especially effective, as long as they don’t lead people to eat more fat or avoid exercise.

In nutritional parlance, carbohydrates refer to sugar and starches. Among dieters, carbohydrates have become foods that are especially rich in these food constituents, namely potatoes, rice, cereals, loaves of bread, sweets, fruits and vegetables.

Cutting carbs to lose weight, often under the rubric of the Atkins diet or the Zone diet plan, has become popular in recent years. Several major studies have added to the appeal of these regimens showing that compared to equal-calorie high-carb diets, low-carb diets help people lose weight more quickly, yet experience less hunger while doing so .

However, many people who have eliminated carbohydrates from their diets have replaced sweet, starchy foods with fatty foods. The fact that many low-carb diets are, in fact, high in fat may explain some potentially detrimental cholesterol trends in a substantial subset of low-carb dieters.

1. High-carbohydrate diets help people lose weight faster.

The new study explored what would happen if the proportion of fat in the diet were held constant and reduced carbohydrates were replaced, gram for gram and calorie for calorie, with protein. This four-month trial, conducted on 48 obese women ages 40 to 56, also assigned half of the volunteers from each diet to a low-intensity exercise regimen.

The findings, published in the Journal of Nutrition, showed not only that the dieters lost more weight on the low-carb, high-protein diet, but also that they lost more body fat than muscle. In addition, the women on the high-protein diet who exercised lost 20 percent more weight than the more sedentary women on this diet. That’s a bit surprising, says study leader Donald K. Layman of the University of Illinois at Urbana-Champaign, because the prescribed exercise shouldn’t have been enough extra activity to translate into noticeable weight loss. In fact, the exercise regimen did not provide any additional weight loss for women on the high-carbohydrate diet.

What this means, she told Science News Online, is that the extra protein some women ate somehow helped exercise to reduce weight.

“This is really surprising and quite frankly quite important,” Layman says, as the observation goes against most nutrition guidelines, which advise dieters and everyone else in the United States to eat less protein, not more.

For their new trial, Layman and his colleagues gave their volunteers two-week menus and instructions on how to prepare the recipes. Participants were instructed to weigh portions to ensure they did not eat more than the recommended amounts. Each woman’s energy intake was expected to be about 1,700 calories per day. In fact, based on weight losses and records, it became clear that most women ate even fewer calories, in the range of 1,400 to 1,600 per day.

Every woman eats the same foods, regardless of her diet. What differentiated the two diet groups were the portions allowed. For example, the high-carbohydrate group was instructed to eat eight servings of starchy foods per day, which included loaves of bread, cereal, rice and potatoes.

“The high-protein group also ate bread and other starchy foods, only half as many,” says Layman. Similarly, while the high-protein group was instructed to eat nine ounces of meat and eggs per day, the high-carb eaters were restricted to just 5 ounces.

In the end, the women on a high-carbohydrate diet ate about the same proportion of macronutrients as they had before participating in the study: 55% of their calories were sugars and starches, 30% were fats, and 15% were from foods. protein. It was the other group that made significant changes in the proportion of these macronutrients. The high-protein group ate just 40 percent carbohydrates, 30 percent fat and 30 percent protein.

Furthermore, the proteins included in each day’s menus were dominated by what Layman calls “high-quality” protein, the kind especially rich in muscle-building amino acids. Some of these amino acids, such as leucine, are not produced by the body and must be obtained from the diet, primarily from foods such as meats, dairy, eggs, and soybeans.

Ensuring that each diet provided adequate leucine was a focus of menu planning. says the layman. He explains that this amino acid is valued for “regulating one of the first steps in turning on the machinery for protein synthesis.” That’s important since muscle is almost all protein.

2. Adding a little exercise to the diet helped keep the body’s metabolism revved up for longer.

Adding a little exercise to the diet regimen helped keep the woman’s metabolism revved up longer and her muscles conditioned. The two groups prescribed exercise were required to participate in a 30-minute supervised walk five days a week and do 30 minutes of stretching and resistance exercises twice a week, using marked gym machines with minimal weights. Even the two most sedentary groups were advised to walk 30 minutes a day, five days a week. Layman says, although their compliance was not monitored.

