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I found the diamond I like... but it is not certified. HELP me ASAP?

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mymulan

Rough_Rock
Joined
Mar 25, 2005
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Hi All,

This is my first topic. I''ve enjoyed reading the forum and it has provided me with great facts and given me a few laughs... haha

Anyway, I''m torn. I know everyone says not to buy an uncerted stone but here''s my story. Hopefully, you can empathize (not really a sad event. :) )

I found this LOVELY diamond that I really really want. It is a 2.66 RB cut H&A H color VS1. Of course, the dealer says it is a F-G color and VS1 but I know better than that. :) I know that the Federal Trade Commission allows them to quote it one grade higher than it actually is.

1.) I placed the diamond on a piece of white paper (folded..they actually provided this to me) and I can see a very slight yellow tint to it. I compared it with a few of their diamonds and I believe it is an H color. Not very yellow. You have to look closely to see the yellow tint.

2.) I viewed the diamond under a H&A gemscope. The hearts and arrows are perfect!! All eight arrows and eight hearts are very clear, sharp, and each one is the same size as far as I can see. There is no split in the cleft of the hearts too. It is sooooo beautiful.

3.) I know that not all H&A are triple ideal/ideal cut, but the sparkle is INCREDIBLE!!! I walked out of the jewelry store and it still shines like crazy. I''ve never seen anything like it. At this point, the specs, numbers don''t matter to me anymore. The diamond just talks.

4.) Under a 10x loupe, I cannot see any inclusion at all. I was basically looking for it really hard and cannot find any. So I am assuming it is a VS1 or VS2 stone.

5.) Culet is pointed, overall crown height and pavillion height looks symmetrical. Not shallow, not deep. Looks good to my eyes.

6.) Face up, the diamond loooks sooooo white. I also checked flouresence under one of those lights and don''t detect any. I compared it to one that has flouresence.

7.) The best thing is.....the price. Get this. It is ONLY $18,000.00 for a 2.66 carat RB!!! and I have not bargained yet.

8.) The ring is the real thing. It is a diamond and not CZ. Can''t see letters when I put the diamond face down on my business card, very slight yellow tint...not as heavy...etc..

The only con is that it is NOT certified and there is no refund (asian/vietnamese jewelry store at Westminster, CA. Non-refundable is common practive and widely accepted in asian culture). I asked if they are willing to send it to get certified. They said, they are willing to send it to EGL to get certified. I pay for the cert fee which they quoted me for $400.

If the diamond comes back lower than expected, I would still want to get it UNLESS on three conditions.

a.) It is clarity enhanced (which they say is NOT)
b.) It is laser drilled (which they say is NOT)
c.) It is bleached (which they say is NOT)

I have three questions:

1a.) Why is this so cheap? Does is sound too fishy? What''s wrong with this picture?
2a.) Will an EGL certification tell me that it is clarity enhanced or laser drilled? If not, I do not want to pay for $400 to get it certified. I am not looking for an investment. Just a nice e-ring that I will L O V E. :)
3a.) Does the Federal Trade Commision require jewelers to disclose laser drilling, clarity enhancements and bleaching?


I do not really care about the diamond specs since it looks so perfect to me. I just want to know what I should watch out for?

If I can get them to write in their appraisal, or receipt that the diamond is not clarity enhanced, laser drilled, or bleached, is that enough to cover me?


Please help. Also, they don''t seem to be willing to send it to GIA. I thik they''d probably grade it much lower....yet, they instantly agreed on EGL....why do you think? is there something else I should know?

--thank you,

mymulan
 
mymulan

NO WAY,not a chance!!! , not for $18,000,something SMELLS here
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.a 2.66 ct H VS2 H&A cut with a GIA or AGS cert would easily sell for $28,000 in today''s market. ask yourself this question ,if the stone was a no problem stone, why isn''t the stone certified?
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tell him you would paid the fee to have it certified by GIA or AGS lab.you think this jeweler would give away $10k ? you should never spend that kind of money on a non cert stone.that''s the kind of stone i''m looking for,if that''s what it is....but i don''t believe in the tooth fairy.
 
Lucky you !

EGL will indicate any treatment (HPHT, drilling... what not). Just ask a full cert (see the lab's website - there are several types of reports they issue). And... there's nothing missing from a great deal, as far as I can imagine.

