http://www.cgmage.com/designerjewelrycreations.com/pear-shaped/
The Number of Rental Repossessions is Rising
It’s not just people who own their homes and those who have a mortgage that are feeling the effect of the current economic climate! Tenants too are facing difficulties, either through circumstances that mean they can’t find enough money for the rent each month or they face the prospect of eviction because their landlords can’t pay their mortgage.
For those tenants in difficulties because they cannot meet rental payments, Guardian is currently working with letting agents to get in early with help. Often it’s the mounting burden of accumulated, unsecured debt or changes to income levels and employment status that can force tenants into a position where they may face eviction. Putting unsecured debts into a debt management programme can free up income to enable the tenant to pay the rent and avoid losing their home.
But a Debt Management Programme is not a permanent solution. It does provide some breathing space to let you start regaining control by prioritising household bills first (rent, gas, electricity, council tax) and offering sustainable but reduced payments to your unsecured creditors (personal loans, credit cards, HP agreements).
This can be achieved through an IVA – essentially a formal agreement with your creditors that lasts 60 months. Guardian can set up a meeting with your creditors (you need not be present) to discuss affordable proposals, which when agreed means that interest and debt charges are frozen. The IVA has to be supervised by an Insolvency Practitioner and the payment that is agreed is legally binding. Upon completion of the IVA you will be considered ‘debt free’, and although you may not have actually paid it all off, any outstanding balances will be written off.
The Protected Trust Deed is a similar option which is available for tenants who live north of the border. Under Scottish law, if you do qualify, you could cancel out up to 90% of your debt and pay the remainder in 36 affordable monthly instalments. It’s similar to an IVA as it too must be supervised by a licensed Insolvency Practitioner who is responsible for negotiations with your creditors and ensuring you keep to the terms of the Trust Deed.
Even for tenants who have consistently made rental payments, many have had to move house because of repossession notices. In many cases, the first any sitting tenant or tenant about to move into a property knows about the situation is when they find that the locks have been changed or there are bailiffs in their home.
The Civil Protection Rules are changing to give tenants slightly more rights in circumstances like these. Mortgage lenders who want to repossess will now have to send notice to tenants within five days of receiving notification of a court hearing date (which can often be several weeks ahead) rather than being informed 14 days before the actual hearing date itself as is currently the case. Practically speaking, that should mean that tenants ought to get around three – seven week’s notice of a possession hearing. But that could depend on which type of mortgage your landlord has. If it’s the wrong sort of mortgage, the tenant could still not get any notice of possession at all.
Best practice is to always open mail addressed ‘To the Occupier’, as this could include notice of any possession hearings. Make sure your landlord definitely has permission from their lender to rent the property out, otherwise the lender is not obliged to recognise the tenancy at all. Try to find out as much as possible about your prospective landlord and their mortgage status before you take up a tenancy and if things do go wrong and you were already living in the premises when the mortgage was taken out, the landlord’s lender may take you on as a tenant and allow you to pay rent to them directly.
