Consider Her Style. The one thing to remember is that women choose their jewelry to match their personal style. Rings, watches and earrings are accessories, so they're meant to complement her look, not dominate or clash with it.

Does your dear one always wear what looks best on her no matter what the fashion magazines are shouting at the moment? Her classic look will always seem up to date when accented with pearls, platinum settings and soft gemstone colors. Stick with elegant and simple designs -- stay away from big stones and chunky settings. Think quality and timelessness.

Rock climber. Mountain biker. Busy mother of five. If she's the kind of woman who says feminine frills get in her way, consider pared-down designs to help simplify her life. She'll adore a gold cuff bracelet, small gold hoop earrings, or a sophisticated platinum and diamond solitaire necklace. Or consider one of the precious metals that are growing in popularity, such as titanium or tungsten. These metals are very difficult to scratch or wear down, so you could give her a delicate design that will stand up to her active lifestyle without needing a lot of maintenance.

The fashion-forward professional woman is likely to dissolve in a puddle of uncharacteristic tears when presented with a feminine pin to attach to her corporate blazer. Look for pieces that are of exceptional quality, simple design and moderate size. Rings for this lady can be bold and include more vibrant colors, such as rubies and emerald. And of course anyone with a head for business knows you can't make a better investment than a well-cut diamond ring.