Engagement rings can range from the classic and simple style of a solitaire to the elaborate styles with different metals, shapes of stone, or gemstones. Most of the classic styles of rings are easily found in most jewelry shops, but if you are looking for something more unique it may be necessary to have a custom design created. Let’s take a look at a few of the most popular styles:

Solitaire

The solitaire is the ultimate classic style of ring that never seems to go out of fashion. It has a very versatile style that can accept different shapes and sizes of stones. The main focal feature is the central stone, so it is essential to invest in a high-quality gemstone. Also, the type of setting can vary from a tension set to a prong set.

Halo

The single or double halo is a great way to add extra sparkle to a small stone. The halo effect is created by adding a circle of gemstones or diamonds around the central stone. The double halo is the most distinctive and a perfect choice for brides that really want a statement piece of jewelry that stands out.

Three stone

A ring with a three stone configuration is a very popular option. The style of the ring can vary to match the personal preference. Many of the rings have three stones in equal sizes; while others can have a large central stone with two smaller stones either side. Additionally, there is the option to choose a right with a four or five stone setting.

Cluster

The cluster ring is designed in many different styles that can range from very basic to very elaborate. Most of the rings include multiple stones at the same size, while others can feature a larger central stone with many smaller ones around the outside. This type of ring is typically made in gold or platinum.

Colored Stone

The colored stone rings are simply the style of rings that do not use traditional white diamonds. A few of the common alternatives include sapphires, emeralds and rubies. Also, there are a variety of stones that are becoming more popular when it comes to creating rings as well as gray diamonds.

Whether you are looking for a simple or luxury design, there are many different choices that can easily match the preferred look and price range.

A necklace is the special part of jewelry that is worn around the neck. In the world of jewelry, it is one of the earliest articles of jewelry which is used for adornment worn by humans. It sometimes serves magical, ceremonial, funerary or religious purposes. Gold necklace sets are also used as signs of status and wealth because they are commonly made of beautiful and interesting gemstones and precious metals.

The band, chain, or cords are the main components and that wraps around the neck. These are rendered in with the precious metals such as platinum, gold, and silver. The additional attachments suspended with this or inset into the necklace for increasing the extra beauty. These attachments include lockets, pendants, crosses, amulets, and precious and semi-precious materials such as pearls, emeralds, rubies, garnets, sapphires, and diamond.

DIFFERENT TYPES OF NECKLACE DESIGNS:

Opera necklace:

The Opera necklace looks amazing with deep neck blouses or gowns, with a length of 26 inches to 36 inches, this necklace has different styles. To create a vintage look, knot it up at the neckline for a cocktail party.

Multi colored necklace:

The multi-colored string necklace looks amazing with light and white colored tops or Kurtis. Simple but lovely and multi-colored necklaces look amazing with all kinds of clothes. Although, this one with multi colors gold necklaces set can add an unexpected twist to your body with light or white colored outfits for a beach party.

Thread necklace:

The thread necklace goes best and looks well with Kurtis and suits. This one is the most stylish and looks amazing necklaces ever. Lengths are from 14 to 20 inches. For unique look using different colors of threads.

Bib necklace:

The bib necklace looks well with Kurtis and as clear from the name, this necklace covers you like a bib does and also hottest jewelry trends

Choker:

The Choker Looks best with all outfits and its length is 14 to 16 inches and worn close to the neck. This classic piece goes well with jazzing up an official meeting.

Collar necklace:

The collar necklace goes best and looks well with turtle necks, lengths values are 12 to 13 inches long. These necklaces encircle your neck for an amazing look. Best for V-necks, turtle necks, boat necks.

Princess necklace:

The Princess necklace looks great and amazing and it is the most common type of necklace. The length values are 17 and 19 inches. Heavy and light designs are available; this is the amazing and great article of jewelry.

Emergency financial situations can happen to anybody and any financial arrangement exercise is not ideal without planning for such occasions. The whole idea of having an emergency fund is to offer a cushion against any unexpected expense.

This will ensure it does not have any negative impact on your financial condition and does not rip off the whole financial security.

There are many circumstances which can cause a financial emergency such as a sudden illness, accident, medical emergencies, emergency house repairs, loss of a job, emergency car repairs and much more.

The major reason for having an emergency fund is very clear because when a person falls into an emergency financial situation, they will have to break their savings or make a compromise to get the needed money.

It’s not rare to find people who just take out their credit card and swipe it for hard cash. Opposing popular opinions, credit cards are the worst way to fund any financial emergency. The fastest way to get thousands of dollars its to get a car title loan it is not a long-term solution but a short-term solution.

