Posts in the 'Mellzah' Category

Best of 2014: The Broke-Ass Bride’s Engagement Ring Buying Guide!

Real Bride Kate‘s  Aussie fiance, Daniel Gullotta, used to work in fine jewelry and was kind enough to provide our readers with insider’s tips on how to get the best bang for your buck when it comes to wedding jewelry. This guide is the next best thing to having him with you when you go shopping! And when it’s all said and done, don’t forget to get your ring insured. Often when you have an expensive piece of jewelry, you’ll need it listed separately on your insurance policy with proof of its purchase and value. For instance, your policy could cover $30,000 worth of losses, but generally only a few thousand of that can be jewelry, so if you have an expensive piece or family heirlooms, it would require a separate rider or an overall bump in your coverage. Check with your insurance provider to be certain! Although insurance money is a cold comfort in the face of  the devastating emotional blow of loss/theft, it’s definitely better than starting again from scratch. – Mellzah

 

MISSION: ENGAGED!

So gentlemen, you want to get engaged, huh? Well, first off congratulations! This is an exciting time in your lives and it’s something that should be celebrated. You guys are taking a big step together and getting engaged should be one of the more enjoyable things to do. Sadly, with the pressures of a century of jewellery companies and the influence of Nicholas Sparks novels and countless romantic comedies, getting engaged seems to have become a nightmare because of one little piece of jewellery: the engagement ring. In my previous life, while I was taking a break from my academic endeavours, for two years I was a jewellery salesperson for one of Australia’s leading jewellers. I worked for one of the major stores that many people used as a reference to begin their searches, so needless to say, I have suggested, designed, and sold a lot of engagement rings to a lot of different people. Some of these people came in well-prepared and very educated on what they believed was expected of them by their partners and others came in clueless and in desperate need of guidance. So if you are reading this, allow me to take you through some tricks of the trade, some tips on getting a good deal, and some advice about finding the right engagement ring for you and your partner.

As a side note, I would like to stress my use of inclusive language because I have sold plenty of engagement rings to LGBTI couples who want to formally commit to their relationship. Buying engagement rings is a practice not just for heterosexual couples. In fact, I have sold some utterly gorgeous rings to same-sex couples. And, as a man who is typing this article wearing an engagement ring given to him by his lovely partner, Kate, engagement rings are not just for women as well. Engagement and engagement rings are not just for women who are having their fairy tale dreams come true, they can be for anyone and everyone who desires to formally and symbolically pronounce their engagement.

Let Your Desires Be Known

This is the first piece of advice I always give to people whenever I hear young people expressing that they want to get their partner an engagement ring. Does your partner know your desire to get engaged? Do they have a clue that you are planning? Do they know how much you intend to spend on the ring? Are you sure they are going to say “yes” if you propose? The reason why I inquire about this is because it answers a lot of questions straight away, and it also helps with piece of mind. If you are going to get engaged, this means you are about to begin sharing your finances and financial commitments with another person – maybe not today and maybe not tomorrow, but eventually you are going to have to start budgeting for your wedding and other expenses. So, while you may be able to afford an $8000 ring, how much do you imagine spending on the wedding and how soon will you need that money for the wedding? Now, you do not have to let your partner know how much you are going to spend on the ring, but in my experience, partners have a way of finding this out. I think it is good to ask, “Honey, if I was going to buy you an engagement ring, how much do you think is a reasonable amount to spend?” Once I assisted a young man who thought he was going to have to spend close to $5000 on an engagement ring for his partner, but seeing how stressed and pale it made him, I advised him to discuss that with his partner. He came back a few days later very relieved and he informed me that his partner said, “If you spend that much on a ring, you are an idiot.” So, it pays (or rather saves) to communicate. Perhaps I am not being romantic about this, and I am ruining the grand and lovely surprise of it all, but honestly, if your engagement comes as a complete and utter shock, I think you two may need to start communicating a little better.

