How To Pick a Diamond – The Experts at R&J Jewelry and Loan


November and December are great months to consider buying diamonds, diamond engagement rings, princess cut diamonds, round diamonds, brilliant cut diamonds, or a diamond that suits your personal preference.

Understanding how to choose a diamond is important, so you get the best quality for your money.


GIA – Gemological Institute of America – A GIA Report

The Gemological Institue of America was established as a non-profit insitutute, in 1931, as the world’s foremost authority on diamonds, colored stones, and pearls. GIA is the leading source of knowledge, standards, and education in gems and jewelry.

A GIA report is a full scientific assessment of your diamonds, colored stones, and pearls. It is unbiased and when a diamond is evaluated it uses the 4Cs to test and document the quality of your diamonds. It also documents if a diamond was subjected to treatments.

The report is not an appraisal. It is completed to assure you that your gemstone is a quality stone. If you have a lab treated stone, the report will provide a clear disclosure if the material. You will know if the precious stone is laboratory-grown or if it has been treated to enhance or alter its appearance. The report improves confidence and assurance that what you are buying or what you own is genuine and is what it is.

A GIA certified diamond is worth more than a diamond with an appraisal from a jewelry store.

Every diamond is unique and has its own characteristics. The GIA report is an official report and describes the exact details of the diamond it is reporting about. The report provides assurance and also makes it easier to recover a diamond if it is stolen or lost. A GIA report is assigned its own serial number.

Another diamond evaluation organization is the American Gem Society (AGS). This agency assess a stone’s quality by reviewing the 4Cs and provide a certification report.

What Are the 4Cs?

GIA created the first-globally accepted standard for describing diamonds. The standards are based on the Color, Clarity, Cut and Carat Weight of the diamond.  This basic knowledge assures you understand the quality of a diamond.

Each of the individual 4Cs of diamonds may interact with one another to impact a stone’s overall appearance. For example, a well cut diamond can appear larger due to increased light reflection.

1. Diamond Color Actually Means Lack of Color

 The diamond color is the lack of color. A diamond with no color, like a drop of water, is valued higher than a diamond with some color. A diamond color that falls under a D-Z scale, with D being completely colorless and Z having a light yellow hue, the diamond quality falls within the D-J color grade.

Strong fluorescence can alter the appearance of a diamond’s color sometimes causing the diamond to appear milky or oily.

All diamonds are evaluated, from D (diamonds with no color) to Z (diamond with color). A diamond expert, under controlled lighting, compares the diamond to “master-stones” to determine the absence of color, and gives the diamond a rating. Because the standards are global, jewelry store, jewelers, and GIA experts all use the same standard to describe the diamond.

2. Diamond Clarity

Diamond Clarity refers to the absence of “inclusions” (substances, spots, etc. included in the structure of the diamond) and “blemishes” (external characteristics).

Diamonds are created under pressure and heat, and they have both inside and external characteristics that need to be evaluated by size, nature, position, and relief.

The purer a diamond is, the better the Clarity. Diamonds are evaluated based on a standardized clarity grade. No two diamonds are the same.

Clarity is appraised after looking at the diamond under powerful magnification, and then determining what inside characteristics it has (inclusions) and the following ratings are given:

• Slightly Included (SI1 and SI2) Inclusions are noticeable under 10x magnification

• Included (I1, I2, and I3) Inclusions are obvious under 10x magnification, which may affect transparency and brilliance.

Then a Diamond Clarity Scale is used to give the diamond an overall clarity rating. The diamond’s appearance is affected by the setting too.

3. Understanding Diamond Cuts

Knowing how your diamond is cut is essential in knowing your diamond and its value and ability to transmit light and sparkle. A quality cut can make a diamond appear larger due to the light performance of the diamond.

There are diamonds cut round cut diamonds, heart-shaped diamonds, oval, marquise, and pear. There are brilliant cut diamonds, square cut, princess cut diamonds, and fancy shape diamonds.

A skilled gem cutter will know exactly how to cut a diamond, so it interacts with the light to enhance its beauty and value. The way a diamond is cut, and the cut quality will affect its brightness, fire, and scintillation.

  • Brightness: Internal and external white light reflected from a diamond.

  • Fire: The scattering of white light into all the colors of the rainbow.

  • Scintillation: The amount of sparkle a diamond produces, and the pattern of light and dark areas caused by reflections within the diamond.

  • It is important to understand that the color, clarity, and cut of a diamond work in tandum to create the stone’s quality and appearance.

  • Fancy shapes like princess cut diamonds feature an angular, contemporary beauty that looks gorgeous in classic and geometric settings. They are second in popularity compared to round brilliant diamonds and are at a lower price.


