Engagement rings financing: A magnificent engagement ring is often used to propose as a sign of love and commitment. But only some have the money to purchase an engagement ring up front; it can be a big financial expenditure. Financing solutions can be used in this situation to stretch out the ring’s expense over time. What if, however, you have poor credit? Can you still get financing for a ring? Beverly Diamonds provide Jewelry financing solutions for customers with various credit scores, including those with terrible credit. The short answer is that you can finance an engagement ring even with low credit. It’s crucial to realize that negative credit may restrict your alternatives and lead to higher interest rates or more stringent payment requirements. Find additional details at finance engagement rings.
Carat or Karat? The term karat has a slightly different meaning. It too came from the carob seed, but became a variant dealing strictly with gold. Its definition states that a karat is “a unit for measuring the fineness of gold, pure gold being 24 karats fine”. Pure gold is extremely soft and when used in jewelry can easily be damaged. Therefore, copper, or another metal alloy is mixed with the gold. 24 karat gold is completely pure, while 18 karat gold will have 18 parts gold and the other six parts will be the other alloy (75% pure). 14 karat gold would be 14 parts gold and 10 parts alloy, and so on. In the United States of America, karat markings are always designated with a “K”, never a “C”. Stamping of gold purity on jewelry items is regulated by law. These distinctions between carat and karat should help to clear up any confusion of the terms. This knowledge is definitely essential when making any significant jewelry purchases.
Many diamonds in stores and online will already have a GIA grading report, which you can ask to see prior to purchasing. Your diamond’s report should also be given to you once you complete your purchase. Do “GIA certified” diamonds cost more? Again, “GIA certified” is really a misnomer for GIA graded diamonds. There’s a false notion that GIA diamonds cost more, often based on comparing diamonds by price tag alone. The price of a diamond, a car or any other item of value is tied to quality. If you can’t be sure of the quality you’re getting, how do you know if you’re paying too much or getting a good deal? That’s why it’s important to compare prices for diamonds that have the same 4Cs quality characteristics and whose qualities have been accurately and objectively graded by the same independent laboratory like GIA. Having a diamond graded by GIA is not expensive. GIA charges as little as $48 for a grading report for a diamond weighing 0.70 ct to 0.99 ct, and as little as $80 for a diamond weighing 1.00 ct to 1.49 ct. (Most jewelers factor grading fees into the price of the diamond.) Considering that couples spent an average of $6,351 on an engagement ring in 2017, the cost of a GIA diamond grading report is a small price to pay for peace of mind.
For couples who seek a high-quality, ethically created engagement ring, the Belle Cushion Diamond Engagement Ring is lovely and reasonable. This ring will make your proposal memorable with its stunning design, affordable price, and certified diamonds. Beverly Diamonds sells this and other engagement rings. You may have heard of the name “moissanite” and attribute it to the dazzling gemstone. But do you know the story behind this jewel? Here is how it all began. Henri Moissan, the 1906 Prize winner in Chemistry, discovered Silicon Carbide (SiC) in a meteor crash site. The uniqueness of this discovery earned the gem the title, “a gemstone born from the stars.” Who wouldn’t want to rock a pendant or necklace with an extra-terrestrial origin? But, sorry to kill the vibes, moissanite forms naturally in several parts of the world, including the terrestrial rocks in Wyoming.
It works similarly to anything else you might want to ring finance-first, you would determine the amount that you would need to pay and apply for that. If your diamond engagement ring financing application is approved, you would use that money to buy the engagement ring. If you choose to use a bank for your loan, the approval process might be a bit longer. It’s easy to finance an engagement ring with the use of a loan.but you have to be very careful in the consideration of your financial setup, and what your personal preferences are. The best advice would be to have a look at all financing options, so that you can make an informed decision.
In the realm of fine jewelry, diamonds have long been revered as symbols of love, beauty, and timeless elegance. For centuries, these precious gemstones, formed deep within the Earth’s crust over millions of years, have captivated hearts and adorned the most exquisite creations. However, a revolutionary shift is underway in the world of luxury jewelry, one that is reshaping the landscape of diamond sourcing and design. Enter the era of lab-grown diamonds – a phenomenon that is not only redefining the traditional notions of luxury but also democratizing access to stunning, sustainable, and ethically sourced diamond jewelry.
What Is Different Between White Sapphire And Moissanite? White sapphires and moissanite are practical and affordable alternatives to diamonds that are becoming increasingly popular in engagement rings and other jewelry. However, they each have their own unique characteristics and qualities when comparing them. So what’s the difference between white sapphire and moissanite? White sapphires and moissanite are known for their colorless appearance, although impurities may lead to slight discoloration. Moissanite surpasses white sapphire and diamond with regard to overall brilliance. In terms of sparkling, moissanite has a refractive index of approximately 2.65-2.69, while diamonds are about 2.42, and white sapphire’s refractive index is lower than both. Moissanite has a higher refractive index and fire than diamonds and white sapphires, creating a unique rainbow “disco-ball” effect. In contrast, white sapphires typically exude a subtle, soft sparkle, making them a good choice for those who prefer an understated look.
