Monday, May 10, 2021

Tips for Buying an Engagement Ring

 The perfect engagement ring will help to make your best moment shine even more. Once you have decided to start your journey with your better half to happily ever after, you have a little task to shop for the right engagement ring. It is normal to feel overwhelmed by what you need to know about engagement rings as you search for diamond rings shop online. You have to consider your partner’s style as you buy the ring.

Here are tips to help you buy the right engagement ring:

  1. Know the 4Cs.

When shopping for a diamond engagement ring, you need to know the 4Cs, that is, clarity, color, carat weight, and cut. The 4Cs are the basis for examining the diamond ring's quality and help you to compare the rings. The value of the diamond cut defines how well it releases its sparkle. Diamonds’ clarity show the nonexistence of flaws and additions.

 Diamonds color grates rate a diamond lack of color. There are rare diamonds with less color. Carat weight defines the diamond’s seeming size. Once you have understood what the 4Cs mean, you will decide what's important to you. Prioritizing the 4Cs will help you choose the right engagement ring that will excite your partner.

  1. Know your partner’s ring size.

If you intend to buy an engagement ring for your partner, you need to find out your partner’s ring size. If you do not know her ring size, take any of her rings, trail the innermost circle on a section of a paper, or press the ring on bar soap and create an imprint of the ring. Also, you can put the ring on your fingers and draw a line where it stops. You can take the measurements to the jeweler to estimate her ring size.

  1. Determine your budget.

When buying an engagement ring, you need to determine the amount you want to spend early. The myth of you need to spend your three months' salary on the engagement ring does not apply more. You can get a unique and stylish ring at an affordable budget. Compare different rings using the 4Cs and buy a ring that fits your budget. What matters is how much love the ring represents and not how much you spend on it.

  1. Choose a ring that suits your partner’s style.

When purchasing an engagement ring, you need to consider your partner's style. Buy a ring that will make them be excited as they wear it every day. You need to find out what they prefer. You can observe the type of jewelry she likes to wear, ask her best friend about her dream ring for her engagement, go shopping with her and observe the kind of jewelry that catches her attention.

Bottom line.

Since an engagement ring is a costly piece of jewelry, you need to buy it from a trustworthy jeweler. You can look for recommendations to find a trustable jeweler. Ensure you know your partner's ring size so that you can buy a ring that fits her well. Consider quality that matches your budget. You can tag a friend to go with you as you select the engagement ring. 

Tuesday, May 4, 2021

Could Crypto Be A Good Investment For You?

 Cryptocurrency is still a relatively new investment form, with Bitcoin only being launched in 2009, and as such, it can be both a lucrative and risky place to put your money. But could it actually be a good fit for you? If you’re someone who’s fine with a bit of risk, and has a bit of spare cash you want to do something beneficial with - could crypto be the right choice to make here? Well, we’ve got some ideas for you to consider around this below. 

Pexels Image - CC0 Licence

What are You Interested in?

The first thing to work out, when it comes to determining if crypto is right for you, is whether or not you’re actually interested in this side of investing. Are you someone who likes the idea of cryptocurrency, that isn’t fiat currency and rarely has anything tangible for you to get involved in? 

You need to work out what kind of investor you want to be. Are you focused on physical assets, such as real estate, because it’s much more involved and reliable. Or are you someone who wants to place stock in companies, because you can see which way the market is going? Or is cryptocurrency a much better offer for you, because it has none of the above, but potentially has so much more to offer as a personal investment? 

Determining the Risk Factor

Cryptocurrency carries a lot of risk. As an investment that doesn’t really have a physical asset attached to it, many people simply don’t place stock in the idea. Indeed, as is explained in My Blockchain Life, cryptocurrencies depend on the belief of investors - the more it’s believed in, the more valuable it comes to be, and the less risk is associated with it. 

Take Bitcoin for example here. Invented in 2009, it only became worth $1 two years later, and is now at an all time high, being priced at over $40,000 per bitcoin. If you were an early investor, this is one of the best returns the market has even seen, but if you’re looking to get into it now, it’s going to be much more expensive than other lines of investment. 

