Buying An Emerald Ring The 4 Cs

Photo: TK, trying o locate source

Yesterday I popped into Tiffany & Co. to try on a few emerald rings for fun. I wanted to start with heirloom-quality stones to refresh my memory on their appearance and price, and oh boy, did Tiffany deliver! The emeralds are stunning, ultra expensive ... yet small for the price tag. The design and quality of stones are top-notch, making even a 1/4 carat of emerald surrounded by diamonds ring a showstopper. As much as I love looking and trying Tiffany rings on, the price points for tiny stones are beyond what I wish to pay ... and for the purpose of this post I'll assume you, too, want a bigger stone for less money. So today, let's go shopping for emerald rings!

Photo: emcogem

Here are the 4 Cs that determine the value of an emerald, especially vital if you seek a larger stone:

1) Color - The color is the most important characteristic, but it is also the most subjective of the 4. Emeralds are a variety of beryl, a mineral whose green color comes from the impurities of chromium along with vanadium that are determined by where they are mined. Often customers prefer darker greens over lighter stones and a blue-green hue (cool) over yellow-green (warm). It doesn't make one better than the other, yet due to demand does influence price. Coveted Columbian emeralds tend to be bluish-green. (Click here for countries where emeralds are mined.)

When jewelers examine the color of emeralds they also

consider tone and saturation. The tone is the lightness and darkness of the emerald on a scale of 0 (white) to 10 (black). Fine emeralds fall between 2 and 8 on the scale. In this range, ultimately the beauty is in the eye of the beholder. As it turns out, customers gravitate to #5, #6 and #7 in color↑. I think of saturation (another name for tone) as the opaqueness or transparency of an emerald. I value opaqueness in leggings, but I desire as much transparency for the $buck$ as I can get in a colored gemstone as it shines more!

The Maximilian emerald 

2) Cut (My 2nd important characteristic is usually listed as 3rd by experts. Trust me: I'm right, and they're wrong!🙂 Let me explain why.) The skill of the cutter determines the beauty and larger-look of the stone. A great cut maximizes the color, size, brilliance and takes note of the inclusions in the emerald. In fact, of the 4 precious gemstones, emeralds are per se a fractured stone. Its fractures/inclusions, called Jardins, are accepted as a natural characteristic and mark of its unique beauty. Emeralds without Jardins are 99.99 out 100 times fake.

3) Clarity - We discussed how an expert cut enhances the clarity of a gem. More light bounces off of it. Unlike diamonds, impurities and inclusions -- Jardins -- in emeralds are common and considered part of its natural beauty. Jewelers say: Each emerald has its own fingerprint of how it was formed by nature billions of years ago. With diamonds (carbon), you want them as clean as possible, yet nature rarely makes an emerald (beryl) clean (without Jardins). In French Jardin means "garden." And if an emerald doesn't have them, have it tested. You're either set for life ... or own a fake! 

Wallis Simpson's ring

4) Size - As with all gemstones, bigger stones are rarer so prices rise exponentially per carat. Each additional carat of the same quality of emerald more than doubles and triples in price. Rats!!!

Just like emeralds, shoppers are all unique, so different strokes for different folks. Personally, I would forget about buying heirloom-quality emeralds. You'll have to pay $8,000+ for 1/4 carat stone surrounded by 1/2 carat of tiny diamonds. Paris Hilton, you can ignore my advice. 

😍Macy's comes through again! What an Effy beauty on a budget!!

Everybody else, if you consider commercial-grade stones, a 2-carat emerald is not cheap either, yet reasonable and doable as a luxury splurge for a working person on a budget (especially during a Macy's jewelry sale)! Moreover, a stone over 2 1/2 carats gets very expensive, what you would pay for a car, or the downpayment of a house.

Every splurge should be worth the money spent! When the verdict is, "I LOVE it," without going broke, it is.💚


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Big Ticket Looks For Less

Macy's offers Effy "Brasillica" Emerald Collection.

For some things you absorb the cost; for other things you don't. Where top quality matters, we must pay the piper, and at other times, budget-friendly is good enough.

