Before laying down your 'plastic' to buy a string of pearls or bracelet or 18k necklace, 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. f. Specifically inquire about the return and refund policies. c. Ask about the seller's guarantee and/or warranty on the item being bought. Always get everything you relied upon related to the purchase in writing (e.g. sales receipt; gemological report; purchase details).

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 necklace. We suggest that you look into the store's standing in your town. See if they belong to any trade organizations which usually require strict adherence to good business practices before accepting a store for membership. The Better Business Bureau in your area is a resource you should use when evaluating a prospective jeweler. Determine if the store's sale people have any gemological and appraisal education.

When buying diamonds, pearls, rubies or 18k necklace on the Internet, look for a BBB Reliability seal to indicate membership in the BBB. Document the details related to your purchase for future use, if necessary. Talking with a representative of the web store is always a good idea so that you have some personal contact. In addition to the phone conversation, get everything in writing. Finally, you and/or your loved one should enjoy and cherish that new jewelry or 18k necklace purchase.