But does that mean investing in other, smaller cryptocurrencies will have the same pay off? Who’s to say, really, but there’s only a handful of other cryptocurrencies that have reached the same level. So, is it worth this kind of risk to you? 

What Else Could You Do?

Following on from the first point, you need to decide what else could be done with your money, and whether or not these choices are better. Indeed, you could still get involved with the world of cryptocurrency, but instead invest in mining technology and the companies that own it. This could be far more sound for your portfolio in the long run. 

Cryptocurrency has a lot to offer, but it’s also very risky. Is it right for you? Keep the points above in mind as you decide. 

Monday, May 3, 2021

Great Business Investments In 2021


Photo: Unsplash

The internet is full of free and effective tools that can help small business owners with limited resources. Tools can be found in almost every field - from organizing the work environment, controlling and sharing files, to video conferencing. In creative ways, you can even edit a professional marketing video independently and for free. So what software is waiting for you online? You should consider some of the following for 2021. Beware though, any software downloaded should be done via a professional website to avoid things such as the iMarketsLive scam

Video chat conferencing

Do not have time to hold meetings? Don't want to go to a meeting out of town? Maybe the customer went abroad? Google Hangouts is a relatively new tool from Google, offering free features that even paid Skype Premium can not offer. For example, multi-participant conversation with the option to share a screen, work on shared documents and presentations, easily share YouTube videos and more. This is also shared with the software, Zoom. The software makes it possible to produce a live broadcast easily, in a way that allows to present to customers or potential customers exceptional content and in an original and unique way. There is no doubt that this is also an interesting way to deliver lectures or presentations especially in the Covid era, it seems to have been quite an interesting concept! 

Information storage - the cloud is the limit?

Cloud technology has become very popular in the last two years and today, many Internet and communications companies make it possible to store data online in a secure place reserved only for your business. The advantage is the immediate access to data at any time and from any place and less risk of information loss. This is because the computer hardware in the business is better protected and the data stored on the cloud virtual server will not be compromised. The "cloud" which is used today is easy to operate and user-friendly. Most often, they appear on our computer as an additional and accessible drive. Some examples of Cloud software that is free is:

Microsoft Onedrive (formerly SkyDrive)

Google Drive


File conversions

To convert a heavy Wave file to Easy Mp3 for sending, you can use the "Format Factory" software - which allows you to convert all popular types of audio, video, image and cellular files. The software is easy to use and convenient for all and makes life easier when sharing.

Mind maps

To make an order in the business, you can use a "mind map" that allows you to create different flow charts, which will be used for a specific project or for mapping the business, personal life or just for arranging thoughts. But while a lot of people still continue to use a page and pen to draw thoughts and reflections - those who are more open to change can use XMind software that uses ready-made templates of arrows, square circles and flow charts. These maps can be used in presentations, to share with coworkers and more. 

Thursday, April 22, 2021

How To Shop Smart For Antiques

The mysterious world of antiques is very alluring, and most people like to be surrounded by fine furniture, which you can do by mixing a few antique items with modern furniture. However, buying expensive items does require that you have at least some basic knowledge. The more you know about the period, the less chance there is of you paying more than you should. With that in mind, here are a few tips on buying antiques.

Make The Best Use Of Digital Technology

When looking for a specific piece, you are advised to browse antique online shops where you can buy antiques from trusted antique dealers, all at affordable prices. At the end of the day, it is all about choices and using the Internet will enable you to see far more items than you would otherwise see at physical antique stores. When associating with antique dealers, it is important to carry out some research and if the dealer has a good reputation, they would not risk losing that by selling inferior pieces.

Carry Out Some Online Research

It is important that you educate yourself regarding the specific periods you like. Read about current furniture makers of that time, as well as gaining a good understanding of styles and fashions that were popular in history. You can also join a few antique forums and get some advice from experts, who are always happy to advise a newcomer. There are some very educational videos on YouTube that show you clearly what to look for when buying genuine antiques, which are free to watch whenever you like. For those who wish to learn about a particular time period, there are lots of free resources on the World Wide Web.