With goods (and services), I might look at the apex of quality, then compare it to the tiers, of what's available. (Hey ... your girl needs to know!) I consider what I like about the top of the heap items … separating my ''wants" from my ''needs." Will the merchandise make my life better, easier or happier? When the answer is yes, I (splurge) and buy it. If no, I (save) by buying good enough.

Frequently with apparel, accessories and jewelry, we want them more than need them.😍 Am I right?

If I don't need it, but only want it (whatever "it" is), I ask, can I afford it? Next, if costly, will spending 10 times more give me 10 times more use, satisfaction or happiness? Or will the cheaper alternative do the trick? Can I get the look or convenience I seek without emptying my wallet? Even when not an exact match, often I can find "the look" for less. And if the cheaper item happens to be less durable at a fraction of the cost, I can afford to replace it, still coming out ahead.

The following are 3 proxies for bigger ticket items to give you the look, or satisfaction for less:

1) Effy vs Effy at Macy's - Like other big department stores, Macy's has partnered with several jewelers including Effy's, Marchesa, LeVian, and RARE Featuring GEMFIELDS to offer an array of fine mid-priced jewelry. Real gold and gems: The precious stones (diamonds, sapphires, rubies and emeralds) are consumer, not heirloom grade, yet you get great value for the money and lovely pieces. Moreover, if you buy directly from the jewelers, you will always pay 2 or 3 times more! But with Macy's unbeatable sales, you can get parallel bling for much less. With several independent jewelers under one roof, put your favorite earrings, rings, bracelets or necklaces on a wish list and wait for the Friends and Family, or the Deal of the Day sales for the lowest prices. Plus always check Clearance and Last Acts. You can save 1000s of dollars!

The same applies to clothes. Look for markdowns on designer suits, jackets, or pants by finding them in department stores. Ralph Lauren, Annie Sui, or Oscar de la Renta will never match such sales in their shops.

2) Athleta Santorini Thera dresses vs Old Navy Swing dresses - The Athleta dress on the left is better made and will last much longer than the Old Navy Swing dress on the right. But is it worth nearly $100? It's not where I'd drop a Benjamin Franklin. I'd rather pay $10.93 - $25 for summer dresses, then mindlessly machine wash and dry them, plus get more than one color or pattern.

3) Chanel vs Adele flap bags - During our pandemic Chanel increased the cost of its already over-priced handbags. Who does that with so many people suffering and out of work? Chanel executives, that's who!! The jumbo is now $7,100 [from $6,400 - up 11%], and the medium costs $6,500 [from $5,800 - up 12.1%]. A wallet on a chain, popular to use as an evening bag, rose to $3,100 [from $2,500 - up 26%]. Frankly I don't think the quality justifies Chanel's price hikes. Their purses are mass-produced! So if you like the Chanel classic look, find an inspired bag! Here's an evening wallet on a chain size. Another one from Sakes Fifth Avnenue in leather made in Italy. Good luck on the resale market  -- Fashionphile, the RealReal, Rebag, Vestiarie Collective, Farfetch and others --  will also go up to reflect the new prices of Chanel's handbags.

Savvy Shoppers don't pay for labels alone. We find genuine quality, value and deals for less! Enjoy a splurge that is also a save.💰💸😎


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Fabulous Deals Now At Macy's, Old Navy And More

Macy's emerald tennis bracelet (20 ct. t.w.) in sterling silver 

Great news: Retailers are opening their doors and offering sales to welcome customers back! The following deals are too good and tempting to pass up:

1) Macy's is offering a 50% - 75% epic summer sale on apparel, shoes, handbags, and jewelry. What a lovely 20-carat emerald tennis bracelet above, which is also offered in certified rubies. The sale includes more expensive necklaces, bracelets and rings. As an example, I selected a lovely budget-friendly piece that won't break the bank! In sterling silver (a precious metal), plus real emeralds for the price of costume jewelry. If you miss this particular sale, put the item on your wish list on Macy's website, then wait for the sale to come around again. Count on it happening!