The other reason why I stress this is because of the chance of rejection and how that will affect your purchase. The worst scenario I have seen was a man who bought his partner an engagement ring which he was going to give to her on their anniversary trip to Bali, being almost two months away. He returned months later with the receipt, the box, the bag, and the ring and asked if he could get his money back because his partner was unhappy with their relationship. She had wanted to talk about it for a long time and with their tickets and hotel booked for Bali, she had wanted to wait until they got home. The engagement ring was a shock and too much and she let her true feelings be known. As sad as that was, my store had polices to follow, and the ring was long out of its return period and had even left the country. We could not give him his money back, and this created one of the biggest stresses in my career as a jewellery salesman. After weeks of back-and-forth dialogue from our legal team and him, the best we could offer him was a gift card for our store which he used to buy a luxury watch, and even then, he was still not happy at all. Yet, I have heard worse, far worse, and people have walked away with even less than that. So please, let your intentions be known and start talking to your partner about the future.

Their Style, Not Whats in Style

The other reason why I say it’s good to talk to one another about this is so you can get their style and desires right. Yellow gold or white gold? Diamonds or rubies or emeralds? How many stones? What sort of cut? What sort of design? The amount of choices can be overwhelming and this is where an important choice has to be made, even before you get into the jewellery store. To look at rings together or go in solo? Both choices are right, and it really depends the couple. Going in solo will take determination and research, but it shows great initiative and allows you the element of surprise. However, bringing your partner in with you can save you a lot of stress and time; plus sometimes their expectations from magazines and movies are not the same once they try it in the store. From my own experience, I am very glad I talked to Kate about rings and took her into various jewellery stores to get a better sense of what her style was. If I had it my way, I would have gone with a single solitaire round set in white gold with six claw prongs. Simple, classic, and timeless I thought, but to Kate, it was overused, dull, and simply not her. While Kate wanted a round stone and white gold (I got that much right), she wanted a few more stones to help the ring stand out a little and be special, and thus I started look at rings I had never originally intended to look at. From Kate’s own perspective, she had always imagined getting a ruby for an engagement ring stone, but when she saw how they had very little shine and no sparkle, her mind was quickly changed.

The Six Cs: Cut, Colour, Clarity, Carat-Weight, Compromise and Cost

When it comes to the actual science and art of selecting a stone, the most important thing to know is the four Cs: cut, color, clarity, and carat-weight. Most jewelry stores, if not all, will have flyers or stands with this information and will demonstrate where the stone you are looking at fits into these categories. The fifth and sixth Cs that no one talks about are compromise and cost. Undoubtedly, these are what will define what you exit the store with. However, one of the most common questions I get is which c is the most important? What is the one that really matters? It’s a good question, but there is no universal answer – it really depends on the person, and you must remember that all of these factors work together in producing what your stone is going to be. So there is no perfect way to determine what is more important: that is up to you and your wallet.

The cut of the stone, before we get into the science of it, will determine how the stone looks, and getting this right is the most important thing because it’s what your partner will wear. If they wanted a square cut stone (a princess cut) and you present them with a round stone (a brilliant cut), that is a big mistake. However, the cut is important because it speaks to the proportions of the stone and that in turn affects the dispersion of light through the stone. Simply put, the cut determines how much sparkle and fire your stone can get on its best days in the best lights. This ranges from excellent to very good to good around the crown, girdle, and pavilion, each with its own grading. A stone with an excellent cut crown, girdle, and pavilion is the most desirable and is known as triple excellent cut or flawless cut. However, these stones are rare because in order to create a stone with a flawless cut, the stone itself must have very few flaws to work with. Thus, generally, most stones on the market are good to very good and some with excellent qualities such as just the crown or just the pavilion.

