(Closed) "Starter" engagement ring?

posted 7 years ago in Rings
Post # 17
Member
173 posts
Blushing bee

@sweetroses:  Your ring is lovely. The heart in the gallery is a particularly nice detail. Regarding your questions:

1. 9k gold

The karat in gold refers to the portion, by weight, of pure gold in the metal alloy out of 24 parts. 9K means 37.5% pure gold by weight; 10k means 41.7% pure gold. As you can see, not a huge difference. Lower k golds appear more “white” and are harder. The only time I have seen the difference in Ks matter is for people who are allergic to the metals commonly used to alloy gold – mainly nickel and sometimes silver. I believe UK white gold is all required to be nickel-free, so unless you have a silver allergy there is not a ton of difference. Just a make sure if you get a matching band for the ring that it is also 9k gold, otherwise the softer alloy can deform over time.

2. Certified diamond

If you like the sparkle of your stone, I would not worry about the certification. The stone would likely need to be removed from the setting to be certified at this point. IMO, if you like the stone the only reason to have certification is (1) to ensure you are not paying top-quality dollar for bottom-quality stone (too late, your Fiance already bought the ring) and (2) if you ever want to resell or upgrade your stone/ring. Frankly, the resale value of a 0.25ct is going to be relatively low (closer to $100 than $1000) so again, I wouldn’t worry too much about this as the ship has sailed. If you do decide to sell it, you could potentially have it certified at that point.

3. Ring insurance

Typically any insurance for the ring is paid for under a policy separate from the purchase of the ring, such as a rider to your homeowner’s or renter’s insurance. If you have neither, you may be able to add it to your parent’s insurance, or they may have an umbrella policy. For a ring under $500, your deductible may be higher than the replacement cost of the ring, so it may not make sense to insure it.

Post # 19
Member
1836 posts
Buzzing bee
  • Wedding: May 2013

i think it’s fine and i really like the pic of the ring that’s similar to yours

Post # 20
Member
1670 posts
Bumble bee
  • Wedding: October 2013

@sweetroses:  I’d keep it for now, and get something fancy in a few years! You can keep this one and get another one for the upgrade if your SO is agreeable to it. Keep this in mind when you get married, and choose a band that could go with different rings if you want to keep the band the same.

It’s a lovely ring. Congrats!

Post # 22
Member
751 posts
Busy bee
  • Wedding: September 2012

ring styles in the uk are far more simplistic compared to the American styles. I have never seen any of the styles I see Americans have on here in the uk. You Americans are more bold with your  styles and designs

I think it’s a lovely ring 

Post # 23
Member
142 posts
Blushing bee
  • Wedding: August 2014

@sweetroses:  I don’t have any advice for you, but I can share some solidarity! I’m an American living abroad with my European fiance, going through the exact same thing right now. I really adore the ring he bought me, but it just isn’t what I grew up picturing my engagement ring would look like. Now I’m torn between selling it and buying the thing I really wanted (which, with the relative cost of gems in the States, would probably end up breaking even, so it’s not a money issue) and hurting FI’s feelings or sucking it up and wearing the tiny yet lovely ring he chose for me. I hate how shallow I feel, but I’m kind of anxious about going home in April for a bridal shower and showing off my .15 carat cluster ring to my American friends and family, however pretty I may think it is! ๐Ÿ™

Post # 24
Member
751 posts
Busy bee
  • Wedding: September 2012

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@kgba:  

who cares what your peeps back home think? 

Post # 25
Member
142 posts
Blushing bee
  • Wedding: August 2014

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@londonchick:  I keep telling myself the same thing! But I guess when it comes down to it, I do ๐Ÿ™ I think some of my family members questioned my decision to move abroad in the first place, albeit with good intentions, and will take it as confirmation of some kind of “decline” in my circumstances. Obviously I’m happier here, and we live comfortably. But like the OP said, it’s a bit of a culture clash, and I doubt my older aunts and uncles will understand.

