STERLING SILVER: Also known as "Standard Silver," sterling silver is silver alloyed with other metals to increase the hardness and durability. Generally, sterling is 92.5% silver and 7.5% other metals. Some sterling silver jewelry is plated with 14kt-18kt gold and referred to as "vermeil," or "gold over sterling."

POST/CLUTCH: An earring with a post insert and a slide-on clutch backing to hold it in place.

TOPAZ: Available in a stunning selection of shades, the topaz's sky blue hue is one of the most popular colors for jewelry designs. Once thought to offer protection, today topaz is favored for its durability and affordability. Yellow topaz is the birthstone for November while blue topaz is for December.

EMERALD: the birthstone of May, and from the beryl mineral family, the emerald has been a prized possession of royalty since ancient times and a good quality emerald can be as or even more expensive than a fine diamond of the same carat. Emeralds are considered the traditional gift for the 55th wedding anniversary.