Not sure it costs $400 to have it certified, but given the initial quote, it is worth it anyway.
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From your description, this could still be a lucky I-SI1 - but even with those grades the price is still good given the cut quality you describe.

Well, just my opinion anyway.
 
Date: 3/26/2005 2:58:47 AM
Author: Dancing Fire
mymulan

.you think this jeweler would give away $10k ?
It may not be that much to give away. We still do not know if this is "H-VS". It may well be that it is not. Also, this is not marketed as H&A and once the premium is shaved off, the price difference is not as stryking anymore.

Given the description, I would say color is lower (not that this changes the diamond - it just makes the price more credible: a good thing).

If they agreed to send the diamond to a lab, it can''t be that bad. I would definitely ask for the lab report and go forth. Perhaps ask them to restate the grading so that the stone might not return two grades off.
 
I asked the jeweler that same question.

"why don''t you certify your stone so that you can sell it for more?"

His responses were this.

1.) His customers usually like a great deal and since 99% of his customers are asians, they are less concerned with certification but rather on how much it cost. (again very typical of asian culture unless they are super rich. :) I kind of smiled at this because I can understand. The mentality is, if we can pay less for something that looks as good, why not? Unless of course, it clearly shows the word "Tiffany" on the diamond. hehe :)

2.) He said that less of his customers view buying diamonds as investments, more for show. Thus the lack of need for a certification if price is right. Seriously, if a jeweler were to show me 2 stones that are almost alike and in size, shape, clarity to the naked eye, but one is uncert and the other has a cert but is $4k more, I''d probably be leaning towards buying the uncert one. (like what I''m doing now) Am I alone in this?

3.) The biggest reason of all is that he says he likes the faster sell. He says he loses money when a diamond is sitting in his store for too long and that premium he would usually add to the diamond. Plus it takes time and money up front to get it certified. He doesn''t stock too many stones since his specialty is more on set jewelries that are cheaper and sells quicker. He mostly orders big diamonds on customer''s request. I actually went to see him 3 weeks ago telling him what I was looking for. He called me yesterday telling me that he got a few stones in for me to look at (within my size and color range). He sends the stone back this weekend if I have no interest. Actually, I visited quite a few jewelers and he was one of the 2 who called back in response to my request. The rest probably thought I wasn''t serious.


He''s not pushy but he frowned when I asked if he can send it to GIA after he offered EGL. I think I sort of indirectly implied that I don''t trust him... hehe


Also... you guys are going to kill me... there is another stone he showed me that caught my eye.... it is a 3.06 carat and he says it is VVS1 (which means it is true VS1 or VS2..I really can''t see a spot), perfect crisp arrow pattern but deeper cleft on all the matching hearts. Brilliance and fire matches the other 2.66 carat stone, actually it looks more on fire because I think it is bigger. However, the catch is that it is a grade yellow-er. Face up, both diamonds looks equally as white maybe because of its great cut and slight Flouresence in the bigger stone. Do you want to know the price for the 3.06 carat stone?.... you won''t believe it.... $21,000

I almost wanted a pendant....but I''d really be blinged out.

--JLO?
 
Date: 3/26/2005 3
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9:58 AM
Author: valeria101

Date: 3/26/2005 2:58:47 AM
Author: Dancing Fire
mymulan

.you think this jeweler would give away $10k ?
It may not be that much to give away. We still do not know if this is ''H-VS''. It may well be that it is not. Also, this is not marketed as H&A and once the premium is shaved off, the price difference is not as stryking anymore.

Given the description, I would say color is lower (not that this changes the diamond - it just makes the price more credible: a good thing).

If they agreed to send the diamond to a lab, it can''t be that bad. I would definitely ask for the lab report and go forth. Perhaps ask them to restate the grading so that the stone might not return two grades off.
Ana
last yr i returned a AGS 0 cut H vs2 2.53 ct because it wasn''t a H&A ,the vendor was asking $19,750 for the stone and that was 18% back of rap in last yrs market.mymulan think he/she can buy it for under $18,000 because he/she havan''t even bargain yet.let''s say the vendor is willing to take 17k for the stone right now, if i was mymulan i would ask the vendor to send it to AGS lab,if it comes back H vs 0 cut i would offer the vendor $18,500 for the stone and it would still be a bargain in todays market.
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of course i still would take it to an independent appraiser for verification.
 
