Different Types of A Financial Calculator To Choose From

If you are making some financial goals for the future, whether it has to do with your mortgage, investments, car loans or even managing your debt, being able to calculate things like your returns, the time period for which you need to save or how much you need to save is important.

With the various resources now available to you via the internet, you no longer have to wait on a meeting with the experts to give you the information you need. Instead, you can now use the resources available to you online to get started today.

One of the most important resources that you will find online as it relates to planning your financial future is a financial or money calculator. There are many different types available, and so you will need to choose the one appropriate to you based on your area of interest.

Mortgage Calculator: This calculator can be used to determine your monthly payments based on the interest rate and terms of your mortgage. As a result, you will find that there are different versions of this calculator available. There is a calculator for fixed mortgages and also one for adjustable rate mortgages. There is even a calculator that will help you to compare the two different types of mortgages to see which will suit you best. In addition, if you are thinking about refinancing or buying a new home, there is a mortgage calculator that will help you to determine the terms which will be most favorable to your situation.

Car Loans: This calculator will help to give you the confidence you need when dealing with the dealer of your car financing. You can use this calculator to check the terms of your loan and determine your monthly payments. In addition, you can also use the car loan calculator to compare various loans and choose the one with terms most appropriate for you.

Credit Cards: Today many persons are consolidating their credit card debts in order to pay off their credit card loans faster and also to be more consistent. You can use this type of financial calculator to help you determine the amount that you will need to pay in order to complete the payment of your credit cards by a set date. You can also use this calculator to help you see the difference it will make if you choose to make fixed payments to your credit cards instead of just paying the minimum amount.

Investing: If you are thinking about investing or have started to do so, financial calculators will help you to determine the amount you need to save in order to reach your goal. It can also be used to determine the amount that your investment will earn over time.

There is also a calculator for retirement planning, managing your debt and your personal finance. Basically, any type of calculator that you need to plan your financial future can be found online. The calculators are also very easy to use and most of all they are free.

Differences Between Damask, Brocade, and Jacquard

Often times, uneducated individuals use the terms damask, brocade, and Jacquard interchangeably with one another. It can often confuse those who are unfamiliar with the world of fabrics. Jacquard is a decorative or woven pattern that is created by using a Jacquard attachment on a loom. The attachment resembles the punch card on a piano. It is purported to offer better versatility and fabric control for the operator of the loom. The Jacquard technique can be applied to a variety of fabrics, and it is commonly used on brocade and damask fabrics. It is commonly used in a variety of apparel and home goods, from tablecloths to bedding.

Brocade is defined as a lavishly decorated, shuttle woven fabric. It is primarily woven from silk; although, it is possible to find brocade constructed from a blend of silk and synthetic fibers. Often, it will be embroidered with gold or silver thread. Brocade can trace its origins back to India, where weaving is a traditional art form. It is typically woven on a loom, and it may or may not be woven using the Jacquard technique. It is also characterized by the manner in which the brocaded or broached parts of the fabric hang in loose groups or are clipped away. Although the scenes and patterns on brocade appear to have been embroidered, the scenes are actually woven into the fabric using advanced weaving techniques that involve manipulating the weft and weave of the fabric. The most common types of scenes depicted on brocade fabric are those of floral prints.

Damask, similarly to brocade, is a fabric that features woven scenes of floral patterns, intricate geometric designs, or simple scenes of domestic life. It may be woven of silk, wool, linen, cotton, or synthetic fibers. However, it is most commonly created from silk. It is primarily different from brocade in the fact that its woven fabric pattern is reversible, while that of brocade is not. Similarly, shorter weft patterns in damask allow for more subtle effects in the fabric to be created as it plays off of shadow and light. Damask weaves also contain a higher thread count than that of brocade. Double damask weaves are the highest quality of damask produced; however, it is also the most expensive.

Displaying Photography on the Web

Getting Started:

When deciding to display your photography online, there are a number of considerations that need to be taken into account as presenting imagery on the web. What I will cover today is image scan quality, the dimensional size of the image, and the impact of image file formats.

Image Scan Quality:

Resolution is the image quality measured in terms of how many pixels make up your image. It is commonly referred to as “ppi”; (pixels per inch). One of the common dilemmas when scanning photo transparencies to digitize them for use on a person’s website is how detailed of a scan do you need to provide your webmaster to post your imagery online. I’m going to sidestep the issue of image copyright concerns for the time being as I’ll cover that in an upcoming article on its own. However, because your images are to be viewed on a screen, all web graphics should be no larger than 72 ppi and thus anything higher has no improved effect, and only creates longer download times. This will also reduce what an individual could do with the image file if they had alternate motives.

Image Dimension Size:

Pixels are the unit of measurement for the screen and most webmasters design a website to fit one of the standard display sizes. Based on statistics that can be looked up on the internet, we have found that most people today have their monitor’s set to display at least 1024 x 768, if not larger.

