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Buyer’s Guide For Engagement Rings & Diamonds
Based upon the many questions we receive about diamonds and engagement rings, we thought it was important to create a buyer’s guide for engagement rings & diamonds. Since many of people shopping for engagement rings and diamonds are first time shoppers, they are going to have questions that need to be answered. We take diamond education very seriously here at Secret Diamond and so should you. We understand that not everyone out there is a diamond expert and shopping for a diamond can be very confusing the first time you do it. Quite frankly, shopping for engagement rings can be pretty confusing too, especially if you are not familiar with all of the engagement ring terms like "Solitaire" or "Filigree" or "Milgrain". Many people that are in the market to purchase an engagement ring or even diamond stud earrings, have never owned a diamond in their life. And even if you consider yourself a pretty knowledgeable person when it comes to diamonds, reading our "Buyer’s Guide For Engagement Ring & Diamond Shoppers" may help you brush up a bit. Although this guide can’t possibly teach you everything you need to know about diamonds and engagement rings, it will be a very good start on the basics. It will include enough information so that you can start to shop with confidence knowing that you understand what makes a diamond desirable and what is truly a good deal on a quality diamond engagement ring. Come with us as we explore the world of diamonds and help you search for the "Perfect Engagement Ring" for your bride-to-be.
The Diamonds & Engagement Rings Budget Decision
Without a doubt, the first step in purchasing diamonds or engagement rings is to determine how much you are planning to spend. How much you can spend and how much you are going to spend may be 2 different amounts. Although many grooms would like to buy their new bride the biggest, nicest engagement ring that money can buy, the reality is that you may have to settle for something less. Good quality diamonds with a larger carat weight can get rather expensive. (And don’t forget to add the cost of the engagement ring setting) Try not to spend more than you can comfortably afford without going in to much debt if you can help it. Although you could certainly consider taking out an engagement ring loan, starting off a new marriage with the extra added stress of living in debt is not necessarily the best idea. Believe it or not, many couples decide to spend less on their diamond engagement ring than they actually can afford. They may be opting to allocate the money saved on something else, like their new home together or a much needed new car. Or perhaps they have decided to spend more money on the honeymoon or the wedding. Investing the money saved or putting it in the bank for a "rainy day", may not be a bad idea either. Whatever the case may be, deciding on your diamonds and engagement ring budget is the first decision you will have to make when getting engaged.
The Engagement Ring Setting
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In most cases, the price of the diamond in your diamond engagement ring is going to account for the majority of the cost, with some exceptions. A Diamond engagement ring really consists of 2 parts, the center diamond and the engagement ring setting. In most cases there is also a 3rd part, the wedding band. However the wedding band is often purchased at a later date and you may have extra time to save for it. However many styles of engagement rings are available in matching engagement ring sets (matching wedding band included) that you can purchase at the same time. If you can afford to purchase both at the same time, you may ask if there is a price break for doing so. It may also be beneficial to purchase both the engagement ring and the wedding band at the same time to make sure they fit together perfectly. But for now, we will just stick to the diamond engagement ring portion of your purchase. Again, the diamond will often account for the majority of the cost. Exceptions will start to take place if you are purchasing an antique or vintage style engagement ring with a lot of extra carat weight of diamonds in the ring itself. Also, some types of engagement ring styles will have very detailed hand engraving, filigree or milgrain details. The more intricate your engagement ring gets, usually the more expensive it gets. Another potential significant cost to your engagement ring setting is the type of precious metal you choose. 14 Karat Gold Engagement Rings will be the most affordable option, in either white or yellow gold. 18 karat gold engagement rings will usually cost a little bit more. ($200 more per ring at www.SecretDiamond.com) That’s because an engagement ring made from 18k gold will have more gold in the ring. 14k gold engagement rings are approximately 58% gold, and 18k gold rings will be 75% gold. More gold in the ring, increases the cost of the ring. That is also why an engagement ring with a thicker band will cost more. The thicker the band, the more gold that is required to make it. The same principal applies to Platinum engagement ring settings. Platinum is the rarest metal on Earth, therefor it is very expensive. A simple solitaire engagement ring setting made in platinum, can increase the cost of the ring by $300 to $500. And if you are buying a platinum ring with a thicker style band, the cost can go up another $1500 to $2500. I have even seen platinum engagement ring settings cost as much as $10,000 with out a center diamond even included yet. Many times they may also have a significant amount of accent diamonds too, which contributes to the overall cost. That is the #1 reason why many people choose not to buy platinum engagement ring settings. A solitaire engagement ring setting will be your most economical choice. Typically they are not overly thick, and a solitaire engagement ring won’t have any accent diamonds to drive up the cost of the setting. So if you buy a solitaire setting, you will have 3 things that save you money. They are thinner, not intricately designed, and have no accent diamonds to drive up the overall cost. Three things that will all save you money. And please don’t feel that you are settling for anything less if you buy a solitaire engagement ring. They have a very simple form of classical elegance to them that has always been very popular in the past, and will always be very popular in the future. Besides, you will have more money left over to spend on the center diamond itself. You can get a bigger and/or nicer diamond. Many couples decide to purchase a solitaire engagement ring band so they can afford a bigger/nicer diamond, and then buy a fancy engagement ring setting in the future when they can afford it easier.