Date: 3/26/2005 4:35:36 AM
Author: Dancing Fire
Ana

if it comes back H vs 0 cut i would offer the vendor $18,500 for the stone and it would still be a bargain
I don''t think this is H VS or AGS0... but it should be good looking (white & clean) with persuasive optical symmetry (already seen). With EGL''s nod on grades and lack of enhancement... it sounds good to the non-perfectionist-lab-hater me
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Of course the price would be too good for the super-labeled H&A, AGS0, shot-in-the-moon
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but that''s another market, as far as I understand.
 
Also, I forgot to mention that I''m quite color sensitive when it comes to diamonds though I am not even close to being an expert. My studs are certified G and compared to the 2.66 carat RB, the color difference is very very slight. That is why I think it is an H. I have seen a certified I color last week and remember how easy it was to see the yellow hue.

The jeweler says it is F color, VS1.... but I''m sure he saw me roll my eyes... with a smile though.

I will ask him to send it to EGL. If it turns out it is a bad diamond, all I''ve lost is $400, right?

Tomorrow, I am going to another Jeweler who carries a lot of GIA cert diamonds though he has only 1 diamond that is an H&A cut. I''m going to see how much I can get for a GIA cert diamond. 2.00 carat G VS1 maybe??

There are good and bad dilemmas and I think this is definitely good!!!

Keep the feedbacks coming, ok?
 
Thanks Ana and Valeria. Appreciate your comments. I''ll throw that idea to him....see what he says..heh

--sally (girl)
 
Date: 3/26/2005 4:32:20 AM
Author: mymulan

[...]

Seriously, if a jeweler were to show me 2 stones that are almost alike and in size, shape, clarity to the naked eye, but one is uncert and the other has a cert but is $4k more, I'd probably be leaning towards buying the uncert one. (like what I'm doing now) Am I alone in this?

No, you are not alone.
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3.) The biggest reason of all is that he says he likes the faster sell.

Sort of makes sense. I still think the official grades of the stone should explain the price better. The nice cut you describe keeps this one desirable: even if my I-SI1 guess turns up from GIA (or... perhaps H-SI1 or H-VS2 from EGL).

He's not pushy but he frowned when I asked if he can send it to GIA after he offered EGL. I think I sort of indirectly implied that I don't trust him... hehe

... one more reason to actually ask for the cert, IMO



Also... you guys are going to kill me... there is another stone he showed me that caught my eye.... it is a 3.06 carat and he says it is VVS1 (which means it is true VS1 or VS2.
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.I really can't see a spot), perfect crisp arrow pattern but deeper cleft on all the matching hearts. $21,000

Sounds just as good & ripe for a trip to the lab for that $400 "trust fee"
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Sure you know I am no better "expert" than you. And you have the HUGE advantage of having seen these stones. Your story sounds like good ol' clean bargaining to me. Since there these labs exist and their word determines prices, I would have either stone certified to the full ability of EGL before purchase, and make sure the price stays good.

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As it happens, the quote for the first stone is still ok for GIA's I-SI1 (and this is where my mention of those grades comes from) and. According to Pricescope's listings, the second quote sounds good for anything upwards of GIA's J/VS2. I would agree with the seller to make the purchase conditional on the stones returning from EGL with "at least XX grades (some reasonable set of grades of your choosing)".

Since both you and the seller seem to know that the other party knows that... well, what you see and what the labs' see might not be the same, why no go forth with these guys. If you feel confortable bargaining and adjusting expectations like this, why not. As far as I can tell, good for you
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I have yet to see a AGS000 triple ideal cut.... I wonder if you would need shades.... these were already on the "squint" category.

I highly doubt these are AGS 0 since there is no way it would be at that price...but gosh, the cut of the diamond is not to be ignored!! I''d be happy with an H-VS2 EGL cert..heh
 
Date: 3/26/2005 5:8:28 AM
Author: mymulan

I highly doubt these are AGS 0 since there is no way it would be at that price...but gosh, the cut of the diamond is not to be ignored!!
Th shop had H&A viewer, no ? Your description sounds like the stones had good optical symmetry (= orderly pattern of color patches - H&A or not through the viewer). The H&A viewer is not very useful at telling light return (like the IdealSCope) although I kind of remember someone found a way to "adapt" it for such use... the story must be burried in a very old thread somewhere.

