Before 'pulling the trigger' on that jewelry buy, be sure you learn all you can about the cheap napkin ring or whatever you are purchasing be it gold, silver, platinum or just gemstones. Compare price, service and quality. f. Specifically inquire about the return and refund policies. b. Review any guarantees or warranties that come with the purchase. Always get everything you relied upon related to the purchase in writing (e.g. sales receipt; gemological report; purchase details).

The saying goes 'if you don't know your jewels, know your jeweler'. Well, checking on the reputation of the sale that you making is of paramount importance when buying diamonds, pearls, watches or cheap napkin ring. Check out the store's reputation in your area. Determine what professional trade groups your jeweler belongs and what the requirements are of membership. Get a BBB report on your jewelry store prior to making any purchase. Determine if the store's sale people have any gemological and appraisal education.

A good indicator of a reliable site for getting that string of pearls, or bracelet or cheap napkin ring, is the BBB seal of reliability. 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, be sure that you document all conversation and details of the transaction. Lastly, wear that jewelry or cheap napkin ring often and enjoy it.