Jewelry appraisals, cash value, and the truth

The question: “how much is my jewelry worth? ” is not as simple as it may seem. To answer it, we have to first decide which type of worth or value we are talking about because jewelry has different values in different contexts. The main types of value are: intrinsic value, resale value, and appraised value.

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Intrinsic Value or Cash Value

The intrinsic value of jewelry is the simplest and easiest to understand. The equation for intrinsic value is:

intrinsic value = metal value + gem value

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The metal (gold, silver, platinum, etc.) and gems (diamonds, sapphires, emeralds, etc.) are valued as raw materials based on current market rates. Intrinsic value can be viewed as the recycle value of jewelry. Imagine the jewelry as a pile of metal and gemstones, not as a whole piece of jewelry. Some other names for intrinsic value are: cash value, cash wholesale value, and scrap value. So, gold jewelry value, in this context, is largely determined by the current spot price of gold.

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Let’s look at an example. Assume a ring is made out of 5 grams of 14k gold. That makes its intrinsic value $371. It has a 0.25 carat diamond.25 carat diamond.

Here is how to calculate the gold price.

1.com is good for that). In this example we’ll use $1,300. 4. So, you have: $24.24 × 5 grams = $121. 2.1 which equals $41.80 per gram. 3. 14 karat gold is roughly 58% gold and 42% alloy. Curious about what a troy ounce is? Check out our article on gold weights. So, that would be: $41.80 × 0.58 = $24.24 which is the price per gram of 14 karat gold.

Here’s the complete math for our example ring: $121 = $1,300 / 31.1 × 0.58 × 5.

The diamond price is more complicated. Once the initial price is determined, the last step is to adjust the price by the cut grade of the individual diamond. Is influenced by the source selected. It is basically the common wholesale price modified by the cut grade of the gem. The wholesale price is a dynamic price that changes daily.

Resale Value or Retail/Wholesale Price

Some used jewelry has a resale value that is higher than its intrinsic value. This price includes the intrinsic value plus the workmanship to create the jewelry. Furthermore, if the jewelry is desirable in the market place, then a design premium is added. The equation for resale value is:

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resale value = intrinsic value + workmanship + style

Of course, this isn’t an exact science, and other factors can influence the resale value as well. For example, two identical diamond solitaire engagement rings can have vastly different resale values, if one is stamped “Tiffany” and the other is not.

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Appraised Value or Replacement Cost

Appraised value is the most confusing value partly because, on the surface, it seems to be the simplest. It is not stating what the jewelry is worth, but what it would cost to replace the item in new condition. But, the key to understanding appraised value is that this value is only theoretical. Most people are aware of jewelry appraised value.

people come to a false understanding that their jewelry is worth what the appraisal value states

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Jewelry appraisals are the documents that deal with jewelry worth. There are actually a few different kinds of appraisals, but when most people talk about jewelry appraisals they mean insurance appraisals (check out our article about jewelry appraisal types). This is the heart of the problem of what jewelry is worth. Jewelry insurance appraisals don’t have anything to do with the worth of the jewelry item, only its replacement cost.

The purpose of a jewelry insurance appraisal is to detail what it would cost to replace a jewelry item if it is lost, stolen, or damaged. It is not meant to show what the item’s market value is at the time.

Here’s an example. Why? Because that is how much it would cost to replace the 2000 Toyota Camry with a new 2014 Toyota Camry.

When this is done in the jewelry world, people come to a false understanding that their jewelry is worth what the appraisal value states. In many cases, the jewelry is only worth the intrinsic value. This could be as little as 5% to 20% of the appraised value.

New Value vs. Used Value

Another big point of confusion with jewelry values is that the value of a used piece of jewelry can be dramatically different from what it cost new. This can double the cost of the finished jewelry, or it can have a negligible impact. The cost of a new jewelry item includes the intrinsic value and (like resale value above) the cost of workmanship which could be 2 to 5 times the value of the gold and gems alone. Even before the work begins, there is the value added by the jewelry designer.

What are the overhead costs where the jewelry is being sold?

There are still more costs to consider with new jewelry. Finally ask: is the jewelry store a high end retailer that can get a two or three times mark up over wholesale cost? What are the overhead costs where the jewelry is being sold? Taxation environment like? What is the regulatory. There is the cost of bringing it to market which can include: wholesale costs, import costs, marketing costs, transportation costs, and more. Are the sales people receiving a high or low commission?

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Here is an example breakdown of how some of these costs can look. This is a bit exaggerated, but it is just meant to show how much the final price can vary.

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With all of the possible variations, it is easy to see that the price paid has little correlation to the intrinsic value of an item of jewelry. If it is a high end jewelry store with a lot of overhead and added value, then the jewelry price could be 5 to 10 times more than the intrinsic value. If it is a discount jewelry store, then the price over intrinsic value could be from 1 to 3 times. The price of a new jewelry item is based primarily on the jewelry stores’ business model.

So, how much is your jewelry worth? If you’re curious about how much your jewelry is worth, we recommend that you deal with a professional gemologist who can explain each of the values to you. Feel free to come in, and our gemologists will be happy to give you a free value appraisal of your jewelry. Every other price just depends on the situation. It is definitely worth its intrinsic value.

Posted on: June 19, 2014 | Category: Jewelry Information

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What people are saying

1. Melissa Irons says:
April 30, 2022 at 11:29 pm
Hi my name is Melissa I have a 14 karat gold earring it’s a gold hoop covered in rows of small diamonds all the way around and then it has been a pretty medium size gold cross dangling and it’s also covered in layers of small diamonds The diamonds are small but they are so clear and sparkly they’re the prettiest ones I’ve ever seen, and my sweet grandmother left them to me when she died it my mo

Lost the other one. I’ve been told they cost $4000 when there were two. Thank you

– One of our gemologists will be happy to let you know how much it is worth. We can also help recreate the missing earring if you want to do that as well.

2. Laila says:
August 17, 2021 at 12:03 pm
I had a question I have a 150$ gold pendant and I need to pawn it how much can i get for it?

– I would recommend you contact a local pawn shop in your area. We only buy jewelry and are not licensed to pawn, so we wouldn’t be able to give you much guidance there.