How To Dress If You Have a Pear-Shaped Body
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Custom Made Necklace — Emerald 10.96 ct Pear Shaped & 14.82 ct Pave’ Diamonds $689,000.00 |
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Bullet & Fancy Vivid Yellow Pear Shaped Diamond Ring $304,744.00 |
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20.58 Carat Fancy Light Yellow Pear Shape GIA Diamond Engagement Anniversary 950 $250,000.00 |
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22.29 ct EGLG/H SI2/SI3 natural pear shape diamond stud earrings 14k white gold $245,000.00 |
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DIAMOND NECKLACE FIFTY FOUR PEAR SHAPE ONE HUNDRED SIX $236,999.70 |
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diamond 102 marquise 102 pear shape 102 round brillian $191,133.00 |
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DIAMOND PEAR ROUND BRILLIANT MARQUISE SHAPE NECKLACE $173,066.40 |
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2.44 Carat Three 3 Stone Pear Shape Blue Color Pink GIA Diamond Platinum Ring $150,000.00 |
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2.67 Carat Natural Fancy Blue GIA Diamond Pear Shape Three 3 Stone in Platinum $110,000.00 |
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DIAMOND 280 PEAR SHAPE 64 ROUND SHAPE NECKLACE $106,000.00 |
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DIAMOND PEAR SHAPE 4.54 CARATS ENGAGEMENT RING PLATINUM $99,000.00 |
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DIAMOND PEAR SHAPE 4.54 CARATS ENGAGEMENT RING PLATINUM $99,000.00 |
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5.01ct E VS2 PEAR SHAPE CUT EGL CERTIFIED LOOSE DIAMOND $97,950.00 |
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3.05 Carat Pear Shape D-VS1 GIA Diamond Engagement 18kWhite Gold Ring Total 4.05 $93,000.00 |
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Large GIA Certified Pear Shape Diamond Ring $89,000.00 |
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G.I.A. Pear shape 1.09 ct G./VVS2 $86,300.00 |
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10.24 ct G SI3 pear shape 100% natural diamond solitaire pendant 14 white gold $85,635.00 |
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6.51 Carat Diamonds By Dino Pear Shape Fancy Intense Yellow Platinum GIA Ring $80,000.00 |
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2.01ct Fancy Brownish Orangy Pink Pear Shape Diamond R4546 Diamonds by Lauren $73,950.00 |
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34.13ctw Platinum Round, Marquise & Pear Cut Graduated Diamond V Shaped Necklace $72,895.00 |
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GIA Certified 5.19 Carat pear shape L-vs-2 Ladies Platinum Diamond Ring $69,000.00 |
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3.02ct Center Bezel Setting Pear Shape Halo Diamond Engagement Ring 18k GIA $68,600.00 |
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DIAMOND NECKLACE PEAR SHAPE AND ROUND BRILLIANT SHAPE $63,855.00 |
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EMERALD RECTANGLE PEAR SHAPE DIAMOND ROUND MARQUISE PE $56,520.00 |
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4 PEAR SHAPE EMERALD GREEN 2 ASSCHER DIAMOND ROUND BRI $55,199.70 |
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DIAMOND ROUND BRILLIANT PEAR MARQUISE SHAPE ALL AROUND $53,664.00 |
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DIAMOND NECKLACE PEAR SHAPE 11 PIECE MARQUISE SHAPE 22 $52,740.00 |
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DIAMOND ROUND BRILLIANT SH ROSE SHAPE MULTI SIZE PEAR $51,138.00 |
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$168,000 Pear Shape Diamond Necklace 18KT 22.77CT $48,000.00 |
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4.01Ct D SI1 PEAR SHAPE CUT EGL CERTIFIED LOOSE DIAMOND $47,000.00 |
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DIAMOND EARRING PEAR SHAPE 16 MARQUISE 8 ROUND 76 STON $45,600.30 |
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Tiffany & Co PLAT Pear Shape & Bullet Diamond Ring 2.83CT $44,500.00 |
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3.01Ct E VS1 PEAR SHAPE CUT EGL CERTIFIED LOOSE DIAMOND $44,300.00 |
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4.41 ct. Orange Pear Shape Diamond Pendent and Diamond Chain – Custom Made – New $44,000.00 |
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Diamond Anniversary Ring 1.90Ct Fancy Light Yellow Pear Shape 18K 2 Tone Gold $43,255.65 |
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29.60 CT 45 ROUND BRILLIANT 90 MARQUISE 13 PEAR SHAPE $40,799.70 |
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EGL USA Certificate 2.19ct Carat H SI2 Pear Shape Diamond $40,424.00 |