Next is colour. When it comes to diamonds, they are graded from D to Z: D for diamond being the best and colourless. The ranges differ from jeweller to jeweler, but in my experience D-F are generally considered colourless or rare-white stones, G-H are near colourless or white stones, and J-M are faintly yellow or off-white stones, and so on. However, let me stress something here: there is no exact scientific way to grade the colour of stones. Do not be fooled: all colours are graded by the eye and one person’s H grade is another’s J. The difference in colour can be subtle or striking and this depends the range you find yourself in. In my experience, due to cost, the range most people find themselves in is about the G-H range, as these are whiter stones but still relatively affordable.

The one the most people do not like knowing too much about is clarity, which is a polite way of putting how many flaws and inclusions as stone has. The reason why this matters is because these inclusions interfere with how much light passes through the stone. The fewer inclusions to mess with the dispersion of light, the more shine and sparkle you are going to get. Some cannot be seen by the naked eye, and generally these are very small inclusions, others are slight and take a trained eye to see, but some contain small spots that can be seen, and in my experience, they are known to drive people crazy. And this is where I want to stress something: do not get caught up in the clarity game. Unless you are stupidly wealthy, if you want a natural stone, whether it’s a diamond or a ruby or whatever, it is going to have flaws. Accept that fact and move on. Seriously, take a deep breath and move on. My advice to you is to go for something with small inclusions that you cannot see with the naked eye. It’s good to know where they are and how big they are, so ask the salesperson to show you with a magnifying glass. Once you look through the glass, remove it and see if you can still notice the inclusion. If you can and it’s striking, the stone is probably not good. However, if you can’t, you know the flaw is there, but you know it’s not noticeable.

Last comes carat-weight, which is all about the size of the stone. Stones are measured in carats, one carat being one hundred points. The bigger the stone, the bigger the price tag. Carat is probably the most difficult part of being a salesperson in jewellery, because generally this is where people get the most unrealistic or have the least amount of information. Being a fan of the single solitaire, I imagined getting Kate a one carat stone, being a nice even and holistic number, yet, when I discovered how much it was going to cost me (even with staff discount), I knew getting a one carat diamond was not going to happen. Carat weight is what can hurt the most, because, next to the cut of your stone, it’s what people and your partner notice (and sadly judge) first. Did they get a stone or a speck?

After saying all this, here is where compromise and cost come into play. Ask yourself honestly, what really matters to you the most, and how much is it going to cost you to get it? Does size really matter to you that much? Can you live with a bigger stone but with less sparkle than you would like? Can you manage a very lovely stone with very few flaws but is it about the size of a grain of rice? Is there a perfect stone across the board with just one inclusion that you can see at certain angles? What can you compromise on, and how much it is going to cost? Honesty is the best medicine. If you can only afford a $2000 ring, stop looking at the rings that cost $10000. It simply isn’t going to happen, so walk away and save yourself the grief.

Tips and Tricks for Grabbing a Bargain

Having said all that, allow me to impart a few tips and tricks for getting a great deal on your engagement ring. These aren’t guaranteed to work, but they have helped people I have served time and time again, and they come recommended from a lot of finance books such as The Total Money Makeover and The Millionaire Next Door.

