pioneer loan and jewelry


A Beginners Guide to Choosing Diamond Jewelry and Understanding Gold Jewelry

This guide has been put together for the purpose of aiding our clients in their purchases of gold and diamond jewelry.

This first section concerns the selection of the right Diamond for you or that special someone.
To jump to the section on gold follow this link.

In learning about diamonds there are four items that when combined give the appearance and value of every diamond. These are the four "C's".

The four C's are Cut, Clarity, Carat Weight, and Color. (Follow this link to more information.)

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Diamonds Definitions:

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The difference between a Diamond Certificate and an Appraisal:

A Diamond Certificate is a document that describes the physical characteristics of a loose Diamond and is issued by a Gemological Laboratory.
A Diamond Certificate issues a "grade" indicating the physical properties of the Diamond "at the time of evaluation", and remains valid as long as the Diamond is not chipped or otherwise altered.

An appraisal can be performed on a loose Diamond, a mounted stone, or jewelry. If the stone is not loose, the physical properties are estimated using various estimation techniques. Most importantly, an appraisal indicates the Dollar Value of the piece under consideration. Obviously, the Dollar Value can easily change considerably over a relatively short period of time. Appraisals are most often used for insurance purposes.


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Diamond Enhancement:


Diamond clarity can be improved, but not all enhancement techniques are permanent.
The two most popular treatments are:

Laser Treatments:
A laser is used to remove some types of inclusions.
An experienced jeweler can usually see the trail left by the laser. Laser treatments are permanent.

Fracture Filling:
Tiny cracks in a diamond are filled with a colorless substance.
Fracture filling is not considered permanent. In fact, many times when a ring is cleaned in an ultrasonic bath the flaw becomes very apparent.

Treatments allow us to own a diamond that appears to be of a higher clarity than it truly is.
Treated diamonds should cost less, so it's important to do business with a jeweler you trust, one who evaluates and discloses any type of enhancement that's been performed. Return to Pioneer and Jewelry Home Page