The Brilliance of “Design Your Own” Engagement Rings

There are few moments in life more exciting or more beautiful than that moment when two people decide to spend the rest their lives together. And when you design your own engagement rings as a keepsake token of that special moment, you’re creating a memory that will last a lifetime.

Designing your own engagement rings is a whole lot easier than you might initially think. In today’s world, many people are looking for more creative ways to express their love and devotion to another and, even though an engagement ring is certainly a very traditional token of this intent, when you design it yourself it adds a certain sentimental twist to the gesture. Not only that, but designing your own engagement ring is a good way to ensure uniqueness, as well as a good fit with her personal style. Now, you might be thinking, but I’m not a jeweler! I can’t design custom jewelry! But here’s the good news…you don’t have to have a high level of expertise or even fashion sense to design great diamond rings. You simply have to be able to choose and put together the elements you like from a selection of loose diamonds and ring settings. Here’s how the process of designing your own engagement rings works:

Step 1: Choose a Diamond
You will be presented with an array of loose diamonds from which to choose for your solitaire. Loose diamonds come in all shapes and sizes, and your search will be made infinitely easier if you take a moment to filter your diamond criteria by cut, carat, color and clarity. If you like, you can also filter your diamond search results by price, ensuring that you are only seeing the loose diamonds that fit into your specified budget.

Step 2: Choose a Setting
You’ve found the perfect diamond solitaire. Now, it’s time to choose a setting. Yellow gold, white gold and platinum are typical metal choices for the settings on diamond rings. Beyond that, a four- or six-prong arrangement will be recommended for securing the stone itself. And just like that, you’re almost done. Almost…

Step 3: Making it Your Own with Diamond Accents
That’s all it takes to put together beautiful diamond rings, but if you really want to dazzle her with a unique and distinctive piece of jewelry of your own design, then you need to take the process just one step further. Diamond accents add that extra touch of class and style that set custom engagement rings apart from the crowd; a token of your love that she’ll look upon fondly every day from this moment on.

It’s easy to design your own engagement rings and, when you see the look of joy and amazement on her face, you’ll know – without a doubt – that it was worth the extra effort involved in designing her ring yourself.

Online Gambling Debts – How to Deal With the Causes and Effects of Online Gambling Debts

One thing there is no shortage of on the internet is opportunities to gamble. We are spoilt for choice, whether your fancy is for betting on sports, playing virtual card games or bingo. One of the things that makes internet gambling so potentially dangerous is that it is easily available for 24 hours a day. The real danger comes when you combine this factor with the fact that it is so easy to feel detached from the reality of money spent online. Gradually racking up a debt online does not feel the same as handing over hard earned cash from our wallet, so it is that much easier to lose track of how your online spending is mounting up.

For these reasons, debt problems from internet gambling are on the increase. In this article I hope to clarify some of the legal issues around online gambling, as well as providing some advice on dealing with the underlying problem and the debts that result from it.

Legal Issues Around Gambling Debts

When we talk about debt from online gambling it is important to be clear about the nature of the debt, because who the money is owed to does make a difference. People are often unsure about the legality of debts from online gambling. In the UK you can gamble legally on credit and incur a debt, but this debt is not then enforceable through the law.

However, there is an important point to make here, which is that this only applies when you are using credit extended by the company offering the gambling (casino, bookie, etc). If you use a credit card company to pay for internet gambling, that is a legally enforceable debt the same as it would be in any other circumstance, because you have borrowed money from the credit card company, not the casino. It is now against the law in the US to use a credit card to pay for online gambling.

You will find that many credit cards will regard a payment to an internet gambling website as a cash advance. This is then clearly borrowing money from the card company and the debt you incur can be pursued through legal action. If you do use a credit card to pay for online gambling this way, you should be aware that cash advances on credit cards are almost always charged at a much higher rate of interest than normal credit for purchases.

How To Deal With Debts Caused By Gambling

In dealing with gambling debts, there are two separate issues to tackle. One is the debt itself, and the other is the habit of gambling that led to the debt. Even if the debt is dealt with, it is likely to build up again if the root cause is not tackled too. Let us first consider the problem of paying off the debt.

