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Increase Your Financial IQ Book Review – Part 2: Protecting Your Money

Once you have learned to solve problems and earn some money, the next thing You Need to do is to protect that money from what Robert Kiyosaki calls “financial predators”.  Real world predators do not always look the part. Sometimes, they are ordinary people with well-meaning intentions.  Their job is to “legally” take money from your pocket…and your job is to “legally” have them take as little as possible.

According to the book, there are 7 financial predators you need to protect your money from.  They are:

1. Bureaucrats who legally take money from you through “taxes”
   • Taxes are your single largest expense
   • Know which type of income you’re earning money from and paying in taxes
     • Earned Income – salary, commission, etc
     • Portfolio Income – income from paper assets such as interests, dividends, etc
     • Passive Income – royalties, rental income from real-estate, licensing, etc
2. Bankers who legally take money from you through “fees”
   • Banks and Credit Card companies charge you with all kinds of fees, some of them you or your company might not even be aware of
   • For every dollar you have in the bank, the bank can lend out twenty dollars to your credit card.  The bank pays you 5 percent for one dollar and makes 20 percent on twenty dollars.  That is how banks Make Money.
3. Brokers who legally take money from you through “commissions”
   • Look for brokers who are students of their profession and invest in what they sell
     • For real-estate brokers, ask them how many properties they are invested in.
     • For stock brokers, ask them which stocks they personally invest in.
   • “Good” brokers make you rich, “bad” brokers make you poor.  Build a relationship with “good” brokers.
4. Businesses who legally take money from you through “profits”
   • Buy products that make you rich
   • Poor people buy products that make them poor, paying them for years with a very high interest rate
5. Brides and Beaus who legally take money from you through “alimony/marital asset split”
   • Get a prenuptial agreement before you marry
   • Think of your exit plan before you enter into the agreement
6. Brothers-in-law who legally take money from you through “inheritance or financial wishes”
   • Consult an estate planning specialist to plan your exit
   • Use legal vehicles such as wills & trusts to protect your wealth from death predators
7. Barristers who legally take money from you through “court & legal fees”
   • Hold assets of value in legal entities instead of Your Own name
   • You must buy insurance before you need it…not the moment you need it.

Rich Money Habits Review Notes:

• Protecting your money is like plugging holes.  You first need to be aware what the holes are before you can actually plan on fixing them to stop the cash from flowing out.
• Learning to protect your money is a never ending process as the rules regularly change.  The ways to protect your money yesterday may no longer be able to protect your money today or tomorrow.
• Protecting your money reduces your expenses. The more money you keep, the more money you can utilize for productive endeavors.

About the Author

Rich Money Habits @ http://www.akosiallan.com helps you discover and learn how to build long lasting rich money habits so you can achieve financial freedom with peace of mind!

Money – Pink Floyd + Lyrics

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0.44 Ct Pink Diamond Blue Sapphire 14K White Gold Ring $299 Even if you are satisfied you can return the item for a FULL REFUND no questions asked. We are proud to have an unconditional, ‘no hassle-no questions asked’ 30-day money back guarantee. All our items come with a 100% guarantee. Should you not be satisfied with your merchandise for any reason, you may return it within 30 days after receipt and receive a refund. We pride ourselves in carrying high quality items and we hope that you will be pleased with your order. We want you to be 100% happy with the products you receive! If you are not satisfied with your purchase call us at 1-877-706-5333 or 212-869-6776 anytime between the hours of 9:30 a.m. to 6 p.m. EST, Monday through Friday, within 30 days of receiving your order for a return authorization number.

0.44 Ct Pink Diamond Blue Sapphire 14K White Gold Ring $299 Even if you are satisfied you can return the item for a FULL REFUND no questions asked. We are proud to have an unconditional, ‘no hassle-no questions asked’ 30-day money back guarantee. All our items come with a 100% guarantee. Should you not be satisfied with your merchandise for any reason, you may return it within 30 days after receipt and receive a refund. We pride ourselves in carrying high quality items and we hope that you will be pleased with your order. We want you to be 100% happy with the products you receive! If you are not satisfied with your purchase call us at 1-877-706-5333 or 212-869-6776 anytime between the hours of 9:30 a.m. to 6 p.m. EST, Monday through Friday, within 30 days of receiving your order for a return authorization number.

