Girls advice on engagement ring for my girlfriend?

http://www.kay.com/webapp/wcs/stores/ser鈥?/a>





I've picked out this ring for an engagement ring for my girlfriend. I've decided not to give it to her until it's payed for, I think I might finance this for around 3 years, she graduates from college in 2011 but is going to law school afterwords. Anyone have any advice on about how much the payments on this will be? Also, do you think it's pretty? I'm graduating from college next year as a Physical Therapist Assistant so I'll be making roughly $18-$20 per hour, but I'll only have a truck payment as I'm going to live with my mom and dad until she goes to law school then live with her. What are your opinions??





Thanks!!!Girls advice on engagement ring for my girlfriend?
A 13K diamond for a girl who isn't going to get proposed to till 2011?? A 13K diamond for a girl who's man can't figure out financing without using Yahoo Answers?





Look, get your crap together, then propose. You don't finance a ring for 3 years then give it to her. It sounds like you can't afford a 13K diamond ring, and if that's the case, it's completely asinine to spend that on her.





Plus, 3 years is a LOT of time. Who knows if you guys are TRULY going to be together then? You'll waste 13K on what? Nothing....





Good luckGirls advice on engagement ring for my girlfriend?
you are 22 and she is what? 19? you are so sweet and sincere, and i am sorry to tell you this, honey, dont even think about buying an engagement ring until after she has graduated from college. how about a modest promise ring for $400 or so dollars so you and both know you are boyfriend girlfriend, but, you are jumping the gun here. my advice is to save !!!!! your money and after !!! she grad. college then look for engagement rings together. study up on stones and such and develop a good relationship with a jeweler so you can get the best stone for the money. i admire you for being a man of planning and goals. truly. but nononononnnnnooooo. no rings and no payments until she is out of college. so many things can happen in the next 3 years. and there is no getting your money back on a ring if this does not work out.
this ring is WAYYYYYY overpriced.


1and 1/2 carats for 13K plus interest?


KAY is robbing you here.





that said, instead of financing a ring for 3 years, why don't you put $ into a savings account for those same 3 years, and then buy a ring you can afford without going into debt. You also will not have to pay interest that way. Try $150 dollars a month, and don't let anything get in the way of you saving!





good luck, and congrats on finding a girl that makes you happy!
don't give her a ring that has paymets, save up, get the ring whe you are ready to propose. good luck
So sorry, but that's all just stupid.


If you are not ready to get married, don't get engaged. When you are ready to be engaged (which is usually for eight months to a year before a wedding), then choose a ring which fits your budget at the time, that you have saved for and can pay for - it only needs to be a modest ring - there are lots of lovely ones.


http://www.kay.com/webapp/wcs/stores/ser鈥?/a>


You don't know what's going to happen that far ahead - wait.
Absolutely too expensive. I would be mad at my boyfriend for spending that much! Yes, the Leo Diamond is top quality, but there are similar rings that are just as nice and not over-the-top. My engagement ring was $2000 and we're paying about 360 a month for a year and it is beautiful. I think you should get a more affordable ring now and upgrade on your 10 year anniversary or something.
It's nice, but does she like it? She's the one who's going to wear it the rest her life so you want to make sure it's her style. Talk to someone who's close to her and see if she has any ideas of what your gf likes jewelry-wise. A 1-1/2 carat is pretty big, does she wear big jewelry? See what she wears, like if her jewelry is more simple and/or dainty or really big and flashy. That will give you ideas on what she likes. 13k is a lot to spend on a ring so you want to make sure it's something she is going to love. good luck :)
I would rather have a more affordable ring on my finger than one that made paying the mortgage and car payments difficult for years to come. The size of the diamond is really unimportant, it does not have any bearing on how well a couple will do. After the first few weeks of showing the ring off it will not really matter how it looks. What matters is how you look across the room to one another. Be smart about making a purchase this large. You can find a better deal and she knows that you love her because you are a devoted partner.
I think you could do alot better. Buying the ring at Kay's means much of that high price is for their mall rent. Have you tried going to a local jeweller? You could get much better service there, and for that price, you could get alot more ring--or a comparable ring for less.





If you were planning on keeping it until it's paid for, why don't you just set up a saving plan for the amount you'd pay monthly to finance it, and once you've got a sufficient amount, buy the ring with cash? This way, you don't have to worry about having/losing the ring, you can get the ring she wants at the time, and ALL your hard earned money goes towards the ring, not any finance charges.





My finace is a successful business owner who makes a very good living, and my ring was $7500. Make sure this ring is not too much for her to walk around wearing--that's as bad as a too small stone.
beautiful (though i personally prefer white gold)


i suggest you go for a more affordable ring though - trust me - size isn't everything - it's all about the presentation and what may look good on her hand (it may look too HUGE) ...





