Types Of Diamond Insurance Policies

April 24th, 2014

There are three main types of diamond insurance depending on which state you live in as well as the issuing company. Many diamond insurance policies are very similar but vary according to location, issuing company of the insurance and sometimes even the type of diamonds that are being insured. Strangely enough, all diamond insurance policies are referred to Marine insurance policies.

The three main types of diamond insurance are as follows:

• Actual cash value

• Replacement

• Agreed value

With actual cash value types of diamond insurance the diamond insured is replaced by the insurance company using the following equation: current cost to replace the diamond – depreciation = amount paid to insured diamond owner. Though depreciation is not as big a factor when it comes to timeless gems like diamonds, there are still changing prices and degradation of gem settings.

Replacement is the most common type of diamond insurance that is available today. Appraisal of insured diamonds is carried out in one of two ways. Sometimes the insurance company will set a limit that, regardless of other factors, the insurance company is obligated to pay.

The second type of replacement diamond insurance is where the company establishes the amount to be paid out based on premiums paid by the insured. The payout rate depends on the location, as high crime areas will pay out more often.

Insurance companies are generally able to find replacement diamonds for much less than the customer originally spent on the diamond. For example, a diamond that cost $30,000 may be replaced by a $9,000 that matches the description of the original gem, because diamond insurance companies are able to buy diamonds direct from diamond manufacturers.

In the situation described above, for example, if you lost the diamond and wanted a cash payout as a replacement, you would be issued a check for $9,000 as that is the price of the diamond as valued by the insurance company and its ability to replace the diamond in question for much less.

As far as I know there are only two large diamond insurance companies that offer agreed value insurance. These are Atlantic and CHUBB. With this type of policy the insurance company pays out the agreed value of the diamond as long as it is not grossly overvalued.

If you can find agreed value insurance for your diamond, do it! These policies are not more expensive to maintain than other types and are much more likely to pay out an amount closer to the amount your spent on the diamond originally.

When considering various diamond insurance policies be sure to read everything, as most insurance companies will do only what is required per their own legalese. Take the time to read and research the policies in question and you’re sure to decide on an appropriate policy.

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Buying Diamond Earrings Online

April 24th, 2014

Buying diamond earrings online may sound like a risk, but I’ve had nothing but positive experiences. Instead of sorting through the various wholesale sellers, retail stores and bargain shops on the internet, I go straight to eBay. That’s right, I’ve bought a few different pairs of diamond earrings on eBay and have enjoyed every minute of the experiences.

Okay, for those of you shaking your heads saying, “but only a fool would trust such a costly purchase to an online auction marketplace”, I say “obviously you haven’t seen the prices!”. I was able to find the exact same cut and quality that I had seen in the top jewelers’ stores I’d visited around the city, and for a fraction of the price.

I bought my first pair of diamond earrings on eBay a few years ago and enjoyed the ease of shopping and the quality of the diamond earrings so much that I try to shop for all my jewelry there now. Not only do many sellers on eBay offer the best prices, but the selection can’t be beat.

When you’re shopping at an online marketplace like eBay that has sellers and items fro mall around the world, you’re simply not going to find that kind of selection anywhere else. From one website you can browse through diamond earrings in Europe, the United States or anywhere else. The possibilities are seemingly endless.

As long as you follow a few basic guidelines to auction shopping, you’ll be just fine. First of all, don’t be sucked in by the excitement of an auction that’s about to end. No matter how great the item is, there will be another listed just like it. Be patient and search all auctions, not just the ones that are about to end (which is the default display setting).

Be sure to consider seller reputations. Every seller on eBay has a feedback rating. This can tell you a lot about what you can expect from transactions with a given seller. Even the best sellers rarely have a feedback rating of 100%, but you certainly don’t want to deal with one that has a rating of 80%.

Read all of the auction terms before committing to a purchase. You’d be surprised what kind of useful information sellers include in their auction terms. You may find out that they do not accept the payment type you need to use, or that they don’t ship to our area.

Pay with a credit card or Paypal. The simple truth is that if you do get taken in some way there is no way to get your money back except initiated a chargeback with your credit card company or Paypal. For this reason, I strongly recommend that you only make purchases with one of these types of payment.

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Diamond Rings For Engagement

April 24th, 2014

Diamond rings have long been the traditional token of commitment and as such are given as engagement presents to brides to be. In the American and European tradition, an engagement ring is worn by a woman on the ring finger of her left hand. This placement of a diamond engagement ring indicates that she is engaged to be married.

In modern times, the engagement ring is given either during or just after a marriage proposal has been given. In this way an engagement ring represents a formal agreement about a future marriage. Oftentimes an engagement ring will be connected to a wedding band when the marriage vows have been taken.