The focus on protein appears to have paid big dividends, says Layman, as women who followed the protein-enriched diets retained more muscle than those who ate high carbohydrates. That means protein and exercise combined to reduce women’s weight by burning body fat.

Both diet groups lost more body fat when they got some extra exercise. Sedentary women on the protein diet lost 15 percent of their body fat during the trial, and those who added extra exercise lost 21.5 percent of their body fat. By contrast, those who exercised and ate the high-carb fare lost 15 percent of their body fat, while their sedentary counterparts on that diet shed just 12.3 percent of their fat.

Preserving muscle is important, Layman emphasizes, because, unlike fat, it burns a substantial amount of energy when the body is at rest. The greater the proportion of the body that is lean muscle, the greater its energy demand, and the more likely a person is to burn most of the calories they eat, not store them as fat.

The encouraging news, he says, is that the short-term advantages seen in the protein-rich portion of this trial may hold. Some of the women were recruited to stay on their regimens for an additional year, she notes, “and we found that basically the same results continued” for each group.

In a couple of articles he co-authored over the last 2 years, Layman reported that a key feature of the protein diet benefits may be leucine. Although it’s a building block of protein, it may have additional metabolic activities, such as being a signaling agent that helps regulate the rate of muscle development and the body’s use of blood sugar, he notes. For these functions, leucine may have to be present in higher concentrations than is needed just to build protein.

Conclusion.

In fact, Layman says that leucine-rich diets may even help stabilize blood sugar levels before and after meals, a boon for anyone with type 2 diabetes or a constellation of related heart disease risk factors. known as Syndrome X. He plans to investigate leucine’s potential value for such individuals in future studies.

Legal Law

Resumes for Recent Grads: 5 Great Tips for Organizing Your “Education” Section

If you just graduated from college or even grad school, law school, or medical school, your education section is probably the first on your resume (after your header and possibly a summary/brand statement) . Why? Because it studies what you have done most recently and is most relevant to your potential employer. (There may be exceptions to this rule if you have a long and relevant work history. If you think you are one of those people, ask an expert for advice.)

The following are five helpful tips for organizing your Education section. Follow these tips to include a lot of information without taking up half the space on your resume:

1. What should be the basic format?

has. List your educational institutions in reverse chronological order, just as you list your employment history.

b. The most important part of each school section is the name of the school you attended. Make it bold and/or lowercase, followed by the city and state. Use the same format you use for your employers.

against Next, put the title you received. If you are anticipating a degree, write “BA Candidate,” “BS Expected,” or “MA Anticipated.” Fill in the appropriate grade of course.

2. Do I need a separate line for my GPA and for each of my honors?

To save space, you can combine your GPA and honors on one line, and even put them on the same line as your major. How much you combine things will depend on how much space you have on other lines. Here are some possibilities:

has. BA in Political Science, cum laude, 2006 (GPA: 3.41)

b. Degree in Political Science, concentration in Psychology, May 2005

Major Average: 3.73; Cumulative average: 3.68

3. How should I list honors and activities?

You do not need a separate section for Honors or Activities. Only create these separate sections if you need to fill the space! Instead, place them under the appropriate school entrance.

Do you have many honors and/or activities? If you need space, you can group them. For example, you can have a bullet that says “Honors:” and follow that title with your honours, separated by semicolons. Then have a bullet that says “Activities:” and list your activities, separated by semicolons. You can put any relevant date in parentheses after the honor or activity and before the semicolon.

Examples:

has. Honors: Undergraduate Honors Thesis Research Scholarship (Honors Program Award); Phi Kappa Phi Honor Society; Golden Key International Honor Society

b. Honors: Dean’s List (2006-2009); Baylor University Alumni Scholarship (2005-2009); Greek Women’s Leadership Award (2009); Midwest Conference Academic All Conference Team (2008 and 2009)

Contra Activities: Latino Student Association, Secretary (2006-2007), Delegate/Community Service Committee (2005-2007); Organization of Mexican Students, Social Chair (2005-2006); South American Student Association, Member (2004-2007)

d. Activities: Varsity Girls Basketball Team, Four Year Charter Winner; Pi Beta Phi Fraternity, Board Director (2006-2007) and Member (2004-2007); University Chapel Choir, Member (2004-2007)

4. Do I need a separate section for Study Abroad?

Nope! Studying abroad is part of your university education. It can be a bullet point, or if you want to emphasize it because of your international interest or language ability, you can put it in bold. Do not leave a space between your college degree section and the study abroad section, unless you need to fill in the space.

