Before laying down your 'plastic' to buy a string of pearls or bracelet or engagement gem ring stone, read all you can about it so you are a well education purchaser. At search site or store, investigate their pricing, service and the quality of what they are offering. a. Ask about the store (or online) refund and return policy. b. Review any guarantees or warranties that come with the purchase. 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 engagement gem ring stone, 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. Professional trade organizations set 'standards'. Determine if your jeweler is a member of any such organizations. 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 engagement gem ring stone on the Internet, look for a BBB Reliability seal to indicate membership in the BBB. 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. In addition, be sure that you document all conversation and details of the transaction. As a closing comment, the recipient of your jewelry or engagement gem ring stone is one lucky person!