What Is An Appraisal And What Types Of Appraisals Are There?

By: Nikki Riela April 19, 2019

An appraisal is a document that states the relative quality of an item - in this case a piece of jewelry - and assigns a value to it along with a description of the piece. These descriptions often times - if not always - include the visible, measurable, and analyzable facts about the piece of jewelry being appraised. This includes the weight, materials and any special markings.

Appraisals will also include the features of the item at stake including gemstone quality, rarity, etc. Keep in mind that appraisals are not the same thing as diamond/gemstone grading reports. 

Today, most appraisals that are done are for insurance purposes a.k.a insurance replacement. The reason why people insure their jewelry is to have the value of the item returned, therefore, insurance appraisals show (or should show) the realistic cost of replacing an item in a store that sells items like the one being replaced. 

When getting an appraisal written up make sure to take your items to a jeweler that has some type of appraisal training. On-site gemologists, like Master Jeweler Jay Garcia, will identify your gemstones and determine values for insurance purposes, estate tax evaluation, value comparison and so on. 

Here, at Jay’s Fine Jewelry, we offer different types of appraisals including Insurance Appraisals, Estate Tax Evaluation, and Verbal Appraisals also known as Fair Market Value Appraisals. With FMVA or Verbal Appraisals the price or value represented is the item’s current value in the condition that it is in (used). These normally run lower that retail replacement values (insurance appraisals) because with a FMVA you are not looking to replace the item with a new equivalent. 

Have any jewelry that needs appraisal? Bring it on in and we’d be happy to help!

Jay Garcia
What is Rhodium?

By Nikki Riela | April 11, 2019

This is a question that we constantly get when we get gold jewelry that needs buffing and polishing or when a customer comes in and says “I love this piece but I don’t like the yellow gold, is there anything we can do to change that?” The answer is YES! 


But, let’s take it a few steps back. What exactly is Rhodium? Rhodium is a silver-white metal that is hard and part of the platinum family on the periodic table. It’s wonderful because it resists corrosion and oxidation in moist air - unlike sterling silver. Rhodium also increases the durability when used as a plating on other jewelry.


Rhodium plating is most commonly added to white gold or silver jewelry - the most common pieces of jewelry that get Rhodium plated are engagement rings and wedding bands - this increases the shine and durability and of course takes a yellow gold piece of jewelry to white. Sterling Silver jewelry is often plated to prevent tarnishing. 


A huge upside to Rhodium plating is that it is nickel free, which makes it hypoallergenic. 

The one downside of rhodium plating is that although it can increase the shine and durability of your jewelry it is only a plating, which means that over time it will come off and you will eventually need to replate your jewelry. Keep in mind that although replating is done every few years but depending on your body chemistry the plating may need to be re-done more often. 


Have something that you would like to have plated? Come on by and we’ll be happy to help you!

Jay Garcia
CLIQ: Helping you find the perfect ring fit, every time

By: Nikki Riela | April 5, 2019

CLIQ (formerly known as Superfit) is a company that has created a mechanism for rings that allows the shank to open up with a nearly invisible hinge and close at the base of your finger avoiding having to slide it over those enlarged knuckles. CLIQ calls this: “the secret to a perfect ring fit”. 

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Normal ring sizing is done to ensure that the ring can get over the knuckle rather than sit properly at the base of the finger without spinning and turning (especially for those top heavy rings).

This is the perfect solution for people who suffer from arthritis and have trouble wearing their rings comfortably. Pregnancy is also a great excuse to get the CLIQ mechanism installed as well as size fluctuations, weather and temperature fluctuations or even if you just prefer to have that comfort of having the perfect fit.

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The CLIQ shanks allow you to open and close them around the base of your finger without sacrificing the look and feel of precious metal while blending right into the design of the ring. Not only is it super simple to put on your finger, it’s also safe and easy to take off. When you put your CLIQ ring on your finger you will hear that satisfying “click” that allows you to know that it is securely closed. To open it, simply press the little dimple with the CLIQ pen that you receive and the ring will pop right open for you. 

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Feel free to stop by the store so that we can help you take the first step towards true ring comfort.

Jay Garcia
Jewelry Care: Keeping Diamonds Looking New

By: Nikki Riela | February 26, 2019

Photo courtesy of: Stuller

Photo courtesy of: Stuller

 Did you know that diamonds are the hardest substance on Earth? However, they are not indestructible – hit it hard enough or at the right angle and your diamond will chip. Proper care is vital to give your diamonds the longest life possible.