In a circumstance where you’ve taken a cash advance with your credit card to get the needed money, the credit card company will charge you a cash advance fee with an interest rate. This is a very costly way to borrow and manage finances for emergency situations.

Therefore, what is the best amount that should be set aside as emergency money? There are diverse opinions on it. Some professional’s experts agree that a minimum of 3-6 months’ worth of monthly income should be set aside for an emergency situation. This amount can differ according to marital status, the size of family and lifestyle.

Everyone must reserve some extra cash in case of emergencies. But, the amount to reserve depends on your income and monthly expenses. The amount that is needed for your emergency fund is open to debate, the minimum amount should be sufficient to cover your expenses for daily living for at least 3 months. It’s also ideal to save for 6 months even though some financial advisers agree on a full year worth of cash.

These funds must be kept aside in an instrument, which is easily available when needed. It could be money in a bank account, hard cash, liquid funds or fixed deposits. This will ensure the fund is always accessible instantly or within a short period when it’s needed.

Where to Keep the Cash?

Your situations and what can offer you peace of mind are the factors that can help you determine how cautious you want to be. Keep your emergency fund somewhere that is safe and accessible because you may be required to get the cash in a hurry when an emergency arises. The best option you’ve is to open a money market account or savings account. But, always examine their offer with regards to the interest rate, minimum balance, and other terms.

When you think you’ve saved enough, you can stop. You can now sleep easier and try to start placing your extra saving into higher-interest and less accessible accounts or investments.

This article is aimed at explaining the importance of building residual income and also to explain the need for individuals to leverage network marketing business model if their dreams are to gain financial and time freedom. So, even if you presently work a job or business, it is needful that you pay attention to network marketing so as to develop residual or passive income over time.

The commonest way that people define residual income is “income earned while sleeping”. Is it really possible to earn income while, all the while, you are asleep? This may sound strange to some people but, yes, it is possible.

The importance of residual income in a man’s life finds expressions in the statement of the billionaire investor, Warren Buffet, in which he stated that “if you don’t find a way to make money while you sleep, you will work till you die”.

Residual income is a concept that many ignore without understanding that their future well-being is dependent on it. And with what result? With damaging consequences.

By going to work every workday and receiving a salary at the end of the month, you’re simply exchanging time with money. Your salary is not residual. If your work stops, your income stops automatically.

Let me explain residual income with the following example:

Imagine two men in a village. Both have to walk a mile every day to a river to get water for their families. After a month, one man starts working on building an underground pipeline to connect the river to his house. For an entire year, he expends extra energy working on his pipeline. When he finishes, he has the source of the water directly to his house, while the other person continues to visit the river.

Residual income is like building a pipeline to connect water from the source to your house so that you don’t always have to go to the river.

In that short example, you will notice that it took some time for the pipeline to be constructed. But having done that, the man continued to enjoy water supply effortlessly.

However, the second man who failed to take the same initiative had to continue to visit the river for his water supply. What will happen if he becomes indisposed? He and his family will stay without water and suffer its consequences.

There exist many business initiatives that you can leverage in your effort to build residual income. But I do recommend network marketing, or MLM as some would like to call it, due to the fact that it doesn’t require a tonne of investment capital to set up.

A lot has been said about network marketing by various network marketing professionals but many still feign ignorance about it.

The reasons people WON’T take a look at network marketing is NOT:

• because they don’t have the money.
• because the opportunity or business isn’t good.
• because they are worried about being scammed.
• because the profit margins aren’t high enough.
• because the demand for the product isn’t wide enough.
• because they need to ask their spouses first.
• because they need a night to sleep on it.
• because they need more time to research the company.
• because they need to get on the phone with you to join.
• because they have to ask other people on Facebook to see if you’re a good sponsor.
• because they need to see your bank account to prove the results.
• because they don’t believe in it.

The real reason they don’t join network marketing business opportunity is that they have been conditioned by society to be consumers of goods and not producers.

• They have been conditioned to buy “education” but not to buy knowledge.
• They have been conditioned to have a “job” but not to own a “business”.
• They have been conditioned to be workers but not to be their own bosses.
• They are non-thinkers instead of go gutters
• They are intimidated by anything that challenges them.

That is what this is really about. It’s about people who are so afraid of learning, and stepping out of their comfort zones and being paralyzed by their fears.

It’s about being comfortable and caring what other people might think. It’s about their family thinking they are FAILURES if they do anything besides just having a JOB.