3. Debra d. Azar says:
January 25, 2021 at 6:24 pm
I have a 24k diamond tennis bracelet with 8 karats of diamonds in it. How much would this be worth? Thank you. The gold tennis bracelet based s ga ets.

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– For a piece like that, we would need to see it in person to give you an accurate value.

4. Cindy Harmon says:
June 17, 2020 at 7:26 pm
Hi my name is cindy i found this ring can you tell me anything about it can i send a picture of it

– Sure, please either text or email us some pictures of the ring and we’ll do our best.

– Mike ballard says:
December 2, 2022 at 7:28 pm
Ok sure will

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5. Cristian Trueblue says:
November 8, 2019 at 7:23 am
I have a 1 carat diamond 10 k yellow gold ring?

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– As you know there are so many factors that could influence the price of a ring like (diamond quality, is it one or several that add up to 1 carat, condition, design, etc.). If you can email us some pictures and any paperwork that you have for the ring, we should be able to give you a good ballpark value.

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6. Brittany says:
November 1, 2019 at 11:39 am
I have an 18K white gold pendant necklace willed to me by my late grandmother. The diamond is 1. Measurements of the stone would be 5.71x 8.51x 3.39. That aside, it has an 18k white gold, 18 inch/1.20 mm chain in pristine condition. I would like to sell it somehow in order to share its value between my sisters and me by choosing new pieces that would honor her memory, but that more practical for our daily use.

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– I would be happy to help get you the most possible for the necklace.

It does have a few tiny scratches on the heart that can only be seen with a magnifying glass.

7. I’m wondering how much this would be worth. However this one is used but in great condition. It does have a few tiny scratches on the heart that can only be seen with a magnifying glass. I could email a photo if you wanted. Could you give me a ballpark figure? Thank you!

– jewelry is a bit difficult. However, a general range is between 10%-50% of what it sell for new is what it will sell for on the estate market.

8. David Bissonette says:
October 22, 2019 at 5:35 pm
I have a 10k white gold anniversary ring with 20 diamonds it has 1/2 tw stamped on inside of band how much is it worth honestly

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– We would have to see that ring in person to give you an accurate price but from the description it could range from $50-250 wholesale. Feel free to contact us if you have additional questions.

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9. Mandy says:
October 21, 2019 at 6:32 am
Does old costume jewelry have any value? I could send pictures of it if that would help

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– Old costume jewelry can have value, but it doesn’t have any intrinsic value as defined in the article. My best advice would be to search for similar pieces online (especially on eBay) to see if you can find a market for them. Unfortunately, it’s not something that we specialize in, so we don’t have any good references or ideas to give you.

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10. Michelle Hemingway says:
October 14, 2019 at 6:07 am
I have a diamond ring just over 1 carat set in a 14kt gold band and matching band with diamonds. What is a general estimate on resale value

– That said, a really quick rough estimate is it will resell between 10-50 percent of the original purchase price. Feel free to contact us if you would like to discuss it further.

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11. Thanks, Debbie

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– That sounds like a beautiful ring. Unfortunately, without seeing it in person and knowing more details (gram weight, carat weight and quality of stone, etc.) we can’t really give you a ballpark estimate. Feel free to email us some pictures and details, and we can go from there.

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12. Det says:
October 4, 2019 at 8:14 pm
Hi.3 grams. Many thanks in advance.

– Doing quick math at the current gold market trading range puts the bracelet at about $600-800. But, we would have to see and test it in person to give you an accurate price that day. Feel free to swing by anytime we’re open.

13. Sylvia Annang says:
August 30, 2019 at 12:52 pm
I have a stud earring that says . Do you know the value please? Thank you ?

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– If you have the pair of earrings they are most likely worth $10-$40 cash wholesale. But, feel free to swing by the store anytime for an accurate value appraisal.

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14. I don’t wear them they are very old. I don’t wear pearls.

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– Wow, that sounds like a lovely set of pearl earrings. Please feel free to email us some pictures along with any paperwork you have on them. I would have to see a picture of this one to give you a ballpark price.

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15. a.d, was it worth it? I love it just need to know. THANX.

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– As you know from the article, the retail value will be influenced by numerous other factors beyond just the intrinsic value.

16. THERESA SERFLING says:
July 1, 2019 at 10:18 am
I have a men’s gold ring stamped 14K on the inside of the band. The ring also has a large center diamond with smaller stones on each side.

– That sounds like a beautiful ring.

17. Eva Footmon says:
June 13, 2019 at 9:03 pm
I have 4. Gold bracelets and arope chain and 2 pieces how are they worth and a tennis bracelet

– If not, you can email us some pictures and details of the pieces and we can try to give you a good ballpark value.

18. Lisa says:
May 26, 2019 at 9:31 am
Thanks for publishing this article, it’s such a great overview! This process can be more costly than a standard setting, but the design and quality usually surpasses that of ready made or standard settings. I really enjoy selecting my own gemstones, particularly imperial topaz, and working with well established designers for a custom setting. What’s your opinion on value retained in custom made pieces. Thanks!

– You are right that custom jewelry is often very high quality and when it comes from a well known designer, there can be a significant value boost there as well.

The one caveat that can hurt the resale value of custom jewelry is that it can be harder to find a buyer if the style is uniquely tailored to the tastes of the person who commissioned it. These pieces are always fun to make. However, they are also appealing to a smaller subset of potential buyers which can decrease their value. Very meaningful to the people that designed them. We have had clients ask us to set diamonds upside down or add an array of significant symbols to their jewelry.

All of that said, custom jewelry is about creating a piece that means something special to you, and you shouldn’t let potential resale value dampen your vision in our opinion.

19. Agnes Daniels says:
April 22, 2019 at 7:00 pm
I have an add a diamond bracelet with 14 links with four diamonds in each link . It appraised for $7000.

– There are, unfortunately, many types of appraisals. So, the wholesale value will range from as low as $500 to as high as $3000 cash wholesale.

