Life Insurance. This is a very touchy and personal topic to everyone. It reminds us of our own mortality. It reminds us perhaps, of a deceased loved one. There are many many emotions, thoughts and feelings that come up when the topic of life insurance is discussed.While it is not a pleasant topic to think about, Life Insurance is quite possibly the greatest gift parents can leave to their children. It is about peace of mind. Peace of mind in knowing that if something unforseen should happen to us, our families will still be financially stable.Before we get into the mechanics and the nitty gritty, I’d like to share a story about a client of ours with all of you. Years ago, as a green insurance agent, I sold life insurance as a product. I was too young and inexperienced to fully understand what life insurance can do for a family in their most dire time of need. I had a particular client who I sold a policy to. He and his wife had 4 young children at the time, a mortgage and all of the usual expenses we all have. Well, unfortunately, a couple of years after the life insurance sale, he passed away. When I got the emotional, tear ridden phone call from his eldest son, something in me finally clicked. After the funeral, he pulled me aside and gave me a hug I will never forget.He tearfully said to me, “You know, after my father’s death, bill collectors started calling. Everybody came to our family with their hands out, wanting to be paid for one thing or another. But you, you came to us with a check in hand, a tear in your eye and a shoulder to cry on. I really don’t know what my sisters, mother and I would have done were it not for the life insurance my father had. I don’t know how to thank you.”I told him that he owes me no thanks. The one he should be thankful for is the one whose life we are celebrating and remembering today. He stepped back and looked at me somewhat crosseyed and confused. I said, “Dave, you, your sisters and your mother were your dad’s pride and joy and number one priority in life. He guided you, provided for you and helped mold you and your sisters into the wonderful, caring people you are today. He took care of you all and took pleasure in doing so.”I continued, “He blessed you and the rest of your family with many many gifts throughout his lifetime. The last gift that he made sure was available to you all was the gift of life insurance. The gift of peace of mind. Of course, I know and he knew that you would hand that check right back over if it meant 5 more minutes with him. But, the gift he left you all was the ability to live his legacy, follow in his footsteps and the financial means to continue your lives in the way that he made sure you were all accustomed to.”He nodded. I said, “Your mom does not have to worry about the mortgage on her house, your two youngest sisters do not have to worry about how they will pay for college. Your dad took good care of you all while he was alive, and will continue to do so in memorium.”He hugged me and thanked me again and returned to his family. It was that day that I realized that I was not selling policies. I was giving families the opportunity to continue to care for their loved ones long after they are gone. Life insurance is a gift, and not one to be taken lightly.Now, I’d like to go into a short glossary and explanation of the different types of policies available so that everyone can be well informed consumers.There are essentially two main types of policies, Term Insurance and Permanent Insurance. And yes, there are various subgroups and hybrid type policies, etc.Basic Term Life Insurance is pretty much exactly what it sounds like. This type of policy is purchased for a specific amount of time, usually 10, 20 or 30 years. This is just pure life insurance. If John Smith takes out a $500,000 20 year term policy, and passes away in year 16, his policy will pay his beneficiary $500,000. Conversely, if John Smith passes away 25 years after taking out the policy, the term has expired and there is no coverage.One might ask, “Why would I want this type of policy if it’s just going to expire and then I’m out all of that money for no reason?” Excellent question. Of course, there is a multi-part answer.A) This is the type of policy that we call “peace of mind insurance”. You have the peace of mind for a set number of years that should the unforseen happen, your family will be financially taken care of. Therefore, you had the coverage for all of that time. Just like a homeowner policy, you may never put a claim in, still make your monthly payments, but have the peace of mind in knowing that if your home were to burn down, you have the coverage to rebuild your home and your life.B) These policies are, on a monthly basis, cheaper than others. For a young family with limited resources, it’s the perfect starter policy to get the coverage in place and then later on, there are other options available.C) Return of Premium option – Some Term policies have an optional enhancement called Return of Premium. This is the answer to the people who say, “I don’t want to spend all that money