Category: Engagement
Solitaire Settings – A Timeless Classic
When it comes to engagement rings, few styles can rival the timeless elegance of a classic solitaire. A solitaire consists of a single center gemstone, typically secured with prongs, resting atop a solid gold or platinum band. Thanks to Charles Lewis Tiffany, the six-prong, round solitaire may be the perfect choice. But, if she prefers a ring with a little something extra, she can still enjoy the subtlety of a classic diamond solitaire with her own personal twist.
Pick a Colorful Center Stone
One easy way to spice up a solitaire engagement ring is to opt for a colorful center gemstone rather than a traditional colorless diamond. Choose from a selection of vivid colored lab-grown diamonds or precious gemstones to find the one that best fits your future bride.
Both rubies and sapphires are ideal for engagement rings because they’re nearly as hard as diamonds, with a Moh’s Hardness rating of 9 out of 10. This means they’re durable and able to withstand everyday wear and tear without scratching or chipping.
Get Creative with Your Setting
When you envision a solitaire engagement ring, you probably imagine the Tiffany setting we previously mentioned – a six-prong, round diamond ring. Though this style is most popular, there are plenty of other settings known to beautifully enhance a center diamond or colored gemstone.
A bezel setting, for example, frames a center diamond with a thin gold rim. This ensures that the gemstone is safe and secure from the hazards of daily wear. On the other hand, a cathedral setting elevates the center gemstone with thin arches, giving the ring just the right amount of height. When set in this way, a diamond can appear larger than it actually is.
Select a Unique Shape
Who said a solitaire diamond must be round? There are a variety of glittering diamond shapes to choose from that can add a touch of distinctiveness to her ring. Princess and cushion cuts are popular alternatives to the tradition round brilliant diamond. If she prefers something contemporary, pear and oval cuts are two favorites that have been spotted on the hands of fashion-forward celebrities like Victoria Beckham and Blake Lively. Fancy diamond shapes are one of the hottest engagement ring trends of the moment, and one you can expect to see much more of in the coming months.
Choose a Diamond Band
If she loves the look of a solitaire, but you still want to add some extra glam to her ring, you can do so by adding diamond accents to the ring’s band. Diamond accents can help to amplify the sparkle of a center stone without costing you a fortune. Because diamonds are priced by carat, adding small carat diamond accents is often more cost effective than opting for a larger center stone.
Stunning Solitaires in San Diego
If you’re planning the details of a romantic proposal for your sweetheart, visit Leo Hamel Fine Jewelers. Our spacious jewelry store offers a sizable selection of new and vintage engagement rings, from gorgeous solitaires to dazzling cluster rings and everything in between. Searching for an engagement ring with a special touch of character? Our collection of antique and vintage engagement rings is vast and varied, spanning decades of different trends.
Do you have a style in mind, but haven’t quite come across the perfect ring? Let one of our highly skilled jewelers bring your vision to life with a custom-made design that can be tailored to your taste. At Leo Hamel Fine Jewelers, we’re committed to helping you find a ring that she’ll cherish for a lifetime!
Love in Vogue – Engagement Ring Trends Taking the Spotlight
Surprisingly, we find ourselves five months into the New Year. Amidst the distraction of stunning jewelry, we’ve closely observed emerging 2024 engagement ring trends. The past year brought us floral motifs, diamond accents, and rose gold settings. While some trends remain popular, this year introduces a few new styles. Let’s explore what’s hot in 2024-based engagement rings.
Colored Diamond & Gemstone Centers
Over recent years, colored gemstone engagement rings have increased in popularity, a trend continuing today. Favorites comprise sapphires in varied hues, yellow diamonds, and morganite. But the choice of color is entirely up to you! From a distinctively colored center stone to tinted gemstone accents, the color splash on your ring will make a striking impression. It’s crucial, however, to select a durable gemstone that can endure daily wear and retain its elegant shine for a lifetime.
