Before laying down your 'plastic' to buy a string of pearls or bracelet or black diamond home, 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. b. Review any guarantees or warranties that come with the purchase. 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 black diamond home, 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. Find out what organizations the jeweler belongs to and their membership requirements. Obtain as much information as you can about the store you are entertaining using from the Better Business Bureau. You ant your jeweler to have a gemological and appraisal certificate.

When buying diamonds, pearls, rubies or black diamond home on the Internet, look for a BBB Reliability seal to indicate membership in the BBB. 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. Having written that, paperwork trail is extremely important when making an online jewelry purchase. Closing remark - your recipient of black diamond home is one lucky person!