I don't love her empire-wrapped belts (way high up). I don't always love her hair. And I'm not so big on kitten heels.

But I love love love a fabulous necklace, and Michelle Obama has been really rocking some gorgeous ones.

Last night in Moscow she wore one by Fenton by Dana Lorenz necklace. (See more on the Fenton website, which sadly doesn't include an online shopping component.)

In May she was bold at the White House Correspondents Dinner in hot pink and a St. Erasmus necklace.

The night of the Oscars, she outshone Hollywood in a Tom Binns necklace, like this one (left).

And all this is well and good, but what about the rest of us, who can't afford a whole wardrobe of pricy fashion baubles.

I'm in love with Lulu Frost jewelry, like the fabulous pieces from the Tribal collection. (Great jewelry, lousy website.)

I like a lot of the jewelry at the charming Shop Floor Project, where you can also purchase jewelry from St. Erasmus.

Also fabulous, and surprisingly affordable, is Subversive jewelry. And how about this lovely gold Erickson Beamon chain, on sale at Vivre (below)?

If you want to see some great necklaces and how they can really boost a pretty dress or outfit, take a look at the audio slide show of Bill Cunningham's fabulous Sunday Times "On the Street." (Note that the necklace in the third slide is a $48 frippery from Anthropologie. And note especially that when the jewelry works best in these pictures, it's worn without too much thought or matching involved — it's really just a frame for the face.)