There are similar traditions throughout history. There are many variations of rings being given to represent commitment and love. In ancient times, Romans believed that the ‘vein of love’ was situated on the left hand, specifically on the fourth finger. In Sweden and Brazil both the woman and the man to be married wear engagement rings.

Today, in the United States it is becoming a little more common for women to also buy an engagement or ‘promise’ ring for her husband to be. This practice is still quite rare but is gaining in popularity.

In some cultures and societies it is traditional for the engagement ring to cost about one month of the man’s pay. Some popular jewelry companies in the United States have promoted guidelines that project two to three month’s of pay for the purchase of a wedding engagement ring.

Similarly, in Australia some of the same multinational diamond retailers have suggested that a man spend two to three month’s salary on an engagement ring for his bride to be.

Designs of diamond rings have changed greatly over the years, but the fundamental aspects remain the same. There is traditionally a band of some type of precious metal onto which is affixed a gem setting that will hold the diamond or other precious gem in place.

Though diamond rings are the most traditional type of precious gem to be put into an engagement rings setting, many brides prefer some thing with more color, such as sapphires, rubies or emeralds. The type of engagement ring is really up to the individual. If you’re unsure about which type your bride to be would like the best, it’s up tp you to perform some creative detective work.

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Buying Loose Diamonds

April 24th, 2014

Loose diamonds are often sought by those wishing to have custom settings created. Rather than wait for the jeweler to locate the perfect diamond for your custom ring or other jewelry piece, many people strike out on their own in search of the perfect loose diamond source.

If you perform a search of the internet using the terms ‘loose diamonds’, you’re quickly bombarded with countless websites offering everything from diamond information to sites crammed with links to actual loose diamond sellers and even less direct and/ or relevant search results.

When shopping for loose diamonds it‘s worth it to go with a reputable source. I’ve bought several diamonds online from so-called loose diamond retailers and wholesalers, with mixed results. You’re welcome to perform your own research and experiments, but when it comes to something as costly as diamonds I’d rather not have to worry about returns and whether or not the claimed quality is the actual quality, etc.

I bought a few diamonds from less reputable sources and everything worked out well. The diamonds were the same cut, clarity, color and depth as they had been marketed and I was very pleased at saving some money. That said, I’ve also had some bad experiences with loose diamond purchases online. One case in particular left me steaming mad with a very overpriced diamond that was no where near the quality I had been lead to believe it was.

Though I’ve had good experiences shopping for loose diamonds online, the one very bad experience was enough to convince me to go with a well known loose diamond source for all future loose diamond purchases.

After researching and consulting others in the know, I finally decided on Mondera. You can visit their website and browse through all kinds of loose diamonds and diamond jewelry. There is even a handy diamond search tool that allows you to input your specifications and shows you loose diamonds that match.

I have nothing but praise for Mondera and the diamonds I’ve bought from them. The quality and customer service are the best I’ve seen. I will continue to buy loose diamonds from Mondera and advise others to do the same; it’s a great company with a great product.

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Diamond Watches: The Most Elegant Of Timepieces

April 24th, 2014

I’ve never been one to go for gaudy diamond jewelry, and so I never thought I’d like to own a diamond watch. But then one night at a gathering of friends a long time girlfriend of mine showed me her new diamond watch and I was simply amazed at how understated and elegant a diamond watch can be.

I asked her where she found such a lovely diamond watch and she told me she had found it online at a comparative shopping website that featured diamond watches from several different diamond merchants. She said she really liked being able to price watches and compare features all at one website.

In the end I decided I just had to have a diamond watch like my friends, but a little different. Pink isn’t my favorite color, in fact, I despise it. So her ESQ Lolita diamond watch with pink leather just wasn’t the diamond watch for me.

I ended up using a few different comparison shopping sites that had a diamond watch category. I figured I may as well go with a shopping site that specializes in diamond watches instead of digging through all kinds of offers from jewelry stores in general.

I ended up using Yahoo’s shopping guide as well as a few others, such as Bizrate and even took a quick tour of Consumer Reports. I finally found the perfect diamond watch at I decided on the ESQ Intrigue Women’s Diamond Watch.

It’s an exquisite little watch with a nice price to boot. It features a perfectly round bezel and twelve prong set diamonds. Polished steel forms the band and a pale blue Mother-of-Perl dial shines with against the silver colored hands and faceted hour markers.

I’m so glad I went online to find the perfect diamond watch. I could have spent hours and hours looking at local jewelers’ shops and still not have found anything like the diamond watch that I did. I’m very happy with the watch and the transaction. I will definitely go back to for future jewelry purchases.

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The Natural History Of Diamonds

April 24th, 2014

As many people know, diamonds are formed primarily by intensive pressure. Over along period of time materials including carbon that are exposed to high temperatures and pressure for a prolonged period of time eventually become new and different compounds altogether.

