Ruby doesn’t need any introduction – it is one of the most precious stones, which can shine brilliantly in a necklace and at the same time glow with a subtlety in a ring. Ruby and red go together and it can ignite a thousand desires that will light your candle of passion without your having to say a word. That’s the magic of a ruby.

Being one of the rarest stones, it is precious and expensive but ruby has a beauty that can’t be expressed through words. It represents a power that comes with the red color, the color of blood, the color of an enchanting sunset and the color of love. The best ruby though is the fine ruby, which is born out of chromium. What chromium really does is that it breaks up the stone from inside to give it the perfection that comes with the name. You can recognize a good ruby from a bad one by looking at the color saturation. A good ruby will always have a high color saturation, which occurs due to the mixture of a red fluorescent emission and a bluish red body color.

We all relate to the ruby for the red glow but did you know that it is one of the rare and glorious accidents of nature. This red glow is the reason why ruby is so popular. In fact the Thai and the Cambodian rubies are purer versions of red, but they lack the fluorescence that some rubies are famous for. Most of the stones possess a certain degree of extinction but a fine ruby with its crimson fluorescence can mask it. Some of the best Burmese rubies glow with a red that is quite unfound and bathe in a red fluorescence that paints its entire glory right across the face of the stone.

The value of a ruby is determined by the intensity of the red color. So when you are buying a ring that has a ruby in it, the more intense the color, the more expensive it will be. The color will be intense without being too dark or too light. Another thing, you need to check while buying a ruby is the clarity. The general rule is that when you look into the stone, there should not be any inclusions. If there are any inclusions and it is visible to the naked eye then don’t buy it. The third most important and decision making factor is the cut. You will find rubies in different shapes and styles depending on how they have been cut. The most common type of cut is the oval one but you will also find round ones and the emerald cut.

Apart from the imperial jadeite and some rare diamonds, ruby is next most expensive gem in the world. The best quality ruby comes from the following countries:

1. Mogok, Burma
2. Sri Lanka
3. Madagascar
4. Nanyazeik, Burma

So when you are buying a ruby ring, necklace or any high quality jewelry containing ruby, be rest assured that it will sparkle with an intensity that can be next only to your passion or love.

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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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Diamonds are extremely hard and durable. Take care of your diamond by avoiding breaks and scratches and keep it clean. With good care, your diamond will have the same sparkle and beauty in ten, a hundred or a thousand years. Diamonds do not fade, tarnish or wear out like most materials. The secret to keeping a diamond’s sparkle is keeping it clean.

Diamonds are the hardest natural material. Only a diamond can scratch a diamond. Use great caution when wearing multiple diamond rings on the same finger. If the diamonds of one ring touch diamonds in another ring, both diamonds will likely end up scratched in a relatively short time. If you have a diamond wedding band next to your diamond engagement ring, be sure their design allows them to fit together so the diamonds do not touch.

The next most dangerous place for diamonds scratching each other is in the jewelry box. Do not throw your diamond rings, diamond earrings, and diamond bracelet together. Since diamonds will scratch diamonds, think of what they can do to other gemstones and precious metals. Keep your diamond jewelry in separate compartments or isolated by soft cloth to keep them from rubbing each other.

While diamonds are very durable, they can break or chip. You would not let someone hit your diamond with a steel hammer but your diamond ring faces the same type of danger every day. File cabinets, metal seat belt buckles, and car doors are just a few of the metal surfaces that can hit a diamond in the course of a normal day. Avoid sharp impacts with hard surfaces and you will avoid chips and cracks in your diamond.

Diamonds are natural grease attractors. Some diamond mines separate diamonds from the broken rocks by running the material over a conveyor belt covered with a layer of grease. Diamonds stick to the grease and the rocks slide off. At the end of the shift, they remove the grease and melt it away, leaving the diamonds.

