7 Tips For Buying Swarovski Bridal Jewelry

Swarovski bridal jewelry has been a popular choice for a lot of women today. A reason for this is that Swarovski crystals just looks cool and fantastic because of its one of a kind glimmer and shine. So it’s no wonder that so many people just find themselves highly likely to buy this type of crystals. If it’s your first time to purchase Swarovski then you might just find it much better to do so using these useful tips:

1. Be familiar with different Swarovski crystals and know which one you would like to buy. It can be very unnerving to find that there are so many options out in the market. You can begin by searching up online and looking for the different types and make of Swarovski crystals that you can purchase.

2. Look for a reliable seller. The last thing you want is to find a person who will not be able to give you the right and authentic crystals you so want to purchase. Research about how authentic the seller is and you should also take time to look at the person’s comments and reviews page. Check what other people has to say about this person as they have made transactions with him or her. The more comments you find, then all the more better.

3. Check out the payment options. If you are buying your crystals online then it would be best to do a quick look at the site’s overall look and feel. This is a great way for you to understand just how much reliable the site is when it comes to making transactions. Don’t forget to check the security measures being used onsite or else you might end up making an unnecessary risk.

4. Have a budget before looking at the market or better yet, start with canvassing for prices first. Although Swarovski crystals are generally much less expensive than other precious gems, it is still a precious stone and as such would be more pricey than what you would have expected. So as soon as you get to finish making your canvass it would be easier for you to budget your money so that you can buy the perfect Swarovski crystals that you want.

5. Pair up your crystals with the occasion. This is a great way for you to be able to trim down your choices. Think of the actual reason why you decided to buy Swarovski in the first place and from there, you can think about better choices much easier.

6. Look for classic colors and designs. On way you can enjoy your Swarovski crystals much better is if you get to choose designs that are almost all-around. This simply means that it can be used for different occasions. It would be best to have a design that you can wear even after the wedding is over so that you can really stretch its usability.

7. Get the opinion of a designer. If you are having your gown made through couture, it would be wise to consult them about these crystals too.

5 Things You Must Do Before Traveling Internationally

Traveling is my passion and I enjoy it a lot. So, whenever I go for a trip, I always feel like a dream and I would like to live like a dream. It is very exciting to travel in different-different countries. So, when you travel to the new country, you must take care of lots of things. Therefore, each and every time I go for a trip, I do take care of certain things that will help me to travel worry-free.

So, I am here with several travelling tips and tricks which will help you to be ready to encounter anything happen to you when you are wandering away from your home. Let see these major things that you must take care before heading to the trip.

1. Check your passport and visa date

Traveling to the foreign country is not easy. There are different rules in every country regarding the visa. Well, most of the countries need your passport must be valid for six months after your return date. So, you must check the expiry date of your passport as well as visa. If the date is expired, then your whole trip would get ruined. If all set, then do not forget to make copy of your passport and visa to keep it as a security.

2. Money Matter A lot

Money is the major things that every traveller must take care before going to any trip whether out of the country or to the same country. If you are planning to the foreign country, then make sure that you have complete math of your home country and the other countries currency conversation knowledge. You must also conform to your bank that your credit card will work in the country you are visiting and tell a bank that you are going to another country so they cannot block your cards. One more thing is that always keep local cash with you because not everyone accepts credit cards.

3. Do Advanced Packing

Whenever I go for a trip, I always carry few extra pair of clothes. It helps to ready for the situation of any luggage lost or if the trip extends for a few days. Alongside, you can also get the best anti-theft backpacks to keep your money, expensive smartphone or camera, passport, visa and something else safe. If all set, then keep in mind that how much luggage the airline will allows you to carry. Travelling outside of the country is fun, but the eating junk food may harm your health. So, it would be a good idea to carry some snacks form your home country.

4. Go With Good Gadgets

If you are planning a long trip, then you should also take care of all electronic devices that you are bringing along. Well, the smartphone is one of the most important gadgets which help to get in touch with your friends and family while traveling out of the country. So, do not forget to carry power bank and charging cable so that you could not face any low charging situation. Furthermore, do not forget to contact your network operator regarding the international calling charges and compatibility. Along with that, you should take care of other gadgets like camera, headphones, dryer and more while traveling.

5. Plan Your First And Last Day

Another most important thing that every traveller must do is make a perfect plan for the first and last day of the trip as these two days are only mattered a lot to you. At the first, you could enter in to the new place where everyone is strange. So, make a plan to get into the hotel safely where you are staying. Likewise, do not forget to make a schedule for a whole trip and of course for a last day as well. So, at the end of the trip, you would keep all your documents, gadgets, cash, cards, IDs and key safe while departing the country.

Conclusion

Well, these all are the foremost things that I do take care whenever I plan a holiday with my family and friends. I bet you won’t get in any difficulty if you have taken care of aforesaid tips while traveling abroad. So, be always a prepared and happy journey!

