Wards Coin Jewelry And Loan

04/22/2026

We've had an over abundance of 90% coming through the shop so next week we will be offering it for sale at 98% of the silver value. Stop by the shop and get some while supply lasts. Monday - Wednesday 10-3

03/04/2026

We've been very busy the last couple weeks. Don't sell until you've gotten an offer from us.

01/19/2026

52 oz of fine silver, generic, spot plus $2. Get it while you can!

01/08/2026

I asked the refinery where the 1000 ounces of silver was I ordered a week ago, they said they were still waiting for people to sell them more so they could fill my order. Supply is drying up fast!

12/18/2025

The moment we've all been waiting for... Christina Jochum, tagged by Debra Holt, is the lucky winner of our $500 drawing on this page!

12/05/2025

We have been incredibly blessed this year and would like to give back to show our appreciation. We will be drawing a lucky recipient from the people tagged on this post, so tag one or more friends that you appreciate and if your friend is chosen then we have a small gift for you too. Prize drawing to be announced on 12/18/25

We are the Upper Valley's premier buyers of estate jewelry and coins. We offer collateral loans, and the smallest buy/sell spreads on bullion in the area.

11/29/2025

Assortment of sterling and 90% for sale at $1 under spot, get em while you can.

11/25/2025

Let's talk about appraisals for a moment and what they are, how they function, and why they are extremely misleading as to the intrinsic value of an item.

There are two types of appraisals, the insurance appraisal being by far the most common and the one we will discuss today.

An insurance appraisal is designed to have a replacement value that will be enough to cover small increases in replacement cost over the course of 3 years. These costs include labor, inflation, materials, manufacturing, and general markup.

The way the appraisal is supposed to work is that it provides enough specific information about the item that you could go into a jewelry store and have that item custom made again in the event of theft, loss, or damage. The insurance company is required to replace the item and will do so at their expense, which is much lower than the replacement value, unless the item has been improperly insured and the insured value is less than their expense to replace it, in this case they will give you the cash insured value.

So what is an item worth if an insurance appraisal replacement value shouldn't be used as a basis for intrinsic value? I'm glad you asked.

The cash value of your item is worth the parts minus the expense and time needed to turn those parts back into usable cash again for the store. The value of those parts is regularly in flux which also is taken into consideration.

For example, let say you custom make a ring. It contains 6 grams of 14k gold and a nice mid grade half carat sapphire. The design process usually cost $500. The process to transform the raw gold into the ring and the labor involved plus the stores markup brings the gold cost to around $1800, and the sapphire with a 5x markup (typical for colored gemstones) costs around $1500. You now how a custom ring that cost you $3800. When you sell that ring you don't get the design fee back or the stores markup, or the labor, or manufacturing costs. You are left with a sapphire that has a wholesale value of $300 and 6 grams of gold worth $460 at today's gold price, $760 total. The store can't buy the sapphire back for $300 because that's what they paid for it from their vendor. That vendor got it from their source and marked it up to the store. Usually at this level in the network the markup is around 40% on colored gemstones. This brings the vendors cost on the sapphire to $215 which means they offer to buy the sapphire back from the store for $160 and the store offers to buy it back from you for $125. Now your $3800 is down to $585. Now we deal with the gold. The gold has to be melted down and recycled back into pure gold in order to be used again in a new piece of jewelry. The refinery charges a few to do this and has a minimum amount that they need to process at a time. The store has to account for the gold market going down by the time they have enough to send in plus the refining charges, plus the refinery doesn't pay 100% of the gold value, (they need their cut too), and this brings the store to offer 70-85% of the gold which is standard. Let's use the 85%, so your $460 is now $391.

Your intrinsic cash value is $516

11/24/2025

Too much to bring in or too far away? We are willing to travel, even if we have to fly there. Call or text anytime with questions. 603-443-2398

11/22/2025

We don't just buy solid gold and silver, we also buy gemstones, foreign coins, silver plate, and pewter amongst other things.

11/21/2025

How much is your sterling flatware set worth? This is a setting for 12 and is worth a little over $4,000. Time to dust off your set and bring it in.

We are the Upper Valley's premier buyers of estate jewelry and coins. We offer collateral loans, and the smallest buy/sell spreads on bullion in the area.