Understanding Jewelry Making Tools and Practices

Diamond Ring Buying Tips To Save You Money On An Engagement Ring

If you want to propose to your significant other and are looking to purchase an engagement ring, then you may be concerned about the high cost of the ring. The average person spends between about $4,000 and $9,000 on an engagement ring. If you do not have thousands to spend, then there are still some ways you can choose a dazzling diamond ring. Keep reading to learn about some diamond ring buying tips that can save you money. Go With A Colored Variety Lower-Grade White Stones Flawless diamond rings are the most sought after and the most expensive. Flawless diamonds are considered colorless and they are graded on the diamond color scale with a D, E, or F. To the naked eye, there is no difference between these diamond grades. A gemologist will typically only be able to tell the difference between the grades based on the amount of light the diamond reflects. If you are set on a flawless diamond, then go with an F colored variety, because it will be cheaper than an E or D graded stone. If you are looking for a diamond that appears mostly colorless, then opt for a G, H, I, or J stone. These diamonds have a very small hint of color. I and J stones will have a bit more of a yellow tone than G and H varieties, but they are often about half as much money as a D graded diamond.  Yellow and Brown Tinted Diamonds If you think that your significant other will enjoy a colored diamond, then look for a ring with a Z graded diamond. These diamonds are white diamonds with a great deal of yellow coloring. The stones may be called light yellow or champagne colored. The diamonds appear a bit lighter than fancy yellow or canary stones, but they are not fancy diamonds. Fancy diamonds are natural and rare colored diamonds that are typically quite a bit more expensive than white diamonds. The exception to this is fancy brown diamonds. The diamonds are less desirable to some people in solitaire engagement rings, and they can be one-half to one-third of the price of a larger white diamond of the same size. If you do think that a brown diamond is a good choice for an engagement ring, then opt for a light-colored one to get the most for your money. You should make sure that the clarity of […]

Two Tips For Buying A Wedding Band For Someone Who Does Construction Work

Although you want to consider the aesthetic aspects of wedding bands to ensure you get something that matches your taste and personality, you also want to make sure the ring can keep up with your lifestyle. If you, or the person you’re purchasing the ring for, work in the construction industry, there are a few special characteristics you should look for in a ring to ensure it will endure rough handling. Here’s what you need to know to select the perfect ring. Select a Sturdy Material Possibly the most important factor in purchasing a wedding band for a construction worker is getting the ring in a material that will withstand the daily knocks and bumps it will be subjected to. While gold is a classic ring material, it’s too soft and malleable for someone who constantly uses his or her hands to perform hard labor. A low-karat gold ring (e.g. 10kt or 14kt) may be sturdy enough. However, since the gold is mixed with such a high percentage of other metals at those levels, you may as well buy a ring in a different material that is much more durable. When it comes to durability, your two best options are titanium and tungsten. These are two of the toughest metals on the planet. However, titanium is the closest to white gold in appearance, so that is a good option if you want something that looks like a traditional wedding band. Both materials can be customized into the design you want. Titanium is very lightweight, while tungsten is fairly dense and heavy. On the other hand, tungsten is extremely scratch-resistant. Diamonds, corundum, and lasers are among the very few things capable of damaging this material, which makes it a very good for someone who works in construction. Be aware, though, that titanium and tungsten rings cannot be resized or remolded easily once they are made. This means you’ll have to buy a new ring if your or your loved one’s finger size changes. While engraving can be done on titanium using traditional methods, the only way to engrave a tungsten ring is to use a laser, which may cost a little more. Choose Decorative Details Wisely Since the ring is at risk of being frequently scraped against things while on the work site, it’s best to avoid rings that have a matte finish. This type of finish tends to show scratches. […]