Bullet format example:

[end of undergraduate section here]
• Third year semester at the University of East Anglia, Norwich, England (1993)

Example of bold section in undergraduate section:

[end of undergraduate section here]
Reid Hall, Columbia University, Paris, France

Summer 2003 Study Abroad (Courses: 19th Century French Painting, French Language)

5. How long should the Education section be?

Unless you’ve already earned five different degrees from five different schools, your education section should generally take up a maximum of one-third of a page. This means it’s important to get experience to put on your resume and not rely on your education to get a job!

Implementing these five tips will give you a great start to your Education section, making it efficient and effective.

Lifestyle Fashion

gemstone sapphire

Sapphire is a precious gemstone that belongs to the corundum family. Corundum is a mineral name given to crystallized aluminum oxide (Al2O3). Pure corundum, which is very rare, is perfectly colorless, and as such colorless sapphire is equally rare. Small amounts of metallic impurities (especially iron and chromium) in the crystal structure of corundum give rise to many color variants in the gemstone.

A blue corundum gemstone is simply called a sapphire.

Gems of other colors are listed with their color as a prefix. For example, yellow sapphire, pink sapphire, etc. Two other color varieties have been given different names, the Ruby red and the orange-pink Padparadscha.

These gemstones are even more attractive mainly because of their attractive colors, rich history, and the metaphysical qualities attributed to them. Legend has it that the tablets bearing the Ten Commandments were made of sapphire. Ancient kings wore sapphires around their necks as a defense against harm, to ward off evil, and to acquire divine favors.

The ancients thought that the energy of wisdom is contained within this precious gemstone. They believed that the power of the stone allows the user to discover correct solutions to difficult problems.

The sapphire has been symbolic of the heavens, protector of innocence, and imparted with loyalty, sincerity, and truth. The ancient Persians believed that the earth’s crust rested on a huge sapphire, whose luminosity reflected the coloration of the sky at sunset.

The word sapphire comes from the Latin word sapphirus which simply means blue. Ruby is derived from the Latin word ruber which means red. The name corundum is derived from the Sanskrit word kurivinda.

In ancient times, all gems were thought to grow and ripen with seasons of transformation similar to the fruits of a tree. Starting out as white, the gems matured and became perfect as the sun shone. The deep red stones were considered to be fully mature, while the paler stones were considered plucked from the earth too early. The beautiful ripe red stone (ruby) was called Kuruvinda in the ancient Indian language of Sanskrit. The phrase corundum stems from this ancient Sanskrit word and encompasses all gems made of crystallized aluminum oxide (Al2O3) together with ruby.

Although the most widely recognized coloration of sapphire is blue (ranging from deep medium dark violet to purplish blue), this gemstone comes in almost every other shade, including yellow, orange, white, pink, and purple.

Along with its color, its area of ​​origin has a great effect on a sapphire’s value. The most valuable and magnificent sapphires that are deep blue in color with a hint of violet come from the Kashmir region of India.

Sapphires that come close to Kashmir sapphires in color tones are those from Burma (Myanmar).

Pinkish orange sapphires from Sri Lanka (formerly Ceylon) are known as Ceylon sapphires. They are also predominantly known as ‘Padparadscha’. Padparadscha sapphires are characterized by an orange hue with a fine pink undertone, comparable to that of a ‘lotus flower’ that represents their name.

Australia is another major source of sapphires which are especially deep velvety blue in color and inky dark in appearance. Some more recently found sources of sapphires are Madagascar, USA (Gem Mountain and Montana), Brazil, Tanzania, and Cambodia.

The history of treating a gem to improve its color, clarity, etc. it is as old as the gem trade itself. One of the earliest references to gem treatments is found in Pliny’s History of the World. It is customary in the gem trade for almost all gems to go through some form of treatment or another. The clarity and color of a sapphire are significantly improved by heat treatment.

