denverappraiser

A-List Appraiser
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Everything posted by denverappraiser

  1. denverappraiser

    Review of 1.60ct GIA/SI2/E round cut

    Well, the definition of I-1 includes things that affect the beauty or durability of the stone so, theoretically, no. In reality, it's more like 'it depends'. That's why SI2s are cheaper than SI1s. I've heard a rule that the prettiest flowers grow on the edge of the cliff. As Davide points out, the only real way to answer this question is by looking at it, which it sounds like you have done. Perhaps someone else can also go in with you and take a peek and, I presume, the seller has looked. FWIW, my wife's diamond is an eye clean I-1. That's the edge of the cliff. This is what's called a 'mind clean' problem. It's important, but it's not really a gemological question. If it bugs you, even in concept, move up in clarity. If you choke on the price, move down in color and/or size to compensate.
  2. denverappraiser

    Review of 1.60ct GIA/SI2/E round cut

    Davide. In 40 years of jewelry, I don't think I've ever seen a customer deliberately grease up a stone just to see what it looks like. It's not that this is an especially bad idea, but do make sure the salesperson is on board before doing this. Someone with heart trouble may be at risk. SI2 gets a bad rap on the Internet and I'm finding myself increasingly irritated when I hear people mention Rarecarat. It's not that they're necessarily wrong as much as these 'advisors' are commission salespeople who have NO additional information to impart. Sometimes the sellers don't either, but sometimes they do, and at least they're usually upfront about their position. You are much better off calling THEM to see if they have something to add.
  3. denverappraiser

    How Synthetic diamonds are made?

    The hopes and dreams of young boys and girls are collected and distilled in a secret laboratory in Russia.
  4. denverappraiser

    Review this diamond

    The secret seems to be your assumed endorsement of RareCarat and their automated pricing model. Here, for example, are a half a dozen similar offers for less, including one for what I suspect is the exact same stone. It's not much less but it nicely highlights the issue of these theoretical models. https://www.diamondreview.com/diamonds?sortOrder=carat&sortDesc=0&fShape=Rdnt&fCaratLo=1.01&fCaratHi=1.15&fColorLo=H&fColorHi=H&fClarityLo=VVS2&fClarityHi=VVS2&fCutLo=&fCutHi=poor&fDepthLo=50.0&fDepthHi=80.0&fTableLo=40.0&fTableHi=80.0&fSymLo=&fSymHi=poor&fPolLo=&fPolHi=poor&fCulLo=&fCulHi=vlarge&fFlrLo=&fFlrHi=vstrong&fPriceLo=0&fPriceHi=3740&fLabGIA=1 That said, the real heart of the question is what led to you that stone in the first place. Why H/VVS2? Why that particular stone? I see the photo in a ring. Is that what you're shopping for? The details of that may turn out to be more important than you're expecting.
  5. denverappraiser

    MY "F" color diamond was EGL and it's a GIA I Color

    I"m a big fan of independent appraisers (since I am one), but that's not really the heart of your problem at the moment. The difference between I-1/I and an otherwise similar SI-2/F is significant. More than a factor of 2. That's the issue. You will not get a GIA graded SI-2/F for the same price, even with other serious defects. Your options are going to be more money, smaller and/or lesser stone, or a refund. Remaking the ring to accommodate a different stone is going to depend on the ring design. In any case, you need to decide what you want and you need to decide fairly quickly. Some of the rules change as time passes. There's lots of EGLs and most don't have online lookups. Most are out of business. It doesn't matter. If he gave you that paper calling it SI2/F, HE is the one making that grading claim. That's good for you. Again details matter. For example, when, in the timeline of this sale, did you get that spreadsheet? Who is in possession of the stone/ring? Who sent it to GIA? When? GIA will only issue reports on stones that they physically inspect, unmounted, in either California or New York. That doesn't seem to fit the timeline above. If he can give you the GIA report number, you can look it up online. It was and still is a wonderful gift from your husband. Don't let the minutia of jewelers, labs, and appraisers spoil that. Can you put up a photo of the ring too?
  6. denverappraiser

    MY "F" color diamond was EGL and it's a GIA I Color

    You didn't mention if there was a discrepancy in the clarity or other details that concerned you. Also, are there any other issues about the ring that you are worried about? If you have problems, now is the time to bring them up rather than later after you've gone through a fight over the grading.
  7. denverappraiser

