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The four Cs—cut, carat, color, and clarity—help determine a stone’s price. Pay attention to these guidelines, but don’t assume better grades are always worth higher price tags. You can spend a lot more money for a higher-grade stone when a lower-grade one will do.

Skilled florists can interpret your tastes (or those of the recipient), determine what’s appropriate for the occasion, and then create a work of art that fits those needs. Our ratings of florists for quality and price should help you pick the best.

If you want delivery, exotic flowers, or need advice, your best bet is a florist. But if you’re willing to pick up the posies yourself and want to save a lot of money, you have several other options.

When you need to send flowers to someone outside the area, what do you do? We review the options, and advise you on how to deal with each to ensure you and your special someone on the other end are happy with the results.

Insurance companies often promote policy features to make their plans seem superior to their competitors’. But most sell roughly the same coverage. Here's a rundown of what’s covered, what isn’t, and what’s optional.