Solitaire Settings
Renowned for their classic style, solitaire engagement ring settings were first introduced by Tiffany & Co. in 1886, accentuating the stone’s beauty and setting a trend. Despite its historical popularity peaking in the 1900s, multi-stone settings took the lead in the 2000s-2010s. However, the 2020s have witnessed a resurgence in solitaire settings’ popularity, particularly with oval cut stones. For an extra touch of sparkle in your solitaire setting, consider bands embedded with diamonds!
Unique Styles
The ever-classic round brilliant cut will perhaps perpetually dominate engagement ring trends. However, a dynamic shift towards unique styles and shapes, particularly pear and oval cuts, is evident. Boasting similar facet patterns and cutting techniques, these shapes add a contemporary spin on the traditional round diamond. The royal engagement and wedding of Prince Harry and Meghan Markle have notably boosted the allure of three-stone rings—these exquisite pieces symbolize a couple’s past, present, and future, imbuing them with an added layer of significance.
Diamond Cluster Rings
For those enchanted by sparkle and glamour, the trend of cluster engagement rings is quite compelling. A magnificently large central diamond nestles amidst a constellation of tinier diamonds, crafting an exquisite and captivating aesthetic. These cluster rings offer a vintage charm, ideal for the bride-to-be favoring a departure from conventional styles. A bonus—these clusters bestow an illusion of larger diamonds on your engagement ring!
At Leo Hamel Fine Jewelers, we spend our days helping couples pick out the perfect ring, so we see engagement ring trends firsthand. Without guidance, you can always stay up to date on trends too! Visit our jewelry store on San Diego Avenue to find your dream engagement ring. Whether it’s currently on trend or not, the goal is to find the ring that you will love for many years to come.
How Vintage Engagement Rings Reflect Your Style
Similar to Shakespeare’s famous quote “What’s in a name?”, you should know what a vintage engagement ring would say about your choice. But first off, let’s be precise what a vintage engagement ring is. A vintage ring is one that was originally created/purchased and worn anywhere from 1 day ago to 99 years ago. Because it was previously worn, it is no longer considered “new,” and so it is considered “vintage.” Jewelry that was created 100 years ago or more is also considered “antique.” And this is what it says.
You’ve Broken the Mold
Many vintage rings were handcrafted and created through a long and slow process which demanded an enviable amount of skill and patience. These vintage rings are unique in their craftsmanship and in their design. You won’t find another one like it. These rings are excellent matches for brides who are fond of the old and who like to show off their originality.
You Are Bold & Intense
One of the periods that vintage engagement rings come from if the Art Deco period (1915/1920-1935). Art Deco is all about gemological shapes, hosts of diamonds and bold designs. Art Deco jewelry is part of a much broader movement which took place around WWI. After the Great War ended, the belief in progress was what kept society moving forward. A new woman emerged – one who smoked, played tennis, drove, and danced all night to the sound of jazz. Corsets were abandoned and there was palpable freedom in artistic and fashionable expression. It’s truly hard to miss an Art Deco vintage engagement ring when you come across one.
You Are Feminine & Charismatic
The Retro period lasted from 1935-1950. Retro rings vibrate with a “larger than life” energy. These rings were inspired by the glamour of Hollywood and the express femininity of Hollywood actresses such as Marily Monroe. They feature fluid lines, asymmetry, sculptural dimensions, and a multitude of diamonds.
You Like Old Values
The 1950s mark the beginning of the Modern period for rings. The most prominent vintage ring detail of that period is the use of clean lines, platinum & diamonds, and textural features. The 60s, however, were an age of family values and family traditions. It was around the sixties that the diamond solitaire (especially with fancy cut center stones) became the classic engagement ring.
And let’s not forget what we have already said. The jewelry-making process in the past decades was much more about craftsmanship and devotion. Today’s market is flooded with mass-produced pieces of uniform design patterns barely distinguishable from one another. This is in stark contrast with how jewelry was made decades ago.