for 20 years to not get anything in the end.” Those who have this option on their policies are people who plan to keep the coverage in force for the entire duration of the plan (in this example 20 years), and will receive a check at the end of the term for every penny that was paid in premiums. So, now, John Smith will have been covered for the 20 years, and assuming he is still alive at the end, he’ll get back all the money that he put into it.D) Conversion opportunity – Most Term policies include a clause that allows the policy owner to convert the term policy to a permanent one before the term expires and usually before a certain age, depending on the policy. What is the benefit in this? This is a HUGE benefit to the policy holder and here is why.The price of life insurance is based on many things. The two items that carry the most weight in the cost are the health of the person taking out the policy and the age that they are when they take it out. As a general rule, we will never be as young or as healthy as we are today. And we were younger and healthier yesterday. Obviously an obease individual with high cholesterol and blood pressure will be more expensive to insure than a fit individual with no health problems. There is a much greater probability that the less healthy person will pass away sooner than the more healthy one. At the same time, a 20 year old is much less expensive to insure than a 60 year old, because all things being equal, statistically, the 20 year old has much less of a likelihood of passing away than a 60 year old. The 20 year old statistically has many more years to pay premiums, than the 60 year old, so his premium will be less.The wonderful thing about the conversion option, is that it allows the policy holder to convert their term insurance to a permanent policy (which we will go over in a moment) while locking in the health rating that was received at the time of the original policy. The policy will convert based on the original health rating and the current age. This is of a huge benefit to those whose health has unfortunately deteriorated over the life of the policy.Alright, now that we have a clearer understanding of Term Life Insurance, let’s go over Permanent Life Insurance. As the name suggests Permanent Life Insurance is generally set up to be Permanent and be in force for the life of the insured (that’s you!).Now, Permanent Life Insurance is sometimes referred to as Whole Life, Universal Life, Variable Universal Life and Guaranteed Life, to name a few. The main difference between a permanent policy and a term policy is that a Permanent Policy has many more options.The policy contains two main parts. The first being the basic life insurance coverage. And the second being somewhat of a “savings account”. The way that these two parts come together to form a comprehensive policy with many options and benefits is that a percentage of the premium goes to pay the basic cost of insurance and another portion goes into this “savings account”. Now, generally speaking, these policies have a minimum interest rate that paid on the money that is growing in the savings portion of the policy. These interest rates are usually market sensitive, so as interest rates in the marketplace go up, the interest rates that the policy will pay will go up. As interest rates in the marketplace decline, the interest rate of the policy will decrease, but never lower than the floor set by the policy contract.One very nice thing about these policies is the flexibility that afforded to the policyowner as far as premiums and savings go. As an example, let’s say that John Smith has just taken out a Permanent Life Insurance policy and his minimum monthly premium is $100. He could decide that he wants to pay $150 per month, having that additional $50 per month go directly into the “savings portion” of the policy. Over time, that overpayment of premium will grow due to compound interest.Let’s say that he pays his $150 per month for the first 20 years of the policy and then finds that he has fallen onto hard times and cannot afford to pay the additional premium. It’s possible that there is enough money built up in the “savings portion” or “cash value” that the premiums can actually just be deducted from that pot of money for a period of time. Or maybe his child is going to a private university and he has built up a lump sum of money in there. He can withdraw the money to use towards whatever he would like, in this case, his child’s education.And this brings us to the end of our class on Life Insurance 101. Almost. One very important thing to remember about life insurance is that the most important aspect of it is not the company, type of policy or even the death benefit amount. The most important aspect of life insurance is that it is one of the greatest gifts that a parent can give to a child. The gift of love, life, legacy and the future. The proceeds of a life insurance policy can never make up for the loss of a loved one; but the gift of life insurance can help ease the financial burden and leave your family with peace of mind.
