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."

18KT: Karat (abbreviated kt or K) is a unit that indicates the purity of gold in the metal. 18kt is 75% gold. In Europe, 18K yellow gold is most favored and used in jewelry.

GOLD OVER STERLING: Sometimes referred to as "vermeil," this metal is gold-plated sterling silver. It is one of the most desirable gold-plated metals and can come in 14kt-24kt yellow, white, or rose.

ROCK CRYSTAL: A sparkling, clear gemstone, rock crystal has been valued for thousands of years for its beautiful shine and versatility. For jewelry designs, rock crystal can be cut to offer the same icy appeal of a diamond, at a fraction of the cost.

QUARTZ: From the icy shimmer of rock crystal quartz to the delicate pink of rose quartz to the moody hues of smoky quartz, this gemstone offers something for everyone. Quartz, found in endless colors and varieties, is a popular choice for bracelets, necklaces, rings and earrings.

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.

AMETHYST: A natural variety of quartz, amethyst ranges in color from deep purple to pale lavender, and even to warm greens. Amethyst has been used during meditation to provide a sense of spiritual balance. Amethyst is the birthstone of February.

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.