Next we will discuss the all important diamond purchase. Make sure to come back and read the upcoming section of our guide because buying the best diamond for your money is easy to do once you learn how. We will teach what the most important factors are when selecting your center diamond, and teach you a few tricks on how to save some cash.
What type of certified diamond are you really buying?
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It seems that many people in search of buying a certified diamond are running in to a little bit of confusion. Many of these people believe that they are buying a GIA certified diamond when in fact, they are not. It’s not necessarily that the person selling you the diamond is outright lying to you, it’s just that perhaps he or she is using a little "slight of the hand" so to speak.
Almost everyone buying a diamond is going to perform some amount of research first. Some people are comfortable with doing a small amount of research on just the basics such as the 4C’s of diamonds, and yet many others are very thorough with their research. I have spoken with many of our customers that have literally researched diamonds for months, before they even picked up the phone or stopped by a jewelry store. Thorough research in regards to diamonds is not a bad thing. The vast majority of people buying diamonds know absolutely nothing about them before they set out looking for one. Given the fact that you could easily be on track to spend thousands of dollars on this little gem, I would highly recommend that you learn as much as you can before you buy a diamond. If you think about it for a second; Would you spend $4,000 to $10,000 (Or more) on anything else, and not want to know as much about it as you can?
Wanting to learn about diamonds before you spend that much money is not the problem.
The problem may actually be with who you listen to and what you read on the internet. There is a lot of valuable information on the internet explaining about diamonds. There are also many good diamond sellers that will supply you with even more helpful information, and answer your questions honestly.
But on the flip side of that, there is a lot of really bad information on the internet about diamonds, AND there are some diamond sellers that don’t necessarily have your best interests at heart.
Many of the people that buy engagement rings from us, like to to call us first with their questions. I love when they do that, and I always welcome any question from our customers. This gives me the chance to not only answer their questions honestly and thoroughly, but also to make sure that they have been given accurate information by other diamond companies. I have heard some really strange things that my customers have been told, prior to speaking with me. Everything including stuff about the size of diamonds, the shape of diamonds and the cost of diamond engagement rings.
What I have discovered is that when a customer is told something by another diamond company that is way off-base, it’s often because that particular diamond company wanted to sell the customer a particular diamond. Maybe it’s because the diamond company got a really good deal on a particular diamond (through whatever means) and wants to make a huge profit. They don’t really care what you want, they just want to sell you that particular diamond. So they will tell you everything good about that diamond, and everything bad about the diamond that you want. They will try to make you think that the diamond they have, is the best. (Or best deal)
Anyway, enough of that and back to our point about certified diamonds.
THERE IS A HUGE DISTINCTION ABOUT CERTIFIED DIAMONDS THAT YOU NEED TO LEARN ABOUT.
You need to know the difference between an actual "GIA Certified Diamond" and other diamonds that may come with something like an independent GIA Certificate, or appraisal. Only diamonds that have been certified by the laboratory GIA (Gemological Institute Of America) are actually GIA certified diamonds. GIA is not just a laboratory, GIA is also like a college. They train people to become GIA certified gemologists. Once you have graduated, you become a GIA graduate gemologist. (Now you can even start your own diamond grading laboratory.) Some people refer to them as "Certified GIA Gemologists." That is where the confusion starts, and some diamond companies use that confusion to sell diamonds that are not GIA certified, and lead you to believe that they are. They may tell you that you are buying an "Independent GIA Certified Diamond" (Or something along those lines) Many people hear this and assume that they are buying a GIA certified diamond, and they are not. They are just buying a diamond that has been certified by a certified GIA graduate gemologist. That’s why the diamond seller is careful to use the word "Independent".