Travelocity is an internet site that provides the best deals on business trips and vacations. You can plan your entire trip, from the flight to the hotel and from the car rental to the shopping, through Travelocity. Promotion codes can be used in order to save a lot of money. All you have to do is browse the site for great deals on travel and vacations.Another great thing about this travel agency is that it also provides tips and ideas on things to do on your vacation. Even if you’re planning a business trip, you can still find tips on how to make the best out of your time from home. Even if you’re on a low budget, you can use Travelocity promotion codes to help make your trip affordable, regardless of where you want to go.Need to travel next week? That’s fine—Travelocity is notorious for its great last minute deals. This site is truly dedicated to providing only the best deals and packages for travelers. You can even save a lot of money on a cruise! And, if you know where to look, you may be able to get a free cabin upgrade. Traveling has never been cheaper thanks to Travelocity.Promotion codes are found at various travel and bargain related websites. All you have to do is save the code and then use it when booking your trip through Travelocity’s site. You may be able to use more than one, depending on where you’re going and when. Make sure you look over the rules carefully so that you’ll know exactly what you can use it for.
The London hotel “Travelodge” is being built of an unusual construction material – cargo containers. Workers are building the hotel like a toy constructor, brick by brick. The amount of such iron boxes exceeds 80 units. Their interior design is similar to that of the usual economy class room. The accommodation cost makes up 19 pounds (25 Euro) per day, which is similar to prices in other hotels of the “Travelodge” network. One of peculiarities of the hotel made of containers is the possibility of its easy dismantling and transportation to another place if necessary.Londoners have different opinions on the strange hotel: some consider it ugly and spoiling the surroundings, others praise it as original and attracting attention. The hotel is expected to open in June.Of course one can argue a lot about such original means of construction and mobility idea. But the practical value of this decision should not be underestimated. Though, the unusual construction materials that are being used to raise up a hotel and weird appearance of the lodging site – are not a fresh inventions anymore. Touristic companies try to attract tourists by any possible means and the modern technology helps them a lot.There is already a restaurant in the form of an elk in Sweden that is made completely of wood. And there are already numerous hotels and bars all over world that are made of ice – and the visitors get special clothes after getting in to feel comfortable. Such establishments are already usual not only in the Northern places of our planet. And there is even an ice church in Romania and lots of young people have already expressed their interest to get married there because of the extraordinarity of this fact that the church is made completely out of ice.
Every one of us dreams of traveling by airplane and view the beauty of the world from the aerial view. There are many variants when it comes to air traveling, some of them were developed by freight or for commercial and company use.Why choose travel by air?Obviously one of the problems by land is lack of space. Meaning thousands of motorists traveling everyday and it seems that this will cause a time delay if you are heading to an important appointment. For busy people the time factor is very important.It is also a know n fact that traveling by air is much faster than its alternatives. We can assume that people traveling by air are those who have important things to do, like businessperson, authors, diplomats, travelers, government officials and some other important persons.If you are planning to travel by plane with a large number of friends and relatives to go to a far place and you want to avoid the hustle and bustle of transferring from one bus to another, air travel is the solution.Evidently, the most interesting spatial characteristics of an airport are its setting and relativisation of the social life implied by air travel.Cheap flight on the wayAlways put up with in mind that cheapest does not always mean the best. For instance, a courier flights may be cheaper than the student fare but restrictions and limitations can affect you personally.Some times traveling though a weekdays is unlike from the weekends. At times also staying one day or less or more could affect the fare price. Some airlines cut off their flights. Some of them scheduled it in every month and then two months.It would be cheaper to flight from one airplane then transfer to another rather than having a flying directly towards the destination.Fares depend on who the traveler is or his/her status. As much as traveler’s status is concern nowadays, the following people are the one entitled to discounts with some airlines, like students, young children, disabled persons, and senior citizens.Consulting an airline agent will be a great help to the passengers; it will surely be able to cover up all the issue and thoughts running in your mind about the flight. You can also bargain with the agent to have a good deal with them.Getting a flight and paying little is a tough job. It maybe concluded that that there are so many considerations and options in choosing cheap air flight whether local or overseas. Finding for cheaper ways to travel by air is not that easy. It will need to take a lot of time and patience.Just remember this that there is no charge to consult a travel agent. It would be better to find someone who can suggest you of those travel journals in order for you to know what would fits your needs.Travel agents will provide the best costumer service, full practical advice, and will assist you finding the information on cheap airfares when you need to travel. You also need to know information about last minute flight, hostel memberships, rail passes and hotel reservation.
