Jewelry Tips For Those That Love Diamonds, Precious Metals, Perals And Gems

Whether you inherited some jewelry, received a piece as a gift or purchased a item for yourself, the world of jewelry can be a little confusing. Where should you look when it comes to finding knowledge on this traditional art form? This article will give you a better educated consumer of jewelry.

Use a polishing cloth for all of your jewelry clean and free from damage. This will give your jewelry shine and luster without having to use any chemical cleansers or solvents. Use the dual-sided cloth to gently buff your jewelry as you were cleaning glass. Use one side for polishing and the other to polish it.

This can dull your stones and the metal of the piece.

Always check with your jeweler about an insurance policy before buying anything. If you can get insurance, you can take it back and see if they will fix it! Some jewelers even offer insurance for jewelry that might have been stolen or lost.

Keep your jewelry pieces looking beautiful by protecting them from getting tarnished to preserve its best appearance. Try not to wear jewelry away from water.Water can dull and rust some metals to lose their luster or to become tarnished or rusty.If you want to give your jewelry a measure of protection from this element, prepare it by adding some clear nail polish on the surface.

It is especially important to follow this in mind when putting on earrings and necklaces.

Before purchasing a gemstone, find out if it has been treated, if any, how.The kind of care for a stone needs is dependent on what it was treated.

Plastic Wrap

Untangle knotted necklaces with delicate chains and necklaces. It’s easy to give up on some knotted metal mass; however, but try using some plastic wrap before you call it quits. Put the necklace on the plastic wrap and add a little baby oil.Use a sewing needle to untangle the necklaces. Wash it gently with a bit of dish soap and pat dry.

If you are trying to sell jewelry online, ensure that the photos you use make the piece look attractive. This is very important to remember because the potential buyer can not handle the item that is being sold.

Every diamond is unique in both its beauty and they all have slight imperfections. Some flaws may be less important to you once you actually see the diamond in person.

A good quality clap is very important for any form of bracelet or bracelet. If a clasp is not solid, you may lose them. You should add a safety clasp on any existing piece that may require additional protection. Some people may even choose to put a second or three clasps on their extremely valuable pieces to keep them safe during wear.

Now you see the wide and splendid array of jewelry that has been created. If you are willing to read up on the subject, you are almost guaranteed to find and keep a gorgeous piece of jewelry. The jewelry world is rewarding and exciting, so join in the hunt! The tips that you’ve just been given will help you find your way through this vast and wonderful world.



Become Skilled In Gold By Trying These Ideas!

Gold is the king of global finance world. Don’t you want to learn more about gold so you can keep your investments profitable? You need to think about everything from making a buy of raw gold or purchase shares. Keep reading for some valuable tips that will help you when it comes to gold.

Delivery Date

Before you buy gold, schedule a timely delivery. If you don’t get delivery immediately, get the delivery date in writing. The expected delivery date of arrival should be listed. Don’t not follow through an order without this documentation.

Learn how precious metals are priced before you trade in gold. The values of precious metals fluctuate daily, so be certain you know the spot price before any transaction. You may be required to spend more on melt values if you are working with fractional pieces. You might pay more for something that is 0.25 ounces versus something that is 1 ounce.

This can be done over time, and you can see how this can make a valuable investment. Keep it inside a safe until you have an sufficient amount to cash in.

Get an appraisal if you do not know the value your gold holds. This requires a bit of an investment, however it is crucial if you want to know the true value of your item. If you continue with your plan to sell, be aware that it’s not likely for you to get full retail value of your item.

Pawn shops and many private sellers may just want to pay melt value.

Antique stores may hold valuable gold. Just make sure you know what to look for. Lots of folks donate items or sell them in such venues simply because they lack knowledge of their true value. You can reap the benefits of their loss if you do your homework first.

While gold buying can be fun, try not to discuss your purchase with others. You never know who might overhear your conversation and who is truly trustworthy. Make sure that your gold investments to yourself and protect them by storing them in a local bank safe deposit box. This ensures that your gold is protected under any circumstances.

Use a magnet to determine if an item is really made of gold or another precious metal.Precious metals like gold are not respond to magnets. Sometimes a jewelry piece is only plated in gold with a solid but the rest is plated. This is a good test that.

Research the gold market ahead of investing. Some people will make false claims to try and attempt to get you to invest with them.