Now the reason that you need to know about this distinction is this. GIA certified diamonds (That is diamonds that have actually been certified at the GIA laboratory).
Those GIA certified diamonds will actually cost more than almost every other certified diamond out there. That’s because GIA is respected and known to be the most accurate and strict diamond grading laboratory in the world. If GIA says that you have a VS2 clarity diamond, nobody is going to argue with that. Or if GIA says that you have a "G" color grade diamond, no-one will argue with that. You can be rest assured that your diamond is exactly what it says on the certificate.
Now this is not a slam on all the other diamond grading laboratories in the world, or all the diamonds graded by them. You can actually buy a diamond graded by another laboratory, that is actually nicer than some GIA certified diamonds. For instance: A diamond that is graded by another diamond grading lab as "D" color grade, VVS1 clarity grade and an Ideal cut grade, is probably going to be a lot nicer than a diamond graded by GIA as "J" color grade, SI2 clarity grade and just a Fair cut grade. But the point is that if you compare apples to apples (that is 2 diamonds with exactly the same grades as stated on the certificate) a GIA certified diamond will almost always be nicer and more expensive.
So we are ABSOLUTELY NOT SAYING that you should only buy a GIA certified diamond.
Some of the prettiest diamonds, best diamond deals , even most affordable engagement rings are not GIA certified diamonds. What we are saying is that you should know exactly what type of certified diamond you are buying. If you want to buy a GIA certified diamond, just make sure to ask if the diamond was certified by GIA (The actual Lab), and not an independent GIA certified gemologist. Ask to see the actual GIA certificate supplied with the diamond. Don’t let yourself be a victim of this confusion. It is absolutely fine to buy a diamond that was graded by another laboratory, just make sure you know that it was and that you pay accordingly.
You also need to be aware that "Fracture-Filled" Clarity Enhanced Diamonds are never certified by GIA. Only "laser-drilled" clarity enhanced diamonds can be certified by GIA. I would highly suggest that you read our other post "fracture-filled versus laser-drilled clarity enhanced diamonds".
Diamonds & Engagement Rings Require Maintenance
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Although I am sure you have heard that a diamond can last forever and that they are the hardest known substance on earth, you might be surprised to learn that they are not indestructible. Diamonds & engagement rings require maintenance in order to preserve their beauty and prevent damage from occurring. Surprisingly the person you may trust the most to handle your diamonds properly, may also be the person that is most likely to chip or crack your diamond.
An interesting fact: A diamond can be the most vulnerable to chipping or cracking while it is being set by the jeweler. This happens to be particularly true with Princess Cut Diamonds. The thinnest and most vulnerable part of a Princess Cut Diamond is at the girdle & corners of the diamond.
If the jeweler presses too hard on the prongs while setting the diamond, he or she can chip off a corner of the diamond. You may also be surprised to learn that there is probably more diamonds damaged this way, than by their owners wearing them. If you bring your engagement ring to a jeweler to be worked on, you should always insist on inspecting the diamond and engagement ring under magnification before you accept the repair. Be sure to inspect the diamond at it’s corners and edges, and look at the prongs for possible stress fractures. You may also want to examine micropave diamonds to see if they are loose or crooked.
HELPFUL DIAMOND ENGAGEMENT RING TIP: This method can be used to see if you have a loose diamond. Place your diamond engagement ring up to your ear. Keep your fingers on the metal portion of your engagement ring and off the diamond/diamonds that you are checking. Then tap the engagement ring with your index finger and listen closely for any rattling. It may help to use a fingernail if you can. If you hear any rattling, then you may have a loose diamond.
As unfortunate as it may be, some jewelers have been known to hide minor chips under the prongs, only to be noticed by the diamond’s owner weeks or months later.
