Pearls are fabulous, but they tend to give off a highly-sophisticated vibe. For those times when you want a more quirky option, there's Lanvin's Pearl & Folded Satin Necklace ($715). I first crushed on it when I saw a similar version around the delicate neck of Sarah Michelle Gellar. It's chic without being stuffy . . . and way out of my jewelry budget.
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What I love about Marciano's Pearl Necklace with Bow ($68), besides the price, is the femininity of the gray pearls and the chiffon ribbon. Fab ladies who are looking for tasteful and fun jewels should take advantage of this one.