Do You Need Life Insurance? Tips For Getting the Best Life Insurance Quotes

Life insurance policies help to cope with sudden instability in financial status, especially after the tragic loss of an earning member of the family. You can invest in various types of policies that provide numerous options of financial coverage after your death or disability, to take care of the monetary needs and requirements of your family and loved ones. Thus a life insurance policy is an essential long-term investment that everybody must think of early in life so as to make concrete financial arrangements for the unpredictable future.How much financial cover one needs actually differs from individual to individual depending on how much your family (specifically your spouse/partner) requires to cope with post-death expenses, repaying mortgage, car loans, credit card dues, real estate taxes/debts, retirement income, children’s education, maintaining living standards, and so forth. While deciding which policy to buy, always contact a genuine and licensed insurance agent who can assist you in determining precisely how much insurance you will need, calculating from your requirements and aspirations for the future. They can also suggest which type of policy will be ideal for you in fulfilling your needs. There are two broad categories of life insurance policy that most US citizens invest in as per their necessity. These are:

Term life policies – Its sub-categories include: Level term policy, Renewable/non-renewable term policy, Decreasing term policy, Convertible/non-convertible term policy, Short/long term policy, Group life insurance policy.
Permanent life policies
Its sub-categories include: Traditional whole or ordinary insurance, Universal or adjustable insurance, Variable insurance, Variable-universal insurance.How do you grab the best quotes and save lots of money on your life insurance coverage? Well, you just need to click your mouse and log on to the various websites on the internet where several top insurance companies compete with each other, offering attractive premium rates on different types of policies. You’ve got to search for sites that give you a list of insurance companies and offer free, instant life insurance quotes within minutes. You shall need to fill out an user-friendly online life insurance rate request form mentioning your requirements and specifications. After filling out the form you will be provided with instant life insurance quotes from half a dozen different insurance companies/agents. So there you get the opportunity to compare different premium rates and find the best quote that will securely seal the financial fate of your family after your death.Many of the top insurance companies sell their products through agents rather than directly to the public. So you should first get hold of a good online quote before selecting an independent insurance agent. A good life insurance quote depends on several insuring factors related to your overall health and lifestyle such as smoking, health history of you and your family specifying heredity heart/cancer diseases, height, weight, driving record, etc. So instead of spending hours talking to every insurance agent in the yellow pages and cramming your mind with complicated options, simplify your search for the best rates on your insurance policies by just spending a few minutes online to get the cheapest and best quotes today! Click here for more tips and article to help you save money on your next life insurance policy.

Cheap Flights and Historical Sites Of Aruba

Cheap flights headed to Aruba are really common these days. In fact, if you are going to Aruba you could enjoy both history and culture plus the great dive sties offered by this small island. Located near the equator, Aruba is a small island with the best dive spots and the best beaches anywhere near the Caribbean.With a splash of history, you can see Aruba’s Spanish influence in its life and culture. During the 1500, this was a bastion of Spain making it a great historical place for you and your family to visit. It was first discovered by European super powers back in 1499 by Amerigo Vespucci. Amerigo Vespucci was in awe of its riches and even of its natives calling it the land of the giants. Returning to Spain with cotton and with the other much needed commodities, it became a colony of Spain for the next century.Today, Aruba is under The Netherlands. Aruba considers Queen Beatrix as its head of state though it carries a 21 member parliament. From the cheap flights that you could now afford from the different airlines headed to Aruba, you could actually get to visit many historical sites in this island. Though it is a relatively small place, you can’t get enough of its history.There are sites which will remind you of the Spanish and even the 2nd World War’s presence on the island. One of the many sites that you could actually visit is the California lighthouse. This lighthouse is located within the proximity of the Arashi Beach. Located in the Northwest part of the island, this lighthouse has been named after a steamship which wrecked back in 1891.If you are looking for a bit of history and nature, you can visit the Arikok National Park which takes a large 18th percent of the Aruba Island. If you are after picturesque places, the Arikok National Park is among the most sought after destination for its different rock formations from limestone to lava formations.The Frenchman Pass, the narrow passage known for gallantry of the natives in the 17th century is one of the historical sites that you don’t want to miss. The story goes when the French pirates back in the 17th century tried to invade Aruba. After so many years, this place was called the Frenchman Pass or “Franes Pas.”To truly enjoy the different sites of Aruba, you need to know a bit of history to the island. You need to understand the greater things that happened in the long history of Aruba to appreciate more than its beautiful sands and diving spots.These days, you can visit Aruba even if you are on a tight budget. There are more and more people getting the cheap flights towards the island year after year enjoying not only the three sites given but also the other areas like the prime dive spots that Aruba prides of. Among the other sites that you might want to visit in Aruba are the Natural Pool and the Lourdes Grotto which are becoming popular among tourists today.

