Before laying down your 'plastic' to buy a string of pearls or bracelet or 18k gold band, read all you can about it so you are a well education purchaser. Make sure you check out not only the price of the item relative to the quality but also the customer service you will receive after the purchase. 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.

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 18k gold band. Check out the store's reputation in your area. 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. Determine if the store's sale people have any gemological and appraisal education.

For online stores, look for their Better Business Bureau Reliability seal whether you are regardless whether you are buying a bracelet, a string of pearls, a watch or 18k gold band. 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. Even though you have had a conversation, make sure that all aspects of the purchase are well documented in writing. Finally, you and/or your loved one should enjoy and cherish that new jewelry or 18k gold band purchase.