0.44 Ct Pink Diamond Blue Sapphire 14K White Gold Ring $299 Even if you are satisfied you can return the item for a FULL REFUND no questions asked. We are proud to have an unconditional, ‘no hassle-no questions asked’ 30-day money back guarantee. All our items come with a 100% guarantee. Should you not be satisfied with your merchandise for any reason, you may return it within 30 days after receipt and receive a refund. We pride ourselves in carrying high quality items and we hope that you will be pleased with your order. We want you to be 100% happy with the products you receive! If you are not satisfied with your purchase call us at 1-877-706-5333 or 212-869-6776 anytime between the hours of 9:30 a.m. to 6 p.m. EST, Monday through Friday, within 30 days of receiving your order for a return authorization number.

0.50 carats total weight Princess Cut Amethyst & White CZ Gemstone Necklace in Sterling Silver $31.99 0.50 carats total weight Princess Cut Amethyst White CZ Gemstone Necklace in Sterling Silver Stones: Genuine Amethyst: 1 piece, Princess Cut 5.00mm, 0.50 carats total weight White Cubic Zirconia: 7 pieces, Round Shape 3.00mm Gemstones have a deep rich color andtremendous fire. Necklace: 3.50 grams Pure Sterling Silver with .925 stamp Box Style 16 to 18 inch adjustable length, 1 5/8 width Approximate Retail Value: $69.99 Necklace features one of a kind design with a beautiful White Gold finish. 100% Money Back Guarantee. Includes a Signature Gift Box & FREE SHIPPING.

0.50 carats total weight Princess Cut Peridot & White CZ Gemstone Necklace in Sterling Silver $25.99 0.50 carats total weight Princess Cut Peridot White CZ Gemstone Necklace in Sterling Silver Stones: Genuine Peridot: 1 piece, Princess Cut 5.00mm, 0.50 carats total weight White Cubic Zirconia: 7 pieces, Round Shape 3.00mm Gemstones have a deep rich color andtremendous fire. Necklace: 3.50 grams Pure Sterling Silver with .925 stamp Box Style 16 to 18 inch adjustable length, 1 5/8 width Approximate Retail Value: $69.99 Necklace features one of a kind design with a beautiful White Gold finish. 100% Money Back Guarantee. Includes a Signature Gift Box & FREE SHIPPING.

0.50 carats total weight Princess Cut Swiss Blue Topaz & White CZ Gemstone Necklace in Sterling Silver $33.99 0.50 carats total weight Princess Cut Swiss Blue Topaz White CZ Gemstone Necklace in Sterling Silver Stones: Genuine Swiss Blue Topaz: 1 piece, Princess Cut 5.00mm, 0.50 carats total weight White Cubic Zirconia: 7 pieces, Round Shape 3.00mm Gemstones have a deep rich color andtremendous fire. Necklace: 3.50 grams Pure Sterling Silver with .925 stamp Box Style 16 to 18 inch adjustable length, 1 5/8 width Approximate Retail Value: $69.99 Necklace features one of a kind design with a beautiful White Gold finish. 100% Money Back Guarantee. Includes a Signature Gift Box & FREE SHIPPING.

0.55 Ct Oval Madeira Citrine Topaz 925 Silver Pendant $19.99 Even if you are satisfied you can return the item for a FULL REFUND no questions asked. We are proud to have an unconditional, ‘no hassle-no questions asked’ 30-day money back guarantee. All our items come with a 100% guarantee. Should you not be satisfied with your merchandise for any reason, you may return it within 30 days after receipt and receive a refund. We pride ourselves in carrying high quality items and we hope that you will be pleased with your order. We want you to be 100% happy with the products you receive! If you are not satisfied with your purchase call us at 1-877-706-5333 or 212-869-6776 anytime between the hours of 9:30 a.m. to 6 p.m. EST, Monday through Friday, within 30 days of receiving your order for a return authorization number.

