I am not one for the charm thingy; however, I just love this toggle necklace that has the ability to add charms; i.e., initial, etc. I love the fact that it is both gold and silver and gives you lots of flexibility. I highly recommend this beautiful addition to my HUGE jewelry collection-----lots of Brighton included! Also, my store, Caspiana in Shreveport, LA, has such a huge selection and such super, fantastic service!!!!