Look around before deciding on purchasing from a gold buyer. The offers may be hugely varied. If you choose to sell to the first buyer, you might get a bad deal. Wait a bit of time so you have the greatest cash in your pocket.

One choice for selling gold is through the mail. A lot of sellers enjoy doing this process due to the simplicity.

A good way to get a good price on gold inexpensively is to ask your relatives for their broken jewelry that they want to sell. If you can buy it from them at below melt value, you can offer friends and family a higher price than what they would receive at a pawnshop.

Know what your investment goals before investing in gold. Gold can provide a hedge against inflation, but it’s also a very volatile one. If you’re able to set a limit on being exposed to it and have a few things in mind before you set out, you will be better equipped for making a good investment.

You can easily test whether a gold piece of jewelry is real by using a simple magnet. If it is a true precious metal, it will not adhere to the magnet. In some cases, individual parts of a piece (like the clasp) may be solid gold while other parts are plated. Using this technique will help ensure your pieces are solid gold.

Find out about the buyback policy is.Some gold buyers charge you a premium to resell your gold while others do not. Think about the extra charges concerning sending coins or bulky bars to a gold of all kinds to different geographical locations. It is always best to hold on to the gold as soon as you purchase yourself to ensure its safety.

This article has taught you a lot about trading gold. Now, you’re equipped to make smart investment decisions. Use this advice to begin investing in gold to build your future wealth.



Everything You Need To Know About Shopping For Jewelry

Whether you buy jewelry for yourself or loved ones, get it as a gift or receive valuable heirloom pieces, it is important that you are aware of the best buying, selling and cleaning jewelry practices. This article will provide you how to best shop for it effectively.

Use a soft cloth for all of your jewelry as often as you want. This easy technique can make your jewelry bright and shiny without having to use of harsh solvents and chemicals. Use this two-sided cloth on your jewelry just as you were cleaning glass. Use one side for polishing and the other to polish it.

Tip Help! Clean all of your jewelry with a polishing cloth. This will allow your jewelry to shine without using chemicals.

Keep your jewelry stored safely and away from both air and humidity. Certain metals begin to tarnish when exposed to humidity or air. Precious metal jewelry can be polished to fix tarnish, but non-precious metal needs a special polish.

When shopping for sterling silver jewelry, take with you a magnet and a monocle. If an item of jewelry is attracted by a magnet, it will be attracted to the magnet.You will always find a hallmark stamp such as “.925″ or “STER.” on genuine sterling, or alternately,” “ster, “STERLING”. If you don’t see a stamp of any sort on a piece, be leery of its authenticity because oftentimes it is a sign of a fake.

Take a look at the diamonds up close, and then make the comparison to any others on your favorites list. Be careful of tricks that jewelers use to make a diamond look better than it is.

Tip Help! Don’t use things that contain harsh chemicals like bleach, ammonia, acetone or turpentine, to clean your jewelry. This will result in damage to both the stones and the metal of the piece.

The stone is an important consideration when shopping for new jewelry. The gemstone you choose should work with your skin tone and make a statement about your personality. Neutral colored stones will work well with any outfit in your clothing.

You should carefully consider how to best ways to take care of your jewelry. What works well with one piece of jewelry could dull or damage another. Ask a jeweler when you do not know how to take care of your items.

If you are buying jewelry for someone who values her individuality, look for an item of jewelry that is in line with their clothing and lifestyle choices. A unique piece like this that matches their personality appears creative and thoughtful, necklace or bracelet conveys respect for and appreciation of the recipient’s creativity and personality.

Tip Help! Take the time to notice what kind of jewelry they already wear. For example, if they wear earrings, are they hoop or studs? Do they prefer white or yellow metals? By doing this you should have a good idea what to buy them.

Have definite plans for a piece of jewelry you buy it. You should not have a huge box of jewelery that you are never going to put on. Think about the outfits you can wear the jewelry with when choosing jewelry.

Well-maintained jewelry holds both its resale value and sentimental value. When you protect your jewelry you help protect both your investment and your memories. There’s always more to learn, and as long as you keep discovering about the delight of jewelry, there’ll be more to enjoy.



Have Questions About Gold? Get Your Answers Here

Gold is very important in the finance world. Are you interested in learning more on gold investments as a way to ensure a good portfolio?You must consider many different things when you are deciding whether to buy raw gold to buying company shares. Keep reading to learn some more information about gold as an investment vehicle.