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Diamond Engagement Ring 6.50 Carat Fancy Intense Yellow Pear Shape Platinum GIA $38,789.66 |
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3.38ct VS2 Pear Shape w/ Baguette Three-Stone Diamond Engagement Ring GIA 18k $38,500.00 |
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3.85CT VINTAGE PEAR SHAPE DIAMOND ENGAGEMENT 14K WHITE GOLD RING $36,250.00 |
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4.10 ct GIA intense yellow si1 pear shape diamond 3 stone ring 18k 2 tone gold $35,500.00 |
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GIA 3.01ct Center Pear Shape w/Round Accents Diamond Engagement Ring 18k Gold $33,400.00 |
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Diamond Engagement Ring 3.98 Ct Fancy Intense Yellow Pear Shape Platinum GIA $33,399.66 |
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5.26 D SI1 PEAR SHAPE DIAMOND ENGAGEMENT RING 14K WG $32,139.00 |
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D Color 2.72ct Pear Shape Halo Diamond Anniversary Ring 18k GIA Bezel Setting $30,800.00 |
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DIAMOND ROUND BRILLIANT SHAPE PEAR BRILLIANT SHAPE DRO $30,240.00 |
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4.01ct Pear Shape loose Diamond certified I-VS2 price challenge AGL USA $29,580.00 |
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18K 1.48cttw Fancy Light Pink Pear shape Diamond Ring $29,459.00 |
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DIAMOND 8 PEAR SHAPE 16 MARQUISE SHAPE DIAMOND DANGLE $29,279.70 |
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DIAMOND ROUND BRILLIANT PEAR MARQUISE SHAPE FRONT SET $28,896.30 |
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1.04ct Pear Shape Fancy Brown-Pink SI2 GIA Halo Ring R4326 Diamonds by Lauren $27,995.00 |
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2.03ct Center E/VVS2 Split-Shank Pear Shape w/ Round Accents Diamond Ring GIA $27,300.00 |
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Dangle Chandelier Pear Shape Diamond Earrings Signature Collection Platinum 950 $27,000.00 |
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EARRING PEAR MARQUISE ROUND BRILLIANT SHAPE $27,000.00 |
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5.01 Carat GIA Diamond Pear Shape Fancy Canary Brown Yellow Necklace 18k ByDino $26,000.00 |
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DIAMOND ROUND BRILLIANT SHAPE RUBY PEAR OVAL SHAPE NEC $25,977.60 |
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RUBY PEAR SHAPE PENDANT SET WITH ROUND DIAMOND FOUR MA $25,931.70 |
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Platinum 3.02cts G-H VS Round Diamond Ring w/Pear Shape sides EGL Appraisal 127K $25,500.00 |
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██ SUPER BEST OF BEST EMERALD OF █ THE WORLD,4.51 CARAT PEAR SHAPE EMERALD GEM! $25,000.00 |
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2.17 Carat Flawless GIA Diamond Pear Shape Fancy Canary Light Yellow 950Necklace $25,000.00 |
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CK Products 2-1/4-Inch Pear Chocolate Mold $2.98 CK Products chocolate molds are first quality, plastic molds. They are durable and reusable. not machine washable. Our chocolate molds are suitable for chocolate, soap making, butter molding, ice-cubes, plaster and concrete crafting. These molds are FDA approved… |
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Poire Frais Pear-Shaped Kitchen Potholder (1) – Kay Dee Designs $6.95 Kate’s Kitchen Poire Frais Collection Pear-Shaped Potholder…. |
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3D PEAR Flowers, Fruits & Vegitables Candy Mold Chocolate $1.75 … |
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DIGITAL JUSTICE / IT’S ALL GONE PEAR SHAPED B/W CAN’T U SEE 2 THE TILL… |
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FOREVERLAND CD UK PEAR SHAPED 1996 $49.99 PEAR, SHAPED, 18 13 Track… |
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Pear Shaped $8.99 … |
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Terro 2500 Fruit Fly Trap $2.19 Sold as each. Designed to lure fruit flies using the special food based liquid lure. Flies that enter the trap can’t escape to continue breeding. can be used indoor or outdoor. Safe to use around food – no toxic chemicals. Boxed. Manufacturer number: 2500. SKU #: 7209851. Country of origin: Poland. Distributed by Senoret Chemical Co, Inc…. |
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GE 47487 15 Watt (60 Watt equivalent) Energy Smart A21 6 Year Life Light Bulb $3.14 15 watt 120 volt A21 Medium Screw (E26) Base 2,700K Warm White XL Series A-Line Compact Fluorescent GE Light Bulb… |
