Archive for the 'Silver Jewelry' Category

The Fashionable Jewellery The Kids Like To Be Seen In

Written by author on Friday, February 12th, 2010 in Silver Jewelry.

I was watching a programme on the television last night and it set me thinking about how women style themselves.

I personally think we are all individuals and hate to follow any set fashion style. I am what I am and if people don’t like the way I dress myself then tough.I’m not going to be rushing out to the shopping centre to buy the latest fashions, just because so and so may be wearing them.

On the other hand, my teenage daughter is very much into all the latest trends and currently Pixie Lott is her favourite. It really amazes me that Pixie is only 5 years older than my daughter and yet she is a huge pop star. Can they really go from little girl to huge pop star in such a short time of space.

Currently my daughter and her friends are absolutely obsessed with any sort of Silver Jewellery. Her dressing table is absolutely crammed full of Silver Necklaces and Silver Bracelets.It’s stupid because she won’t wear most of it, but that doesn’t seem to stop her wasting her money on it just because her favourite pop star is wearing it.

It is amazing how many of these pop stars start out their careers singing a few songs, then a few years later low and behold they bring out their own fashion ranges and so our teenagers still continue to buy their products.

Their management are very clever and I suppose they know that their clients only have a relatively short shelf life, so try to make the very most out of them.

Mind you, I’m not so sure I am that different because I can remember the days when I was 13 and I went to see my favourite band – Adam and The Ants.They were absolutely fantastic in the flesh and for weeks and weeks I asked my mum and dad to let me have a jacket just like the one Adam wore. I came within a whisper of dad buying me one, but mum put her foot down at the last minute.So maybe it’s not because things have changed that much, it’s just that I am no longer a teenager!!

Stunning Elegance And Captivating Originality – Tiffany Jewelry

Written by author on Wednesday, January 27th, 2010 in Silver Jewelry.

Tiffany can create stunning elegance and captivating originality. Tiffany designs bring glamour to your life and will be cherished always. Here are some Tiffany silver jewelry favorites I would like to share with you.

This Tiffany bracelet may not evoke your feeling at first. Take a close look at the bracelet. “Let me count the ways” is engraved on the bracelet. That’s why it is called Tiffany Let Me Count the Ways Bracelet”. What the words inspire you? Let me count the ways to love you. Let me count the ways to live better with you. Let me count the ways to earn money for you. A short sentence can make me think of so many things. The Tiffany bracelet is thin and simple, but it has been a hot-seller.

Look at this Tiffany bow earrings. They are made in mini size to fit the earlobes. As we know, apart from high quality, chic design is another reason why Tiffany silver jewelry is so popular. The Tiffany bow earrings give the wearer a glimpse of innocence and puerility.

Tiffany silver jewelry is famous for their simplicity. Simple and unique designs, good quality and famous brand, all these make Tiffany so attractive. Buy Tiffany through Tiffanymoment.com,cheap wow gold, you will enjoy more favors. At any time, silver jewelry is popular with girls. There are some reasons. Silver jewelry is more affordable than other fine jewelry. Besides, silver jewelry can endure a long time and easy to keep.

Among silver jewelry, Tiffany jewelry is the hot pick of many people. Tiffany is a brand name around the world. Whether used as a gift or bought for oneself, Tiffany jewelry will never make people embarrassed. As a big brand in the jewelry world,wow gold, the quality is out of question. The after service of Tiffany silver jewelry also assures people the reliability of Tiffany.

Among silver jewelry, Tiffany jewelryis the hot pick of many people. Tiffany is a brand name around the world. Whether used as a gift or bought for oneself, Tiffany jewelry will never make people embarrassed. As a big brand in the jewelry world, the quality is out of question. The after service of Tiffany silver jewelry also assures people the reliability of Tiffany.

Most people will buy Tiffany silver jewelry from jewelers. That is a good choice. Professional jewelers can offer authentic Tiffany silver jewelry and very good after sales service. Besides, people can choose their favorite Tiffany jewelry from thousands of Tiffany necklaces,cheap wow gold, Tiffany bracelets, Tiffany rings, etc.

