need a diamond - opinions
If money is tight, you might consider getting a Moissanite stone. My wife lost her ring a few years ago, and we didn't have the money to replace it. We talked it over and got a moissanite stone in a nice band for very little money. A lot of young couples are starting to do this more often, saving up for a real diamond, but keeping the setting. It's a nice way to save some money (which is important when planning a wedding) and get yourselves established financially. When the time comes, you can simply replace the stone.
-Mike

I did something similar, found the stone I wanted, then got the band to go with it. I had a connection with a dealer back in my hometown. I paid their cost plus 10% and paid in cash, no tax. It was much less than half the price of similar stones at Jareds or Robbins Bros. About 20% less than blue nile. Blue nile is a very reputable company. I would just suggest spec'ing out your stone on their site and seeing what their prices are. Then when you go to market you know what price you have to beat.
GL
Edit: Get that puppy insured as soon as you buy it
Good advice on using blue nile as a negotiation tool. I have been looking through their diamonds. I would rather pay cash, and get a discount that way and not pay taxes, but not everyone will do that.
Good advice on using blue nile as a negotiation tool. I have been looking through their diamonds. I would rather pay cash, and get a discount that way and not pay taxes, but not everyone will do that.