Are you looking for airfare? Vehicle rental? A hotel room? Instead of booking each of these one of a time, it’s often better (and cheaper) to book them all at once. Just search for bundle vacation packages that include everything you need for your journey. Some travel bundles include just the basics: transportation (air and ground) and a room. There are also all-inclusive packages that include some nice extras, like meal discounts and entertainment.Last-minute packages are worth looking into as well, just as long as your travel needs aren’t specific. If you simply wish to get away for a few days, check and see which airlines and hotels are reducing prices at the last minute in order to ensure they are fully booked.Going for an all inclusive package? You can expect perks like free meals, free non-alcoholic beverages, transportation to and from the airport, local activities like sports and dinner shows, etcDon’t think that your choices are limited when it comes to bundle vacation packages. There are tons of airlines, car rental companies, and resorts that partner together to provide guests with affordable deals. Travel booking sites often offer suggestions to help you determine the best deal. Some of the hotels may require that you stay for a particular number of nights, which could be anywhere from two to seven.Special Requests in Bundle Vacation PackagesIt’s still possible to make special requests with the hotel, such as an extra night or late check-in time. Just let the booking site know about your requirements and it should pass the request along to the hotel. However, there might not be a guarantee depending on availability. You could always just call the hotel directly as well prior to your stay to request the changes and confirm availability.There are options to select a hotel for travelers with special needs. When searching through bundle vacation packages, there is usually a place at the sidebar or top of the page where you can filter results for specific criteria, such as “Accessibility Options”. You can also arrange results by price, number of nights, and hotel ratings.One thing to keep in mind when going over the results is the location of each hotel in proximity of the airport to which you will be flying. Will it be easy to get to? Does the hotel offer free airport shuttles? Is the car rental office located in between the two? If you’re not renting a car, are there any busses that run back and forth between the airport and the street the street the hotel is located on?It’s very easy to find and book bundle vacation packages online. You just need to make sure all of your needs and preferences are met.Now that you know about bundle vacation packages, you can start looking over them to find the best deal. Before you book the trip, however, be sure to use online coupon codes to help you save even more. It’s the best site for budget travel.
It’s hard to find anyone who hasn’t booked a hotel online nowadays. Thanks to hotel reservation services, you receive the added convenience of complete room photos and hotel tours, discount specials, and last-minute booking capabilities if you just find out you’re leaving on a business trip to LA tomorrow. But, before choosing an online hotel booking site, consider these pointers.o Hotel Selection-If you’re booking ahead, look for a service that offers you the most extensive room listings on your designated travel dates. A search for a room in New York this fall on the Hotels.com website yielded hundreds of page results!o Trip Cancellations-Make sure you know the site’s policy on reservation cancellations and refunds. Some services like Hotels.com allow you to cancel anytime in the event that ‘something suddenly came up.’o Reviews-Look for a site that provides a plethora of reviews from customers with firsthand experience. Trip Advisor, for instance, boasts millions of personal recollections of dream hotel stays and nightmare visits alike.o Room Photos & Tours-Hotels.com gives you 360-degree virtual tours, on top of photographs of standard rooms and suites. You’ll know exactly what you’re getting before you throw down the cash.Whether you’re planning a weekend snowboarding trip in Denver this winter or wish to try out a local bed and breakfast, the best hotel booking services will make planning your stay a cinch. As always, book early and keep your eyes peeled for special room rates. It isn’t uncommon for a room at some five star stunner to last mere hours if it’s on sale. You’ll be surprised at how much you can save when booking online.
