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5 Reasons Why Gold Bars And Gold Coins Are Ideal Gifting Options

There are many people, occasions and events in our lives when we want to gift something precious. And the first choice that comes to mind at such times is jewelry especially gold jewelry. But unless you know the person really well, and are completely aware of their likes and dislikes, their tastes and preferences in jewelry, there is a possibility of your choice disappointing the recipient.

My cousin's daughter got married in the US last year. I attended the wedding, as she was my cousin's only child, and my family needed to be represented. I knew my cousin's taste in jewelry, but I had no idea what would appeal to this once-removed niece of mine! I gifted her a gold bar. And she recently sent me a picture of a pair of bangles she had converted it into!

So why take a chance? It's best to buy gold bars and gift it to them. Or, if you're looking for something lighter and smaller, you can buy gold coins.

Here are 5 reasons why gold bars and gold coins are ideal gifts…

Consumer Alert: 5 Reasons Why Gold Bars And Gold Coins Are Ideal Gifting Options

1. No risk of wrong choice.

The first reason, and perhaps a very important one, is what I've already mentioned earlier. You don't have to lose sleep over whether the person you are so lovingly buying the gift for will like it. By gifting a gold bar or gold coin, you give your loved one the freedom to choose the jewelry they want to be made. They might even decide to just keep it aside for a time when they may need to convert it into liquid cash. Gold bars ARE considered good investment options!!

2. No "use-by" date.

Some may argue that a gift card also satisfies the 'no risk of wrong choice' reason. I disagree. They are not quite the same. Gift cards have a use-by date. I am aware of instances where gift cards have been forgotten or misplaced, only to resurface one fine day long after the expiration date! I've also found that gold coins and gold bars are put away more safely than gift cards. Somehow, they are more valued. So, for a well looked-after gift that has no expiry or use-by date, what better choice than gold bars and gold coins?

3. Choice of several denominations.

You can get these coins and gifts in several denominations/weights. This makes it easy to select a gold bar or gold coin to suit your budget and pocket. From a modest 1gm coin to the heavy London Good Delivery 12.5 kg bar, you are spoilt for choice!!

4. Choice of embossments to suit individual and event/occasion.

Ah! This is an area you might have to give some thought to. There are so many embossments available to suit religion, occasion, preference… Goddess Lakshmi, Goddess Saraswathi, Lord Ganesha, Krishna with Radha, Baby Krishna, Mecca, The Holy Cross, Queen Victoria… the list can go on. There's a gold coin or bar to suit every occasion. New home, birthday, puja, festival, engagement, wedding, new business, arrival of a baby – just choose an appropriate coin or bar, and you are set and sorted.

5. Ease of obtaining.

It is very easy to buy gold bars or coins. They are available in most jewellery outlets. You can even get them online. With more and more people opting for buying gold jewellery online, getting gold bars and coins online is a convenient option.

Take Vaibhav Jewellers. Their coins and bars are MMTC-PAMP certified. So quality is assured, and so is resale. With their 25 years of legacy and expertise, they would be your go-to destination for gold coin or bar needs. They have 12 brick-and-mortar stores across Andhra and Telangana, and a very user-friendly website if you'd rather buy temple jewellery. Their services and policies are completely customer-oriented. You'd be delighted with your buying experience.

And just take a look at what else they offer…

> Lifetime exchange.

> Free 15 day return policy.

> State of art Live Video Shopping.

> Free transit insurance on International Shipments.

> Free Domestic shipping.

> Customization services.

> EMI Facility.

> Smart Buy options.



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Tue, 20 Jan 2026 02:07:06 +0000

Advocates say current rules are outdated and unrealistic

By James R. Hood of ConsumerAffairs
January 20, 2026

  • The U.S. Department of Education will delay plans to seize tax refunds and garnish wages from struggling student loan borrowers

  • Consumer advocates say current collection rules are outdated and risk pushing families and seniors into poverty

  • The pause renews calls for reforms to reflect todays cost of living


The U.S. Department of Education has announcedthat it will delay plans to resume aggressive debt collection against student loan borrowers who have fallen behind on their payments, including seizing tax refunds and garnishing wages.

The move offers temporary relief to millions of borrowers still struggling with rising living costs after years of pandemic-era payment pauses and policy changes.

Todays announcement throws a lifeline to working and middle class families who are buckling under the weight of outdated student loan policies that dont reflect todays high cost of living and affordability crisis, said Abby Shafroth, managing director of advocacy at the National Consumer Law Center.