0.71 ct 6.00 mm Oval Cut Citrine 14K White Gold Ring $262.27 Even if you are satisfied you can return the item for a FULL REFUND no questions asked. We are proud to have an unconditional, ‘no hassle-no questions asked’ 30-day money back guarantee. All our items come with a 100% guarantee. Should you not be satisfied with your merchandise for any reason, you may return it within 30 days after receipt and receive a refund. We pride ourselves in carrying high quality items and we hope that you will be pleased with your order. We want you to be 100% happy with the products you receive! If you are not satisfied with your purchase call us at 1-877-706-5333 or 212-869-6776 anytime between the hours of 9:30 a.m. to 6 p.m. EST, Monday through Friday, within 30 days of receiving your order for a return authorization number.

0.71 ct 6.00 mm Oval Cut Citrine 14K White Gold Ring $262.27 Even if you are satisfied you can return the item for a FULL REFUND no questions asked. We are proud to have an unconditional, ‘no hassle-no questions asked’ 30-day money back guarantee. All our items come with a 100% guarantee. Should you not be satisfied with your merchandise for any reason, you may return it within 30 days after receipt and receive a refund. We pride ourselves in carrying high quality items and we hope that you will be pleased with your order. We want you to be 100% happy with the products you receive! If you are not satisfied with your purchase call us at 1-877-706-5333 or 212-869-6776 anytime between the hours of 9:30 a.m. to 6 p.m. EST, Monday through Friday, within 30 days of receiving your order for a return authorization number.

0.71 ct 6.00 mm Oval Cut Citrine 14K White Gold Ring $262.27 Even if you are satisfied you can return the item for a FULL REFUND no questions asked. We are proud to have an unconditional, ‘no hassle-no questions asked’ 30-day money back guarantee. All our items come with a 100% guarantee. Should you not be satisfied with your merchandise for any reason, you may return it within 30 days after receipt and receive a refund. We pride ourselves in carrying high quality items and we hope that you will be pleased with your order. We want you to be 100% happy with the products you receive! If you are not satisfied with your purchase call us at 1-877-706-5333 or 212-869-6776 anytime between the hours of 9:30 a.m. to 6 p.m. EST, Monday through Friday, within 30 days of receiving your order for a return authorization number.

0.71 ct 6.00 mm Oval Cut Citrine 14K White Gold Ring $262.27 Even if you are satisfied you can return the item for a FULL REFUND no questions asked. We are proud to have an unconditional, ‘no hassle-no questions asked’ 30-day money back guarantee. All our items come with a 100% guarantee. Should you not be satisfied with your merchandise for any reason, you may return it within 30 days after receipt and receive a refund. We pride ourselves in carrying high quality items and we hope that you will be pleased with your order. We want you to be 100% happy with the products you receive! If you are not satisfied with your purchase call us at 1-877-706-5333 or 212-869-6776 anytime between the hours of 9:30 a.m. to 6 p.m. EST, Monday through Friday, within 30 days of receiving your order for a return authorization number.

0.71 ct 6.00 mm Oval Cut Citrine 14K White Gold Ring $262.27 Even if you are satisfied you can return the item for a FULL REFUND no questions asked. We are proud to have an unconditional, ‘no hassle-no questions asked’ 30-day money back guarantee. All our items come with a 100% guarantee. Should you not be satisfied with your merchandise for any reason, you may return it within 30 days after receipt and receive a refund. We pride ourselves in carrying high quality items and we hope that you will be pleased with your order. We want you to be 100% happy with the products you receive! If you are not satisfied with your purchase call us at 1-877-706-5333 or 212-869-6776 anytime between the hours of 9:30 a.m. to 6 p.m. EST, Monday through Friday, within 30 days of receiving your order for a return authorization number.

0.71 ct 6.00 mm Round Cut Citrine Sterling Silver Ring $22.99 Even if you are satisfied you can return the item for a FULL REFUND no questions asked. We are proud to have an unconditional, ‘no hassle-no questions asked’ 30-day money back guarantee. All our items come with a 100% guarantee. Should you not be satisfied with your merchandise for any reason, you may return it within 30 days after receipt and receive a refund. We pride ourselves in carrying high quality items and we hope that you will be pleased with your order. We want you to be 100% happy with the products you receive! If you are not satisfied with your purchase call us at 1-877-706-5333 or 212-869-6776 anytime between the hours of 9:30 a.m. to 6 p.m. EST, Monday through Friday, within 30 days of receiving your order for a return authorization number.

