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Because, let’s be honest, only ethical diamonds can really be a girl’s finest good friend. From elliptical gold bracelets to diamond-encrusted ear cuffs, each Spinelli Kilcollin piece is the perfect gift. But if you really can’t decide, you probably can …

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The loan could be repaid over 20 years, and the interest rate is fastened at 1%. Both loans and grants could be mixed for a maximum of $27,500 in help funds. Certain rural home homeowners may even be eligible for …