that amount of money can be put towards a house, condo or even the wedding....the engagement ring isn't EVERYTHING (in my opinion)
Yikes that's an expensive ring. Pretty, but expensive, and too big for my tastes. My fiance and I are both in college, and there is no way I would want to wear a $13,000 ring. What if I lost it? I don't know what I would do. My fiance proposed to me with a $150 ring (alexandrite is the main stone, with a very small diamond on the side). I absolutely love it and I know he spent a long time looking for just the right ring. Now, I'm not saying you have to spend less than $500 on a ring like he did, but at least buy a ring you can afford. Even with just the car payment, I think it would be a stretch to pay for that ring. I also agree with the others who said to put the money you would be spending on paying off the ring into a savings account instead, and buying a ring when you have enough money and the time is right. Good luck to you and your girlfriend.
i haven't read any other answers so i don't know if i am the only one thats going to say this but that ring is far too expensive for your budget. almost $13,000.00? there are beautiful rings out there for far less money, you can purchase a nice engagement ring for 10% of the cost of that one. i strongly suggest you reconsider, you still live at home, you aren't making much money now and once you are working you will find $20/hour doesn't go far. talk to your parents about this, get their opinion as to the amount you should be spending.


good luck with it all!
HOLY crappppp i never knew wedding rings cost so much!!!
my sister was just engagaged! something expensive! from tiffany! look at that website its like tiffanyco.com or something! look their!
make payments to yourself instead of the jeweler (move money into a specific savings account for this purpose) and decide what you want to get closer to the date... it doesn't matter if we like it, her taste might change between now and then..





plus 3 years is a long time and you might decide that the money should be spent more practically.. are you sure that she would want such an expensive ring? she might not be comfortable walking around on campus with it and then it wouldn't get worn.. I work at a college and would not want to walk around with 10K+ on my finger..





as for financing amounts, when I bought my car the loan was for 10K, I had a very low interest rate and my payments were $300 a month for 3 years.. so if you make a $300 a month payment to yourself every month for 3 years you will have at least 10K saved up.. and going to a private jeweler they might bargain with you and give you a discount if you pay cash..
Nice rock! First off if your waiting three years, save the money. Don't make payments. You never know if something might happen, of if you'll find a better, cheaper ring. It is Very expensive you know (Lucky her! I Want it baaaaad!).





Nice call living with you parents. some guys would be ignorant enough to give up that type of money saver.
YOu are being ripped off on this engagement ring. You can do alot better. Kay Jewelers is a big rip off..$12K is alot of money for a guy that is starting out. Take my advice and go online to other diamond ring sites. Most give a 30 day money back guartantee and also free Fed Ex shipping. For 1 1/2 cts., this ring is way too expensive. Try bluenile.com, (30 day money back guarantee) and free Fed Ex shipping. also worldjewels.com (30 day money back guarantee) and free shipping, and adiamondisforever.com..same thing. You are being taken for a ride with this ring. It is nice, but way overpriced. Go into these sites and get educated about quality, price etc. Any mall jeweler is too overpriced..Take a deep breath and wait. Tell Kay Jeweler that you have changed your mind and want to do a little more research. Good Luck.
I think its beautiful, and I don't think its bad of you for planning for the future. Everyone can be so pessimistic these days... Everyone I know thought me and my boyfriend wouldn't last even a month. We've been together for a year and half now and are still very much in love. We have plans to get married in 2010 and we are completely devoted to eachother.





I have no idea how the payments wld be, all i can suggest is to try look on the company's website more for that information. Good luck!
1 carat is very small and for 13k. thats too much. you can get a 2 carat for 5k.
I would never want to a ring that expensive. My HTB offered one and trust me we had plenty of back and forth arguments about it.





You better make sure she's willing to wait that long. If she is then open up an interest bearing account like a CD and put whatever your finance payments would have been into the account. After three years then close the account and buy a ring. You will be MAKING the interest intead of paying the shop.





Personally I would give her a ring now with a imitation stone in the setting and then when she graduates as a graduation/anniversary you can give her the diamond. Not to mention if something happens and you miss payments you aren't getting your money back.





You don't say what you yearly/monthly income is but that ring is probably way, way more than you should be spending....and you should NEVER finance anything without knowing how much money you will make.
If you麓re going to spend this much money on a diamond, get one bigger with a little worse color-not a lot, just a little.





This is just a 1/2 carat!!! Spring for a full carat and get it at a wholesale or pawn shop.
omg
I would select a more affordable ring....diamond size isn't everything....you could get a very affordable (certified) ring at bluenile...my fiance proposed with a .5 ct round solitaire in a platinum band, costed him about $1500 and I actually prefer it to anything else he could have chosen....paid with money he saved...
A couple of things, first I think it is a bad idea buying a ring like the one you picked out (some where in the deal you get screwed). The ring is beautiful but I would purchase the mount and the diamond separately, only because you can purchase the mount without going into debt and save for the diamond. The value of diamonds fluctuates vary from year to year and even between different dealers. Also, speaking about the quality of the diamond, there are better ones, you should really check out these options.


Do not forget the honeymoon, this is something the guy pays for, and this is something that will mean alot to her.


I am in the same position and I am trading stock options to make the 10's of thousands of dollars for all of this only because I earn 30.93 an hr. but I have bills and a house payment. Also I am experienced in trading stock options so be careful if you decide to choose this method. A couple of the most important rules to trading options is follow the trend, either going up or down, second, buy enough time~the value of time loses too much value in the last month, use protective stops (in case the stock turns around on you). Lastly, remember everything is multiplied by 100, including the price, which you pay for it. Example: 5 contracts @ .80 = $ 400.00 investment plus commission (which is really not too much).


I hope this helps,


Congratulations


Keith