Celebrate one of the most important decisions of your life with a beautiful engagement ring. While traditionally expensive, engagement rings no longer have to break your budget. Fortunately, retailers offer a variety of unique and stunning engagement rings at a range of price points. Whether you are looking for platinum or white, rose, or yellow gold, engagement rings are available in a variety of styles and stone settings. The diamonds available for engagement rings vary in cut, color, clarity, and carat, characteristics of which all contribute to the overall beauty of the diamond and the ring itself. Shoppers also need to consider the shape of the gemstone, from traditional and popular round diamonds to the more affordable princess cut stones. While shoppers may prefer to spend time in-store shopping for the perfect diamond engagement ring, there are plenty of deals online for those who have done enough research in person and know exactly what they want. The three best places to shop for engagement rings include Kay Jewelers, Zales, and James Allen. Read on to find out who’s offering the best deals on unique engagement rings.

Kay Jewelers is another popular retailer for finding engagement rings where you can always get something beautiful at a great deal. With rings available from $250 to $10,000, there’s something for everyone. Need help choosing what she’ll love? Check out the top ten engagement rings available and see what people are buying. Build your own ring, customizing it to your exact preferences and save up to 30 percent off. Select from rose, white or yellow gold, choose a mount design and your diamond – it’s that easy. With so many classic and unique designs, finding a ring for your partner has never been more challenging nor fun. For a limited time, Kay is offering free sizing in-store. Best of all, you can find sale and clearance items throughout the year with a large enough selection that you won’t feel like you are settling for less than the best. Find sale items like the Diamond Engagement Ring 1/2 CT TW Princess-Cut 14K White Gold for as much as 47 percent off or the Diamond Solitaire Ring 1/2 carat Round-Cut 14K Yellow Gold for 30 percent off. And with thousands of clearance items available on top of that, you are bound to find something she’ll love, provided you know her well enough.

Zales is one of the most popular places to pick up engagement rings, offering a wide range of both extravagant and more affordable pieces both in-store and online. More expensive options that shoppers can find in the store can be purchased from the Zales website at a lower price. The Diamond Double Cushion Frame Split Shank Engagement Ring in 14K Two-Tone Gold, normally a $2,779 value, can be purchased for just $2,219 online – a savings of over $500. The Celebration Lux 1/2 CT. Diamond Solitaire Engagement Ring in 14K White Gold is an even better deal at $1,000 off the asking price. On top of this, you can find engagement rings for as low as $219 including the Princess-Cut Lab-Created White Sapphire Three Stone Engagement Ring in 10K Rose Gold. Sitewide, Zales offers a 30 percent discount and clearance items that are even lower in price. In addition, you can get $50 off by joining Zales’s email list. When applying for the Zales credit card, you can get up to 36 months of special financing depending on how much you spend. On top of this, you’ll receive special deals nobody else can get such as $50 off on your birthday, 10 percent off of repair services and free standard shipping for online purchases.

James Allen has been in the engagement ring for over 10 years and has a lot of experience helping people find great rings for lower prices. Using their website tool, you can quickly find a ring that suits your preferences, selecting the metal, style and stone setting of your choice. With solitaire engagement rings available for as low as $180, you’ve never seen prices this low. But right now, all engagement rings are 25 percent off, so you can get something a little fancier like the Graduated Pave Swirl Engagement Ring, which is normally available for over $1,000 but now you can get for over $200 less. Other offers include up to $100 off when you join the James Allen mailing list. All rings come with free international shipping, a lifetime warranty, and a 100 percent money back guarantee - so if things don’t work out, you’re at least covered for the ring.

Need to rollover a 401k? This type of retirement account is one of the most popular employer-sponsored investment plans out there, with employees depending on this money for their retirement. But what happens if you lose your job? What do you do with that money and where does it go? Should you lose or quit your job, you’ll be faced with a few different options. While you could elect to cash out your 401K plan, you can get quite a hefty penalty and you’ll also have to pay taxes on the amount you cash out because it is considered income. But on top of this, you’ll also lose a ton of money that you could have potentially earned from those savings. Another option is to leave your 401k retirement savings with your employer, which may seem look a good option if you don’t know what to do with it. But this also poses plenty of problems in itself, most of all, draining your finances with fees that you may not even be aware of. In the end, the best option is to do a 401K rollover.

To eliminate the many drawbacks of leaving your 401K retirement plan with your former employer or cashing out, opening a rollover account will allow you to continue saving for retirement easily and effectively. The best way to rollover your 401k is to place your savings into an individual retirement account, also called an IRA. Funds from your 401k can be sent straight into your IRA account without losing the money to any fees or penalties, because you are not yet actually acquiring the funds. Transferring is easy in itself, requiring only a third-party administrator to handle the transfer for you. Providing any necessary information about the account, as well as your social security number, the administrator of your IRA can directly deposit your investments.

