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."

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.

CUSHION: A gemstone that features a rounded square shape. The facet arrangement can be either a type of modified brilliant cut or a checkerboard pattern.

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.