Save or splurge: Wardrobe

To get the most for your money, you need to know two things: when the good stuff is worth paying extra for and when the economy choice is plenty good enough.

18-inch freshwater strand<br>$100 to $150
Pearls
18-inch freshwater strand
$100 to $150
Save or spend: Save
Jewelers use five criteria to evaluate pearls: luster, surface, shape, color and size. Akoyas are extra-lustrous, and South Sea pearls are large; because both are rare, strands run $10,000 and up.

Freshwater pearls are farmed in large numbers, and unless they're examined side by side with other varieties, they look perfectly lustrous, smooth, round, creamy and large.

The human eye recognizes beauty, not rarity, so look for freshwater pearls that meet the five qualifications to your satisfaction.

Everyday suit

Special suit

Diamonds

Pearls

Women's jeans
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Market indexes are shown in real time, except for the DJIA, which is delayed by two minutes. All times are ET. Disclaimer LIBOR Warning: Neither BBA Enterprises Limited, nor the BBA LIBOR Contributor Banks, nor Reuters, can be held liable for any irregularity or inaccuracy of BBA LIBOR. Disclaimer. Morningstar: © 2014 Morningstar, Inc. All Rights Reserved. Disclaimer The Dow Jones IndexesSM are proprietary to and distributed by Dow Jones & Company, Inc. and have been licensed for use. All content of the Dow Jones IndexesSM © 2014 is proprietary to Dow Jones & Company, Inc. Chicago Mercantile Association. The market data is the property of Chicago Mercantile Exchange Inc. and its licensors. All rights reserved. FactSet Research Systems Inc. 2014. All rights reserved. Most stock quote data provided by BATS.