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What exactly is gold-filled jewelry?  Gold-filled charms and chains are a great economical option to solid 14 karat gold.  It looks and feels the same as 14 karat, but is much cheaper to purchase.   In fact, gold-filled has a solid layer of 14 karat gold in contact with your eyes and skin, so it really is like having solid 14 karat from a look and feel perspective.   Gold filled jewelry (also called gold overlay) is regulated by law, and must have a 1/20th (by weight) layer of 14 karat …