  • Every day is a Sale Day: Jewellery stores always seem to have a sale going on, so don’t be surprised when you go in and see lots of “sale” signs and banners and discounts of 25% – 50%. By all means, go and see what is on sale, but do not stress if what you want is not on sale. If you want it, then and there, if you make them work for your money and business, trust me, it will go on sale for you. However, this will not work for certain companies that do not negotiate on price, but if you are shopping at one of those stores, you are probably more interested in the name on the box rather than the ring inside.
  • Shop on a Sunday near the End of the Month: Sunday is viewed in either two ways, the start of a new business week (a great chance to get the week off to a good start) or the end of the business week (the last chance to boost a store’s numbers). Either way, Sundays are quiet days for businesses, and malls are not nearly as busy on Sundays. They have fewer staff members, and that is the time a lot of stores use to do extra amounts of cleaning. Also, if it’s near the end of the month, most of employees will have their budgets due, and if they haven’t made their targets, stress will be high and this will only be increased by how quiet a Sunday is. They will bend backwards to get your money, and by bend backwards, I mean bend prices.
  • Cash is King: Cash is the easiest way to get a deal you normally wouldn’t get with a credit card or a financing plan. Cashshows you are serious, very serious. Cash in hand moves people to make deals and get business done. I can tell you a story when a very impressive woman wanted to buy her partner an engagement ring and she had decided that was the ring she wanted, she opened her purse and flashed a lot of bills and looked me directly in the eye and said, “Now let’s talk about that price.” Cash is the best weapon you have. It gets the deal done in one transaction, saves you on interest, gets you the best discount and even makes the salesperson a profit: everyone’s a winner.
  • Fight Emotion with Emotion: “Sell emotion.” That is the mantra of the salesperson in jewellery. Because jewellery items are such personal items, salespeople are trained to persuade and influence people by selling emotion in their sales in order to maximise their profit. Do not let their flattery, stories, or emotions trick you. Of course they are going to tell you this ring is very popular and it’s amazing and it’s stunning and it’s perfect. Of course they are going to tell you that someone else has been looking at it and that there are very few left in the company and that your fiancé(e) would really love this ring. Fight emotion with emotion. Ask them, “What can YOU do on the price?” Say to them, “If I brought this ring today what would YOU make the price for me?” Point out, “I see YOU have a sale on this month, let’s discuss this ring.” Be bold and blunt, “I want this ring and YOU want to sell it to me, what are deal WE going to make?” Get them involved in this deal: they want your money and you want the ring, at least everyone’s honest about it.
  • Meet me in the middle.This phrase has seen more business settled than you can possibly imagine, both by me and by my clever customers. For example, one day I was selling a ring that was $3000 at full price. The lady who was interested in it told me she really only wanted to spent $1000, yet she loved that ring. After speaking with my manager, I offered her $2000, and she still insisted that was too much and it wasn’t what she had in mind and we went back and forth until she drew out $1500 in cash and said to me, “How about we meet in the middle?” It’s so simple, and it’s so effective. It’s the best way to try and keep both parties happy. See what discounts they can offer you and try your best to undercut them until they really start to hold up a fight, and then, flash your cash and offer to meet them in the middle.

Parting Advice

My final piece of advice is that ultimately the engagement ring is what you make it. It is your money, but more importantly, it’s you and your partner’s choice in what you want to symbolise your commitment to one another. Do not feel pressured to follow the masses and get a diamond ring, far from it. Diamonds as ‘the engagement’ stone are a modern invention and engagement rings as common practice by the masses (not by the super powerful and wealthy) is a modern marketing phenomenon. I have seen every stone under the sun used an engagement ring, and the people who wear them rock them with complete and utter confidence that is inspiring. I have seen engagement rings made out of sterling silver crafted in traditional Celtic styles and even gothic skulls and dragons used as an engagement ring. Everyone is different. We all have different budgets, of course, but we all have different tastes and styles too. Do not let the norm inform you what you ‘should’ spend on your partner and what will make them happy.

That’s for you to decide.

BAB Throwback: Real Bride Mellzah – The Kids Aren’t All Right

While we’re on the topic of tricky guest-listing, it seems like a great time to revisit that all-too-stressy issue of kids vs. no kids at your wedding. Guys, it’s cool. Whatever decision you make is TOTALLY up to you. Some people are all about the kidlets, providing coloring books and play areas. Others are all “NOPE.” Both are great decisions, as long as it’s something you’re comfortable with. Mellzah and her hubz were in the kid-free camp, and she wrote this during her tenure as woman of awesome here.

Go away, little girls…and boys.