Enjoy the Pleasures of Staying in Cheap Hotels in Las Vegas

It is a myth that there are no cheap hotels in Las Vegas! Yes, it is a city which is full of glitz, glamour, style, class, luxury and entertainment, but that does not mean you have to spend a fortune for accommodation in the city. The city is a very popular tourist destination, not only with the USA, but with people from all parts of the world. Anybody who wants to have a good time for relaxing and rejuvenating during a vacation can head over to Vegas. They will not have to worry about spending too much money as well, since there are plenty of cheap accommodation facilities available in the city.Hotels in Las VegasVegas is a very popular destination for tourists and that is why, there are several hotels located in the city. The city has hotel accommodation facility for all types of travelers – the various types of hotels available are luxury hotels, deluxe hotels, theme hotels, budget hotels, cheap hotels etc. You will have to choose a hotel, depending on your budget and other requirements. If you are looking to explore the various nooks and corners of the city, taking a hotel in the city centre would be a good idea. However, if you are stopping over in the city for just a night, the airport hotels in Las Vegas would be a good choice.How to find cheap hotels in Las VegasFinding a cheap hotel in Vegas, would not be difficult, if you know how to go about it. Taking a look at the list of cheap hotels in the city would be a good way to begin your search. The cheap hotels come laden with all types of facilities; you will have to decide which one you would prefer. Some of you might want to go and see a particular show, or go gambling or you would simply like to go around the city and soak up the atmosphere. Based on what you want to do, you will have to choose a cheap hotel, which provides you with all these facilities. If you are traveling with your family, it is suggested that you find a family friendly cheap hotel in Vegas and enjoy your stay in the city.Since the hotels give you affordable prices, it does not mean that you will not get good facilities during your stay. All the hotels have modern amenities to take care of any type of guest requirements. Some of the facilities available at the cheap hotels in the city include Casino, spa, bars, restaurants, themed garden, live entertainment, assortment of mouthwatering delicacies, fitness center, sauna, steam room, nightclubs etc. Just because you have less money to spend on accommodations, does not mean you have to miss out on a chance to enjoy various facilities available in the city; most of them are easily available within the hotel.List of cheap hotels in Las VegasListed here are some of the cheap hotels in Vegas. While looking for a cheap accommodation, you can consult this list.Plaza Hotel
Hampton Inn
Paris Las Vegas
Super 8 Nellis Motel
Circus Circus Hotel
Riviera Hotel and Casino
La Quinta Inn and Suites
Tuscany Suites and Casino
Best Western Nellis Motor Inn
Atrium Suites Hotel
Ambassador Strip Inn Travelodge
Imperial Palace Hotel and Casino
Holiday Inn Express Hotel and Suites
Excalibur Hotel and Casino
Clarion Hotel and Suites Emerald Springs
Embassy Suite Hotel and Convention Center
Best Western Mardi Gras Suites and Casino

Lanzarote Flight and a Wonderful Vacation

Are you planning for a holiday in Spain? Then why not consider the island of Lanzarote, which is one of the largest of the Canary Islands. You can avail facilities from 33 airlines from various international locations flying to Lanzarote. The most prominent of them are Binter, Spainair, Canarias and Iberia. It takes just 2 hours and 25 minutes from Madrid and it is a shortest nonstop Lanzarote flight. Most airlines offer lucrative deals for a cozy Lanzarote flight and you can enjoy a wonderful vacation whether you are a new comer or frequent visitor.Flights to Lanzarote from other international sites take about 4-5 hours. Air at Arrecife is the airport at Lanzarote, popularly known as Guacimeta among the natives. It is located between the island capital of Arrecife and Puerto del Carmen, a famous tourist town. The airport has bars and restaurants and host of modern amenities. Shops remain open from morning 7:30am until evening 10:00 pm. Bank machines and Foreign Exchange retailers are conveniently located within the premises for easy transactions and the island accepts all major credit cards to make your stay comfortable and enjoyable.Taxi services at the airport are a pleasurable extension of Lanzarote flights. For visit to Costa Teguise from airport costs about 20 Euros with travel time of 15 minutes, 15 Euros with travel time of 20 minutes to Puerto del Carmen and for Playa Blanca it is 40 Euros with travel time of 45 minutes.Ferry service and cheap Lanzarote flights makes an easy access to Canary Islands. You can swing from one island to another with ferry or flight. However, each island has plenty of hotels and stranding at any of the place never becomes a problem. You can also reach the island from mainland Spain by boat. Every Saturday ferry leaves for Cadiz and reaches Arrecife the following Wednesday. If you wish to reach Island faster, plenty cheap flights to Lanzarote are available and you can book the same through internet.Lanzarote is a delightful place when compared with not only nearby islands but also with other places on this earth. It has discerning landscape when compared with other tourist places. Natives say God on His seventh day of creation just forgot this island. Island’s specialties are Timanfaya National Park, Castillo de San Gabriel, La Cueva de los Verdes (Green Cave) and volcanic lunar landscapes. So take a Lanzarote flight and have a wonderful vacation at this most fascinating site.