Storing Diamond Jewelry –

To properly store your jewelry, use a fabric lined jewelry case with separate compartments. Do not let your diamond jewelry touch/rub against other jewelry as it will cause scratches. If you do not have a fabric lined jewelry case, you can wrap your pieces in acid-free tissue paper or use jewelry pouches.

 Make sure to have your jewelry professionally inspected and cleaned at least once a year to preserve the lifespan of your jewelry. Keep in mind that creams, skin oils, soaps, etc. will cause build up and will make a diamond dull.

Photo courtesy of: Stuller

Photo courtesy of: Stuller


Keeping Diamonds Clean-

The first rule of diamonds is “DO NOT TOUCH YOUR DIAMOND”, If you do need to touch it do so sparingly. The oils on your hands will alter the way a diamond looks. Clean your diamond often – it is as simple as soaking it over night in an ammonia-based cleaner (Windex) and then lightly brushing it to remove the dirt, follow this with a quick rinse in warm water.

 Make sure you keep your diamonds away from chlorine, bleach and any other harmful chemicals that could change and ruin your jewelry.

Photo courtesy of: Stuller

Photo courtesy of: Stuller


General Care –

In this section we will briefly mention things to avoid that should be general knowledge but some of us forget these things more often than we care to admit.

·      Do not wear your diamond jewelry while doing rough work (gardening, working out, etc.) as any hard blow will chip the rock.

·      Never wear your jewelry into pools or hot tubs as the chlorine will damage and discolor the mounting.

·      Remove your jewelry when cleaning or wear cleaning gloves as chemicals will also discolor and damage the mounting and make your diamonds dull.

Photo courtesy of: Stuller

Photo courtesy of: Stuller


All of these tips and pieces of information will help your jewelry’s life span and will keep all of your pieces looking brand new!

Jay Garcia
The 4 C's of Diamonds

By: Nikki Riela | February 13, 2019

Everything you need to know before making the big purchase

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Do you know your diamond C’s? Have you ever heard of the 4 C’s of diamonds? Well if you answered no to either one of those questions you are in for a treat.

 The 4 C’s of diamonds are as follows; and we will be going over each one in depth in this order:

1.    Cut

2.    Color

3.    Clarity

4.    Carat


This is the number one most important part to consider when purchasing a diamond. The cut of a diamond is what creates that sparkle and fire that we all look for in a diamond. Without a high cut grade, even high-quality diamonds may look dull and there will be no reflection of light. Diamonds that have the proper proportions will return light out of the top of the diamond; meanwhile, diamonds that are cut too shallow will leak light out of the bottom and diamonds that are cut too deep will leak light out of the side.

There are many different shapes that you can choose from when diamond shopping and these are all the different diamond cuts available. All of these are beautiful in their own way and feature unique bits. There are three main categories: brilliant cuts, step cuts, and mixed cuts.

·      Round – the most popular and classic diamond shape. This shape features multiple facets that allows for enhanced brilliance. This shape is also very popular because it is very durable and less likely to crack or chip as it has no corners to catch on.

·      Princess – this is the second most popular shape of diamond. Princess cut diamonds look larger than say round cut diamonds due the size of the of the top of the diamond.

·      Emerald – this specific style highlights the clarity of the diamond and shows off the beautiful step cut of the diamond.

·      Ascher – has a unique shape that highlights the clarity just like the Emerald cut does.

·      Marquise – this is a beautiful cut that not only maximizes carat weight (meaning a bigger looking diamond) but also elongates and make fingers look more slender.

·      Oval – these show off their beautiful brilliance and just like marquise maximize carat weight.

·      Radiant – this beautiful cut is known for its trimmed edges and their 70 facets, making these diamonds very unique.

·      Pear – this unique cut is a hybrid between the round and the marquise cut and just like the round cut it is known for the high sparkle.

·      Heart – a distinctive choice and a very unique one, however with this style of diamond may show the color of the diamond in the corners more than any other cut so you should choose a higher color grade when working with a heart shaped diamond.

·      Cushion – its rounded corners make it unique in its own, this cut has larger facets that increase brilliance and highlight clarity.

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The second most important part to consider when making such an important purchase is color. The highest quality diamonds will be considered colorless meanwhile, lower quality diamonds will have a noticeable color (pale yellow). The GIA or Gemological Institute of America uses a color grading scale that goes from D-Z. D being colorless and Z being a naturally yellow or brown diamond. Since D rated diamonds have no color they are also very rare and therefore much more expensive than say an I or a J. The most popular color grades are G and H as they are both near colorless making their price be lower but still an excellent value. As you can imagine, the further down you move on the color chart the more noticeable the color is.


