The Alexander Report

By Ajeet Khurana

Cost and quality are the many concerns of any jewelry buyer. Very often we don’t want to lose out on quality just to save a few dollars. Unless you have been saving money for a long time, loans are a great way to finance large jewelry purchases. Today, many jewelry stores offer financing and unsecured loans on site, and many banks also are currently offering lines of credit specifically geared towards diamond purchases. Here you will find out what kinds of unsecured loans shall be available to you in the jewelry business.

The first kind of unsecured loan is a revolving account and it works in a fashion that is very similar to a credit card. You will probably get a card that has the store logo and information on it with your account number. You will be able to make minimum monthly payments against the balance of the cost of the purchase over a specified time period. Generally this is around 36 months or 3 years. You may have to put a minimum down payment on the jewelry and you can expect this to be around 10$ of the total cost of the purchase. Put as much down as you can upfront, this will decrease your overall balance from the get go. Here your monthly payments will depend on the amount that is still pending, and how much you put down. Good qualifiers for this kind of loan would be good credit history and limited cash flow. If you think your history may prevent you, you might have to get a co-signer. (more…)

By Francisco Rodriguez

Lets first categorize jeans into a simple two star, four star and six star rating, classifying two star as those jeans that fall in the price range of more than $50.00, but less than $100.00, next four star jeans 150.00 to 400.00 and six star anything above 400.00 and we can add the Gold star those jeans that nobody can afford and our more couture or custom made for sports, celebrity or recording stars.

So I mentioned in my first article that one can become addicted to fashion especially luxury jeans. Well to those addicted I hope this article sheds a little light as to why you pay what you do.

It all comes down to status yes jeans have become a status symbol in our casual world of today, accepted in our every day attire, formal wear, and even business environments. It has become a highly recognized commodity maybe so much so as a Rolex, Mercedes-Benz, or any other status symbol that lets the world know you have arrived.

To the educated consumer they can pick out a pair of premium denim and distinguish it from a copycat or a trend follower by its feel, look and fit. So you ask yourself but are we paying for something more than just jeans when we purchase the high-end denim brands are we getting more value from those four star jeans vs the two star?
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