The principles for tackling debt are nearly always the same, irrespective of the causes of the debt. To permanently deal with debt you should not be considering borrowing more money or paying anyone to deal with your debt for you. These courses of action are likely to deepen your debt in the long run.

With a little advice, you can deal with your debts yourself, by contacting your creditors and agreeing terms for repayment that you can afford. There is clearly more to it than that, but it is beyond the scope of this particular article. The process is straightforward and allows you to take back control of your finances.

Factors Leading To Internet Gambling Debts

It may help to have an understanding of why some people can become addicted to online gambling. The following are often contributory factors:

Gambling can be thrilling, leading to an adrenalin rush and feelings that we want to recreate time and again.

Many addictive gamblers think that they can win money and that this will solve all their other problems. It actually just leads to more problems by creating debt, which can then make it seem even more important to win the money, creating a vicious circle.

Addiction to gambling can actually be a mental disorder, which can lead to a compulsive need to gamble.

Being addicted to online gambling is often associated with other personal difficulties, including depression and stress.

Online Gambling Debts – The Warning Signs You may have a problem if you can answer yes to any of the following questions:

When you are not gambling, do you think about gambling and how you are going to get back to it?

Have you ever missed work because of online gambling?

Do you feel the need to gamble again after winning or losing?

Is the length of time you spend on gambling getting longer and have you ever spent longer online than you thought you had?

Are you secretive about your gambling with family or friends and do you dislike other people bringing it up?

Practical Steps To Tackle Online Gambling Addiction If you think you may have a problem with online gambling, here are a few simple steps you can take to begin to reduce or stop the habit:

Be open with friends and family and seek help with the problem.

Cancel any accounts you have with websites for online gambling.

Consider using software that blocks your access to online gambling websites.

The Indian Home Textile Industry Is Gaining Global Foothold

Two decades back, stylish interiors or beautiful indoors were in minds of only a few homeowners. Most of the houses had limited stock of bed linen and bedsheets, which were washed and reused again and again. Home textiles and furnishings were majorly seen in the market during festivals only.

Now, thanks to the increasing number of households, growth of Indian retailing, rising disposable incomes, growth of the housing, hospitality and healthcare sectors along with mounting consumerism, we are witnessing a change in Indian middle-class lifestyle. People now, especially the young working couples, spend a considerable amount on interiors to give a trendy and modern look to their homes. All these factors have increased the demand for home textile products by 30-40% per annum.

Further, with e-commerce giants adding home segments to their websites, home furnishings and textiles have become even more appealing to the public. Be it cut-length curtains or readymade home textile items, the whole process of shopping has become hassle-free. A growing demand for high-quality home furnishings on e-commerce websites from around the world can be seen clearly.

India, in particular, is a home to some of the biggest home textile manufacturers including the likes of Welspun (3rd largest towel producer), Dicitex (5th largest furnishing fabrics producer) and Trident (largest terry towel manufacturer). Additionally, several Indian brands such as Spread, Birla Century, Super Net, ABN, etc. are renowned globally and growing at a healthy pace. Even some of the international brands, such as UCB, Espirit Home and many others, have witnessed a growth rate of 20-30% in the Indian home textile market.

The home textile industry in India is varied in terms of pricing, colours, design and even consumers. There are some who prefer international brands with no constraint on price while there are consumers who look for high volume at reasonable prices. Today, a consumer is becoming highly aware of the environment, safety and hygiene and thus, the demand for features like stain-resistant, fragrance, flame retardant in home textiles has gone exponentially high.

In 2014, India’s share in global home textiles was 11% that suggested a strong potential to grow. Indian textile companies get some favourable advantages in the rising global market. These include the huge availability of low-cost cotton, cheap labour, promising Government policies and the current trend of depreciation of Indian Rupee vis-à-vis foreign currency. All these factors have supported the potential of Indian textile players to reach great heights in the segment.

Mayank Mohindra is an author on apparel, fashion and textile industry. His articles are based on latest apparel industry news, textile news and/or analysis of the dynamics of global apparel trade, and fashion industry.