Now more and more people are inclined to buy Tiffany silver jewelry from online Tiffany jewelry suppliers because the convenience, speediness and cheapness of online shops. There are more online jewelry shops than wow gold offline shops. People can get their Tiffany jewelry with just a mouse click. Choose a reliable online Tiffany jewelry supplier is not difficult. Check out the credit record of the jewelry supplier. People will leave comments after they bought the products.

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Read Why People Wear Jewelry

Written by author on Saturday, November 14th, 2009 in Silver Jewelry.

As far as we know, people have been wearing Jewellery for, well, as long as there have been people! So why do they do it ? There are actually several reasons. Which is probably why it’s so universal.

Jewellery – the American (Jewelry) and British English (Jewellery) spelling are different – is an item of personal adornment, such as a necklace, ring, brooch or bracelet, that is worn by an individual. It is usually made from some form of precious metals, but may be from any other material, and may be appreciated because of geometric, symbolic, artistic or other patterns.

Probably the first things that come to mind when thinking about why people wear Jewellery are connected with wealth. Jewellery has been the principal means of financial wealth display in many societies and cultures. Most of these cultures have, at some point, had a practice of keeping large amounts of wealth stored in the form of Jewellery so that Jewellery has become a way of storing wealth and becomes a form of currency. Even today, many cultures exploit Jewellery in wedding dowries and rituals, either symbolically or actually as a form of wealth transfer. Jewellery has also been used as a currency to trade goods.

But its not all about money. Many items of jewellery, such as brooches, clasps, pins and buckles originated as purely functional items, evolving later into decorative items as clothing itself evolved, and the functional requirement in support of clothing diminished.

Jewellery can also be used principally for symbolic purposes – to show membership of a group, as, for example, in the wearing of the Christian crucifix or Jewish Star of David, or of status, as in the wearing of chains of office, or the mostly Western practice of married people wearing a wedding ring. In different periods of history and in different parts of the world various components and forms have been ascribed different meanings. In Victorian times, for example, a Snake came to mean “Eternity” as Prince Albert gave Queen Victoria an engagement ring in the form of a snake. So where today we see a pretty little piece of Jewellery as quaint, decorative , interesting or valuable – a hundred and fifty years ago the original owner may have seen the same piece to have had a quite different and deeper meaning.

In the past, and in some cases in the present, though to perhaps a much smaller degree, Jewellery can be thought to offer powers of protection such as in the form of amulets and magical wards. Wearing of amulets and devotional medals to provide protection or ward off evil is common in some cultures; these may take the form of symbols (such as the ankh), stones, plants, animals, body parts (such as the Khamsa), or glyphs such as stylized versions of the Throne Verse in Islamic art.

Although artistic display has clearly been a function of jewellery from the very beginning, the other roles described above tended to take primacy. Over more recent times, however, there has been a general drift towards the wearing of Jewellery being more generally about the display of taste, style and awareness of fashion. This trend probably began in the late 19th century, with the work of such masters as Peter Carl Fabergé and René Lalique and art began to take primacy over function and wealth. This trend has continued into modern times, expanded upon by artists such as Robert Lee Morris and Ed Levin.

In the beginning, the first pieces of jewellery were made from natural materials, such as bone, animal teeth, shell, wood and carved stone. As time went by, more jewellery was probably made of rarer or exotic materials for more wealthy people as indications of social status. In these cases more robust and enduring materials were generally used such as metal and gemstones culminating with the use in more modern times of the hardest and most enduring natural material of all – diamond.

Jewellery has been made to adorn nearly every body part, from hairpins to toe rings and many more types of jewellery. While, today, high-quality jewellery is made with gemstones and precious metals, such as silver or gold, there is also a growing demand for art jewellery where design and creativity is prized above material value. In addition, there is also a strong move towards less costly costume jewellery, made from lower value materials and mass-produced. This offers the possibility of the wearing of Jewellery to match a particular clothing outfit or even of the use of disposable pieces for a one-off occasion.

