This thread is wayyyy to long to read through every page, but I''m assuming you have finally gotten to some sort of resolution about what to get for your future fiancee.
I''m just responding to the initial question: Is Tiffany''s THAT much more expensive? I personally think so. Here''s why:
I just visited the local Tiffany''s store with my girlfriend last night because I wanted to compare the diamond I just purchased with a retail store like Tiffany''s. I spent a hair over $10K for my diamond (1.31carat, G, VS2, X-X-X, HCA- 0.9). I subtracted the price of the platinum wedding band from the Tiffany''s prices for similar diamonds in weight, cut, clarity, color, etc. Retail prices they had listed were at approximately $19K just for the diamond-- and $20K with the band/setting. My girlfriend had also helped me shop for the diamond I purchased, so she was shocked when we saw these prices last night. My girlfriend also is into brand-name stuff, but after I showed her how I was researching diamonds with the HCA ratings and a lot of the info on PS, she actually convinced herself that it wasn''t worth the premium for a brand-name diamond.
Another thing regarding the 12 month interest free loan from Tiffanys-- I learned yesterday that they require 50% down, and also require you to make equal monthly payments at 0% interest for the remainder of the balance. After reading the first 2 pages of this thread, I didn''t think the bank CD account strategy would have worked very well.
Oh, btw...I ended up buying my diamond from a diamond dealer, and not online. I think a lot of Pricescope forum members are really into WF and GOG because of all the other diamond analysis reports they provide online. It really takes the guessing out of whether you are getting a great diamond. My strategy was to go through all of Blue Nile''s diamond inventory (based on my diamond criteria) and use the HCA to weed out bad stones. I also did the same with some B&M stores which gave me the diamond angles and %''s. I narrowed it down to 3 diamonds, and I chose the one that my own girlfriend felt was the *right* one.
Bottom line is that buying a diamond is an emotional decision. Kinda like buying a car: Some people don''t put a price-tag on what they truly want. But why not get more for your money when ultimately all these shiny little rocks come from the same place?
Anyway...good luck with the diamond search...
I''m just responding to the initial question: Is Tiffany''s THAT much more expensive? I personally think so. Here''s why:
I just visited the local Tiffany''s store with my girlfriend last night because I wanted to compare the diamond I just purchased with a retail store like Tiffany''s. I spent a hair over $10K for my diamond (1.31carat, G, VS2, X-X-X, HCA- 0.9). I subtracted the price of the platinum wedding band from the Tiffany''s prices for similar diamonds in weight, cut, clarity, color, etc. Retail prices they had listed were at approximately $19K just for the diamond-- and $20K with the band/setting. My girlfriend had also helped me shop for the diamond I purchased, so she was shocked when we saw these prices last night. My girlfriend also is into brand-name stuff, but after I showed her how I was researching diamonds with the HCA ratings and a lot of the info on PS, she actually convinced herself that it wasn''t worth the premium for a brand-name diamond.
Another thing regarding the 12 month interest free loan from Tiffanys-- I learned yesterday that they require 50% down, and also require you to make equal monthly payments at 0% interest for the remainder of the balance. After reading the first 2 pages of this thread, I didn''t think the bank CD account strategy would have worked very well.
Oh, btw...I ended up buying my diamond from a diamond dealer, and not online. I think a lot of Pricescope forum members are really into WF and GOG because of all the other diamond analysis reports they provide online. It really takes the guessing out of whether you are getting a great diamond. My strategy was to go through all of Blue Nile''s diamond inventory (based on my diamond criteria) and use the HCA to weed out bad stones. I also did the same with some B&M stores which gave me the diamond angles and %''s. I narrowed it down to 3 diamonds, and I chose the one that my own girlfriend felt was the *right* one.
Bottom line is that buying a diamond is an emotional decision. Kinda like buying a car: Some people don''t put a price-tag on what they truly want. But why not get more for your money when ultimately all these shiny little rocks come from the same place?
Anyway...good luck with the diamond search...