If you’re working presently, understand that you are only exchanging your time and effort for the pay at the end of the month. That’s okay though but by going to work every day, you are not building residual income which is the pipeline that will enable you to get water supply without having to go to the river.

Every once in a while, especially during vacations, families, and friends would check in at a fancy resort or hotel. Ideally, these luxury hotel rooms would be able to fascinate you with all their high-tech gadgets, widescreen televisions, automated doors and more. Any hotel that provides this service would often be costly. Why spend a lot to go to fancy hotel rooms when you can bring that experience to your very own home? There are many ways to turn homes into high-tech hotel-like rooms and those with the budget can start by getting these items:

Smart TV’s

Smart TV’s are not uncommon in the market. In fact, visiting the nearest electronics store will display their latest smart TV’s available. Aesthetically, a large smart TV would be the ideal option to make your homes look like a luxury hotel. Almost the options across different brands are similar so you have the freedom to choose which suits you best. Some allow you to browse through the net through voice activation. Others will detect specific hand gestures to operate commands.These smart TV’s will only get better as the years pass by.

Digital Keys

Hotels either have the usual physical keys for their locks or card keys that you can swipe. However, these can be a hassle especially in the case where they get misplaced. Fancier hotels, on the other hand, use digital keys that can be accessed usually through phones. There are two ways this can work. The first is similar to the concept of a Radio Frequency Identification (RFID). Instead of actually having the card, an app of the phone can imitate that concept so you would not need the actual card. The second way would be through Bluetooth. There are high-tech locks that will automatically open once they detect your phone’s Bluetooth ID nearby so you can just walk right in without doing much.

Voice-Activated Rooms

So once you get into your home without touching anything, the next thing you might want to do is to turn on the lights still without touching anything. How? Voice activation. It is popular in the movies and fancy hotels. With just a short speech command, anything with that is voice-enabled will do its job. It is the step towards making Jarvis, artificial intelligence (AI) assistant of Tony Stark in popular comic book and movie, Iron Man. Wynn Las Vegas just recently integrated about 5,000 of their rooms with Echo, a voice-controlled speaker, allowing guests to easily communicate with the front desk or turn appliances on by simply telling it to do so.

Automation

In line with the voice-activated rooms, automation enabled by robots or AI, just like Echo, will further provide efficiency for anyone in the room. Automation is usually defined as something that turns on and off by itself. However, it goes beyond. Automation really is about technology allowing itself to be engaged only when needed to. To an extent, getting your room automated can even save a lot of money on the electricity bills.

Wireless Charging

Having a lot of wires tangled up in the room would be tedious to untangle. It can even break and cause you to buy new ones. With wireless charging, you save up space from not needing wires and you don’t always have to be near the sockets anymore. Some tables and desks in hotels have built-in chargers that when phones are nearby, they automatically charge.

Projector TV’s inside the Bathroom

This is perfect for anyone who likes taking their time when doing their business or just enjoy taking a bath. Make that an even better experience by having TV’s projected in your very own bathroom. A cheap trick would be through the use of mirrors on the ceilings. Match this with your Smart TV and you virtually do anything with it, play music, watch YouTube videos, browse the internet, and more as if you have never left the living room.

Versatile Bathroom Walls

More on to the bathrooms, it can even be further upgraded, even down to the walls. Usually, bathrooms anywhere would be divided by glass walls that are translucent or can be covered by blinds. With chrome-enabled bathroom walls, you would not need any of those. With a push of a button, the bathroom wall can either be made translucent, transparent or just plain matte. This way the bathroom looks even more spacious when the walls are made transparent.

Did you know that there is more to your home’s exterior than just siding and paint? Sure, you may recognize that, but it should also be noted that your roof is also a part of the exterior of your home. After all, without the roof, your home’s interior would not be protected! (shocking, isn’t it?)

So, it is quite important to see that you take care of your home’s exterior. This doesn’t have to be a part of the basic To Do list that you check off weekly, but it should definitely be a part of that quarterly list! By doing so, you have a better chance of identifying home exterior concerns and being able to stay a step ahead of them – before they become full on problems that are costly to repair (or need to replace!).

