Life Events

Life events pose a unique challenge because each is a new or infrequent occurrence for which many people have little or no prior experience.

An engagement is no exception to this rule.

When planning your engagement, a little dose of commonsense advice can help

Here is our advice on this topic.
/ Marriage / Engagement /

Engagement and Wedding Rings
Buying an engagement ring is often the first big step for a couple planning to be married. Sometimes the presentation of the ring is part of a proposal, but many couples prefer to pick out a ring together. Although a diamond is the traditional choice for an engagement ring, any precious or semi-precious stone is appropriate. An antique or heirloom ring is always a wonderful choice. If the bride has a treasured stone from her family, the groom can have it reset in a new ring.

If you are buying a ring, make sure you use a reliable jeweler who can help you select the perfect ring for your budget. There are four things to consider when purchasing a diamond: caret weight, color, clarity of the stone and the way the stone is cut. Popular styles of cut include brilliant, pear, oval, marquis, and emerald. All four aspects (called the four "c's") affect the price of the ring.

While you are looking at engagement rings, consider what style wedding ring you want. Some rings are sold as sets so that they will fit comfortably together, but it is not necessary to buy them this way. Just make sure the two rings look and feel good on one finger. Couples often choose matching wedding rings if a double ring ceremony is planned, but there is no need for this either. Wedding bands can be set with precious stones. These are often a good choice when the couple decides not to buy an engagement ring. Most wedding rings are engraved with the couples' initials and the date of the wedding on the inside. Make sure you allow enough time for the engraving to be done prior to the ceremony.

For many couples, their rings are their single most valuable and easily lost possessions, so make an effort to protect and insure them.

Begin by getting an appraisal certifying the value of an engagement ring when you buy it. Don't just assume your household policy will be enough -- make sure you have a clear understanding of your coverage. If the ring is particularly valuable, you may need special coverage to insure against its loss.
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