6 Essential Lessons In Buying Diamonds On A Budget

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If you're planning to pop the question on Valentine's Day, then you're not alone. According to the Diamond Information Center, some 220,000 men (and women) get down on one knee during this romantic holiday each year, marking February 14th as the most popular day for couples to get engaged in the United States.

With each proposal usually shines a diamond ring, and depending on the cut, carat, color and clarity, this particular Valentine surprise could be the most expensive you've orchestrated yet. If you don't know what to look for or how to price out a rock, review these six basic diamond buying tips so you don't blow your entire bank account.

1. Research Pays
Before you begin the buying process, learn about the four Cs: cut, carat, color and clarity. The unnamed fifth C, naturally, is cost. Read The Diamond Buying Guide for details and don't forget to chat with your significant other about personal preferences before making the purchase plunge.

2. Cash Out
Diamonds are forever on your credit card. Don't let a seller talk you into a more-expensive stone by quoting monthly payments. The interest rates will make the total payments seemingly stretch into infinity. Wait until you can afford to pay cash while saving even more money when you buy store gift cards at up to 50 percent off the face value from websites like GiftCardGranny.

3. Never Buy Sight Unseen
Photographs just don't tell the whole story. If you plan on buying a diamond ring off of Craigslist or another website, have a qualified jeweler examine the stone and setting before you hand over your hard-earned money.

4. Size Isn't Everything
The biggest determinant of diamond price and beauty is the cut, not carat weight or size. Examine stones with a variety of cut grades to understand what qualifies as a well-cut and affordable diamond.

5. Get a Report Card
Make sure your rock comes with a diamond-grading report. You'll enjoy more peace of mind if you have an independent professional lab verify the quality.

6. DIY
Purchase a diamond wholesale, then allow your fiancée to select the desired setting. Not only will you save on the overall cost, but you will avoid potential sad scenes since personal style preference plays a major role in the dream engagement ring.

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Andrea Woroch is a consumer and money-saving expert for Kinoli Inc. As a nationally recognized media source, Andrea has been featured among top news outlets such as Good Morning America, NBC's Today, MSNBC, New York Times, Kiplinger Personal Finance, CNNMoney and many more. She is available for in-studio, satellite or skype interviews and to write guest posts or articles.

For all media inquiries, please contact Andrea Woroch at 970-672-6085 or email andrea@kinoliinc.com.

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Cosplay costume: recommendations to generating a range
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I've normally enjoyed Thanksgiving in America, simply because it reminds everybody to become thankful. Just visit any dwelling on Thanksgiving Day and you'll meet people that are thankful -- thankful they have an opportunity, in this good nation, to stuff themselves with food. Yes, quite a few men and women devote the complete day becoming thankful. I wish absolutely everyone around the globe can be just as thankful -- and not just once a year. There are various reasons to become thankful. Here are just a handful of: Be thankful for those who have food on your plate, if you are not consistently hungry, for those who do not lick your lips whenever you spot your neighbor's Chihuahua. Be thankful in case you have an unlimited supply of water, if your plants don't have to be that thirsty, if your youngsters do not have to be that dirty. Be thankful in the event you delight in freedom of speech,Mac cosmetic outlet, should you can write a book portraying the president as a horse's behind, when you don't need to extricate the book from yours. Be thankful for those who have freedom of worship, in case you can attend a church, temple or mosque without having any fear, if nobody stones you if you wear your "Elvis is king" T-shirt. Be thankful if you're smarter than the typical teen, in the event you can locate Oman, Sudan, Kenya and Samoa on a world map, in case you don't consider they are parts of speech, as in: "Oman, I'm Sudan tired! Kenya give me Samoa water?" Be thankful in case you have health insurance or no cost health care, should you can see a physician anytime you wish,Mac make up, if your doctor isn't sitting in front of a internet camera in Bangalore. Be thankful in case you do not face discrimination, if the nation club doesn't reject you because of the color of your skin, if the appealing musician does not reject you due to the color of the teeth. Be thankful for those who have a loving family members, if they accept you the way you are, if they're willing to forget the way you were. Be thankful if you have no critical addictions, for those who can survive an entire week with no smoking, drinking or gambling, should you show no signs of withdrawal, not even when visiting the bank. Be thankful in case you have a decent job, if it comes with many benefits, if the boss touching you isn't 1 of them. Be thankful when you have a roof more than your head, if it's wide sufficient to cover your belongings, if it is lengthy sufficient to cover your toes. Be thankful if you have a means of transportation, when you can take your loved ones anywhere they want,Mac cosmetic store, in the event you from time to time feel like a preacher, saving their soles. Be thankful if you're able to assist other people, in the event you can afford to feed or educate a youngster, when you can do it without a court order. Be thankful if you are a human being, if you are ready for Thanksgiving dinner, if you're sitting in the table, not on it.
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