    MY "F" color diamond was EGL and it's a GIA I Color

    Details matter. Read the receipt and the store terms and conditions carefully. What does it say about grading? What does it say about returns? A few questions. Am I the appraiser that State Farm sent you to? When was this transaction? Is there a credit card company involved in this? Did you ask for a refund? Did he refuse or did you (or your husband)? With a bit effort, most but not all rings can be reworked to accommodate different stones. Most are even pretty easy. You use the word 'remade'. Is that coming from you or the jeweler? It's not clear to me what you want. A bigger compensation, a refund, a different/better stone for the agreed price, a better stone for more money, a new ring with a different stone, or something else entirely? It doesn't sound like they're disputing some sort of liability. They're just haggling over the price. The legal position here is murky and is going to depend on the above-referenced paperwork. Carefully read everything you have. Again, the fine print matters. Read it all. It has to do with how the stone was represented in writing, meaning the receipt, tags, packaging, store displays, online advertisements, appraisal reports they might have given you, etc. Everything. Liability topics can get complicated.
  8. denverappraiser

    Should I be worried about this feather/Indented natural?

    One of the difficulties of reading these lab reports is that the primary purposes for the report is to provide information for recognizing this particular stone later and to provide clues to what they saw that resulted in a particular grade. VVS1 plots, for example, ALWAYS have something on them, no matter how minute. It’s the reason for VV1 instead of IF or F. It's things that are always minute, and that wouldn’t appear on the report for any other grade. This tends to weird people out because they read on the Internet that inclusions are bad. Not to worry. A GIA-VVS2 will not have inclusions that cause a problem with either beauty or durability of the stone. You won’t be able to see them without serious magnification, and probably not even then unless you know exactly what to look for.
  9. denverappraiser

    What do you think of This Diamond (Round)

    You’re overthinking this. How about this as a set of parameters?: 0.65-0.69cts. round brilliant GIA only Xxx only. None to faint fluorescence. VS2+ H+ 30 or more days return for any reason Credit card only <US$2000 plus tax. (taxes are usually about 13% in Canada but they vary with where you are. Ask the tax people for details.) Here’s 25 of them. All ship free ‘overnight’ to Canada. All have 30-day returns. Most will pay return shipping but there are some limits and I wouldn't be surprised if Canada is one of them. Ask. All sell rings like you describe that are well within your budget. Any correctly graded VS2 will be eye clean. If it’s not, or even if you think it's not, that’s what the return option is for. None and faint will not have the dreaded haze. Most Very Strongs don't, but if it worries you it's not necessary to push the point. There are people who like to try and subdivide GIA-x to get the best of the best, and I don’t disagree with them, but this is splitting hairs and it’s not necessary if you don’t want to do it. Other than this, the chances that you will want to make a return are really pretty low. If you raise the budget to, say, $2500, the selection doubles and this is part of the reason. https://www.diamondreview.com/diamonds?sortOrder=price&sortDesc=1&fShape=Rnd&fCaratLo=0.55&fCaratHi=0.69&fColorLo=H&fColorHi=I&fClarityLo=VS1&fClarityHi=VS2&fCutLo=exc&fCutHi=exc&fDepthLo=50.0&fDepthHi=80.0&fTableLo=40.0&fTableHi=80.0&fSymLo=ideal&fSymHi=exc&fPolLo=ideal&fPolHi=exc&fCulLo=&fCulHi=vlarge&fFlrLo=none&fFlrHi=med&fPriceLo=0&fPriceHi=2462&fLabGIA=1&adv=1
  10. denverappraiser

    What do you think of This Diamond (Round)

    As Davide mentions, I don't recommend particular stones or dealers but ignoring the limits of your requirements for dealer terms and conditions, there are more than 1100 available stones on this site alone that meet your requirements. Most of these dealers don't meet your requirements but come decently close (the issue is the shipping on the Canadian return thing). Synthetics are a little harder to shop this way but the problem here is that there are too many acceptable options, not that there are too few. https://www.diamondreview.com/diamonds?sortOrder=price&amp;sortDesc=1&amp;fShape=Rnd&amp;fCaratLo=0.55&amp;fCaratHi=0.69&amp;fColorLo=H&amp;fColorHi=I&amp;fClarityLo=VS1&amp;fClarityHi=VS2&amp;fCutLo=exc&amp;fCutHi=exc&amp;fDepthLo=50.0&amp;fDepthHi=80.0&amp;fTableLo=40.0&amp;fTableHi=80.0&amp;fSymLo=ideal&amp;fSymHi=exc&amp;fPolLo=ideal&amp;fPolHi=exc&amp;fCulLo=&amp;fCulHi=vlarge&amp;fFlrLo=none&amp;fFlrHi=med&amp;fPriceLo=0&amp;fPriceHi=2462&amp;fLabGIA=1&amp;adv=1
  11. denverappraiser

