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Montréal's most successful Lifestyle Magazine serving areas- Baie D'Urfe, Beaconsfield, Chateauguay, Côte-des-Neiges, Cote St-Luc, Dollard des Ormeaux, Dorion, Dorval, Hampstead, Hudson, Ile Bizard, Kirkland, Lachine, Lasalle, Lazare, Laval, Montreal West, Montréal, Mtl-West, Notre Dame de Grâce, Notre Dame de l'Ile Perrot, Outremont, Pierrefonds, Pointe Claire, Roxboro, Senneville, Snowdon, Ste. Anne de Bellevue, St-Lazare, Vallyfield, Vaudreuil, Verdun, Ville St Laurent, West Island, Westmount.


Buying Diamonds: Selecting the Best Company

Denny Reinke: Diamond shoppers today have more choices than ever on where to buy their diamond engagement ring, diamond earrings and other diamond jewelry items. However, with greater selections come bigger potential risks and rewards. You need to do your homework and understand how to select the best company for your diamond purchase.

The retail diamond market is comprised of three broad categories of diamond sources; jewelry stores, ecommerce diamond companies and diamond brokers.

Jewelry Stores

Until recent years, jewelry stores were the only option for most diamond shoppers. This was especially true for smaller towns and rural areas. These stores had a monopoly, much like Ma Bell with the phone systems during most of the 20th century. Jewelry stores were the only game in town and could set their prices at whatever markup they wanted.

Jewelry stores depend on impulse buying so they focus on having a selection to pick from, name recognition through extensive advertising, and being convenient so shoppers can walk in and make a purchase with no education or knowledge of the product. If it looks nice to an impulse buyer, they will pull out the credit card and have it gift-wrapped. To attract the impulse buyer, jewelers built elaborate stores with polished marble floors, expensive display cases, and lighting that makes everything in the store sparkle.

To pay for the stores, the decorations and all the expensive advertising, jewelry stores must maintain high markups on the items they sell. The more expensive stores have bigger inventory, higher rent and more advertising, which dictates the higher markup necessary to pay for all that overhead.

E-Commerce Diamond Retailers

The online shopping cart of hundreds of jewelry retailers has been one of the big growth areas for e-commerce. Shoppers can shop from the convenience of their home or work computer, look at the pictures of thousands of jewelry items online and place their order without ever talking to a human. E-commerce diamond retailers provide a list of diamonds owned by groups of wholesalers and let the shopper pick the diamond they want based on the specifications in the list. The shopper pays for the diamond in advance and then the wholesaler or the retailer ships the diamond to the consumer. Read more

Titanium vs. Gold,Silver and Platinum

Scott Murff: Either you are buying it as a gift or for yourself, there are many reasons why titanium jewelry can be a better choice than jewelry made in traditional precious metals like gold, silver and platinum.

Firstly, titanium is highly corrosion resistant and therefore does not tarnish easily. Especially for high-polish finished jewelry like gold and silver wedding band rings, it is expected that the jewelry will lose its color and shine over time. Even if they are stored properly in jewelry boxes or safe, the oxygen in the air reacts with the metals and turns the color. This process is of course accelerated if the jewelry is worn daily because the sweat combined with body temperature, acts as catalysts to the chemical process.

Also, titanium is hypoallergenic, which means that very few people have skin that is sensitive to it. People who are allergic to gold, silver or, more commonly, nickel, which is found in most gold and silver jewelry, don’t have to worry about outbreak when wearing jewelry made from titanium and its alloys.

A widely known property about titanium is its durability. It is this attribute that makes it perfect for active individuals who frequently engage in outdoor activities, even water sports. It is not uncommon that people find their gold or silver jewelry damaged, or even lost, after a day of exciting outdoor events. These disappointments can easily be avoided if titanium jewelry is worn instead. Read more



The Importance of Diversification

Johnson, George :“Don’t put all of your eggs in one basket!” You’ve probably heard that over and over again throughout your life…and when it comes to investing, it is very true. Diversification is the key to successful investing. All successful investors build portfolios that are widely diversified, and you should too!

Diversifying your investments might include purchasing various stocks in many different industries. It may include purchasing bonds, investing in money market accounts, or even in some real property. The key is to invest in several different areas – not just one.

Over time, research has shown that investors who have diversified portfolios usually see more consistent and stable returns on their investments than those who just invest in one thing. By investing in several different markets, you will actually be at less risk also.

For instance, if you have invested all of your money in one stock, and that stock takes a significant plunge, you will most likely find that you have lost all of your money. On the other hand, if you have invested in ten different stocks, and nine are doing well while one plunges, you are still in reasonably good shape.
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Financial Articles
The Importance of Diversification
Retirement is easy, right? You just stop working and everything else will be fine. I call this the "Homer Simpson Myth." Doh! It just doesn't work that way, Homer!
(Stocks) Steal Warren Buffet's Stock Market Lesson Plans?
Why should you want to steal someone else's stock market lesson plans? First, let me tell you that a trading plan is only useful if you follow it. Following your plan will make you successful, yet many traders circumvent the stock market lesson plans that they have carefully created.
The Truth About Gold Jewelry
Without a doubt, Gold is one of the world’s most precious metals. It is also a certainty that gold enjoys an unsurpassed popularity as a medium for jewelry expression.
Buying Diamonds: Selecting the Best Company
Diamond shoppers today have more choices than ever on where to buy their diamond engagement ring, diamond earrings and other diamond jewelry items. However, with greater selections come bigger potential risks and rewards.




 

 

 

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CIBC- Aaron Ostrega, Investment Advisor Montreal Financial investments West island Montreal Home based business