Advocates warn collection rules are decades out of date

Consumer advocates say the departments existing collection policies were set decades ago and have not kept pace with inflation or housing, food, and health care costs.

Under current rules, the Department of Education protects only the first $217.50 per week in wages from garnishment a threshold set in 2009. According to advocates, the buying power of that amount has fallen by more than 30% since then and now sits well below the federal poverty line.

Similarly, the department protects just $750 per month in Social Security benefits from seizure, a figure established in 1996. Today, that amount is less than 60% of the poverty line, putting older borrowers at particular risk.

Without changes, advocates warn that restarting collections largely paused since 2020 could push working families and retirees into poverty.

Calls grow for broader reforms before collections resume

Shafroth said the delay should be followed by structural changes to how the federal government collects student loan debt.

The Department of Educations current collection policies are outdated and can trap people already struggling to keep up with rising costs deeper in debt and even push them into poverty, she said. Thats the opposite of what our financial aid policies are supposed to do.

Consumer advocates are urging the administration to increase the amount of income protected for basic living expenses, shield anti-poverty benefits such as Social Security and the Earned Income Tax Credit from seizure, and cap collections at the amount borrowers are actually behind on payments.

They are also calling for simpler pathways for borrowers who fall behind to enroll in repayment plans or other options that help them manage their loans successfully.

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Consumer News: California orders xAI's Grok to halt alleged deepfake abuse
Tue, 20 Jan 2026 02:07:06 +0000

Deepfake sexual images and child sexual abuse material alleged

By Truman Lewis of ConsumerAffairs
January 20, 2026

  • California Attorney General Rob Bonta has sent xAI a cease and desist letter over alleged creation and distribution of deepfake sexual images

  • The letter targets nonconsensual intimate images and child sexual abuse material tied to xAIs Grok AI model

  • The state is demanding immediate action and a response from xAI within five days


California Attorney General Rob Bonta has ordered Elon Muskfounded artificial intelligence company xAI to immediately stop the creation and distribution of deepfake sexual images, including child sexual abuse material, warning that the practices may violate multiple California criminal and civil laws.

The cease and desist letter follows an investigation announced earlier this week into reports that Grok, xAIs AI image-generation model, has been used to create nonconsensual, sexually explicit images of women and children that are being circulated widely online, including on the social media platform X.

The avalanche of reports detailing this material at times depicting women and children engaged in sexual activity is shocking and, as my office has determined, potentially illegal, Bonta said in a statement.

State alleges widespread nonconsensual image creation

According to the California Department of Justice, Grok users have been taking publicly available images of women and children and using the tool to generate sexually explicit or suggestive images without the subjects consent. Some reports describe the images as undressing individuals or placing them into fabricated sexual scenarios.

Bontas office alleges that xAIs technology is facilitating large-scale harassment, particularly of women and girls, through the mass production of these images.

The letter specifically demands that xAI stop creating, disclosing, or publishing any digitized sexually explicit material depicting individuals who did not consent or who were minors at the time the material was created.

It also orders the company to cease aiding or facilitating the creation or distribution of any image including AI-generated or digitally altered content that depicts or appears to depict a person under 18 engaging in sexual conduct.

Spicy mode cited as contributing factor

In the background section of the letter, the attorney generals office points to Groks image-generation features, including what xAI has publicly referred to as a spicy mode, which allows users to generate explicit content.

State officials say the feature has been promoted as a marketing tool and has contributed to the proliferation of nonconsensual sexual imagery.

Grok-generated images have reportedly been used to target both public figures and private individuals. Most concerning, officials say, are reports that the tool has been used to alter images of children to depict them in sexualized contexts, including photorealistic images of minors engaged in sexual activity.

According to one analysis cited by the state, more than half of the roughly 20,000 images generated by xAI between Christmas and New Years depicted people in minimal clothing, with some images appearing to involve children.

Possible violations of California law

Bontas letter states that the alleged conduct may violate several California laws, including statutes governing child sexual abuse material, nonconsensual intimate imagery, and unfair business practices.

The attorney general is demanding that xAI confirm within five days what steps it is taking to address the issues outlined in the letter.

The creation of this material is illegal, Bonta said. California has zero tolerance for child sexual abuse material.

xAI has not publicly responded to the cease and desist letter as of publication.


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