2) Old Navy High-Waisted Slim Boot-Cut Yoga Pants - I'm letting my secret out of the bag. In the fall and winter I wear these substantial cotton and spandex yoga pants with a top and blazer for events -- the combo looks like business attire, and nobody is the wiser! The pants are jet-black, opaque and smooth, and they are so comfortable! The high-waisted slim boot-cut suits me, but there are several styles of yoga pants for every~body. Best deal for the quality in town. None better!

3) Crew-neck t-shirts - This year it was time for me to replace old, weathered t-shirts. Based upon quality alone, the t-shirts from L.L. Bean, Landsend and Uniqlo in the order listed are what I like buying. Although L.L. Bean is my top pick for high caliber t-shirts, I buy t-shirts from all 3 merchants based upon the price, sales, and colors available. All 3 retailers have good quality cotton t-shirts to last for several seasons of wear. A few weeks ago, I went with Landsend. In years past I also purchased t-shirts from Old Navy, but this year they only have neutral colors (white, black, grey), and I love t-shirts in vivid colors! 

4) Old Navy Swing Dresses - I highly recommend buying O.N.'s swing dresses to wear all summer long. Frankly I favor cotton because the fabric lasts longer, but Old Navy makes these practical and cool (knitted) rayon dresses so cheap, it's quibbling. Every spring the retailer returns their swing dresses in new colors and patterns. I got the above floral red dress at the store today for $10.93 on sale! How could I not bring it home!

Certain stores (including Ulta and Uniqlo) are not yet ready for in-store shopping, but you can go to their websites for details on ordering, then can go to the store for "curbside pick up" of the goods. Moreover some merchants offer both in-store and curbside side pickup services (like Macy's, Saks, Bloomingdales, Old Navy, H&M and Sophora). Check the websites of your favorite retailers ... and support them if you can. They want you back and are showing it with sales and extra services. Show brick and mortar stores some love! They were hurt by the shutdown. Let them know you're glad to be back!


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Macy's Last Act Goodies Rock

Unwritten - Heart & Crescent Moon Pendant Necklace in Sterling Silver & Rose Gold-Plate - $17 here

Hands down, Macy's is my favorite department store in New York City. Not only do I love roaming around inside its iconic Herald Square flagship store, the many in-store and online sales help me find stellar quality goods for less. Nobody has the selection at every price point like the sponsor of the world's yearly Thanksgiving Day's parade. Macy's hits a bulls-eye for a value shopper! And whether I truly need something (my mattress, living room carpet and cooking tools), or wish to splurge (clothes, makeup and jewelry), I always find something at Macy's within budget.

Unwritten - Freshwater Pearl and Sterling Silver Nnecklace here - $14.96

Macy's brick and mortar store, as well as, its website has a rack (category online) you'll adore, called Last Act, for marked down items. I still wear a "Last Act" soft cashmere blazer I got years ago for $14! I couldn't buy the cashmere fabric and make the blazer myself for that bargain price! What's more, the same deals continue now.

Today let's say we are shopping for a lovely gift, or splurge and have fun selecting some darling "Last Act" jewelry at unbeatable prices.

Macy's Amazonite and Sterling Silver Bead Bracelet here - $21.93- Tiffany sells Amazonite  bead bracelets costing $400 here. The name of the stone is taken from the Amazon River.

In my research for today's blog, this value shopper just discovered a new jewelry designer she loves! The brand, Unwritten, "Last Act" pieces are adorable and made of sterling silver, a precious metal, which I prefer to steel or some other non-precious metal for jewelry. Why settle for fakes just because you luck upon a sale? With the Unwritten pieces here, you get good design, real pearls and sterling silver ... all for only a few bucks! 

Unwritten - Cowboy Boot Necklace here - $14.96

Macy's Last Act inventory is always changing. Since the economy has taken a deep dive, I'm picking winning inexpensive pieces; nonetheless, all price points end up as "Last Acts," so be sure to check back as often as you wish!

Here's another tip: Sign up for emails to get notified of Macy's one day Flash Sales for equally good savings.

