Several Long Island boutiques have incorporated charm bars into ... bracelets start at $29; necklaces range $20-$150 depending on chain type (sterling silver, gold-filled); hoops and huggie ...

Whether you prefer gold, silver, or colorful charms ... a charm necklace can complement any outfit. For low-cut tops, opt for longer chains that dangle nicely down your chest.

The Monica Rich Kosann piece makes for an ideal Valentine's Day gift to treat yourself or the "babygirl" in your life.