Selecting fine jewelry can be a daunting process, but shoppers can find beautiful rewards by shopping wisely. The first step is to determine what you want and set a budget for the purchase. Then do your research on that item, and don't be afraid to leave your wallet at home and just browse around.

"Shop around to educate your eye before making a decision," said Antoinette Matlins, an internationally respected gem and jewelry expert, author and lecturer. "Learn what really appeals to you, and familiarize yourself with current styles."

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