0.71 ct 6.00 mm Round Cut Citrine Sterling Silver Ring $22.99 Even if you are satisfied you can return the item for a FULL REFUND no questions asked. We are proud to have an unconditional, ‘no hassle-no questions asked’ 30-day money back guarantee. All our items come with a 100% guarantee. Should you not be satisfied with your merchandise for any reason, you may return it within 30 days after receipt and receive a refund. We pride ourselves in carrying high quality items and we hope that you will be pleased with your order. We want you to be 100% happy with the products you receive! If you are not satisfied with your purchase call us at 1-877-706-5333 or 212-869-6776 anytime between the hours of 9:30 a.m. to 6 p.m. EST, Monday through Friday, within 30 days of receiving your order for a return authorization number.

0.71 ct 6.00 mm Round Cut Citrine Sterling Silver Ring $22.99 Even if you are satisfied you can return the item for a FULL REFUND no questions asked. We are proud to have an unconditional, ‘no hassle-no questions asked’ 30-day money back guarantee. All our items come with a 100% guarantee. Should you not be satisfied with your merchandise for any reason, you may return it within 30 days after receipt and receive a refund. We pride ourselves in carrying high quality items and we hope that you will be pleased with your order. We want you to be 100% happy with the products you receive! If you are not satisfied with your purchase call us at 1-877-706-5333 or 212-869-6776 anytime between the hours of 9:30 a.m. to 6 p.m. EST, Monday through Friday, within 30 days of receiving your order for a return authorization number.

0.71 ct 6.00 mm Round Cut Citrine Sterling Silver Ring $22.99 Even if you are satisfied you can return the item for a FULL REFUND no questions asked. We are proud to have an unconditional, ‘no hassle-no questions asked’ 30-day money back guarantee. All our items come with a 100% guarantee. Should you not be satisfied with your merchandise for any reason, you may return it within 30 days after receipt and receive a refund. We pride ourselves in carrying high quality items and we hope that you will be pleased with your order. We want you to be 100% happy with the products you receive! If you are not satisfied with your purchase call us at 1-877-706-5333 or 212-869-6776 anytime between the hours of 9:30 a.m. to 6 p.m. EST, Monday through Friday, within 30 days of receiving your order for a return authorization number.

0.71 ct 6.00 mm Round Cut Citrine Sterling Silver Ring $22.99 Even if you are satisfied you can return the item for a FULL REFUND no questions asked. We are proud to have an unconditional, ‘no hassle-no questions asked’ 30-day money back guarantee. All our items come with a 100% guarantee. Should you not be satisfied with your merchandise for any reason, you may return it within 30 days after receipt and receive a refund. We pride ourselves in carrying high quality items and we hope that you will be pleased with your order. We want you to be 100% happy with the products you receive! If you are not satisfied with your purchase call us at 1-877-706-5333 or 212-869-6776 anytime between the hours of 9:30 a.m. to 6 p.m. EST, Monday through Friday, within 30 days of receiving your order for a return authorization number.

0.75 Ct Blue Topaz Peridot and Amethyst 14KW Gold Ring $325 Even if you are satisfied you can return the item for a FULL REFUND no questions asked. We are proud to have an unconditional, ‘no hassle-no questions asked’ 30-day money back guarantee. All our items come with a 100% guarantee. Should you not be satisfied with your merchandise for any reason, you may return it within 30 days after receipt and receive a refund. We pride ourselves in carrying high quality items and we hope that you will be pleased with your order. We want you to be 100% happy with the products you receive! If you are not satisfied with your purchase call us at 1-877-706-5333 or 212-869-6776 anytime between the hours of 9:30 a.m. to 6 p.m. EST, Monday through Friday, within 30 days of receiving your order for a return authorization number.