Organising a holiday can be difficult, especially if you are on a budget. But it can also be exciting. Choosing destinations, locations and accommodation can give you a sense of excitement and anticipation for your forthcoming holiday.One way to make a holiday extra special is to book a stay in a top quality hotel. While you may think that high-class, premium hotels are the reserve of the extremely rich, thanks to the internet, it is now possible to source some fantastic deals and book a stay in one of the world’s finest hotels for a fraction of the standard cost.The first step to finding a great deal on a boutique hotel is to find an excellent booking service. You need a company that deals with leading luxury hotel chains and independent boutique hotels. They will have gathered together an excellent selection, and they will have negotiated excellent rates with the hoteliers.Once you have found the perfect luxury and boutique hotel booking service, you can get started finding the perfect hotel for your stay. You should have a budget in mind too. This could be the maximum amount you are willing to pay per person, per night, or it could be your total budget for the duration of your stay. Most hotels promote their prices either by room, or per person, per night, so it’s best to have an idea of your daily budget.Once you have chosen your destination, and you know the dates when you will be travelling, it is a simple process of entering these details into the website’s search facility. You will then be given a results page which will list all the hotels that meet your criteria.You can search for a hotel in different ways. For example, you could search for all hotels in Paris, or you could search for small guest houses in Rome. Equally, you could keep your search criteria fairly flexible and just enter the dates. This may give you results that reveal some excellent bargains in locations you have not previously considered.Always check out the ratings and feedback on hotels before you book. The site you are using will provide customer feedback and its own star rating, but in addition, it is always worth checking one of the travel review websites like Trip Advisor. They are excellent because they contain genuine reviews from real travellers who have stayed in the hotels you are considering.It is also worth checking the hotels own website. This will give you a chance to view additional images of the accommodation and facilities. Most hotel websites also includes samples of menus so you will be able to gauge the quality of the food and ensure the cuisine served is to your liking.Luxury hotels give you a little extra of everything. More comfort, better décor, more attentive staff, nicer surroundings, better quality food, and in most cases, a better class of clientele. But luxury travel is not about being exclusive. It is about giving yourself the very best because you deserve it. We all work hard, and our vacations are hard earned opportunities for rest and relaxation in the most comfortable, friendly and well-equipped hotels.
Frequent Flyers know that hotel reservations is the next thing you have to do as soon as you book your flights especially when you have only purchased flights, no accommodations. They know that in order for you to have a good time and to have the best vacation ever, within the Australian borders or outside, you need a good night’s sleep. So hotels are important too, in your travels, whether you are on vacation or on a business trip.Even when you are on a tight budget, make sure that you make hotel reservations on a good hotel. Most of us spend hours looking for the best flight for our vacation and spend minutes on finding a good hotel and making hotel reservations. We usually choose the lowest hotel room price. We love that don’t we. I am guilty as well. To get yourself a good deal when it comes to booking yourself a nice hotel room, book early and always try to be flexible with your travel dates. All hotels want to have a full house. That is their goal daily to get as much tourists, whether they are there for business or for pleasure. If you notice that there are some hotels that lower their rates during weekends. Look into that when making hotel reservations.There are some who still recommend going through a travel agent because these agents will ask for package deals for you, with the hotel of your choice. And if your travel agent is a frequent coordinator with the hotel of your choice, most probably it will be given to him plus a lot of freebies.
