Yahoo! Lifestyle: 8 Pieces of Jewelry You Should Own by the Time You're 40

"A Chain Necklace Do you want to start a charm necklace? Do you prefer the clean appearance of a delicate gold necklace that's a quiet luxury? Do you just need an everyday piece that you can keep on and forget about, through workouts, showers and trips to Bora Bora? The right chain necklace can be all of those things. Just make sure the size, shape and metal of the links are apropos for your chosen function."