You Are Caring & Thoughtful
Vintage engagement rings are a beautiful choice, but some will come with advice to exercise caution and care during the everyday wear. In truth, any and every ring requires some level of caution or at least careful consideration of the design with respect to the fiancée’s lifestyle. Still, some vintage engagement rings (like some modern rings as well) could have a design which would require a more frequent care routine. This would include vintage engagement rings with pearls as center stones, for example, or those with a lot of filigree.
If you are in the market for a vintage engagement ring in San Diego, make sure you stop by our San Diego Avenue showroom. Here at Leo Hamel Fine Jewelers, you will find a vast and carefully curated selection of the finest quality vintage engagement rings. All have been meticulously restored by our master jewelers to appear like new but have a lower price tag than new. Let us help you make a choice that will make you – and your fiancée – happy!
Which Engagement Rings Are Better For Active Lifestyles?
Most women dream of the day the love of their life pops the question. They envision their beautiful engagement ring shining on their hand and can’t wait to show it off to the world. Most women also lead very active lives and are terrified of losing or damaging their sparkling symbol of love. Constantly removing your engagement ring for fear of losing it actually increases your chances of misplacing it!
So, when shopping for your future fiancé’s dream ring her lifestyle needs to be taken into consideration. You wouldn’t want to buy a ring she’ll rarely be able to wear, right? When purchasing an engagement ring most people are solely focused on the appearance. But when looking for the best engagement ring for active women there are other things that need to be considered as well – durability and comfort. If your future bride-to-be is always on the go, you want to be sure you find a ring that will perfectly fit in with her life. But how do you balance beauty with practicality?
The Bezel Setting
The bezel setting is an active woman’s best friend. Bezel settings offer a ring of protective metal around the girdle of the center stone. This protects the delicate stone from being chipped or damaged. This also helps prevent any potential snagging or scratching, which is a common issue with prong or claw set rings. This setting is great for women who:
- Participate in extreme or contact sports like soccer, softball, basketball, snowboarding, etc.
- Regularly go to the gym and lift weights
- Enjoy hobbies that require constant use of the hands like pottery, woodworking, kitting, etc.
- Constantly use their hands at work (doctors, hair stylists, chefs, etc.)
- Seem to be especially clumsy – always tripping or bumping into tables and walls, etc.
Center Stone Shape
Another factor to consider when looking for the best engagement ring for active women is the shape of the diamond or colored gemstone you choose. Sharp points and corners, like those seen on princess, pear, and marquise cuts, can more easily snag on clothes and hair. They are also more at risk of chipping or breaking when accidentally banged on a hard surface. The ideal cut for an active woman’s engagement ring should have smooth edges. The gentle curves of round or oval cuts are a great way to ensure the center stone of your engagement ring stays looking impeccable and remains unblemished.
Metal Type
Last, but most certainly not least, is the type of metal you choose for an active woman’s engagement ring. There are many different precious metal options, and you should go with the one that best fits her style. However, platinum is recommended for those who lead active lives. Platinum is the most durable precious metal and will be better able to handle hard blows and rough wearing. Platinum is a popular choice due to its hardness (resistance to being scratched), toughness (resistance to being bent), and natural white sheen. It’s also naturally hypo-allergenic, making it even more irresistible!
The best engagement ring for active women is comprised of three main factors: a bezel setting, a round or oval shape, and a platinum band. These factors will ensure a beautiful, comfortable, and secure ring that she’ll be able to show off no matter what she’s doing. You can also find a gorgeous bezel set wedding band to perfectly match her engagement ring!
If you think a bezel set ring is the perfect fit for your future wife, visit Leo Hamel Fine Jewelers on San Diego Avenue. Our vast collection of bezel set rings features everything from classic solitaires to unique, vintage three stone rings. The active woman in your life will be grateful you thought about her love for adventurous activities. She’ll cherish her ring – and you – for a lifetime.
