Trench coats. They’re the one thing that can protect you from wind chill and rain while somehow making your sultry cocktail dress even sexier.

The metal tip or bead that actually holds a stone in place. Traditionally stones are held by four or six prongs. A safety tip … always check your prongs regularly so you do not loose your precious gem! If you take your jewelry to a shop every now and then for a professional cleaning, they can check your prongs at the same time. And don’t forget to keep your insurance riders up to date.