Jewelry hazards exist year-round. From falling down drainpipes to flinging off with a winter glove, there are opportunities for a lost ring at every turn.  Keeping your jewelry safe during warmer weather brings a host of unique challenges.  In honor of bracelets lost in the sand, gems fallen victim to a wicked game of beach volleyball or rings resting on the ocean floor, here are 10 jewelry safety tips to avoid damage to your jewelry.  When to Remove Your Jewelry  Before swimming and strenuous activities. Salt water and chlorine can damage your jewelry. Add sweat to the list when it comes to sterling silver.  Before applying sunscreen and bug spray. Lotion can get into the crevices of chains and prongs. Also, lotions and sprays create a film on your jewelry, making it dull and dingy.  In direct sunlight. The sun can bleach certain materials, especially natural elements and some plastics.  In cold water. Cool temperatures cause your fingers to shrink, creating room for your ring to slip off. And when in water, you may not even notice until it’s too late.  Before going into a hot tub or swimming pool. Chlorine can damage and discolor metals (like gold and platinum)…

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