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.

RUBY: A bold fiery stone, the ruby is a symbol of wealth, vitality and love. When cut and polished, the ruby's high luster is as dazzling as a diamond's. Ruby jewelry makes the perfect gift for loved ones and is the birthstone for July.

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.

SAPPHIRE: A favorite gemstone of ancient priests and royalty, the sapphire radiates sophistication and grace. This prized gem comes in every hue of blue, plus the more unexpected shades of pink, yellow, green and orange, and is September's birthstone.