0.75 Ct Blue Topaz Peridot and Amethyst 14KW Gold Ring $325 Even if you are satisfied you can return the item for a FULL REFUND no questions asked. We are proud to have an unconditional, ‘no hassle-no questions asked’ 30-day money back guarantee. All our items come with a 100% guarantee. Should you not be satisfied with your merchandise for any reason, you may return it within 30 days after receipt and receive a refund. We pride ourselves in carrying high quality items and we hope that you will be pleased with your order. We want you to be 100% happy with the products you receive! If you are not satisfied with your purchase call us at 1-877-706-5333 or 212-869-6776 anytime between the hours of 9:30 a.m. to 6 p.m. EST, Monday through Friday, within 30 days of receiving your order for a return authorization number.

0.75 Ct Blue Topaz Peridot and Amethyst 14KW Gold Ring $325 Even if you are satisfied you can return the item for a FULL REFUND no questions asked. We are proud to have an unconditional, ‘no hassle-no questions asked’ 30-day money back guarantee. All our items come with a 100% guarantee. Should you not be satisfied with your merchandise for any reason, you may return it within 30 days after receipt and receive a refund. We pride ourselves in carrying high quality items and we hope that you will be pleased with your order. We want you to be 100% happy with the products you receive! If you are not satisfied with your purchase call us at 1-877-706-5333 or 212-869-6776 anytime between the hours of 9:30 a.m. to 6 p.m. EST, Monday through Friday, within 30 days of receiving your order for a return authorization number.

0.75 Ct Blue Topaz Peridot and Amethyst 14KW Gold Ring $325 Even if you are satisfied you can return the item for a FULL REFUND no questions asked. We are proud to have an unconditional, ‘no hassle-no questions asked’ 30-day money back guarantee. All our items come with a 100% guarantee. Should you not be satisfied with your merchandise for any reason, you may return it within 30 days after receipt and receive a refund. We pride ourselves in carrying high quality items and we hope that you will be pleased with your order. We want you to be 100% happy with the products you receive! If you are not satisfied with your purchase call us at 1-877-706-5333 or 212-869-6776 anytime between the hours of 9:30 a.m. to 6 p.m. EST, Monday through Friday, within 30 days of receiving your order for a return authorization number.

0.75 Ct Blue Topaz Peridot and Amethyst 14KW Gold Ring $325 Even if you are satisfied you can return the item for a FULL REFUND no questions asked. We are proud to have an unconditional, ‘no hassle-no questions asked’ 30-day money back guarantee. All our items come with a 100% guarantee. Should you not be satisfied with your merchandise for any reason, you may return it within 30 days after receipt and receive a refund. We pride ourselves in carrying high quality items and we hope that you will be pleased with your order. We want you to be 100% happy with the products you receive! If you are not satisfied with your purchase call us at 1-877-706-5333 or 212-869-6776 anytime between the hours of 9:30 a.m. to 6 p.m. EST, Monday through Friday, within 30 days of receiving your order for a return authorization number.

0.75 Ct Blue Topaz Peridot and Amethyst Silver Ring $38.99 Even if you are satisfied you can return the item for a FULL REFUND no questions asked. We are proud to have an unconditional, ‘no hassle-no questions asked’ 30-day money back guarantee. All our items come with a 100% guarantee. Should you not be satisfied with your merchandise for any reason, you may return it within 30 days after receipt and receive a refund. We pride ourselves in carrying high quality items and we hope that you will be pleased with your order. We want you to be 100% happy with the products you receive! If you are not satisfied with your purchase call us at 1-877-706-5333 or 212-869-6776 anytime between the hours of 9:30 a.m. to 6 p.m. EST, Monday through Friday, within 30 days of receiving your order for a return authorization number.

0.75 Ct Blue Topaz Peridot and Amethyst Silver Ring $38.99 Even if you are satisfied you can return the item for a FULL REFUND no questions asked. We are proud to have an unconditional, ‘no hassle-no questions asked’ 30-day money back guarantee. All our items come with a 100% guarantee. Should you not be satisfied with your merchandise for any reason, you may return it within 30 days after receipt and receive a refund. We pride ourselves in carrying high quality items and we hope that you will be pleased with your order. We want you to be 100% happy with the products you receive! If you are not satisfied with your purchase call us at 1-877-706-5333 or 212-869-6776 anytime between the hours of 9:30 a.m. to 6 p.m. EST, Monday through Friday, within 30 days of receiving your order for a return authorization number.

