Pearls, such as those sold at Pearl & Clasp have long been back as a fashion statement but when it’s summer, you can’t rely on grandmother-style jewelry. The organic gem is getting modern tweaks to appeal to the taste of modern people. Summer styles are all about being light and breezy so let’s see how the classic piece is reimagined to embrace the season’s spirit.

Breezy Summer Styles with Pearls

The mythical charm of pearls combined with the alluring sophistication and elegance on catwalks has made them an integral part of current fashion trends. How can you integrate them with your summer accessories? Let’s find out:

1# Shine with the Color Yellow

Yellow is the hot summer color, tempting many people to wear yellow-shaded dresses. Instead, you can just try this optimistic color sparingly, with a golden-yellow blouse and a marigold yellow pearl necklace. Many Persian Gulf pearls have a distinct yellow color and some pearls are cultivated specially to gain this luscious shade.

Combine Pearl and Florals

Floral dresses are almost like the school uniform for summer. But if you want to make the florals Insta-worthy, pair them up with pearl jewelry pieces. When you are wearing midi-dresses, complement them with an extra-long necklace made of a combination of creamy white, pink, and other soft-colored pearls.
Up for a little adventure and jazzing up the kaleidoscopic patterns of floral garments? Choose bold color combos and deconstructed silhouettes.

A Dazzling Monochromatic Ensemble

The monochromatic, white ensembles have been reinvented into the fashion arena by couture fashion houses like Carolina Herrera and Chanel.
Why not soothing the hot summer days by wearing a simple white dress and pair it up with white pearl earrings or a dangling pendant featuring some quality South Sea pearls? The almost silver hue of these cultured gems will flatter your skin and enhance your dazzling monochromatic outfit.

Simple Choker with Gorgeous Pearls

How about a pearl choker? Summer is all about having a cheerful, fresh look so a minimalistic but chic ensemble will capture the seasonal vibe. Wear a black leather choker that features no embellishment but a big whitish or silvery pearl orb. Subtle but gorgeous!

A Rich Boho Style with Talismans

High-end jewelry designers have brought the charms, medallions, and talismans back to life. A talisman necklace or bracelet could be the best option if you want to channel your inner boho-chic spirit into the summer outfits. Adorn it with a celestial pearl and your favorite symbols to give a luxurious yet personalized touch.

Have you ever heard of a retirement home loan? It exists, and it is called a reverse mortgage. A traditional mortgage is one that can help you on a very short-term basis. It also gives you another bill to worry about. A reverse mortgage provides more long-term assistance with no immediate strings attached. It lets you access your money free and clear, at least for a while. If that sounds goo to you, it may be time to apply, but first there are some pros and cons worth considering.

Reverse Mortgage Pro: You Have No Repayment Schedule to Follow
One of the biggest pros of a reverse mortgage is there is no repayment schedule. You will not see a bill each month like with a traditional mortgage. You also will not have a set loan period. A traditional loan must be paid back during a set period, like 5 years. A reverse home loan lets you extend the loan for a much longer period, as long as you remain the owner of the home and continuously live in it.

Reverse Mortgage Pro: You Get Your Money How You Want It
Another reason to consider a reverse mortgage is you have borrowing flexibility that can help you with specific retirement concerns. For example, requesting equal payments each month for as long as there is available home equity to borrow can help you pay ongoing monthly bills. That option functions similarly to receiving the paychecks you may miss when you retire.

Although monthly installments are popular, they are not your only choice. Another possibility is you may want to borrow cash only when you need it. If so, you can treat a reverse mortgage similar to a credit card by borrowing certain amounts only when you need them. You could also opt to sign up for a reverse mortgage due to an unexpected major expense, such as a bills relating to a medical condition. A large single payment can help you dig out from such a debt quickly.

Reverse Mortgage Pro: You Can Enjoy More Housing Security Fear-Free
When you take out a traditional mortgage on your home, you run the risk of foreclosure. All it takes is missing a payment to put your home in jeopardy. A reverse mortgage provides you with much more housing security for two reasons. The first is the reverse mortgage lender actually requires you to stay in your home as part of the mortgage agreement. At no time will your lender want to evict you. The second is there is no payment schedule. Therefore, you cannot miss payment due dates because such due dates do not exist.

Reverse Mortgage Con: You Have to Stay in Your Home
Although home security is considered a reverse mortgage benefit, it can also be a problem. Since you are not allowed to move away without the loan becoming due, you are obligated to remain living where you are for a long time, if you want to keep the loan agreement intact. Also, one of the reverse-mortgages downsides is if you are ever forced to leave your home for any reason, such as long-term hospitalization, the loan may be called in.

Reverse Mortgage Con: Some Initial Fees and Stipulations Apply
Being 62 or older is not the only requirement for getting a reverse mortgage. There are other stipulations. One is you may not maintain two mortgages at once. If you already have a traditional home mortgage, you can apply for a reverse loan. However, you must use some of the money you receive to immediately pay the balance on the first home loan. Other fees like closing costs are also immediately deducted from the total available to borrow.