Valued at $46.2 million, the Graff
Pink diamond is one of the most expensive pieces of jewelry in the world. Your
jewelry box might not hold anything that priceless, but you certainly want to
insure your valuable or sentimental pieces, including the diamond cufflinks you
wore at your wedding or your grandmother's ruby brooch. November is Real
Jewelry Month and the perfect time to make sure your necklaces, bracelets,
rings and other real jewelry are insured.
1. Hire an Independent Appraiser
An independent appraiser will carefully and thoroughly inspect each piece of
jewelry you own, and he or she will then determine the exact value of your
works of art. Be sure to obtain a signed document that includes a detailed
description and appraiser's value for each piece.
2. Check Your Current Insurance Policy
Most homeowner or renter insurance policies include cash value or replacement
coverage for personal belongings. As long as that figure is high enough to
cover everything you own, including your real jewelry, you're set.
3. Purchase a Rider
If your current policy does not cover your valuable gems, purchase a rider. It
offers additional coverage for your precious collection.
4. Take Pictures of all Your Pieces
The police need detailed descriptions of your jewelry if a piece is lost or
stolen. Take detailed pictures of each piece to increase the likelihood of
5. Update Your Inventory Regularly
Once you're sure your jewelry is adequately insured, mark your calendar for an
annual inventory review. Add new pieces you recently purchased and remove
pieces you sold or gave away to ensure your collection is completely covered.
6. Inspect Your Jewelry
As part of your annual review; take your jewelry for an inspection. The jeweler
will look for loose settings, chips or scratches. Take new pictures after any
needed repairs are made.
7. Store Your Jewelry in a Safe Place
Insurance will replace your real jewelry if it's lost, stolen or damaged, but
don't take chances. A fireproof safe hidden in your home or a safety deposit
box at the bank protects your gems, especially if you own expensive pieces that
you wear only on rare occasions.
You do not want to file a claim for stolen jewelry and find out it wasn't
insured. Follow these tips and talk to your insurance agent today as you
protect your valuable collection and celebrate Real Jewelry Month.
For centuries, drum therapy has
helped individuals and groups get healthy. November is International Drum Month
and the perfect time for you to embrace this beneficial health tool.
When you experience chronic stress, you also experience muscle tension, stomach
ulcers and other physical health challenges. You deserve a better life. Pick up
your drum and reduce stress in just a few minutes. Then, practice drum therapy
regularly as part of a stress-free lifestyle.
Panic attacks and anxious thoughts can cripple you. Combat these emotions with
drum therapy. It distracts and relaxes you as your anxiety flows through your
arms and hands into your instrument.
Follow your doctor's advice about pain management, and ask him or her about
adding drum therapy, too. It releases endorphins, your body's natural
painkillers. Drums won't cure the source of your pain, but they will help you
Whether you're angry, sad or lonely, drum therapy turns your mood around. Pound
on a drum at home or in a public space and you'll feel better emotionally.
In addition to mental health benefits, drum therapy increases your body's
immunity. Along with regular hand washing, use drums to avoid illness this
Good friends improve your attitude, reduce loneliness, inspire you to greatness
and add fun to your life. Connect with others in a drum circle, and build your
network of positive friends.
When you have trouble sharing your deepest thoughts and feelings, pull out your
drum. Start playing a rhythm that feels right to you. Mix soft, loud, quick and
slow beats as you personalize your playing. There's no right or wrong way as
you use this form of self-expression to release your inner voice.
Whether you use a spatula and pan from the kitchen or set up a professional
drum set in the garage, add drum therapy to your medical treatment plan during
International Drum Month. It provides numerous health benefits that partner with
your doctor's advice and medication to help you stay healthy.