Buying Right: 7 Need-to-Know Tips to Remember When It Comes to Buying Diamonds

Getting engaged is one of the most exciting moments of your life. A beautiful moment with your intended bride all culminating the start of your life together. The biggest part of that moment, besides her saying yes, is finding the perfect ring to complete it.

Discover more about buying an engagement ring by reading these seven tips to remember when it comes to buying diamonds.

  1. Carat (Size)

How big the ring should be is all in personal preference. Take into consideration both the size of the person’s hand, whereas something too big will look a bit awkward, and what you can afford. The size of the diamond is probably the most prominent factors in its’ price tag, so determine the size first. The bigger diamonds are more expensive because of how rare they are. Some diamonds may look larger or smaller based on their setting, so make sure you have a nice balance between the two.

  1. Cut (Shape)

There are many different types of diamond cuts or shapes. Nearly every jewelry store is taking one of the cuts already known and adding a slight twist of their own and calling it a new name. The most popular cuts are: round, oval, marquise, pear, heart, emerald, asscher, radiant, cushion, and princess. No cut is better than another, but most people have a distinct impression of what they do or don’t like or want. If you are going more traditional, a round stone is always timeless and classy. The cushion cut is very popular recently and gives a timeless quality in that it looks very retro, almost a throwback to the roaring twenties. Many elegant styles are available and one for all characters.

Although cut mainly refers to the shape of the diamond, it also tells us how the light will bounce off that particular diamond. More light will give that sparkle that many of us desire, and the light reflecting the quality that bounces off every wall in the sunshine in a beautiful way.

  1. Color (Clear or Not)

Did you know that all diamonds aren’t the clear, sparkling pieces of an icicle that we typically see? Diamonds of different colors are becoming more and more popular.

What we think of as a “colorless” diamond aren’t colorless at all. They are graded on a scale of D through K with D being the most crystal-clear diamonds that have absolutely no residual color in them, down to K which still retain a slight tinge of brown in them as a result of graining inside the diamond. The brown tint is barely visible to the naked eye and most people won’t even notice this color in their diamond.

  1. Intensity (Color Grade)

Intensity involves the grading of diamonds that have a visible color to them, like yellow, blue, or pink. A scale of how that color shines and the rarity places them in one of the following categories: fancy vivid (also called fancy deep or fancy dark), fancy intense, fancy, fancy light, light, very light, faint. The further along that scale the diamond is, the deeper and more intense the color becomes. A yellow diamond, for example, maybe the intended recipient just wants a faint wash of that yellow hue so something on the faint or light category would be just perfect.

  1. Clarity (Perfectness)

All diamonds come with some measure of “imperfections” found within them. This happens when diamonds are made, which is under pressure within the deep ground of Earth’s surface. Each imperfection, called an inclusion, is in a different spot depending on the diamond, so some may be closer to the surface of the diamond and some may lie further within the center.

Inclusions are also rated just like color is. The rating system for inclusions ranges from FL or Flawless down to I1-3 which have visible flaws to the naked eye. Those that range in the middle have imperfections that would only be seen under intense magnification. Keep in mind, having a small imperfection can save you in the long run and it won’t even be visible without a microscope or loop.

Again, the more towards Flawless range that the diamond you pick lies, the more expensive it is going to be since a Flawless rating would be extremely rare. Finding inclusions you can live with will retain the budget you desire.

  1. Setting (The Ring and Band)

Buying a loose diamond gives you the flexibility to customize your ring and get the best possible diamond your budget allows and place it in a setting that both works for that particular diamond shape, and within a setting that the couple both loves. This allows a choice in the color of the metal that will become the band. It can allow spaces for any side diamonds to flank the middle diamond, such as a “past, present, future” ring where three stones represent the couple’s life together. Bands can also have diamonds all around the band in different sizes and shapes. Choosing your own diamond and settings allows this level of customization that walking into a mall jewelry store wouldn’t compare to.