Should You Propose on a Holiday?
‘Tis the season for proposals – engagement season is officially upon us! In the US, the most popular time to get engaged is from November to February. Last year, about 40% of all engagements occurred during the holidays. Historically, we’ve seen spikes in engagement ring purchases as soon as the holiday season rolls around. The reason behind this is quite simple – engagements during the holiday season are very sentimental and idyllic!
First of all, winter is an especially romantic season. The cooler weather, the changing colors of the leaves, the falling snow (if you live where it snows – sorry, San Diego), and all of the bright and beautiful holiday decorations make the perfect backdrop. And of course, we can’t forget about the joy and cheer that comes along with this time of year! Additionally, the holidays are all about spending time with family. And since most couples spend time with their friends and family during the holidays, there seems like no better time to propose than when surrounded by all of your loved ones.
Holiday proposals are very romantic and cause for a grand celebration. Although, before you make this important decision, you have to consider how your significant other feels about a holiday proposal. If they aren’t as enthusiastic about the holidays, maybe it’s best to pick another day that is meaningful to the two of you. But if your special someone is all about spreading the holiday cheer and love, a holiday engagement would be a great way to seal your forever love.
Top 5 Most Popular Proposal Dates
Planning a holiday proposal? We’re looking at the 5 most popular days to get engaged during the holidays. We’ll also touch on the perks and possible downfalls of each day, so you can decide if a holiday proposal is right for you and your special love.
Thanksgiving
Thanksgiving is popular for proposals because it’s one of the few times a year most of your family gathers to be thankful for their lives and those they love. If you and your special someone are super family-oriented, proposing during Thanksgiving is a great idea. It’s very sentimental, and you can even involve members of both families to make it an even bigger surprise.
If you decide to propose on Thanksgiving, make sure your timing is right. Popping the question right after everyone has eaten is probably not the best idea. Everyone will be in a food coma and probably won’t be paying much attention. You’ll also have to watch out for those that have been drinking most of the day.
Thanksgiving is a big day for drinking – you certainly don’t want Cousin Joe ruining your proposal because he had one too many beers. Try to opt for earlier in the evening, maybe when everyone is sharing what they’re thankful for. Mention how grateful you are for your partner and then get down on one knee. There won’t be a dry eye in the entire room.
Christmas Eve
Many families celebrate on Christmas Eve, which makes this day another popular day for proposals. Christmas Eve dinners are a special time for family and loved ones to gather and enjoy the holiday spirit. If this is a time you and your sweetheart cherish every year, proposing is a fantastic idea. If the ring is burning a hole in your pocket, why wait one more day?
Just don’t forget to think about both sides of the family. If you propose on Christmas Eve with your partners’ family present, your family might be slightly offended. Or vice versa. If you’re not able to get everyone together under one roof, pop the question with her family on Christmas Eve. Then, share the celebration with your family on Christmas Day. Just make sure you have plenty of pictures and videos!
Christmas Day
Christmas Day is actually the most popular day to get engaged. Maybe it’s all the love in the air. Maybe it’s because everyone is already in the spirit of giving. Or maybe it’s all the egg nog. Regardless of the reason, Christmas engagements can be very special. Wrap the ring in a larger box so no one will have any idea what’s about to happen. Yours will be the best gift tucked beneath the tree.
It’s important to keep in mind that Christmas isn’t just about the two of you. Your engagement certainly is, but it’s best to be respectful and check with the family to make sure they’re okay with sharing this special holiday with your big moment. You also want to be at least 95% sure your partner is going to say yes. Not to be a Debbie Downer, but it would be incredibly embarrassing to be rejected in front of all your loved ones.
New Year's Eve
Picture this: As soon as the clock strikes midnight, you kiss your beloved and then drop to one knee. In the midst of all the excitement and the bursting fireworks, it feels like you two are the only ones in the room. They say yes and you enjoy the rest of the evening celebrating with friends and basking in your love. How romantic!
