Audrey Who doesn't like jewelry? But with the lousy economy, splurging on precious jewels might not be the best idea for most of us. Yet, if you want to treat yourself after your tax return, we found some cost friendly pearls. "People from all walks of life are cutting back - the economy reflects that," says Jeremy Shepherd of "Even so, men will always remember their ladies on Valentine's Day. Many of them will buy from us because we sell the same akoya and freshwater pearl necklaces that the fancy jewelry stores sell - only our pearls cost 80 percent less".

Audrey Shepard says his Web site offers the largest selection of pearl necklaces on the Internet today. Take a look at their collection at

Pearls necklaces start at $70. - Mercedes Sanchez