  1. How to Buy

Buying rings used to involve going to a local jeweler, the shopping mall, or even a big trip to the nearest city to the diamond district. With the upgrades to modern technology, you can research and buy diamonds online now. Buying online gives you the capability f browsing on your own time, and without the eyes of someone, you might want to surprise. All the possibilities will be right at your fingertips without traveling to the store, and everything is labeled so you can really get an idea of what you are after without staring at a huge case of rings.

You can always learn more about buying engagement rings online or ask a trained jeweler to help you with your selection.  There is plenty to choose from, and truly a diamond to fit every personality.

10 Ways Total Beginners Can Learn About Stocks

One spectacular thing about the world of investments, especially stocks, is that people in the business are oftentimes presented with a host of paradoxes.

One among these paradoxes is that although there are quite a number of bodies of information about the market out there—in the form of websites, books, podcasts, videos, television programs, magazines, blog posts, and lots more—investing in the industry remains a tricky task for beginners.

This is one of the reasons why beginners find it difficult to weave their way around the business and fully settle in the industry. It becomes to get confusing when you see numbers and names of businesses, coupled with upward and downward arrows. You begin to wonder what they all mean.

However, there is some good news; with just the right information at your disposal, you can learn the stock business much easier and quicker too.

Stock exchange strategies in a lot of cases last for a very long time. This goes to say that the strategies you learn and employ today as a novice might still very much be effective and work for you in the next twenty years.

Here, in this article, we will be discussing the ways in which beginners can learn the stock business.

Start up a stockbroker account

One of the best ways in life generally to learn is by experience. Same goes for the stock market.

The more you practice simple transactions in the market, the more you get familiar with it and the more you learn the business.

Look for a good stock Broker online like this company and start up an account. Take advantage of the free trading tools on the platform to learn about the business. It is important that you familiarize with the overall workings of the industry.

Read articles that teach about the stock business

There are more than a thousand and one good resources out there that teach about the investment market. These resources are online through blogs, social media, and websites, or offline through circulars.

Articles, generally, are a fantastic and sure educational resource. Make sure to read as much of these articles as you can get your hands on, and make the most of the information contained in them. They are definitely going to be of great help.

Get yourself a mentor

It is also a great idea to get yourself a mentor in your pursuit to learn the stock business.

Your mentor could be a friend who is already well-grounded in the field or a stock analyst.

It would be an added advantage to be mentored by a person who has been hugely successful in the business too. Ask for useful resources and questions in areas you are confused from your mentor and learn as much as you could from him or her.

Read good books about the stock market

One of the cheapest and most reliable sources for information concerning any work are published books.

They provide an easy and less expensive alternative to seminars, classes, etc. You should build a habit of reading books that talk about the stock market and make sure to apply the strategies talked about inside them. You can pick one now or more from this list of 20 amazing stock trading books.

Follow the market trend

Another easy way to get familiar with, and learn the stock business is by closely and passionately following the trend of happenings in the industry.

Keep tabs on the latest news in the market by monitoring it daily and reading news stories that concern the market.

This will expose you to the economic concepts of the market, trends, 3rd party analyses and general workings of the industry.

Some platforms where you can get the best coverage of news about the stock market are: Yahoo Finance, Google FinanceBloomberg, The Wall Street Journal, etc.

Follow the market on TV

Another impressive way to monitor the market and learn more about it is by following it on TV.

Just 20 minutes each day spent watching CNBC or CNN, which, by the way, is one popular channel that gives the most stock updates, is enough to teach an investor in the industry new things he should know. Follow the news, commentaries, discussions, interviews and more on the channel to learn things about the industry each day.

Try paid subscriptions

For some investors, it works best to observe professionals in the market than try to apply new lessons they learned by themselves.

If you are one of such, you might want to consider paying (subscribing) others to help you do the research and analysis. This strategy can also be useful, as well as educational.