Forge An Alliance With A Respected Antique Dealer

This will ensure that you always have an expert second opinion, and should you be interested in a particular item, you can send your dealer a few photos and some details about the piece. Furthermore, if you are on the hunt for a specific item, your partner can search their huge network of dealer, bringing you more of a choice. Antique dealers in different countries are all networking with each other, which is great news for the client and in a very short time, you would receive the details of items that fit your requirements.

Ask for a Second Opinion

When looking to acquire antiques, it is always a good idea to ask an expert for their opinion and if you get the green light, you can buy with some confidence. If, for example, you are planning to attend an auction, why not invite your regular dealer to accompany you? You can show them the pieces you are interested in and the expert can give you their professional opinion, which might prove to be invaluable.

All reputable antique dealers would have a strong online presence and it is much safer during the pandemic than visiting antique shops and should you wish to physically view an item, you can make an appointment with the dealer in question.

Sunday, April 18, 2021

Things to Bear in Mind When Buying A Second Home


Photo by Pixabay on Pexels

Are you ready to buy a second home? Buying a home is a huge undertaking. To ensure that you do everything right and purchase the property that is right for you there are a few things that you need to bear in mind.

It can all become overwhelming if you are not careful. Thankfully, with a few tips, things don't have to be so difficult. Here is a look at the essentials that you need to know when buying a second home.

Never Buy On Impulse

It can be easy to buy on impulse when you want to purchase a second home. This is especially true if the second home will be a vacation home. 

For example, you may have gone on your vacation in Paris or to a gorgeous lakefront property, and decided you need a home in the area. If this is the case, then you might want to quickly scoop up a house that is for sale. 

However, before you do this make sure you do due diligence. Take the time to survey your finances and to truly find out whether or not the property is worth your time.

Be Realistic 

Before you buy a second home you need to be realistic about whether or not the home suits your lifestyle. 

Do you need someplace to get away on the weekend? Do you need somewhere to go on summer vacation? These kinds of questions can determine whether or not the home should be in close proximity.

Other things that can influence your decision are whether or not the home will be suitable for your retirement and whether the location is child-friendly.

Hire a Local Real Estate Agent and a Lawyer

When you are buying a home that is outside your usual area of residence, you will need someone who has insight into the local market. 

The best way to get this insight is to hire a local real estate agent. Buying a second home can have an impact on your finances and even your mortgage for your first home

The best way to stay on top of the legalities of this situation is to hire a lawyer from Wyolaw Law Firm to help you. Step outside of the box and resist the urge to only get financing for your second home from the lender who may have assisted you with your first home. Take a look at all the options that are out there to ensure that you make the best decision for your finances.

Enjoy Your New Home

Now that you know all the basics that you need to bear in mind before purchasing a second home, you are more than ready to start searching for the perfect home. A second home can be a place to unwind and relax. 

However, before you close off on any deal make sure that it is truly right for your needs. Also, ensure that you hire the right people to help you on your real estate journey. This will help to ensure that you make the right decisions.

Thursday, April 15, 2021

Making Peace With A Rowdy Horse- 5 Tricks That Work

 If you are a horse lover, you are likely to encounter rowdy equines through your riding years. A horse may be aggressive by temperament, due to illness, or because of sheer anxiety. It is important to calm and comfort the animal so that you can be safe. Fortunately, you can make peace with an aggressive equine without much work, provided that you are willing to go the extra mile to accomplish the feat. Here are some tried and tested tricks shared by experienced riders you can rely on.

Think small with training 

Dealing with an aggressive animal requires a great deal of patience. The best piece of advice is to think small with training. Consider taking baby steps because expecting too much from the animal can make it even more anxious and aggressive. Try to understand its abilities and choose training activities accordingly. It will reduce the mental pressure and keep the equine calm.

Keep the animal busy 

Even as you go slowly with training, make sure that the animal is busy. Keeping it occupied with something it enjoys curbs the chances of rowdiness and builds better bonding with the horse. Prioritize activities it is familiar with and avoid trying something new. Simple bending and long, brisk trots work well for settling the mind and muscles of your equine companion. 