Why this is important, is that if your scan dimensions in Adobe Photoshop say that the image is 8.5 inches by 11 inches, saving the file at those dimension will not allow a user at 1024 pixels by 768 pixels to see the image in its full presentation without scrolling both vertically and horizontally. Adobe Photoshop provides the ability to resize the image to a size that will fit within your website design. As an added bonus, it will also reduce the download size of the image that the view of the image will experience without losing image quality. This is something that you will need to work with your webmaster to come up the proper tradeoff between file size and the presentation size of the image in your portfolio. It is important to realize that not everyone has broadband connections, so thumbnails are very much appreciated by those who use dialup connections. One thing I would recommend is to come up with standard dimension sizes for your horizontal, vertical, panoramic and thumbnails and stick to them as it will make your life, and your webmaster’s much easier.

Image File Format:

There are two types of color that can be used in Web graphics. The colors can be associated with the Web graphic file formats we just mentioned: GIF and JPG.

GIF:

GIF is short for Graphics Interchange Format and consists of the 216 common colors found on all computer monitors and within all Web browsers. These common colors reside in a Web palette and its advantages are that it is supported by practically all web browsers, can include transparent backgrounds, supports interlacing (providing a low-resolution preview of the graphic to the viewer while it downloads), and can be used as an image map (allowing the viewer to click on the graphic as they would a regular link to another site).

JPEG:

JPEG is short for Joint Photographers Experts Group and is superior in rendering color and detail found in photographs or graphics using blends, gradients, and other tonal variations. JPEG files use red, green, and blue (RGB) for graphical color. The strength of these colors is set in from zero to 255 with zero being the least intensity and 255 being the highest intensity. When red, green and blue are combined at zero intensity the result is black. At full strength, high intensity, where the values are set at 255, 255, 255, the result is pure white. As a photographer, it is important to utilize photographs as much as we can within your Web portfolio to present your work in the best possible quality so that it captures the true spirit of the subject work.

Choosing between the two image formats:

These full color images should not be saved as GIF files because of the limited number of colors. By having limited colors, the full color image will represent the true colors using the existing Web palette of 216 colors and will create a poor, dithered, and ugly image. That is why it is very important to use the right file format for each specific graphic. Sometimes it’s obvious that a graphic on someone’s web page was saved in the wrong file format. Photos may look too grainy, or flat-color images may look too fuzzy. When selecting GIF or JPEG for your graphics conversion, it is important to consider the type of image you will be working with. Use a GIF format if you’re graphic consists primarily of line art or flat colors without gradients. JPEG-converted graphics are best for photographs or images with fine tonal variations in colors, such as images with gradients or metallic images. Choosing the right file format is not only important for the quality, but for keeping your images file size to a minimum.

Summary:

With proper usage of image scan quality, the dimensional size of the image, and the correct image file format, you will be presenting your web portfolio in a manner that the rest of the world can fully enjoy your work.

Guide To Buying Gemstone Jewelry

Gemstone jewelry not only accessorizes your fashion choice, it also allows you to show off to your friends as the gemstone ring, earring or any other piece of gemstone you will be wearing is of high quality. For you to buy the right unit you need to consider a number of factors such as:

Color of gemstone

According to professionals, the color of the jewelry you choose determines 50-70% of the unit’s value. Gemstone jewelry comes in different colors and it’s up to you to choose the one that is ideal for you. For you to choose the right color jewelry you need to consider three main factors: Hue, tone and saturation.

Hue: It’s the basic color of the gemstone. When making the purchase, go for units that exhibit a pure color. If the jewelry has to have other colors, they should be minimal.

Tone: The tone represents the depth of a gemstone color. It can be light or dark. Professionals put the tone in different categories that include: light, medium light, medium, medium dark and dark.

There are some unscrupulous sellers that might try to sell you other items posing them as gemstone. If you are keen you can tell a real gemstone by simply looking at it. A real gemstone shouldn’t be too dark or too light. The unit should have a bright, rich look. To tell the real color of the jewelry you should look at it at different lights.

Clarity of the jewelry

Clarity describes the presence or absence of flaws inside or outside the gemstone. While it’s rare to get a flawless gemstone, you shouldn’t settle for one that is of poor clarity. While jewelry with a poor clarity is cheap, it’s not of much value to you as it will give you a poor, cheap look.

To tell the clarity of the unit that you are buying you should examine it from the top. If there isn’t a flaw, the flaw won’t show up in the face up position; therefore, it won’t affect the value and beauty of your unit. If you aren’t experienced at picking flaws, take the jewelry to a professional who will examine it under a microscope.

Cut of gemstone

A properly cut gemstone jewelry is beautiful to look at as it reflects light across its surface when you hold it up. If the unit has a cut that is too deep and narrow the surface area will be dark. If the cut is too shallow and wide, the jewelry will have parts of it washed out and lifeless. When making the purchase go for a unit with an ideal cut and desired shape. The jewelry that you go for should be symmetrical in all dimensions so that it appears balanced.

Conclusion

These are the few factors that you should consider when buying gemstone jewelry. To buy a real, high quality unit buy it from a reputable gemstone store.