We suggest that before you lay out your money for that engagment ring setting 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. 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 engagment ring setting, understand the stores reputation by checking with others that have made purchases including friends or relatives. A good indicator of the store's reliability is if they are well respected in your city. Professional trade organizations set 'standards'. Determine if your jeweler is a member of any such organizations. Obtain a report on the business from the Better Business Bureau. You ant your jeweler to have a gemological and appraisal certificate.

If you do buy that ring, bracelet, watch or engagment ring setting online, before you do so, see if the site posts a Better Business Bureau Reliability seal on their site. Always get the particulars related to your purchase documented in case there is a dispute. Pick up the phone and speak with a representative of the web based site to reconfirm purchase details. 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 engagment ring setting purchase.