More and more cheap flights from St Louis are popping up all the time. Soon, a new airline company will be offering extremely affordable flights to Europe from Lambert Airport.As it is with any type of traveling, the more flexible you are with your plans, the easier it will be to find a good deal. All you have to do is enter a few criteria into a travel site’s search engine to view all of the available flights and compare the costs.About STL AirportThe Lambert – St. Louis International Airport serves millions of passengers every year. There are more than 250 departures a day to 70 destinations, both international and domestic. Keep in mind that airfare is not determined by the airline itself, but rather by the airlines. Each airline sets its own prices for flights. All major airlines, including Air Canada, Alaska Airlines, Delta, SouthWest, United, etc. Non-stop cheap flights from St Louis are offered to all major cities in the US, as well as Toronto and Cancun.Where to FlySome of the cheapest flights out of the Lambert Airport are to cities like Las Vegas, Tampa, Nashville, and Boston. All regions of the US are covered, whether you want to go out west, down south, New England, or just next door to another mid-western town. Depending on the time of year, you might also find affordable airfare and vacation deals from STL to Cancun, Mexico, or up to Toronto, Canada for a business trip. As mentioned above, flights to Europe will be more affordable in the future as well.The Popular RoutesIn addition to Vegas, a lot of Missourians like to fly to Orlando, New York, Honolulu, Chicago, San Diego, and Miami. If you don’t already have a destination in mind and just want to get away for a weekend, you might want to fly to one of these cities. At least look around online for a bit to see what kind of deals you can find.When to FlyThe destination isn’t the only factor when it comes to finding cheap flights from St Louis. The timing is important as well. If you are on a tight budget, consider flying out in the middle of the week, like Wednesday and Thursday. Unless a major holiday falls on one of those days, you should generally be able to find lower rates. Tourist season at the destination city plays a huge role in airfare, so do a bit of research to find out about the off-season for the cities you’re interested in flying to from St Louis.Whether you’re looking for cheap flights From St Louis for business or leisure, online discounts and coupons are always worth using. The company offers a guarantee that you won’t find lower prices anywhere else.
Pierced or non-pierced earsMany people have their ears pierced because:
they can’t find earrings with unpierced fittings
they find clip or screw fittings uncomfortable
they find pierced earrings more secure.
they prefer the way it looks.
For most, this works reasonably. Some people wear sleepers (when not wearing earrings) to keep the holes open.However, some can’t manage with piercings, either:
because the holes heal amazingly quickly, or
allergies mean that they have a reaction/infection when they are in intimate contact with various metals/finishes
cannot manage with most pierced fittings as they find them
don’t like pierced ears
Looking at earring fittingsThere are an amazing number of ear fittings about, some you see everywhere, some very common in particular areas, some are around but aren’t always easy to find and some are about as rare as hens’ teeth!Options for pierced earsVery common:
Fish Hook This is, is made in one piece with a loop at the front with coil and ball, then curves over in a ‘u’ shape and the long curved tail behind the ear. There are modified versions: Shepherds Crook without the ball or coil, or Balian Hook (wonderful to dance in) which has a longer back wire. These are comfortable so long as the wire is not too thin and the drop is not too heavy. Some versions have a flattened area above the coil. These can be uncomfortable because of the weight is distributed at the top point of the curve, or insecure (badly designed weight-wise) – and need a butterfly/scroll/earnut to secure them.
Ear Posts which come with a butterfly/scroll. These are a straight bar with a ball at the front and usually a loop hanging below the ball. They are considered by their devotees to be more comfortable because they are thicker wire and the weight is evenly distributed across the inside of the ear lobe, and secure because they come with the butterfly.
Kidney Safety wires come with a loop at the front and a hook that wraps around the straight back wire. Very secure, but still have the pressure point from the weight at the top of the wire.
Earhoops (which thread through the ear) – these are much favoured by many, but can be difficult or painful to thread if the end of the narrower wire is sharp. With the earhoops, particularly the larger ones, as with all ‘big’ earrings, there is the danger of clothing catching in them, and the earlobes getting ripped.