Remember diamond’s attraction to grease when you touch a diamond with your finger. The oil from your fingertips will coat the diamond and reduce the sparkle. The same is true when your diamond ring touches the oil in your hair. Hand creams, lotions, hair spray, soap, and grease from food will create a film on your diamond that hides its beauty. When you put your hands in dishwater, the dirt and grease in the water will adhere to the diamond. Dust and powders also cling to diamonds.

Fortunately, diamonds are easy to clean. Put your diamond jewelry in a warm solution of mild liquid detergent and water. You can also use the containers of “Jewelry Cleaner” available at jewelry and department stores. These typically have a small basket the ring can sit in and a small, soft brush to clean the hard to reach places around the diamond. Swish the ring around in the solution, rinse it with warm water, and dry the ring with a lint-free cloth. While chemicals will probably not hurt your diamond, harsh chemicals like chlorine or bleach can weaken and discolor the metal in the jewelry. Keep in mind that swimming pools and hot tubs usually have high levels of chlorine and are not a safe place for jewelry.

There are many types of ultrasonic cleaners available to the public today. The piece of jewelry sits in a basket of water and detergent. The ultrasonic cleaner produces high-frequency turbulence that is an excellent way to clean the hard to get at part of jewelry. Not all gemstones are as durable as diamonds. Never put soft materials like emeralds, opals and pearls in an ultrasonic cleaner.

With a little common sense and regular cleaning, your diamonds will keep their sparkle and beauty for years of enjoyment.

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Cubic Zirconia has long been recognized for its amazing ability to simulate diamonds. In fact, these lab created gems are more flawless than diamonds found in nature, and can be cut to refract light even more perfectly than real diamonds. For consumers, CZ stones are an eminently affordable alternative to diamonds.

Because of the simulated stones’ popularity, those who make jewelry - whether earrings, necklaces, rings, or pendants - are designing ever more beautiful settings for the synthetic gems. The low wholesale cost of loose cubic zirconia allows jewelry designers to create ever more elaborate pieces.

In addition to being able to buy loose cubic zirconia at wholesale or below wholesale prices, jewelry makers appreciate the dazzling array of colors and cuts that are available for CZ stones. For example, amethyst, violet, and lavender cubic zirconia are all shades of purple, while aqua and tanzanite are gorgeous shades of blue. Citrine and champagne are both in the yellow-gold range of colors, emerald and peridot are green, and garnet is a deep, rich red color.

The colors of these synthetic gems are obtained by adding an “impurity” to the CZ stones, such as a metal oxide. For example, erbium may be added to create a pink color, or neodymium might be added to create purple. Similarly, chromium can be added to make loose cubic zirconia stones green, and cerium may be added to create yellow, orange, and red lab created gems.

Of course, many jewelry makers and consumers prefer the brilliant clear cubic zirconia. Similar to diamonds, these white CZ stones are graded according to quality. Cubic zirconia AAAAA is the highest quality, followed by CZ AAA and cubic zirconia A.

Although the way a diamond cutter and polisher cuts a gem-quality diamond is in large part determined by the imperfections of the rough stone, those who manufacture loose cubic zirconia don’t face the same constraints. For that reason, the variety of cuts of CZ stones is remarkable, as it the beauty and brilliance of the cut stones.

Some cubic zirconia cuts very much resemble those of diamonds, while others are more unique. Loose cubic zirconia cuts include oval, round, heart, octagon, marquise, square, star, pear, and trillion.

When it comes to lab created gems, cubic zirconia is only the tip of the iceberg. In addition to synthetic diamonds, simulated blue sapphires, alexandrite, and tanzanite, all made from corundum, are also popular. Likewise, simulated stones like coral, emerald, garnet, lapis, and emerald have gained widespread acceptance among both jewelry makers and consumers.

With the exceptional quality of CZ stones, their low wholesale cost, and the incredible selection of colors and cuts, it’s easy to see why loose cubic zirconia is often the stone of choice for jewelry designers and consumers alike.

