When I finally got a job after graduating my MBA and passing my CPA exam my mentality when it came to money was not responsible at all.I saw thousands and thousands go to Uber, jewelry, designer clothes, and parties every month.

Vintage-inspired, brightly colored (or softly muted colors), floral designs (or birds, elephants, etc.) taking over one room in a house.

Myself, I know 5 basic chords on my cheap guitar, so I'm not shopping for fancy gear at Carter Vintage and not joining musicians communities.

Jewelry is expensive to make and therefore you are paying for more than the value of the gold.

If store is doing well for location but the whole system has issues that tends to give the lenders much more pause and concern.Check rent rates for that box size to make sure vintage rent in place is replaceable.

Furniture, jewelry, paid off cars or a lien on your personal home?

If we look at vintage loans from 2001 to 2008 rates range in the 6% area.  

My "thing" is installing the nicer cream 2 inch slat faux wood blinds in every window.

If one doesn't own real estate what type of document is used to secure non real estate (i.e. jewelry) as collateral?

Also, jewelry is typically a set max too; however, they can get a rider on their policy and get an appraisal if they have jewelry that exceeds the amount the policy covers (which is typically $1500 or $2500, but policies due vary, so will need to confirm).Finally, when purchasing a policy, I recommend doing an extensive inventory of items and if at all possible, taking pictures of those items.