Buying jewelry on eBay is not for the faint-hearted. Not everyone would buy a ring they've never seen, from someone they've never met, with only testimony from past buyers for reassurance. And even that testimony isn't always available, nor is it always a reliable predictor of dependability. But whether buying jewelry on eBay is smart, stupid, or some combination of the two, more and more people are doing it, lured by prices that are often well below retail and sometimes even wholesale. Tia Miller, who oversees the jewelry and watch department for the cyberspace flea market, estimates jewelry sales at $380 million to $390 million annually. While that number includes thousands of sellers, it also means that eBay is one of the top sales channels in the industry. In fact, a piece of jewelry is sold on eBay every four seconds, on average. Much of eBay's appeal lies in the fact that virtu

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