Only buy gold jewelry from a seller if they have a return it.If the gold turns out to be fake, it is important you can return the piece for a full refund.

GoldMoney could be a popular resource to use in gold buying efforts. This is the equivalent of establishing a bank account. You will simply establish and account, deposit funds and receive an assignment of gold that fits the value of your account. The gold will physically sit in the bank where you can cash it, cash it, or in some circumstances, you can redeem it for gold bullion bars that weigh a kilo.

When you sell gold, get an idea of value from a number of sources. Venues that buy gold will only pay you a percentage of what your gold is worth in order to make a profit. Getting estimates from several establishments will help you make sure that you receive a fair price.

You may even be able to find valuable gold; places like thrift shops or garage sales. You can find bargains if you understand what to look for.You can benefit from the seller’s loss if you just know what to look for.

Know what it is you actually have in your possession. Not everything that looks like gold is worth what you think it’s worth. Other metals are often mixed with gold in order to make it stronger.This makes the price. This also applies to gold plated with gold.

Look around before buying from a gold buyer.You never know what kind of offers you wind up getting! Going with the very first buyer who comes along might not be a good idea. Take a bit of extra time at first so that you have the maximum return on your gold investment.

Prior to buying a piece of gold from a seller, make sure you schedule for timely delivery. If this is not possible, make sure you get a written contract outlining when the items will arrive. There should be a date listed for when you can expect them. Only make the order if you have such a document.

Research the market is doing before investing. Some people swear they’re market experts and get you to invest with them.

Always read small print of any contract so you understand it completely. You should carefully read the whole contract especially if you’re using a mail-in purchasing service to sell gold. This lets you keep better track of proceeds you need to pay for fees.

One way to sell gold is to send it away in the mail. Many people prefer this option because it is simple.

You might balk at the high cost of gold, causing you to select gold-filled or gold-plated items. You can acquire gold jewelry from a number of sources at a reasonable price. It is cheaper online and at pawn shops.

This article has taught you a lot about trading gold. Now your decisions can be solid. Use the advice that has been provided so you can invest in gold with confidence.



Read This Piece For Helpful Gold Information

The price of gold change rapidly.Keep reading to learn more about the gold for yourself.

Precious Metals

Do not dabble in the gold market until you know how pricing of precious metals works? The prices of precious metals fluctuates daily, so be certain you know the spot price before any transaction. You must to pay a higher percentage for fractional pieces like half ounces and quarter ounces over the melt prices.

It is crucial that you have a solid idea about how the gold and precious metals market works. The prices of metals like platinum, gold and silver can fluctuate greatly in just one day. Before you do any buying or selling, check the market prices beforehand. You may be required to spend more on melt values if you are working with fractional pieces. You might pay more for something that is 0.25 ounces versus something that is 1 ounce.

Research any gold buyers and compare them to obtain the best price for your gold.

The cost of gold may give you the idea that gold-filled or gold-plated jewelry is better. You can acquire gold jewelry without spending a fortune at a reasonable price. Pawn shops and there are also many online sites have hundreds of gold pieces for sale.

Check the current price in the gold market before you sell any jewelry. This can help you will know if a dealer’s offer against the current market rate.

The cost of gold may put you off. It is very possible to buy real gold without spending a lot of money at a jewelry store. You can buy gold jewelry more cheaply in pawn shops or online.

Only buy gold jewelry if they have a return it. If that happens, it is important you can return the piece for a full refund.

Pawn brokers and many private sellers are only looking to pay the melt value.

Make sure you know the spot price of gold the same day you plan to buy it. This price can be found on several different websites. Never pay in excess of 8% markup above the gold prices. Some dealers are going to try and charge you more, but that isn’t ethical.

If you are looking to gold as a retirement vehicle, be certain you invest in the proper kinds of gold. The gold has to be IRS approved. It must be in the form of 24K coins or bullion bars. Since gold bars are worth more than coins, it is best to buy them instead.

Be aware of the gold in your possession. Not all pieces that appear to be gold piece are worth their weight in gold. Other metals are frequently put together with gold in order to provide strength. This makes the price. This also applies to pieces that are just plated.