With our Save the Dates at the printer, we are fast approaching the date at which we need to have our guest list finalized, and it’s turning out to be the most stressful and contentious issue thus far. Mr. Dildarian comes from an enormous family, and they treat weddings like an opportunity for a family reunion–with his family alone, our guest list stands at 43 people. Add my entire family, and that list swells to 50 people–we’re a small group that becomes even smaller when you take into consideration feuds and cut ties and elder relatives too infirm to travel. However, I’m a bit of a social butterfly and I could easily invite 100 friends and still end up with people with hurt feelings. So where is our issue? The inclusion of children. Namely, I don’t want any present, and while Mr. Dildarian is fine with that, his family absolutely would not be.

There are a number of children on Mr. Dildarian’s side, spanning the age range from newborns to teenagers. One of them we’ve taken to calling The Grifter, whose favorite trick at Christmas was to go from adult to adult asking for money to “show [them] a trick” and when they complied, it was revealed that the trick was “It’s mine now!”. While he certainly made money at a rate at which I could only dream, it’s not exactly a charming experience I’d care to have repeated at my wedding.

Precious.

Literally no solution I’ve suggested has been deemed acceptable. I first said we should just be adults and tell them that we’ve decided to have the wedding and reception be adult-only; we’re not having any flower girls or ring bearers or junior bridesmaids, so it’s not a case of inviting some children and not others. This was countered with “My whole family will be uncomfortable if not everyone is invited.” I then suggested we should lie and tell them our venue doesn’t allow children. “They’ll call the venue to check.” WHAT?! Fine. I’ll hire a babysitter to watch the kids at a nearby hotel room (As all relatives have to fly here for the wedding, leaving their children at home and hiring their own babysitter is out of the question). “My aunt won’t want to be separated from her children.” Is there no possible scenario where I get to have my way? I don’t allow adults to bully their way into a party invitation–why do I have to allow people to steamroll me with their children? And if I can’t tell his family no children, how can I tell everyone else with a child that said child is not invited? It’s ballooning out of control.

Our venue has a hard guest limit of 120 people, and it galls me every single time I have to cross off someone who has played a major role in my life to include someone’s baby. It will gall me even more if said baby starts screaming in the middle of our ceremony. I have a crystal clear mental picture of me whipping toward the audience in an uncontrollable scream-induced rage, which is hardly the image of radiant and serene beauty I was hoping to project. Just thinking about it now is deepening my frown line.

I’m trying to see the issue from both sides–I’m sure people with kids can’t fathom why someone would want to choose to exclude them from an event that is, at its core, about family; after all, kids can add exuberance and life to a party. On the other hand, I can’t see what’s wrong with wanting to have an adults-only gathering for one night–the kids won’t be excluded from anything else when the whole family circus comes to town, and the adults can have a good time and relax instead of worrying about whether tiny fingers are going into the cake or frantically sticking their hands over their kids’ ears when a toast goes off-color.

Another lovely capture for our wedding album.

Is there a happy medium? A place where I don’t have to worry about kids at the wedding without the lifelong consequence of being “That Awful Medusa Woman Who Stole Our Son Away By Poisoning Him Against Us” or “That Rotten Kid Hating Whore”? Or do I have to suck it up, find a way to come to terms with this, and just be thankful that they live across the country so I never have to buy a Thanksgiving table that seats 60?

Broke-Ass Brides Against Breast Cancer

The Broke-Ass Bride is proud to partner with Brides Against Breast Cancer, turning gently used designer gowns into a beacon of hope in the worldwide fight against breast cancer. If you’d like to donate your gown, here’s how. If you’re in need of a gown, Brides Against Breast Cancer runs a nationwide tour of gowns, and you should most definitely check it out when it rolls into your town!