The Lever Back has a loop at the front with a lever behind it. The whole makes a fat oval shape the back coming down to fit inside the lever behind the ear – Not a quick job to put them in – very fiddly – but a very secure fitting and more comfortable than a fish hook.
The Creole is a smaller heavier hoop with a thin top loop with a hinge at one side and a groove or hollow to fit into at the other side. A fiddly design to put on, not as comfortable as a Shepherds Crook, but secure when on.
The Ear chains or Ear threads, which are either: a fine chain, or a chain with a u’ shaped wire attached to the middle of the chain, or a u’ shaped wire attached to one end of the chain. All have a straight wire thread attached to one end and a loop to the other end . These thread from the straight end and rest with the ‘u’ wire, or chain, in the ear, and any drops on the loop. The threading wire can also go through multiple piercings with a bead hung from each piece of looped chain. For balance the drops or beads have to be light, hence the ear chain is comfortable, but a bit of a performance to insert.
Options for ears that are not piercedFor those who want non-pierced fittings it is important to have the fit secure and comfortable. If the adjustment is done properly you can even bellydance in any of these fittings!
Ear clips are hinged at the base with a loop at the front and an angled back. They come in a variety of forms and sizes.
With a loop there are light small clips, clips with a small pressure point at both front and back, clips with a narrow pressure point at the front and a wide spread behind, and clips with large pressure points front and back. The comfort of each of these varies dependent on the make, but the softer metal clips can be gently eased or tightened with small pliers to get a comfortable fit. The hard metal clips are fine if immediately comfortable, but a pain (sometimes literally) if difficult or impossible to adjust. Try to discuss this with your retailer, it should be possible to get the clips sorted out. At our website designed for you (http://www.designed-4-you.com) we try to ensure that all clips are comfortable or adjusted for comfort.
Without a loop are clips with a pad or claw fit for stones or cabochons to be fitted to. These can come in a variety of styles, from plain modern to Victoriana, the former being the common versions to find. The comments above as to fit also apply to these.
Ear Screws are an ‘u’ shaped fixed size into which the ear lobe is eased, then the screw is tightened behind the ear until a comfortable fit is found. Finding the comfortable fit takes practise, but is possible.
Ear screws with a hinge are perhaps the best of the ear fittings for unpierced ears. The hinge is opened to fit the earring, closed then screwed to the best fit. The advantage of this fitting is that to take the earrings off the hinge is opened and the comfortable position is maintained for the next time the earrings are worn. These are as easy as clips to put on, and have the advantage of fine adjustment.
Earring fittings – what are they made of?Many countries, certainly all those in the EU are required to follow the EU Nickel directive which bans nickel from coming into intimate body contact including earrings for pierced ears.So now, generally earwires and pierced fittings are made from silver or gold plated brass.
Some are given an antique finish
Some are coloured gunmetal or antique copper.
For those who have difficulties with brass plated earrings there are other choices:
Sterling Silver (92.5% Silver),
Vermeil – 24 carat gold plated over Sterling Silver,
9 carat Gold – (37.5% Gold),
Rolled Gold – brass and gold pressed and rolled together at high heat,
Surgical Steel – considered hypoallergenic,
Titanium – for those intolerant to metal fittings,
Which can be obtained at reasonable prices (some are only available as Shepherds Crook fittings).Less common and at more expense:
18 carat Gold
24 carat Gold
can be found, and in some countries gold-filled ear wires are available.There is usually less choice for non-pierced earring fittings.Commonly available are:
Gold and silver plated brass fittings
Nickel ear fittings (still available for non-pierced ears)
Sterling silver ear screws can be found – at a price
9 carat gold ear screws are even more costly
Sometimes antique silver plated and gold plated brass can be found.
To date we have been unable to find more variety for non-pierced ear fittings but we continue to look.ConclusionThere is then a reasonable choice in ear fittings, and there are some of us around who try to make that choice available.