4. Carat weight

By using 200 milligrams as a “carat”, the weight of your diamond can be given within a hundredth decimal place.

Larger carat diamond are extremely rare, and thus more valuable and desirable it is. The carat size impacts value.

Remember that the value of a diamond is not only its weight, but also its color, clarity, and cut.

Thorough evaluation is necessary when appraising jewelry. A GIA report is not an appraisal.


How to Chose a Diamond

Buying a diamond doesn’t have to be a mustry. The experience of shopping for diamonds can be a fun and satisfying experience. Finding a good quality diamond starts with understanding the 4Cs described above.



Setting a clear budget to refer to when shopping for the highest quality diamond is essential. There are diamond online shops, lab created diamonds sold in both jewelry stores and online, and pawn shops that sell diamonds. To save money, a diamond with strong fluorescent may be discounted. When you are shopping for a diamond on a smaller budget, the lower end of the clarity scale, as long as there are no visible inclusions may save you money.


Color and clarity, and cut grades will affect cost. You should not see any imperfections visible to the naked eye if you choose a diamond that SI1 and up. To get the most out of your diamond for less, find a balance between color and clarity.

Knowing how much money you have to spend will help you shop within your means rather you are buying online or instore.


Personal Choice Regarding a Diamond’s Beauty

Understanding the 4Cs, staying within a budget, and finding the right diamond with the best combination of cut, color, clarity, and carat for that specific stone shape or jewelry setting like an engagement ring will impact your choice.

It is time to choose a diamond to fit a pair of earrings, an engagement ring, or a necklace.

You may want to pick a solitare setting for an engagement ring that maximizes the diamond cut, but is a smaller carat weight stone to save you money and meet your budget. If carat size is your biggest focus, you may choose a stone with less clarity or a different shape.

Choosing the perfect diamond is up to you.


Lab Created Diamonds

Lab created diamonds have grown in popularity. They are diamonds have been gaining popularity. They are created with high-pressure and heat that uses machines to mimic the process natural diamonds were made under.

Physically and optically, lab diamonds and natural diamonds are the same. Natural diamonds have trace amounts of nitrogen and boron. Natural diamonds could have a yellow or blue tinge. Natural diamonds could have microscopic particles and the shape may be different

A lab created diamond is less expensive than a comparable natural diamond, making lab created diamonds ore affordable.

A disadvantage of a lab created diamond is they don’t hold their resale value as well as a natural diamond. If you want to have diamonds for investments or to upgrade or sell in the future, lab created do have disadvantages.

The quality of lab created diamonds is higher than naturally produced since they are created under controlled conditions. They are typically brighter and whiter.

Lab created diamonds have a clear history and traceable source. Natural diamonds come from mining conditions that impact the people and countries they are mined in. Naturally mined diamonds cause a great amount of environmental impact.

There are certified lab grown diamonds evaluated by a geological laboratory to become a certified diamond. When buying a diamond, make sure it is certified if you want to ensure the diamond’s quality.


R&J Jewelry and Loan

Shopping for a Diamond at a Repulatable Pawn Shop Like R&J Jewelry and Loan

R&J Jewelry and Loan is a trusted diamond store. As you look around for loose diamonds and engagement rings that are discounted for the holiday season, make sure you shop at R&J Jewelery and Loan.

The shop is San Jose’s professional diamond pawn shop. With four decades of experience they are a trusted, family owned and operated pawn shop in the area. They offer an honest and transparent diamond appraisal process.


They use the 4Cs to evaluate each diamond that comes into the store. They ask these questions:

  1. Carat: How much does your diamond weigh?

  2. Color: Does your diamond have a color?

  3. Clarity: Can we see any flaws in your diamond?

  4. Cut: How well does your diamond reflect light?

Looking at a diamond closely will tell you the diamond’s quality. The cut is one of the most important factors, because the cut will make the color and clarity imperfections less noticeable. A well cut diamond looks brighter. A round brilliant diamond hides color incredibly well. Longer diamond shapes, like oval and radiant, reveal color much easier.

When you are doing your diamond shopping ask to look through the jewelers loop to evaluate the diamond before you buy it. Look closely at the diamond to see if there are noticeable blemishes.

Ask if there is a GIA certification report, to see if the diamonds you are looking at are graded.

R&J Jewelry and Loan currently has a cluster diamond engagement ring with round diamonds. This ring is gorgeous and represents the quality jewelry they carry. If you are in the market for a pear shaped diamond ring or a diamond pendant, they have several options. They have a beautiful ring with a large diamond center stone.