20. Aslina says:
April 2, 2019 at 3:22 pm
Hi! Your website is very helpful, thank you. Assuming it is a custom-designed ring, that will use new 18k gold and contain a band of approximately 30 small diamonds, could you give me an idea of the average cost? I am wondering about the ballpark cost of resetting diamonds from a tennis bracelet into a ring? Thank you!

– We sent you an email with some rough pricing info.

21. 00 CT.W.

– Depending on the quality of the diamonds and the size of each diamond it would range from $150-$1,000 cash wholesale.

22. brenda says:
March 4, 2019 at 11:23 am
Hello!! Any way or can you guide me as to determine earrings purchased in the 80’s in thailand in the original box? Post earring and there is a scrolled medalion.. no significance with the medalion as far as I can ascertain.

– Just stop by our shop anytime. If you aren’t local, you can also email us some pictures of the earrings along with any details you have, and one of our gemologists can take a look and give you a ballpark value.

23. Deb says:
February 25, 2019 at 1:51 pm
I found your article on computing intrinsic value helpful. How does one separately compute metal value from gem value (like tennis bracelets and earrings)? However, my question is about pieces that have gems. I can weigh them and do the math, but the weight is affected by the gems. They are likely only worth their intrinsic value.

– I’m glad the article was helpful. You are correct that the gems will need to be accounted for separately when calculating intrinsic value.

That said, 5 carats is equal to 1 gram. So, if you know or can estimate the carat weight of your gems you can approximate the gold weight without them. Then the problem becomes calculating the intrinsic value of the gems which is a bit more complicated than the space here would allow for.

24. Laurene Orndorff says:
January 10, 2019 at 9:26 am
I have a ring that was appraised in 2003 that was worth $3,000 at the time. Wondering what it would be worth today? Ladies 18K (stamped) yellow gold mounting set with 24 princess cut diamonds weighting 1.25 ct total weight.00 dwt.). Any idea?

– The appraised value for insurance purposes will probably not have changed significantly since 2003. The gold and diamond markets have fluctuated in that time, but not enough to dramatically change the insurance value. A rough guess would be about a 10% increase in appraised value. That said, we do offer insurance appraisals, so if you need an updated appraisal feel free to bring the ring by our shop anytime we’re open.

25. 1.020. Thank you.

– It’s difficult to estimate values from the details alone. If not, feel free to email us some photos, and we can try to give you a ballpark value.

26. Judith says:
December 9, 2018 at 6:41 pm
I have an older silver platinum & gold wedding ring. I’m needing to get an appraisal on.

– If not, you can always email us some details an we can get back to you with a ballpark value.

27. I can’t find clear info online. Thank you!

– It is most likely a manufacturer’s stamp indicating who made the ring or possibly a style/variation number.

28. I have 10k white gold diamond ring, its an engagement ring. It cost $1,800.

– We would need to see your ring in person to give you an accurate value estimate (feel free to stop by the shop). That said, given the metal and the price point, we’re hoping it has some large diamonds in it to justify that retail price.

29. Teelie says:
November 20, 2018 at 6:19 am
i have a ring that says 14k ….. it has 68 little diamonds and its a gold band… How much is my ring worth?

– We would love to help you figure out the value of your ring. We would need to see it in person to be able to accurately grade and measure the diamonds and gold in your ring. Feel free to swing by anytime we are open.), and we can try to give you a ballpark value.

30. Tonya Bromley says:
November 8, 2018 at 10:19 am
What could a 99 inch necklace of 4.8 mm black pearls be worth?

– It depends on the type. Quality of the pearls.

31. 5 Keystones). Can you explain what the Keystone part means? Do I multiply it my the 2.5 or was that already done to get that amount?
Thanks!

– 2.5.

32. The bracelet has 17 diamonds of varying size with the largest in the center and 12 opals.

– That sounds like a gorgeous set. Unfortunately, since there are no hallmarks and no gem weights we would need to see this jewelry in person to be able to give you any sort of accurate value estimate. Yes, you can send pictures (here is our contact info and email address).

33. Princess cut diamond G-H coloured,SI-2 -I-1
Diamond weight .97ct
Total weight item 4.3g

If you can check it for me how much it would cost? Thank you so much

– That sounds like a lovely ring. Feel free to bring it by anytime we are open, and we would be glad to give you a free value appraisal. I would have to see it in person to give you an exact price, but assuming there is one diamond that weighs 0.97ct the wholesale value will most like fall between $500-1,000 depending on the condition and style of the ring.

34. Is it gold? Or silver? Thanks! Shauna

– I think we texted earlier today, but for other reading this, 926 is a very uncommon stamp for jewelry. 916 would indicate that it’s 22k gold. 925 would indicate that is sterling silver. But, 926 does not have a standard meaning that we are aware of.

35. Mario says:
September 26, 2018 at 12:19 am
Hi. The main stone is a diamond. Thanks in advance.

– I would have a local jeweler use their diamond tester on the gem to make sure it’s genuine.

36. matt says:
September 14, 2018 at 9:57 pm
Please help me.90cts.00 cts.50 cts.

– We would be happy to help. Please email me some good pics of the ring if you have any. Any additional detail about it that you can remember.

In general, most insurance companies give you the option to take a check or have them remake the ring. We normally recommend you take the check which gives you the freedom to choose which jeweler you use to remake your ring and if you want to make any modifications to the design. We would love to talk about your design ideas too, so feel free to include them in your email.

37. wia says:
August 27, 2018 at 1:39 pm
I have a watch that I bought in 1984 that is 14k gold watch and band that I paid $500+. I only wore it once about 30 yrs ago. How much is it worth now? The band is a nugget look that was popular than about 1/4 inch wide. from marshal Fields in Chicago.

– That look was very popular in the late 80s! Unfortunately, it doesn’t sell very well today. At this point, most of the watch’s value will be in its current gold content. Feel free to bring it by anytime and we can weigh it and calculate the value for you.

Or, you could try your luck finding a buyer that likes that style on eBay. If you go that route, be sure to checkout our article on how to sell jewelry on eBay.

38. Bonita says:
July 26, 2018 at 9:12 am
I would like to sell my 1 carat diamond stud earrings, but do not know the value.

