In the end I decided to take the basic concept learned by reading the ravelry patterns, then do it my way.
I knit 5 lengths of I Cord, each in a different colour. I knit the first cord, then made the other 4 either just a bit longer or a bit shorter. I joined their ends together with a separate length of one of the yarns used in the I Cord. I then passed that same piece of yarn through 4 beads and finished by tying it to a little heart that would act as a stopper and not pass through the beads.
It is not diamonds or rubies. It is not even semi precious. But it adds just the right colour touch to the neckline of my white-white top.