If you own a laser inscribed GIA or EGL certified diamond, also make sure to look under magnification for the inscription on the diamond before you accept your diamond to make sure it’s yours. Many people can tell you a horror story or two about how a dishonest jeweler switched their high quality diamond with a diamond of lower quality and less value. Of course there is also the possibility that a jeweler makes an honest mistake and places the wrong diamond back in your engagement ring.
Proper Diamond Jewelry & Engagement Rings Storage
Although I am sure your engagement ring is beautiful and very special to you, there may come a time when you need to take it off. As much as you probably don’t want to take it off, if you are about to do something that could be harmful to your engagement ring, you will need to take it off your finger and place it somewhere for safekeeping. If you just place it on a counter, you probably won’t need to do much except place it on a soft material and make sure you can’t knock it off the counter very easily. (watch out for toilets and sink drains. I am sure you have heard a story or two about someone knocking their ring in to one of them) However if you have a jewelry box that you like to store your ring in along with other jewelry, you will need to wrap it in a soft cloth to prevent damage to your ring and other jewelry. The diamond in your engagement ring can scratch your other jewelry, and if you are also storing other diamond jewelry in the same place, the diamonds can actually damage each other. Just the metal in the jewelry can scratch each other too.
A couple of things to consider: You may want to consider keeping valuable jewelry or jewelry that has sentimental value (especially if you seldom wear it) in a secure place such as a safe deposit box. Burglars or thieves will often look in obvious places like jewelry boxes or drawers first in search of valuable items like jewelry. Jewelry is a very desirable target for theft because it is easy to grab or stuff in a pocket and can be extremely valuable.
Did you know that you should have your diamond engagement ring inspected twice a year? A diamond engagement ring should be examined by a professional jeweler every 6 months, or sooner if necessary. If you purchased your engagement ring online and have to send it back to where you purchased it from, you may not want to do it every 6 months. Just make sure you keep a close eye on it and send it back at least every 9 months, or sooner if needed. Diamond engagement rings should never go longer than 12 months without being examined by a professional jeweler.
Unfortunately like I tell my customers. Your engagement ring will look it’s very best the day you buy it. Engagement rings are worn on the hand and can take a lot of abuse. All of the activities of every day life can have an impact on your engagement rings beauty. Just think about how much stuff you put your hands. Lotion, soap, sweat and dirt are just a few of the mild things your engagement ring will encounter. Then there are the every day activities like carrying in the groceries, handling your car keys, digging through your purse, and a million of other things that can affect your engagement rings appearance and performance. YOUR DIAMOND ENGAGEMENT RING WILL NEED MAINTENANCE, that is a fact and it is absolutely normal. With that said, it doesn’t mean that you should keep your engagement ring on your finger while doing things like gardening, rock climbing, bull riding or ultimate prize fighting. Just using common sense will help protect your diamond engagement ring.
Even though your diamond engagement ring will go through everyday wear and tear, you can keep it looking good for decades to come with proper maintenance. Whenever the customers at Engagement Rings By Secret Diamond send their engagement rings back for any reason, we always put it through a rigorous inspection. We perform all necessary maintenance issues. We also thoroughly clean, polish, tighten prongs, replace micropave diamonds if needed and re-rhodium white gold engagement rings.
Did you know that you can insure your engagement ring even if you don’t own a home? And you don’t have to buy your engagement ring from a jewelry store to get an engagement ring insurance policy either. The traditional method of insuring an engagement ring against accidental loss or theft was to put it on a homeowners insurance policy. However many new couples just starting out may not own a home yet, or they are not aware of any other methods of insuring their engagement ring. Or they may think it’s just too expensive to insure an engagement ring.
The fact is: Engagement Ring Insurance Is Easy & Engagement Ring Insurance Is Affordable. There is a company online that insures engagement rings for a very reasonable fee. Last time we checked, the cost to insure an engagement ring was approximately 1% of the purchase price. So if you purchase an engagement ring for $3,500 from us, you can insure it for just $35 dollars a year! That’s affordable. The company is called Jewelers Mutual and you can find them at www.jewelersmutual.com. Just call them and ask them how much it is to insure your engagement ring. Their prices may vary a little bit, but whatever the cost is, your engagement ring is worth it.
Laser Drilled Or Fracture Filled Clarity Enhanced Diamonds
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Are the companies on the internet selling laser drilled or fracture filled clarity enhanced diamonds?