Aside these two (optic symmetry and light return) plus size for $ and durability.... what more is left for cut quality to tell ?
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It doesn''t sound like either of the cherrys might turn out to have unusual proportions prone to fast wear & tear (brittle girdle, too steep or too flat crown...). Anyway, unlike GIA, EGL reports proportions and that should help pin down the last detail with practical accuracy.
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Hope some of the ranting helps.

I am no expert...
 
Date: 3/26/2005 4:32:20 AM
Author: mymulan
I asked the jeweler that same question.

'why don't you certify your stone so that you can sell it for more?'

His responses were this.

1.) His customers usually like a great deal and since 99% of his customers are asians, they are less concerned with certification but rather on how much it cost. (again very typical of asian culture unless they are super rich. :) I kind of smiled at this because I can understand. The mentality is, if we can pay less for something that looks as good, why not? Unless of course, it clearly shows the word 'Tiffany' on the diamond. hehe :)

2.) He said that less of his customers view buying diamonds as investments, more for show. Thus the lack of need for a certification if price is right. Seriously, if a jeweler were to show me 2 stones that are almost alike and in size, shape, clarity to the naked eye, but one is uncert and the other has a cert but is $4k more, I'd probably be leaning towards buying the uncert one. (like what I'm doing now) Am I alone in this?

3.) The biggest reason of all is that he says he likes the faster sell. He says he loses money when a diamond is sitting in his store for too long and that premium he would usually add to the diamond. Plus it takes time and money up front to get it certified. He doesn't stock too many stones since his specialty is more on set jewelries that are cheaper and sells quicker. He mostly orders big diamonds on customer's request. I actually went to see him 3 weeks ago telling him what I was looking for. He called me yesterday telling me that he got a few stones in for me to look at (within my size and color range). He sends the stone back this weekend if I have no interest. Actually, I visited quite a few jewelers and he was one of the 2 who called back in response to my request. The rest probably thought I wasn't serious.


He's not pushy but he frowned when I asked if he can send it to GIA after he offered EGL. I think I sort of indirectly implied that I don't trust him... hehe


Also... you guys are going to kill me... there is another stone he showed me that caught my eye.... it is a 3.06 carat and he says it is VVS1 (which means it is true VS1 or VS2..I really can't see a spot), perfect crisp arrow pattern but deeper cleft on all the matching hearts. Brilliance and fire matches the other 2.66 carat stone, actually it looks more on fire because I think it is bigger. However, the catch is that it is a grade yellow-er. Face up, both diamonds looks equally as white maybe because of its great cut and slight Flouresence in the bigger stone. Do you want to know the price for the 3.06 carat stone?.... you won't believe it.... $21,000

I almost wanted a pendant....but I'd really be blinged out.

--JLO?
mymulan
i'm chinese,i know what you're thinking ,i'm telling you ,you're asking for trouble,there's no santa claus in the diamond business.if you're considering buying a non cert stone at least get a return policy in writing and take it to an independent appraiser.i'll tell you how to stop all this B.S.,tell the vendor you would offer him more than his asking price if GIA or AGS certify the stone the same grade as he said.
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Date: 3/26/2005 5:32:34 AM
Author: Dancing Fire

mymulan
i''m chinese,i know what you''re thinking ,i''m telling you ,you''re asking for trouble,

DF, I do agree with you (looking back at this thread it sort of appears I don''t ... )

About the first stone. The bargaining sounds sort of like this until now:

- seller starts claiming F-G, VS1

- buyer admits H-VS1 and likes the stone

- seller agrees with the color downgrading

- IMO, the price sounds like I-SI1


This is a large stone - I don''t think the lack of visible inclusions as observed in the store qualifies the diamond as "VS1". It does qualify it as "eye clean" which is a different matter.
 
if i were going to spend that much money on a diamond, nervous nelly me wouldnt spend it on a stone i had that many Qs about... i''d call WF (or any other trusted vendor for that matter) & ask if this stone is eyeclean, knowing i could rest easy - that it is what they say it is...
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Thank you DF and Ana. I found your inputs extremely helpful. This is such a great forum. I wouldn''t know what to do without you guys. I really do think knowledge is power and I kind of understand from your feedbacks that I may not be getting that good of a deal as I originally thought.

