We suggest that before you lay out your money for that jewelry or other jewelry (e.g. watch, diamonds, pearls), you learn all you can about it so assure yourself that you are getting what you are paying to get. Be sure that you comparison shop for quality, price and customer service. a. Ask about the store (or online) refund and return policy. b. Review any guarantees or warranties that come with the purchase. Be sure to get, in writing, on the sales receipt, any information you relied on when making your purchase, such as the gem's weight or size. Some jewelers will supply a grading report from a gemological laboratory.

We can't think of another purchase category beyond jewelry where the reputation and honesty of the seller is more important. Do all you can to investigate the business practices of the jeweler whether you are buying precious stones, gold, platinum or jewelry. A good indicator of the store's reliability is if they are well respected in your city. You want to find out if the jeweler is a member of any industry organizations and what requirements are necessary to be a member. Obtain a report on the business from the Better Business Bureau. You ant your jeweler to have a gemological and appraisal certificate.

If you do buy that ring, bracelet, watch or jewelry online, before you do so, see if the site posts a Better Business Bureau Reliability seal on their site. Prior to purchasing, get all details about your purchase in writing. Call the online store and get confirmation as to the particulars of the purchase. That having been said, getting everything represented in writing is very important. Lastly, wear that jewelry or jewelry often and enjoy it.