Category: diamonds

Insuring Your Diamonds

Insuring a diamond takes a bit of thought,
planning, and shopping around. Diamond
insurance isnt like purchasing car insurance.
It is quite different. Depending on the state
that you live in, there are basically three
different types of policies that will cover
diamonds, and all insurance policies that
cover diamonds are considered Marine
type policies.

The first type of insurance policies for
diamonds is an Actual Cash Value policy.
If the diamond is lost or damaged beyond
repair, the insurance company will replace
the diamond at todays market value, no
matter how much you paid for the diamond
to begin with. This type of insurance policy
for diamonds actually is not that common.

The most common type of insurance for
diamonds is Replacement Value insurance.
The insurance company will only pay up to a
fixed amount to replace the diamond that was
lost or damaged beyond repair. This does not
mean that they will pay that amount it means
that they will pay up to that amount. In most
cases, the diamond can be replaced at a
lower cost.

The third type of coverage offered for
diamonds is Agreed Value. This is
sometimes called Valued At. This type of
coverage is very rare. In the event that the
diamond is lost or damaged beyond repair,
the insurance company simply pays you the
amount that you and the company agreed
upon. This is the best type of insurance to
have, but it is rarely offered. If you cant get
Agreed Value coverage, Actual Cash Value
coverage should be your next choice.

Your rates will be determined by the value of
the diamond, the type of coverage that you
select, and the area that you live in. If you live
in an area with a high crime rate, you can
expect to pay more for your diamond
insurance coverage. It is important to
remember that insurance agents are not
qualified jewelers, and jewelers are not
qualified insurance agents. It is best to get
a certificate for your diamond, and to
provide the insurance company with a copy
of that certificate. This leaves the insurance
company less room for arguments over the
actual value of the diamond.

Dont rely on separate coverage to cover
your diamond. For instance, if you diamond
is stolen from your home, it is probably
covered on your home owners insurance
policy but the diamond probably wont
always be in your home, and once it leaves
your home, there is no coverage.

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How to Sell A Diamond

There are many reasons why you may want
to sell a diamond that you own. Perhaps
youve gotten divorced, or you are strapped
for cash. The reasons why dont really matter
getting the best possible price is what
counts! The way to obtain the best price
for the diamond is to not be in a rush. Slow
down, and carefully consider all of your
options there are many.

First, have the diamond appraised. In fact,
have it appraised by two or three jewelers to
get an accurate idea of the diamonds value.
Tell the appraiser that you want the Rapaport
Value. This is the wholesale value of the
diamond, and it basically tells you the highest
price that you can sell your diamond for. If your
diamond has no certificate, you should
consider getting a certificate from GIA. This
may help you get a better price for the
diamond as well.

First, try to sell the diamond yourself, to
people you know. Friends and family
members may be interested. If you dont have
any luck with friends or family members, you
should turn to outside sources. Absolutely
avoid pawn shops! A pawn shop will only offer
you about 10% of what the diamond is worth!
Also avoid offers of selling the ring on
consignment. There are many things that
can go wrong, and there is no shortage of
diamond scams even in well known
jewelry stores.

If the diamond is important, you should
strongly consider auctioning it off through
one of the famous auction houses, such as
Christies or Sothebys. If it isnt what is
considered an important diamond or a
high-end diamond, you should try to sell it
to an individual using classified ads, or even
eBay. However, selling to an individual that
you do not know could put you in danger
especially if the diamond is worth a lot of
money.

Your final option should be a jewelry store. It
is vital that you not let your diamond out of
your sight while in the jewelry store you
might find that the diamond you walked in
with is not the same diamond that you walk
out with! The jeweler will try to tell you that
your diamond is of poor quality or low
weight. Inevitably, there will be some
problem with the diamond. This is where
your appraisal and/or certificate will come
in handy.

If the jeweler is fair, they will offer you
between 60% and 80% of the value of the
Rapaport Value. Do not accept anything less
than this. Again, do not let the diamond out of
your sight until you have been paid for it.

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10 Fluorescence

We’re all familiar with the 4Cs of diamonds – cut, color, clarity and carat weight. But diamonds also possess a quality called fluorescence that’s part of the evaluation and assessment of a diamond. It’s actually called photo-luminescence and it’s caused by small amounts of the chemical boron in the diamond. It’s activated by UV light.