Maybe I should go look at an I SI1 that has a GIA/AGS cert ( most SI1 inclusions I''ve seen are visible when viewing through a 10x loupe but I''ve seen a few that doesn''t) and also has an H&A cut. Maybe I''ll be like "ahhh......" and a light bulb turns on.... hehe

I''ve always been the kind to buy things without shopping around too long. Time is on my side...maybe this will teach me that patience is a virtue!!!

Will go see a bunch of GIA cert diamonds today....I hope to find something that catches my eye as much as the other did...then possibly, my obsession about it will go away... of course, I already know I''ll be paying more for it.... ouch!!
 
No comment ~ If you cant say anything nice dont say anything at all :)
 
Date: 3/26/2005 11:55:23 AM
Author: Iceman
No comment ~ If you cant say anything nice dont say anything at all :)
Well ?
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Is this one of those occasions were its not rude to tell her she is making a mistake ? I would love to tell you what I think but I wont, but I believe your gut feelings are the best to go by.
 
Of course, you can tell me not to buy the diamond. :) I won''t take offense even if you say you hate consumers like me who loves a good deal, hate the premium, and often feed this kind of non-branded, non-cert, diamond market. I want to hate myself too... I tried.... :)

Why is it no longer enough that as long as I love and find a diamond pretty and have proven it has not been drilled or enhanced, it''s ok to buy? I often ask myself that question.


I like the idea of them paying for the certification if it comes out off by what they claimed it to be... I''ll throw that to them... if they don''t take, I have nothing to lose...right?

:)
 
mymulan
just to give you an idea,there is a H VS 2 2.61ct GIA cert offer by dirt cheap diamonds for $25k+, i know is a virtual stone but you can always give them a call.
 
Date: 3/26/2005 11:57:29 AM
Author: Iceman
Is this one of those occasions were its not rude to tell her she is making a mistake ? I would love to tell you what I think but I wont, but I believe your gut feelings are the best to go by.
Iceman
so.......are you saying,i''am rude?
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Date: 3/26/2005 7:24:24 AM
Author: valeria101

Date: 3/26/2005 5:32:34 AM
Author: Dancing Fire

mymulan
i''m chinese,i know what you''re thinking ,i''m telling you ,you''re asking for trouble,

DF, I do agree with you (looking back at this thread it sort of appears I don''t ... )

About the first stone. The bargaining sounds sort of like this until now:

- seller starts claiming F-G, VS1

- buyer admits H-VS1 and likes the stone

- seller agrees with the color downgrading

- IMO, the price sounds like I-SI1


This is a large stone - I don''t think the lack of visible inclusions as observed in the store qualifies the diamond as ''VS1''. It does qualify it as ''eye clean'' which is a different matter.
Ana
an I SI1 is nowhere near G VS1 price.
2.gif
 
I agree with DF. If it's too good to be true, it usually is. Hmmm, not getting a cert to sell it a little bit faster at the expense of $10K. Would you do that?

However, if you're happy with it that's all that matters
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Hi All,

Just an update that today I saw a very nice diamond. You will be happy to know that it is GIA certified 2.08 H color VVS2 ideal cut. (EXCELLENT in polish and symmetry) I compared it with a GIA certified 2.04 E color VVS2 and it looks the same color face up, and more fire on the H color diamond too...

The price is for $22k. Is that reasonable?


DF- I will check out the $25k diamond at dirt cheap... .sounds like a good price for a 2.61 carat H VS.

Question: Does it usually cost more for ideal cut diamonds?.. It sounds like the 22k 2.08 diamond sounds expensive compared to the 2.61 diamond. Do you know why?

--mymulan
 
Date: 3/27/2005 12:14:10 AM
Author: mymulan
Hi All,

Question: Does it usually cost more for ideal cut diamonds?.. It sounds like the 22k 2.08 diamond sounds expensive compared to the 2.61 diamond. Do you know why?

--mymulan
the 2.08 is 2 clarity grades higher plus it might be a better cut stone. if you''re looking at GIA stone,you must ask the vendor for a sarin report.
 
Date: 3/27/2005 12:14:10 AM
Author: mymulan
Hi All,

Just an update that today I saw a very nice diamond. You will be happy to know that it is GIA certified 2.08 H color VVS2 ideal cut. (EXCELLENT in polish and symmetry) I compared it with a GIA certified 2.04 E color VVS2 and it looks the same color face up, and more fire on the H color diamond too...

The price is for $22k. Is that reasonable?


DF- I will check out the $25k diamond at dirt cheap... .sounds like a good price for a 2.61 carat H VS.