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Sterling Silver Cubic Zirconia Pear-shaped Earrings $47.49 These dainty earrings feature pear shapes decorated with prong-set clear cubic zirconia stones. Crafted of.925 sterling silver, the earrings secure with butterfly clasps. |
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Sterling Silver Pear Shape Turquoise Pendant Necklace $14.09 Pendant features a lovely pear shape synthetic turquoise stoneNecklace is crafted of sterling silverOxidized corrugated rope design of jewelry gives it an antique feel, making it the perfect addition to your vintage jewelry collection |
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Silvertone Pear-shaped Purple CZ Pendant $20.49 Add sparkle to any outfit with lovely pear-shaped pendant necklaceNecklace features 5-carat purple pear cubic zirconia wrapped with a line of cubic zirconia hanging from a flower Jewelry set off with matching 16-inch metal chain |
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14k White Gold Pear-shaped Emerald Earrings $166.99 14-karat white gold earringsPear-shaped emerald jewelry with diamond accentsEarrings include certificate of authenticity |
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Sunstone Sterling Silver Oxidized Bali Pear-shaped Drop Earrings $21.99 Each of these fine earrings features an oxidized filigree Bali design in a pear shape. The earrings are crafted of sterling silver and secure with hook findings. |
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14k Yellow Gold Pear-shaped Satin Hoop Earrings $264.99 This satin pair of earrings features a flat pear shape design. Crafted of 14-karat yellow gold, these earrings secure with saddleback clasps. |
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Sterling Silver Clear Cubic Zirconia Pear-shaped Drop Earrings $18.49 Sparkling round-cut clear cubic zirconia adorn the pear shapes of these drop earrings. Crafted of .925 sterling silver, the earrings secure with butterfly clasps. |
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Cow Bone Zebra Print Pear-shaped Drop Earrings (Kenya) $20.99 The unique style of these earrings is adorned with a striped zebra print. Handcrafted of recycled cow bone in pear shapes, this gorgeous jewelry comes from Kenya. |
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Cow Bone Stripes and Dots Pear-shaped Earrings (Kenya) $23.49 Let these stunning earrings adorn any wardrobe with rustic and traditional beauty. This lovely jewelry is handcrafted of cow bone in a pear shape and beautifully painted with bright colors. |
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Cow Bone Brown and Striped Pear-shaped Earrings (Kenya) $18.99 The unique style of these earrings is adorned with black and white stripes. Handcrafted of recycled cow bone in pear shapes, this gorgeous jewelry comes from Kenya. |
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14k Yellow Gold Pear-shaped Garnet Stud Earrings $57.99 These 14-karat white gold and garnet stud earrings are just the right size for every day wearThis pear-shaped jewelry is different from the usual studSimple and elegant, these earrings are the perfect accessory for any special occasion |
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14k Yellow Gold Diamond-cut Pear-shaped Link Bracelet $233.99 Pear-shaped link bracelet is the perfect addition to your wardrobeStylish bracelet can be reversible to add spice to any ensembleJewelry is crafted of lustrous 14-karat yellow gold |
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Sterling Silver Clear Cubic Zirconia Black Beaded Pear-shaped Earrings $42.99 Each of these fantastic earrings features a pear shape adorned with lines of clear cubic zirconia stones across a field of beaded black-plated metal. The earrings are crafted of sterling silver with rhodium plating and butterfly clasps. |
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Sterling Silver 1/8ct TDW Brown Diamond Pear-shape Ring $42.49 Brown diamond pear-shape ring Sterling silver jewelry Click here for ring sizing guide |
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Mason Kay 14k Rose Gold Green Jadeite Pear-shaped Ring $699.99 Green jadeite pear-shaped ring14-karat yellow gold jewelryClick here for ring sizing guide |
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Pear-shape 15x10mm 5ct TGW Rose De France Stone $16.49 This pear-shaped stone is ideal for updating your jewelry. Use this rose de France stone to enhance your accessories. |
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Pear-shape 12x8mm 3 3/4ct TGW White Topaz Stone $10.29 This pear-shaped stone is ideal for updating your jewelry. Use this white topaz stone to enhance your accessories. |