While shopping for a moissanite is not unlike shopping for any other gemstone, there are a few things to keep in mind. Unlike diamonds that are graded by independent institutions on cut, color, clarity, and carat, moissanites are reviewed only for cut, color, and clarity. Then, at Brilliant Earth, they’re categorized by their color and rated as Premium or Super Premium. A Premium moissanite is similar to a G-H color diamond, while a Super Premium moissanite is in the D-E-F range. As the technology to create a moissanite is so advanced, there is very little variation in their quality. Lastly, it’s most important to consider if moissanite is the right gemstone for you. To come to a conclusion, think about its difference from diamonds (its fire, scintillation, price, and durability) to determine if it’s your ideal fit.
Beverly Diamonds has the ideal diamond engagement ring for you, whether you’re seeking for a traditional diamond solitaire or a more cutting-edge and distinctive style. We support our items with a lifetime warranty and provide a variety of financing alternatives to make your dream ring a reality. As a timeless representation of devotion and love, diamond engagement rings are offered by Beverly Diamonds in a variety of high-quality styles to fit every taste and price range. You can be confident that you will find the ideal engagement ring for your sweetheart at Beverly Diamonds because to our dedication to quality and first-rate customer service.
What is Moissanite? Henri Moissan discovered synthetic moissanite in 1893. Silicon carbide is its main ingredient. Moissanite is known for its diamond-like look, high refractive index, and brilliance and fire. Moissanite has several characteristics: Moisanite history – Moissanite was first found in an Arizona meteor crater and afterwards in Russia and China. Henri Moissan classified it as a mineral despite its resemblance to diamond. Since then, moissanite has been manufactured and utilized as jewelry gemstone. See more details on https://beverlydiamonds.com/pages/financing_available.
The four Cs of a diamond—cut, color, clarity, and carat weight—must also be considered when selecting a cut. The diamond’s cut determines how sparkly and beautiful it will be. Thus, it is crucial. Another essential element is the diamond’s clarity, which affects the diamond’s value and look. Fourth, carat weight is significant since it establishes the diamond’s size. The diamond with the best 4 Cs combination for your budget should be chosen after considering your budget.
Consider selling your moissanite jewelry to a reputable jeweler or moissanite dealer as a fallback option. They will be able to evaluate your jewelry impartially, and they might even be able to direct you to a possible purchaser. Although while moissanite has a high resale value, it typically falls short of a diamond’s. This is so because moissanite is less well-known and does not have a significant secondary market like diamonds do. Yet, by heeding the admonition above, you could increase the resale value of your moissanite jewelry and ensure you obtain a reasonable amount when selling it.
Tips For Buying Moissanite Rings – If you are considering moissanite for your engagement ring, there are several factors to consider before purchasing a moissanite ring. Colors: Moissanite is available in a range of colors, which can be colorless, mostly transparent, close to colorless, and light yellow. Colorless moissanite typically commands a higher price and exhibits more brilliance than stones with visible color tints. Choose a color grade that best suits your preferences and budget. Cut: Cut quality is vital to moissanite. A well-cut moissanite will exhibit optimal brilliance, fire, and sparkle. The round cut is currently the most popular moissanite cut and maximizes the brilliance and fire of the stone.
We are a family-oriented company that treats everyone as one of its members. Our dedication has led to an increasing number of team members that provide personal support to consumers. We work as a team but most importantly, we see ourselves as one big, happy, and well-functioning family.
Both lab diamonds and moissanite are made in safe lab environments with fair wages. There’s also no destructive mining involved. A gemstone’s durability is measured using the Mohs hardness scale. FYI, diamonds are the hardness substance on earth, rating a 10 on the Mohs hardness scale! Moissanite doesn’t do too badly either, coming in a close second at 9.25 on the scale. This means your moissanite ring will remain clear and unscratched. In fact, the only thing hard enough to scratch it would be a diamond. Where you buy your engagement ring is a very important choice. Most, if not all, online jewelry retailers have a larger selection of engagement ring settings, diamonds, and diamond alternatives. They also have more advanced technological features and are usually much more affordable than store-bought engagement rings.
Lab-grown diamonds exhibit the same refractive index and thermal conductivity as mined diamonds, crucial factors that contribute to a diamond’s ability to sparkle and conduct heat. These attributes are essential for discerning consumers who demand high-quality gems for their jewelry. With lab-grown diamonds, buyers receive all the aesthetic and functional benefits of traditional diamonds, including their timeless appeal and robustness, without any compromise on quality. This alignment of quality with ethical and environmental sustainability makes lab-grown diamonds an increasingly popular choice for consumers seeking both luxury and conscientious consumption.