– Feel free to stop by the shop anytime. If you are not local, you can always email us some pictures and we can try to give you a ballpark value, but it’s difficult to accurately estimate the grade of a diamond from a picture.

39. Marie Santiago says:
July 17, 2018 at 6:26 pm
I bought a bulgari enigma lips bracelet in white gold bangle style in 2010. The upper lip has small diamonds in it. I would like to sell it. It’s no longer available on any site.

– With limited run designer jewelry, we sometimes try to find the market on eBay. Then price yours accordingly based on how fast you want to sell it. If you do decide to sell it on eBay, checkout or article on how to sell jewelry on eBay. I would look at the last one that sold (use the advanced search) and see how much it went for.

40. We bought this in 1988. On the center is a round, brilliant-cut diamond weighing 0.55 carat set in a 24K gold band. Thank you. I would greatly appreciate any estimate on the cash value. On the sides, there are 2 small round brilliant-cut diamonds set one on each side weighing about 0.10 carat each.

– That sounds like a really interesting ring; we don’t see many diamonds set in 24 karat gold. Feel free to bring it by anytime we are open for a free value appraisal. I would have to see it in person to figure out the quality of the diamond and the weight of the gold, but a really rough ball park is $200-$1,000 cash wholesale.

41. How much do you think this is worth? Thank you in advance.

– We don’t pawn jewelry; we only buy or consign it. With that being said, usually a pawn shop will pawn for about 1/2 what we would pay for it. I would have to see your ring in person to give you a ballpark how much to expect. Feel free to contact us if you have any other questions.

42. Andres Serna says:
June 3, 2018 at 11:56 pm
My question is that my presale is was giving me $105. What would be the value of it?

– We would be happy to give you a price on your jewelry. Feel free to contact us to talk in more details.

My great-grandmother gave it to my grandmom.

43. Alyssa says:
May 19, 2018 at 9:41 am
I was wondering if you can tell me how much my necklace is worth and if it’s real. Supposedly the jewels in the necklace are ambers. Thank you. It’s been in my family for many generations. My great-grandmother gave it to my grandmom. And then my grandmom passed it down to me.

– It looks like you may have tried to upload a picture, but, unfortunately, our comment form currently doesn’t support that. Please email your picture and any other details you have to us, and we can give you a ballpark estimate. Of course, without seeing the piece in person, it will be something of a guess, but it should give you something to go on.

44. mike chozinski says:
May 13, 2018 at 8:03 pm
I have a older hand cut diamond. Does this make it more valuable than a laser cut gem? Do you buy diamonds through this process?

Then weigh the diamond in carats to the hundredth (1 carat is 1/5th of a gram).

– In general, the older cut diamonds are slightly less valuable than modern cut diamonds (which, interestingly enough, are still mostly cut by hand in the larger sizes) unless they are still in an excellent condition antique piece of jewelry in which case they can be worth more. Now you should be comfortable identifying your diamond. I would need to see it in person to give you a price. Then weigh the diamond in carats to the hundredth (1 carat is 1/5th of a gram). Then measure its depth (you can also measure length and width, but to hit the exact same spot twice takes training, and depth is the easiest to do at home). You don’t have to trust anyone else to tell you it’s your diamond because you know exactly what it looks like.

Before you send it, email us a picture of it along with the info you came up with: weight, dimensions, etc. Then we can go over the shipping. Hopefully that answers your questions, and feel free to contact us if you have any other questions. Insurance details. If we don’t buy your diamond we will send you back the same one you sent us. You will be able to verify this yourself by checking the weight, measurements, and inclusions.

45. Patty says:
April 27, 2018 at 5:51 pm
My cousin got a platinum lariat necklace, about 30″ long, thick chain with tassel ends. What do you think we can get for it? Her hubby had it made by a local jeweler, who says it cost him $8000 and he did not make a dime on it. The attorney is holding her jewelry in his vault.

– We would need to see the condition, style, workmanship, weight, etc. of the necklace to help you figure out what a fair value would be. But, my guess is that the executor might be quoting you some percentage less than the intrinsic value of the platinum content only which means they haven’t been able to find a retail buyer for the necklace.

If we had some more information (gram weight of platinum, etc.), we could give you a ballpark intrinsic value. Feel free to email us if you have any other details on the piece.

46. Aaron Smith says:
April 15, 2018 at 10:02 am
I have 14k ring what’s your offer for it?

– If not, you can always email us some pictures and details about the ring (gram weight, gemstone specs, etc.), and we can give you a ballpark estimate of its value.

47. Kim says:
April 14, 2018 at 9:35 am
Hello. Here is an example of one of the tags:

10KT 3.35CTW OV/RD (can’t see clearly, but I think there’s a 7 after the D) PS GAR/.14CTW DIA RG

Can you estimate it’s intrinsic value?

– Unfortunately, without seeing the rings in person we can’t give you an accurate estimate of their intrinsic value. We can even evaluate jewelry over the mail if you would like. Feel free to contact us if you’re interested in that option.

48. 925 etched on the underside of the closing clasp. I was wondering would it be worth any value?

49. Lynn Weeks says:
April 3, 2018 at 1:39 pm
I have a 18 inch tri color (silver, gold, rose gold) twisted flat necklace. It’s about 30 years old. How much is it worth?

– I would have to see it in person to give you an accurate value. Feel free to bring it by anytime we are here.

50. 5mm or 3.0mm not damaged and not scratched still looks new how much do you think its worth?

– Since the piece has simulated stones most of the intrinsic value is in the 10k gold. On a journey necklace that could range from $20-100. Click the links to see our articles with tips. Tricks for selling jewelry on each platform.

51.

Would they even take a single stud?

52. I have this one earring left. It’s several smaller ones in a flat setting. Would they even take a single stud? I’m new to this. It’s not one diamond.

– Most jewelers like us or pawn shops would have no problem taking a single earring. That said, we have a lot of experience duplicating earrings, so if you didn’t want to sell it, we should be able to make a replacement for you. Feel free to contact us if you’re interested in that or if you have any more questions.

53. Ira Lynn says:
January 26, 2018 at 8:16 pm
Hello! Thanks for the wonderful article! It has 5 princess cut topaz ranging in color on it. I have a 9k yellow gold ring that is approximately 1 gram. I would really appreciate it if you can tell me what’s the value of it.

