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Engagement is a very special function which would always stay close to your heart. Picking up the right engagement ring for your dear one may be a complex task especially when you have a plethora of options to choose from. The style, the type of stones and their cut, the kind of metal, the design, etc. are some of the questions which arise in your mind when you are on your search for a ring. Vintage engagements rings are something worth a try! Have a look at the vintage collection of Gerry the jeweler!

Before making a decision, read this to know what makes vintage rings different from the rest!

They are unique

Your engagement ring is a representation of your true love, so it should be something truly unique. Its singularity will be affected if many around you have the same type of ring. According to a recent fashion article in www.popsugar.com, this is the reason why people nowadays are behind vintage rings. They are crafted by talented jewelers and would be unique master pieces with not many duplicates found around. Thus a vintage ring is the best symbol to represent your unique love to your dear one.

They make excellent heirlooms

An engagement ring is a sign of commitment and affection that has to stay on your finger till your death. You may even pass it on to your next generation as a pride possession. Take the case of Prince William who used his mother’s engagement ring to propose to his lady love. So, instead of buying an ordinary engagement ring, invest a little effort and money to pick up an exceptional one which can be a treasure for your coming generations.

Don’t worry about conflict diamonds

Some diamonds, though they may be very less in number were mined out by workers who were war captives and the money gained by selling them went to buy weapons to support the war. Such a diamond is definitely not something which you would wish to have in your engagement ring. It should symbolize love and not war or conflicts. Only diamonds produced between the early 1990s and early 2000s have this concern associated with them. The percentage of such diamonds is less than one, but why risk it when you have vintage rings as your safest option?

Their history is unmatchable

It would be a great privilege to wear a vintage ring with some history behind it.  A real vintage ring would have a lot of stories associated with it regarding the ones who had worn it, where it had been, the times it had gone through, etc. A new ring would have just beauty but never such an exciting history! So if you want your engagement ring to be really special, buy an original vintage ring which is a tiny fragment of the bygone era!

So, make a wise decision and pick up the right jewel for your special occasion. Choose something which you can proudly hand over to your next generation! It’s a symbol of your eternal love; so choose the ultimate best!

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Buying a hat is a pleasure for most of you. Yes, there may be confusions when you enter the shops as there will be so many presented before you. Finding the perfect mens hat accessories is such a matter of joy. Did you know that the appearance of the hat is not the only factor you have to consider?

Buying a hat should depend on the following factors:-
· The shape of your face
· Color combinations
· Skin color vs. color of the hat
Some of you may be surprised knowing that the shape of your face has a role in determining what hat to wear. Let’s take a look at this.

Commonly seen shapes includes
· Square face
· Round face
· Diamond face
· Oblong face
For a square face, try getting a floppy hat or one with curvy lines (the type bowlers commonly wear). Since these groups of people have a wide forehead with wide cheekbones, such hats will give a flattering look.

Now those of you who have round faces should get an angular hat. This is because your face is really symmetrical. You can also get a hat with a peaked brim or slanted one. High crowns also suit this category of people well. Remember now to buy rounded tall crowns and also wide ones. This will enhance the round appearance of your face.

Diamond Shape
For this category, you need a pinched crown hat with a moderate or wide brim. Since your face is angular, this will bring out your best features.

Measuring your hat size
The perfect fitting hat is what you need to bring out the real look. It will help people appreciate your choice. Get a measuring tape and check the circumference of your head, just above the ears. Every shop will have a size chart which will help you match your measurement.
Now go out and shop for the perfect hat!

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private money lender

Not every person is blessed enough to go through life without undergoing the hardship that comes along with a cash crunch. At times of financial need, we may have to look elsewhere for funds. Though the most preferred institution most people contact in this regard are the banks, the option of availing short-term funds from a private money lender has today become popular with many people opting for this mode of finance.

Who Are Private Money Lenders? What’s Their Deal?
Private Money Lenders are a definite Godsend for those who require immediate financial assistance, but cannot avail the same from the traditional sources of finance, like banks, etc. Why? The reasons are aplenty, however the main causes, as enumerated by a recent article in www.forbes.com are: lack of collateral, low credit ratings, previous loans and issues related to payments, loan repayment history, etc. Any one of these can cause the loan application to be denied or postponed. Now, imagine the funds were required for closing a deal, like a real estate venture, where the repayment is guaranteed on receipt of the profits? This is a dismal situation and is a perfect example of lost opportunity.

Its at times like this that the true usefulness of the private money lender comes to the fore. A private money lender is often referred to as a Hard Money Lender. Please be aware that this mode of financial assistance is a typical example of one being offered by a non-institutional individual or company, i.e., not a bank. The main advantage that people who avail such credit vouch for is the relative ease with which the process is done. There is virtually no red tape, no waiting in long queues, and no unnecessary and often tedious verification processes. A person’s credit score is never taken into consideration by the Hard Money Lender.

Often, it’s the choice of private lenders that boggles one’s mind. Today, many lenders can be found. So, how then can the best suited one be chosen, from the many that now exist?
Given below are a few hints that ought to help you make an informed choice. Be wary, for not all lenders are as helpful as they seem.

Tip 1: Ask- Are they legit?
This is the foremost step that needs a considerable amount of thought before proceeding with the deal. It is vital to see to it that the lender is legitimate. You need to deal with reliable money lenders, who will not trick you out of your money.

Tip 2: Understand the need for Background Checks
Background checks will help assess the worthiness of the private money lender. Expect to find relevant information like experience, credibility, etc. by way of getting a background check done.

Tip 3: Take an interest in the Interest Rates
Interest rates of the loan matter a lot while choosing the money lender. Try to look for lenders who offer loans at interest rates that are favorable to you.

Tip 4: Ease in application and approval
Look for a private money lender who doesn’t delay the approval process without due cause. This is important especially for loans that are being taken to finance time-based projects.

Tip 5: Easy payment options
As a borrower, it is your responsibility to repay the loan amount, as well as deposit the accrued interest. Thus, it becomes vital to find a lender that offers easy payment schemes.

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