Shop around before you decide which gold buyer. You might just be shocked to see how different the spread of offers are! Going with the very first buyer who comes along might prove a good idea. Take a little bit of extra time at first so that you have the maximum return on your gold investment.

Research gold before you invest in gold. Some individuals pretend to market experts in fact just trying to dupe you into investing through them.

If you want to invest in gold but do not have much money, think about purchasing scrap. This can be done bit by bit. For example, you might invest a bit each payday to amass an impressive collection of gold as time passes. Keep it inside a safe location until you get enough to cash in.

Always read small print of any contract so you understand it completely. You should carefully read the whole contract especially if selling through a mail-in purchasing service to sell gold. This helps you keep better track of how much you end up with after any fees are taken off the top.

One way to sell gold is to do so through the mail. Many people prefer this process because it is really easy.

Read all the fine print when meeting a gold dealer.This business has its hands in a large money making endeavor with lots of money. You need to completely understand the contract you are committing to. If the terms are unacceptable, walk away from the deal. You must protect yourself financially.

Take your old gold that you want to sell to a number of different gold-buying companies before settling on one. Even though the market “spot” gold price is the national standard, not all stores will pay it. Stores that aren’t in big shopping malls tend to have much lower rent and may pay more.

You may get great deals when buying gold from individuals. You need to understand the risks before purchasing any gold. If someone is selling a coin for bargain basement prices and you have some reason to believe they’re not ripping you off, go ahead and make the purchase.

As you surely know, gold is the constant that our financial system weighs again. So, to get everything you can from gold, it is important to learn about it and understand how it can be part of your sound financial future. Be in control of your gold investment by using these tips.



For The Best Advice Around, Check Out This Article On Jewelry

What do you get out of jewelry? Can you identify the diverse qualities and more valuable pieces? These tips can help you learn about the complexity of jewelery. This article will give you answer some great advice on all your jewelry questions.

Know which kind of stone you make a jewelry purchase.There are three unique types of stones: imitation, synthetic and imitation. Natural and synthetic gems are real stones, while an imitation gemstone is just a plastic mold made to look like a gemstone. Natural stones are found underground and synthetic ones are created in a lab.

Jewelry is an investment that can last forever. When you look for a piece of jewelry, you should always buy from a reputable store or dealer, ensuring that the piece you choose is of high-quality. A high-quality piece of jewelry will be well-made and feature superior craftsmanship. A jeweler should know about each piece he sells, including the person that made it, where it was manufactured, such as previous owners for antique or estate pieces. It is important that your pieces are high-quality jewelry if you want it to become a long time.

Look at what you like close up, and keep that in mind so you can compare it with other diamonds you look at. Be aware that jewelers use cheap tactics to make a diamond look better than it is.

Before you buy a new piece of jewelry, research current trends. The only thing that beats getting a new piece of jewelry better is if you get it at a discount.

Keep your jewelry from getting tarnished to preserve its best. Try to keep your jewelry when you are around water. Water can dull and rust some metals to lose their luster or to become tarnished or rusty.If you must take your jewelry somewhere wet, coat it thinly with clear nail polish.

Costume Jewelry

You need to take special care when you are buying costume jewelry. A lot of costume pieces are glued in and not set in. You want to avoid immersing your jewelry and make sure to stay away from the use of harsh chemicals. The best way to clean these pieces are to wipe with a damp cloth and dry immediately with another cloth. This will ensure that all of your costume jewelry look dull.

If your “giftee” is a unique person, think about buying a piece that’s the same: unique and specially-crafted. A unique piece like this that matches their personality appears creative and thoughtful, which is exactly what you want to express to a person you care enough about to buy jewelry for.

This tip is especially important when earrings and necklaces.

You could save a lot of money if you are savvy. Check for great sales online, online, and in store windows. If you buy fashion items at the end of their season, you can get it for almost 50 percent off of its original price.

Every diamond is unique and has individual flaws. Some flaws may not seem that critical to you once you actually see the diamond in person.

Brand name should not be the only consideration when buying jewelry. There are excellent quality brands.

If you are wearing a simple outfit, don’t wear a gaudy outfit to match. Try wearing something simple black dress for a gorgeous and classy outfit.

If you create jewelry to sell, holiday markets and such, you need to display it to its best effect. When you are out looking for materials to create your jewelry, also be on the lookout for creative display materials. You can make attractive jewelry displays out of virtually anything, baskets, racks, etc.