It’s graded by how much blue there is in the diamond – None, Faint, Medium, Medium blue, Strong, Strong Blue and Intense Blue. At one time, this was a highly-prized quality in a diamond and the demand for a blue-white diamond was high. The blue indicated the fluorescence of the diamond, while white was a reference to the overall color of the body of the stone. This has decreased over time as consumer preference shifted towards the more colorless stones.

The tide of public preference may be shifting back to the blue-white diamond, but you want to be sure, when buying a diamond, that you examine it under a variety of conditions, such as sunlight and fluorescent light, as well as a jeweler’s black light. Some diamonds with a fluorescent quality can become hazy in daylight or even glow out on the dance floor!

Colorless diamonds have become increasingly rare and expensive. The color grades of D (flawless) to G are going to be hard to come by at a reasonable price. If you’re buying a diamond with a color grade of H or higher, some fluorescence may actually be a good attribute for it and increase your stone’s value and attractiveness, as the blue fluorescence can offset any other gradations in the stone, such as a yellowish tone.

Although some diamonds have a yellow or orange fluorescence, most reputable jewelers will recommend against a diamond with this quality, unless you’re buying a colored diamond in the same hue, as a similar fluorescence will enhance and intensify that color.

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38 Sri Lanka One of the worlds most beautiful and exotic islands, Sri Lanka, (formerly Ceylon) lies just below the southern tip of India. This pear-shaped bit of tropical paradise, about the size of Sicily, is a tourists delight offering British teahouses, rubber plantations, and gem mines. Marco Polo wrote of his visit in 1292: I want you to understand that the island of Ceylon is, for its size, the finest island in the world, and from its streams comes rubies, sapphires, topazes, amethyst and garnet. Little has changed since Marco Polos time except that Sri Lanka faces overpopulation and a faltering economy. Its gemstones, however, seem to occur in endless supply. Known as the Jewel Box of the Indian Ocean, Sri Lanka, like possibly no other locality on earth, has yielded precious stones and fine gems in a great profusion of gem species and varieties. The island was known in the ancient world as Taprobane (copper colored in Greek). Native Veddahs, bathing in smooth flowing streams, noticed colored pebbles scattered in sandy bottoms. It was not until 500 B.C. that conquering Buddhists from northern India also discovered gems in the rivers and began to set rough stones into crude jewelry. They bartered stones with traders from abroad and eventually the treasures found their way to the marketplaces of Asia and Europe. Ancient Greek and Chinese historians referred to the beautiful gems of Ceylon, and King Solomon reportedly wooed the Queen of Sheba with Ceylonese precious stones. The crown jewels of royalty all over the world contain extraordinary spinels, sapphires, and zircons mined from Sri Lanka streams. The Imperial Treasury of the Soviet Union houses a 400-carat red spinel of great beauty which was once given to Catherine the Great. The British Imperial Crown features a giant oval-cut spinel (previously supposed to be a ruby), known as the Black Prince. Crowns in the Green Vaults of Dresden are covered with sapphires from Sri Lanka.  % ' o r s kl hI- h'yT0J hn0Jh'yT0JB*
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What Are Dirty Diamonds?

A dirty diamond is one of two things: a rough
diamond, or a diamond that hasnt been
cleaned in a while. Rough diamonds are
uncut and unpolished hence, they are dirty.
But that type of dirty diamond will soon be
cut and polished and sitting in a beautiful
jewel box in a display case. Then someone
will purchase it, and before long, it will
become a dirty diamond once again.

Diamonds become dirty. When you wash
your hands with a diamond ring on, soap
scum clings to it. When you put on hand
lotion, it gets grease on it. Shower with your
diamond earrings or necklace, and again,
you get soap scum. In one short day, your
brand new diamond could be dirty!

Purchase an ultrasonic jewelry cleaner the
same day that you purchase your diamond
jewelry, and use it every single day, without
fail. The clarity of the diamond changes
when the diamond is dirty it loses its
sparkle. By taking one minute each day to
clean your diamond jewelry, you can avoid
this, and your diamonds will never be dirty!

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