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After acceptance of the marriage proposal it is time to seal the deal and make it all official

Besides the vow exchange it is the offering of the gold weddings bands that put the finishing touches to a perfect day. This part of the service is where the marriage is finalized/bonded, infinity together forever till death do us part. Before the marriage takes place be sure that you feel good about your choice of wedding bands.

We dont want know last minute hiccups so whatever your preference when buying gold/silver for the wedding band is, for you both to be satisfied with the style. If you are happy with the choice of ring that leaves a smile on your face then let us pray that the smile stays forever through out married life. No doubt it will if you get right.

Because the wedding band is made of different materials you may find it hard on what to pick. Popular choice among young couples today is the white or yellow gold, should you opt for a 14 karat gold wedding band then remember it is not entirely made purely of gold. A mixture of alloys such as copper and silver may well be present.

Silver and platinum Wedding bands are on the increase, not far from taking the number one spot for popularity when sealing those wedding vows. Platinum is far from a light material and is supposedly known as one of the most precious metals. Platinum is a stunning white metal used in wedding rings which radiates beauty for all who adorn themselves in it.

Why is Silver not classed as superior or upper market in quality, the reason being is silver is a soft metal. Discoloration in Wedding bands made of silver is not rare so be sure that this is what you want when choosing silver. An added bonus for silver lovers is it is far less expensive than other materials.

The thickness of the Wedding band is an important factor that has to be taken into account when the bride and groom make their selection on the wedding band design.

It is not unusual for both parties to choose the same wedding style; it is common in weddings today. Expect the woman’s wedding band to be slightly smaller than that of the male unless the female resembles shrek. If you have any concerns or question that need answering regarding rings then pop along to a professional jeweller for advice before making any decision, this way you receive expert opinion.

Why not go mad and follow the flow with engraved wedding bands, remind yourself before any metal artwork goes ahead that the dedication has meaning and comes straight from the heart, as you do not want to change it at a later date if your feelings change. So choosing the right words to say what you feel has to be carefully planned.
Wording like devotion, initials, dedications, symbols, are fine examples for the engraving process.

Jewellers specialise in ready made wedding bands, if by chance you have something else in mind for the style then ask. Jewellers make wedding bands to a couples specific design requirements. You may find by doing this it could be a lot cheaper than purchasing the rings from a store.

So many rings have different titles like the wedding/engagement/signet ring etc. If I had chance to walk down the aisle once again I would choose the ETERNITY ring over the wedding band. Well why not that is what marriage is all about.

P.S. If I had chance to walk down the aisle for the second time, I wouldnt (Joking). Now go seal the deal.

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Clarity is a measure of the number of the flaws in the diamond as well as how visible they are and their affect on the diamond’s overall quality. The characteristics that determine a diamond’s clarity can affect its sparkle and brilliance. The flaws that diamonds can often have are often referred to as inclusions. The inclusions of a diamond range from white and black dots on the surface of the stone to small cracks within in the stone and crystalline growth within the diamond. If you are searching for something such as diamond stud earrings where the diamonds will most likely be even more visible than that of a ring, a higher clarity on the diamonds may be wanted to achieve a brighter sparkle.

The GIA has a grading scale regarding diamond clarity, and it goes off specific criteria that are used to differentiate between grades.

FL: Completely flawless.

IF: Internally flawless; only external flaws are present, which can be removed by further polishing the stone.

VVS1-VVS2: Very Very Slight Inclusions. Only an expert can detect flaws with a 10x microscope. By definition, if an expert can see a flaw from the top of the diamond, it is a VVS2. If an expert can only detect flaws when viewing the bottom of the stone it is a VVS1.

VS1-VS2: Very Slight Inclusions. One can see flaws with a 10x microscope, but not easily.

SI1-SI2: Slight Inclusions. Inclusions are easily visible under 10x magnification. These stones are often “eye-clean”.

