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Jewellery Appraisals and Valuation Certificates

 

Do you need your jewelry valued? We do this for you, whether it is for insurance or for your own piece of mind.

Our Jewellery Valuations are appraised by qualified goldsmiths and diamond assessors.

With today's problems of theft and crime it is vital having an up to date jewellery valuation certificate.

Insurance companies hesitate to pay out on outdated certificates - and it seems that consumers always end ip loosing.

Part of this can be blamed on our own failure to get the necessary documents in place - we buy expensive jewellery and don't get it valued.

The day we loose our jewellery is the day we regret not having documents and receipts. Jewellery valuations should be updated regularly - once a year at least, and if the rand / dollar is all over the place, sometimes sooner. If not, there is a good chance that the insurance company will pay out much less than it is worth.

Your pieces of jewelry should be listed with their weight and a full description. The gems should have carat weights and details - if you can attach a photograph of your diamond engagement ring or piece of jewelry the jeweller will be able to replicate it. If you have a diamond certificate from a diamond laboratory you will get back exactly what you initially purchased.

When you buy a diamond ring you should ask for a valuation from the jewellery shop. This should not be charged for.

You should also ask for the diamond certificate from a reputable diamond certification laboratory - if they can not produce one I would be hesitant of purchasing from them. The certificate will have details of your diamond, the co lour, clarity and weight. It also has a representation of the diamond, showing where the flaws and inclusions are - This is similar to a fingerprint of the stone.

When you purchase a diamond and it has no certificate it may mean a few. It may be that it is not a genuine diamond. It may also mean the the stone is a conflict diamond - ie: it comes from a region that has human rights abuses. Blood diamonds as they are called are not what you would like to propose to your future bride with - even if there is a big saving.

When you have an up to date jewellery certificate it helps when you want to sell your jewellery. Companies that purchase old gold and diamond jewellery will give you a better price if it has a certificate. When you wish sell your diamonds and jewellery you will also need to know it's true value.

To get get fair service and value, make sure that the company you purchase from is an member of the Jewellery Council of South Africa. This way you have recourse when there are hassles.

 

jewellery_council

Member Jewellery Council

Member of the Jewellery Manufacturers association of South Africa


There are a few companies which offer diamond certification:

HRD, IGI, GIA, EGL, AGS
The Diamond High Council, HRD, claims to be the world's foremost authority in gemology and diamond grading education.
HRD diamond Certificates are considered the one of best diamond certification companies, it is from the
Diamond High Council, which is a non profit organisation State controlled ISO 17025 HRD. HRD stands for"Hoge Raad voor Diamant"Translated in to English it is"Diamond High Council" DHC
IGI -Based in the  Antwerp World Diamond Center / Europe, independent IGI and state controlled HRD are more usual institutes for grading.
GIA - is a USA based grading institute of the Mouawad diamond family conglomerate preferred in the USA, IGI, GIA, EGL, AGS and other diamond laboratories are commercial companies.
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Do you need you jewellery valued? It is always a good id ear to have an up to date valuation certificate for your diamonds and jewelry
 


 
Business Continuity – Buy and Sell
It is true that for many of people their Business in their biggest asset. Experience has shown that few business owners take the time to consider the practical issues of an untimely death or disability of one of the partners in the business.
This can lead to an enormous amount of stress and heartache for the existing partners as well as the family of the deceased. The uncertainty around valuation, cash flow and business continuity create many unnecessary worries.
If you are in a partnership, a joint member of a Closed Corporation - CC, or a shareholder in a PTY Ltd then you need to find out about and implement a valid Buy and Sell agreement.
A professional financial planner from NCJ can walk you through the entire process and help you implement a Buy and sell to meet the needs of your company.
Click below if you would like someone to contact you to discuss Business continuity in the comfort of your own offices.
Key Person
Many businesses recognise their staff to be the most valuable asset in their business. What would be the financial impact should a key person die or become disabled.
Profits may be affected
Clientele may be lost
The creditworthiness of the business may be affected
How can the business protect itself? The solution is to take out key person insurance on the lives of these key staff members.
Click below if you would like someone to contact you to discuss Key person Insurance in the comfort of your own offices.
Investment
NCJ Commercial has access to over 300 of the top unit trust fund managers in SA. We offer low cost access to the best of Local and international funds through one administration point.
With access to fund managers like Alan Grey, Coronation and Investec we will assists in structuring an investment to suite your personal needs that is flexible and low cost, while returning top quartile returns on a regular basis.
Weather you have a lump sum to invest, need information on retirement planning or education saving we can help
Click below if you would like someone to contact you to discuss any areas of investment planning in the comfort of your own offices.
Medical Cover
NCJ commercial cater for both individuals and companies with regards medical cover. With a wide range of plans from Hospital plans to fully comprehensive cover we are able tailor a solution to meet you personal needs.
Click below if you would like someone to contact you to discuss any areas of medical cover in the comfort of your own offices.