So.
Let me start off by saying that the major reason I bought my e-ring from Kays was because of the financing they offer. I know that I can pay off the ring over 12 months. And I want to get married to this girl and start a family already, we've been together for the better part of a decade. and she deserves a ring with an excellent cut. I knew a little bit about diamonds going in. I could tell pretty easily that the rock in the ring was better than the others they had to offer.
guy took the rock out of a Kay's setting and put it in another one during an event. So it is a "split-set." The diamond is a "Tolkowsky"Princess cut diamond.
I bought the ring and the setting during some event Kays was having. They took the rock out of another ring and put it in another setting from some "botique"ish dealer that is somehow affiliated with them. The setting is great. USA made. the sidestones are clearly more colorless than the center stone (and I almost wish they weren't).
Here's the (I know, I know, the "worthless") GSI report on the diamond. Still well within the 90-day return policy but she does NOT take the ring off (I proposed to her about 15 min after I had the ring in my hands). Gemex rates everything at "very high."
So the cut is supposidly "ideal" but I've read in several places that this doesn;t really exist. my plan is to go back to Kays with Comps and try to get them to come down on the price more before my first payment kicks in. (I got him to come down 10% off where he started in the first place...)
Comps I find online for the diamond suggest that I overpaid by 50-75%. But I'm not sure if the Comps are really comps. I want to show him a GIA report and say "look, here is a GIA for basically the same diamond for 40% less"
Honestly... I really like the diamond. and I do think it is brilliant. and she loves it.
I just don't want to live with this buyers remorse for the rest of my life.
so... a few questions:
1) will Kays let me return *just* the diamond if I can find a better deal online?
2) Does any online dealer offer financing that I can live with and get? (My credit score isn't great but Kays seemed to give me credit based on what I make instead of my FICO score. Please spare me the lectures about luxury items on credit. I can afford the payments... but I couldn;t afford to wait any longer to "get a ring on it")
3) Is Gemex reliable at all? (again, my eyes tell me it is).
4) Does "Ideal" cut mean anything from GSI? (searches on Kay's website indicate that not all Tolkowskys are "Ideal cut")
5) What are my chances on getting Kays to come down further? When does the loss of the sale/hassle of the return make it worth it for them to make a deal after the fact once I come back armed with some more knowledge??
she loves the ring. so do her friends. but I feel like a bit of a fool. I was kind of impulsive about it.
Let me start off by saying that the major reason I bought my e-ring from Kays was because of the financing they offer. I know that I can pay off the ring over 12 months. And I want to get married to this girl and start a family already, we've been together for the better part of a decade. and she deserves a ring with an excellent cut. I knew a little bit about diamonds going in. I could tell pretty easily that the rock in the ring was better than the others they had to offer.
guy took the rock out of a Kay's setting and put it in another one during an event. So it is a "split-set." The diamond is a "Tolkowsky"Princess cut diamond.
I bought the ring and the setting during some event Kays was having. They took the rock out of another ring and put it in another setting from some "botique"ish dealer that is somehow affiliated with them. The setting is great. USA made. the sidestones are clearly more colorless than the center stone (and I almost wish they weren't).
Here's the (I know, I know, the "worthless") GSI report on the diamond. Still well within the 90-day return policy but she does NOT take the ring off (I proposed to her about 15 min after I had the ring in my hands). Gemex rates everything at "very high."
So the cut is supposidly "ideal" but I've read in several places that this doesn;t really exist. my plan is to go back to Kays with Comps and try to get them to come down on the price more before my first payment kicks in. (I got him to come down 10% off where he started in the first place...)
Comps I find online for the diamond suggest that I overpaid by 50-75%. But I'm not sure if the Comps are really comps. I want to show him a GIA report and say "look, here is a GIA for basically the same diamond for 40% less"
Honestly... I really like the diamond. and I do think it is brilliant. and she loves it.
I just don't want to live with this buyers remorse for the rest of my life.
so... a few questions:
1) will Kays let me return *just* the diamond if I can find a better deal online?
2) Does any online dealer offer financing that I can live with and get? (My credit score isn't great but Kays seemed to give me credit based on what I make instead of my FICO score. Please spare me the lectures about luxury items on credit. I can afford the payments... but I couldn;t afford to wait any longer to "get a ring on it")
3) Is Gemex reliable at all? (again, my eyes tell me it is).
4) Does "Ideal" cut mean anything from GSI? (searches on Kay's website indicate that not all Tolkowskys are "Ideal cut")
5) What are my chances on getting Kays to come down further? When does the loss of the sale/hassle of the return make it worth it for them to make a deal after the fact once I come back armed with some more knowledge??
she loves the ring. so do her friends. but I feel like a bit of a fool. I was kind of impulsive about it.
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