Pearl Necklace question?

Sorry this is long!

I wanted to buy my fiancee a pearl necklace for Christmas to wear for our wedding. I really don’t know much about pearls but tried to research a little online. I decided I would buy a 16 inch FRESHWATER cultured pearl necklace (7.5-8mm) for $339 on USAA.com. I never saw a size comparison in person, as it was online, but after going to Reeds, I realized the 7.5-8mm pearls would be too big.

Anyway, in Reeds, we looked at a different necklace – a 16 inch AKOYA cultured pearl necklace (6-6.5mm) for $449. We were in there looking for wedding bands as well, and after the manager offered us a deal if we’d buy both bands and the necklace, we got the AKOYA cultured pearl necklace for $360.

Just for comparison purposes, a FRESHWATER cultured pearl necklace (6-6.5mm) on USAA is $149 and an AKOYA cultured pearl necklace (6-6.5mm) on USAA is $1,095.

The reason I’m asking is because USAA is usually very good on price, so how is it the AKOYA is $700 less at Reeds?

The price of an akoya pearl necklace is dependent on many factors. Pearls are much like diamonds in that the higher the quality, the higher the price. There are several quality factors.
Luster
The reflection from the pearl surface is the most important factor. The sharper the reflection the higher the luster.

Surface
The cleaner the surface, the more valuable the pearl.

Nacre
When buying akoya pearls it is IMPERATIVE to determine whether the nacre is thin or thick. The nacre is the “pearl” part of the pearl. It is the coating on the bead that was inserted into the oyster to create the pearl. Thin nacre will show as chalkiness in the pearl, or as cracks around the drill hole. These pearls will not last longer than a year or two before the nacre will rub off and the pearls will be destroyed.

Color
Akoya pearls are most preferred white with silver or rose overtones.

Matching
The pearls should match across as the strand drapes from the neck.

The finest grade of akoya pearl would be hanadama. Hanadama is Japanese for “spherical flower” and is a grade established by the Pearl Science Laboratory of Tokyo, Japan. These pearls have the highest luster and cleanest surface.
http://www.pearlparadise.com/Hanadama-Akoya.htm

Jewelry store pricing of pearls can vary as widely as the pearls themselves to. One of the major reasons is sourcing. There is no single dominating source for pearls as there is for diamonds (DeBeers). This means there is no rapaport price list that jewelers or wholesalers can use to determine what a fair price is. This means that one seller of pearls may have a better supplier than another. Some may sell on memo and be locked into high prices. Others may buy material in Asia and pay as little as 10% of another seller.

If you really want to learn about what you purchased and why prices vary as they do, take some time to visit Pearl-Guide.com’s forum.
http://www.pearl-guide.com/forum

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8.5-9mm AA White Freshwater Pearl 2 Piece Set with Silver Bead $20.99 An indulgent classic! This gorgeous white set is created from genuine high quality freshwater pearls. Carefully grown over many years, they have been gently harvested and matched to the strictest of standards. This set is part of hand selected selection of gorgeous freshwater white cultured pearls. You will adore the flexibility of the 6 to 7mm pearl size. Perfect for both casual and formal events. Click here to read moreAn indulgent classic! This gorgeous set is created from genuine high quality freshwater pearls several sterling silver beads. Carefully grown over many years, they have been gently harvested and matched to the strictest of standards.This set is part of hand selected selection of gorgeous freshwater cultured pearls. You will adore the flexibility of the 8.5 to 9mm pearl size. Perfect for both casual and formal events.A perfect gift for her or a nice treat to your self, this genuine pearl set is a great bargain at our low one line price,including necklace and bracelet. Size 8.5mm-9.0mm Body Color White Shape Shape Round Nacklace/Bracelet Length 16 inch/ 7inch Luster Good Blemish 90% – 95% Free Smoothness Good Matching Good Nacre Very Thick Origin China Overall Quality AA Note: Click here to see the detail quality difference from A to AAAA freshwater pearls.We proudly offer BEST price guarantee to our pearl products. This pearl set is offered at the LOWEST price on the market yet with premium quality. For same quality item in amazon.com, the price is 50% higher. NOW it’s best chance to make the Pearl deals with lightinthebox.com. We will match any competitor’s price for the same quality of pearls!!!SpecificationYour necklace will be carefully packed and shipped to you in an elegant velvet lined box and accompanied by lots of FREE extras (please see below).