If you are new to home ownership, then determining what type of checking on the home exterior needs to be done can be stressful. So, to help out, here are the place you need to be paying special attention to:

• Gutters – The gutters of your home control the amount of rainwater reaches your home’s exterior and protect your roofing as well as your home’s siding. Be sure they are attached correctly and are not sagging anywhere. It is also important to clean them periodically so that there is no build up of debris.
• Paint – Take time to note if you need to touch up an area or call in a professional painting crew. The status of the paint job/siding will be one of the first thing people notice.
  Siding – If you have vinyl siding, or one of its sister products, then you will want to clean it off periodically using a pressure sprayer.
• Windows – Be sure these are not just clean, but open and close as they are designed to do.
• Patio or deck – e sure that the boards are sound, and that any debris is swept off of them. Not only does this look better, but you can prevent any damage caused by critters/pests. Be especially vigilant against areas around windows and doors – were wood rot can occur. If you notice damage near these locations, be sure to get someone to check it out and determine the action to be taken.
• Roofing/Shingles – Walk around your home and note any areas where shingles may have pulled away or are loose/missing. If you see any, repair them before they fall away and leave your home exposed to the elements of nature.

Dealing with home exterior issues doesn’t have to e stressful. Do some basic maintenance and then be sure to connect with the right companies within your community to help with those aspects that you don’t feel qualified to do yourself.

Driving happens to be one of the most important activities that you do from time to time. Unfortunately, you may be involved in a mishap of sorts when on road. It is indeed a traumatic experience to incur injuries and spending hugely on medical bills. Thankfully, the insurance company can be approached for making good your damages thereby helping you to cope with the tragic incident.

It is easier said than done though and the insurance company (yours or that of the accused person) may simply refuse to compensate you. Well, a simple damage such as a fender damage and a few scratches and bruises can be overlooked certainly but not the instances of grievous personal injuries. You definitely need to get in touch with the top car accident lawyer in order to claim your right. Sure, you may try to handle it on your own but that is not the accepted or recommended path to take. The facts below are sure to convince you about the efficacy of hiring a legal professional when it is time to claim damages for a car accident.

What can a good vehicle accident attorney do?

• Can handle the paperwork flawlessly and help you to file the claim perfectly
• You do not have to run from pillar to post trying to get past the red tape either as your representative will be sure to know the ropes thus saving you many a hassle
• Your lawyer will be able to recover the right amount due to you for your personal injuries and medical expenses.
• The amount required for repairing your damaged car in the aftermath of the mishap is also be covered in the amount that you receive from the concerned insurance company
• There are bound to be disputes with the insurance carrier refusing to pay the amount that you feel is a fair claim. Your legal representative will be able to negotiate with them on your behalf and arrive at a settlement that will help you to return to normal life ASAP
• Your lawyer will also stand by you and provide support if there is no possibility of settling the dispute. The matter is taken to the court thereafter with your law representative arguing the case on basis of the evidences collected.
• You will not only be compensated for your physical injuries but your lawyer will also be able to claim damages for the mental agony that you had to go through after the accident

Accidents can happen at any time, and on a wide scope of severity. At times, accidents happen because of human error or negligence, which can lead to a personal injury claim. Common examples of personal injury cases include motor vehicle collisions, slip and falls, workplace injuries, dog bites, medical malpractice, product defects, and assault.

When someone is seriously injured in an accident due to another negligence, they may be entitled to certain compensation for their damages and losses incurred as a result of the accident and subsequent injuries. Damages and losses differ from case to case depending on several factors, such as the extent of injuries, the extent of negligence, and the unique circumstances of the accident.

Common Types of Losses

Personal injury claims generally recognize and consider three types of losses, referred to as “compensatory damages.” These include economic losses, future economic losses, and non-economic losses. Types of economic losses may include medical expenses, hospital bills, OTC medication costs, prescription costs, lost wages, time off work, child care expenses, home maintenance expenses, fuel costs (to and from doctors’ visits), and similar expenditures.

Types of future economic losses may include prolonged medical treatment, physical therapy, long-term care, future medical expenses, future prescription costs, future hospital costs, and more. Types of non-economic losses may include pain and suffering, permanent disability, permanent disfigurement, mental anguish, PTSD, loss of social life, loss of work abilities, loss of companionship, loss of education experience, and more.

Medical Expenses

After being seriously injured in an accident, a person will require medical attention; and unfortunately, medical care is not free. Medical bill coverage is a big part of the financial recovery in a personal injury case. Services like ambulance rides, surgeries, doctor’s appointments, physical therapy, medical treatments, medicine, MRI’s, x-rays, CT scans, follow up care, and more, all cost a lot of money, even with health coverage. The total cost of a victim’s medical expenses vary from case to case, and depend largely on the extent and needs of their injuries. For more serious injuries, medical expenses can be ongoing for the remainder of a victim’s life, so future medical costs must be considered in a personal injury claim as well.