5 Ways To Afford An Engagement Ring

You’re head over heels in love with your partner and are eager to get married and build a life together. But first, you have to budget and pay for an engagement ring. With the average cost of an engagement ring hovering at around $5000, paying for the ring can require creativity and planning. Here are five specific ways to pay for an engagement ring for you to consider: Apply for Financing from the Jeweler Jewelry stores often offer their own financing programs for people who buy engagement rings, allowing you to purchase the ring now but make payments over time. This can make it much easier to buy the ring you want now, without having to save a large lump sum first. Financing from jewelers often comes with a low introductory interest rate that goes up after a certain amount of time has passed. Read the details and figure out how much you need to pay per month to pay off the ring before the introductory rate is up. This can help you set the right budget and use your credit responsibly. Start a Side Gig If you’d prefer to pay for your ring at once but don’t have enough money set aside, consider starting a part-time job or side business in addition to your regular job. Any extra money you make can go toward the purchase of the engagement ring. Some ideas for side gigs include delivering pizza on the weekends, starting a freelance writing or web design business you work on in the evenings after work, or offering babysitting or pet sitting services in your neighborhood. Since your regular job already covers your life expenses, you may be surprised how fast you can save up a large amount of money from a part-time endeavor. Consider Diamond Alternatives Another great option is to look into more affordable diamond alternatives, which can mean buying a gorgeous ring with a larger stone while spending much less than you would on a diamond. Some diamond alternatives include moissanite (a stone which looks just like a diamond to most eyes), white topaz, or even a colorful gemstone like an emerald or sapphire. If your soon-to-be fiancee loves her birthstone, you may want to look for a ring with that as a center stone and simply use small diamonds as accents. Look into Layaway In addition to financing, many jewelry stores offer layaway programs. […]

2 Tips To Help You Get More From A Pawn Broker For Your Old Gold Jewelry

Selling old gold jewelry that you no longer want to a pawn broker is a great way to get some quick cash. If you’re selling your old jewelry, you’ll, of course, want to get as much as possible for it. Here are two tips to help you get more from a pawn broker for your gold necklaces, earrings and bracelets. Separate Your More Pure Pieces from Your Less Pure Ones The pawn broker will base their offer on the quality of your pieces, which is dependent on the number of karats they have. Gold jewelry is made from gold alloys, and not from pure gold, because gold is too soft of a metal. Mixing it with other metals to create a stronger alloy lets jewelry makers create more durable pieces that won’t scratch and dent as much. The purity of gold alloys is measured in karats. A single karat indicates 1/24 of the alloy is gold. A 12-karat necklace, thus, is half gold (12 / 24 = 0.50), while an 18-karat one is 75 percent gold (18 / 24 = 0.75). According to 4Facets.com, an alloy must be at least 10 karats to be called gold in the U.S., and 14-karat alloys are the most common type used for gold jewelry. You can find out how many karats each piece you’re selling is by checking for a hallmark. Hallmarks are tiny inscriptions that identify the gold content of a piece of gold jewelry. A two-digit hallmark, such as 10, 12, 14 or 18 indicates the number of karats. This system is used in the United States. A three-digit number expresses the gold content as a percentage. For instance, “750” would be 75.0 percent, or the equivalent of 18 karats. This system is used in countries outside the U.S. In order to make sure you get as much as possible for your jewelry that has lots of gold, separate it out from your gold with lower grade alloys. If you organize your gold jewelry into different piles according to the number of karats each piece has, a pawn broker will be able to quickly take into account the purity of each piece. If you don’t bother to separate out the higher quality items, they may lump all the pieces together and consider your best pieces alongside your lower-grade ones. Know the Going Rate for Gold The pawn broker will also take […]

Important Things To Know Before You Use Jewelry For A Collateral Loan

According to the Wall Street Journal, more than 3 out of 5 Americans do not have enough savings to cover unexpected expenses such as vehicle repairs. Many of those people are unable to secure a traditional loan or use credit cards to pay for emergencies due to having poor credit ratings. Fortunately, there are ways to get fast cash, including using collateral such as jewelry. If you are in need of some fast cash to cover an emergency expense, you may be considering using some jewelry as collateral to get a loan. Before you do, here are a few important things to understand about collateral loans using jewelry. Your credit score does not matter and won’t be affected Since you’ll be using collateral, your credit score won’t be checked. Also, repayment of this type of loan, or failure to repay, will not be shown on your credit report. Therefore, even if your credit rating is good enough to get a small bank loan yet you are worried about your inability to repay the loan since you live paycheck-to-paycheck, a collateral loan is a good idea because it won’t affect your credit rating if you do not pay it back. Know the monetary value of your jewelry and how much you want to borrow If you don’t have a good idea of what your jewelry is worth, it’s a good idea to get an appraisal of the jewelry before you take it to a lender. However, this doesn’t mean the lender will give you what the jewelry is worth. Generally, lenders ask their clients how much money they want when they begin the negotiation process. It’s important to not get a loan for more money than you will be able to pay back. Failure to repay the loan based on the terms and conditions of the contract could result in the loss of your jewelry to the lender. Therefore, think about the possibility of another financial emergency arising during the time you will repay the loan and what you would do to continue to pay the loan while still meeting the obligations of the other financial emergency. For example, if you know you are only able to repay $250 within the allotted time frame, do not get a loan for $500 even if the jewelry is worth $1,000. You will need to show a government-issued ID card To use jewelry as […]