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Pear-shape 13x8mm 3 1/2ct TGW Green Amethyst Stone $12.69 This pear-shaped stone is ideal for updating your jewelry. Use this green amethyst stone to enhance your accessories. |
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Pear-shape 9x6mm 2 1/2ct TGW Amethyst Stones (Set of 2) $10.59 Use these pear-shaped stones to update your current accessories. These amethyst stones have a purple color. |
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Pear-shape 12x8mm 2 3/4ct TGW Lime Quartz Stone $10.59 This pear-shaped stone is ideal for updating your jewelry. Use this lime quartz stone to enhance your accessories. |
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10k Gold 1/4ct TDW Diamond Vintage Pear-shaped Earrings (I-J,I2-I3) $139.99 Magnificent 10-karat white gold is shaped into these vintage-style earrings. With genuine diamonds, this jewelry features pear-shaped drops. |
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Pear-shape 18x13mm Briolette-cut Rose De France Stone $40.99 This pear-shaped briolette-cut stone is ideal for updating your jewelry. Use this rose de France stone to enhance your accessories. |
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Pear-shape 12x8mm 2 3/4ct TGW Citrine Stone $10.59 This pear-shaped gem is ideal to add to your favorite piece of jewelry. If you want to give your old accessories an updated look, use this beautiful yellow citrine. |
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Pear-shape 10x7mm 1 1/2ct TGW Blue Topaz Stone $9.39 This pear-shaped gem is ideal to add to your favorite piece of jewelry. If you want to give your old accessories an updated look, use this beautiful blue topaz. |
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Pear-shape 12x8mm 2 3/4ct TGW Amethyst Stone $10.39 This pear-shaped gem is ideal to add to your favorite piece of jewelry. If you want to give your old accessories an updated look, use this beautiful purple amethyst. |
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Pear-shape 14x10mm Blue Topaz 6 1/4ct TGW Stone $13.39 This pear-shaped gem is ideal to add to your favorite piece of jewelry. If you want to give your old accessories an updated look, use this beautiful blue topaz. |
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Pear-shape 12x8mm 3 3/4ct TGW Blue Topaz Stone $10.39 This pear-shaped gem is ideal to add to your favorite piece of jewelry. If you want to give your old accessories an updated look, use this beautiful blue topaz. |
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Pear-shape 10x7mm 1 1/2ct TGW Amethyst Stone $9.39 This pear-shaped gem is ideal to add to your favorite piece of jewelry. If you want to give your old accessories an updated look, use this beautiful purple amethyst. |
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Rhodium-plated Simulated Pear-shaped Diamond Ring $22.49 Click here for Ring Sizing Chart.Simulated diamond ringRhodium-plated jewelry |
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Goldtone Red Faux Stone Pear Shape Necklace $19.89 Beautiful goldtone pendant necklace with ruby red color center and jet black color trim, make this necklace a classic piece for your everyday wear. |
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Silvertone Pear-shaped Dark Champagne CZ Necklace $17.49 Add glitz with this cubic zirconia necklaceSilvertone necklace features a dark champagne stone set inside larger white stone Fashion jewelry adds a colorful flair to any ensemble |
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Goldtone Blue Pear Shape Faux Stone Necklace $18.99 Beautiful goldtone pendant necklace with periwinkle color center and sapphire color trim, make this necklace a classic piece for your everyday wear. |
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Goldtone Green Faux Stone Pear Shape Necklace $17.99 Beautiful goldtone pendant necklace with mint color center and emerald color trim, make this necklace a classic piece for your everyday wear. |
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Glitzy Rocks 18k Gold Over Sterling Silver Citrine Pear-shape Earrings $16.99 Lovely Euro wire citrine earrings are the perfect complement to any outfit Jewelry is crafted of 18-karat gold over fine sterling silver Add beautiful sparkle to your look with these charming pear-shape earrings |
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Ultimate CZ 14k Goldplated Cubic Zirconia Pear-shaped Loop Drop Earrings $19.99 Shimmering round-cut clear cubic zirconia adorn the top of each of these fabulous earrings, with pear-shaped loops dangling underneath. The earrings are made of 14-karat yellow gold plating and secure with push back clasps. |