There is much to to think about when buying a diamond – especially a diamond engagement ring! The tradition of presenting a woman with a diamond engagement ring when proposing began in 1477 when Archduke Maximilian presented a diamond ring to Mary of Burgundy – and in most of the cases, the woman you plan to propose to will want a ring to accompany that proposal!
First, determine how you can afford on spending for the ring. Most people use the ‘two months salary’ rule. This means that the ring should cost the equivalent of two months of your current salary. Since you also have other bills to pay, saving up this amount of money may take quite some time. You can also consider financing. Simply go to your favorite jeweler and tell them that you plan to buy an engagement ring, and that financing will be
necessary. Go ahead and get the credit check out of the way, find out what your payments will be, and how much of a down payment is needed.
Now, have your mother, sister, or your girlfriend’s best friend take your girlfriend shopping, and make sure that they gaze at the engagement rings to get an idea of what she might like. Make sure that the jewelry store you purchase the ring from allows you to return the ring, if that’s required, or allow your future wife to exchange it for another one if she is not happy with the ring!
Finally, when everything is settled and your girlfriend loves the ring, there is one last step to take that many people forget about: insuring the ring. This can be a very wise action to take and you would be stunned about the great number of ways in which one could lose the engagement ring. And if this happens, you must be insured. Make sure you know exactly what your engagement ring insurance policy covers and most of all, make sure that you protect your precious diamond ring at all costs!
Getting a diamond ring can be expensive. That’s why you need to get ring insurance. Find out more about how to insure the wedding ring and diamond ring insurance policies.
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