How Closing Accounts Can Kill Your Credit Score

One of the major factors of how your credit score is calculated is your capacity. This is the ratio of credit used to the amount of credit that is available. This accounts for 30 percent (almost a third!) of your credit score. For example if you have 5 credit cards with a $1000 limit and you have 3 of them maxed out and 2 of them inactive your capacity would be at 60 percent, $3000 of your $5000 total credit limit. This is not good in the eyes of the lenders and your credit score would suffer because its ideal to be at 10 percent of your capacity.

Remember a credit score is a formula measuring your ability to pay back your debts and obligations. If you have a high capacity and little room left for your maximum then your ability to pay back your obligations is viewed as more limited.

So in the example above, lets say you decide to close the 2 inactive cards for whatever reason. Nowadays, the credit card companies will charge a fee to inactive cards so a lot of people are now closing their inactive accounts. Well unfortunately, they are killing their credit score. If you are maxed out on three cards and you close the other 2, guess what, you are now at 100 percent capacity because your total credit limit is now $3000 instead of $5000. I know from personal experience this will cause your credit score to plummet.

My advice? Don’t close your inactive cards. Use them once a month, maybe for gas, or treat yourself to a latte from Starbucks. Then pay them off immediately so you don’t incur any interest. Do what you can to pay off the cards that are maxed out, or at least get them down to where your balance is under 10 percent of the limit. If you can, try to transfer the balance to a lower interest card, so it can save you a few bucks on the interest. This strategy is sure to improve your credit score because capacity is a major factor, and if your capacity improves, your score improves.

Asking your bank for a credit limit increase on some of your cards isn’t suggested nowadays, this is a strategy that old credit repair people recommended but in today’s economy with the credit crunch, it prompts an account review, which for some quirky reason, may cause the banks to LOWER your credit limit. This would damage your capacity as well.

You are already disciplined enough to not spend on two cards. You are unique in today’s credit crunch world, use your discipline to your advantage, don’t close your accounts. You will be doing more harm to your credit score than good.

Great Weight Loss Solution – Lap Band Surgery

We face lots of problem in our life but overall life is beautiful. The way of living and food what we eat directly affects our body. Unhealthy eating and irregular life engender a new problem regarding health. Obesity is one of the common health problems. Obesity is really a great problem in itself and also welcomes other health problems like heart attack, diabetes, hypertension, cerebrovascular accident, myocardial etc and some time death. To live life happily we should first try to get rid of this disease-obesity. This is not the new problem. It is very old one. There are many solutions for obesity and tried by many obese people but ultimate result is only few of them get the real advantages from those solutions. In addition solutions are also not suitable for everyone and demand your full effort. Over all, there is one best weight loss solution which has ultimate good result in a little pain, efforts and for long term.

Lap band surgery is that ultimate solution which provides great relief from obesity in little pain. In this lap band surgery a laparoscopic adjustable gastric band (Lap band), an inflatable ring type device is implanted via surgery by surgeon to tie the stomach and to divide it in to two parts. Uppermost part is tie to form a small pouch. Theory behind dividing the stomach is, by doing so surgeon try to limit or control your food intake in order to decrease your obesity. Lap band device limits the ingestion of food in to stomach and also control the ejection of food in to small intestine. It reduces the stomach functionality. That’s why you prolong the period of fullness. You feel full in small amount of food for a long time and thus you can reduce your morbid obesity. Lap band device is made up of silicone elastomer to make it biocompatible.

In this surgery there is no need of cut and staple. Only small incisions are made on your abdomen to insert lap band. You feel no pain. The whole lap band surgery procedure takes less then 1 hour. It is done on an outpatient basis under a general anesthetic. Mortality rate of this surgery is less than 1%. Generally patient spends about 24 hours in hospital. You may require some week in recovery. After 1 or 2 weeks you can perform your all general activities including going to work and after 6 week you can do exercise.

Before having a Gastric lap band surgery, meet with the surgeon to know whether you are an eligible candidate or not. Once surgeon suggests you for this surgery then you can proceed with pre-operative test. After surgery you have to follow some post-operative diet plan given by surgeon. Strictly you have to follow that diet plan otherwise you couldn’t attend or achieve the goal to reduce obesity. If you really want a good result from this surgery then you have to make your mind to follow all these. In 18 months (approx) you can lose approx 50 to 60% of your weight. You can adjust your lap band anytime in future. Surgery has some side-effects also like slippage of band, lap band erosion, vomiting, nausea, Band leakage, Reflux, Difficulty swallowing, Enlargement of stomach pouch or band slippage, Dehydration, No weight loss, Blockage of stomach outlet, Gas bloat, Nausea, Constipation, Ulceration, Weight regain, Gastritis, In extremely rare cases death. But you can control these side-effects by taking proper care. Take full advice from your surgeon and then go for it.