    What do you think of This Diamond (Round)

    Your “don’t care” list for dealers rules out nearly everyone, especially the free return shipping from Canada requirement. Synthetics are, in general, less expensive for superficially similar goods but be aware that you have some apples vs. oranges issues going on here. You mention cut grading, which is a biggie. They don’t all use the same scales even as they use some of the same words. One person’s idea of very good can easily be someone else’s idea of super-ideal. These standards vary dramatically from one grading company to the next. The same actually applies to clarity and color as well because the growers generally use different labs from the miners. There is NOT a direct translation. H/VS1 does not mean the same thing in all circumstances and from all sources. Canadian taxes are, of course, up to Her Majesty. VAT can be included in the price or added at the border, but taxes are not up to the merchant. It’s simple enough math to separate it if you want but it doesn’t change what you owe. I second Davide's nervousness about the vault manager, although it's a cool name. There are no humans at BN who look at diamonds. The bright side is that the much-maligned haze that you read about online is very rare and basically unheard of on stones with below medium fluorescence, which is most. Avoiding that is pretty easy by simply avoiding strong and above fluorescence. (note: I think fluorescence is pretty cool and it tends to drive down prices because of the advice I just gave you. Strong-blue stones mostly don't show hazy either but people avoid them. If you don't mind shopping close to the edge of the cliff, this is one of the places to look for 'deals'). All other things being equal, synthetics are generally a bit less expensive. If a natural stone isn't a feature for you and/or your bride, and low prices are, go with a lab stone. Some people have strong opinions on this so do make sure you're firm on her disinterest in origin. There's a savings here but it's not as big as people usually expect.
  12. denverappraiser

    Thoughts on these RB?

    If you think the missing HCA score will be useful to you (I have my doubts), you can calculate it yourself for free at https://www.pricescope.com/tools/hca/ Given that we're missing most of what people count as important in a diamond purchase, or even if these are diamonds or a purchase, I don't have much else to add.
  13. denverappraiser

    Need help with diamond earrings

    FWIW, if the price is your hot button rather than total weight, you will find dropping the weights to below 0.70cts each will be significant.
  14. An insurance policy is not an agreement to buy a stone from you at a particular price or to pay that price in the case of loss or destruction. They are agreeing to a MAXIMUM limit of liability, not an expected limit. As mentioned above, usually the issue is that they will replace or repair the item with another of 'like kind and quality' or words to that effect. As mentioned, the JA trade-in program is a contractual relationship with that particular company. Do not expect another jeweler to accept it as a trade-in for the same offer. That's ok, JA is a good outfit, but these offers are about the company, not so much the diamond.
  15. denverappraiser

    Engagement Ring Help Please! Marquise cut

    It's possible. There are quite a few variables here, not the least of which is the accuracy of those measurements but also things like the girdle thickness and shape of the pavilion. If you can arrange it, by the way, get it checked out by a real appraiser, not a competitive jeweler. There are some significant conflicts of interest at play here. Is there any paperwork, like a lab report, on that stone? The jeweler almost certainly would have provided it if they had one but your fiance may not have understood it's importance, even in a blind purchase like you describe. That will list the weight and even bad labs are reliable on this point. The same holds for dimensions. Accurately measuring to 1/100 of a millimeter takes decent and calibrated equipment. Labs will have this. Diligent appraisers will have it. Most jewelry stores don't. Where are you?
  16. denverappraiser

    Hello, Questions about a ring

    Value can be a complicated question and it really requires both a physical inspection of the piece and a conversation with you. If you can tell me where you are, I"ll be happy to try and recommend an appraiser nearby. This is a somewhat different question from the typical 'replacement new retail' type of appraisal and I recommend a pro rather than just someone who works in a jewelry store. As mentioned above, this is NOT an 1860's piece although that would be a really fun find.
  17. denverappraiser

    Diamond ring for sale

    There's a section of this very site where you can post your advertising. Free. I've written on this topic quite a bit and at length. I'm not entirely sure if I"m allowed to link to this but here's a brief tutorial from my own site on the topic. https://americangemregistry.com/tips-for-selling-diamonds/
  18. denverappraiser

