We suggest that before you lay out your money for that cross pendant ruby or other jewelry (e.g. watch, diamonds, pearls), you learn all you can about it so assure yourself that you are getting what you are paying to get. Compare price, service and quality. f. Specifically inquire about the return and refund policies. e. Any purchase you make you will want to be sure comes with a warranty and/or guarantee - be sure you understand its terms. Be sure to get, in writing, on the sales receipt, any information you relied on when making your purchase, such as the gem's weight or size. Some jewelers will supply a grading report from a gemological laboratory.

Investigate the 'store' from whom you are making a purchase. Whether it's a brooch, pendant, necklace or cross pendant ruby, understand the stores reputation by checking with others that have made purchases including friends or relatives. 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. Dealing with knowledgeable staff is a must. See if they have a gemological background.

For online stores, look for their Better Business Bureau Reliability seal whether you are regardless whether you are buying a bracelet, a string of pearls, a watch or cross pendant ruby. Prior to purchasing, get all details about your purchase in writing. 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. Even though you have had a conversation, make sure that all aspects of the purchase are well documented in writing. Finally, you and/or your loved one should enjoy and cherish that new jewelry or cross pendant ruby purchase.