12 Diamond Cluster Engagement Rings So Chic, You Might Buy One for Yourself
There’s a lid for every pot and a ring for every finger… at least that’s how the saying goes in our heads. Whether you’re a minimalist diamond kind of girl, prefer colorful gemstones or opt for a vintage engagement ring, there’s a bauble out there that will instantly make you say “I do.” The latest engagement ring trend to grab our attention? The diamond cluster ring. The gorgeous style features multiple sparkling stones in a variety of shapes and sizes. From looks anchored by larger center rocks to groupings of multi-colored gems, each ring offers a unique take on nuptial jewels. Have a look at these stunning cluster engagement rings that could very well be the bauble of your dreams.
1. Mociun Rose Cushion Cut Diamond Cluster Ring (Price upon request): While the rose cut diamond has been one of the most popular styles in jewelry since the 16th century (seriously), this ring still manages to be the epitome of contemporary style. The cluster of diamonds forms a partial halo that’s ideal for the modern bride, adding a touch of elegance to this breathtaking ring.
2. Bario Neal Custom Rose Cut Diamond Cluster Ring (Price upon request): This unexpected asymmetrical setting is as unique as it is DDG. Custom designs like this one offer a charming twist on tried-and-true designs. This cluster ring in a rose gold finish is so wearable, you can snag it now — no engagement necessary.
3. Joseph Jewelry Custom Cluster Set Diamond and Sapphire Engagement Ring ($5,245): Not every bride has her heart set on a diamond solitaire, but every bride will appreciate this gorgeous design. A little bit of color brings the ring into It girl-approved territory, but it’s the rose gold finish that makes this look truly one of a kind.
4. Mociun Blue White Bicolor Sapphire and Imperial Topaz Crescent Cluster Ring (Price upon request): This custom cluster setting features over a carat of diamonds and incorporates precious gemstones such as sapphire and topaz into the mix. The sweet detail of the varied stones makes this jewel a perfect fit for your engagement, holiday gift or simply as a treat to yourself. #YouDeserveIt
5. Bario Neal Custom Heirloom Diamond Cluster Ring (Price upon request): Inspired by the cosmos, this celestial-shaped ring calls to mind the romantic notion that love is eternal. We can totally see why cluster diamond settings are being called the look of the “New Romantics.”
6. Mociun Trillion Cut Champagne Diamond and White Diamond Line Cluster Ring (Price upon request): This beautiful ring shows us just how gorgeous and elegant mismatched diamonds can be. Here, the cluster is arranged in a straight line — an eye-catching way to display the brilliant variations on the neutral hue.
7. Bario Neal Hexagonal Sapphire Cluster Ring ($2,837): And swoon. This multi-stone ring brings together heirloom gems of different cuts, colors and sizes for a look that is anything but ordinary. Choose your metal and variations on the hue of the center hexagonal sapphire and prepare yourself for the slew of compliments headed your way.
8. EF Collection Open Diamond Triple Trio Ring ($1,095): This amazing open-work ring features petite diamond clusters designed to give the illusion that the stones are floating freely on your finger — so chic, and so wearable. Make this beauty yours now and decide later if you want to rock it on your right hand or left.
9. Melanie Casey Red Ruby and Champagne Diamond Cluster Ring ($5,800): With shades of ruby red, yellow gold and champagne, this grouping of heirloom stones just might be the trifecta for girly girls everywhere. Precious gemstones and a stunning marquise center ruby give the ring a decidedly feminine and romantic feel.
10. Heidi Gibson The Valentina Ring ($2,150): The Valentina uses a cluster setting to soften the look of its center marquise diamond. The smaller, double halo cluster stones upgrade the classic shape for a more modern appeal and an altogether stunning piece of jewelry.
11. HN Jewelry Marquise Cluster Diamond Wedding Ring ($1,680): In a cross between a diamond wedding band and cluster engagement ring, this simple style uses alternating marquis and circular stones to set itself apart. Even without a center focal point, the ring is one of the most elegant we’ve ever seen.
