Cosmetics, hairspray, perfumes and lotion can contain chemicals that can often damage jewelry. Putting jewelry on after applying these materials will limit exposure to jewelry and any potential damage.
Polish silver or gold with a jewelry polishing cloth for best results. The professional cloths are the best. Chlorinated water can react with the metals found in jewelry causing color changes and even structural damage. As a result it’s a good idea to remove jewelry before entering the pool or spa.