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A few things I learnt when shopping for my wife's ring many moons ago:
3 smaller stones will cost less than 1 large one, and in my opinion looks less garish. So, for instance, get a ring with three 0.33 carat stones rather than one 1 carat stone. It will cost less and look classier.
The band is just as important as the rock. If you can, get platinum. It looks much better than white gold and it is noticeably heavier than gold as well. In my experience, most women will really appreciate the difference.
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