Elma Gil Designer Bridal, Engagement and Fine Jewelry

Elma Gil Designer Bridal, Engagement and Fine Jewelry, seen worn by some of Hollywood’s hottest stars and offering amazing quality pieces at a great price, is taking the fashion world by storm. If looking for an amazing engagement ring, quality diamond or jewelry piece – you can see the collection for yourself at Osborne’s Jewelers in Huntsville, Al

 

Click on the picture to see view the line.

Click on the picture to see view the line.

Elma Gil - Pendants - Osbornes Jewelers - Huntsville AL

Click Image to view the Elma Gil fashion line

Patrick White

256-777-6269

Huntsville, AL

Expert Jewelry and Diamond Consultant working to hard to bring value, quality, and service to the jewelry industry in Huntsville, Madison, and the Tennessee Valley. GIA, EGL USA certified diamonds, AGS Gemstones, Custom Jewelry, Fine Timepieces and above all- uncompromising dedication to the preservation of integrity and transparency in the industry. I tend to think myself pretty awesome to kick it with as well. Cheers!

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How can I buy an engagement ring without much money down? Financing?

The perfect engagement ring

Why settle for less? Get her the diamond ring she deserves. Find a fine private jewelry store that offers 0% deferred interest financing for at least 12 months. Just make certain that you make your payments on time or else you will be charged maximum interest on the entire purchase from the day you bought the jewelry. Just a word of caution when using interest free financing. Also, if you intend to transfer the balance at the end as you may not make the pay off by the end date- make sure you begin the balance transfer a month in advance as with many banks it takes 2-4 weeks to complete the actual transfer!! Yikes! If you were to be unlucky enough to be caught in the middle of the transfer you would still have to pay a balance transfer fee, all of the accrued interest and the interest (if any) on the new card it is being transferred over to. Just looking out for my jewelry seeking friends out there.

-Patrick White

White.patrickd@gmail.com
256-777-6269

Engagement Ring Financing. Should I finance, use layaway, or pay cash?

Engagement Ring Financing

Should I finance the engagement ring?

Should I finance the engagement ring?

Is financing or layaway for an engagement ring or jewelry available and should I use it?

The answer to the first question is yes. Most jewelry stores offer financing and from what I see it is easy to get approved.

When considering financing, mind the interest rate, and length of time the interest is locked in for, or better yet, if the rate is deferred at 0%. A lengthy and low deferred interest rate gives, an individual who has savings, the ability to invest that money elsewhere all while obtaining the ideal engagement ring. It also can greatly assist you in obtaining a great looking diamond without breaking your bank.

Keep mind that a 12 month 0% deferred interest rate usually comes with the understanding that if not paid in full within a year, then the entire original balance will incur interest at the higher %, no matter how much remains of the original balance. The same goes for being late on a payment or missing a payment. You don’t want this.  I know from making the mistake myself in the past. Always remember that credit card and financing companies are trying to make a profit and little mistakes such as this are how they do it. So, make sure that you keep up with your bill cycle. Auto pay is something I highly suggest.

LAY AWAY

Lay away is back and in a big way! If worried you will miss payments, go with layaway. Most stores offer the option of layaway and guarantee the price of the piece will not increase while on the terms of our layaway plan. This makes buying jewelry and diamonds easy and worry free.

If you have any questions about layaway or financing, give me a call or send me an email

Patrick White

256-777-6269

@pdwhite10