Before laying down your 'plastic' to buy a string of pearls or bracelet or 14k gold band, read all you can about it so you are a well education purchaser. Match up the quality, customer service and price of competing offers. c. Inquire about how you would get a refund or return the item if dissatisfied. c. Ask about the seller's guarantee and/or warranty on the item being bought. Ask for a gemological report for any purchase related to precious gems and a sales receipt.

Investigate the 'store' from whom you are making a purchase. Whether it's a brooch, pendant, necklace or 14k gold band, understand the stores reputation by checking with others that have made purchases including friends or relatives. Look into the 'buzz' about the company that you are contemplating making your purchase. Determine what professional trade groups your jeweler belongs and what the requirements are of membership. The BBB is an excellent source of investigation on a business. Determine if the store's sale people have any gemological and appraisal education.

When buying diamonds, pearls, rubies or 14k gold band 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. If you are shopping online, get the websites location and talk with someone to clarify all aspects of the purchase. Even though you have had a conversation, make sure that all aspects of the purchase are well documented in writing. Last thought - enjoy your beautiful 14k gold band purchase.