If your significant other isn’t much for crowds, this may not be the best idea. If they would rather your engagement be just the two of you, you may want to consider choosing a different evening. Or if you’re dead set on a New Year’s Eve engagement, escape the crowds and chaos a few minutes before the clock starts counting down. Whisk her away to a private setting and make the special moment just about the two of you.
Valentine's Day
This one really depends on the person. A Valentine’s Day proposal can either be incredibly romantic or incredibly cliché. If you and your significant other traditionally celebrate Valentine’s Day, then by all means, let Cupid shoot you with his arrow and get down on one knee! You can keep it fairly simple or go all out with flowers, balloons, champagne, and chocolates. This will make your Valentine’s Day even more special in the years to come.
But say your other half isn’t really into all the mushy gushy love stuff that comes along with V day. It’s probably best to choose another day. Proposing on a holiday that your significant other isn’t very fond of just doesn’t make sense. It may seem like you don’t really know them at all.
The moral of the story? If you’re going to propose during the holidays, make sure it’s a holiday that is special to the both of you.
If you have a holiday proposal planned and you’re looking for the perfect ring to completely awe your special someone, stop by Leo Hamel Fine Jewelers on San Diego Avenue. From new engagement rings to vintage engagement rings, to designer engagement rings, and even custom design engagement rings, you are sure to find the perfect ring for an unforgettable holiday proposal.
Perfect Spots for a Fall Proposal
Autumn is officially upon us, and we couldn’t be more eager for this spectacular season. The time has come to delight in the revelries of fall, like hot air balloon rides, tailgating parties, and scary movie marathons. There’s an awful lot to love about autumn, so it’s no wonder this time of year is popular for marriage proposals. Take in the beauty of the season with your sweetheart and pile on the fall fun while you still have time. And if you’re planning an engagement, check out these romantic outdoor proposal ideas for fall to get inspired!
Campfire Proposal
Fall is an excellent time of year for camping or a backyard bonfire, with just the right amount of chill in the air and spectacular scenery everywhere you look. And what makes a better backdrop for a romantic proposal than a cozy campfire? Snuggle up with your sweetheart, a warm blanket, and a bottle of champagne to set the mood just right. Once you’ve created the ideal ambiance, take this intimate opportunity to profess your love and pop the question.
Pumpkin Patch Proposal
Every autumn, families flock to the pumpkin patch for the quintessential fall experience. After all, who doesn’t love haunted hayrides, petting zoos, and pony rides? If you and your beloved enjoy the nostalgia of this timeless fall tradition, a pumpkin patch proposal may be perfect for you! Bundle up in your favorite fall sweaters, enjoy a cup of hot apple cider, and take in all the sights and sounds of your childhood. After partaking in all the fall festivities, find a quiet moment together to get down on one knee.
Pumpkin Carving Proposal
Once you and your true love have found the perfect pumpkins, it’s time to get carving! This presents yet another opportunity for a romantic outdoor proposal that’s sure to take her breath away. Plan an evening together to carve your masterpieces and tell her you’d like to wait until the end to unveil your handiwork. You can use a printable template to carve “Will you marry me?” into your pumpkin, or even multiple pumpkins if you have the time. Then, once your pumpkin(s) are lit up with a candle, it’s time for the big reveal. Your bride-to-be is sure to be swept away by this sentimental gesture. Plus, a pumpkin carving proposal makes for a great fall photo-op.
Orchard Proposal
Nothing says fall like an afternoon spent apple picking. Harvest some fresh fruit with your love while enjoying the crisp autumn air. Settle down in a quiet spot for a picnic in the grass and seize the moment to ask for her hand. Once she says “yes,” you can head home with your haul and bake a delicious dessert together to celebrate the occasion.
