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What you bring to prom is almost as important as what you wear to prom. Having an adequately packed clutch could mean all the difference between having a carefree, fun night where you dance the evening away with your friends, to a night of aching feet, split seams, or smeared makeup. To prevent any of these unfortunate issues from marring your perfect evening, consider what to pack into your clutch when you’re shopping for your prom dress.

You don’t want to be hauling around a giant purse all night, so you need to be prudent with what gets the precious space in your clutch, and you’ll also want to choose a clutch that fits all you need.

The clutch

Choose a clutch that has a couple of hidden pockets, and that has a firm clasp that won’t fall open. Make sure it fits your cell phone when you’re buying it so that you can capture Snaps all night, and also make sure that it has an optional cross-body strap. While you might not want to wear it cross-body throughout the entire evening, when you’ve been dancing all night you’ll be happy to have a way to hold onto your things without having to use up a hand.

Mints or breath fresheners

Whatever you decide on to keep your breath fresh, make sure you bring it with you in your clutch. Whether it’s for a kiss during a slow song, or for chatting with friends between songs, making sure your breath is pleasant is a must.

Bobby pins

If your hair has been styled in any way that requires bobby pins, you’ll want to have some extras on hand. Bobby pins have a way of getting away from us, so having some extras on hand to tuck back stray curls will be invaluable when you want to stay styling in your short prom dresses.

Some makeup

You know your skin best, so choose wisely here. If you have a tendency to get oily, then bring blotting papers with you. If you love lipstick, choose a long-lasting color and carry the tube with you for any touch-ups. Same goes for things like lip chap and moisturizer. If possible, bring sample or travel sizes, so they take up less room.

Deodorant

Drop a tiny stick of travel deodorant to freshen up between songs. If your clutch is too small for this, you can also tuck a couple deodorant wipes into a Ziploc bag and tuck it into a hidden pocket. If you’re shy about sweating, look for a dress on JJ’s House whose fabric will help disguise any sweat stains, or opt for a strapless style.

A tampon

Even if you’re not close to your period, someone else might be. Having a tampon or panty liner on hand can be a lifesaver if the worse happens and your period starts early.

Band-Aids

Whether you’re suffering from blisters or have a paper cut, Band-Aids can come in handy when you’re out on the dance floor and need a way to ease the ache in your feet on stop yourself from bleeding.

Buying your first car is incredibly exciting and it will always be a vehicle that you look back fondly on as it provided so much freedom and independence. As a new driver, your needs will be different to other motorists and your key priorities will be something reliable, safe, small, affordable and not too powerful. Here are the main things that you need to consider when buying your first car.

New or Used

First, you should decide whether to buy new or used. In most cases, it is best to choose a used car as it will be more affordable, cheaper to insure and you can get more for your money. When in the used car market, always take your time and only buy from a reputable second hand car dealership to avoid scams and bad deals.

Make & Model

Next, you will need to pick a suitable make and model. It is always best to go with the trusted and reliable manufacturers and to pick a smaller car as these are cheaper to buy, run and insure. You should also select an economical automobile to keep the running costs down as this is another major expense. For instance, Hyundai are a great brand for a first time driver as their automobiles are affordable, reliable and economical. In addition to this, a Hyundai warranty last for 5 years which is longer than most. If you buy one from the used car market that is over 5 years then it is a good idea to take out an extended warranty.

Insurance

As a first time driver, insurance can be a huge cost and especially if you are young as well. It is for this reason why you should buy a vehicle that is small and not too powerful, but you should also shop around and compare prices to find the best deals. There are also other ways that you can reduce the amount that you have to pay each month. On top of motor insurance, you should also consider GAP insurance as this will protect your investment if the vehicle is written off.

There is nothing quite like getting behind the wheel of your very first car and it is one that you will always remember. It is important that you take the time to find the right automobile as it will need to be one that suits your exact needs and gives you confidence whenever you are behind the wheel.

You’ve probably heard the words “silver-gold ratio” if you’ve done any reading about investing in silver and gold. When you compare gold prices to silver prices, you see a big difference, with silver currently trading around $16 / oz. compared to gold at around $1,300 / oz. How could you look at those numbers and tell whether silver is overpriced or underpriced? Simple: the silver-gold ratio.

The historical silver-gold ratio was the same throughout most of human history, around 16 to 1. That started to change around the 1880s. The historical average for the last 300 years is 27, while in the last 30 years it’s fluctuated between 30 and over 90.

Silver and gold generally share price trajectories, with silver often following gold. Comparing the two precious metals helps investors understand which one is a better deal. Silver is more volatile, so when gold prices go up, silver prices rise even faster, and the silver-gold ratio shrinks. When gold prices start to fall, silver also falls faster, and the ratio increases. Right now, the market is seeing the results of a fall after peak precious metal prices in 2011. Silver is undervalued, and it could gain a lot of ground the next time market forces send gold and silver prices back up. But how far could silver prices go?

Using the prices above (and prices change constantly), the silver-gold ratio would be around 81. That means that either silver is highly undervalued historically or gold is overvalued. However, given the fact that gold has spent several years in this price range, many believe that it’s experiencing a bear market, neglected in favor of a stock market that until recently seemed like it could only go up.

You can use the silver-gold ratio to see what kind of growth potential silver might have. While it’s always a risky business trying to forecast silver prices, the silver-gold ratio gives you an idea of what’s possible given historical trends.

As mentioned above, the latest price of silver has roughly an 81:1 ratio with gold. If gold held steady at $1,300 / oz., a move toward a ratio of 60 would have silver at $22.60. A more dramatic shift to the historical average of 27 would have silver at $48 / oz.

Investors have a lot to gain from investing in silver. It has a higher growth potential than gold. You can start investing in silver quickly and easily by buying silver coins from dealers like Silver Gold Bull. The bigger your investments, the more storage will become an issue. But with dealers like Silver Gold Bull, allocated storage solutions mean you can invest in any volume of silver.

It’s estimated that silver is about 17 times more abundant than gold on the planet Earth. Industrial demand and the use of silver in applications that are not recyclable could one day diminish the total available silver. For now, mines continue to produce silver, though supplies are becoming tighter.

Most experts agree that gold will always be more valuable than silver, but that doesn’t mean that investors can make more money from gold. Silver is presently undervalued and any move closer to historical averages would be a huge boon to investors who chose silver over gold.