Don't 'pull the trigger' on purchasing christmas napkin ring or watch or bracelet or any jewelry until you learn all you can about it so that you are a smart consumer. Be sure that you comparison shop for quality, price and customer service. c. Inquire about how you would get a refund or return the item if dissatisfied. d. You will want a warranty with your purchase so inquire and understand what is offered. Always get everything you relied upon related to the purchase in writing (e.g. sales receipt; gemological report; purchase details).

Investigate the 'store' from whom you are making a purchase. Whether it's a brooch, pendant, necklace or christmas 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. Dealing with knowledgeable staff is a must. See if they have a gemological background.

If you do buy that ring, bracelet, watch or christmas napkin ring online, before you do so, see if the site posts a Better Business Bureau Reliability seal on their site. Prior to purchasing, get all details about your purchase in writing. 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. Last thought - enjoy your beautiful christmas napkin ring purchase.