Park Proposal
The ultimate outdoor proposal ideas for fall include beautiful backdrops that make the moment even more memorable. Luckily, there are plenty of parks around the country that offer wondrous views of the changing fall foliage. Surprise her with a stroll through a picturesque park and when the moment feels just right, get down on one knee and present her with the glittering diamond ring she’s always dreamed of. Be sure to get some snapshots with the lovely autumn leaves to remember the moment for years to come.
Corn Maze Proposal
The festivities of fall just aren’t complete without a trip to a corn maze. You and your love can work together, navigating all the twists and turns. She’ll be so distracted trying to find the right route, you’ll have plenty of opportunity to catch her off guard. Kneel and pop the question in a corner secluded by towering corn stalks. Or, save your surprise for the end, when you’ve finally found your way.
Winery Proposal
Autumn is one of the best seasons to take a winery tour, as many types of wine grapes are harvested between August and October. Wineries are also a superb location for planning an epic outdoor proposal. Not only do wineries boast stunning scenery, but they also tend to offer an array of outdoor activities to enjoy. Sip on some flavorful reds and whites, indulge in some fresh local fare, tour the vineyard, and take advantage of a relaxing afternoon with your future bride-to-be. With the help of a little liquid courage, asking for her hand might feel a tad less frightening.
The first step to planning the perfect proposal is finding an engagement ring she’ll love. And what better place to find exceptional engagement rings than Leo Hamel Fine Jewelers? For over 40 years, Leo Hamel’s has helped countless happy couples seal the deal with engagement rings in every price range. Shop for new, antique, and vintage engagement rings to find the right ring to complement your sweetheart’s style. Or custom create an engagement ring that’s entirely unique. No matter your vision, the friendly folks at Leo Hamel Fine Jewelers can help turn your idea into a reality. What’re you waiting for? Visit us today!
Find the Right Local Independent Jeweler
Buying an engagement ring can be one of the more significant purchases you’ll make in your lifetime. There is more to consider than just the financial aspect. You want this piece of jewelry to be a representation of enduring, lifelong love.
There’s an entire succession of decisions to be made – the size of the band, the choice of the center gemstone, the carat weight, cut, clarity, and color of any diamonds, etc. You can’t redo a proposal, so you want to make sure to plan each detail and avoid the typical mistakes.
But before you dive into the specifics, the first thing to decide is where you will buy the ring. There are some important things to consider before you choose where to shop. This should include the unique advantages of opting for an independent jeweler over a chain store. Where it the best place to buy in engagement rings in San Diego? We’re here to enlighten you on the many benefits of buying locally.
The Value
Price is one of the bigger factors to bear in mind when buying an engagement ring, but so is value. When shopping by price alone, you can end up with a lower quality ring. Some jewelry store chains tempt people with what appear to be lower prices. What can you expect to get for those apparently low prices? Non-GIA-graded, lower quality diamonds and precious stones in uniform settings.
Their inventory typically offers a limited number of styles and designs, meaning your choices are few. Most of these chain stores look like exact replicas of each other, with very few distinguishing features. In short, being offered a low price at a jewelry chain store does not consider the quality of options as well as the actual jewelry itself.
With independent jewelry stores, you’re dealing with a business that survives on repeat customers and referrals. This means that they will strive to make their patrons happy and build a positive reputation within the community. With their lower overhead expenses, independent jewelry stores give you better value for the money spent. Plus, they usually offer discounts and special promotions that other retailers don’t.
At Leo Hamel Fine Jewelers, we have special offers for our customers every month. Plus, we offer special financing options. But most importantly, when you shop with an independent jeweler, you can find quality GIA-certified diamonds, warranties, and custom work done by an in-house team of jewelers and Graduate Gemologists.
The Integrity
Jewelry chain stores carry an inventory of mass-produced items. They must get these items sold quickly to make room for new incoming products. Some salespeople can be as aggressive as the stereotypical used car salesmen. A few even get a reputation for misinforming buyers about ring flaws and characteristics.
