Planning a gift of jewelry? Whether it's for sweetheart or yourself, build in time to compare prices and quality. A gift of jewelry can be expensive. If you're not familiar with any jewelers in your area, ask family members, friends or co-workers for recommendations . Also, when ordering online and you've never heard of the seller, check on its reputation with the Better Business Bureau or the state attorney general's office. When you're shopping, ask your salesperson to write down any information you might rely on to make your purchase. And before you buy, ask for the store's refund and return policy . When ordering online, keep printouts of the web pages with details about the transaction, including refund and return policies if you're not satisfied.