Past and Present of Jewelry Pins and Brooches

From the earliest ages of man, fashion has been present. In fact, accessories have long been a standard way of expressing ones fashion sense, and jewelry pins and brooches have long been popular. Fashion brooches are very popular because of their incredible versatility.

Jewelry pins and brooches were originally created as a way to secure a large piece of cloth around ones body. These early jewelry pins and brooches were not as fancy as those that we see today. When they first emerged as a way to secure a cloth as a garment, it was usually a simple thorn. However, as the years passed jewelry pins and brooches began to evolve.

As man’s capabilities grew and changed so did the fashion brooches that they were able to produce. During the Byzantine era, fashion brooches embraced the eras fascination with color as well as incorporating a traditional safety pin fixture. From there, fashion brooches continued to change having gemstones added onto them and intricate design work adorning the metal that the brooch is fashioned from.

Today jewelry pins and brooches are very prevalent when it comes to the world of fashion accessories, and there is great variety in the styles that you can choose from. In fact, there are so many styles on the market that it can be difficult to narrow down your options. Thankfully, it does not need to be difficult. With a few small decisions, you will be able to find the perfect fashion brooches for you.

The first thing that you want to decide is how formal you need your jewelry pins and brooches to be. Generally, fashion brooches with precious and semi precious stones on them are much more formal than simple metal or colored pins. Additionally, you are going to want to give some thought to what type of metal you want to have. There are silver pins on the market, gold pins, and even beautiful rose gold brooches. If you want to expand your accessory collection, you may want to get a few pins of each metal.

You also want to give some thought to the shape of the jewelry pins and brooches that you are looking at. Think about what you need the fashion brooches to do. Are you looking for something to put on your jacket lapel? If so then you might want to look for a medium sized pin that is somewhat seasonal. Or if you need a pin to secure a scarf you may want to choose a large sized pin, but try to keep its design simple so that you do not detract from the design of your scarf.

Finally, you want to make sure that you really like the style of the jewelry pins and brooches. Do not feel like you need to buy something because it might be a good addition to your accessory collection. If you do that you may get stuck with pieces that you will never wear. Instead, choose fashion brooches that you really love that way you will know that you will get your moneys worth out of them.

What Are Equity Mutual Funds and how does it Benefit Investors?

An equity mutual is a mutual fund that invests in equity and equity related instruments with the aim of long-term capital appreciation.

Thus, an equity mutual fund is a mutual fund that invest in equity shares of companies that have potential to provide long term returns to investors.

An example of a growth oriented equity mutual fund would be a mutual fund that has in its portfolio companies with a proven track record of great revenue growth or younger companies with potential. Equity mutual funds follow different styles such as growth, blend and value funds and comprise the primary categories of equity mutual funds.

An equity mutual fund scheme generally aims to provide capital appreciation over the medium to long- term.

Growth Plan vs. IDCW(Income Distribution cum Capital Withdrawal’)

The term “Dividend Option” in mutual funds was changed to “IDCW” in April 2021 by SEBI.

Should the investor invest in Growth Plan VS IDCW?

In a growth plan, the profits remain invested in the scheme. Over a long period, the investor can earn compounded returns. Growth plan NAV will always be higher than the IDCW option because on distribution of the available surplus the NAV of the scheme is reduced to that extent. .
In IDCW, the available surplus may be dispensed partially or fully at the discretion of the fund manager / AMC / Trustees.
If investors prefer capital appreciation or long-term wealth creation, they should invest in growth option of the mutual fund scheme.
If the investors aim for cash-flows from their investments, then they may opt for IDCW option.
Benefits of Equity mutual Funds

Potential for high returns over long term
This fund appeals to a lot of investors because of its potential for high return with high risk.

Risk
Equity mutual funds are high-risk investment instruments. Therefore, you must consider investing in equity mutual fund schemes only if you are risk-tolerant and are willing to invest for at least 5 to 10 years. The only returns would be your profit on selling the investment and this would be the excess of selling price over the purchase price.

Volatility
Equity mutual funds are extremely volatile as stocks fall and rise depending on market behaviour. Therefore, it is best suited for investors who are able to tolerate the volatility.

Tax Efficiency
Equity mutual funds attract long term capital gains tax LTCG tax at 10% if the earning is above Rs 1 lakh and held more than a year.

Money management
Fund managers who manage the equity fund are qualified professionals, who identify high potential stocks for the investors.

Diversified Portfolio
A mix of stocks in a mutual fund creates diversification and helps to reduce the overall risk of investing in volatile stocks to some extent.

To conclude, one should invest in equity mutual funds if one wishes to be a long-term investor in the stock market looking for capital appreciation.

Negotiation Mastery – Knowing When to Say When

Negotiation in business is a critical aspect to getting more accomplished and generating more valuable sales. Negotiation is founded upon principles but it could be argued that it is more art than science. The best negotiators are often brilliant strategists and gifted technicians but their perhaps most unsung trait is the mastery of the true art of negotiation. Let’s explore this a little more.

The basic fundamentals of negotiation call for careful planning and, in most cases, pursuit of a solution that leaves all parties better off than they were before. While these basic principles can guide and govern many negotiating scenarios, there is certainly more to it.

What is the art of negotiation? The art behind this critical business skill comes from the intangible ability to simply get the job done. For example, perhaps you have experienced a negotiation where you followed your plan to the letter and felt like you tactically handled it perfectly. The end result: the negotiations failed and you were left scratching your head as to how this could have happened.

Now consider a scenario where a negotiator also follows their plan, but only almost according to plan. Their tactics are sound but there seem to be some key elements missing. The end result: the negotiation is a dramatic success and, despite the negotiator’s apparent missteps, everything seemed to work out great. What was the difference?

As you may be gathering, the answer to what differed between these two scenarios may not be readily apparent. The negotiator who seemed to do everything perfectly failed and the one who seemed to stray away from the original plan had more success. What gives? The answer lies in the intangible nuances of human nature.

Chances are, the successful negotiator from our example probably sensed the need to change his or her course during the negotiation. This could have been based upon a specific response from the other party, body language, or just an instinctual feel for how things were proceeding. They adjusted their plan, perhaps stopping short of seeking all the objectives they originally set out to achieve. They may have even offered an additional incentive to the opposite party.

While this approach may not immediately make sense, it is highly effective. Sure, we all have an agenda when it comes to negotiations. However, asking for too much puts the entire agenda at risk, while knowing when to say when may eliminate a single objective but leave the rest intact and still satisfy all parties when the day is done. The ability to recognize the need for this and know when to change the plan is an art that the best negotiators have mastered. Even they may not know exactly how they do it; it’s just a feel for the process that makes them great.

This feel for negotiation comes from two key things: experience and attentiveness to the other party in the negotiation. The take home message is to pay attention and be involved in as many negotiations as you possibly can. These elements will make you better and will help hone your feel for the process that will make you better over time.

In summary, you can call it a sixth sense, a gut instinct, or whatever you wish, but the art of negotiation comes not from a textbook, but from within each of us. Knowing when to say when, when to not press for that extra benefit you would like to have, is what sets the best negotiators apart from the rest of the world. It is their artistry that can inspire all of us to reach new heights in business.