Posted on Wed, Apr. 23, 2008

A time comes when you simply know you are with “the one.”

The question then becomes just a matter of when, where and how. When will he ask? Where will he ask? How will he ask? Or should I ask him?

There are as many delightful stories of proposals as there are couples – some simple, some elaborate, but each with its own special meaning. And it is much the same for the engagement ring – some simple, some elaborate, but each with its own special meaning for the bride and groom-to-be.

Often a man will want to surprise his intended with an engagement ring. Often, however, the couple will discuss ahead of time the style and type of ring she would like to have.

In choosing your ring, keep in mind that only three people need to be involved – you, your fiancé and your jeweler. Discuss your feelings with your fiancé, being honest and realistic about the size, cost and style

An engagement ring can be the traditional diamond solitaire or you can select from an array of stones such as sapphires, emeralds or rubies, particularly popular for second marriages. Many brides-to-be opt for a combination of a diamond and another gem – her birthstone perhaps. Some couples choose their stone or stones first, then select a mounting or have one custom-designed. Heirloom pieces also can be reset or redesigned.

Should you decide to shop for a traditional diamond, you will quickly become aware of the four c’s – color, cut, clarity and carat. A reputable jeweler will help you fully understand their meaning and suggest a ring that is perfect for you.

Whether you and your fiancé decide on a diamond or a different engagement stone, you will want to get a written guarantee on the ring and have it registered. Ask your jeweler for a written certification of the stone’s grade and identity. Also, have the ring appraised by an independent appraiser.

Finally, remember that there is great potential to lose a ring somewhere between the jeweler and the altar. Don’t wait another minute to have your ring insured. This goes for the wedding bands as well. After all, any tears you shed at this wonderful time should be happy ones.