Super cute finds with budget-friendly tags for Savvy Shoppers!


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Emerald Jewelry Gifts At Macy's

Hey Macy's, you get me. You had me at "hello!":)

Everybody's heart flutters in response to certain luxuries. Some folks gawk at designer bags; for others it's high fashion clothing; and yet others love couture shoes. Or sometimes the temptation is luxe perfume or makeup. I get it! ~ I'm an under buyer; nonetheless, my hot ticket item is jewelry ... and Macy's knows it! They respond by sending me their jewelry sale catalogs. (I bet you don't get them, do you?) 

I see what I want for Christmas on the latest cover. Unfortunately, it will remain only a wish ... since the tab adds up to a huge chunk of change. Do the math: A budget buster even after applying a 30% discount! 

Still perusing and admiring are free! So let's take a look at the beautiful emerald set on the front cover. For sure, some-lucky-body will get more than sugarplums dancing in her head ... and find these sparklers under her tree. Will it be you?

1) Macy's Emerald (15 ct. t.w.) & Diamond (2-1/2 ct. t.w.) 16" Statement Necklace in 14k White Gold -- Utlra classic! 

2) Brasilica by EFFY® Emerald (9/10 ct. t.w.) and Diamond (1/6 ct. t.w.) Pear-Shaped Ring in 14k White Gold, Created for Macy's - How about created for THE SAVVY SHOPPER ... ahhh, doesn't it have a nice ring to it?:)

3) Macy's Emerald (6-1/2 ct. t.w.) & Diamond (1/8 ct. t.w.) Drop Earrings in 14k White Gold -- Jeminy Cricket Christmas, gorgeous! Also should've been created for muah, but someone forgetful forget to tell the universe!

Save for a small stone in a Christmas bell charm, I don't own any emeralds. They are rarer and thus more expensive than diamonds per carat. Emeralds register an 8 on the Mohl's Hardness Scale of gems; their relative sturdiness make them suitable to wear as necklaces, earrings and rings. They are the birth stone for May babies.

As the Savvy Shopper, allow me to throw you several consolation bones. Many people can't afford the stunning set (above and to the right sans ad copy) without mortgaging their home, but we can find pretty emeralds to get something of the effect of the pricey set. Macy's has a big inventory combined with promotions to fit every budget ... a reason I like their fine jewelry department. You can find a lovely piece and honest customer service at Herald Square and online. Here is a budget friendly pick that will produce a stellar effect for less: 

Macy's Emerald (1-1/5 ct. t.w.) & Diamond Accent Curved Bar Stud Earrings in 14k Yellow Gold - Quite a respectable size! Drop earrings make the effect of smaller stones appear larger.

Other emerald beauties for under $400 (on sale). If you miss one promotion, simply wait for another, as they return during the year:

 
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Emerald A Timeless Stone

The Bvlgari emerald suite, including this necklace given to Elizabeth Taylor by Richard Burton Circa 1962-1967.

The legendary Egyptian Queen Cleopatra reportedly had a deep passion for emeralds, which she presented to foreign dignitaries engraved with her image as a symbol of power. Wouldn't you love to go back in time to get one? Gimme!

Since I wrote about the other precious stones, I must cover this one too.

Columbia is where the most famous emeralds are mined. It supplies about 70% of the world's emeralds. Other places of origin include: Zambia (the 2nd largest supplier), Zimbabwe, Tanzania, Madagascar, Australia, France, Germany, Canada, the USA, and pretty much the rest of the world.

All photos of the Bvlgari emerald suite -Time magazine

 The most coveted emeralds are an intense, sometimes bluest green color. A pure green desirable hue is the perfect balance between blue and yellow. Emeralds that are more yellow than blue hold less value.

Like diamonds, rubies, and sapphires, jewelers consider emeralds a precious stone. Like Aquamarines and Morganites, emeralds are a variety of the mineral beryl. Chromium (and sometimes vanadium) give the mineral its green color. Chemically, they're called beryllium aluminum cyclosilicate, but the name beryl will certainly do! The lovely green stones rate an 8 on Mohs Scale of Hardness, so it is strong enough to wear as jewelry. Of the 4 natural precious stones, emeralds are the rarest and most brittle.