Costume jewellery has been part of culture for almost 300 years, beginning in the 1700s, when cheap jewellery made with glass made Jewellery available to the common people. The most significant growth in the wearing the costume Jewellery, however, began in the middle of the twentieth century with the use of machinery and modern manufacturing methods driving the cost of items significantly lower. In the 20th century the average woman could quite easily afford to acquire and wear a considerable amount of this mass-produced Jewellery that was both affordable and stylish.

Costume jewellery became not only affordable, it also became desirable too. It was made popular by various designers in the mid twentieth century, but the most significant factor in the popularisation of costume jewellery was the Hollywood movie which was able to reach almost the whole of the worlds population. The leading female stars of the ’40s and ’50s often wore and then endorsed the pieces produced by a range of designers. Stars such as Vivien Leigh, Elizabeth Taylor and Jane Russell appeared in adverts for the pieces and the availability of the collections in high street shops made it possible for ordinary women to own and wear such jewellery.

So affordable was this Jewellery that it gradually became the practice of many women to purchase Jewellery simply to match, or accessorize, a particular clothing outfit. So today its almost rare to see a woman dressed without Jewellery of some kind. And that’s where the pendulum, once again, is starting to swing back with a discernible return to Jewellery with less ‘bling’ and more class and made from genuinely valuable materials such as gold or silver. Being designed and made by an individual artisan only adds to its value.

Nowadays, it’s never been easier to find genuine quality Jewellery at affordable prices with the Internet making it available to anyone taking the time to look. So if you’d like to take a look at some Hand Made Silver Jewellery that’s distinctive, versatile and perfect for a wide range of clothing styles, settings and occasions then simply follow the link above or let your favorite search engine be your friend.

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Estate Silver Jewelry Is A Hot Fashion Pick!

Written by author on Wednesday, October 28th, 2009 in Silver Jewelry.

Sterling silver is an excellent choice in estate jewelry. Long lasting, easy to care for, and so beautiful. Buying estate jewelry sterling silver can be a lot of fun but it can also be confusing.

Whether you are looking at sterling silver for a gift for that special someone or looking to add to your own jewelry to make that fashion statement, it’s important you understand the terms that are used throughout the industry. Once you understand the terminology you will be better equipped to choose quality pieces of sterling silver jewelry and you’ll be able to complete your purchases with a lot more confidence.

It doesn’t matter whether you are buying on line or at your local store. It doesn’t matter if you are buying in the USA or Canada or in Europe or China. The terminology used to describe silver are the same around the world.

Sterling silver jewelry has always been popular and remains so today. Sterling silver estate jewelry has also shared it’s time in the limelight but in recent years its popularity has exploded. That’s because buyers are looking for something a little more unique than modern sterling silver can offer. Everyone knows how beautiful sterling silver is and how durable it is, that’s one of the reasons it’s such a popular choice. And of course let’s not forget how affordable it is!

Silver has it history into ancient times, but has not survived as well as gold. Unlike gold which has no ill effects from age and exposure sterling silver does. It deteriorates over time. Throughout history sterling silver has experienced bursts of popularity where it was far more vogue than wearing gold jewelry. Today is one of those periods in time!

Silver is the most common of all the precious metals. Fine silver is pure silver but it not commonly used for jewelry because it is way too soft and bends and breaks far too easily. Instead fine silver is mixed with copper. 925 parts of silver are mixed with 75 parts of copper which is just enough copper to firm up the silver to make beautiful jewelry. This 925 grade is called sterling silver throughout the world and is recognized as the purest form of silver available for jewelry.

This is the mark you are looking for. Either that or the actual sterling mark. Both will guarantee you that what you are buying is sterling silver and not some cheap base metal like nickel which will wear and look awful very quickly.

Silver has many benefits over gold. It is much lighter weighing about half as much as gold. It is much more flexible but not as malleable so it allows for beautiful jewelry creations. Lastly it is much less expensive yet it will last you your lifetime and probably those of a couple of more generations. Two exact pieces one in silver and one in gold. The gold piece will cost 5 to 6 times more than the sterling silver piece.

Current fashion trends which include a lot of black or dark materials have added to the popularity of sterling silver as it looks very well with black. In fact it has much more of a dramatic impact than gold does.