The store also offers diamond pawn services. When it comes to looking for a pawn shop for your diamonds, R & J Jewelry stands out in the area by offering a fair and honest appraisal for their customers.

They pay top dollar for 1-carat diamonds and larger and pay premium prices for GIA and EGL certified stones. With a GIA trained gemologist with many years of experience, you can rest easy knowing you’re receiving a fair, competitive offer when you’re looking to sell jewelry. They ensure you can instantly exchange your jewelry and receive cash on the spot.


Shopping Layaway Near Me

Layaway available sign.
Layaway available sign.

The 2022 holiday shopping season will start early this year. Starting about mid October through December 24th, the holiday season will be different this year than in years prior.

With the economy and rising inflation, problems with supply chains, employee and staffing headaches, things may be turbulent.

There is no doubt the dollar doesn’t buy as much as it did in the past. There are a few things we can expect for this year’s gift giving season.

Shopping online

First, e-commerce shopping:

Will continue to grow and make online shopping available worldwide. It’s estimated that about 20% of all retail sales will come for online, digital channels. Big box stores and malls have closed. This has been partly due to the pandemic, and also due to the ways customers shop. 

Customers like delivery, curb side pickup, shopping from their sofas and having things sent to their door steps.

Some large department stores and mom and pop stores have revived their retail presence by opening online stores and website presence.

Second, there may be more deals campaigns this season to help with shopping costs.

Some retailers may decrease their margins to encourage customers to buy from them. 

shopping staffing

Thirdinventory shortages may be a real challenge due to supply chain and staffing issues.

There may be opportunities to opt-in to be notified when a certain product becomes available, so you aren’t making needless trips to try and find the special gift you are looking for.


Fourth, businesses and companies will make more efforts to keep consumers involved and loyal to their products, so they do their shopping with them.

Text blasts, campaigns, emails, and other forms of marketing will create a transparent process between you, the consumer, and the business you are buying from. Keeping informed is important for most people, and in today’s shopping world, this hasn’t gone unnoticed. Chatbots, automated text messages, and automated callbacks have made instant information possible.

shopping payments

Fifth, purchasing gifts is easier with cashless payments, mobile wallets, and cryptocurrency.

Mobile phone apps make shopping quick and easy. Some programs also offer pay overtime options.

Rolex Yacht-Master

Sixth, think about pawn shop layaway programs.

Many communities have pawn shops, and pawn shops near you may have a layaway program. With only ten percent as the down payment and monthly payments, and the balance paid within ten months.


Layaway programs help you shop for and purchase pawn items while they are available. Check your local pawn shop to see what layaway programs they have to offer.

If you are shopping for gold jewelry or other fine jewelry, silver, name brand electronics or tools, luxury handbags, and designer watches, pawn shops have them all. These preowned beauties are available at affordable prices.

shopping diamonds

Pawn shops authenticate and appraise items before they go out on the retail floor or into the shop’s online inventory. The process in the pawn shop is honest and forthright. Pawn shops wouldn’t stay in business long if they cheated people or bought and sold fake items.

Setting up a layaway program and determining when the final payment is due will help you have special gifts set aside and paid for through small payments throughout the fall months.


Determining what your purchases add up to and how much the small fee is to have a layaway program account all enters into what your layaway plans look like. In some situations, having a layaway plan means interest free purchasing in most stores, which helps save money, and the shops don’t require a credit check.

Make sure you can pay payments on time, and in a situation where you have to forego your items, you understand if there is a cancellation fee or restocking fee.


R & J Jewelry

R&J Jewelry and Loan

Since 1978, R&J Jewelry and Loan has been a family owned and operated pawn shop offering a full range of pawn services. They have built their reputation on personalized services and their extensive jewelry selection in various price ranges.

They strive to set themselves apart from other pawn shops, offer a layaway program, and offer real money for your personal items.

They give fair and reasonable offers, and will buy or give you a cash loan to get you through the rough times.

shopping watches

R&J Jewelry and Loan has an extensive line of fine jewelry, designer watches, gold, diamond, gold jewelry, and luxury handbags all ready for the holidays. Shop early and save money on the cost of the 2022 holiday season.

Midi Rings As Part of Pawn Shops Jewelry and Other Items At Affordable Prices

Luxury gold jewelry on set holders and in jewelry box on light dressing table and wardrobe shelves
Luxury gold jewelry on set holders and in jewelry box on light dressing table and wardrobe shelves

Fashion rings are the essential part of every jewelry box. They can uplift any outfit. From small dainty stackable bands to luxurious gemstone rings, there are endless choices.