Bundle Vacation Packages – What You Need to Know About Travel Deals and How to Find Them

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.

Maximize Hotel Booking Solutions and Get the Room You Want

Hotel booking solutions are hot these days. That is because the travel and tourism landscape is sizzling and it continues to grow. And a big part of this growth is driven by the relentless hotel internet marketing that many accommodation providers employ in their overall marketing campaign.But before you key in your details on any hotel reservation software, you should learn how to get the accommodation that you really want. As an ordinary business or vacation traveler, the last thing you need is stay in a room that you have not even pictured in your worst nightmares. Here are some tips to getting that perfect accommodation.Know Your Accommodation PreferencesYour first step in reserving a hotel room is to ask what type of accommodation you really want. For most business travelers, a room that comes with free breakfast and unlimited Wi-Fi access may be more preferable than a room that offers free valet parking or 180-degree view of the city. In the case of those who travel for rest and recreation, perhaps a wallet-friendly accommodation that offers coupons to sightseeing tours or trips to shopping centers is more desirable. Knowing the type of room that you want to stay in saves you time and effort in making your choice.Learn To Compare Accommodation FeaturesNo two accommodation features are equal. Somewhere down the line, Hotel A will provide invaluable peculiarities that Hotel B just can not match. It could be a well-informed staff that can easily help you fix your broken laptop or provide tips as to the best things in the locality. Or it could even be the deafening silence that can help you correct your botched-up sleep pattern. By comparing hotels before reserving your stay, you get more value for your money in the end.Always Consider The Place You Plan To VisitWhen choosing the hotel you want to reserve in, always consider your destination. For instance, do not try to force yourself in a hotel located at the city center if you are planning to spend most of your business or vacation time in the countryside. When you choose hotels based solely on amenities or accommodation rates, you may find yourself facing a lot of hassles and end up needlessly spending more. If you are in town for business, this simple rule can help you cut through traffic and catch your meetings on time.Curiosity Online Has Its RewardsWhen it comes to choosing the right accommodation, it pays to be curious. And there has not been a better time for curiosity than now. The Internet can answer most, if not all your questions about hotel accommodations, from rates and amenities to quality of the linens and weather conditions.Harnessing the power of the Web will bring you to hotel websites and forums where you have a good chance to learn from the experience of others who have tried the accommodation that you are planning to take. This helps you avoid failed expectations that can otherwise occur if you did not have gained firsthand insights from the Internet. On top of it all, you can now book your accommodation online right at your fingertips. That’s a lot of savings both timewise and moneywise, without you going into a lot of troubles.Truly, booking hotel rooms will never be the same again. With hotel internet marketing strategies being used today, plus reliable online hotel booking solutions, travelers know that whatever happens, there is a room waiting for them even before they reach their destination. The only question is, will that room be satisfactory enough?

