Before laying down your 'plastic' to buy a string of pearls or bracelet or 14k white gold chain, read all you can about it so you are a well education purchaser. Be sure that you comparison shop for quality, price and customer service. a. Ask about the store (or online) refund and return policy. c. Ask about the seller's guarantee and/or warranty on the item being bought. Get a sales receipt and, in writing, all the pertinent facts related to the item you are buying.

Investigate the 'store' from whom you are making a purchase. Whether it's a brooch, pendant, necklace or 14k white gold chain, understand the stores reputation by checking with others that have made purchases including friends or relatives. A store's 'standing' in your community is an important factor to consider prior to making a purchase. You want to find out if the jeweler is a member of any industry organizations and what requirements are necessary to be a member. Don't forget to look into the background of your jeweler through the BBB - they are an excellent resource. You will want to deal with a store that has a well trained staff to include gemological education.

If you do buy that ring, bracelet, watch or 14k white gold chain online, before you do so, see if the site posts a Better Business Bureau Reliability seal on their site. Be sure to get all the particulars related to your purchase in writing as you do not want to have any disputes without evidence of what you believe was represented. Determine where they are geographically and call to speak with a person to confirm details or get clarification. In addition, be sure that you document all conversation and details of the transaction. As a closing comment, the recipient of your jewelry or 14k white gold chain is one lucky person!