GOLD
- The word gold, used alone, means all gold or 24 karat (24K) gold. Because gold is soft, it is usually mixed with other metals to increase its hardness and durability.
The karat quality marking tells you what proportion of gold is mixed with other metals. The most common marks for gold jewelry are 18K or 750 (signifying 75% gold), 14K or 585 (58% gold), and 10K (42% gold). Ten karat gold is the lowest level allowed under U.S. law.
Be sure the item is clearly marked with karat weight and manufacturer.
Note if the item will be susceptible to damage in the future.
Be sure the karat weight of the item is listed on the sales receipt.
DIAMOND
-A diamond's value is based on four criteria: color, cut, clarity, and carat. Color is graded from colorless to yellow, cut is the way the diamond is fashioned, clarity indicates how flawless the diamond is, and carat is diamond weight.
Take the time to be educated about diamonds so you will understand where the best value is and why.
When discussing diamond grades with a salesperson, ask who grades their diamonds, what education and experience that person has and what other grading guarantees are offered. A second opinion is always helpful.
When viewing diamonds, never use a black background. Black changes the eye's perception of color. Always view the diamond under magnification and make sure you understand what you are seeing.
Comparison-shop before making your decision. Be sure you know how to evaluate the four C's (cut, color clarity and carat weight).
Ask the salesperson about diamond treatments. Diamonds can be fracture filled or laser treated to improve their appearance.
Be sure you get everything in writing. A sales receipt or appraisal with the quality of the diamond listed is considered a contract and is your only means of proving the quality of your diamond is what you have been told.
Read all warranties and guarantees before buying the diamond.
Ask for a certificate of replacement cost or an appraisal listing the qualities of your diamond to accompany your receipt.