5 Obstacles Every Successful Hotel Provider Must Address

Running a profitable hotel has never been easy, but since the turn of the century hotel providers have had to deal with an increasing number of challenges in order to achieve a continued level of success. Of the many operational and environmental issues they face the list below outlines five of the most important ones they need to overcome. Do this and the chances are their business will do well.1. Occupancy RatesThe global financial crisis has been particularly unkind to the hotel industry. With economic confidence at a very low level many hotels have suffered a dramatic decline in occupancy rates as families and the business community congruently tighten their financial belts. Inevitably there will be casualities as some operators struggle to preserve unsustainable businesses, however the most successful accommodation providers recognise the power of market forces and as such maintain a high level of occupancy by incentivise guests to book a hotel with them by either lowering their prices or offering free nights accoomodation or upgrades.2. InternetThe internet has revolutionised the way consumers make hotel reservations to the point that it is now easier than ever to make a hotel booking, anywhere in the world, at any time of the day. With the growth of the world wide web has come the establishment of a number of hotel booking websites, which in turn has led to increased competition. No longer now are potential guests limited to a handful of recommendations that feature in a holiday brochure or are made from a travel agent. Instead in just a few clicks of a mouse they can access information (in one easy to navigate page/section) about every single hotel in any given city. For instance, if you are looking to book a hotel in New York City you can scout through well over 1000 different options. The challenge for any hotel on this list is how to stand out from the rest of the competition.3. Services, Amenities & FacilitiesThis increase in competition has forced the hotel industry as a whole to reevaluate their offerings. Long gone are the days when the mini bar was the highlight of your room. No, in this age of advanced technology customers expect more bang for their buck than they ever previously enjoyed. Flat Screen televisions, air conditioning, DVD player, complimentary Wi-Fi, iPod docking stations are all being expected by patrons as a standard feature, even for mid ranged establishments. Similarly the most successful hotels have lifted their game in terms of the standard of food their restaurants serve or the state of the equipment on offer in their gyms. Failure to do so in the current climate will render any business dead in the water.4. Guest ReviewsIt used to be that guest reviews were met with a lot of suspicion by the people who read them. But not any more. Nowadays Hotel review sites like Trip Advisor have made it possible to gain a far deeper understanding of what a hotel is likely to be like from the feedback of actual guests who have paid to stay there. Genuine, honest and independent, they are an important factor in the decision making process for booking a hotel. It is not rocket science but those hotels which exceed their guests expectations by offering the best levels of service and amenities get the best reviews.5. Social MediaLike it or not social media is here to stay and like it or not it can also make or break a hotel’s reputation. If a hotel is good, or particularly bad, a quick tweet or status update can let literally thousands of people know. So every hotel operator not only needs to look after their guests but also manage and monitor their social media presence pretty much 24/7.

The Best Site For Cheap Flights – And After Booking There You Get Free Accommodation!

Let’s be sincere from the very beginning. The reader always wants details. The reader is always tired of articles where 5 possibilities are recommended and some general guidance is given… Useless! Let’s go for the exact facts.There are many sites promoted and only a few of them really give something back. Forget about the main engines, they are simply useless, even if many books will tell you to book the flights there. Do you want to know why? Because this guys are affiliates to this programs, and even if they know that the flights there are not the most cheap, they will tell you they are.Unfortunately this game doesn’t work, as people finally discover where the real cheap flights are, so I definitely will tell you to keep apart from there. In any case, let’s go for the real meat. It is one place, possibly known by a lot of people already, but that many others are scared to enter. The name is Sky Auction, and it applies for everybody in the world when it comes to hotels, and only for US and Canada residents for flights and different holiday packages.The funny thing of this site, is that airlines, hotels, and many other travel companies give them a small quantity of places, normally the ones that are expected to be empty in a determined period, and let them sell those places in auctions.You arrive to the site and you will find flights to cross the Atlantic for 1$ and similar impressive prices. Don’t be mistaken, this means that the deadline for bidding is still far away and nobody has placed bids. But at same time, it reminds you that if the option your are looking for is not highly demanded, you will have the chance to get it for less than normal.Just yesterday I saw a 7 days stay in any hotel in the world go to a guy who placed a 101$ bid. The accommodation was going to be a 4 stars hotel. There were some taxes implied totaling 195$, but at same time together with the prize it came a voucher of 100$ for any flight during 1 year. In the end, 101 + 195 – 100 = 196$.And I say all this to then tell you to forget about it. Do you know why? Because there’s one more intelligent way to get the same hotel but only for 140$ and at same time saving a bigger amount with your flights than done in the other way.Fortunately, the site Sky Auction is part of an internet shopping mall where you can register for free, shop up to a quantity of 200$, and get the prize of free accommodation in any 4-stars hotel worldwide for up to 4 persons. The only thing you will pay are the taxes and redemption fees, which total an amount of $140 as said before.So, in the end, the strategy is to register to this site, book your flights at an average 40% discounted tickets, and automatically get your 7 nights accommodation for this 80% discounted price.

Cheap Flights From St Louis – An Overview of STL and Tips on Finding Cheap Airfare

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.

Choosing The Right Earring Fittings

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.
Less common:

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 ( 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
Pure Silver
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.