I recently got engaged to my girlfriend and have been writing a number of articles on purchasing engagement rings. When you go to purchase a ring you will most likely buy the setting and the stone separately. While there are many stones that you can have placed in your ring setting it is likely you will choose a diamond. To help you find the best value here is how to understand the quality of a diamond and what aspects are most important. Diamond quality is measured according to the 4Cs which are Color, Clarity, Cut, and Carat.
If you are looking at rings you have probably discussed marriage with your girlfriend and there are a few things that you need to ask. The first of which is what role will she play in purchasing the ring. The classic mentality is the man going out and purchasing a ring on his own to propose with. However your girl may want to take a greater part which ranges from going with you to stores to giving you pointers on the ring. Whatever the situation may be, make sure to ask her before you begin looking.
AS you try to decide the kinds of things you want to do with your family for recreation, you can look into the many opportunities out of doors. From camping and hiking to boating, there are many opportunities available to the outdoor adventurer that will lead to awesome experiences, and even more awesome memories.
Boating is one of the best of these opportunities, with a boat, you will have the chance to learn many different recreational activities. From merely driving the boat to tubing, water skiing, and knee boarding, boat ownership can open up a whole world of opportunity that can improve life for your entire family and increase the enjoyment you get from a weekend on the lake.
There are six grades or categories that a diamond may fall under. Flawless (FL) means there are no inclusions or blemishes visible under 10x magnification (these diamonds can be very pricey). Internally Flawless (IF) means that there are no inclusions visible under 10x magnification although there may be blemishes. Very, Very Slightly Included (VVS1 and VVS2) means that there are inclusions so slight they are difficult for a skilled grader to see under 10X magnification. Very Slight Included (VS1 and VS2) are observed with effort under 10X magnification, but are minor. Slight Included (Sl1 and Sl2) have inclusions are noticeable under 10x magnification. Finally, Included (I1, I2, I3) have inclusions obvious under 10x magnification.
With your now much smaller list of stores take off work during a weekday (Saturday store hours are limited ironically) and visit each store. Tell the sales rep what you are looking for and have you show her what they have that meets your qualifications. Write down notes about the rings, their prices, and any deals that are offered. Also ask details about the warranty offered on the ring. Check if the warranty offers insurance, if it does not consider including the ring in your home insurance policy. Be aware that the prices listed for rings are usually just the setting and you will need to pay for a stone as well.
Also check into financing options for the ring. If you are planning on taking out a loan this is vital to ask if you have the money consider it anyway. Luxury goods like rings can boost your credit rating. Even though I had the cash I took out a loan that I can pay back interest free over six months to help boost my credit score.
Maintenance and fueling are other costs that you should consider as you think about buying a boat. You will need to ensure that your boat is safe on the water so you can maximize your fun and minimize the danger. By keeping your boat well maintained, you will be able to feel comfortable on the water.
I have listed no prices in each of the 4C's because of variability. Your diamond price will change depending on the grades you select for each of the 4 C's. Determine what is most important to you and make sacrifices accordingly. If you want a beautiful diamond you may end up choosing something small. If size matters remember the diamond may not shine as you hoped. The diamond does represent a large investment so look into insuring the diamond at the jeweler or including it as part of your home insurance, good hunting!
If you are looking at rings you have probably discussed marriage with your girlfriend and there are a few things that you need to ask. The first of which is what role will she play in purchasing the ring. The classic mentality is the man going out and purchasing a ring on his own to propose with. However your girl may want to take a greater part which ranges from going with you to stores to giving you pointers on the ring. Whatever the situation may be, make sure to ask her before you begin looking.
AS you try to decide the kinds of things you want to do with your family for recreation, you can look into the many opportunities out of doors. From camping and hiking to boating, there are many opportunities available to the outdoor adventurer that will lead to awesome experiences, and even more awesome memories.
Boating is one of the best of these opportunities, with a boat, you will have the chance to learn many different recreational activities. From merely driving the boat to tubing, water skiing, and knee boarding, boat ownership can open up a whole world of opportunity that can improve life for your entire family and increase the enjoyment you get from a weekend on the lake.
There are six grades or categories that a diamond may fall under. Flawless (FL) means there are no inclusions or blemishes visible under 10x magnification (these diamonds can be very pricey). Internally Flawless (IF) means that there are no inclusions visible under 10x magnification although there may be blemishes. Very, Very Slightly Included (VVS1 and VVS2) means that there are inclusions so slight they are difficult for a skilled grader to see under 10X magnification. Very Slight Included (VS1 and VS2) are observed with effort under 10X magnification, but are minor. Slight Included (Sl1 and Sl2) have inclusions are noticeable under 10x magnification. Finally, Included (I1, I2, I3) have inclusions obvious under 10x magnification.
With your now much smaller list of stores take off work during a weekday (Saturday store hours are limited ironically) and visit each store. Tell the sales rep what you are looking for and have you show her what they have that meets your qualifications. Write down notes about the rings, their prices, and any deals that are offered. Also ask details about the warranty offered on the ring. Check if the warranty offers insurance, if it does not consider including the ring in your home insurance policy. Be aware that the prices listed for rings are usually just the setting and you will need to pay for a stone as well.
Also check into financing options for the ring. If you are planning on taking out a loan this is vital to ask if you have the money consider it anyway. Luxury goods like rings can boost your credit rating. Even though I had the cash I took out a loan that I can pay back interest free over six months to help boost my credit score.
Maintenance and fueling are other costs that you should consider as you think about buying a boat. You will need to ensure that your boat is safe on the water so you can maximize your fun and minimize the danger. By keeping your boat well maintained, you will be able to feel comfortable on the water.
I have listed no prices in each of the 4C's because of variability. Your diamond price will change depending on the grades you select for each of the 4 C's. Determine what is most important to you and make sacrifices accordingly. If you want a beautiful diamond you may end up choosing something small. If size matters remember the diamond may not shine as you hoped. The diamond does represent a large investment so look into insuring the diamond at the jeweler or including it as part of your home insurance, good hunting!
About the Author:
Neighbors Plus Insurance Services has been owned and locally operated, to ensure that the needs of our community are being met. We work hard to ensure that our clients in Lakewood, Long Beach and Southern California are able to have the most affordable and reliable insurance choices available.
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