Broke-Ass Category: Guest Bloggers

Archive Page 2

12/29

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.

Mellzah
  • 12/5

    The Holidays vs. Your Wedding

    Two weeks before Thanksgiving, I found out that the current number of Mrs. Coopersmiths would soon be increased by one  — my husband’s little brother got engaged. Yay! But then I looked at the calendar again and frowned. Two weeks before Thanksgiving. Seven weeks before New Years.

    Here we go.

    The best part of the Holiday season is the number of chances you’ll have to spend time with your  family and friends. And  if you ever lacked attention from any of them, you are definitely going to get it now that you’re engaged:

    “Oh my God, congratulations! When are you getting married??”

    “You got engaged last Saturday? Did you find a dress, yet?”

    “How many guests are you having?”

    “My wedding was so stressful. If I had to do it all over again, I’d elope.”

    “What are your colors? Do you have a Pinterest board?”

    “Where are you getting married? All the good places book up fast, so you need to start looking now.”

    Umm ...

    Don’t get me wrong, everyone is really happy and excited for you, and you need to remember that once you start contemplating murder. But, all of a sudden, they’re heavily invested in your wedding day, offering a stream of unsolicited advice, unsolicited opinions and a ton of questions that you don’t have any response to right now.  You’re still startled every time your new shiny new ring slides into your peripheral vision, now you’re feeling insecure about how you’re going to pull this all off, anyway, especially since  all the questions make it obvious that you don’t know what you’re doing, right?  Weddings cost how much? And how do you start looking for a wedding venue that’s not even going to be available when you find it?

    Get it done and why haven’t you found it and what are you waiting for and NOW. And there’s that pressure even if you’ve been planning for a while, too.  That one question that will be asked over and over — “How’s the wedding going?” — can be a killer. Well, how is it going?, you ask yourself, thinking about the open checklist boxes, the invitations you’re still trying to choose, the bridesmaid dresses that came in the wrong color, the DJ you haven’t booked … yet. Not so great, you’re thinking as you reply while smiling bravely, “We’re working on it.”

    Another deep breath. The season of peace, love and joy starts with you, so give yourself a break, first of all! You don’t have to know all the answers right now, you don’t have to accomplish all the things before your Mom’s annual Yuletide bash.  What you do need to do is give yourself credit for everything you’ve already done, even if that’s just finding the person you wanna hang out with for the rest of your life. Enjoy it. Bask, even. When you’re asked about the wheres and the whens and the whys? Shake your head, smile, and repeat after me, “We haven’t decided any of that, we’re going to talk about it next month.” Full stop.  And if you’re not so new and a wedding check-up is requested, list everything you’ve already finished (because you are a Rock Star), and the one (choose ONE) thing you want to check off before the end of the year. If they ask about anything else, shrug and repeat after me, “Yeah, we’ll get that done after the holidays.” Because you will.

    So, how are the holidays going so far? Any crazy questions or unreasonable expectations from your nearest and dearest? Let me know in the comments below! And if you’d like to find out more about me and my little part of Wedding World, visit www.silvercharmevents.com.

    See you at the end of the aisle,

    Liz
    Liz
  • 11/26

    Confession: I suck at writing thank you notes. It wasn't something that was a thing, really, as I was growing up -- I suspect my mother wrote them for me. Though, admittedly, this is NO excuse for not extending appreciation for someone else's graciousness. I've recently been trying to change my stubborn ol' ways (30 does that to you, y'all) and I found that if…

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    9/19

    Image courtesy of Larry Donoso Dear Heather, Is, "where the heck do we even start?" a sufficient question? Jessica Dear Jessica, Absolutely! I suggest starting with the trifecta of guest list, venue, and budget, as all of them directly impact the other in non-negotiable ways. The absolute first thing I recommend doing is making an all-inclusive, "if we get to invite absolutely everyone we want,"…

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    9/18

    Have you guys heard of PopShop? Well, it's a really cool little design fair where you can browse around for arts and crafts and other goods, as well as get your mitts dirty with a little DIY craftiness of your own. This weekend, PopShop Houston is hosting a Handmade Weddings event, where you can get down with some rad crafts with a wedding-y slant, find other…

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    9/15

    From Bridget & Steve's Intimate, Beautiful Palm Springs Wedding. Credit: EPLove I talk to a lot of brides every week, as you can imagine. I’ve watched a lot of you exhibit two very disturbing emotions when it comes to your weddings: Fear and Shame. It’s in the way it takes me at least a couple of tries to find out how much your budget is.…

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    8/22

    Image courtesy of Photo Pink Dear Heather, I refuse to spend big bucks on flowers. What else could I use? Brittany Dear Brittany, The possibilities are endless, and I love non-floral decor. I even have a tag on my business blog dedicated to this very topic. Because I have faith in your ability to Google for images, I'm only going to include a handful of…

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    8/19

    BABs, I'm so excited about how rockin' the DIY or DIE projects have been lately, and today is certainly no exception. Nodlaigh, aka Daydreaming Bride, is in da hizzy to show us how to make super easy (and cheap!) personalized bunting. Guys, this could work for anything from your engagement party to wedding decor to a banner for a thank-you card photo to general home…

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    8/15

    Guys, I'm interrupting your regularly scheduled Five for Friday because our friends over at Happily are stirring up some major awesomeness re: wedding planning. And they've been doing some pretty baller giveaways, but today's is by far the mostest bestest. I'mma let them explain, but first, there's this: You good? Good. OK, now we're going to let them tell you allllllll about the fluffy goodness that's in…

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