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I can dream again and that requires a plan

Girlfriday17

Shiny_Rock
Joined
Jul 1, 2018
Messages
256
This may be long and hopefully posted to the right spot. I'm along time absorber of information on this site and very much appreciate everyone here who offers not only enthusiasm for the subject matter but also knowledge. This group will get to know quite a bit about me probably from this post. In the past I have only really just commented or liked the occasional post.

DH and I celebrated our 20th wedding Anniversary last September. The goal was to have my dream ring, 2 ct solitaire in a six prong setting for that occasion. It didn't happen. We decided that it would be more responsible to payoff the car loan. Looking back it was a very good decision as during this pandemic, not having that payment made dealing with income loss much easier. Things are starting to get back to his regular pay (he works on commission and piece work), so now we can save. We had filed our taxes early as we do every year and a had a substantial return that we banked, along with not being able to take the trips we planned, we managed to keep to a budget and not even touch the return and the vacation money. So now I can start planning again. I didn't even have the heart to dream about trips or jewelry for a while because I got into a bit of a funk regarding the future. I'm very fortunate that I have a husband who doesn't judge my love of certain things and I try and support him in what he wants (he has a classic car he's rebuilding) but I want to still not spend on things that I won't get a lot of value from.

BUT now! I have over half the budget saved and with things progressing, come March it will be a reality (next tax season), if not a bit sooner. I take a long time to weigh decisions, so I can make sure I'm happy for the longer term. It took me many years to decide on the setting and DH's input made the decision for a RB easier (my first ring was a solitaire set in a simple Edwardian carved setting, 4 prong ..55 RB I I1. white gold) and although he is cool with the upgrade his sentimentality extends to at least having the same shape, and we both love the sparkle. I still have the stone that I got set into a bezel set necklace, last year for waiting on the ring, also in white gold, and I still wear the original wedding band it had been soldered to, from time to time). I have a beautiful 15 point eternity band in platinum that I wear most of time that was for our 15th wedding anniversary.

In addition to the eternity band which lately has been a bit tight, I have two thin pave bands in white gold, which I stack sometimes with a intricate wider white gold band and my original wedding band. So I like white metals. I have earrings in YG and a few rose gold pieces but they are mostly earrings and I still mix and match with my white gold, silver and platinum pieces.

It took me a long time to decide, thanks to the trials and tribulations of many other pricescope members that I want an ACA and the Vatché U113 in platinum. I like the classic nature and the ability to be able to change up the rings with it, as I can do a dainty or substantial look. The budget will allow (with the current CAD to US exchange rate and taxes), an ACA, 2 carats (cut and size being my most important), VS2 or SI1, I will be trusting Whiteflash for eye clean, and I will have to go with an I colour. I was never bothered by the I colour before but it was a smaller diamond but I'm hoping the platinum setting along with the ACA will make it not appear yellow. Judging from this site so many of the ACA's here with an I colour are amazing.

Up until now I was always planning to wear my eternity band with the solitaire but with its size I'm wondering will it be too much? I tried a on a bit over 2 carat stone at Tiffany's (a few times actually) and I think it looks fabulous but it is very over the top and would more of a special occasion look rather than everyday, plus it might be a good way to keep diamond shrinkage from setting in quickly to be able to switch things out. But I'm also concerned with prong rub. So do I make sure I get the solitaire in a slightly bigger size so I can make sure I wear them together (my eternity band is a size 5 and usually I can get it on and off no problem, even in the summer. My diet lately I think has been affecting it being tight as I've been eating poorly (salt) and too much.

And mix it up using the really thin pave bands (1.5 mm each) in white gold with the platinum?

I love sapphires and just discovered the Danielle Jazz bezel in platinum to go with it (and wear that as an every day look, but is it too thin and are the bezels too modern for such a traditional setting on the solitaire? From some of the pics I've seen I like the combo but most of the solitaires have been smaller or stacked with more bands. I could alway stack one of the pave bands between to fill it out?

I like the flexibility of being able to switch things around but now I'm panicking as the eternity band was expensive and its over 5 years old and I don't want to never wear it. Wearing on the opposite hand isn't possible as it won't fit on the other hand.

So any input would be appreciated. I need the food for thought. I can provide pictures if required. I know I could forego the ACA and a local jeweller says a triple rated GIA is just as good, and save some money to get another eternity ring that is a bit smaller and in platinum (I was thinking one with 4 pointers), but some things I think are just worth it and I think the ACA is. It will be a long while before I'll be able to get more jewelry so I want to made sure I'm making some good choices. And I already have the Tiffany Victoria earrings on my wish list.......
 
A few things from your post. First of all good things are worth the wait. So even though life got in the way you did the right thing and now hopefully in the future you will get to enjoy what you and your HD have worked hard for.
Do you have an inspiration photos or anything that inspires your style?

I can tell you my wife wears a 2.7 ct pear in a cathedral setting with a 4ct round eternity band 7 days a week. It really isn't too much at all. You will totally get used to wearing both. Have not had any adverse issues with rubbing. My mother does the same thing for over 30 years and no issues as well.

I am personally not a fan of mixing white gold with platinum if wearing everyday because they wear differently. Platinum tends to get small dings in it and turn more of an antique look whereas white gold only has to be re-dipped and remains shiny. But everyone has their opinions.

