Before laying down your 'plastic' to buy a string of pearls or bracelet or 18k gold bracelet, read all you can about it so you are a well education purchaser. Compare price, service and quality. a. Ask about the store (or online) refund and return policy. f. Don't buy without getting a warranty or guarantee with the item being purchased. 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 18k gold bracelet, understand the stores reputation by checking with others that have made purchases including friends or relatives. A good indicator of the store's reliability is if they are well respected in your city. Professional trade organizations set 'standards'. Determine if your jeweler is a member of any such organizations. Obtain a report on the business from the Better Business Bureau. 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 bracelet. Obtain all details related to your purchase in writing including their exchange and refund policies. A conversation with a sales person from the online store as you want to 'get personal' as if you had visited a 'bricks and mortar' store. In addition to the phone conversation, get everything in writing. Lastly, wear that jewelry or 18k gold bracelet often and enjoy it.