The formation of diamonds is possible on Earth because it has areas that have high enough pressure and temperatures to provide optimal thermodynamic conditions for the formation of diamonds. Under most parts of the Earth’s surface, diamonds cannot form until depths of more than ninety miles below the surface of the earth are reached.

The formation of diamonds require temperatures around 1200 degrees Celsius (that’s 2200 degrees Fahrenheit) and pressure of approximately 5 gigapascals. Without these extreme set of conditions the formation of diamonds is simply not possible, though synthetic diamonds are produced my mimicking these conditions.

Eclogitic diamonds are those whose carbon is organic in origin. Ecologitic diamonds contain organic carbon from detritus that is organic and has been pressed down from the surface into the earth’s interior depths through the action of subduction or plate tectonics. Harzburgitic diamonds are formed with inorganic carbon that Is found deep in the earth’s mantle.

Diamonds that eventually push their way up through the earth’s surface are typically very old and range in age from 1 to 3.3 billion years of age.

Very small diamonds, sometimes called nanodiamonds of micro diamonds are sometimes created in other high pressure and high temperature conditions, such as when meteors hit the surface of the earth and cause shock zones and impact sites.

Generally, diamonds rise to the surface of the earth through deep volcanic eruptions. The magma of such volcanoes reaches deep into the earth’s mantle where diamonds are formed and are then carried up to the earth’s surface.

There are also volcanic pipes built into many volcanoes where diamonds can be picked up from deep within the earth and slowly moved toward the surface through these ‘pipes’ that eventually bring the diamond formations to the surface.

Diamonds have long been used as precious gems for decoration and such usage goes back to antiquity. Throughout history gemologists and those who trade precious gems have worked to better classify diamonds. Today, there are a few highly reputable gemological associations that ‘certify’ diamonds. These are the Gemological Institute of America, the International Gemological Laboratory, the American Gemological Society and the European Gemological Laboratory.

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Choosing A Princess Cut Diamond

April 23rd, 2014

Love the brilliance of the traditional Round Brilliant Cut that has been the standard diamond engagement ring cut for decades, but want something a little different? You’re not alone. More recently, diamond engagement ring buyers are increasingly turning to princess cut diamonds.

Princess cut diamonds are square in their overall shape, which is fundamentally different in appearance than the traditional round brilliant cut found in most diamond engagement rings. Historically, square cut diamonds just don’t measure up to round cut diamonds in terms of sparkle. Princess cut diamonds have changed all that with a finely tapered shape that allows sparkle to flow from the corners to the top enter portion of the gem.

Most square and rectangular gems have rounded corners. Since a princess cut diamond has distinctively pointy corners, it is important that the corners are protected. Choose a setting that will protect your princess cut diamond’s find corners.

Beyond sparkle, princess cut diamonds have another advantage. Giving a diamond a princess cut allows stones with various flaws and somewhat lower overall quality to be used. Basically, diamond flaws are not as readily apparent in princess cuts. Likewise, lower quality diamonds can be used in princess cut settings than many other types of cuts.

Because everyone has a different set of priorities when it comes to diamond shopping, we’ll discuss two different sets of buying guidelines. The first are minimum recommendations for those with a higher emphasis placed on budget than quality.

Using these minimums you’ll be able to find a quality diamond without going broke:

• Cut: Good

• Clarity: SI2

• Color: I

• Depth Percentage: 56-84%

• Table: 53-85%

For those of you with a greater emphasis on quality than finding an affordable diamond may wish to use this list of minimum recommendations:

• Cut: Very Good

• Clarity: VS2

• Color: G

• Depth Percentage: 58-80%

• Table: 58-77%

Princess cut diamonds are very popular right now for engagement rings with accent stones or in solitaire formations. By using the guidelines mentioned here you’re armed with some basic information that will help you find the best diamond for your taste and budget.

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Colored Diamonds: All Diamonds Have Color

April 23rd, 2014

Though a structurally flawless and chemically pure diamond will have no color and be perfectly transparent, the reality is that nearly all gem-sized diamonds are flawed in some way and are not one hundred percent transparent. With this knowledge it’s easy to see why nearly all diamonds are colored diamonds.

Of course there are also diamonds with such intense color that the coloring is thought to enhance rather than detract from the diamond. Where yellow tinged diamonds are considered unattractive, such hues as pink or blue are thought to make a diamond more attractive. The Hope Diamond is probably the most well known blue colored diamond. Of all colored diamonds, red diamonds are the rarest type of all.

Colored diamonds occur in a rather restricted range of color. These include: white, steel grey, yellow, orange, blue, red, green, purple, pink and even brown and black. The coloration is caused by structural defects and interstitial impurities. Light is refracted differently through these flaws and results in different colored diamonds.

