How to Care for your Jewelry

Jewelry is one of our most intimate and cherished accessories. Understanding how to care for and protect your treasured jewelry can make a world of difference in maintaining its beauty and keeping your heirlooms sparkling for generations to come.


Exposure to chemicals can damage or discolor precious metals – gold, silver and platinum – and may harm some colored gems. Even everyday substances like hairspray, lotion, perfume or other cosmetics can contain chemicals that will permanently damage the surface of your pearls and other delicate or porous gems (like turquoise). Fine jewelry should be removed before diving into a chlorinated swimming pool or before using household cleaners. Many of these cleaners contain ammonia, which can be too harsh for delicate gems or vintage jewelry. Chlorine bleach, another common household solvent, can pit or damage gold alloys.


Many colored gemstones are routinely treated to improve the appearance of color and clarity. These treatments can be negatively affected by heat, solvents, steam and ultrasonic cleaners. Knowing whether your gem has been treated is the first step to knowing how to care for it. This is where a GIA report comes in – it contains important information about your gem and any detectable treatments it may have undergone.


Most colored gems can be cleaned with warm water, mild dish soap (no detergents) and a soft brush. A pulsed-water dental cleaning appliance and a soft, lint-free cloth can also be used. Be sure to rinse your jewelry in a glass of water to remove cleaning solutions since you risk losing loose stones – or even an entire piece of jewelry – if you rinse directly in the sink.

Soft gems, such as pearls, on the other hand, can easily scratch. Use a new, clean makeup brush and warm, soapy water to softly clean them. Lay a strand of pearls on a towel to dry. The wet silk thread can stretch − and attract dirt − so don’t touch your strand until it is completely dry. Pearls worn often should be restrung once a year.

Pearl earrings, such as these American 14K gold, diamond and cultured pearl earrings, should be cleaned using an unused makeup brush and warm, soapy water.

Pawn History

Pawnbroking may not be known as the world’s oldest profession, but it certainly belongs in the discussion. Chinese records show that the practice of securing loans on property date back all the way to the dawn of the Western Han Dynasty in 206 BC.

These Chinese pawn shops were considerably more softhearted than their modern Western counterparts; borrowers could take up to three years to pay off their loans at modest three-percent interest rates.

Meanwhile, European pawnbroking began to flourish during the Middle Ages. The Norman Conquest introduced the practice to England, and the Lombardy region of northern Italy was another hotbed of pawnbroking. In fact, pawnbroking became so strongly identified with Lombardy throughout Europe that the term “Lombard” gradually became synonymous with “pawn shop” and “Lombard banking” was a widespread term for pawnbroking.

Anyone who turns to a pawnbroker to scare up some quick cash is in good historical company. Pope Leo X, a notoriously free spender, once had to pawn his own palace furniture and silver to cover his luxurious lifestyle and patronage of the arts. (It’s no surprise, then, that Leo X was at the helm of the Church when it gave the practice of pawnbroking the official thumbs-up in 1515.) In 1338 King Edward III hocked his jewels to raise funds for the English military at the dawn of what would become the Hundred Years’ War.

Pawning your possessions wasn’t just for the nobility, though. Many early pawnbroking efforts came in the guise of aid to the poor. The Catholic Church approved of pawn shops on the condition that they lend money to the poor at reasonable interest rates. England’s biggest pawnbroking operation in the 18th century was the Charitable Corporation, which was chartered in 1707 “to lend money at legal interest to the poor upon small pledges.” Within 25 years, though, widespread fraud and embezzlement from within the corporation bankrupted it.

Despite these high-profile customers and ostensibly noble aims, the spread of pawnbroking throughout Europe wasn’t an entirely smooth process. By the 17th century, pawnbrokers had developed shabby reputations as outlets for stolen merchandise, and starting in 1785 England began tightly regulating the industry. A London pawnbroker had to shell out £10 for a license and could only charge 0.5-percent interest rates, a figure that gradually climbed over the next few decades.


The mechanics of a typical pawn transaction are pretty simple. A customer brings in an item and uses it as collateral to obtain a relatively small cash loan. The customer than has a fixed period of time, usually a few months, in which he can return to the shop to pay off the loan with interest and retrieve the item. If the customer doesn’t pay off the loan, the item becomes the property of the pawnbroker, who then sells it in his retail shop.