Lost Income and Additional Losses

When a person is seriously injured in an accident, they are unable to work, which means they lose out on the bi-weekly wages that generally pay for the cost of living. Rent, mortgages, car payments, electric bills, groceries, and more, are all common bills that must be paid to maintain the quality of life a victim had before the accident. If they are unable to work, they are losing money that usually pays these expenses and more. These types of losses may be recoverable in a personal injury case.

Additional monetary losses that may result from a serious injury include vehicle replacement, funeral costs, pain and suffering, loss of companionship, loss of work abilities, long-term emotional trauma, PTSD, and more.

The fire claims process is considered the time that the policy owner notifies their insurance company of the fire until the claim process is finished and ends in a settlement for the policy owner. To get to the end point there are several steps involved.

Review your policy

At all times you should know where to look for and find your insurance policy. It should be in a safe fireproof lock box or safety deposit box rented from the bank. When there is a fire you should get your insurance policy out and review it to determine what type of coverage you have and how much it is for, what is covered and what is excluded. This information will help you know how you should file your claim and if there are any deadlines to file your claim. Most of the information that you will need can generally be found on the declaration page. This is usually found at the beginning of your insurance policy. If, for some reason or other, you cannot find your insurance policy or do not understand what is covered and how to file a claim contact your insurance company.

Contacting your insurance company

As soon as you review your policy, or even before if you want, you should contact your insurance company to notify them of the fire and what type of loss you have suffered. Some insurance companies may require that you contact them as soon as the loss occurs while others may give you a couple of days. This information will also be in your insurance policy. With some insurance policies there are often provisions that will provide you with money for temporary housing if your home was destroyed by fire, which is another reason you should contact them as soon as possible. You may have to submit written notification instead of calling.

Information needed by insurance company

When you contact your insurance company they will tell you what you need to submit in order to start the fire claims process. This will generally consist of a statement from you telling what happened and what the damage is. If they need more information or documentation it is your responsibility to provide it as long as what they request is reasonable. Make sure that in all of your documentation that you are thorough because you will not be reimbursed for anything that is not documented.

Payment process

How you will be paid for your loss will depend on the type of fire claims you submitted and what the loss was. If it is a small loss the insurance company may just write a check but if it is to do repairs or rebuilding they may disburse the payments to the one doing the work.

There are so many different types of insurance available to Americans that it can be overwhelming. Whole life, disability, longevity ins, mortgage protection, pet ins, cell phone ins, but there are really three specific types of insurance that almost all adults need.

Renters / Home Insurance:

Renters or Home Policies are very similar forms of insurance. Both generally cover you for liability, personal property, and loss of use. Home Ins. additionally covers the structure when you own it. The moment that you are free and clear of your parents insurance policy, perhaps when you graduate from College or High School, “You Should Purchase a Renters Insurance Policy.”

A small amount of coverage for your personal property is helpful, but really its the liability insurance that you want and need. Liability insurance can helpful for various situations that you can find yourself in.

Add in a personal injury endorsement to expand the liability protection.

Health Insurance:

American Health Insurance may be overpriced, but it is a right and necessary product when compared with the alternative = no health insurance. Not having any health insurance can have a devastating change on anyone’s personal net worth. Ignore health insurance at your own peril.

All Americans really should either get private health insurance. health insurance through their employer, or Medicaid or Medicare through the government.

Consider all the various coverage options when you shop for health insurance.

Auto Coverage:

Auto insurance is insurance for your automobile and you the driver. It is pretty difficult to be allowed to buy a car without auto insurance these days. However when transacted through third parties it can happen. This is a big mistake, not only is it generally illegal not to have insurance on an auto of a certain state determined minimum standard, but it can also be financially ruinous not to carry auto insurance at all times. Don’t skip the insurance for even one day.

Young Adults should either be on their parents auto insurance or their own. Knowing when to split off onto your own policy can be complicated. However once you are out of the house, have the title in your name, its usually time to get the insurance policy entirely in your own name.

For folks that do not own a car, consider purchasing Non Owner Auto Insurance. Non owner auto insurance allows you to have car coverage when you drive someone else car. People that use other peoples cars or rent cars or have some savings should consider this.

Consider purchasing the highest amount of uninsured motorist coverage that you can afford.

The Three Big Ins Forms Americans Truly Need:

There you have it, three insurance forms that all Americans really should buy. Yes there are all sorts of useful insurance policies that many consumers should consider such as term life, short and long term disability ins, and earthquake ins – but many of those are not truly for everyone. These three can really are for all adults.