This beautiful "Be Wise" necklace is sterling silver, and comes from Kathy Bransfield Jewelry.

The pendant is designed in two pieces.  The overlay s a gold rectangle with a tree carved from it.  Under the tree, you can see the silver piece which is engraved:

"Take risks - if you win you'll be happy, if you lose, you'll be wise."

Kathy Bransfield is noted for her quirkiness and unfaltering cheerful spirit, as well as her distinctively meanful jewelry.

So be wise --and bid on this piece.