Silver likes to be worn. It helps keep it shiny and beautiful. Left hanging for any length of time means you’ll need to polish it to remove the tarnish. In our fast paced world silver is an excellent choice. Just as we have wash and wear clothing silver is an excellent grab and wear style of jewelry.

So the next time you are in the market for some quality sterling silver jewelry be sure to check out estate silver jewelry!

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Give Them Diamonds!

Written by author on Wednesday, October 28th, 2009 in Silver Jewelry.

Everyone Loves Diamonds…
When they said that diamonds are a girl’s best friend, they weren’t joking. Women love diamonds for their brilliance and for what they represent, and men like diamonds for the elegance and class associated with the gems. No matter whom you’re shopping for, especially if it’s yourself, you can’t go wrong with diamonds. A diamond watch is a gift that anyone would love to own.

How to Decide Where to Buy and How Much to Spend
If you need to keep the time anyway, why not do it in style? But shopping for diamond watch is never easy. Every jewelry store is competing with all the others, and you hear so many horror stories about this jewelry store and that. You hardly know which store to go to when they all make each other out to be crooks. When every jewelry store advertises that the competition doesn’t know what they’re doing, who are you supposed to trust? And diamond watches are so expensive, many of the prices found in the jewelry stores are just too much to pay.

A little Internet shopping might be the first thing you’ll want to check out, because even if you don’t buy you can get some different prices to comparison shop with. In most locations, the Sunday edition of the newspaper is filled with ads for jewelry stores. It is always easier to buy something when it’s on sale, and the Sunday sales ads offer great bargains. The colorful displays will give the casual shopper a good idea of what’s being offered, also.

The Right Diamonds for You
Diamond lovers talk of clarity, carat, and cut, but in truth the best diamond to buy is the one that you absolutely love. If it sings to you, and you can afford it, then you should take the plunge. What’s the point of having something attractive if you don’t completely adore it? A quality diamond is the one that looks the best to you. After all, a beautiful diamond watch is an item that can be passed down through generations, and will always be treasured. The right diamond watch to pick is the one that you love, because either way you’re going to be stuck with it for a long while yet.

The setting, the stones, the watch itself all must combine in just the right way. When all these different pieces come together to form the perfect whole, you will know it right away. The watch that strikes you the most is the one you’ll want to buy. Worrying about the cut and shape of the stones, the perfection and size, is less important than the general appeal and effect of the whole piece.

If you’re buying diamonds for someone else, try to put yourself in their shoes. Think about their taste and style in other jewelry that they’re worn or purchased, and mimic this as much as possible. In any case, a diamond watch is a gift that anyone will cherish for a lifetime. A beautiful diamond watch will be cherished all the more, and buying someone a gift that they would have picked out for themselves, if they could have, is a gesture that will never be forgotten.

The Gift They’ll Always Remember
Large or small, diamonds are always fashionable. A diamond watch is a great gift to give to yourself or someone close to you, and it should last you a lifetime. After all, doesn’t everyone love diamonds? Some can afford to buy the very best, and that’s always to be encouraged. Others must live on a budget, but that doesn’t mean everyone doesn’t want to buy elegant things or give precious gifts. Doing a little shopping around will help you determine what kind of watch you can afford to purchase, and at least you’ll have done your homework before you venture inside your local jewelry store. Giving someone a beautiful piece that will last them a lifetime is a gesture that won’t soon be forgotten, and if you’re shopping for yourself then you’ll have something you can always cherish. The best purchase you can make is an educated one, so be sure to do plenty of shopping around before you commit. In any case, diamonds are going to be an expensive purchase, but they are considered to be something of an investment. You’ll want to spend your money wisely, and come away with something that best suits you.

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Green Amber Jewelry – What Is Green Amber?

Written by author on Wednesday, October 28th, 2009 in Silver Jewelry.

Green amber is a form of natural Baltic amber that has a very dark, rich green color. Amber of any color is formed from fossilized resin produced by pine trees, and most amber is between forty and sixty million years old. The green occurs when organic material from plants is trapped within the natural amber, giving the green color. The various chemical compositions and variations on the plant materials that became covered with the thick and sticky resin provide the variations and patterns in green amber.