0.75 Ct Blue Topaz Peridot and Amethyst Silver Ring $38.99 Even if you are satisfied you can return the item for a FULL REFUND no questions asked. We are proud to have an unconditional, ‘no hassle-no questions asked’ 30-day money back guarantee. All our items come with a 100% guarantee. Should you not be satisfied with your merchandise for any reason, you may return it within 30 days after receipt and receive a refund. We pride ourselves in carrying high quality items and we hope that you will be pleased with your order. We want you to be 100% happy with the products you receive! If you are not satisfied with your purchase call us at 1-877-706-5333 or 212-869-6776 anytime between the hours of 9:30 a.m. to 6 p.m. EST, Monday through Friday, within 30 days of receiving your order for a return authorization number.

0.75 Ct Blue Topaz Peridot and Amethyst Silver Ring $38.99 Even if you are satisfied you can return the item for a FULL REFUND no questions asked. We are proud to have an unconditional, ‘no hassle-no questions asked’ 30-day money back guarantee. All our items come with a 100% guarantee. Should you not be satisfied with your merchandise for any reason, you may return it within 30 days after receipt and receive a refund. We pride ourselves in carrying high quality items and we hope that you will be pleased with your order. We want you to be 100% happy with the products you receive! If you are not satisfied with your purchase call us at 1-877-706-5333 or 212-869-6776 anytime between the hours of 9:30 a.m. to 6 p.m. EST, Monday through Friday, within 30 days of receiving your order for a return authorization number.

0.75 Ct Blue Topaz Peridot and Amethyst Silver Ring $38.99 Even if you are satisfied you can return the item for a FULL REFUND no questions asked. We are proud to have an unconditional, ‘no hassle-no questions asked’ 30-day money back guarantee. All our items come with a 100% guarantee. Should you not be satisfied with your merchandise for any reason, you may return it within 30 days after receipt and receive a refund. We pride ourselves in carrying high quality items and we hope that you will be pleased with your order. We want you to be 100% happy with the products you receive! If you are not satisfied with your purchase call us at 1-877-706-5333 or 212-869-6776 anytime between the hours of 9:30 a.m. to 6 p.m. EST, Monday through Friday, within 30 days of receiving your order for a return authorization number.

0.75 Ct Blue Topaz Peridot and Amethyst Silver Ring $38.99 Even if you are satisfied you can return the item for a FULL REFUND no questions asked. We are proud to have an unconditional, ‘no hassle-no questions asked’ 30-day money back guarantee. All our items come with a 100% guarantee. Should you not be satisfied with your merchandise for any reason, you may return it within 30 days after receipt and receive a refund. We pride ourselves in carrying high quality items and we hope that you will be pleased with your order. We want you to be 100% happy with the products you receive! If you are not satisfied with your purchase call us at 1-877-706-5333 or 212-869-6776 anytime between the hours of 9:30 a.m. to 6 p.m. EST, Monday through Friday, within 30 days of receiving your order for a return authorization number.

0.75 Ct Purple Amethyst & Diamonds 14K White Gold Ring $239.99 Even if you are satisfied you can return the item for a FULL REFUND no questions asked. We are proud to have an unconditional, ‘no hassle-no questions asked’ 30-day money back guarantee. All our items come with a 100% guarantee. Should you not be satisfied with your merchandise for any reason, you may return it within 30 days after receipt and receive a refund. We pride ourselves in carrying high quality items and we hope that you will be pleased with your order. We want you to be 100% happy with the products you receive! If you are not satisfied with your purchase call us at 1-877-706-5333 or 212-869-6776 anytime between the hours of 9:30 a.m. to 6 p.m. EST, Monday through Friday, within 30 days of receiving your order for a return authorization number.