Most people actually return to pay off their loans and pick up the item they pawned; in industry slang this process is known as “redemption.” Pawn Shops Today, which advertises itself as “The National Voice of the Pawn Industry,” pegs the national redemption rate on pawn loans at around 80 percent. Other stores like New York’s Pawn Shop of America claim redemption rates as high as 95%.

How are pawn shops staying in business if so little of the merchandise they bring in is hitting the stores’ shelves? The loans they’re making have pretty hefty interest rates. American pawn shops have their interest rates set at the state level, but they’re all fairly stout. In New York, for example, the rate is 4 percent per month, which adds up to a 48 percent annual rate. In North Carolina, the number is 2 percent per month, but additional storage and handling fees can be tacked on to raise the total to a staggering 20 percent per month.

Moreover, when loans go unredeemed pawnbrokers get their retail merchandise at bargain rates. A typical pawn loan is only for a quarter to a third of an item’s resale value, so there’s a pretty nice margin built into any item that ends up going out for sale in the shop.


If you’ve ever set foot in a pawn shop, you’ll recognize the pawnbroker’s familiar symbol of three gold balls suspended from a bar. The symbol is often attributed to the famed Medici family of Florence, but the real explanation is a bit trickier than that. Some sources simply attribute the three gold balls to a sign that Lombard merchants hung outside their shops; as “Lombard” gradually became synonymous with “pawnbroker” throughout Europe, the symbol took on a new meaning.

Another story traces the symbol’s origins back to the patron saint of pawnbrokers, Saint Nicholas. (Yup, the Santa Claus guy is also looking out for your local pawn shop.) According to folklore, St. Nicholas once gave three small bags of gold to a peasant so the man wouldn’t have to sell his three daughters into slavery. The three bags of gold became stylized as three gold balls, and the symbol stuck to the saint’s beloved pawnbrokers.

Pearls, Care and Cleaning


Pearl   pərl/ noun  

plural noun: pearls

  1. a hard, lustrous spherical mass, typically white or bluish-gray, formed within the shell of a pearl oyster or other bivalve mollusk and highly prized as a gem.
    • an artificial imitation of this.
    • a necklace of pearls.
    • something resembling a pearl in appearance.

“the sweat stood in pearls along his forehead”

  • short for mother-of-pearl.
  • a very pale bluish gray or white like the color of a pearl.
  1. a precious thing; the finest example of something.

    pearl necklace   stringing pearls

Care and Cleaning of Your Pearl Jewelry


  • Pearls should always be the last on and the first off.   This is to protect your precious gems from the harmful chemicals in perfumes, hair spray, lotions and other body products.
  • Store your pearls FLAT and away from other jewelry. Before putting your pearls away, wipe with a soft cotton cloth or leather chamois. (maybe slightly damp).
  • To give a more thorough cleaning, use a recommended pearl cleaner and follow the directions. Never soak your pearls in water or cleaner.
  • It is recommended to wear your pearls often, as the oils from your skin will keep the luster alive.
  • Pearls are a soft gem and will become dry and brittle over time.
  • It is recommended to get your pearls restrung yearly. Silk string and knotting between each pearl is best.
  • If you are caught in the rain and your lovely string of pearls get wet, gently pat them dry. Then put them flat on a soft towel to finish drying.


I hope this article is helpful for you. If you have any jewelry questions, please call and I will research and write an article for you!


For the best jewelry selection, at the best prices,  come see me!

Have a great day! I hope to see you soon at The Pawn Outlet









New Jewelry Out for Sale

Every Friday we place out for sale reconditioned to new jewelry.  Diamond rings, Earrings, Bracelets and Pendants.  Gemstone Rings, Pendants, Bracelets and Earrings.  Gold Chain, Earrings and Bracelets, Silver Jewelry of All Kinds!!  Save up to 75% from Jewelry Store Sale Prices!

Thank You!

To all our friends and customers, Thank You for making 2016 our most successful in our 26th year history!!

Jewelry at Wholesale Prices


Our Jewelry is priced calculating scrap value on Gold or Silver prices.  Plus the wholesale prices on any stones.  Buy Diamond and Gemstone rings.  Earrings, Chains and Bracelets at unbelievable savings.  We have new and restored to new pieces.  New jewelry is placed out for sale each Friday after it is fully reconditioned.  What is a better gift for the New Year’s then a new piece of Jewelry!