Some chains brand their own diamond cuts and/or use a proprietary grading system. Their purpose it to make the gemstones difficult to compare to those at other stores. The GIA diamond-grading system is the industry standard. Any chain store that steers clear of providing GIA certificates speaks volumes about their sales tactics.
At the risk of repeating ourselves, we’ll emphasize the fact that independent jewelers serve the community, and their service strongly underpins their reputation. The quality jewelry they offer comes with certificates that meet or exceed industry standards. And the terminology they use in describing their jewelry adheres to the terms and definitions of the trade. Additionally, the service you receive is of high quality and personal.
The Selection
You would expect a chain store to have a huge selection because of their buying power, but that’s not commonly the case. Chain stores often focus on and promote their proprietary brands and lines. These are almost always mass-produced. These store usually don’t carry many designer collections besides their own.
They sometimes carry collections signed by celebrities, and though we may admire certain celebrities and their styles, they are neither jewelry designers nor artisans. If you want to buy something that’s custom or unique, you’ll most likely be hit with a hefty price tag and must pay in advance for them to order it for you. Independent jewelers have a varied selection of numerous new and vintage designer lines which you can see in person and try on before you make your purchase.
Leo Hamel Fine Jewelers
At Leo Hamel’s not only do we have the largest selection of all the jewelers in the San Diego area, but our selection is also wonderfully diverse. We carry new and vintage engagement rings from designer names like Heart On Fire, Venetti, Tiffany, Tacori, Vera Wang, Beverly K, Simon G., and more. We are the largest San Diego buyer of vintage estate jewelry, which means that you can find heirloom-quality jewelry for sale at amazing prices.
For over 44 years, San Diegans have trusted Leo Hamel’s as the best place to buy engagement rings. Reading our reviews, you’ll see the difference in quality that we provide to our shoppers and the community of San Diego. A considerable portion of our customers are loyal, returning clients who trust our prices, services, and expertise. Visit our jewelry store on San Diego Avenue, where our friendly and knowledgeable sales team will show you how easy it can be to find a ring that perfectly matches her taste and your budget.
Important Tips About Engagement Ring Financing
An engagement ring is no small investment. In fact, besides your home and vehicle, it’s likely one of the larger purchases you’ll make. Though many people plan for such an expense, saving the exact amount you need is tricky. After all, if you’ve yet to find the ring of her dreams, how can you anticipate how much it’ll cost?
Marketing tells us that to save for an engagement ring, one should put away at least three months’ salary. But as the cost of living continues to rise, this rule has become increasingly outdated. For some, saving can seem downright impossible.
So, how does one go about finding the perfect ring without a huge wad of cash in hand? Luckily there are plenty of options for engagement ring financing. When done wisely, they can make this expense much easier to manage.
Jewelry Store Financing
Nearly every major jewelry store offers financing options. Most programs offer a period of deferred interest, giving you time to pay off the principal balance with no interest. Applying for financing from your jewelry store is generally as simple as filling out an application and waiting for a quick credit check.
Should this be the option you choose, it’s ideal to have a ring in mind before submitting your application, to avoid too many credit inquiries. And if there’s a deferred interest period, be sure to pay off your balance within that window of time to avoid being hit by the accumulating interest.
Credit Cards
Like any large purchase, you have the option to finance an engagement ring with a credit card. Though you run the rise of facing high interest rates, there are some cards that offer up to 18 months with 0% APR. These usually come with a 3%-5% fee. If you break that down, a $5,000 engagement ring could be paid off in 18 months with payments of less than $300 per month.
Making payments each month is often easier for folks to manage, which is why plenty of people opt for financing with a credit card. Not to mention, most credit card companies now offer points rewards programs that make them even more enticing to customers.
Personal Loans
If you’re looking to avoid credit cards and the looming threat of high interest, personal loans are yet another option for financing an engagement ring. Though very similar to credit cards, personal loans tend to have fixed interest rates. You’ll receive the entire sum up front and can pay it back over an agreed upon length of time.