Earrings from Bvlgari emerald suite.

One characteristic emeralds share with sapphires and rubies is, there are few "clean'' ones in nature. Nearly all have imperfections or "inclusions." These may include gas bubbles; "jardins" (which are lines and branch-like imperfections); or fractures. While inclusions often tell experts the origin of the gem, naturally, the fewer, smaller and less noticeable the imperfections are to the naked eye the better. Greater clarity gives the emerald greater value (along with the other c's: carat, cut and color).

The ring from the Bvlgari emerald suite.

Emeralds are almost always oiled to enhance their color and hide inclusions. The oil isn't harmful or permanent but allowed as a standard treatment that doesn't lessen the gem's value. Other treatments need to be disclosed to a buyer, such as using dye to improve the color or filling in any cracks with resin or polymer to increase its clarity. The latter treatments do lessen an emerald's value, as the stones' natural beauty has been artificially improved. Also emeralds are a brittle stone, so fillings potentially impact the longevity of the stone. At any rate, they need to be cleaned carefully and should be priced accordingly. 

Photo: Macy's - Costs far less, and yet still a pretty little thing.

You never want to pay top dollar for inferior stones, but perhaps don't mind spending a lot less for treated (and disclosed treatments of) emeralds in a pretty setting. Or a lighter hue that is still appealing at a lower cost. A fair trade-off.

Do you have emeralds in your jewelry box?


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The Gemstone Chrome Diopside

Le Vian designed for Macy's

Ever hear of Chrome diopside? Me either ... until recently. It's a beautiful deep forest green color that rivals an emerald. The color comes from traces of the element chromium. Before a large mineable deposit of the gem was discovered in Siberia in 1988, the supply was far too limited to be brought to market. Chrome diopside forms at the entry of diamond mines. Before the discovery, mainly jewel collectors owned it. Unlike many other stones, such as sapphires, rubies and emeralds, the color of chrome diopside is natural without the standard (and acceptable) industry practice of heat treatment to make the stores transparent. The deep green color, along with its clarity give the stone its value.

Photo: Ebay - Russian Diopside Sterling Silver Necklace

Why would you buy chrome diopside in lieu of emeralds if drawn to the rich green hue? Because they are as beautiful as emeralds and cheaper since the demand is not yet as high. Some jewelers expect the price for chrome diopside to rise as soon as the public becomes more aware of them. One jewelry expert said, "and as soon as they are renamed!"🙂

Photo: Overstock - Miadora Chrome Diopside with diamonds

Chrome diopsides (a 5.5-6.5 on Moh's scale of hardness) will scratch easier than diamonds, sapphires, rubies and emeralds, as they are softer. For that reason, a neckless is a more practical setting for the stones, than pieces that take a beating, such as a ring or bracelet. Like pearls (a 3-4 on Moh's scale), these green sparklers are delicate and need to be treated with care.

Nonetheless, if looking for natural, untreated green gems, now is the time to consider chrome diopsides while they are less expensive than emeralds.

Photo: Wikepedia

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The Best Time To Buy A Mattress Is?

Photo: Matresses Direct

Right now, as it turns out! Across America, new mattress styles launch in March, so retailers put last year's stock on sale to make room for new inventory. Price-cuts run from the end of January through February.

As happens, a spot in my mattress began to sag. Likely I could have slept on my old mattress longer as it wasn't lumpy or causing me to wake up stiff, etc. But I knew it was only a matter of time. What if the sinking grew worst after the sales? So I took the plunge.

I went to 4 merchants and looked online. Oh, buying a mattress is a racket. Different style names used by each retailer for the same mattress makes comparing prices difficult! But after you decide on what type of mattress (coil vs. memory foam vs. latex vs. hybrid, plus the degree of firmness) you get a better sense.

After I visited stores to test a few mattresses I was sure I wanted to stick with a traditional wrapped coil mattress and I like a firm mattress. I also took note of the coil count just to grab onto something to make price comparisons between the same brand easier when going between stores.

