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Investment is putting money into something with the hope of profit. More specifically, investment is the commitment of money or capital to the purchase of financial instruments or other assets to gain profitable returns in the form of interest, income {dividend}, or appreciation of the value of the instrument. It is to saving or deferring consumption. Investment is involved in many areas of the economy, such as business management and finance no matter for households, firms, or governments. An investment involves the choice by an individual or an organization to place or lend money in a vehicle, instrument or asset, such as property, commodity, stock, bond, financial derivatives. It may be a foreign asset denominated in foreign currency that has certain level of risk and provides the possibility of generating returns over a period. Investment comes with the risk of the loss of the principal sum. The investment can be highly risky with respect to the investment owner because the possibility of losing money is not within the owner's control. The difference between speculation and investment can be subtle. It depends on the investment owner's mind whether the purpose is for lending the resource to someone else for economic purpose or not. In the case of investment, rather than store the good produced or its money equivalent, the investor chooses to use that good either to create a durable consumer or producer good, or to lend the original saved good to another in exchange for either interest or a share of the profits. In the first case, the individual creates durable consumer goods, hoping the services from the good will make his life better. In the second, the individual becomes an entrepreneur using the resource to produce goods and services for others in the hope of a profitable sale. The third case describes a lender, and the fourth describes an investor in a share of the business. In each case, the consumer obtains a durable asset or investment, and accounts for that asset by recording an equivalent liability. As time passes, and both prices and interest rates change, the value of the asset and liability change. An asset purchase, or equivalently a deposit is in a bank, in hopes of getting a future return or interest from it. The word originates in the Latin-meaning garment, and refers to the act of putting things into others' pockets. The basic meaning of the term being an asset held to have some recurring or capital gains. An asset expected to give returns without any work on the asset per se. Economists refer to a real investment, while financial economists refer to a financial asset, such as money put into a bank or the market, which may then be to buy a real asset. The investment decision is one of the fundamental decisions of business management: Managers determine the investment value of the assets that a business enterprise has within its control or possession. These assets may be physical, intangible, or financial. Assets are to produce streams of revenue that often are associated with particular costs or outflows. All together, the manager must determine whether the net present value of the investment to the enterprise is positive using the marginal cost of capital that is associated with the particular area of business. In terms of financial assets, these are often marketable securities such as a company stock or bonds. At times, the goal of the investment is to produce future cash flows, while at others it may be for the purpose of gaining access to more assets by establishing control or influence over the operation of a second company.


A finger ring is a circular band worn as a type of ornamental jewelry around a finger; it is the most common current meaning of the word ring. Other types of metal bands worn as ornaments called rings, such as arm rings and neck rings. Rings worn by both men and women and can be of any quality. Various ring shapes and styles exist. The following are but a few. Flat wedding bands are the simplest form of ring. A flat wedding band consists of a strip of metal bent around into a loop and joined where the ends meet. Half-round rings, also called D-shape rings, are flat wedding bands filed half-round on the outside. Sleeve rings are rings that consist of a thin inner ring or sleeve, with several other rings stacked onto it to form one solid ring. Either the rings soldered onto the sleeve or the ends of the sleeve can be upset to keep them all together. A little of both can also be done. Solitaire rings are rings with a single large stone as a centerpiece, usually a diamond. Eternity rings are rings with stones, usually diamonds, of the same cut and size, set in one row all around the ring. The stones are usually round or square, and the setting is usually either claws or a channel setting. When the stones do not continue around the entire ring, but stop halfway around the finger, it is a half-eternity ring. Trinity rings or Trilogy Rings are three rings worn at one time. Cluster rings are rings with a group of stones in a cluster setting, forming the focal point of the ring. The cluster setting usually consists of one large stone in the center surrounded with several smaller stones. Tension Rings are a type of ring in which a single gemstone is held in place by pressure rather than prongs, a bezel or other mounting. The metal setting is actually spring-loaded to exert pressure onto the gemstone. In the United States and Canada, ring sizes specified using a numerical scale, with quarter and half sizes. An increase of a full size is an increase of 0.032 inch in diameter, or roughly 1/10 inch in inside circumference. Generally, sizes in quarters and halves will not relate conventionally to anything on any known ruler. On one finger alone, a person may vary more than a whole ring size- depending on time of day, work performed, and other swelling-inducing activities/conditions. Therefore, in most cases quarter-sizes are meaningless unless one needs precise accuracy with a particular ring.The finest quality natural pearls have been highly valued as gemstones and objects of beauty for many centuries, and because of this, the word pearl became a metaphor for something very rare, very fine, very admirable and very valuable. A pearl is a hard, round object produced within the soft tissue of a living shelled mollusk Passages Malibu Jobs A collectable or collectible is typically a manufactured item designed for people to collect. In this respect, they are distinguishable from other subjects of collections, which may also include natural objects and objects manufactured for purposes other than collecting. Some objects designed for other purposes, such as toys, become so popular. Passages Malibu Jobs A necklace is an article of jewelry, which worn around the neck. Necklaces frequently formed from a metal chain, often attached to a locket or pendant. Necklaces manufactured with cloth, and they sometimes contain rocks wood, and/or shells. Passages Malibu Jobs Because of the softness of pure gold, usually alloyed with base metals for use in jewelry, altering its hardness and ductility, melting point, color and other properties. Alloys with lower caratage, typically 22k, 18k, 14k or 10k, contain higher percentages of copper, or other base metals or silver or palladium in the alloy. Passages Malibu Jobs Gold dissolves in mercury, forming amalgam alloys, but does not react with it. Gold is insoluble in nitric acid, which will dissolve silver and base metals, and this is the basis of the gold refining technique known as inquartation and parting. Nitric acid used to confirm the presence of gold in items. Passages Malibu Wiki Silver known since ancient times and has long been valued as a precious metal, used to make ornaments, jewelry, high-value tableware and utensils and currency coins. Today, silver metal used in electrical contacts and conductors, in mirrors and in catalysis of chemical reactions. Passages Malibu Wiki A gift card is a restricted monetary equivalent or scrip that issued by retailers or banks to be used as an alternative to a non-monetary gift. Gift cards have become increasingly popular as they relieve the donor of selecting a specific gift. The recipient of the gift card can use it at his or her discretion within the restrictions set by the issuing agency. Passages Malibu Wiki Earrings are jewelry attached to the ear through a piercing in the earlobe or some other external part of the ear. Primarily women have traditionally worn earrings, although in recent decades, ear piercing has also become popular among men in North America, Europe, Asia and Africa. Passages Malibu Wiki We want you to understand what you are buying. The four most popular factors used to measure diamond quality are cut, color, clarity, and carat weight. Passages Malibu Wiki The Jewelry Case is for fine jewelry. Protect your jewelry with a luxurious jewelry case. Shop here for a jewelry container from the largest selection of jewelry cases here. There are different styles of men's and women's jewelry cases, music boxes and watch boxes luxuriously handcrafted. Passages Malibu Wiki Diamond is an allotrope of carbon. It is the hardest known natural material and the third-hardest known material after ultra hard fullerene. Its hardness and high dispersion of light make it useful for industrial applications and jewelry. Diamonds are specifically renowned as a material with superlative physical qualities. Passages Malibu Wiki Karma works on many levels we could say, it has both subtle and grosser qualities taking effect in an infinite number of bad ways, yet all results stem from a cause, and all actions belong to the doer of the actions. We each become subject to the results of our own doings, but not necessarily straight away, and not necessarily will we recognize the effects of our actions. Passages Malibu Wiki