– I’m glad you like the info. Condition of the jewelry as well as its style. I would have to see the ring in person as the value depends on the quality. But, a rough range would be $15-100 wholesale.

54. Interesting. Informative site. Thank you.

– I’m so glad you have found the site helpful. Depending on the ring’s condition, you may be able to find a retail buyer for around $300-500. However, if the ring is a dated style, damaged, or worn, the scrap value is closer to $200. It’s lower than the spot platinum market value because you need to factor in the costs of the refining process when you assay platinum. To answer your question, at the current platinum market your ring has $230 worth of platinum.

55. Stanton Freeman says:
December 14, 2017 at 3:35 am
Hello, can someone possible tell me what my jewelry is worth or what a realistic/reasonable offer would be. I’m not sure what the weight is individually, due to me not having a proper scale to weigh them. It is a 24 inch 14k gold chain infused with sterling silver also with a smaller sized 24k gold crucifix. The chain was nearly $535 and the charm was slightly over $220 (plus $100 lifetime warranty) bringing the total to around $855.

I’ve still got the receipts for them. Was this a good deal for me or did they rip me off? Any help would be appreciated!

– Since you just bought the jewelry about a month ago, if your not happy with it try and return it to the store you bought it from. Gold plated silver jewelry has very little resale value. Another red flag is that most jewelry is not made out of 24k gold since it’s so soft that it doesn’t hold detail well. But, don’t delay as most stores have about a 30 day return policy. So, your crucifix may also be gold plated.

56. Keith says:
November 26, 2017 at 3:13 pm
Good Day.

Basically a colleague aims to sell some gold pieces (some w/ stones & some w/ out) to a pawn shop.

Thanks muchly in advance.
Keith

For example, even pawn shops make mistakes.

– As you are aware, we can’t give you really accurate information without more information about the specific pieces in question. Keep in mind though, that there are definitely exceptions to that range. For example, even pawn shops make mistakes. The ring was stamped 14k but tested on my gold tester to be fake gold. However, in general, you might expect a pawn shop to offer anywhere from 30-70% of the intrinsic value.

The 10 side diamonds weigh 0.25 carats total.

57. Sharon says:
November 26, 2017 at 8:44 am
I have an 18kt yellow gold 11 diamond engagement ring. We would like to turn it into a new ring. The 10 side diamonds weigh 0.25 carats total. The center diamond measures 11mm x 6.5mm. Weighs approximately 1.39 carats.5mm and weighs approximately 1.39 carats. What could we expect as to its value?

– We love redesign projects like this, so feel free to send our designers an email with any details on the new design, and we can give you more accurate information. If you’re trading your diamonds in for different ones, then we would need to see them in person to be able to give you an accurate trade in value. That said, if you’re using your existing diamonds and gold in the new design the labor for the redesign could be as little as $500 or as much as $1,500 based on the complexity of the new design.

06 ct each, .96 carat total weight.

58. I have appraisals on both. 1.5 carats. The opal is surrounded by 16 matching crown set round, brilliant cut diamonds weighing approx. The appraised value is $4,675.00. The opal is 12.50×6.65.2.44mm and weighs approx. .06 ct each, .96 carat total weight. The ring weighs 5.7 grs. The first is a 14kt yellow gold opal and diamond ring.

The second ring is an 18k white gold sapphire and diamond ring. .04 ct each, .64 carat total weight. 2.65 carats. The sapphire is surrounded by a halo of 16 matching shared prong set round brilliant cut diamonds that weigh approx. .06 ct each, .36 carat total weight. The sapphire is 10.71×8.22×3.76mm and weighs approx. The shanks of the ring contain six matching round, brilliant cut diamonds, three on each side of the center stone, that weigh approx. The ring weighs 5.9 grs. The diamonds grade as “G-H” in color, “VS” in clarity.

– One of our gemologists has sent you an email to discuss your rings further.

59. Stephanie Replogle says:
November 16, 2017 at 10:46 am
I have a ring that was from 1975 14k with a really small diamond I’m not sure on the size of the diamond but how much would it be worth and can you make another one like it

– We would be happy to let you know how much your ring is worth, and we should definitely be able to make another one like it for you. I’m having one of our gemologists email you to get a bit more information.

– Stephanie Replogle says:
November 17, 2017 at 3:50 pm
Thank you I would love to know

60. I do have appraisal paperwork from 2011 stating “A lady’s 14k white gold engagement ring mounting measuring about 3.73mm wide and tapering to the back. Set in the center is a round, brilliant-cut diamond weighing, as estimated by its 6.7 x 4.13mm measurement to be about 1.17 carats. As its sides are set two full cut diamonds weighing .10 carats each. In their settings we judge the GIA color and clarity to be G/VS-1.”

Any estimate on the cash value would be greatly appreciated

– But, with the info you have, most likely the ring will fall in the $800-4,000 range (cash wholesale value). There is a lot of variability due to the workmanship, style, and condition variables discussed in the post.

61. Heather Rena says:
August 21, 2017 at 12:22 am
Hi! I have a 14k white gold engagement ring 1/2 Ct TW center stone 1/4 with one on each side and 20 around those.

– Helzberg is a good company, but most of them are located in the mall, so their rent is rather high. Hopefully that helps a little, and we wish you the best with your ring. I would have to see the ring in person to say for sure, but the cash wholesale value is most likely between $160-400.

62. It has 24 modified heart cut pink tourmalines, weighing approx 0.75 carat each totaling approx 18 carats. I don’t know the difference can you tell from this?

– That sounds like a nice bracelet. It will probably be easier to discuss over email, so we’ll email you in a little bit so we can talk more.

63. How much do you think it is really worth?

– I would have to see the bracelet in person, but usually when you pawn a piece of jewelry you do get less than when you sell it outright to a jewelry store. Feel free to bring it by my store anytime we are open for a free value appraisal.

64. My question is, the appraisal came back at $775, what is the selling price in comparison to the appraisal price? I appreciate any feedback.