If you don’t want someone else handling the transfer, you can do it yourself. You can do an indirect rollover by getting a check of your retirement savings and depositing the money directly into a IRA account. You’ll have 60 days to do this without any penalties or fees. There is however a 20 percent withholding requirement. For the actual opening the IRA rollover account,  there are no fees nor are there fees for maintaining it. Should you need to withdraw money from your IRA rollover, you can do so without penalty unlike a 401K, although there will be taxes.

Once your money is into an IRA rollover account,  there are a ton of advantages you’ll have. Most of all, your money will be able to continue to grow rather than stay the same amount as it would if you left your 401k with your employer. You’ll also have the advantage of being able to make contributions. If you have multiple retirement accounts, you can consolidate the accounts into one IRA. Your IRA provider may be able to help you with investment guidance and provide you with any necessary tools that would be of value to you. The top 401k rollover options can be found at investment companies like Charles Schwab, Fidelity and TD Ameritrade. 

Promotional merchandise with a logo for your business is a form of moving advertising. You can use it to promote your business to world, reward your employees or show your presence during a special event, such as a charity 5k.

Top-selling promotional items show changes over the years. Today, custom masks with a logo are getting attention, according to a marketing survey done by the ASI Impressions Study. Tech items, especially promotional USB drives, have become very popular. The survey found that these drives are popular with the older generations as well as Generation Z and Millennials. People hold onto the drives, seeing the logo again and again. Businesses might consider these as rewards for employees or hand-outs at a business expo or conference.

Sustainable promo items are also a trend, especially among women. These can range from a fleece blanket, a reclaimed journal, recycled duffels or backpacks or bamboo lunch boxes. There are a variety of items that you can utilize to show your business is also earth-friendly and concerned for the environment.

Clothing, especially outerwear, has a long lifespan and is ideal for promoting your business over the long term. Jackets with sizing that can be modified, through belting, is one option. Synthetic down puffer jackets work well in colder climates and are easy to care for, which is always appreciated. Lightweight knits and fabrics that are water repellent are always popular. Have a sporting event or outdoor festival with your company employees? This type of promotional gift will be ideal. Fleece outerwear and vests are also popular promotional items during the cooler seasons across the country.

What about the ever-popular hat? Customized headwear optimizes your brand and can get up to 3400 impressions during a lifetime of 10 months. In warmer weather or for sports events, trucker hats, with their mesh backs, may help folks stay cool. Have you ever thought of the colorful beanie as a way to promote your business? Available in a variety of styles, with or without a pompom, beanies are popular today and can be a great promotional item.

From corporate gifting to enhancing the customer experience to optimizing and engaging employees, promotional merchandise can show a business to the world in a unique and lasting way. Choose your favorites, whether stress busters or water bottles for the thirsty, and you can be seen and remembered. In fact, promo items may even bring smiles of delight.

Save space with attractive and comfortable murphy beds! These types of hide-away beds allow individuals to save much-needed space, and are ideal for studio apartments, small living spaces, or any room of the house. Designed as cabinets, murphy beds fit seamlessly against walls and pull out easily when needed. When more space is needed, the bed can be conveniently put back where it belongs. Murphy beds range from traditional styles to sleek and modern and come in finishes like white, walnut, charcoal, and espresso. While the prices for murphy beds range from $1,000 to as much as $5,000, there are places to find good deals. The three best places to find murphy beds include Joss and Main, Rooms to Go, and Office Supply. Read on to find out what you need to know about purchasing murphy beds from these retailers.

Joss and Main specialize in a wide range of unique brands and pieces of furniture, including murphy beds. the Lower Weston murphy bed is currently offered at a savings of 15 percent, for only $1,025. Shoppers can choose from four colors: rustic cinnamon, espresso, pure white, and charcoal. Shoppers can also order this bed in full or queen size. In whatever color or size, this bed has a rustic charm that would look great in a traditional or more contemporary setting. Not only is that a great price on a great product, but Joss and Main are offering free shipping on everything for a limited time only.

One of the leading furniture stores in the country, Rooms to Go offers a complete selection of murphy beds along with other home furnishings. The Dalena Gray Queen Wall Bed is a dramatic murphy bed with a headboard covered with a tufted gray fabric that lends a striking look to a rooms design. It also has a large towering headboard for additional design impact. This wall bed is made from sturdy materials so it will last for years to come and fit seamlessly into the wall so it wont interfere with the flow of the room or function of a space. This murphy bed is offered at a great price of only $799. Standard UPS ground shipping is free. In addition, shoppers who use their Rooms to Go credit card will enjoy interest-free financing until December 2022.

Office Supply isn't just for offices! This online retailer also offers bedroom furniture of all kinds, including murphy beds. The full-size Bestar Edge wall bed offers comfort and convenience, with a Euroslat mattress support system which allows the user to get a great nights sleep with exceptional support found in many of the other regular floor model mattresses. The dual-piston system makes this bed easy and safe to fold down and up, which is an advantage over other models. This murphy bed is currently offered for $1,345, with free shipping. Shoppers can take advantage of Office Supply's $10 off an order, and customers who sign up for the email list can also receive a special mystery offer.