Register stock market courses and take classes

Although, it might be a bit pricey, registering for stock courses is one very effective strategy that could help you to learn the basic fundamentals of the stock market. Sites like Udemy offers a comprehensive outline on stock market.

You can also seize opportunities to register with stock market classes near to you to learn things about the industry.

Attend seminars

Seminars avail investors the opportunity to get valuable insights into both specific and general types of investments in the stock market.

When speakers who have found relative success or who have a deep understanding of the market organize seminars, you should attend.

Most of these seminars are online, so the ease of learning at your pace is guaranteed. Make a decision to attend one.

Get in the zone. Start Trading

As earlier mentioned in this article, one of the best ways to get knowledge about any aspect of life is to get experience in the field.

So, do not be afraid to start up your own trading with the little knowledge you have gathered already and then continue to learn as you trade.

However, in doing this, do not jump all in at once. You can start small and begin to expand as your stocks increase significantly.

With the right information and resources, almost everything is easy. Some of the best tips to help you get started in the stock market have been outlined above. You should put them into practice.

These Top DJ Net Worth Numbers Might Surprise You

top dj net worth

In the entertainment industry, DJs are doing well – a bit like Hollywood stars. But the rise to stardom is not easy. After the sudden death of internationally known DJ and producer Avicii in April 2018, who left a fortune of $85 billion, the world began to look at superstar DJs differently. So what’s happening in the music world right now? And, how much are the top DJs worth?

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Did You Know This? 10 Clever Ways to Grow Your Real Estate Business

In a hyper-competitive real estate market, sustainable growth has proven to be an elusive dream for a significant number of investors. Partly to blame for the woes faced by investors is the inconsistent real estate market.

While the market was at its boom back in 2006, the housing financial crisis adversely affected the industry such that it was at its lowest in 2012. The silver lining is that it has been improving in the last few years.

So how can you grow your real estate business? This is the million dollar question, and I’m hoping that this blog will give you helpful insights that will help you navigate a competitive real estate market.

  1. Maintain An Online Presence

In recent years, we have seen a paradigm shift as more property buyers move to research about a property online before making contact with realtors or seeking to view a property. Studies by the National Association of Realtors shows that about 92% of property searchers use the internet to carry out some research about properties before seeking out the real estate experts.

A strong online presence can go a long way in generating leads, building your brand image and even improve your customers’ experience. Use digital marketing platforms such as websites to publish some information about yourself, social media to connect with potential clients and email marketing services to reach current and previous customers.

  1. Improve Your Customer Satisfaction

Customers are the drivers of any business hence focusing on them seems like a rational investment. Happy customers often translate to a booming industry even in the real estate market.

One way to improve your customer satisfaction levels is by enhancing your customer journey. You should try and make the journey right from finding you all the way to making the purchase easy.

  1. Embrace Innovative Marketing

Make your business visible through advertising. You should then make contacting you as easy as possible for example by having an eye-catching contact us page. You should then have a virtual tour where potential customers can get to view your properties before the actual visit to the property. You should optimize your pages and make them mobiles friendly.

  1. Enhance Your Customer Experience

You should also make arrangements to ensure that when customers visit in person, they have the best viewing experience and afford them space to make up their minds on whether to purchase immediately or hold off on the purchase. After the acquisition, follow up to see if they are satisfied with your services or if you can improve in some areas.

Having good customer satisfaction levels makes good business sense. About 85% of the times, a happy customer is likely to return in case they ever need a property. Moreover, they can become a positive referral source for your business hence direct more business your way.

  1. Keep An Eye On Your Competition

As both you and your competitors are competing for the same customers, it is rational to keep an eye on them. Keeping an eye on them and picking up on a few things can help you get the better of them.

Why should customers choose you and not your competition? Keeping an eye on your competition can help you get insights from them. You may learn from their mistakes or even steal ideas on how you can improve your business. Answering this question satisfactorily can make the difference between customers choosing you and not your competitors.