Be sure to know whether you’re applying for a secured or unsecured personal loan. A secured personal loan will require you to provide some sort of collateral, while an unsecured loan will examine your credit and financial history. Also, confirm whether there are any additional costs to you, like an initiation or annual fee.
Should Your Look Into Financing and Engagement Ring?
Still wondering whether you should finance an engagement ring? Ultimately, the decision is yours to make. Only you know the details of your personal finances, and what makes the most sense to you. Do you consider yourself financially savvy, and will remember to pay off your balance before the interest comes due? Then there’s no reason not to take advantage of engagement ring financing! When used wisely, these financing options can work to your advantage, and relieve some of the pressure that accompanies purchasing an engagement ring.
If you’re wondering where you can find engagement rings for all price ranges in San Diego, you’ve come to the perfect place! Leo Hamel Fine Jewelers offers no-interest financing with your approved credit. Applying is easy and quick. You’ll find an astonishing selection of new, antique, and vintage engagement rings for every style and budget! Surprise her with a one-of-a-kind antique or vintage engagement ring that she can wear as her very own piece of history. Or, if she has a trendier style, a glittering Hearts On Fire diamond is sure to take her breath away. No matter what you’re looking for, we can help you find it here at Leo’s!
Picking the Perfect Men’s Wedding Band
So, you’ve found the perfect wedding set for your sweetheart and it’s time to select your own wedding band. Men’s wedding bands come in a variety of different styles, not just the classic smooth band. You may feel even more overwhelmed by your ring choices than you were by hers. But there’s no need to fret because we will help you navigate the process!
Consider Your Budget & Lifestyle
Considering how much you want to spend could help when it comes to choosing some of your options, such as higher-end metals or embellishments like precious gemstones. But you don’t have to know your budget before visiting your jeweler to try on a variety of bands. Once you find one that is appealing, then you can decide whether to fit it into your budget. After all, a wedding band is meant to be a lifetime investment, so this splurge for the groom is allowed.
When choosing a wedding band, it is important to examine your lifestyle. Perhaps you work in a profession that requires you to work with your hands or use certain tools that could potentially damage your ring. There are certain metals like platinum and titanium that are known for durability. Are you an exceptionally active person? Maybe you’d prefer a ring that is more understated with no fuss. Remember, this is a piece of jewelry that you’ll likely wear daily and seldom remove. You want to make sure it can stand up to your daily activities.
Choose Your Metal & Fit
There are a variety of metals to choose from when selecting a men’s wedding band. Some of the most popular metals include platinum, titanium, stainless steel, and white, yellow, or rose gold. These metals vary in price and durability. For example, platinum is typically more expensive but is also very tough.
One of men’s biggest concerns when shopping for wedding bands is getting used to wearing a ring every day. If you’re not accustomed to wearing jewelry, this can certainly be an adjustment. This is exactly why making sure your band is the perfect fit is so important! Minor details like whether the edges of your band are flat or rounded can make a difference in the fit and feel of the ring. Trying on as many styles as possible will reveal what feels right for you.
Fitting Your Personality
Last, but certainly not least, you want to make sure that the wedding band you choose expresses your personality. This symbol of love and commitment is meant to be worn for a lifetime, so you want to make sure it accurately represents your unique style and identity. If your style is more reserved, you can opt for a classic wedding band with few embellishments. For a more modern look, you can consider adding extra detail or picking a less traditional metal like rose gold. If you’re a guy who doesn’t mind standing out, add some sparkle to your band. You can do this with round or square cut diamonds set in a channel through the center of the band.
Remember these tips and you’ll find the process to be less overwhelming than it may seem. And don’t forget, Leo Hamel Fine Jewelers has an exceptional selection of new and vintage men’s wedding bands in all price ranges! Visit our showroom today, meet with one of our friendly experts, and we’ll help you find the wedding band that is perfect for you!
