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Buying Rule: Downgrade the Diamonds in Studs

The second most requested piece of jewelry (after an engagement ring) is a matched set of diamond stud earrings. Elegant, timeless and worn with everything, diamond studs are a staple of every woman's jewelry collection. Unlike her engagement ring, which she'll show-off and look at herself one million times during her lifetime, she will never see the diamonds in her ears. And no one else will closely examine those diamonds either. So it's okay to downgrade the quality in exchange for a larger pair.

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