Seek help

At times, your horse may be rowdy because it has a medical problem and needs help. If you see symptoms like trembling, rearing, cribbing, and bolting, you must get a vet’s advice right away. The specialist will recommend a treatment plan for the underlying condition, and you will see a behavioral improvement as well. Consider CBD therapy for calming the horse because it is safe, natural, and effective, so you can use it for the long term without worrying about side effects.

Align your behavior

Horses tend to mirror the behavior of riders and trainers. If you want the animal to behave well, aligning your behavior can help. Speaking to it calmly yet firmly establishes a relationship of trust. Try to be quiet while mounting and riding because unexpected and aggressive movements can make it nervous and anxious. An excitable horse is quick to react to whatever you do, so make sure that you are calm and collected at all times.

Establish boundaries 

No matter how experienced you are with horses, there are always chances of the animal getting out of control. Establishing boundaries keeps you safe, so you must have clear ground rules that the animal has to follow. If you communicate consistently, the horse will understand what you expect it to do, and there are good chances it will not overstep the boundaries. Let it know that you are the leader, and it must obey your orders.

Handling a rowdy horse is not a mean feat, but the right attitude and approach set you up for success. Being firm and calm with the animal makes it possible to keep it under control. You must also pay attention to the underlying concerns and address them from the root.  

5 Steps to Improve Your Financial Future


Photo: Micheile Henderson/Unsplash

Financial freedom is something we all strive for, but in today's economy, it can feel quite elusive. If it feels like funds fly out of your account seconds after they arrive, you're not alone. The good news, however, is that there are plenty of small but powerful steps you can take today to improve your financial future. 

Take Charge Of Your Debt

The first thing you're going to want to do is take charge of your debt. The sooner you can reduce and eliminate any unnecessary outgoing expenses, the sooner you'll have better cash flow. Start by checking out a debt repayment calculator to see how much you're currently spending and how long it will take you to pay off your debt at this rate. Then bump your payments up to the maximum you can afford so you can see how much less interest you'll pay by getting rid of your debt sooner.


Now that you've worked out exactly where your money is going, it's time to set up a more proactive debt-smashing plan. If you qualify, look into consolidating your debt into a no interest loan scheme. This will allow you to pay down the capital sooner and greatly reduce your overall expenditure. 

Establish An Emergency Fund

One of the most important factors in your financial security is the ability to deal with a crisis. A solid emergency fund is key to your financial future. Start by working towards having three months of living expenses saved, then slowly build up to six months and then a year. This may seem excessive, but as 2020 showed us, things can go sideways very quickly, so it's important to be prepared. 

Adjust Your Budget

You’ve probably heard that you should be living below your means, and while that can certainly be a challenge in many cases, it really is the only way to get ahead. The best way to ensure that you're achieving this is by analysing and recalibrating (or creating) your budget. 

Any discretionary spending that does not align with your goals should be cut, especially if you're currently living paycheck to paycheck. You don't need to suck all the fun out of life, but anything that doesn't bring you joy or serve a purpose is just dragging you down. 

Enable Round Ups

Many banks offer the option to round your transactions up to the nearest dollar (or five or ten). You don’t notice the extra dollars or cents that go missing, and they don’t really go missing. Rather, they go into a high-interest savings or investment account. This is a great way to save without missing the money being put away.  

Look Into Investing

Yes, we're aware that in order to invest you need to have spare cash, but if you can find the money, compound interest will soon become your best financial friend. If stocks feel too risky or are out of your price range, consider looking into micro-investing in ETFs. They tend to provide a more stable return and can be bought more easily in the micro-investing market. 

Note: You should only ever invest money that you can afford to lose and won't need in the next couple of years. The stock market, like any other trading platform, comes with its own unique set of risks, so you should consider carefully whether this option is right for you. 

There you have it – our best small but powerful tips for improving your financial future. Implement the ones that work for your situation, share any others you may have in the comments, and go live your best life.