    Costco

    I'm pretty loyal to Costco for a lot of things. They are, without a doubt, the #1 place I shop. A 1.71/VS1/F/GIA/cushion for $14,700 is pretty price aggressive, even without the ring, but the devil is always in the details. Reread Davide's post above about selection. The right price on the wrong thing is no bargain and it's important to be certain that what you want is what they happen to have. There's quite a bit of money on the table, advice is non-existent, and the much-lauded Costco return policy is specifically different with jewelry. If you size it or reset it, there are no returns at all, and even if you don't it'll get you jewelry department credit memo only. https://customerservice.costco.com/app/answers/detail/a_id/1191
  19. denverappraiser

    Loose diamonds value and usage ?

    1g +/- 0.1g. For some applications that's accurate. For diamonds, not so much. 60=0.6g is about 0.05cts. each. (1g = 5cts) Again, this is a market problem more than a value problem. Most pawn shops won't buy them at all for example. They get some anyway as part of their scrapping business and they SELL the melee they pull out of the assorted things that they buy for the gold content for about $40/ct. to jewelers who use them in repairs. Whether you can get that, more, or less, has more to do with you than it does with the merchandise. In general, pawn people are pretty savvy folks. As mentioned above, this is not an easy sale to make.
  20. denverappraiser

    Loose diamonds value and usage ?

    5 carats equals 1 gram, so 0.1 grams is half a carat. That's a pretty big margin for error but if you weigh them ALL and divide you'll have a decent number. If you're friends with someone in a jewelry store or a pawn shop that has a better scale, you might want to pay them a visit.
  21. denverappraiser

    Loose diamonds value and usage ?

    It doesn't get used often and I doubt it works all that well but there is a forum on this site for private parties selling things. It's hard to beat the price (it's free). You might try that. Craigslist is fast and easy. Loupetroop.com is a place to advertise jewelry type things, also for free. They all have similar sorts of issues to ebay but they are slightly different in flavor. I would not recommend trying to manufacture something with a plan to sell THAT unless you are in the jewelry business already. That's a way to throw good money after bad unless you're skilled at selling things and already have a marketplace. Selling jewelry is a lot harder than it looks.
  22. denverappraiser

    Loose diamonds value and usage ?

    Scales are cheap and easy to buy if you don't have one. They're even kind of a useful thing to have in any case. That's a much better way to get the weight than by estimating the diameter. Almost always these things are sold by weight.
  23. denverappraiser

    Loose diamonds value and usage ?

    I"m an appraiser, so I'm not inclined to say that appraisals are, by definition, BS. Mine are not for example. But even with those, if they're answering the wrong question or a question that doesn't apply, they can be irrelevant (and some are BS).
  24. denverappraiser

    Loose diamonds value and usage ?

    If the 3.0mm measurement is to be believed, yes. Tiny differences matter. 2.50mm, for example, is about 0.05cts. Half the size.
  25. denverappraiser

    Loose diamonds value and usage ?

    As you point out, ebay is problematic at best. Much of the problem is that SO many of the sellers are liars. They don’t know what they have, they don’t know what the value characteristics are, and they occasionally are just crooks outright. The result is that I don’t know a single serious jeweler who would buy a parcel of melee (small diamonds) off of ebay at pretty much any price. It just doesn’t matter. $50/carat? Forget it. It’s not worth the risks. The result is you are left selling to idiots who don’t know any better or you are selling so cheaply that none of it really matters. That’s a tough market to say the least. Another general ebay note: Asking $100 apiece isn't the same as getting it. If you're going to use ebay for comps, be sure to use only completed auctions and to even do that carefully. It's easy to be misled. Pay attention to the details. Be wary of ‘appraisal letters’, even if they're for the correct item (which it sounds like these are not). They're normally describing what an item would be reasonably expected to cost to replace at retail, new, locally. They may or may not answer that question correctly, and that may or may not be the question they're answering at all, but it doesn’t sound like it applies to your situation in any case. They might not even be relevant for those items. It’s like valuing your car based on the idea that Honda sells new ones for $30,000. Maybe so, but what does that have to do with yours? If you're going to rely on an appraisal report, read the whole report, not just the value conclusion. The usual strategy here is to use them to make something you or someone else actually wants. They're not really much of a financial asset but a lot of things use little diamonds as a component and if you have to buy them in small quantity 'retail new locally', they can be sort of expensive.