Post # 26
Member
751 posts
Busy bee
  • Wedding: September 2012

We’ll, if it helps just tell them that’s how it’s done in Europe! I’m sure they are concerned for your welfare which is natural but the e ring shouldn’t be any indicator of “trouble in paradise”. 

I also think you you will probably hurt your fi’s feelings very much if you purchased an “upgraded” ring so just stick to your guns on accepting the token of love he chose for you

 

Post # 27
Member
2088 posts
Buzzing bee
  • Wedding: October 2014

Earnest Jones is a good jeweller. I got my ring from a compaby owned by the same people (H Samuels). As for the size, mine is 1/3 ct and is not considered small here ๐Ÿ™‚ 

Post # 28
Member
284 posts
Helper bee
  • Wedding: August 2014

@sweetroses:  Earnest Jones are meant to be ‘Diamond specialists’ Here in UK 0.5ct tends to be considered substantial. 0.5 is considered large. Jewllers over here only sell 9K and 18K and 9K wear much better and well as being much more affordable. With gold prices 18K is pretty expensive atm.

My ring came from their sister shop H Samuel and there is no way in the world I would part with it. (Even if I want another ring, I will wear this one as a RHR until it falls to pieces) From my experience, they will offer insurance against accidental damage but you have to pay for it. My first ring lost a stone but we had the accidental damage cover, they replace it with a new ring.

As they are a chain jewellers I wouldn’t try and get a new stone put into the old setting but would go to an independent jewellers and get a bespoke ring designed. For a chain jewellery they are pretty good but they are no where near the quality you could get from an independent jewellers.

We are currently doing that as my ring is a silver alloy that would not be compatable with the wedding band that I desperately want. Fiance was a student when we were first engages and I had just started my first proper job after graduating but even now our budget would not stretch to even a 0.5ct diamond ring, good thing I love gemstones and warmer diamonds. (dream would be champagne diamond)

Post # 29
Member
36 posts
Newbee
  • Wedding: May 2015 - Leicester, UK

My fi surprised me and bought me a 0.1ct 18kt white gold solitaire. he knows NOTHING about rings/diamonds so i’m amazed it’s so beautiful!! I absolutely loved it and the setting is gorgeous, but the diamond was poor quality and I knew i would have wanted a bigger diamond as I am going to wear this forever. So, as I could afford one, i had the centre diamond replaced and paid for it myself. Fi was completely happy with this as i am putting the old diamond into my wedding ring, so the sentimental value of it all is not lost (I am really sentimental and didn’t want to ruin the fact that this was the ring he proposed with vs me not being completely happy with it, whereas he isn’t bothered about the sentimental value, he only bought a ring because that it what you do) He absolutely loves the new ring and doesn’t mind at all that this isn’t exactly the same as the one he proposed with. Its really worth talking to your fi in a way that doesn’t criticise him, I’m totally happy with my ring, and he’s happy to see me happy. i know I sound really ungrateful that i wasn’t happy with the first ring, and i’m not a materialistic person, but it just wasn’t me.

My new stone is 0.3ct D colour and cost £685 including getting it set. It’s definitely average sized for the UK whilst being small for US standards. Here’s my old and new: 

Post # 30
Member
2478 posts
Buzzing bee
  • Wedding: May 2013

Less is usually considered more here in the UK and your engagement ring is by no means sub-standard. Instead, it is a typical, more daintily set diamond of the sort that is worn as a “forever” ring. 

I’d wear it with pride and sure, if you ever get to the stage where an upgrade is affordable and desirable then choose something else. However, we tend to favour eternity rings here too so don’t rule out the idea of a sparkly stack at some point in the future.

As for working and living here I can confirm that our Border Agency are getting every more difficult to deal with. Your Fiance will need a permanent job that pays at least £20,000 a year to ensure that you get a fiance visa. Only after your marriage will you get the right to work here. Oh, and the whole process is very expensive. Having said this, it’s not a breeze getting a green card either. 

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