should I keep this diamonds gem ?
It did not separate the value of the setting from the stone.
Also, the broker never called me when she got the report to explain
the discrepencies. She just forwarded it to me without a word.
I thought the differences were large enough not that I shouldn't be so
casual about it.
So here's my question. Should I return it for my money back or is
$4900 still a good deal for this stone ? Are discrepencies this large
typical or was the broker's behaviour (or lack of it) reason to be
alarmed ?
Should I be glad I still paid $1600 below the appraisal, or are they
typically inflated ? If I am offered a replacement stone instead of
my money back, should I consider it ? If so, what should I look out
for ?
First, there is a significant difference between H-J vs. M-N color.
Significant.
Second, you still don't have a qualified laboratory diamond grading report.
What you have is an appraisal. I can tell, because the diamond MUST be loose
in order to have a gem lab grade it, and secondly NO gem lab issues price
statements.
I.G.I. (International Gemmological Information) in New York will grade a
loose OR mounted diamond, and they DO put "retail" values on their
reports. They are also considered to be one of the more "sleezy" labs.
Certain branches of EGL will also grade Loose or Mounted stones. The real
distinction is that NO Lab, IGI included, will offer a Diamond Certificate
on a mounted diamond. It must be Loose because mounted stones could be
hiding inclusions and color is harder to detect. The purpose of a Diamond
Certificate is to provide an indication of the quality of the Diamond.