4 Reason Why Art Socks Are a Great Idea

Socks designed by artists have seen a significant increase in popularity in the last few years. They are being created with inspiration from true artists, as well as actors, sports stars and other personalities. The ability to blend creativity and artistry has resulted in the type of socks that have become a fashion statement and will brighten the day of everyone that wears them.

Let’s take a look at a few reasons why these socks have become a fashion trend:

Unique designs

The socks are designed with the help of an original work of art to create the design that can easily accessorize any outfit. Artists are given the opportunity to create an inspired print that is entirely based on their preferred style and color choices. Many of the socks combine something that is original, bold and bright to really stand out. They may include the unique design that includes characters, stripes, shapes, patterns, coastal landscapes or abstract floral creations.

Great accessories

The unique design and style of these socks make them a perfect accessory to complete an outfit. A well-chosen pair of socks can help to seamlessly bind an outfit to create the truly harmonious look. The unique concepts, styles and colors used in the designs make it possible to really show your individuality when wearing the socks.

High-quality

The high-quality nature of these socks means they are made with superior materials that keep the feet warm and comfortable. Many of the socks are created using the latest knitting techniques to make it possible to fully capture the fine details of a particular design. However, they are still kept at an affordable price to make them available to anyone that wants to enjoy the unique look.

Gift idea

Any serious sock wearer will appreciate a stylish pair of socks designed by artists. They are a wonderful gift idea with the classic to modern print ideas that make them a lot more interesting than a typical pair of plain socks. Also, they can make a great conversation starter and perfect for any special occasions, holidays, or weddings.

Whether you are looking to dress up or dress down, these captivating and inspiring socks are essentially timeless works that make it possible to literally wear art. They are certain to be a great addition for any sock drawer and with plenty of color choices, they can easily complement your individual fashion preference.

Five Tips to Help You Get the Right Sterling Silver Ring

There is no denying that silver jewelry is exquisite. It is also known for its durability, appearance, and affordability. With 92.5 percent silver and 7.5 percent copper (or any metal), artisans mostly use sterling silver in rings and earrings.

Finding premium quality can be a challenge if you have an untrained eye. The popular jewelry material appears similar to platinum and pure silver and it is hard to spot the difference. However, to find a quality piece, it is important to know the difference between various jewelry materials.

There are numerous online and local jewelers selling imitations. Regardless of how unique and beautiful your ring design is, it is hard to assess its authenticity. However, if you think you do not have an experienced eye to pick up the real sterling silver ring, we can help you. These five tips will help you ensure that you are investing in the real deal.

Tips to Buying an Authentic Sterling Silver Ring

1. Assess The Ring Price: Assessing price is crucial as sterling silver is a precious metal and that must be reflected in its price. It is better to check the current market price of the material before you go to buy a ring. This tip will provide you a baseline to help you assess the ring’s price. Be aware of inexpensive deals and massive discount rates on the sterling silver rings

2. Look For Specific Hallmarks On The Ring: Luckily, sterling silver has certain specific hallmarks that distinguish it from other similar materials. Identifying these hallmarks is not easy as they are mostly in discrete places and can be incredibly tiny. You might need a magnifying glass and good lighting to check them.

’925′ or ‘STERLING’ are the two hallmarks that you can find on your ring when you physically inspect it. If your ring has any of these marks, it is of a good quality.

3. Ensure Authenticity with Physical Tests: This is one of the reliable ways to assess the quality of your ring. Simple, yet effective, these minor tests are harmless and do not take much time.

One way to test authenticity is to check if your ring latches on a magnet. If it does not have the magnetic property, it is pure and safe to invest money in.
Rub your ring with a white cloth, if you see black marks rest assure, you have made the right choice.

4. Talk to a jeweler: Talking to a jeweler will help you determine the price, quality, silver sourcing and hallmarks of the ring. Moreover, the jeweler will better guide you about the latest trends and designs in sterling silver rings.

5. Go For an Appraisal: Getting an appraisal is a convenient way to ensure the quality of your ring. Consult an expert after you buy the ring to make sure you have invested in the right product.

6. Bottom Line: Following the above-mentioned tips will go a long way in making sure you buy an authentic sterling silver ring. Although they are much more affordable form of jewelry when compared to gold, you still want to make sure that the one you buy is of very high quality.

Bank Balance Sheet

A balance sheet of a bank shows all financial operations conducted by a bank for a certain period of time. It reveals the borrowed funds by them, their own funds, their sources, their placements in credit and other transactions.

It is recorded in the two ways. In the left part (asset) all assets are reflected and in the right (passive) – liabilities and capital of the bank are positioned. An asset is anything that can be old whereas a liability is an obligation of the financial institution that must be eventually paid back. The owner’s equity in a bank is often referred to as bank capital, which is the remaining amount when all assets have been sold and all liabilities have been paid. The relationship of all balance sheet components can be simply described by the following equation.

Bank Assets = Bank Liabilities + Bank Capital

Assets earn revenue and include:

-Cash in hand;

-Funds on correspondent accounts;

-Funds in reserve funds of the bank;

-Granted loans to legal entities and individuals; (client loan portfolio)

-Interbank loans granted;

-Government bonds;

-Commercial securities;

Depending on the nature of the sources of funds, all liabilities differ in terms of their duration and cost. The main sources of funds as a rule, are deposits of individuals and legal entities, and in addition, funds of central (national) banks and loans obtained from other commercial banks.

Liabilities:

-Funds of banks and other credit institutions;

-Clients accounts, including household deposits;

- The promissory notes issued by the bank;

By using liabilities the owners of banks can leverage their capital to earn much more value than would otherwise be possible using only the bank’s capital.

Also, Central banks regulate bank liabilities by setting mandatory reserve requirements from attracted deposits or by imposing administrative restrictions or incentives.

Assets and liabilities are further distinguished as being either current or long-term. Current assets are assets expected to be sold or otherwise converted to cash within 1 year; otherwise, the assets are long-term. Current liabilities are expected to be paid within 1 year; otherwise, the liabilities are long-term. Current assets and current liabilities are important in assessing liquidity of bank. The deduction of Current assets from Current liabilities gives us a working capital. It is a measure of liquidity. An excess in Working capital a bank is able to meet its short- term liabilities