Before laying down your 'plastic' to buy a string of pearls or bracelet or 14k silver, read all you can about it so you are a well education purchaser. Shop all aspects related to your purchase: the price; the quality and the service you get after the purchase. d. Be sure you understand and can live with the store (or websites) exchange and return policies. e. Any purchase you make you will want to be sure comes with a warranty and/or guarantee - be sure you understand its terms. 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 14k silver. Check out the store's reputation in your area. Professional trade organizations set 'standards'. Determine if your jeweler is a member of any such organizations. The BBB is an excellent source of investigation on a business. It is far preferable to deal with a company that have gemological and appraisal educations so you know that what they are saying is based on actual knowledge.

The BBB Reliability seal is a good indicator of the online store's compliance with good business practices and a seal you should look for when buying diamonds, watches, pearls or 14k silver. Document the details related to your purchase for future use, if necessary. 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 silver purchase.