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Online Jewelry Purchases Makes Life So Much Easier
This article was written to answer many of the most frequently asked questions on this topic. I hope you find this information helpful. Did you know that jewelry is just a click away?
Jewelry purchases are increasing in leaps and bounds with Americans spending over $50 billion each year on such items as jewelry and watches. Instead of spending hours going through malls and scouting out the perfect earrings and necklaces, consumers can shop for jewelry in the comfort of their own homes.
When shopping for jewelry, it's important to have an understanding of the fundamental materials and stones. The following information should be of help with your purchase:
Nine Points To Ponder Before Buying Gemstone Jewelry
1. Many types of gemstones are treated. In the marketplace,
there are two types of gemstones, those that are completely natural and those that have been treated or enhanced. Any gem may be treated, 95% of all rubies, sapphires and emeralds are enhanced. Prices for untreated gems of similar quality are usually higher. A competent jeweler should be able to tell you which of the stones on offer have been treated and put it in writing. If it is a substantial purchase and want an untreated gem insist on an independent laboratory grading report.
2. If you are seeking a quality colored gemstone it is usually best to buy the stone loose then choose a setting. Manufactured jewelry requires uniformity in quality, size and weight. Most jewelry is produced in multiples. Stones must also be uniform to fit pre-made settings. Fine gemstones are rare and do not come in standardized sizes and shapes.
3. Colorless diamonds under ten carats are not rare. Diamonds under five carats are normally available in more or less standard sizes and shapes.
4. 18k is the aristocrat of gold. Most jewelry in the U. S. is 14k. |
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Do You Have Enough Jewelry Insurance?
Jewelry insurance comes in many forms and varieties and only an insurance agent can provide accurate and specific advice. However, it helps to know enough about jewelry insurance to ask your agent the right questions and to be aware of how the process works. The time to ask your insurance agent the questions is before you insure an item, not when you need to file a claim. Read the fine print in your insurance contract to be sure it provides the coverage you expect.
Understanding jewelry insurance begins with recognizing the difference between scheduled and unscheduled property.
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