If you want a sapphire whose color is natural, insist on a report from an established gem testing laboratory such as the AGTA Gemological Testing Center certifying that the stone shows no evidence of heat alteration. But you also have to be prepared to pay a premium for the pleasure.

Deep medium dark blue is the most sought after color for blue sapphires. The value of blue sapphires is determined based on the purity of its primary tone. Purple, violet, and green are the minor hues naturally found in blue sapphires. Violet and purple hues are considered positive and add to the overall beauty of the sapphire. On the contrary, the green hue is definitely considered negative and depreciates the value of the sapphire. Blue sapphires with less than fifteen percent violet or purple hues are considered to be of good quality, but even a trace of green can make them inferior in quality.

Yellow and green sapphires are also frequently found.

Chromium content imparts a pinkish hue to sapphires, and the pink color deepens with increasing chromium content. The value of the sapphire increases with the deepening of the pink color, as long as the color intensifies towards the red of rubies.

Certain rare color changing sapphires show different colors in different lights. The blue of the exterior light changes to purple in an incandescent interior light. Pink in daylight turns greenish under fluorescent light.

The value of the sapphire depends on its color more than anything else and even small variations can alter its value considerably. A sapphire should be vivid, pure and highly saturated medium to medium dark in tone without any shade of gray or brown. Sapphires that are too dark or too light are not highly valued.

All sapphires are found in nature with inclusions, although in rare cases a sapphire can also be clean. Even valuable sapphires can carry inclusions, and absolutely clean gems make them suspect.

Sapphires with inclusions of tiny rutile needles exhibit an optical property called asterism. This is the star-shaped effect seen in star sapphires and is usually only seen in cabochon cuts.

Parti sapphires are beautiful Australian beauties and the best examples are exclusive to Australia. They show yellow and blue colors and depending on the facets they also cast the green color. Due to the natural mix of colors, Parti sapphires cannot be manufactured synthetically and offer their owner an exclusive gemstone that is guaranteed to be natural.

A highly prized Parti sapphire is the “Eye of the Pharaoh”. The Eye of the Pharaoh is a blue crystal with a yellow core. The gem is so cut that the culet (bottom) of the stone is centered on the yellow core and the crown (top) is on the blue. This is a truly spectacular stone.

With a hardness of 9.0 on the Mohs hardness scale, sapphires are the second hardest natural mineral after diamonds. They go well with all styles of jewelry and, due to their hardness, are suitable for everyday wear.

Sapphires look wonderful in engagement rings, right hand rings and also in pendants around the neck. Sapphires come in a wide variety of colors, as well as a wide range of prices, from affordable to exclusive. Therefore, sapphire jewelry can go with all kinds of outfits, all kinds of occasions, and can fit into any class.

Sapphire is the original “true blue” and the gem of loyalty. In ancient times, the gift of a sapphire was a promise of trust, honesty, purity, and loyalty. This belief makes sapphire the preferred choice for engagement rings.

To preserve the brilliance and fire of a sapphire, it is essential that you clean it regularly. The emphasis is on regular cleaning. You can do the cleaning with mild detergent or soap and warm water. Scrubbing can be done gently with a soft toothbrush.

It is also worth disclosing here that artificial sapphires today are made in the laboratory. These man-made sapphires are similar to natural sapphires in every way, except that they do not have the flaws or inclusions seen in natural sapphires. They are also available in a much lower price range.

Pets

Information on Divorce, Dissolution of Marriage, Legal Separation and Annulment in California

Going through a divorce is arguably one of the worst things you will ever go through in your life. Emotionally, going through a divorce is analogous to going through a death in the family. The proper term for a divorce in the state of California is “dissolution of marriage.”

The difference between a divorce and a legal separation is that in a divorce, the formal paperwork for dissolution of marriage has been filed with the court to end the marriage, while a legal separation can occur by filing paperwork for legal separation with the court, or by one of the parties to a marriage who decides to separate with the intention of permanently ending the marriage. It should be noted that a legal separation can occur even if the parties still live together.

The difference between a divorce and an annulment is that in the case of an annulment, the marriage is null, voidable, or not legal from the start. In most cases it is much more difficult to obtain an annulment than a divorce.