Follow this article’s tips when you wish to purchase jewelry for someone or yourself. Make the most of every jewelry purchase by knowing how to identify a great piece and a great deal. Becoming a jewelry expert takes education about the art, and learning experiences.



What You Must Know About Buying, Selling And Trading Gold

The market value of gold always seems to be almost continuous. If you want to put your mark on gold investing, know that you are able to trade gold like the pros. Here are tips that will help you off to a good start in the gold market.

If you decide to send your jewelry to a company through the mail, you need to be sure you do your research first. Find out when you can expect your payment, and get insurance for your package.

The IRS must have approved the gold.Bars typically are more valuable than the coins.

Read reviews and do your research before choosing a dealer to buy your gold. Look at the BBB website online for ratings, reviews, complaints and more. Also get more than one offer for your gold. This will ensure you get the best possible price.

This can be done over time, and can lead to an accumulation of real value in the span of a year or two. Keep your collection safe until you get enough to cash in.

Spot Price

Make sure you know the spot price of gold the day you plan to buy it. This price can be found on several different websites. Never pay any more than an 8 percent of the spot price. Some dealers will try to charge more, but that’s overcharging, which is generally unethical.

You should always ask for timely delivery when purchasing some gold from a reliable seller. If your seller doesn’t give you an immediate deliver, get it in writing confirming when you are to expect your piece. You should have the date of delivery clearly listed. Don’t go through an order without this documentation.

Sell gold to buyers who are state licensed by the state. There are plenty of buyers for gold, so do not think that you must go with the first one you encounter.

There are many unscrupulous companies in the gold market.You need to exercise caution and do your research to keep yourself safe.

Research the daily spot price of gold before you attempt to sell your gold. You should shop around to get an idea of what people are offering for as well. This lets you figure out a fair market value starting price point.

Check the current price in the gold market before you sell your jewelry. This way, you’ll know whether you’re really being offered a fair price. Most dealers are honest and stick close to market value, but a minority try to rip desperate people off by low-balling their offers.

Research gold before you invest in gold. There may be unscrupulous dealers claiming to be market gurus who are trying to lure you into investing with them.

Separate your gold into groups based on karat weight. Some buyers will weigh all your gold at once and pay you for the lowest karat. This is a scam that will cheat you receiving less money.

One thing you can do to sell gold is through the mail. Many people prefer this option because it is simple.

Scrap gold is an excellent investment if you are working with limited investment money. If you do this on a regular basis your collection would grow quite quickly. Stash your gold in a place that is safe so that you can cash it in later.

Read all the fine print when meeting a gold dealer.This business with large amounts of money. You must be fully aware of any form you’re attaching your signature to. If you aren’t a fan of the terms, be prepared to move on. You must protect yourself financially.

Now that you have read this piece, you ought to have lots of ideas about getting started with gold investing. Whichever way you get involved, you can realize profits with these tips. Take what you have learned here and go forward feeling confident.



What They Don’t Want You To Know About Shopping For Jewelry

While shopping for jewelry can be really fun, things can get stressful when you are in the market for an expensive item of jewelry.An inexperienced jewelry shopper might pay too much.This article contains some great tips to help you how to make a wise jewelry purchases wisely.

Use a soft cloth to keep your jewelry pieces. This method to maintain the appearance of your jewelry stays shiny without having to use any chemical cleansers or solvents. Use this two-sided cloth on your jewelry as you were cleaning glass. Use one side to shine it and the other for improving its shine.

This will result in damage to both the stones and eat away their enamel.

Sterling Silver

When shopping for genuine sterling silver jewelry, it is a good idea to bring a small magnet along with you. If the piece you are examining is not silver and is made from non-precious metal, it is not sterling silver! Only non-precious metals can be drawn to a magnet. You can identify sterling silver by its markings, or alternately,” “ster, “STERLING”. If you don’t see a stamp of any sort on a piece, it could be because it is not real!

Before buying a new item of jewelry, do research to determine which styles are hot and which are not. The only thing that beats getting a new piece of jewelry better is if you get it at a discounted price!

Always ask the jeweler about insurance policy options before buying anything. If something happened to your jewelery, you can come back to the store and have it repaired or replaced. Some jewelers will offer insurance for jewelry that might have been stolen or lost.

