Don't 'pull the trigger' on purchasing 10k gold necklace or watch or bracelet or any jewelry until you learn all you can about it so that you are a smart consumer. At search site or store, investigate their pricing, service and the quality of what they are offering. a. Ask about the store (or online) refund and return policy. a. Carefully read all warranties and guarantees and ask questions if the terms are unclear. Ask for a gemological report for any purchase related to precious gems and a sales receipt.

Finding a jeweler that you can trust is of utmost importance. Regardless of whether you are buying a pendant, watch, necklace or 10k gold necklace. Get to the bottom of the store's reputation by asking those that have purchased from the store. A good indicator of the store's reliability is if they are well respected in your city. If the jewelry store is a member of any trade organizations, determine what they are and investigate the requirements to belong. The Better Business Bureau in your area is a resource you should use when evaluating a prospective jeweler. Dealing with knowledgeable staff is a must. See if they have a gemological background.

When buying diamonds, pearls, rubies or 10k gold necklace on the Internet, look for a BBB Reliability seal to indicate membership in the BBB. Always get the particulars related to your purchase documented in case there is a dispute. Call the online store and get confirmation as to the particulars of the purchase. Even though you have had a conversation, make sure that all aspects of the purchase are well documented in writing. With all that accomplished, wear that jewelry or 10k gold necklace as often as possible.