Best,
Megan

– That said, in practice we have found that the selling price of a piece usually ranges from 10-50% of the appraised value assuming a standard insurance appraisal.

Hopefully that helps, and if you would like a more accurate estimate, please feel free to bring the ring by our shop anytime for a free evaluation from one of our gemologists.

One was for insurance purposes.

– Megan says:
July 4, 2017 at 10:07 am
Thank you so much for you response. The appraisal was an appraisal for resale, not for insurance. In proposing an asking price, how close to this figure is appropriate. One was for insurance purposes. I should have included that in my question. The reports were vastly different. There in lies my question. One was for selling. The appraiser specifically asked me the purpose. I had two done that day. My ring (for resale) came back at $775.

I am learning a great deal!

Warmly,
Megan

– Unfortunately, most of the people who buy estate jewelry don’t know that there are several different types of appraisals and so they assume that the appraisal you have is for insurance purposes (since that is the most common type). So, you need to educate the buyer that the appraisal you have is what the item should sell for and try and get 50% to the full value of $775.

Depending on the marketplace you choose you might use different strategies for your asking price (e.g. starting high and expecting to haggle, starting low to generate interest in an auction, etc.).

We wish you the best in selling your jewelry.

65. Can you help me out?

– Please feel free to bring the chain by our shop anytime, and one of our gemologists will be able to evaluate it and let you know how much it is worth.

66. I want to sell it. Jewelry stores won’t give me the value for it. Thanks.

– I would think you should be able to find a retail buyer for that solitaire in the $100-$300 range.

67. What would be the approx. cost of this please? A 10K yellow gold sapphire and diamond ring.

Metal Type: 10K Yellow Gold
Ring Size: 6.50
Hallmarks: 10K
Total Weight: 2.60 dwt

CENTER STONE
Type: Natural Sapphire, Marquise
Dimensions: 5.00 mm x 2.50 mm

SIDE DIAMONDS
Count: 10
Shape: Round Single Cut
Grade: HI, VS
Dimensions: 1.00 mm, 0.05 ctw

SIDE STONES
Count: 20
Type: Natural Sapphire, Marquise
Dimensions: 3.00 mm x 1.50 mm

– Depending on the quality of the gemstones the cash wholesale value of that ring could be anywhere from $30 to $180.

68. Can you please tell me there current price. Who can buy these back to give us this value.03, D1-0.09.

– Please feel free to bring them by the store anytime.

69. Dan says:
May 28, 2017 at 7:03 pm
Hello, my girlfriend received a solid .925 sterling silver banded, 4.00 ct emerald & white sapphire ring from her aunt who passed away, we were wondering if there is any value to it?

– As a general rule if a stone is set into sterling silver, it is probably not very expensive since silver is quite a bit less expensive than other precious metals like gold and platinum. Also, there are a lot of synthetic and imitation gemstones that are set into sterling silver. But, hopefully that rule of thumb helps a little bit.

70. Jennifer Fuja says:
May 23, 2017 at 4:31 pm
Hi. It is a 14kt gold setting. The wedding band. Engagement are soldered together. I can’t find my actual bill of sale and appraisal, but original price was around $5,500. Any idea what an approximate resale value might be?

– Your biggest hurdle in finding a new home for that ring is probably going to be the style of it. Also, style trends are always changing, and the look that most people are looking for has changed since 1985. If you’re interested, you can read more about cash wholesale vs retail value on our article here. Right now, marquise cut diamonds are selling rather slowly.

Hopefully that helps, and let us know if you have any other questions.

71. The local jeweler wants $200 to look at it. Any suggestions?

– Charging someone $200 just to look at their jewelry seems ridiculous to me unless they are also writing up an insurance appraisal. Anyway, if you would like to email me some pictures and details on the ring (metal, gram weight, etc.

72. Denetria says:
May 22, 2017 at 1:56 pm
I have a 14K gold tennis bracelet with 2 carats of diamonds in it. I want to sell it. I bought it about maybe 15 years ago. I have no idea of what it might be worth. Could you please give me an idea of a price to sell it for?

73. If someone can help me out that’d be great. Thanks!

– Most of the value of a designer piece like that is going to come from the “other factors” we talk about in the article. My guess is that the intrinsic value will be quite low, but that’s a really minor factor in this case. So, it would be very difficult to give you an accurate estimate.

Your best bet would be to test the market at different price points. Feel free to contact us if you have any additional questions. You need to find a buyer who understands and appreciates the extra, intangible value of the jewelry in order to sell it for the best price.

74. Diego says:
May 11, 2017 at 2:19 am
Hello. Would you be able to say an estimate from a picture? Thank you!

– If you know the gram weight of the jewelry that will be a big help. If you know the carat weight or millimeter size of the gem that would also be helpful. The size of the main gem is also important.

A photo can give us a lot of information about the style and condition of a piece and sometimes the color. There is also the problem that all computer monitors show colors differently. But, the problem with photos is that it is very difficult to get an accurate photo of the tiny details we need to see to grade gems.

All of that to say, if you can email us photos and whatever information you have on the piece, we should be able to give you a ballpark estimate of its value. But, we would need to see it in person to say for sure.

75.

Material: 925 sterling silver filled (stamp S925)
Size: US size 6/7/8/9/10
Stone: Diamonique CZ
Stone weight: 3ct
Stone size: 3mm*3mm
Quality: High quality
Condition: Brand New

That’s what was on the cad when she got it. I wanted to know if it’s worth anything.

–

76. I bought it last 2011 for the price of $350.

If you can stop by the shop, that would be the easiest way.

– That sounds like a unique piece. Most standard gold alloys are either 21k or 22k, so if you earrings are 20k, they are probably a custom gold alloy. If you can stop by the shop, that would be the easiest way. If not, you can email me a picture and any details on the piece, and we can go from there. I would need to know the exact gram weight, and the diamond stats (color, carat, clarity, cut etc.) to be able to figure out a ballpark price.

I have no idea what the ring is.

77. Marie pitkin says:
March 7, 2017 at 8:42 am
My partner of 21 years passed away two years. Please help me find out what it is, and how much it’s worth. It’s maybe gold and has a stone that looks like a diamond on top with two blue stripes on the side of the ring. I have no idea what the ring is. It has a symbol on the inside of the ring.