0.75 Ct Purple Amethyst & Diamonds Sterling Silver Ring $39.99 Even if you are satisfied you can return the item for a FULL REFUND no questions asked. We are proud to have an unconditional, ‘no hassle-no questions asked’ 30-day money back guarantee. All our items come with a 100% guarantee. Should you not be satisfied with your merchandise for any reason, you may return it within 30 days after receipt and receive a refund. We pride ourselves in carrying high quality items and we hope that you will be pleased with your order. We want you to be 100% happy with the products you receive! If you are not satisfied with your purchase call us at 1-877-706-5333 or 212-869-6776 anytime between the hours of 9:30 a.m. to 6 p.m. EST, Monday through Friday, within 30 days of receiving your order for a return authorization number.

0.75 Ct Purple Amethyst & Diamonds Sterling Silver Ring $39.99 Even if you are satisfied you can return the item for a FULL REFUND no questions asked. We are proud to have an unconditional, ‘no hassle-no questions asked’ 30-day money back guarantee. All our items come with a 100% guarantee. Should you not be satisfied with your merchandise for any reason, you may return it within 30 days after receipt and receive a refund. We pride ourselves in carrying high quality items and we hope that you will be pleased with your order. We want you to be 100% happy with the products you receive! If you are not satisfied with your purchase call us at 1-877-706-5333 or 212-869-6776 anytime between the hours of 9:30 a.m. to 6 p.m. EST, Monday through Friday, within 30 days of receiving your order for a return authorization number.

0.75 Ct Purple Amethyst & Diamonds Sterling Silver Ring $39.99 Even if you are satisfied you can return the item for a FULL REFUND no questions asked. We are proud to have an unconditional, ‘no hassle-no questions asked’ 30-day money back guarantee. All our items come with a 100% guarantee. Should you not be satisfied with your merchandise for any reason, you may return it within 30 days after receipt and receive a refund. We pride ourselves in carrying high quality items and we hope that you will be pleased with your order. We want you to be 100% happy with the products you receive! If you are not satisfied with your purchase call us at 1-877-706-5333 or 212-869-6776 anytime between the hours of 9:30 a.m. to 6 p.m. EST, Monday through Friday, within 30 days of receiving your order for a return authorization number.

0.75 Ct Purple Amethyst & Diamonds Sterling Silver Ring $39.99 Even if you are satisfied you can return the item for a FULL REFUND no questions asked. We are proud to have an unconditional, ‘no hassle-no questions asked’ 30-day money back guarantee. All our items come with a 100% guarantee. Should you not be satisfied with your merchandise for any reason, you may return it within 30 days after receipt and receive a refund. We pride ourselves in carrying high quality items and we hope that you will be pleased with your order. We want you to be 100% happy with the products you receive! If you are not satisfied with your purchase call us at 1-877-706-5333 or 212-869-6776 anytime between the hours of 9:30 a.m. to 6 p.m. EST, Monday through Friday, within 30 days of receiving your order for a return authorization number.

0.75 Ct Purple Amethyst & Diamonds Sterling Silver Ring $39.99 Even if you are satisfied you can return the item for a FULL REFUND no questions asked. We are proud to have an unconditional, ‘no hassle-no questions asked’ 30-day money back guarantee. All our items come with a 100% guarantee. Should you not be satisfied with your merchandise for any reason, you may return it within 30 days after receipt and receive a refund. We pride ourselves in carrying high quality items and we hope that you will be pleased with your order. We want you to be 100% happy with the products you receive! If you are not satisfied with your purchase call us at 1-877-706-5333 or 212-869-6776 anytime between the hours of 9:30 a.m. to 6 p.m. EST, Monday through Friday, within 30 days of receiving your order for a return authorization number.

0.75 carats total weight Princess Cut Garnet & White CZ Gemstone Necklace in Sterling Silver $30.99 0.75 carats total weight Princess Cut Garnet White CZ Gemstone Necklace in Sterling Silver Stones: Genuine Garnet: 1 piece, Princess Cut 5.00mm, 0.75 carats total weight White Cubic Zirconia: 7 pieces, Round Shape 3.00mm Gemstones have a deep rich color andtremendous fire. Necklace: 3.50 grams Pure Sterling Silver with .925 stamp Box Style 16 to 18 inch adjustable length, 1 5/8 width Approximate Retail Value: $69.99 Necklace features one of a kind design with a beautiful White Gold finish. 100% Money Back Guarantee. Includes a Signature Gift Box & FREE SHIPPING.