How firm a mattress to buy depends on the type of sleeper you are. Back and stomach sleepers tend to prefer firm while side sleepers like a softer mattress for the comfort of their shoulders and hips. Ultimately, get whatever feels best to you! I ended up with an extra firm mattress after finding that while the extra firm is, indeed, a firm mattress, it is not hard. The cushion firm version has 2-inches of extra padding and costs $100 more, but to me wasn't more comfortable, only softer and higher. The advice is to lay on a mattress for 15 minutes to determine how you will like sleeping on it. What helped me the most was mattress hopping once I narrowed my selection down to 4 display mattresses.

For American readers the 4 mattresses I like best are made by the following manufacturers: Beautyrest (extra firm and luxury firm), Home Collection (ultra firm) and Stern & Foster (ultra firm). HC and S&F were the most expensive. By a lot! Although not as pricey, Beautyrest makes an excellent mattress. In business since 1931, it doesn't cut corners: Equipped with good coils, box spring, fabric and support; and well made. Therefore, I bought a Beautyrest extra firm mattress.

After selecting a mattress, you may wonder if you should also buy the box spring. My suggestion: Buy only what you need. However, as I said buying a mattress is a bit of a racket, so for me buying a complete set -- mattress and box spring -- was only a few dollars more than buying a mattress alone. This is Manhattan, so buying only a mattress kicked in an $85 delivery fee. (The box spring added only $119 to the cost of the mattress and free delivery. See what I mean? It's splitting hairs.) You will be told that buying only a mattress cancels the manufacturer's guarantee. But read the fine print: It is not always true. Buy out of necessity, not out of fear if it means saving big bucks.

I find the Mattresses in a Box quite comfortable but stuck with what I am used to sleeping on. My research suggests that the Mattress in a Box (a medium firm foam mattress) won't last as long as a coil/box spring combination, but they cost much less too, so if you don't mind going through this mattress buying process again a bit sooner, they are supportive and not a bad mattress choice.

Furthermore, Macy's has the best selection and prices on mattresses across the board. The store's free White Glove Delivery is awesome too. With a two-hour window, the deliverymen came on time and did more than I expected: vacuumed the bed space, dusted my frame, unwrapped and slid the mattress and box spring into their protectors and laid each on the bed frame. In no time flat! Also vital: In my experience, Macy's will make something right that goes wrong after a sale.

Buying a mattress takes a big bite out of a budget. Still, after the sticker shock wears off, I recommend buying mattress and box spring protectors. They keep out water, dust mites and bed bugs. (This is Manhattan. OMG Bedbugs!? I'm terrified!!) I got all cotton, quilted protectors for $65 total at Bed, Bath and Beyond, an excellent price. (Use your 20% coupons.) If possible avoid the enclosures with polyurethane, a plastic interior coating because over time the coating disintegrates into a big mess. In addition, I layer on top a mattress pad that I can remove and wash, saving me the hassle of sliding the mattress out of its encasement to wash often.

Another consideration if you like a firm mattress: Most mattresses get softer within 6 months. So you may want to order extra firm like I did.

While breaking in your mattress, feel free to buy a cheap foam topper. I used one the first few days but decided I don't need it. My new mattress has enough padding for comfort. But everybody is different. 

Selecting a new mattress is exhausting. After the job is done you will need a rest ... hopefully on the right mattress for you!

Extra tips: 

1) Mattresses today are higher than years ago (12-15 inches vs 7-10 inches). I didn't consider this when I chose a standard profile (9") instead of a low profile (5") box spring. So my new bed sits higher than my old one but not too high to go with my furniture. But phew, I don't have an inch to spare. So perhaps measure your nightstand to avoid "the princess and the pea" effect as a return is an expensive mistake! 

2) Turn your mattress every 3 months  -- head becomes feet and feet become head -- to extend its life by years. Nowadays new mattresses are upholstered on one side only and constructed (we are told) to make flipping over unnecessary. Call me skeptical, but do they last as long, really? Tick-tock, time will tell.


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