– We can probably help give you a rough idea of how much that ring is worth. Please email us some pictures of it along with any details you have on the ring (any stamps or inscriptions on it, gram weight, etc.), and we’ll see what we can find out for you.

78. 00 but don’t know where to sell it for much less.

– It sounds like you have an interesting piece there. If you would like to email us some pictures and any details you have on the piece, we might be able to point you in the right direction.

79.

– We would love to help. If not, you can email us some pictures and any details you have and we will do our best to give you an idea of how much they are worth.

80. Alice says:
January 19, 2017 at 2:50 pm
People, apparently you need to send in pictures of the items you are trying to get priced. I’ve seen them write to send pictures. Any relevant information to almost every person. Maybe read the other comments then do that before making them type it over and over again.

– Of course, it’s always best to see it in person if that’s an option as well. But, if someone doesn’t read through the other comments, it’s ok, we don’t mind the typing practice.

81.

I just moved into our new home and have been trying to get a hold of the last owner but they cannot be contacted. It looks beautiful. I’m wearing it right now. I’m assuming the ring is not worth much as they left it behind?

– It sounds like you have a 14k gold ring there, but without seeing it we can’t say for sure. Otherwise, you can email us some pictures, and we can do our best from that.

82. To my knowledge, it’s never been appraised.

– Feel free to bring the set in to our shop some time. Our gemologists can take a look at it for you. We wouldn’t be able to give you a very accurate evaluation over email, but we can normally get in the right ballpark for you. If you are not in the area, you can always send us some pictures and whatever details you have about the piece.

83. I have an opal flower cluster ring, total of 9 stones.

– Yes, please send us some pictures along with any details you have about the ring (gram weight, etc.), and we can try to help answer some of your questions.

84.

– We would be happy to give you an estimate of how much your jewelry is worth.

Kind thanks for any info you can offer.

85. Cherie Rohn says:
November 6, 2016 at 11:40 am
I have a vintage stamped “Tiffany & Co. It also has a locking gold clasp marked “14k. I’m interested in selling the chain. Kind thanks for any info you can offer. I can email you photos. 1.2 cm x .5 cm.

BTW, your diplomacy is admirable in your answers to the above.

P.S.

Thanks again.
CR

– That sounds like a very nice chain. If at all possible a weight in grams. Please send me some pictures.

86.

– Generally, with 14k there is a good chance the gems are genuine. We can give you a free value appraisal so you know exactly what you have. Please feel free to bring all the jewelry by anytime we are open.

87. Michelle Herrera says:
October 20, 2016 at 12:33 pm
I need a pendant to be appraised.

– Feel free to bring it by anytime we are open. They should be able to accurately evaluate your pendant.

88. Jane Barker says:
October 14, 2016 at 1:34 pm
Great articles.00?

– That really depends on the style of the earrings. If they are simple studs, they could be worth anywhere from $50-$300 today depending on the quality and the buyer.

89. Carrie says:
September 5, 2016 at 9:05 am
Hello!! I’ve been reading your articles and they are very informative! Carrie What do you think a normal return on a resale would be? I have to confess, all of this is very new and the math sort of boggles my mind.! Thank you for sharing your knowledge. She recently purchased a sapphire/diamond ring that has an appraisal value of $42,000.

– Buying and selling estate jewelry can definitely be a mind boggling experience. It’s hard to say what the resale value on a piece like that might be without seeing it. If you would like to email us some pictures and any other details (copy of the appraisal, etc.) you have we can try to point you in the right direction.

90. kimlywatson says:
August 19, 2016 at 2:47 pm
I have a diamond watch that was handmade in a little jewelry/watch boutique. watch seller? pawn shop? Would you be interested?
Thanks, K Watson

A high-end piece like that is sure to attract a lot of scammers.

– Arden Jewelers says:
August 29, 2016 at 1:34 pm
Hello, thanks for thinking of us. Another good place to sell it might be eBay, but be careful. Checkout our article on how to sell on eBay if you want to go that route. A high-end piece like that is sure to attract a lot of scammers. That sounds like a lovely watch. We would be happy to take a look at it if you want to email us some pictures.

91. The band is 18k rose gold with diamonds and that was $2,200. The center diamond is a 1.23 carat cushion cut that he paid $6,600.

Mine is only $600 more than the purchase price.

The appraisal value is $9,400. Thank you It is also a made to order ring from a reputable designer and jeweler. Is that normal? I just want to make sure he didn’t get ripped off. Mine is only $600 more than the purchase price. I’ve seen many people with outrageous appraisal values.

– As you have read in the article, appraised value can have little correlation to the actual market value of a piece of jewelry. But, it sounds like it is within the range of what is reasonable. The paperwork in person to verify if it was done correctly. I would have to see the ring.

92. If you could reach me back that will be great.

– Without seeing the piece in person, it’s hard to say how valuable it might be. But, feel free to send us an email with some pictures of it and any details you have (gram weight, gemstone weight/quality, etc.), and we’ll help as much as we can.

93. Gold.

– It’s always difficult to say without seeing the jewelry in person, but if you can email us some pictures of the buttons, we can give you a better idea.

94. MARTHA says:
May 4, 2016 at 1:31 pm
Hi found your site very insightful.53cts (princess cut). And one I got from my mother in-law when she passed away (approx: 7.8ct oval, J color SI3). Also, one from my great aunt (10.

Thanks

– We would be happy to help. The best way would be if you can bring the pieces into the shop. If that’s not possible, you can email us some pictures so we can get a better idea of what they look like and how much they might be worth.

95. mary langus says:
April 26, 2016 at 7:07 am
I have a 1/2 carat diamond ring in 14k karat gold, it is a size three. How much is it worth?

– We would need a lot more information about your ring to give you a good approximation of how much it is worth. Of course, the best way would be if we can look at it in person.

96. Melanie says:
March 26, 2016 at 10:48 pm
Hi! I got a 14 karat gold tricolor necklace 20″ long with a fortune fan design pendant in HK last week. I don’t know if the 4,070 HK$ is already a good buy. I hope it was not a case of tourist trap. There are 7 small diamonds 0.04 ct/7 in the pendant.

