I hate to pay full retail. For handbags, I mostly buy when on sale someplace like Nordstrom or Bloomingdales. Or get at The Rack, Off 5th, etc. But I'm somewhat at a loss on diamonds. There are local retail stores who have been around for a long time but they have high overhead so you're not going to get a great deal from them. And if you don't get GIA cert you can't be sure they're grading accurately. There is Costco which I would be comfortable with as far as grading, etc. but you have to take the jewelry as it comes from them - nothing custom. There is Internet. I understand you can get GIA certified stones online but you would not have the chance to see IRL before buying. Do you ladies just find someone local that you like and do business with them? Thanks.