It seems that there is a company advertising that his diamonds are just "Cleaned up with a laser." This gives the implication that the diamonds he is selling are "laser drilled" and not "fracture filled" clarity enhanced diamonds.
There are 2 types of clarity enhanced diamonds.
#1) The first type is called "Fracture Filled". This is where the diamond has an imperfection referred to as a feather. The word feather is another name for a fracture in the diamond. These diamonds have a small amount of material injected in to the fracture of the diamond. This material has the same optical properties as the diamond itself. This makes the feather "visually" disappear. The key word here being "Visually." You see, the fracture is still in the diamond, you just don’t see it. It makes the diamond look eye-clean. There is nothing wrong with doing this and quite frankly you can save thousands of dollars purchasing a diamond this way and still have a diamond that appears extremely nice to the naked eye.
However the problem is that when you buy this type of diamond, you should be made well aware of it. You should not be tricked into thinking that you are buying a "Laser-Drilled" diamond.
There is a big difference in value of between laser-drilled diamonds and fracture filled diamonds. Laser Drilled diamonds are more valuable and the cost of them will be much closer to that of regular non-enhanced diamonds. There are also some small alterations you have to make in order to keep the "Enhancement Material" from coming out of fracture filled diamonds.
#2) Laser drilled diamonds are a type of diamond that typically will have small mineral spots in them that are still visible to the naked eye. A laser is used to drill a microscopic hole in the diamond and then the diamond is soaked in acid. This will bleach out the dark mineral spots thereby making it a diamond with "enhanced clarity." The reason this is more valuable is because the diamond did not have a visible fracture in it, and the process of laser drilling a diamond is a "permanent fix."
GIA will never grade fracture-filled clarity enhanced diamonds. The reason they will not grade clarity enhanced diamonds is because the process can be reversed. (We will re-enhance it for free though) For example: If they give the diamond a clarity grade of VS2, and 10 years later the enhancement process is reversed, the diamond may then look like an SI2. They don’t want a certificate with their name on it saying that this diamond is a VS2.
GIA will certify laser drilled clarity enhanced diamonds because this enhancement process is permanent. They know that once they give the diamond a clarity grade, it will stay that way forever.
Remember that not all clarity enhanced diamonds are the same. There are Laser-Drilled clarity enhanced diamonds, and there are Fracture-Filled Clarity enhanced diamonds. There is nothing else, and there is nothing in between. These are the only 2 types of clarity enhanced diamonds that can exist in engagement rings today. So if you buy a clarity enhanced diamond, you are buying one or the other. Please don’t be mislead in to thinking that you are buying something magical and getting it for thousands of dollars less.
You need to be very specific when you buy a clarity enhanced diamond. You need the ask a question like: "Is this clarity enhanced diamond fracture filled in any way?" Make sure to ask the question in a manner that can not be misunderstood or misinterpreted.
One more thing you should be aware of. An "independent" GIA appraisal/certificate is not the same thing as a GIA appraisal/certificate.
The key word here is "Independent".
This is a little trick that some sellers of diamonds like to use. Although GIA is a diamond grading laboratory, it is also a school. You can go to GIA and learn how to grade diamonds and then become a GIA certified gemologist. After you have graduated, you can start your own diamond grading lab. You may call yourself an "Independent GIA Certified Gemologist" or "Graduate GIA Gemologist". Because people see the name GIA, they think they are buying a GIA certified diamond and they are not. They are really buying a diamond that has been certified by an independent GIA certified gemologist. THE GEMOLOGIST HAS BEEN CERTIFIED BY GIA……NOT THE DIAMOND.
There is nothing wrong with buying a diamond that has been certified by an independent certified GIA gemologist. But you need to know that you are not buying a GIA certified diamond. THEY ARE NOT THE SAME. YOU NEED TO KNOW THAT. The reason you need to know that is because GIA is the most respected diamond grading lab in the world and a diamond that has been certified by GIA is the most valuable type of diamond you can buy. Because of this reason, you will also pay more for it.
In order for you to be buying a GIA certified diamond, it has to be graded by GIA itself and carry an actual GIA certificate. This is the case for all diamond engagement rings and loose diamonds claiming to have a GIA certified certificate.
Fracture Filled diamonds are a good deal and will cost you thousands of dollars less than any other type of diamond. However don’t let yourself be duped in to thinking you are buying something else.
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