Ask around to people in your area. An honest jeweller is key. My stepmom and stepsister have had diamonds/gemstones switched in their rings on several different occasions. The last thing you want to do is pay money for a piece of coloured glass. As for the gold/gemstone, drop hints to your girlfriend. "Oh I really like this type of gold...what do you like?" It varies from girl to girl, I'd love for my boyfriend to *suprise* me with something he's put together just from random details he knows about me. Congratulations and good luck!