The tones and shades of green will vary within the amber, and the unique rich colors will captivate the eye and draw attention to the beauty of the gem itself. Green amber is considered to be more valuable than the more common brown amber, but the most valuable and rarest of ambers is the clear and completely transparent amber.

Amber and legend

In many ancient traditions and religions, amber is seen to have a special place. The ancient Chinese defined amber as “tigers soul” and wearing amber was believed to give the wearer the strength and courage of a tiger. The ancient Greeks believed that amber represented the tears of Apollo’s daughters, and considered the gems to ward off evil spirits.

Due to the amber’s chemical composition, it first attracted mystics with its properties of transparency and the appearance of movement within the gem as the light hit from different directions. In addition amber would burn if heated in a fire, and this added to its qualities and uniqueness.

Amber jewelry has been found that dated to the Paleolithic area, around 12,000 B.C. Both the Celts and the Romans used amber as a rare commodity in trading. In the 1100’s Gdansk was the major center of amber production, and the Baltic area continues to be the largest producer of amber to this day.

Green amber in jewelry

The beautiful rich colors of green amber make it a natural match for both silver and gold jewelry. Green amber (like all amber), while considered a gemstone, is one of the few gems that is not of mineral origin. The more colored and patterned the green amber is the more the jeweler can use these patterns to work into the setting of the gem. Green amber that also contains fossilized material is very rare and very valuable.

Green amber is a soft gem, and is very warm to both the touch and to wear. It is not cold against the skin like other gems, and amber collects and stores static electricity. Very lightweight, amber is an excellent gem for earrings as it adds little weight to the metal that it is set in.

Green amber is used in making bracelets, necklaces, rings and all other forms of jewelry. Green amber is easily cared for with simple polishing or buffing to remove the slight scratches that may occur on the surface of this soft gem.

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Gold Jewelry Do’s And Don’ts

Written by author on Wednesday, October 28th, 2009 in Silver Jewelry.

Whether buying gold jewelry for yourself or a loved one, deciding what and where to buy fine jewelry can be a tough decision. Gold jewelry is an item you’ll cherish for many years to come – maybe even a lifetime! So, you’ll want to make a wise choice. Here are some quick do’s and don’ts to remember when buying gold jewelry.

Do Buy Gold Jewelry from a Company You Trust

When you want fine jewelry, choose a company or Web store that specializes in fine jewelry. Don’t expect to find the best of jewelry at a company that offers everything including the kitchen sink! A specialist can assist you personally and provide a wider variety of gold jewelry.

When searching online, be specific in your searches, and do research on the company before making a purchase. Check to see if the company is affiliated with a professional trade association such as the Jewelers of America (JA) or the online Better Business Bureau.

Do Look for Guarantees or Warranties

Before buying gold jewelry from a company (online or offline), get a detailed explanation of their return policy in case the jewelry is not what you expected or has a defect. Some will offer manufacturer’s warranties as well.

Do Shop for Quality, not Just Discounted Prices

It’s tempting to buy fine jewelry at a discount to get a great bargain. But, what are you really getting? With gold jewelry, for example, find the karat or quality mark on the actual jewelry to see if it’s real gold or not. And remember, the karats are an indication of what percentage of gold is in the jewelry piece. 24K is pure gold, 18K is 75 percent gold, 14K is 58.3 percent gold, and 10K is 41.6 percent gold. So, what is the other percentage? It is usually made up of alloy, or different metals that add form and strength to the jewelry item.

Don’t be Hasty

Look around at several gold jewelry pieces before making a decision. Consider the price of the jewelry as well. Ask about these factors to determine if the fine jewelry is worth its price: karat weight, total weight, engravings, design, look and feel, ornamental detail, and the finish.

Don’t Buy from Suspicious Companies or Persons

If you have an uneasy feeling about buying fine jewelry from a particular person or company, don’t do it. The jewelry could be stolen or fake. Either way, you’ll lose in the long run. Always choose a reputable company that specializes in fine jewelry and/or gold jewelry.

