6 Things You Should Know Before Buying High-End Jewelry

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There are certain things you can’t get away with when you’re a grownup, and you have to face the truth: it’s time you invested in some grownup jewelry!  It’s totally normal to still have those favorite fun and funky pieces you may have found while thrifting, but purchasing even one top-quality piece of jewelry that you can have for years has the power to take you from barely out of teeny-bopper to one chic and sophisticated woman. Give some thought to these six things before you commit to the purchase!

Invest In Everyday Wear

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Before you splurge on that platinum-spiked necklace only fit for the finest of punk rock concerts, it may be best to tone it down and think of what you can wear for work and pleasure. Just like there are clothing styles that never go out of style, some jewelry will never cease to be in vogue. If you rarely change your earrings, you’ll want to invest in a good pair that won’t irritate your skin. Go for a pearl or diamond – either can be dressed up or down for any occasion! For jewelry that’s more for play, like music festivals or super-flashy pieces that can only be worn for special occasions, think about borrowing from a friend or going the less expensive route. If you won’t wear it frequently, don’t invest too much in it!

Factor In Insurance Costs 

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The last thing you may want to do after shelling out hundreds of dollars is to hand over more money for an insurance policy for the jewelry. And while the chances of something happening to your earrings or ring may be slim, you never know when a prong could break, leaving your ring or earring without that beautiful gemstone or pearl. The cost to insure really depends on the piece of jewelry you purchase. First check your homeowners or renter’s policy to see if jewelry is covered under theft or fire. If it isn’t, then it’s time to call your insurance agent!

If you’re planning to insure, remember to keep the following:

  • Pictures of the jewelry
  • An appraisal of the jewelry
  • Certificate for any of the gemstones or valuable antique jewelry
  • Original receipt of the purchase

Ditch Gold, Go Platinum

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For jewelry you plan to wear hard and for a lifetime – like an engagement ring or wedding band – it may be best to take a deep breath and take the plunge into platinum. Platinum is a beautiful metal with a high purity rating, which means it is hypoallergenic. All in all, while platinum and white gold may appear the same to the untrained eye, platinum is more durable and can withstand harder wear than white gold over time. Necklaces and earrings don’t take near as much wear as rings do (think about it: we use our hands for just about everything in life), so don’t feel like every single piece you buy has to be forged from platinum.

It’s Good to Cut Corners When It Comes to Gems 

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While that 1.05 carat diamond may be calling your name when you’re out shopping around, the price tag on that .95 carat diamond is MUCH more appealing. So why does .1 of a carat make such a large difference in the price even though the size difference is barely noticeable? It’s because of perception. Jewelers have a much easier time selling upscale jewelry for the luxury-seekers if it comes with an upscale price. It’s just like BMWs and Audis – are they worth the large price tag? To some people, yes. But if you’re okay with getting an upgraded model of a Kia, then you can get a pretty good deal. Is it a BMW? No. Is your ring a full carat or two carats? No. Is it still beautiful? Most likely, yes. It’s the perception behind the numbers. The setting of a stone can do a lot for it, so even if you can only afford a .5 carat diamond or gemstone, think about the setting you want it in.

Don’t Buy On Your First Trip 

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Want to look like a complete newbie when buying jewelry? Buy the first time you go to look. If you walk in and purchase right away without bartering or discussing the piece, you’re shelling out more money than you need to. This statement rings true even for very expensive pieces (like $10,000+ jewelry items). Jewelers would LOVE for you to buy on the first or second visit you make, but you have to force them work for the sale. Ask questions, take their business card, and tell them you’ll be back in once you think about it. On your third or fourth visit, throw out a figure, but make sure it’s low. Don’t be afraid of haggling or even offending the jeweler – most likely, they’re just pretending to be offended by your offer. Mark up on jewelry varies on the type of piece you’re buying, so do your research. If you and the jeweler can’t strike a deal, leave and return at a later date. Some jewelers are more willing to budge than others, so shop around. Your wallet will thank you later when you do find common ground!

Remember: Jewelry Needs Some TLC 

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Just like a home or car, jewelry needs maintenance, too. Ask your jeweler before you purchase if they’ll provide you with free cleanings and inspection on the piece each year. Most jewelers will give you this courtesy, so it’s not out of line to ask. Regular cleanings, especially on rings, can be trans-formative on pieces. Make sure you have a jeweler look at any clasps or settings before the sale to ensure they are secure, and have the piece gone over once a year if you wear it frequently. Take note if you notice anything funny while wearing it to take it to a jeweler immediately. Better safe than sorry!

When you’re ready to purchase a high-end piece of jewelry, make sure you do your research on the product and the jeweler. Word of mouth referrals are always best, so ask your friends and family where they would go to find a stunning item at a good price!

– The Fashion Supernova

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