A divorce involves the legal termination of a marriage by court order. A divorce is not final in California until an order is issued by a court of competent jurisdiction that the marriage has ended.

In California, there are two types of dissolution of marriage proceedings available; (1) Summary dissolution of marriage, and (2) Standard dissolution of marriage. Most marriages will not qualify for the summary dissolution of marriage procedure that is available in California.

Marriages may be contested, uncontested, or in default when one party cannot be located or refuses to participate in the proceedings.

California is one of the so-called “no-fault” divorce states. The most common reason for filing for divorce in the state of California is irreconcilable differences. A party can also file for divorce on the grounds of death or insanity.

The most common issues involved in a divorce case in the state of California are: dissolution of marriage, child custody, child visitation, child support, alimony which is actually known as spousal support in California, child support family, division of community property, determination of separate property, the division and/or adjudication of community businesses, and the division and/or adjudication of retirement plans.

Due to the complex nature of family law litigation in the state of California, we recommend retaining an attorney to represent you. Our law firm can represent you in your divorce proceedings and all matters related to it. Our law firm can also provide you with limited representation regarding certain matters related to your family law case. We can even do the document preparation for you if you decide not to hire an attorney. You can call us now for a free consultation at 818-739-1544 extension 10.

By Norman Gregory Fernandez, Esq. © 2006

Real Estate

5 reasons why investing in property in Hull will create wealth

This article aims to educate the reader on the 5 fundamentals of professional property investing specifically focused on the city of Hull in the East Riding of Yorkshire.

The topics discussed

  1. take advantage of
  2. Return of investment
  3. Rental Demand
  4. stress tests
  5. Escape strategy

take advantage of

When investing in property, you can benefit from borrowing from the bank using the power of leverage. Typically, a buy-to-let mortgage requires you to put down a 25% deposit and the bank will provide the remaining 75% of the purchase price of the property. Where else can you get them to do that? Banks will lend you money to buy property. They are less likely to lend you money to grow your business and they definitely won’t lend you money to buy stocks and shares. They understand that property remains a safe asset despite what the media says. To show you the power of leverage, we’ll show you an illustration. You have 100,000 to spend on an investment property. The following scenarios show how you can spend that money

Scenario 1: Buy 1 property worth $100,000 with all your cash

Buy 1 house without a mortgage. Deposit 100K and buy the property directly. The following year, inflation raises the price of that property by 5%. The property is now worth 105K. You now have a property worth 105K and 5K equity in that property.

Scenario 2: Buy 4 properties each worth 100K with a mortgage on each

You put an initial deposit of 25,000 on each property and a mortgage on the remaining 75,000, spending all of your 100,000 on 4 properties, not just 1 property this time. The following year, inflation raises the prices of that property by 5%, the same as in scenario 1. Each property is now worth 105,000. However, you now have 4 of them, so benefit from the 5K equity in each. So you now have 20K equity instead of the 5K in scenario 1. You have still spent the same amount of money but you have benefited from the leverage of the Bank’s money.

2-3 bedroom properties in Hull can be purchased for between 40-100K. They offer an excellent opportunity to leverage your cash

Return of investment

The return on investment is defined below.

Return on investment = Gain on investment – Cost of investment / Cost of investment

In basic terms, how hard your money is working for you. You can choose to invest in a new business venture, stocks in the stock market, or property. Each channel of wealth creation has its own return on investment along with its associated risk. As a professional investor, you need to weigh your risk appetite against the potential return on your investment. Let’s review the 2 leverage scenarios and examine the return on investment

Scenario 1: Buy 1 property worth $100,000 with all your cash

The return on investment (ROI) is 5%, for example, 5K/100K

Scenario 2: Buy 4 properties each worth 100K with a mortgage

Return on investment (ROI) is 20% eg 20K/100K Hull is a great place to start your real estate investment career due to the great return on investment. The reason is that property prices in Hull are among some of the cheapest in the UK. Therefore, the cost of your investment is lower. This means your money can’t just go further, ie. You could buy more properties, but each of those properties will go up in price, and if you’ve leveraged your investments with mortgages, your return on investment will be even higher.

