Before laying down your 'plastic' to buy a string of pearls or bracelet or antique napkin ring, 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. e. Any purchase you make you will want to be sure comes with a warranty and/or guarantee - be sure you understand its terms. 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 antique napkin ring, understand the stores reputation by checking with others that have made purchases including friends or relatives. Check out the store's reputation in your area. Determine what professional trade groups your jeweler belongs and what the requirements are of membership. Obtain a report on the business from the Better Business Bureau. Look for a jeweler with a gemological and appraisal education and certificate.

Whether you want to purchase a watch, earrings, string of pearls or antique napkin ring online, look for the Better Business Bureau Reliability Seal. Get all the product details in writing (for example by email) including refund policy. Determine where they are geographically and call to speak with a person to confirm details or get clarification. That having been said, getting everything represented in writing is very important. Last thought - enjoy your beautiful antique napkin ring purchase.