Don’t Forget the Clasp and Measurements

If buying for others, find out what size gold jewelry they wear, such as ring size, neck size, wrist size, or ankle size. Whether it’s gold necklaces, gold earrings, gold bracelets, gold bangles, or other types of jewelry, you’ll need to know the size and style that fits you or your loved one. Also, examine the clasp to be sure it’s easy to attach and of good quality.

Use these tips as a starting point to get the gold jewelry you need. The right gold jewelry piece can be worn for a lifetime!

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Pearl Jewelry: Understand Pearls Before You Buy

Written by author on Wednesday, October 28th, 2009 in Silver Jewelry.

We’ve all admired the gorgeous luster of a pearl necklace or a set of pearl earrings, but if you’re in the market to buy pearl jewelry, you should understand the basics about pearls and pearl jewelry. Here, then, is a basic guide to pearls:

Freshwater Pearls

Freshwater pearls are farmed in rivers, lakes, and other freshwater sources. They differ from saltwater pearls in that freshwater pearls are almost entirely made up of nacre – the substance that gives pearls their luster and longevity. As a result, freshwater pearls will typically not experience the same amount of wear as saltwater pearls. A freshwater pearl necklace is also typically less expensive than other types of pearl necklaces. An added feature is that freshwater pearls come in a variety of colors, including pink, black, and purple. Those who trend toward nontraditional pearl colors will find the hue they’re looking for in freshwater pearls.

Tahitian Pearls

Tahitian pearls are also known as black pearls because they are cultivated in the black-tipped oyster. The truth, though, is that Tahitian pearls come in a variety of hues, from true black to gray, from blue to green, and from pink to brown. It’s difficult to match the colors of Tahitian pearls, so a Tahitian pearl necklace will cost more than its freshwater cousin.

Akoya Pearls

Akoya pearls hail from Japan, where they are cultured. More expensive than freshwater pearls, Akoya pearls are also typically more perfectly round and smoother than freshwater pearls. The luster of an Akoya pearl necklace and pearl earrings makes them the jewelry of choice for many brides-to-be.

Factors Affecting Price

The price of pearl jewelry can vary widely, depending upon a number of factors. Taking the price of the setting out of the equation, pearls are valued based on the type of pearl, their size, their roundness, and the absence or presence of flaws. If you are looking for affordable or wholesale pearl jewelry, freshwater pearls are your best bet. The most expensive pearls may be South Sea pearls, which are made by the pinctada maxima, or golden-lipped oyster. They are typically quite large and fairly rare.

Pearls are measured in millimeters, and typically vary from 5 mm to 18 mm. Needless to say, all other factors being equal, the larger the pearl, the more expensive it is. The same holds true for roundness or symmetry and the absence of flaws. A perfectly round white pearl with no mars will cost more than a pearl that is slightly asymmetrical or that has a mark on it.

That’s not to say, of course, that only pearl jewelry made from flawless, large, round, white pearls is desirable. Increasingly, people appreciate the special qualities that colored and differently shaped pearls can bring to pearl jewelry. As with all exquisite items, everyone’s taste is different. The one certainty is that you should know something about pearls before starting to shop for pearl jewelry.

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Do You Have Enough Jewelry Insurance?

Written by author on Wednesday, October 28th, 2009 in Silver Jewelry.

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.

Unscheduled property (jewelry not specifically listed) is typically included in basic homeowner or renter’s policies under blanket coverage. There is a usually a deductible (typically $500) and a maximum amount of coverage (typically $1500) although these amounts can vary with the specific policy. This type of coverage does not require an appraisal but sales receipts, written descriptions or photos are beneficial in proving the items existed and estimating their replacement value.

Scheduled property (jewelry specifically listed) is included in a floater, rider or endorsement to homeowner or renter’s policies. Jewelry insurance is also available with a separate policy, from a company specializing in jewelry insurance. For scheduled property, the insurance appraisal is vital because it describes the jewelry item and provides the “insured value” that is used in determining the premium you will pay to insure the item each year. Most scheduled property policies do not have an automatic appreciation adjustment as is common for the house and other unscheduled property. Therefore, even if it might cost 50% more to replace an item in five years, the “insured value” is still only that stated in the appraisal.

