India’s Shrinking Business Cycle

October 19, 2012 2 Comments


If ywealthymatters.comou have a ladder of fixed income instruments  or are looking to take on debt,it helps to be able to have a feel for the interest rate cycle.I came across come interesting inputs to help in this effort in yesterday’s newspaper.

The chief takeaways of this article are:

1.By watching the long-term investments in infrastructure,maybe 10-15 years into the future,we can call the GDP growth rate.At present it is  likely to be 5-7 %.

2.The current RBI governor has commented that the potential growth output frontier has shrunk to about 7.5%.

3.During the growth phase of the business cycle,when the growth reaches,85% of the capacity,which is about 6.5% growth,RBI will likely apply the brakes.

4..The business cycle time period has reduced from a previous  7-8 years to 1.5-2 years.

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Diamond Cut Guides

October 19, 2012 Leave a comment


 

wealthymatters.comThe beauty of a diamond depends more on cut than any other factor. Diamond cut has three primary effects on appearance: brilliance (the brightness created by the combination of all the white light reflections from the surface and the inside of a polished diamond), fire (the dispersion of light into the colors of the visible spectrum, seen as flashes of color), and scintillation (the flashes of light and dark, or sparkle, when a diamond or light source is moved).

When a diamond is fashioned from a rough stone, the cutter must balance optimal cut (and therefore appearance) against maximum yield (cutting the diamond to maintain as much carat weight from the rough stone as possible). Because many customers are willing to pay more for a larger, fair-cut cut diamond than for a slightly smaller, well-cut diamond, there is pressure on the cutter to sacrifice appearance for weight. This is why the cut is so important.

For the larger and more expensive diamonds dealers will be willing to provide more detailed grading reports with diagrams ,as above,showing proportions of the diamond.Use the tables below to ensure you are getting the best value for money. Read more of this post

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More About Diamond Shapes

October 19, 2012 Leave a comment


wealthymatters.com

The round cut diamond is the most popular diamond shape, representing approximately 75% of all diamonds sold. Due to the mechanics of its shape, the round diamond is generally superior to fancy diamond shapes at the proper reflection of light, maximizing potential brightness.

Virtually all round diamonds are brilliant-cut, meaning they have 58 facets (57 when there is no culet).

Round diamonds cost more on a per carat basis than fancy shapes for two reasons; the demand for round diamonds is very high, and the yield is relatively low. Because more of the rough stone is lost in the cutting of a round diamond, the cost of each carat retained is higher. A typical round diamond (for example; a 1.00 carat, F-colour, VS2-clarity, Ex cut) may cost 25-35% more than a similar fancy shape.

The colour chart below provides a general guide for evaluating color in round diamonds. Read more of this post

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