Costume jewelry can prove to be a good investment, but an item that shows major signs of usage will be a poor investment of your time and money.A piece that is in good condition will increase in the future.

Consider the stones when you buy jewelry. The right stone will enhance your skin tone and suit your personality.Neutral colored stones will work well with many different outfits.

Before you buy a gemstone, ask the jeweler if and how the gemstone was treated. The kind of care for a stone differs greatly depending on how it was treated.

Have a purpose in mind for the jewelry you buy it. You do not need a huge box of jewelery that you are never going to put on. Think about your most-worn wardrobe pieces when choosing a piece of jewelry.

This includes both dry saunas as well as steam saunas. The moisture and heat are very damaging to the jewelry.

Every diamond varies and possesses particular flaws. Some flaws may not seem that critical to you when you see it in person.

Brand should not be the primary concern when buying jewelry. You can find excellent quality from various brands.

When shopping for expensive jewelry, you want it to last for many years. You usually get good quality when you buy something expensive, but make sure you select something that will not go out of style. Something that is cool and trendy right now might not look so stylish in a few years. Try and find something that never go out of fashion.

Whether you’re shopping for a ring, watch, necklace or other piece, you should now be better equipped to make wise purchasing decisions. You will be able to use these tips to save a good amount of time as well as money.



Using Gold For A Better Quality Of Life

How would you respond if someone said that gold investments can be a financial dreams possible? You only get to do this if you know enough about gold to deal well in gold. This article will get you started with some great tips from the experts.

Get several opinions about the value of your tangible gold piece before you put it up for sale. There are a large number of venues for selling your gold, but prices vary from one professional to the next. Getting estimates from several establishments will help you to understand what you can get for your gold.

Bullion bars are an excellent gold investment you can make. They are available in varying weights. They range from a half an ounce on up to 400 ounces. The larger sizes are generally hard to find.

When you invest in gold, it is a good idea to go with buillon bars. The weights vary. They can be as small as half an ounce or as large as 400 ounces. It will be harder to find the bigger bars.

Precious Metals

Do not dabble in the gold market until you know how pricing of precious metals works? The prices of precious metals fluctuates daily, so be certain you know the spot price before any transaction. You should be ready to pay a premium to the melt values if you’re buying less than one ounce pieces.

Think about selling your gold on the internet. You don’t have to go to a physical store location to sell gold any longer. There are dozens of reputable websites out there you can buy and sell all your gold. The site will send special kits where you are to return your items.

You can sell gold online. It is now easy to sell gold without having a physical store location. Take advantage of websites that allow you to sell gold. You can get a kit to send your gold to these websites for money. If everything is okay, they will pay you whatever their current rates are.

Understand that any item containing gold dealers are interested in all gold items. It could be a broken jewelry item, gold table ware, home decor items or anything that is in the house. It doesn’t have to be 100% gold either. It may simply be gold plated or maybe only a part of the item has gold within it. You still stand to make a nice return on the sale of profit.

Pawn shops and private sellers are only looking to pay melt value.

Check spot prices of golds the day you plan to buy. Many websites contain this information daily. Never pay more than 8% premiums on the gold prices. Some sellers try charging more, but they are overcharging and oftentimes, which is generally unethical.

If you are buying gold as a form of a retirement fund, make sure to buy the right kind. The gold must be approved by the IRS. They require that the gold be coins or bullion bars that are 24 karat. Consider buying bars instead of coins, since they tend to be more valuable.

You never know where you will find old gold at thrift stores are often great places to discover good deals. You can find bargains if you understand what to look for. You can reap the benefits of this if you do your homework first.

Many pieces of jewelry will be stamped with a stamp on it. Sometimes, however, you won’t be able to see any kind of a stamp, so many representatives have other methods of figuring it out. Acid tests are simple ways to do this, so if a representative is using this, they’re probably new to the business.

Though you won’t get rich overnight, you will have the ability to build a profitable portfolio by using these tips. Smaller goals will easily be reached as time passes. Slow and steady wins the race, so don’t rush it and enjoy the process.

Consider a fair return policy as an absolute necessity when you’re purchasing gold jewelry, especially if you intend to make a gift out of it. It is hard to tell if that jewelry is going to fit another person, or if that person is going to want it. If that should occur, it is important you can return the piece for a full refund.