SI3: Slight Inclusions - This grade is only recognized by EGL and is not recognized by the GIA or other gemological institutions and may be graded by GIA as either SI2 or I1. SI3 diamonds never have any black inclusions or cracks visible to the unaided eye, but may have some very minor white inclusions which can be seen.

I1: Inclusions visible. An I1 clarity graded diamond will have a visible flaw which can bee seen with the unaided eye, but most of the time will only have one major flaw which will not be too obvious.

I2-I3: Inclusions high visible. These diamonds will have inclusions visible to the unaided eye and will have many black spots and appear cloudy.

Most of the flaws of a diamond are tiny imperfections that do not affect a diamond’s brilliance. If you are on a budget, it might not be worth it to get a higher graded clarity diamond, such as a VS1, rather than an SI2 grade because both are more than likely going to look the same to the unaided eye. You are only going to start seeing the imperfections under 10x magnification. If you are getting some new diamonds in addition to a diamond ring, such as diamond stud earrings, or vice versa, it is important to get the same or very similar clarity on the added diamonds to make sure they will match better and sparkle the same.

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When it is time to make that all-important step of proposing to that special woman in your life, you will need to invest in an engagement ring. Before you begin shopping for that perfect ring, you should know exactly what to expect, what to look for, and the various types of rings that are available. The first part of any engagement ring is the band; there are many different kinds of bands of different sizes, colors, and metals. The gems are just as ranged as the bands, they come in a variety of sizes, weights, cuts, and colors.

The first thought that comes to mind in an engagement ring, is a diamond. Of course, this is the traditional engagement ring; however, it could be any gem the couple chooses, it is all the matter of preference.

Selecting a Band

When selecting a band there are a few different types of metals you have to choose from, these include:

• Gold
• Silver
• Platinum

Each person has their own preference, some people prefer the traditional gold ring, others prefer the shine that silver or platinum can provide. Gold is perhaps the most popular of all metals when it comes to engagement rings. The gold within a ring is measured in karats. The most popular karat weight of gold is 14 Karats, though you can find gold rings that are 18 Karats and 24 Karats as well. Gold also comes in two colors, yellow or white gold. The drawbacks of gold are that it can bend very easily when worn and tends to lose its shine after a period of time.

Silver or platinum are extremely hard and does not bend as easily. Neither of these are as popular as gold is and typically costs more than gold as well. Platinum is popular because it generally never loses any of its shine nor does it tarnish in any way and is perfect for those that are allergic or sensitive to other metals.

Selecting the Perfect Ring

Here are a few tips you should consider when you are ready to purchase a ring for that special loved one.

1. If you have already proposed and are ready to purchase the ring, take your loved one with you when selecting a ring. This will allow her to have a choice in the matter and this way you will always have the perfect size and fit.

2. If you are purchasing a ring prior to the proposal, consider retrieving (also known as sneaking) one of the rings she already owns and taking it with you. This will help in making sure the ring will fit on that big day.

3. Furthermore, for surprise rings make sure that you take notice of everything about the love of your life. Take note of the type of rings she wears, small stones, large stones, or none at all. This will help your jeweler make suggestions on the ring you should consider.

Overall, it can seem like a daunting task in picking out that perfect engagement ring. Have fun with it and know that the end results could very well be spending the rest of your life with the one you love.

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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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Precious gems are beautiful and they last a long time and they are very valuable. Diamonds in particular shimmer in any kind of light, providing an exquisite treasure. Some people give a piece of diamond jewelry as the sole gem gift a loved one will ever receive. Others add a diamond gift to a long line of precious gems. Before bestowing diamonds as a gift to a loved one, here are a few tips to keep in mind.

Diamonds are usually very expensive. If you come across a diamond that is being sold on the cheap, you have to wonder why this is the case. It may mean that the cut is not the best quality or it could have poor point value. Perhaps the gem is even stolen! You have to be careful about where and how you purchase precious jewelry to ensure that you get your money’s worth in value. Check with several jewelry stores or diamond dealers. State up front how much money you have to spend and the type of gift you wish to make. The experts can help you make a good choice for what you have to work with.

