White Gold Engagement Rings: Choose A Class Apart!

There was a time when Gold was revered as the epitome of tradition. Shining, pretty and absolutely awesome, this yellow metal had it all until other options arrived. Don’t get us wrong, we are not against gold. After all, it’s a precious metal and looks pretty.

White Gold Engagement Rings are the next stage of evolution. Made of platinum, these rings look stylish and sophisticated, of course conveying the sentiment of love through their exclusive design. In terms of malleability and ductility, white gold possesses a nature similar to the real gold. However, in terms of beauty, it is truly for those who have an elevated taste.

Some interesting options in white gold engagement rings include:

The plain band: Nothing is more beautiful than the simple band like design. Yes! The concept of wedding bands has existed since eternity and there is no denying that it continues to be very enchanting even today.

The complementing design: There was a time when wedding bands had to be identical. In fact, originally, wedding bands never had to be in pairs. Having one was enough because tradition claimed that the guy had to give the wedding ring to the girl. The girl need not reciprocate the favor with equal velour. Now since the tradition has evolved keeping it a couple mix, a new and interesting idea would be to go for different wedding rings. We mean, why not choose complementing designs.

Blend it with diamonds: White gold shines and when you choose an exquisite design with diamonds in it, the beauty simply amplifies. Yes! Diamond studded designs in white gold are trending and if you are fond of some jazz, this could be a great choice.

How should you choose a great band?

Choosing a white gold engagement ring is not tough. There are experts who will do the metal identification and authentication for you. But if you want to understand more detail, it is advisable to do a little research proactively. When you choose white gold rings, they have to shine but in addition to the shine, you have to ensure that you are buying quality stuff. So, ensure that you buy a ring with the required certification.

6 Tips to Help you Find the Best Deal on Your Mortgage

When you are short on cash, it’s best to go for a mortgage, as there are banks and NBFCs that offer you loan against this collateral.
However, it is important that you find the best deal on mortgages so you don’t end up making an unprofitable bargain.

The interest rates that you would pay for your mortgage would depend on a few factors that you need to look at before applying.
In general, any investor would love to pay as little as possible and spend that money on other things.

Here are few tips to help you get the best deal on the mortgage you take:

1. Research and Shop Around

When shopping for mortgage schemes, don’t settle for the first quote you find. If you are taking the loan for buying a new home,
your real estate agent might direct you to a few set of lenders and claim that they offer the best interest rates.

However, make sure that you research the market and settle only for the best deal.Securing the best mortgage can be complicated and it can be a time consuming process. Compare the interest rates online before taking the final call,
whether you’re approaching a local lender or a big financial institution.

2. Spruce up your Credit Scores

Brushing up on your credit score is important before applying for a mortgage loan.
Your eligibility and the interest rate offered will depend on your credit score.

The better your credit score, the lower the rate and the more choices for home loans you would have.
Home loan against property is a common mortgage scheme offered by most of the banks and NBFCs.
Even if you already have a home loan in your name, you can still get mortgage loans.
You know abut the home loan eligibility criteria and need to provide the right set of home loan documents.

3. Increase the Down Payment

It’s not easy to save enough for the down payment. However, paying more for the down payment can help you get a better interest rate.
You can also save yourself from paying for mortgage insurance which is charged by many lenders if your down payment is really low.

4. Income Stability and Employment

Lenders prefer borrowers who show proof of a steady employment for at least the past 2 years. In an ideal world,a person who has been in the same company for the past 2 years or has shifted to a better-paying job is a preferable candidate to lenders have strict norms for self employed people, and you’ll need to document your business income along with your tax returns for the past two years.

5. Debt-to-Income Ratio

DTI or debt-to-income ratio can be measured in two ways.

The first is a backend ratio that measures the total of your minimum debt payments and your new housing payments on a monthly basis divided by your overall income.
The front end ratio, on the other hand, focuses only on your housing costs without taking your debts into account.
The lower these ratios are, the more likely you are to get a better deal from banks and NBFCs.

6. Lock your Rate

If you manage to find a low interest rate but still want to shop around, don’t forget to lock the rate.
This would ensure that you at least have that rate if you don’t find something lower.
Most of the lenders would allow you to lock the rate for a period of 30 days.

Why Your Business Needs an Online Marketing Strategy

Whether you own a local brick and mortar business or an online company or any business, you’ll need to use the Internet to promote your products and services. The online community is a vast goldmine of potential consumers who log in each day to search for every good and service you could imagine. If you have a product or service, there’s a market for it online. Tapping into that world-wide reservoir of customers is a must if you want your business to not only succeed, but thrive. While word of mouth and certain offline advertising can be great revenue generators for your business, it is important that you implement an online marketing strategy and get it working for you and your business.

Just like any other task involved in the promotion of a business, you’ll need to come up with a solid, effective online marketing strategy, to ensure the best possible outcome – in this case, boosting your customer base, and therefore your business revenue. This doesn’t need to be rocket science, you just need to outline the steps you are going to take to promote your business online.

The most important goal in an online marketing strategy is getting consumers to view your webpage; they can’t buy what they can’t see. This isn’t something that can be left to chance, as there are literally millions of websites online for customers to browse. You’ll need to find a way to direct these consumers to your website, via any number of effective tactics, such as search engines, email marketing, pay per click advertising, social media etc. That way, any time an online consumer is looking for something you provide, you’ll have a that much more of a chance of being their primary choice. Whatever your product or service, you want your business to be known as the market leader. The main factor to ensure in promoting your business is that you’re targeting the right market; if you sell antiques, don’t target a dog training market. While that is an extreme example, the principal still applies.

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