by: Cindy Morus
1. They can make mistakes under your guidance

2. They will learn how to save for the future

3. They will learn that money doesn’t “grow on trees”

4. They will appreciate what they have

5. They will learn to make choices and set priorities

6. They'll stop nagging you for money

7. There will be less friction in your household

8. They will learn healthy financial behaviors

9. They will learn your values

10. You can teach them that it isn’t all “about the money”

11. They will learn how to spend wisely

12. They will be prepared to enter the grown-up world.

13. Allowances will teach your children to be resourceful, independent and unique.

14. An allowance is a “tool to empower your children to avoid commercialism’s clutches.”

15. You can teach them to avoid the pitfalls of debt

16. You can help them improve their communication skills around money.

17. An allowance now could help them avoid future “marital money chaos”

18. They’ll learn the difference between quantity and quality.

19. They’ll learn how it feels to make a poor choice and have to live with it.

20. They’ll learn how to resist impulses (sometimes, maybe!)

21. They’ll learn to appreciate and take care of their things

For help in designing an Allowance system that works for your family, please contact Cindy at 541-387-2995 or by e-mail.

(c) Phelps Creek Financial Coaching - All Rights Reserved

About The Author


Cindy S. Morus (http://www.phelps-creek.com) is a Certified Financial Recovery Counselor specializing in showing women and their families how to achieve financial well-being and peace of mind. She is also a Certified Credit Report Reviewer and Get Clients NOW!™ licensee. Contact her at 541-387-2995 or cmorus@phelps-creek.com. She is also the publisher and editor of "Financial Fitness", an internet gazette dedicated to helping people improve their financial fitness no matter what decisions were made in the past.

Attention Ezine editors/Site owners: Feel free to reprint this article in its entirety in your ezine or website as long as you leave all links in place, do not alter the content and include our resource box as listed above. If you do use the material please send us a note (cmorus@phelps-creek.com) so we can take a look. Thanks


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by: Laci Gerveler



Diamond earrings are classy and tasteful earrings that every woman loves to wear. They can be so versatile, and come in many styles and colors as well. Earrings with diamonds in them never go out of style, and just a single pair of earrings added to your outfit makes you feel all dressed up and ready for a night on the town. While most diamond earrings might look the same to the naked eye, you are probably wondering why some of them will cost more than others do.

There are several reasons that one pair of diamond earrings may cost more than another. You see, the diamonds are sold by weight in Karats. When you have a diamond that is a higher karat than the other, the one with the higher karat weight will be more expensive. This is the reason you can have two different pairs of earring with diamonds in them, and they both look the same, but one might be more expensive because the karat weight is higher in one pair than the other one.

Another reason that one pair of diamond earrings might cost more than another is because of the diamond cut. There are so many different diamond cuts that you can have in a pair of earrings, and each and every one of them are unique in their own way. Some of the cuts are harder to get than others and make perfect. This would mean that particular cut would be more expensive as it is harder to achieve. All women have their favorite cuts that they love diamonds in, and the princess cut diamond is probably the most popular of them all.

Something else to think about that may increase the cost of a pair of diamond earrings is the setting that the diamonds are in. There are so many different settings to choose from when you are looking at earrings with diamonds, and some of them are a little harder to get. When you have a really complicated setting for the diamonds, you are looking at paying more per pair of earrings than you would just a single stud setting.

Diamond earrings are so beautiful, and come in many different metal settings that you can choose from. You will find that there is 18K Gold, 14K Gold, and 10K gold. This only covers the yellow gold that you can choose from. There is also white gold, and sterling silver that are ever so popular with earrings. However, you will also find that for those that are allergic to gold and silver, you will be able to get titanium earrings with diamonds in them. This is a great alternative for anyone that has allergies to the other metals, it is a little more expensive, and it is readily available in most jewelry stores.

As you can see, diamond earrings are any female's favorite. You can not go wrong when you surprise a girl with a pair. You now know why some earrings with diamonds in them may look the same but cost different. If you were to buy a pair of pair that had a really high diamond karat weight you would making an investment that would be cherished for many years. Diamond jewelry never goes out of style and you can wear it with anything to any occasion and look great.


About The Author
Laci Gerveler has been in the fashion industry for more than 20 years and has recognized several trends in the jewelry industry. She has recently decided to write about the many different earrings that can be found at her website, http://www.earwears.com/ and offer information for potential buyers.



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