12. N+A All the Stars Gathered Ring ($1,010): For the bride who doesn’t want to compromise her everyday style, this ring is made with you in mind. With a petite constellation of diamonds and goes-with-everything appeal, this version of the clustered trend offers a look that is subtle and timeless. In fact, this ring is so perfect, we just might rock it on our right hand instead.
Seen any cluster diamond engagement rings we should know about? Let us know on Pinterest!
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Welcome to Selfmade Finance School, our new money series with Block Advisors to help small business owners with their tax, bookkeeping, and payroll needs year-round. This week, we explore the tax implications of bringing family members into your business.
The question for today is this: Does hiring your family members make sense for your business? Let me be clear. This is not a piece about whether hiring your family members makes sense for your relationships with those family members. As someone who is part of a family business, I could fill up a lot more than 600 words on my opinions about that. For today's purposes, we focus on whether it makes sense from an overall "good business and tax implication" perspective. As it turns out, there is a decent amount of tax nuance when it comes to employing your family. Let's break it down based on relationship to the employee:
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Spouses Who Are In Business Together
Personally, if I had to be in business with my husband, it would not go well. However, many couples build viable, strong businesses together and I say, good for them! Depending on how you have your business entity structured, it will make a big difference on the tax treatment of you and your spouse working as partners. Because a business jointly owned and operated by a married couple is generally treated as a partnership for Federal tax purposes, the spouses must comply with filing and record keeping requirements imposed on partnerships and their partners. The election to file two Schedule C (Form 1040) forms, (one for each spouse) permits certain married co-owners to avoid filing partnership returns, provided that each spouse separately reports a share of all the businesses' items of income, gain, loss, deduction, and credit. Under the election, both spouses will be subject to self-employment tax and on net earnings from self-employment and receive credit for Social Security earnings.
One Spouse Employs Another
If you have a dynamic where your spouse is an employee of your business, then your spouse's wages are subject to income tax withholding, Social Security and Medicare taxes. If you are self-employed (not a corporation or a partnership), your spouse's pay does not have to be included in your federal unemployment tax account (FUTA) contributions and payments. However, if your business is a corporation or a partnership you must include that spouse's pay in your unemployment tax contribution calculation.
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You Employ Your Child
First, let's be clear. I work in my family business, but I am an adult, so I am treated just like a normal employee. However, if you, for example, run a family restaurant and want to hire your children under 18 to work for you, there are some tax benefits. But first, you should check with your state for rules on how many hours minors can work (in non-agricultural jobs) and reference the Fair Labor Standards Act for information on limitations on the kinds of work children can perform.
"This is an often overlooked or under-utilized strategy. Paying your children for true services they provide in your business can be a powerful tax-saving tool," says Cathi Reed, Block Advisors Regional Director. "If you are a sole-proprietorship or single member LLC, and the child is less than 18 years of age, the business is not required to withhold FICA or payroll taxes. The child can use his or her standard deduction against income you pay."
You Hire Your Parent
Oh dear. If you are brave enough to do this, know that you will need to pay Social Security and Medicare taxes on your parent's wages and make the appropriate withholdings, but you don't have to pay unemployment taxes. Now all you have to do is convince your parent that you are the boss. Have fun with that!
Is Hiring Family Members Worth It For The Tax Benefits?
"There are some positive tax advantages to hiring family members. It's important to treat a family member like any other employee. Hiring your children can result in substantial savings for businesses. Make sure your child has real, age-appropriate work to do and a reasonable pay rate, comparable to other employees. Consult with a Block Advisors small business certified tax pro to ensure that you are complying with all requirements," advises Reed. "Block Advisors, a team within H&R Block, is dedicated to meeting the tax, bookkeeping and payroll needs of small business owners year-round. To start working with the tax experts at Block Advisors, visit blockadvisors.com."
In my opinion, you should not hire a family member solely because of the tax benefits. You should always hire based on whether that person is right for the job and keep in mind how this hire could materially impact your relationship with that person and others in your family. Finally, as I mentioned, make sure you have a tax professional on your team when making these determinations. As you can see, things can get a little tricky!
*All details were sourced from IRS.gov and blockadvisors.com