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Dec 8 2024
Moissanite Engagement Rings – A Diamond Alternative

Moissanite Engagement Rings are a popular alternative to traditional diamond engagement rings. Moissanite is a diamond simulant that was first discovered in minute natural crystals by French chemist Henri Moissan in 1893 and is known for its durability, sparkle and brilliance. It is also much more affordable than a real diamond making it a popular and desirable choice for many people.

Is Moissanite a good diamond alternative?

Yes, moissanite is a natural stone made of silicon carbide and was first discovered in Canyon Diablo meteorites by Nobel Prize winning chemist Henri Moissan. It’s now exclusively grown in labs to create gems large enough to cut and make into jewelry. It is hard-wearing, long-lasting and has a brilliant sparkle that rivals even the finest natural diamonds. It scores 9.25 on the Mohs scale of hardness and is highly durable.

Moissanite is also ethically sourced compared to diamonds that are mined in Africa and can be traced back to their source with ease. It is the ideal choice for those who want to avoid the conflict, violence and human rights abuses associated with many of the world’s diamond miners.

However, it is important to note that even though Moissanite has all the attributes of a great diamond, it will never have the same sparkle and beauty as a natural diamond. This is because a diamond has a very special and unique combination of reflected light, color refraction and scintillation. This is what gives it that distinctive ‘disco ball effect’ you see when you look at a diamond.

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Dec 8 2024
Investment Advice

Investment advice refers to a professional’s recommendations about investing in securities, either through a brokerage account or a managed fund. In order to give investment advice, professionals must adhere to certain policies and procedures designed to ensure they provide their clients with a high standard of care and that the advice they provide is in their client’s best interest. They also must follow rules designed to limit conflicts of interest and they must make basic information about their fees and services available to investors. More info https://www.theinvestorscentre.co.uk/

A fiduciary is someone who has a legal obligation to put the interests of his or her client ahead of his or her own interests. Investment advisers are fiduciaries, and they must comply with the fiduciary duty regulations of the Securities and Exchange Commission (SEC) or state securities regulators. Broker-dealers, on the other hand, are only required to meet a suitability standard when making recommendations to retail customers.

Investment Advice for Retirees: Building Financial Security

In addition to the requirements of being a fiduciary, investment advisers must disclose any material conflicts of interest that they have. They must also give investors the opportunity to waive the conflict of interest protections in place, such as by signing a written waiver agreement. Broker-dealers, on the otherhand, are not required to do this.

Investment advisers must also comply with certain disclosure and registration requirements. They must register with the SEC or state securities regulators and pass a competency examination. They must also provide their clients with a copy of FORM ADV Part 2, formerly known as a Financial Industry Regulatory Authority (FINRA) Form ADV, and any state-specific forms required by the states where they offer services.

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