If it weighs any more than that, then you paid less than the scrap value of the metal.

– It sounds like you found an interesting piece there. Without seeing it in person, we can’t accurately evaluate the intrinsic value for you. Hopefully that makes sense, and feel free to contact us if you have any additional questions. If it weighs any more than that, then you paid less than the scrap value of the metal. That said, if my currency conversion is correct and the piece is indeed 14k and it weighs around 23 grams, then you paid the spot metal price for it. If it weighs less than 23 grams, then however much less represents how much you paid for the workmanship, style, and delivery of the piece.

97. Is a diamond’s value affected if it has numbers/letters etched on the girdle of the stone (certified #’s)?

– I may even write a blog later to answer it fully. The information that is actually on the certificate (color, cut, clarity, etc.) is what really impacts the value. So, the short answer is: yes, but only a little bit. Where a diamond is mined doesn’t affect its beauty. In the meantime though, let’s cover the basics. But, so can the natural inclusions that are in most diamonds. Having the certificate number on the girdle makes it clear that the diamond is certified, but simply being certified doesn’t have a very significant impact on the value of the stone. The numbers on the girdle (normally the certificate number) can make it easier to identify that a diamond is your diamond.

98. 86 carats total. The next two round brilliant cut diamonds equal .42 ct. #055. Total weight without movement is 21.7 dwt. Fits a seven inch wrist.” This watch is tested and running.

Key missing information is the gold weight of the watch… sorry. Any guidance on how to project a fair retail cost is appreciated.

– goldcalc.com indicates at 18 dwt. So total in intrinsic value about $2000 (sound right?).

So, with this for a vintage piece (sorry can’t figure out how to add pics) which is a 14kt white gold bracelet with the watch face concealed by a gold hinged cover which is where all of the diamonds are displayed with the largest in the middle flanked by the progressively smaller diamonds, what is a fair price to pay?

I would estimate $800 – $1,400 for them depending on the cutting and grading variances.

– The diamonds are a bit trickier. Since it’s not an especially famous brand, it can be difficult to estimate how much above intrinsic value the retail price should be. Anything above that is just what 2 people agree on based on the design of the watch and its current condition. I would estimate $800 – $1,400 for them depending on the cutting and grading variances. So, if someone bought the watch for $1,400 – $2,000, they would be buying it at close to intrinsic value.

99. Sonya says:
February 19, 2016 at 10:56 am
I have a 4 ct tennis bracelet, clarity is l1-12 and color is h-l.

– Arden Jewelers says:
February 24, 2016 at 1:29 pm
Hello, that sounds like a pretty tennis bracelet. Can you please email a couple good pictures of it (front. Back) to [email protected]?com?

100. I have the appraised value but would like to turn it in on a new jewelry purchase. Gerrie

– You can email us ([email protected]) some pictures and any information you have about the watch, and we can give you a rough ballpark value. We would need to see pictures of the face, the band, and a picture holding the watch by the movement with the face perpendicular to the floor and the band free to hang down.

Of course, if we could see it in person, that would allow us to give you a much more accurate value. Every shop is different, but we are able to give more value as a trade in than a cash payment.

101. erwin kaplan says:
December 24, 2015 at 8:35 am
Very informative.com?

– If you can email us some pictures and descriptions of the items, we can generally give you a rough idea of what they are worth. Have a great day. Email them to: [email protected].

102. Melissa Pack says:
December 1, 2015 at 3:28 pm
I was wondering how much a sapphire art deco inspired ring with 12 diamonds encrusted all around the sapphire is worth?

– Without being able to see the ring in person, we won’t be able to give you a very accurate value estimate. However, if you would like to email us some pictures, we can usually give you a ballpark value.

103. Jacquie says:
September 12, 2015 at 6:00 am
I have a custom designed 14K yellow gold tennis bracelet (12 diamonds) appraised for $3,850 in 1989. I recently lost it and would like to know what it is worth in 2015.

– Arden Jewelers says:
September 14, 2015 at 12:06 pm
I’m sorry to hear about your bracelet getting lost. Feel free to email a picture of it to [email protected].

104. It’s a 60 year old diamond in a much older plain gold setting. Do you have any advice? I am offended and don’t see how my appraised antique diamond of $6,000 can be replaced. Thank you. At whole sell value they want me to use their gem company to replace it. How can you replace a diamond like that? I’ve heard that old diamonds are better then new.

– As far as monetary value is concerned, the difference between an old diamond and a modern cut diamond is nominal. Which style you like the look of better. It’s mostly a mater of personal preference. Neither one is really “better” than the other, gemologically speaking.

It seems very strange that they would offer such a small amount given the appraised value.

I would inquire about having them cash you out vs. The whole point of having an appraisal is so that the insurance company will be able to either replace the item with one of comparable quality or pay you a fair amount for it. Hopefully that helps, and please let us know if there’s anything else we can do for you. replacing the diamond for you. It seems very strange that they would offer such a small amount given the appraised value. So, if they do give you a check, we can recreate a ring as close to the original as possible for you.

105. To my knowledge, it’s never been appraised. Thanks! Heck, we don’t even know if the rubies are real. How much will an appraisal run us? We assume they are. Is it worth it to bring it in for an appraisal. Not set in gold though. It’s some sort of silver maybe?

It is difficult to say if they are worth appraising without seeing them.

– It sounds like you have some interesting pieces there. Feel free to stop by the shop anytime we’re open. That way we can give you an idea of what they are worth. If it makes sense to get a full written insurance appraisal. It is difficult to say if they are worth appraising without seeing them. We would be happy to take a look at them for you at no charge.

106. It is a 1/2 carat diamond anniversary band. Is it repairable? And, I wonder how expensive it would be. Thanks, Dawn.

– We have been able to fix some severly damaged rings in the past, but we would really need to see it in person to know for sure if it’s fixable. Hopefully that helps, and we wish you the best with your ring. Your diamonds are most likely ok though, and if it turns out that the ring is too far gone, we could always melt the gold and remake the ring with your same diamonds.

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