Additionally, keep tabs with the industry’s best practices and continuously integrate them into your business and look for ways to improve. This will help with your differentiation strategy, read more now

  1. Stage Your Houses Well

When potential customers visit an open property, interior design can significantly influence whether they purchase or not. Therefore, if you want to sell properties often, you should stage them well whenever you have an open show.

One way you can stage them well is by ensuring that everything is neatly arranged and looking new and stylish. This will help potential clients feel the warmth of the property and be interested in buying the place.

Alternatively, you can make the property stand out. People looking for property often want to compare several homes before eventually settling for one. Due to a large number of properties they may view, it may be helpful if remembering yours would be easier.

You may standout by having one quirky item or making your property ideal for a particular niche like for a family or dog owners among others. This will help improve the suitability of your property to the desired group or memorable.

  1. Do Not Underestimate The Power Of Great Photography

When it comes to property hunting, a great visual representation of the property can often elicit interest in a particular property. Great photography can help your real estate business make a great impression on potential clients.

It can compel potential clients to seek out your business actively.

Great photography can help you showcase your well-designed interior and exterior of the property. Additionally, you can use excellent photography to showcase the surroundings of the property. A great environment can help you sell more property.

  1. Promote Your Visibility By Hosting Regular Events

Besides other forms of advertising, hosting regular events may help you grow your network. The regular events for past and present clients may help you to not only showcase your property but also to grow your circles as your business may get to be introduced to new people as you retain your clients.

You may choose to host monthly events at a nearby bar, host a webinar for your online clients or free seminars to help you add your clients’ knowledge on property buying and remodeling among others. These various events will attract attention to your business hence help you generate leads.

  1. Request For Testimonials

Positive referral can have tremendous effects on your real estate business. Testimonials from previous clients can help your business showcase how reliable and dependable your business is. This will, in turn, help new customers trust you hence make them more likely to buy a property from you.

You may request for testimonials by asking clients to answer some questions or by turning to review apps or sites. You should showcase the feedback you get strategically through your websites or social media platforms without any modifications.

If you get a few negative feedbacks, do not engage unless you are following up on how you may improve. Take criticism well and know that it is an opportunity to improve.

  1. Convert Your Online Leads

While an online presence might seem a little too much, you will be surprised by how rewarding it can be. It may cost you to engage digital marketing experts and host your websites, but the returns will be worth it. Convert all your online leads.

Try it today, and you will realize its potential in no time.

The real estate industry is very competitive. Subsequently, growth and continuous revenue generation by selling property is often difficult. However, with these proven ways, you can quickly grow your business in no time. Try them today, and you will begin to reap results in no time.

Do You Know These? Advantages and Disadvantages of Taxation

In 1716, Christopher Bullock wrote, “Tis impossible to be sure of anything but Death and Taxes.” You’ll pay taxes throughout your life and, for some, even after you die. But, they do serve a purpose and present some advantages and disadvantages.

It helps to understand there are direct and indirect taxes. Direct taxes are levied on income and profits. Indirect taxes are paid by consumers on goods and services and, then, paid to the government.

Taxes are often classified as:

  • Consumption taxes are determined by how many things people use rather than by their income.
  • Sales Taxes are imposed by local or regional authorities on purchases of goods and services.
  • Cascade Taxes hit each stage of production and process leading to point of sale.
    Vat Taxes are Value-Added levies determined by the value of the product at each stage of its supply chain.

Regardless of their type or origin, taxes have advantages as well as the disadvantages about which everyone complains.

So, what are the advantages of taxation?