If you file an insurance claim, the settlement process and amount paid will depend on the policy and in particular, if the policy allows replacement or agreed value settlement. For agreed value policies, the settlement amount is stated in the policy whereas replacement value allows the insurance company to replace your jewelry or make a cash settlement based on the insurance company’s cost to replace your item. The insurance company’s liability ceiling is set at the “insured value” on the appraisal.

Do you have enough jewelry insurance? The answer depends on what kind of policy you have, the “insured value” is on the appraisal, the settlement procedure is for your particular policy, and the accuracy of the information on your appraisal. If you have a jewelry item valued at more than the $1500, you should definitely consider scheduled as opposed to unscheduled coverage.

The critical issue for scheduled property coverage is the how accurate is the information on the appraisal.
1) If the information on the appraisal is vague and general, the insurance company can replace the item with an item that satisfies the description but perhaps is not the quality and true value of the lost item. Be sure your jewelry appraisal has a detailed and accurate description of the jewelry item.

2) If the appraisal value is artificially high, the insurance company can replace the item at their cost even though the client paid premiums for years on a value twice as much. This is often the case for purchases from a jewelry store with prices double other retailers and the store provides an insurance appraisal even higher than the purchase price. You do not need an appraised value more than 150% of the price you would pay at low priced online retailer.

3) If the appraisal value is too low, the insurance company can make cash settlement that might not cover the current replacement cost of the item. This could be the case for items purchased three or four years ago from a low price online retailer and the appraised value was at or below the purchase price. With diamond prices increasing about 10% a year recently, it does not take long for appraisal values to be out of date if too close to online retail purchase prices. Be sure to have your jewelry insurance appraisal updated every four or five years so you do not end up underinsured.

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Music To Your Eyes: Diamond And Sapphire Engagement Rings

Written by author on Wednesday, October 28th, 2009 in Silver Jewelry.

Sonny and Cher, Fred and Ginger, chocolate and peanut butter…some things are just meant to go together. And diamonds and sapphires are no exception. With so many choices, a diamond and sapphire engagement and wedding ring set can go down in your personal history with as much romance and excitement as Antony and Cleopatra…with a much happier ending, of course!

No need for the blues, with sapphires you can branch out into a variety of melodies. While sapphires are usually associated with the deep blue only a sapphire can exude, sapphires cover a large portion of the rainbow from purples to reds to oranges and yellows. Imagine the glitz and glitter of a brilliant white diamond surrounded by a sparkling ruby sapphire…there’s something you’ll enjoy looking at for years to come! And if you love the idea of a colored diamond, such as a pink or yellow, you can find the perfect complimentary sapphire to create an elegant sunset on your finger.

On the bright side, if the cost of a colored diamond is too much to consider (at least for now–always keep your options open!), consider a colored sapphire instead. The main attraction could be the yellow or pink sapphire, supported by a brilliant chorus of smaller diamonds, and no one would know the difference unless you chose to reveal your brilliant secret!

Or consider this–if your heart’s desire is a pink or yellow diamond, but you’re not dating a movie star (for which you may want to thank your lucky stars), you can create the “look” without the price tag. Set a smaller yellow or pink diamond in the center and surround it with the same color of sapphires. This creates the stunning yellow or pink glow you’ve got your heart set on, but significantly lowers the cost. You can have that ‘two million’ look without emptying your bank account (or putting yourself in debt that will last as long as the marriage).

Sapphires are pretty study rocks, too–only second in hardness to diamonds, which means you can mix ‘em up as much as you want and be confident that your ring will last for years to come, just like your favorite classic tune that never goes out of style.

Need another reason to consider the diamond/sapphire duet? The rocks are gorgeous and can be put in any kind of setting you prefer and still look great. Whether you like to dance to the beat of your own drummer or prefer the classic sounds of Mozart, you can combine your diamond and sapphire choices in a way that will make your heart sing for years to come.

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