Hull offers a better return on investment than more expensive UK cities because property prices are lower

Rental Demand

Of course, an investment property only becomes an asset if you can rent it out. If you can’t, that asset quickly becomes a liability. A quick reminder about the definition of assets and liabilities

Active = Puts money in your pocket

Responsibility = Take money out of your pocket

Therefore, to ensure that your investment property remains an asset, you must be sure that it is located in an area of ​​high rental demand. Hull is a hidden gem of a city. It is the gateway to Europe through the ABP and P&O Ferries ports and therefore has a driving export/import industry. Siemens is to locate a large wind turbine manufacturing plant there to cement its status as a center of excellence for renewable energy technology. It is well served by the M62 and has a large manufacturing base. The Deep, the UK’s only submarium, has also established itself as a tourist destination. The University of Hull continues to grow and has a healthy student population of around 25,000. However, due to relatively low wages in the region, the affordability of buying a home is low. Consequently, this has led to a high demand for rental properties.

The following postcodes in Hull are great rental areas. HU5 is closed to the University for students. HU7 and HU9 are ideal for families.

Financing offers

If your goal is to own 10, 20, or 30 properties and supply the deposits for each one, you’ll soon run out of your own cash, so how do the pros do it? Well, the answer is other peoples money (OPM). They buy their properties at the right price. Money on property is earned when you buy the property, NOT when you sell it. Buying at the right price, meaning below market value or BMV as it’s called, allows you to refinance with the mortgage lender at open market value and withdraw most of the cash from your deposit. This allows you to recycle your cash pot to purchase another property. However, in this market, the Mortgage Lenders Council has imposed a 6 month rule that prevents you from remortgaging unless the property has been held for at least 6 months. If you can demonstrate added value, then you have a better chance of achieving the valuation you want. On average, property prices double every 11 years. This means that a 100K property is worth 200K in 11 years. When you sell this property, you pay off the original 100K mortgage and then make a profit of about 100K. This means that if you bought 2 properties, you can sell one and pay the mortgage on the other and still have 1 property with cash flow without a mortgage. Using this principle, it can be expanded to any number of properties you wish to purchase. Getting a mortgage can be difficult in this current economic climate, but it’s not impossible. The money has not disappeared. It’s just in different places. The trick is finding the people with the cash.

buy cash

Some properties in need of renovation in Hull can be bought for as little as 20K. This means you have to buy them in cash, as mortgage providers generally won’t lend below 40K. It also means you can move quickly and not have to involve mortgage lenders and appraisers in the purchase. Once you’ve renovated the property, you can have the property appraised by an appraiser in order to place a mortgage on it and get most, if not all, of your cash back.

Deposit Financing

You can help people with cash earn more than they get at the bank by offering them a higher interest rate for borrowing their money to finance a deposit. You can then return your money after refinancing.

mortgage host

If you can’t get a mortgage, find someone who can and offers to share the cash flow of a property. Get a lawyer to draft an agreement between you and the host. Because property prices are relatively low in Hull, you are more likely to find investors willing to lend you 10-15K for a deposit. The risks are reduced as the amounts borrowed are smaller. Once you have made 1 deal with an investor and made them more money, they will be happy to make another deal with you.

Hull property prices are low, leading to less risk for cash investors when financing a deal.

stress tests

With any of your investments, we recommend that you stress test your investments at higher interest rates. While we enjoy historically low interest rates, it’s tempting to buy into many real estate deals. However, interest rates only have one way to go and that is up. Prove that your investment still produces cash flows at higher interest rates so that it remains an asset and not a liability.

Test your investments at higher interest rates. Hull investment properties maintain positive cash flow at interest rates of 8-9% at current rental values.

Escape strategy

With any investment, it is vital that you know your exit strategies. With an airplane, knowing where the exits are is vital in an emergency. Similarly, with investing, you need to know where your exits are in order to get out of the investment deal in an emergency.

sell your investment

If for any reason you need to get out of an investment, you can sell a property. The properties that will be easiest to sell will be the most popular type in that area. If you own an expensive, executive single-family home in a desirable area, the number of buyers is reduced and limited to residential buyers. However, if you have a cheaper investment property, you can sell it to both investors and residential buyers. This is important when considering your investment.

Know at least 2 exits when entering into an investment deal. There are many investors in Hull and due to low prices they are also affordable for residential buyers.