A focal bead that fits snugly on the ribbon is a good start. Put it on the ribbon and center. This is the hard part! You might need to use a wire to push the cord through, and it might even help to put one of the end threads through the hole at a time.
Then you'll need a couple of beads with a little larger holes for the end of the cords. These were built on a 4 mm mandrel and fit just right.
Put other end of the cord through each of those beads going in the opposite direction form the first cord. You now have an enclosed loop.
Tie end of each thread end and cauterize with lighter.
To wear- wrap around wrist four times, pull tight (you may need to use your teeth for this!), then pull small beads to the ends of the ribbon. For me the small beads end up at the bottom of my wrist- this will, of course depend on your wrist size and how you like your bracelet to lie. Finito!