Fashion ring

Fashion Rings

People have been wearing rings for over 5,000 years. Traditionally, engagement and wedding rings were worn and seen as symbols of Egyptian wedding traditions. Rings were made from reeds and leather.

Not every ring is made the same. Some rings have symbolic significance, and others are worn strictly as a decorative piece.

Fashion rings are called Midi rings, and they are worn for fashion purposes. They don’t have a purpose, like an engagement ring or wedding ring. They don’t have a special meaning. They are worn to express personal style and add finishing touches to any outfit.

The midi rings or fashion rings are beautiful and look amazing on the hand. A whole outfit can achieve a vogue like look.

Fashion rings can be bold and beautiful, or discreet and feminine.

Diamond ring

Small Minimalist Rings

Errands, trips to the doctor, visiting the bank may require a casual fun outfit. Some people wear casual outfits everyday. You may want to take your everyday outfit and spruce it up and make it your own style so you stand out in a crowd.

Minimalist rings include thin bands or small dainty rings made of gold or silver. These small fine rings add a sleek, polished modern touch to your outfit.

Small yellow, white or rose gold rings can be worn with everyday outfits. White gold offers a fresh stylish look, and yellow gold a bold classic look.

There are bands that are made to stack on top of each other. You can separate them and wear them for a minimalist look. Stackable bands are in fashion right now. They add to your personal style by creating different unique combinations. You can wear them on separate fingers or stacked on one.

To create an interesting effect, mix different widths, metals, and gemstones.

Bold Statement Rings

Bold yellow gold, white gold, and rose gold rings make a statement. Big rings are pieces of jewelry that stand out.

Bold statement rings can be plan rings or rings with large gemstone centerpieces. These rings worn with high quality watches say it all.

Bold fashion rings are conversation pieces. They are sleek in design.


Gemstone Fashion Rings

A pop of color is achieved by adding a gemstone or crystal ring. The ring will accent your outfit by jazzing it up from a monotone look to a “hello” stylish look. Money spent on quality gem stone rings is worth the investment.

Instant Cash Loans in San Jose Pawn Shops.

There are Many Things Found In A Pawn Shop for at Affordable Prices

Pawn shops have been around for thousands of year. They have affordable prices, and have a huge selection of brand name electronics, gold jewelry, precious metals, silver coins, gold bullion, smart TVs, estate jewelry, diamonds, musical instruments in good condition, gaming consoles, computers, and some pawn shops carry tools, and other luxury items like designer purses, and luxury watches.

Communities have pawn shops that provide much-needed services in their community. They buy, sell, trade, and write short-term collateral loans, which provide an alternative financial option for customers. Short term pawn loans provide quick cash, and buying pre owned items helps provide affordable merchandise to those looking to buy with confidence.

Some pawn shops also have layaway programs, so customers can set aside things they want to buy through affordable payment options for special occasions. Because pawn shops can pay the highest dollar for items people sell, they draw in quality products and even some new items.

Some pawn shops have online shops that help customers and a first time buyer ease into shopping at a pawn shop from the comfort of their home. The shops have online payments, and stores may ship or have same-day pickup options at their stores.

Pawn shops will appraise and authenticate luxury items, so the loan amount offer is based on genuine item market prices, and the store can make merchandise that is real priced at affordable prices.

Opt In Programs – A Way to Subscribe

Pawn shops may have opt in programs that help you get placed on a niche list, so you find out first when brands you want are added to their retail store fronts. Depending on the location, opt in programs are like a subscription, so when you want to purchase something like a diamond, you know before general prices. These subscription programs may also offer sale prices, a “today’s low prices” option, or a discount off their regular retail prices.

R&J Jewelry and Loan Logo

R&J Jewelry and Loan

R&J Jewelry and Loan is a family owned and operated pawn shop in business since 1978. They built their reputation on personalized services and their extensive jewelry selection in various price ranges. They have beautiful gold fashion jewelry, and dainty gold jewelry and rings for stacking.

When you are trying to decide what type of fashion rings you want to purchase, consider making your purchases from a store with an online store listed on their website. Their website has a frequently asked question section to answer any questions you have about loans, selling, or buying from a pawn shop.

When considering making a jewelry purchase, like a gold pair of earings, a gemstone pendant, high quality watches like Rolex, or other merchandise, consider R&J Jewelry and Loan.

Pawn loans are something that R&J Jewelry and Loan offers. They offer real money for valuable personal items. Short term pawn loans provide a financial option to get quick cash by using valuable items as collateral for the loan amount. Once the loan amount is paid back, the item will be returned. Getting a pawn loan is an option, instead of getting cash advances from your employer or family friend.

R&J Jewlery and Loan wants you to know that “all our merchandise is below regular retail prices.”