sure sure coming from you. you're the reason why grace has a set of stones now. you told me about bluenile.com

 

does samchoon wanna buy me some diamonds too? h: :exnbp:

 

Has anyone actually purchase from that site before? How are the prices? How do they compare to actual jewelers (not mall jewelers, real ones)?

 

yep.. the ring was appraised for about $2000 more than i paid

 

I'll throw in my 2 cents on the subject. The ring I got my wife when we got engaged was less than 2k. She didn't want anything very large or expensive because in case anything happened to it, she said she'd feel really bad.

Now, throw that into the mix of the rest of the engagement process. We paid for our wedding ourselves, almost 40k, and bought our townhouse 4 months before the wedding with 20% down and bay area prices. Needless to say the "ring money" was needed in other places.

Truth is is she really loves you she won't be sweating you about a ring that's out of your means. I may have not gotten her the biggest rock, but I've been able to take care of everything else :thumbup:

 

Simple solution........INSURANCE. Schedule it on your homeowners insurance and the problem is solved. You better believe that immediately after I walked out of the store, I had that ring insured in case something happened - that is just to much money to spend and not take the proper precautions. For example, I just renewed our homeowners insurance and it costs +/- $75 a year to "schedule" my wifes rings (engagement and wedding) - value of about $7,500 ish. IMHO that is a small price to pay to know that you don't have to think twice about the ring ever again.

 

True, but when I bought the ring, I didn't have homeowners insurance since I didn't have a home and at the time was to stupid to have renter's insurance. All our property, jewelry, electronics, etc. is now covered. Hindsight is 20/20 and I'm a bit wiser than i was back then.

My main point was that if you're starting a life together, there are other considerations to take into account. A ring is a single, high value item with no functional value. It looks great and all, but when you're hungry you can't eat it and it may be a bit too small to live in.

 

:lmao:

 

I didn't mean for my post to sound condescending, I was just reminding people that it is better to take out insurance and not need it, than need it and wish you had taken it out. You are right, hindsight is always 20/20 and we all get wiser by the day - that is why I was just reminding the "youngins" to get it covered on their homeowners, or renters insurance. (Renters insurance is really cheap to get).

I also completely agree with you that an engagement/wedding ring has no functional value - and it should be purchased within your means (whatever that is....). I just cannot understand people who finance rings over long periods of time. IMHO if you can't pay for the ring right away (or quickly), you are probably looking at something to expensive, especially if you are planning a wedding (which is crazy expensive). If you don't just have the money laying around (and need to make payments), your money can definitely be spent better elsewhere (i.e. wedding, honeymoon, down payment on a house, savings, etc.).

 

I think we're both in agreement on this one