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Your jewelry collection is incomplete without a beautiful necklace.

Choose from our large variety of graceful pendants, and make a statement of your own, with a picture perfect look.

Each and every piece of jewelry, at S & M Universal Jewelry is designed with sheer artisanship by our team of artistic jewelry designers. Our master designers work hard in order to present you with the most exquisite and stylish piece of jewelry. So add a splash of beauty and glamour to your outfit. Our collection of beautiful necklaces and pendants, offer a high aesthetic appeal.

Whether you prefer a single stud heart shaped necklace pendant, with just one stone inside a bezel or one that is studded with multiple stones; we have it all. We have many jewelry pieces, which are available in different styles and designs, for any occasion. So, no matter what is your reason for buying jewelry, we can assure you that we have the one that you are looking for.

Each and every design at S & M jewelry is unique, and has a smooth and excellent finish. Each cut is perfect, and will never lose its shine, making it one that will last a lifetime.

To view our complete collection of different designs and sizes, please browse through our necklaces section.

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Learning Center The images and symbols abound with just the mention of this mineral, a natural crystalline substance that exemplifies wealth, prosperity, status, and everlasting love. Even lightning, magic, healing, protection and poisoning have been associated with this gem..............