The gemological Institute of America uses a ‘D’ to ‘Z’ scale for grading the color ‘white’ diamonds, where ‘Z’ is yellow and ‘D’ is colorless. The color grade scale is as follows:

• colorless: D, E, F

• near colorless: G, H, I, J

• faint yellow or brown: K, L, M

• very light yellow or brown: N, O, P, Q, R

• light yellow or brown: S, T, U, V, W, X, Y, Z

Many other international diamond grading organizations have also decided to use the Gemological Institute of America’s color scale for grading diamonds.

So when do diamonds qualify as colored diamonds, per se? When a diamond is being graded and the color grade is beyond a ‘Z’ rating it is considered to be a colored diamond. These colored diamonds are then graded by a different set of guidelines similar to those used for colored gemstones, such as emeralds, rubies and sapphires.

For the most part, colored diamonds are graded the same as colorless diamonds with regard to clarity and other features. Interestingly, some diamonds have enough color to be graded low as a diamond but very high as a general colored gemstone.

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Wholesale Diamonds Or Marketing Trick?

April 23rd, 2014

So you want to buy a diamond and find the best deal while maintaining a certain level of quality. When we go online to search for what we need we’re tempted to input search terms such as ‘wholesale’ or ‘discount’ in order to uncover the better bargains available through the internet. In the case of diamond shopping we’re most drawn to additional search terms like ‘wholesale’ because it doesn’t signify a drop in quality.

Yet what does the term ‘wholesale diamonds’ really mean in this day and current market? Not much. The difference between retail and wholesale has become less clear, as many wholesalers are able to sell to end users as well as diamond dealers through the internet.

One way to clarify the terms ‘wholesale’ and ‘retail’ is to point to the party buying the diamonds. If someone is buying a diamond for their personal use or to give as a gift then he or she is buying retail diamonds. By this logic, if a person is buying diamonds to turn around and sell to others, then this person could be said to be purchasing wholesale diamonds.

So, are diamonds marketed as wholesale diamonds really a better deal or is it just a marketing gimmick intended to draw customers? The solution is to through out differentiating between diamond sellers that are ‘retail’ or ‘wholesale’. Prices are either good and fair or bad and higher than others offering the same products.

If you do your homework and find out what the going rate of the diamond that you’re interested in buying is, that’s all you need to know when considering if a given store has a fair deal. It doesn’t matter if they call themselves a wholesale diamond seller or a retail diamond seller; the proof is in the price and service.

That said, if price is critically important, go online and do some research. Comparison shop and find out what others thought of their shopping experiences with various diamond retailers and wholesalers. If service is also important to you, then you may find it better to steer away from so-called diamond wholesalers.

If service is important you can make the price work out for you as well. Go to your local diamond retailers and comparison shop. At a local retail shop you will get one on one service and receive excellent support and answers to your questions.

If you’re interested in finding he best deal possible on buying your next diamond, then now’s the time. The diamond industry is becoming more and more like the real estate industry, where there is simply no distinction between retail and wholesale, and everyone is welcome to dive in and find the item and price that best suits their needs.

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The Hottest Diamond Cross Pendants

April 17th, 2014

Diamond cross pendants are a beautiful way to symbolize your faith as well as your taste in fine diamond jewelry. A diamond cross pendant allows you to display your beliefs in the highest of style. There are several styles and levels of quality to sort through when choosing a diamond cross pendant.

One of the most popular diamond cross pedants right now are dual finish silver cross pendants with accents of diamonds either in the center of the cross or in a few select areas such as the corners of the pendant. has an awesome deal on the ‘Faith Conquers All Cross Pendant”. Currently, you can get this beautiful silver and diamond cross pendant for around $100 USD.

Another popular style currently is the chunky cross pendant. These bulkier cross pendants look more like a badge with a cross-style shape to them and have been given an appropriately indicative title: badge pendants. These are a more modern, but still highly elegant way to express your faith in style.

As for myself, I’m particularly taken by the curved cross pendants, often called by books of the bible, such as the Corinthians diamond cross pendant or the Genesis diamond cross pendant. These diamond cross pendants are elegant and stylish with their curvy flairs. I like this type of cross pendant because they have the delicacy of thin cross pendants and the boldness of thicker silver plated cross pedants.

There are just about as many diamond cross pendant styles as there are cuts and quality of diamonds. The internet is a great tool to help you decide what it is you want in a diamond cross pendant. You can browse through the wares of hundreds of top notch diamond sellers all from the comfort of your own home or office.

If you’re wondering about the reputability of a given diamond merchant, take some time to ask around. There are many helpful consumer interest websites that record business reputation as well as detailed customer reviews and opinions. It’s certainly worth looking up a prospective diamond dealer at one of these consumer oriented services.

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