Diamonds are for grown ups. Children or even teenagers rarely have a proper appreciation for diamonds. Perhaps diamond chip earrings would be an acceptable gift for older teen girls, but more lavish diamond jewelry should be saved for more mature wearers. A diamond necklace, brooch, ring, or bracelet conveys a sense of sophistication that younger women cannot often carry off. Save the gift of diamonds for a special occasion and an older girl.

Diamonds deserve special care. You don’t want to just fling a diamond ring in the jewelry box or leave it lying unprotected on a`dresser top. Preserve the beauty and keep it clean while avoiding scratches by placing diamond jewelry into velvet-lined boxes or containers. Depending on the size and value of your investment, your diamonds may need to be kept in a safe deposit box or vault at your local bank. You don’t want nosy workers or desperate thieves to make off with your prized possession. You may want to have your diamond priced or valued by an experienced jeweler for home insurance purposes. It also is a good idea to have it cleaned periodically, if needed.

Diamonds are for special occasions. Although they are often given on any occasion like a birthday or holiday, a diamond jewelry item is especially suited to commemorative occasions, such as an engagement or anniversary. Smaller diamond gifts can serve just about any purpose, but the larger, more valuable kind should not be handed off lightly. Give some thought to the meaning of your gift and what your receiver will think (as well as what you want him or her to think) before offering this unique token of affection.

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In the era of digital science, globalization and e-commerce, man’s life has stopped being the same old phenomenon. This starts looking more evident, if you compared today’s life with that of a quarter century ago. Apparently, we have more FM radio stations beaming out programs today, more digital cameras capturing human forms and nature, and more and more DVD players and iPods getting sold than ever before. Man’s life has surely been moving through a fast lane since we began living in the new millennium. This observation should stand true, at least, in the case of the developed and transforming nations.

One wonders how far in these circumstances could the age-old gadgets like wrist watches continue to survive on? One has got advanced cell phones that could conduct an amazing number of jobs, including time-keeping, if one tapped their fingers a few times around them. In fact, there is no need of even troubling one’s fingers these days, with so much of wireless technology playing its role. So where does the future of a mere time-keeping device like a wrist watch lie ahead in this transforming scenario? The answer could be found by affirming to the view that wrist watches were not solely time-keeping devices, but also a way of fashioning. This aspect becomes very clear if one looked inside the world of today’s designer watch segment. In fact, there are no simpler wrist watches available in the market anymore. Only brands of designer watches and their lookalikes are what one should expect to come across in the arena of watch industry these days.

You may have some very amazing watch designs to choose from a given variety of Rolex, Seiko, Von Dutch watches, Polanti watches, Giantto watches and similar other international brands. They make watches of all shades, sizes and price-tags that you may have the stamina to withstand with. All these companies offer designer watches that might range from several hundred to several thousand US dollars depending on one’s purchasing power. One may always select a designer watch either from a male or a female category that all these watch brands come forward with.

Besides, these companies make designer watches for all events in your life - from vacationing to partying, from getting into romance to marrying and from attending one’s workplace to having an evening out with somebody. Each of these occasions could be enhanced by carrying out a careful selection of the chosen designer watch styles. One might even get to have a custom watch designed by selecting a dial and a band from a given set of accessories. Moreover, some companies are also offering inexpensive watches these days starting from as little as $50.

With the millions of cell-phone users roaming throughout the world, designer watches are also being forced to include features like video games, digital cameras and calculators apart from being time-keeping machines. Various other features such as a digital display system, chronograph and an ability to withstand shock, water and scratch could also be seen inducted in the contemporary watch designs. The market for designer watch names like Polanti watches, Von Dutch watches and Giantto watches is continuing to grow as the world economy gains momentum with each passing year, and there are enough reasons to believe that this trend might continue to remain on the same course for many years to come now.

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