Transfer is a type of Transaction. Appearance is a type of Transfer. 
Jewelry is related to Silver. Silver is related to Chemistry. Chemistry is a different concept from Physics. you are likely to find Physics in/at/on University. 
Transaction <--IsA-- Transfer <--IsA-- Appearance 
Jewelry <--RelatedTo--> Silver <--RelatedTo--> Chemistry <--DistinctFrom--> Physics --AtLocation--> University 