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Engagement ring(updated with pic of loose diamond)

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4k is overboard for a ring, you can get a very nice respectable one for much less. Any woman that would allow that kind of cash to be spent is not one i would want
 
RadiclDreamer said:
4k is overboard for a ring, you can get a very nice respectable one for much less. Any woman that would allow that kind of cash to be spent is not one i would want
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For some $4000 isn't much money at all.

When I was making about half what I am now I spent $5000-6000 on our engagement ring a few years ago.

The trick is you don't want to be 'financing' an engagement ring. Either save to buy it or if you have the disposable income on hand buy it that way.
 
alkemyst said:
For some $4000 isn't much money at all.

When I was making about half what I am now I spent $5000-6000 on our engagement ring a few years ago.

The trick is you don't want to be 'financing' an engagement ring. Either save to buy it or if you have the disposable income on hand buy it that way.
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why not? It's a purchase like any other. If the interest you pay is less than what you make on your investments, what's wrong with financing?

I chose a GIA certified diamond because of the name and their stance on no-blood-diamonds. Of course, purchasing any diamond will indirectly encourage blood diamond trade. I chose to ignore that.
 
RadiclDreamer said:
4k is overboard for a ring, you can get a very nice respectable one for much less. Any woman that would allow that kind of cash to be spent is not one i would want
Click to expand...

You shouldn't assume so much. She doesn't require anything significant. However, I'm in the position to spend $5k cash, or more(which I probably won't FWIW). Financing isn't something I'm interested in, at all.
 
Meh, here is what I did.

.90 carat with a wide table (looks like a 1 carat in the setting)
G color
SI1
Radiant cut
Excellent cut and polish

Paid about $1.3K for the stone. Got a nice setting she loves for another $600. Guy gave me a deal on the matching band for $400 after when I called him.

Had it checked as well once I got it to make sure it was all I paid for and was told at Helzberg I got a steal for it considering what retail would have been for it.

You really don't need to be spending over $3K on an engagement ring unless you just like wasting money.

Also you get better prices if you buy during the off season.
 
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HumblePie said:
Meh, here is what I did.

.90 carat with a wide table (looks like a 1 carat in the setting)
G color
SI1
Radiant cut
Excellent cut and polish

Paid about $1.3K for the stone. Got a nice setting she loves for another $600. Guy gave me a deal on the matching band for $400 after when I called him.

Had it checked as well once I got it to make sure it was all I paid for and was told at Helzberg I got a steal for it considering what retail would have been for it.

You really don't need to be spending over $3K on an engagement ring unless you just like wasting money.

Also you get better prices if you buy during the off season.
Click to expand...

shopping to maximize carat is not a smart choice IMHO.
 
jaedaliu said:
why not? It's a purchase like any other. If the interest you pay is less than what you make on your investments, what's wrong with financing?

I chose a GIA certified diamond because of the name and their stance on no-blood-diamonds. Of course, purchasing any diamond will indirectly encourage blood diamond trade. I chose to ignore that.
Click to expand...

GIA is always the choice to go with if possible.

Well, I'd only finance a diamond that I'd be comfortable paying for outright and it's is a problem for a few things,

1) she hasn't said yes, until she has said yes.

2) no marriage is final, until you both say I do.

Going overboard and maxing out a $10,20,30k card just because you can can set the stage for bad things if 1 or 2 happen.

Also there is a decent discount for cash payment of a diamond (certified funds).
 
Update:

Really happy with what I got from the guy. I just got it back yesterday. Proposing this weekend. I've got a buddy with a plane that's going to take us up for a little trip around then fly over my parents land where I have 14 6' letters asking her to marry me. Been cutting wood all week, just got everything done as of last night.

Cell phone pic of ring:

IMG_20141030_155811362.jpg


Me next to a letter:
IMG_20141027_194953824.jpg
 
alkemyst said:
nice rock.

I am sure many think that stone is closer to 1.5+ carats than 1.25 just due to the light factor it puts out. My ex-wife's ring was .77 carat, 1A...people swore it was a carat or more.

Many don't understand as most people won't put down someone's engagement ring, however; when you have people coming up to you and freely complementing it or asking about "what a nice diamond!" it's very different.
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+1 for Alky knowing his stuff here.

Many years ago I spent 4 months research and looked for that perfect rock. Even bought my own loupe for it. It was really interesting to inspect the cut of the rock under magnification once you get into it. For the techie crowd you should know it's all about the math - full reflection of light due to the perfect cut (or close to it). My wife literally get other women that walks across the room just to look and admire her rock because they catch a glitter of it from far away. It appears huge but is not and that's been the difference. Believe me it's been a gift that keeps on giving (wink wink). Some even asked me to help them shop but I told them it's a one time deal just for her as I've forgotten it all by now.
Now for the crowd that says it's not worth buying a nice rock, the next time you go wanting to get that 70in flatscreen 4K tv, your wife can say you should be able to get by with a 720p 40 in. I never get such silly questions.
 
I agree with you. The fire this ring outs puts off is simple amazing. Every woman in the office has gone nuts over it. Can't wait to see how much she loves it. All the stressing and reading/learning was worth it in the end. Knowing there aren't any monthly statements coming is also a fucking joy.
 
TXHokie said:
+1 for Alky knowing his stuff here.

Many years ago I spent 4 months research and looked for that perfect rock. Even bought my own loupe for it. It was really interesting to inspect the cut of the rock under magnification once you get into it. For the techie crowd you should know it's all about the math - full reflection of light due to the perfect cut (or close to it). My wife literally get other women that walks across the room just to look and admire her rock because they catch a glitter of it from far away. It appears huge but is not and that's been the difference. Believe me it's been a gift that keeps on giving (wink wink). Some even asked me to help them shop but I told them it's a one time deal just for her as I've forgotten it all by now.
Now for the crowd that says it's not worth buying a nice rock, the next time you go wanting to get that 70in flatscreen 4K tv, your wife can say you should be able to get by with a 720p 40 in. I never get such silly questions.
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QFT, for everyone that thinks they have an awesome ring, only about 1% are really ideal.
 
Took her up in the plane and she never had a clue until we were right above it and saw the letters. I haven't had time to go through both go pros(one on the wing, the other in the cab with me) but here's a quick shot of what she saw. I should have capitalized the "r" but oh well, she said yes:wub:

http://vimeo.com/110702374

10384195_810586253257_5042448530368751041_n.jpg
 
Badass, congrats DP. That's a really cool idea.

I actually just bought a rock as well and will be proposing next week.
 
alkemyst said:
shopping to maximize carat is not a smart choice IMHO.
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LOL, who was maximizes karat? I was maximizing value. Great looking diamond in the setting and to the naked eye. I looked for one that, while graded as an SI1, was barely there for that grading. If not for a feather under the outside edge it would have been a VS1 at the least for the 1 carbon pip which you need magnification to see. The feather brings down the grading, but since you can't see it easily even with magnification, it's a great deal. Again, the color, cut, clarity, and everything else makes the diamond a good buy, especially since had it been a full 1 carat it would have been a $4000 stone and not the $1.3K I paid.

That is the trick to buying since a 1 carat diamond has a premium price over a .99 carat diamond even if everything else is the same between the two diamonds. Just the way it is.

As to the OP grats on your selection.
 
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