  • Reduces inflation. Inflation puts the nation’s economy at risk. It distorts the value of a currency and devalues the cash you have in reserve. Taxation reduces your purchasing power and slows demand.
  • Manages sales of vice products. Taxation on cigarettes, alcohol, and other toxic products discourages the purchase of goods that harm society.
  • Taxes produce revenue. Taxation produces a major revenue stream for local, state, and federal governments. As Eiliff.com puts it, “The money that is raised from various taxes is spent by the government for the construction of schools, roads, hospitals and also for other development causes.”
  • Paying taxes shifts income. A tax that charges the wealthy more than the poor has a way of redistributing income across the different social classes. Those with higher incomes pay more than those with low incomes. According to AOSS (Australian Council of Social Service), “Tax and related expenditure reform should improve the living standards of people on the lowest incomes and result in a more equitable distribution of public supports between low, middle and high-income earners.”

And, are there disadvantages?

  • Lowers purchasing power. When you pay taxes on a product, you have that much less money. For example, if you buy a car, you may be charged thousands in taxes. When that money comes out of your pocket, you have that much less to spend.
  • Reduces your savings. Because that taxation cam out of your wallet, you have that much less to save. Paying taxes takes away from the money you would add to your retirement or savings plan.
  • Investments suffer. As you spend money on taxes, you have less money to invest in the market, business capital, and retirement strategies. If this becomes a problem for the business or individual involved, they may want to seek the advice of a tax accountant (Sydney).

Pros or Cons?

Taxes are levied by governments you vote into office. If they are proving a real problem for you, you can demand accountability and transparency of the officials. If they are being misused or misdirected, you have some power in your vote.

Nonetheless, you must pay the taxes they levy accurately and on time. Penalties can be significant and damaging.

3 Ways to Easily Improve Your Financial Health

While money can’t buy happiness, money is required for most things we do. In order to have shelter, food, water, heat, and entertainment, we normally have to pay for it. While it would be great if everyone was able to buy all they wanted and pay their bills in full all of the time, we know that’s not the case.

In fact, more than half of Americans have less than $1000 in savings which could leave them susceptible in the case of emergencies. This gives you a true understanding of just how many people are struggling financially. With that in mind, this article is going to look at a few different ways to easily improve your financial health and situation.

Have a Budget

In order to give yourself the best chance at a great financial situation, you need to have a budget. A budget is a great way to not only see how much you are spending and making each month but also where it’s going. Without a budget, you may not know exactly how much things like eating out, shopping and entertainment are costing you.

Once you begin to budget and track your spending, the view of your financial health will become much more clear. Once you have a budget, you should cut down on certain areas where you are spending too much, and should easily be able to see potential areas for improvement.

Be Smart About Borrowing Money

Borrowing money in the form of a loan is something nearly everyone will have to do at some point in their lives. It could be for a vehicle, for your education or even for a home. Unfortunately, this borrowing of money is often what gets people in trouble financially. This is often because they borrowed too much, or their loan has an interest rate that is too high.

As a result, it is incredibly important to be smart when you borrow money. Not only should you look for a great interest rate, but you should only borrow what you can afford to pay back. Also, not all lenders are created equally, and you want to work with one that is experienced and reputable.

While your local area is likely full of great lenders, there is an increasingly high number of those going online for loans. Online loans are often simpler to apply for, can get you money quicker and can even have better interest rates. If you are looking for a reliable and simple online lender, be sure to check out this link: easy payday loans online | quick application | slickcashloan

Find Ways to Make More Money

While saving money, budgeting and such are smart, improving your financial situation is tough if your income is low. If you only make minimum wage, no amount of budgeting or saving is likely to get you where you want to be. Instead, you will need to find ways to make more money. This might seem difficult, but might be easier than you thought.

Thankfully, there are many different ways to make more money in the modern day, especially online. You can get a second job, become a freelancer, rent out rooms in your home or sell items. The opportunities are truly endless, and anyone can make a little extra money on the side. When you have more money, you can not only put more into savings but can also feel more comfortable in the case of emergencies.

Hopefully this article has been able to help you learn how to get control of your finances and improve your situation.