bridesagainstbreastcancer

Hurst, TX – Dallas/Ft. Worth Area April 4 – 5, 2014 Feragne Villa Wedding & Event Venue
Boston, MA April 4 – 5, 2014 Benjamin Franklin Institute of Technology
Boca Raton, FL April 4 – 5, 2014 Embassy Suites Boca Raton
St. Louis, MO April 4 – 5, 2014 Holiday Inn St. Louis South County Center
Mobile, AL April 6, 2014 The Battle House Hotel & Spa
Columbus, OH April 6, 2014 The Fawcett Event Center
Reston, VA – Washington DC Area April 11 – 12, 2014 Sheraton Reston Hotel
Wichita, KS April 12, 2014 Holiday Inn Wichita East I-35
San Ramon, CA – SF Area April 12 – 13, 2014 Crow Canyon Commons
Austin, TX April 19, 2014 Hyatt Regency Austin
San Diego, CA April 19, 2014 Hilton Garden Inn San Diego/Del Mar
Cincinnati, OH April 19, 2014 Hyatt Regency Cincinnati
Columbia, SC April 26, 2014 Hilton Columbia Center
St. Petersburg, FL May 4, 2014 NOVA 535 Event Space
New Brunswick, NJ May 4, 2014 Hyatt Regency New Brunswick
Philadelphia, PA May 9 – 10, 2014 Wyndham Philadelphia Historic District
Sioux Falls, SD May 10, 2014 Sheraton Sioux Falls Hotel & Conference Center
Richmond, VA May 10, 2014 The Westin Richmond
Metairie, LA – New Orleans Area May 10, 2014 Four Points by Sheraton New Orleans Airport
Tulsa, OK May 16 – 17, 2014 Hyatt Regency Tulsa
Providence, RI May 16 – 17, 2014 Hilton Providence
Dover, DE May 18, 2014 Maple Dale Country Club
Charlotte, NC May 23 – 24, 2014 Embassy Suites Charlotte
Roanoke, VA May 24, 2014 Sheraton Roanoke Hotel & Conference Center
Arlington, VA – DC Area May 31 – June 1, 2014 Le Meridien Arlington
Woodland Hills, CA – LA Area May 31 – June 1, 2014 Hilton Woodland Hills/Los Angeles
Bangor, ME June 1, 2014 Four Points by Sheraton Bangor Airport
Erie, PA June 8, 2014 Sheraton Erie Bayfront Hotel
Henderson NV – Lake Las Vegas Area June 14 – 15, 2014 The Westin Lake Las Vegas Resort & Spa
Lombard, IL – Pretty in Pink June 21 – 22, 2014 Jasmine Galleria
Laramie, WY June 21, 2014 Hilton Garden Inn Laramie & UW Conference Center
Carbondale, PA June 21, 2014 Best Western Pioneer Plaza
Bakersfield, CA June 22, 2014 Four Points by Sheraton Bakersfield
Weehawken, NJ June 28, 2014 Sheraton Lincoln Harbor Hotel
Marietta, GA – Atlanta Area June 28 – 29, 2014 Hilton Atlanta/Marietta Hotel & Conference Center
Louisville, KY July 12 – 13, 2014 Ramada Plaza Louisville Hotel & Conference Center
Orlando, FL July 19 – 20, 2014 DoubleTree by Hilton Orlando Downtown
Emeryville, CA – San Francisco Area July 26 – 27, 2014 Hilton Garden Inn San Francisco/Oakland Bay Bridge
Whittier, CA – LA Area August 15 – 16, 2014 Radisson Hotel Whittier
Fort Worth, TX August 22 – 23, 2014 Renaissance Worthington Hotel
Beachwood, OH – Cleveland Area September 12 – 13, 2014 DoubleTree by Hilton Cleveland East – Beachwood
Welches, OR – Mount Hood Area September 13 – 14, 2014 The Resort at the Mountain
Jacksonville, FL September 20 – 21, 2014 Sheraton Jacksonville
Bridgeville, DE October 5, 2014 Heritage Shores Club
York, PA – Lancaster Area October 17 – 18, 2014 The Holiday Inn Conference Center of York
Birmingham, AL October 24 – 25, 2014 The Harbert Center
Ontario, CA – Inland Empire Area October 31 – November 1, 2014 Radisson Ontario Airport
Minneapolis, MN November 1 – 2, 2014 Millenium Hotel Minneapolis