"Can you tell me what this is worth?" My standard answer is "It is worth what you paid for it. If you want a professional appraisal I charge $60 an hour, minimum two hours to evaluate and determine the value." "But I don't want an appraisal, I only want you to tell me what it is worth."
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There are very few things that can be said that are the same for every jewelry store out there, but one of them is that if you ask and dig around at the very back of the safe, you will find a box.