<prompt> Human: Hello PF,I am looking to find a engagement ring and need to figure out the best way to pay for it. I was told by friends to purchase a ring online. I would rather not do that and go to a store. My question is other than that option and looking at purchasing an engagement ring and proposing in December is there a company I should stick with and how much should I consider putting down for the ring. I would rather do a payment plan. I am financially sound and can pay the ring in full. But would prefer a payment plan as possible. I would love any assistance as possible.  <response>: If you are financially sound youd just buy it. 