The clarity of a diamond is the assessment of the small imperfections whether they are on the surface of the diamond or internal. If these imperfections are located on the surface of a diamond they are called blemishes and internal imperfections are called inclusions; these are all natural and all diamonds have some type of imperfection in it that makes each diamond unique. Of course, there is a grading system for these imperfections and the least amount/smallest inclusions will give you the highest clarity grade. There are 11 clarity grades and they are as follows (in highest to lowest grade):

1.    FL (flawless)

2.    IF (internally flawless)

3.    VVS1 (very very slightly included 1)

4.    VVS2 (very very slight included 2)

5.    VS1 (very slightly included 1)

6.    VS2 (very slight included 2)

7.    SI1 (slightly included 1)

8.    SI2 (slightly included 2)

9.    I1 (included 1)

10. I2 (included 2)

11. I3 (included 3)

Keep in mind inclusions are tiny carbons that are inside the diamond and cannot be removed nor added.

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This refers to weight and not necessarily size. Keep in mind that a high carat diamond with a poor cut will look smaller than a well-cut diamond. In order to maximize your budget you can select a carat weight slightly below the whole and half marks (i.e. 1.90ct or 1.40ct).

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All of these pointers should make your diamond buying endeavors much easier and enjoyable. Should you need any assistance purchasing a diamond/engagement ring please feel free to call Jay’s Fine Jewelry at 772-878-8134 or stop by the store at 1625 NW St Lucie Blvd, PSL 34986.

Jay Garcia
Jewelry Care: Maintaining Your Gold Jewelry with Colored Stones

By: Nikki Riela | January 26, 2019

Colored stones need some lovin’ too.


Since many natural gemstones are color enhanced after extraction, cleaning them gets a bit more complicated than just soaking your jewelry in a soap and ammonia mixture.


The best way to keep your colored stones looking beautiful is by taking them to your jeweler periodically for a professional cleaning, tightening, and polishing of the pieces. This will ensure that not only your pieces are physically looking better but they are all safely set.

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If you can’t get to your jeweler for one reason or another you can still keep them looking new by following these easy steps:


1.    Mix water and a few drops of dishwashing soap in a saucepan or boiling-safe container

2.    Place your saucepan or boiling-safe container on the stove and bring to a simmer (DO NOT LET IT BOIL)

3.    Place your jewelry in a strainer and place the strainer in simmering mixture

4.    Let the jewelry sit in the simmering mixture for about 10 minutes periodically gently shaking the strainer while jewelry is still inside the liquid

5.    Air dry or pat dry with a soft cloth or paper towel


These five easy steps will help you keep your jewelry clean until the next time you can visit your jeweler.

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Jay Garcia
Jewelry Care: Maintaining Your Gold
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By Nikki Riela | February 5, 2019

When it comes to gold jewelry, making sure you are taking the proper steps to maintaining it will ensure you give your pieces a long life.

Maintaining your jewelry seems easy and something you can do without putting much thought into it, right? Wrong! In order to give your jewelry, the longest life possible, proper cleaning is the first step.

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The best way to clean your gold jewelry is using jewelry cleaning that can be purchased at your local jeweler (or at https://www.jaysfinejewelry.com/acces/jewelry-cleaner-liquid). Jewelry cleaners are specifically made for your gold or silver jewelry and they are intended for deep cleaning your pieces. However, you should NEVER put silver jewelry in your gold jewelry cleaner as this will ruin your both your silver and gold. You should have one jewelry cleaner designated for gold and one designated for silver.


If you do not have jewelry cleaner around there are safe DIY methods of cleaning your gold jewelry at home. We have a few tips and tricks down below that may help you with the process.


1.    In a bowl mix Dawn dishwashing detergent with lukewarm water.

2.    Add a couple of drops of ammonia (not too much as it’s not healthy for us)

3.    With a new, very soft toothbrush (children’s brushes work great) carefully and lightly scrub your piece

4.    Rinse with lukewarm water

5.    Let your jewelry air dry or lightly dry it with a piece of cloth

(REMEMBER: gold is soft so be very gentle during the cleaning and drying processes)




Soap – although DIY cleaning instructions call for Dawn dishwashing soap, other soaps such as hand soap and body wash will accumulate and create a film on your jewelry.


Chlorine – pools, hot tubs, and even cleaning bleach could permanently discolor (tarnish) or damage your jewelry.


Unless your gold pieces are 24K gold, these substance could cause them to eventually tarnish as they are not 100% pure gold and contain alloys.


With these tips you are guaranteed having beautiful and sparkly jewelry for years to come!

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Jay Garcia