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Diamonds and their worth


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James Allen Financing Options

Are you looking to buy a diamond? Diamonds are expensive but they make the best gift for your loved one. These are super expensive luxuries that require a huge investment to acquire even if they are bought in the smallest size possible. But once you buy a diamond, it is a life time achievement and the best symbol of love you can give to your partner.

How You Can Finance Your Ring at

Diamonds are available in nearly all kind of jewelry shops, but very few of them let you pick a diamond of your choice and then pay the money later. Most retail stores will let you buy a diamond only if you pay in full which is impossible for many people because even the smallest of diamonds can easily cost a fortune to buy. And sometimes even credit cards are not your friend because when buying something in the thousands, you also have to pay back a markup of thousands of dollars in return. Thankfully, if you are buying a diamond from James Allen, you are in luck.

James Allen is the world leader in diamond jewelry. They have some of the best and highest quality diamonds available which are also slightly less expensive than diamonds found in brick and mortar stores simply because James Allen operate exclusively through a website. This means that you have to pay less for diamonds. If that isn’t enough, James Allen also gives you a chance to buy your favorite diamond now and pay the money later in small monthly installments.

The financing options on James Allen are not too strict and are open for anyone who wishes to buy a diamond through them. They are currently offering two options of financing where you can either pay in half and pay the rest in six months of time or pay very little and pay the rest over the period of 24 months with a very small markup.

The best thing about James Allen financing options is that they are very easy to get approved to. All you need to do is fill a very simple form on their website with your details and a bit of your account information and they will see if you qualify for the financing. Normally qualifying for their financing options is very easy and doesn’t require a perfect credit rating either. Once you will the form, you will get an email within minutes letting you know if you qualify.

What are the factors to determine the value of diamonds?

The properties that determine the quality of a diamond are size, color, purity, and carat weight. These characteristics are also referred to as “the four Cs” (4 Cs). So what are these 4 Cs, you may be asking? Well, if you want to find out just how diamonds are valued, then read on below!


A good size is the one that manages to produce more brightness and sparkles, reflecting the maximum light. The best cut is achieved when the proportions between the different parts of the diamond are adequate, if these proportions are not good, the diamond will not shine the same, or it will look dull.

Although, undoubtedly, the best known is the brilliant size. It’s the way most people come to mind when they hear the word diamond.

If you intend to buy a diamond, demand a certificate, because if you do not, you can never know for sure if it is well carved or what value it has.

In the HRD and proper certificates, the proportions are indicated in the section of the same name according to three grades: VG (Very good), G (Good), UN (Unusual).

If the certificate is from the GIA, we cannot know directly if the proportions are good or not.


The best color is, without doubt, colorless. As this lack of color decreases, yellowish or brown shades begin to appear until the end of the series with clear yellow tones. The presence of color is mainly due to the presence of impurities and structural defects.

As the color tone is more yellowish the price of the diamond decreases, and therefore, also its value, although there are exceptions. Fantasy diamonds have a strong color (red, yellow, blue, green …) and are exceptional in rarity and price.

Diamond Purity

In the crystallization process of diamonds, nature leaves traces as inclusions that do not affect the beauty of the diamond. A diamond that lacks inclusions is of the highest quality.

It is understood by the purity of a diamond to internal perfection, including minerals, cracks and growth phenomena influence the purity and are jointly named inclusions. Diamonds that do not present any inclusion when viewed with a magnifying glass at ten magnifications are considered magnifying at the magnifying glass level. Defects that can be seen at higher magnification are not considered in the valuation of purity. You should consult with an expert on gems to determine the purity of a stone.


The diamond’s carat is a unit that is only used in gems, and that is equivalent to 200mg. In turn, each carat is divided into 100 points. Thus a diamond of 25 points is equivalent to 1/4 carat, and a diamond of 50 points is the same as one of half a carat.

The more carats, the more price. But since other factors such as color, purity, and size are also involved, it is possible that a small diamond is worth more than a larger one, since the quality of the small one may be better than that of the larger diamond.  There are diamonds of all colors the most frequent are yellowish tones. The rarest and colored in green, red, blue, purple, brown and yellow are the so-called fantasy colors Fancy Diamonds and reach value for fans. Only within reach of collectors.

Diamonds are classified according to their hue and are more precious the more white they are. But, for practical purposes, a diamond begins to be visible its yellowish hue when it is cataloged within the GIA scale in color I or higher. Therefore, diamonds cataloged from color H are colorless to the eye and of exquisite beauty.

The Diamond Cut Chart

Diamonds are sold in different shapes and cuts that make them look different and beautiful according to the shape they are cut in. There are as many as 10 different shapes in which a rough stone of diamond can be cut. So next time when you go out shopping for a diamond, you should know which shape is best for your personal tastes. It is important to know about shape of a diamond because each has its own outlook and brilliance and fire.

Below are the ten most popular diamond shapes that are readily available from any jewelry shop.

  • Round diamonds
  • princess cut diamond
  • oval diamond
  • marquise diamond
  • pear shaped diamond
  • Cushion cut diamond
  • emerald cut diamond
  • Asscher cut diamond
  • radiant cut diamond
  • Heart shaped diamond

Take a look at this diamond cut chart –

In all of these shapes, the round diamond shape is the most popular amongst people for it’s overall advantage over other shapes.

The round diamond shape is the most popular and loved diamond shape because it maximizes the reflection of light through the way it is cut. It is also the shape that makes 75% of all diamonds sold in the world. This is enough to understand why it is so popular.

Round diamonds are excellent diamonds because of their several applications, usability and popularity. They are sold usually at a higher price per carat than any other shape from the above listed shapes because of two reasons. First, the round diamond is tough to make because it requires a large stone and the demand is usually very high. The second is reason why it is so popular is because while this diamond is cut, the rough stone is not lost as much as it is lost in other shapes.

The round diamond shape was first made popular in the world in 1919 through the publication of Marcel Tolkowsky’s thesis. This was the first time the diamond shape was released in the world and his work described how the proportions of the round diamond should be cut to maximize the shapes perfect outlook. The cutting method he used back in the day is still followed in the modern day era. The cutting method ensures that light return on the diamond is kept as high as possible. However, the original shape design has under gone a few changes over time to keep up with the popular demand and today’s style. Over the period of time, this shape of the diamond has now been perfected and hence is the most popular shape out there.

As better equipment and advancement and technology was made, there have been a couple of modifications on how this shape is cut. With better equipment, artisans have been able to squeeze in more light and brilliance than ever before. Now these diamonds are cut through laser equipment which makes sure that the cut and shape is perfect and looks the most beautiful on pieces of jewelry.


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