Question: Does it usually cost more for ideal cut diamonds?.. It sounds like the 22k 2.08 diamond sounds expensive compared to the 2.61 diamond. Do you know why?

--mymulan
yes,it definity cost more for an 0 cut and then there's 0 cut + H&A.how do you know the 2.08 is a ideal cut? did the vendor show you a sarin report on the stone? i don't think the dirt cheap 2.61 ct is an ideal cut,it was just an esample of what a GIA H VS stone might sell for,not for $18k,your jeweler said his 2.66 ct stone is a G VS1
38.gif
no refund ?
38.gif
nobody sells fillet mingon for hamburger meat price
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you can compare the price quote you got from your jeweler to the price of the e-vendors here.remember, you MUST compare it to the same "cut quality",apples to apples.take your time don't rush into buying, read the link below,lots of information.

http://diamonds.pricescope.com/
 
Date: 3/26/2005 6:37:18 PM
Author: Dancing Fire
Ana
an I SI1 is nowhere near G VS1 price.
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Yeah... I guess my posts are somewhat confusing at times
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Of course the price is nowhere near - but that diamond (whatever it is) was priced like I/SI and claimed to be G/VS. But the stone was already seen and judged satisfactory as is: so - as far as I understand - the remaining issue is not to determine if the diamond is good enough, but if the price is.

For this, I tried to figure out what grades the stone can have at least for the price to still be attractive: and this is where the I/SI1 came from.

All this based on the assumption that the respective diamond has a leg advance over competing virtual offers because it has already been seen and liked for the usual criteria of C4 quality including a reasonable visual asessment of cut quality (= brilliance and optical symmetry). From the original posts sounds clear that criteria of quality with no visual impact are not of interest here.

Does this make sense ?
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DF - I will ask for a Sarin report and read up more... I thought that as long the polish and symmetry is "EXCELLENT" for GIA, it is ideal. I learn more everyday. I will try to compare apples to apples. I love to rush on things so I will try to keep myself on leash.....thank you for that great advice.

Ana - You completely make sense to me. I really believe I can get the 2.66 uncert stone for 17k. Honestly, in terms of brilliancy and fire, the uncert stone (2.66, possibly I/SI1 stone) does NOT lose to the 2.08 GIA cert stone in fact, under direct sunlight, the 2.66 stone looks better to me and both look equally as white. Only when you look face down and against a white piece of paper do you see the slight "yellow" tint of the 2.66 stone and even that, it was not readily visible. It is equally as brilliant and on fire. Do you see why I''m so torn? Would you pay 5k more for a smaller, less yellow stone?

I''ve only heard of people regretting not getting a bigger stone first time. If, say you were in my scenario and got the 2.66 I SI1, would you be regretting that you should have gotten a smaller, better quality one? heh. I know that it would probably be easier to sell the 2.08 GIA cert stone in case I ever need to sell it but the reason for me to buy it is not to sell it. At least that''s my mentality right now.

BTW, the GIA cert 2.08 H VVS2 is not H&A and is from a different jeweler. The uncert 2.66 (possibly I/SI1) is H&A cuz I can cleary see.

Also, if I were to buy from the jeweler that sells the 2.08 H VVS2, he will let me trade up 100% of the cost of the diamond . So if he got in a diamond over 2.5 carat of the same color, quality and cut, he will allow me to just pay the difference for the diamond and exchange. He is a trustworthy jeweler and I''ve done these kind of trade ins with him a few times. I told him about the uncert 2.66 and he says it is a dangerous buy and especially when I told him which jeweler I saw it from, he just ask me to be careful and make sure I get proper docs.

Today, the jeweler with the 2.66 stone will have to send the stone back unless I ask him to send it to EGL. Basically, today is my deadline on making my decision on the 2.66 stone. I feel like I will be saying goodbye to the hamburger that looks like filet mignon.
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--mulan
 
Comparing diamonds in direct sunlight is one of the worst ways to do it. Do a search here for more info. It sounds like you didn''t have them side by side to compare.

I''ll say this again, it sounds too good to be true, a jeweler you trust advised you to be careful. However you seem to have your heart set on it. If you are happy with it, it shouldn''t matter what anyone says here as long you you know what you are getting in to. And it seems that you are fully aware of the options and decisions. So I say do what makes you happy and good luck.
 
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