6 – 7mm AA White Freshwater Pearl Jewelry Set (LSP041) $38.7 An indulgent classic! This gorgeous white set is created from genuine high quality freshwater pearls. Carefully grown over many years, they have been gently harvested and matched to the strictest of standards. This set is part of hand selected selection of gorgeous freshwater white cultured pearls. You will adore the flexibility of the 6 to 7mm pearl size. Perfect for both casual and formal events. Click here to read moreAn indulgent classic! This gorgeous set is created from genuine high quality freshwater pearls. Carefully grown over many years, they have been gently harvested and matched to the strictest of standards.This set is part of hand selected selection of gorgeous freshwater cultured pearls. You will adore the flexibility of the 6 to 7mm pearl size. Perfect for both casual and formal events.A perfect gift for her or a nice treat to your self, this genuine pearl set is a great bargain at our low one line price. Size 6mm-7mm Body Color White Shape Shape Round Nacklace/Bracelet Length 17 inch/ 7inch Luster Good Blemish 80% – 85% Free Smoothness Good Matching Good Nacre Very Thick Origin China Overall Quality AA Note: Click here to see the detail quality difference from A to AAAA freshwater pearls.We proudly offer BEST price guarantee to our pearl products. This pearl set is offered at the LOWEST price on the market yet with premium quality. For same quality item in amazon.com, the price is 50% higher. NOW it’s best chance to make the Pearl deals with lightinthebox.com. We will match any competitor’s price for the same quality of pearls!!!Clasp available :We have several options of clasp(A,B,C,D), you might choose your favorite one from them(as picture)(the clasp been within the necklace is not available) , state your choice on the comment along with your order. If you don’t have any preference specified, we’ll ship with the default most favorable one.Clasp is made of 14k gold post. SpecificationYour necklace will be carefully packed and shipped to you in an elegant velvet lined box and accompanied by lots of FREE extras (please see below).Notice:Please choose secure shipping methods. As a shipping method ,air mail right now is not stable.

3 – 4mm AA White Freshwater Pearl Jewelry Set (LSP042) $25.8 An indulgent classic! This gorgeous white set is created from genuine high quality freshwater pearls. Carefully grown over many years, they have been gently harvested and matched to the strictest of standards. This set is part of hand selected selection of gorgeous freshwater white cultured pearls. You will adore the flexibility of the 6 to 7mm pearl size. Perfect for both casual and formal events. Click here to read moreAn indulgent classic! This gorgeous set is created from genuine high quality freshwater pearls. Carefully grown over many years, they have been gently harvested and matched to the strictest of standards.This set is part of hand selected selection of gorgeous freshwater cultured pearls. You will adore the flexibility of the 3 to 4mm pearl size. Perfect for both casual and formal events.A perfect gift for her or a nice treat to your self, this genuine pearl set is a great bargain at our low one line price. Size 3mm-4mm Body Color White Shape Shape Round Nacklace/Bracelet Length 15 inch / 7inch Luster Good Blemish 80% – 85% Free Smoothness Good Matching Good Nacre Very Thick Origin China Overall Quality AA Note: Click here to see the detail quality difference from A to AAAA freshwater pearls.We proudly offer BEST price guarantee to our pearl products. This pearl set is offered at the LOWEST price on the market yet with premium quality. For same quality item in amazon.com, the price is 50% higher. NOW it’s best chance to make the Pearl deals with lightinthebox.com. We will match any competitor’s price for the same quality of pearls!!!Clasp available :We have several options of clasp(A,B,C,D), you might choose your favorite one from them(as picture)(the clasp been within the necklace is not available) , state your choice on the comment along with your order. If you don’t have any preference specified, we’ll ship with the default most favorable one. SpecificationYour necklace will be carefully packed and shipped to you in an elegant velvet lined box and accompanied by lots of FREE extras (please see below).Notice:Please choose secure shipping methods. As a shipping method ,air mail right now is not stable.

6 – 7mm AA Black Freshwater Pearl Jewelry Set (LSP040) $38.7 An indulgent classic! This gorgeous white set is created from genuine high quality freshwater pearls. Carefully grown over many years, they have been gently harvested and matched to the strictest of standards. This set is part of hand selected selection of gorgeous freshwater white cultured pearls. You will adore the flexibility of the 6 to 7mm pearl size. Perfect for both casual and formal events. Click here to read moreAn indulgent classic! This gorgeous set is created from genuine high quality freshwater pearls. Carefully grown over many years, they have been gently harvested and matched to the strictest of standards.This set is part of hand selected selection of gorgeous freshwater cultured pearls. You will adore the flexibility of the 6 to 7mm pearl size. Perfect for both casual and formal events.A perfect gift for her or a nice treat to your self, this genuine pearl set is a great bargain at our low one line price. Size 6mm-7mm Body Color Black Shape Shape Round Nacklace/Bracelet Length 17 inch/ 7inch Luster Good Blemish 80% – 85% Free Smoothness Good Matching Good Nacre Very Thick Origin China Overall Quality AA Note: Click here to see the detail quality difference from A to AAAA freshwater pearls.We proudly offer BEST price guarantee to our pearl products. This pearl set is offered at the LOWEST price on the market yet with premium quality. For same quality item in amazon.com, the price is 50% higher. NOW it’s best chance to make the Pearl deals with lightinthebox.com. We will match any competitor’s price for the same quality of pearls!!!Clasp available :We have several options of clasp(A,B,C,D), you might choose your favorite one from them(as picture)(the clasp been within the necklace is not available) , state your choice on the comment along with your order. If you don’t have any preference specified, we’ll ship with the default most favorable one. SpecificationYour necklace will be carefully packed and shipped to you in an elegant velvet lined box and accompanied by lots of FREE extras (please see below).Notice:Please choose secure shipping methods. As a shipping method ,air mail right now is not stable.

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