This is off topic and I do not mean to intrude or give any financial advice (I know this is a diamond forum) and this is coming from a helpful place.... I see you mentioned a few times about waiting for a large tax refund check. Nobody should ever be getting a large tax refund check. All that means is that you are severely overpaying your taxes throughout the year and you are just getting back your own money you could have had all along. You are better off adjusting your withholding and taking the extra money and making safe investments. The IRS is giving you zero interest on that overpaid money throughout the year which means you let them hold your money for free. You could turn that money into more throughout the year and have an even bigger jewelry budget :)
 
Kudos to you for paying off a big bill and waiting for your new ring. Good things are worth the wait and not having that big bill has probably
been a real gift!

I would definitely go bigger than a size 5 if the eternity is tight on you. You could/should go get your finger measured when (or wear) possible.

Sounds like you have quite the assortment of nice bands/eternity to wear with your new solitaire. I think you'll have fun mixing and matching.

I have an ACA and I certainly think it was worth the wait. I got it for my 20th anniversary also. Its a 1.14 J/SI 1 and I love it. I got it for a right hand
ring but sometimes I wear it on my left hand as well.

Keep us posted when you get closer. Always happy to offer opinions!
 
If you heart is set on an ACA don’t buy anything else.
Many of us can tell you of the time (s) we compromised our “dream ring” and never loved the compromise and ended up spending /losing much more money to get to where we always wanted to be!
While others adore Platinum, I’m personally not a fan, I don’t like the greyish colour it goes and it does seem to get little dings quite easily. I prefer the bright shiny white of rhodium plating over 18ct white gold. True, it needs a regular re dip but that’s fine by me, I do it yearly, about $80.
Go for what you love, what your heart wants.
As for mixing or matching metals, bands and rings, there are no rules. You wear what and how you like.
How exciting and what a wonderful ring to be looking forward to.
 
A few things from your post. First of all good things are worth the wait. So even though life got in the way you did the right thing and now hopefully in the future you will get to enjoy what you and your HD have worked hard for.
Do you have an inspiration photos or anything that inspires your style?

I can tell you my wife wears a 2.7 ct pear in a cathedral setting with a 4ct round eternity band 7 days a week. It really isn't too much at all. You will totally get used to wearing both. Have not had any adverse issues with rubbing. My mother does the same thing for over 30 years and no issues as well.

I am personally not a fan of mixing white gold with platinum if wearing everyday because they wear differently. Platinum tends to get small dings in it and turn more of an antique look whereas white gold only has to be re-dipped and remains shiny. But everyone has their opinions.

This is off topic and I do not mean to intrude or give any financial advice (I know this is a diamond forum) and this is coming from a helpful place.... I see you mentioned a few times about waiting for a large tax refund check. Nobody should ever be getting a large tax refund check. All that means is that you are severely overpaying your taxes throughout the year and you are just getting back your own money you could have had all along. You are better off adjusting your withholding and taking the extra money and making safe investments. The IRS is giving you zero interest on that overpaid money throughout the year which means you let them hold your money for free. You could turn that money into more throughout the year and have an even bigger jewelry budget :)

I appreciate what you are saying about the tax refund but I’m in Canada and CRA only allows for certain conditions to be met to change the taxes they deduct from a paycheque. We have already adjusted for those but because we are saving in our RSP (like a 401K) and have some work, medical and charitable deductions all of which are tax credits and my husbands fluctuating income it usually ends up we get a return. I will however revisit it because you are righ, why should they be using our money for free.
 
I appreciate what you are saying about the tax refund but I’m in Canada and CRA only allows for certain conditions to be met to change the taxes they deduct from a paycheque. We have already adjusted for those but because we are saving in our RSP (like a 401K) and have some work, medical and charitable deductions all of which are tax credits and my husbands fluctuating income it usually ends up we get a return. I will however revisit it because you are righ, why should they be using our money for free.

Ahhh! I am so sorry I missed that you were in Canada my apologies. But yes, nobody should have your money for free! I wish you good luck in desinging your well deserved jewelry :)
 
Kudos to you for paying off a big bill and waiting for your new ring. Good things are worth the wait and not having that big bill has probably
been a real gift!

I would definitely go bigger than a size 5 if the eternity is tight on you. You could/should go get your finger measured when (or wear) possible.

Sounds like you have quite the assortment of nice bands/eternity to wear with your new solitaire. I think you'll have fun mixing and matching.

I have an ACA and I certainly think it was worth the wait. I got it for my 20th anniversary also. Its a 1.14 J/SI 1 and I love it. I got it for a right hand
ring but sometimes I wear it on my left hand as well.

Keep us posted when you get closer. Always happy to offer opinions!

Thank you so much for your encouragement and advice. I took a peek at your ring and it’s amazing. That stone just sparkles.
 
Fun planning stages! You may have seen my thread in your research, but I will include it here. I don’t have the Tiffany Jazz, but I have something similar, and I stack it all kinds of different ways with my two solitaires.

My first batch of pictures here shows the sapphire/diamond band in several shots:

1
DD104875-250D-4D1A-A797-C341B193D41B.jpeg


bands switched from the initial batch of pics in the post— I think this band would look fabulous with a 2 carat stone!
F60A23D6-BADB-46C5-BFB6-FB042C70216A.jpeg
 
Fun planning stages! You may have seen my thread in your research, but I will include it here. I don’t have the Tiffany Jazz, but I have something similar, and I stack it all kinds of different ways with my two solitaires.

My first batch of pictures here shows the sapphire/diamond band in several shots:

1
DD104875-250D-4D1A-A797-C341B193D41B.jpeg


bands switched from the initial batch of pics in the post— I think this band would look fabulous with a 2 carat stone!
F60A23D6-BADB-46C5-BFB6-FB042C70216A.jpeg

Oh I love it. That little bit of blue is so nice and the bezel does add a bit of modernity to a classic piece.
 
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