UPDATE:

Apparently there is an internet security setting on my particular system setup (I have extremely high internet security) which prevents my system from utilizing DivShare but no one else is likely to have the same problem with DivShare files unless they set their settings unusually high like I do.

Jesse kindly forwarded me the MOI Gemstones file in zipped 3DM format and now I can follow all these great Jewelry Design examples and tutorials a little more closely. MOI certainly opens doors for the rapid creation of such things and it's a fun exercise for the imagination indeed.

Issue Resolved - Thanks!

- 3dvisuals dude