黃金和白銀價格飆升，這可能對您來說意味著意外之財

到目前為止，這是一個炎熱而潮濕的夏天，而且還會有更多的夏天，但如果你還在這裡，你就會得到一個「R」代表彈性。更好的日子還在後面。

The summer of 2022 has been hot and sticky with more to come, but if you're still here you get an "R" for resilience. Better days are ahead.

2022 年的夏天炎熱而粘稠，而且還會有更多的夏天，但如果您還在這裡，您就會獲得“R”，代表韌性。更好的日子還在後面。

In the meantime, the antique business continues apace, and it's time for a few general notes on the subject as fall comes into view.

同時，古董生意繼續快速發展，隨著秋天的到來，是時候對這個主題進行一些一般性的說明了。

First of all, you're probably aware that gold and, to a lesser extent, silver are selling for exceedingly high prices. In particular, gold prices are so high that it has negatively impacted the market for fine jewelry. Gold bracelets, chains and even pendants of unexceptional design have become nearly impossible to sell over and above the underlying value of their metal.

首先，您可能知道黃金和（較小程度）白銀的售價非常高。特別是，黃金價格如此之高，對高級珠寶市場產生了負面影響。金手鐲、金鍊，甚至是設計平平無奇的吊墜幾乎不可能以高於其金屬潛在價值的價格出售。

As I write this, the spot price of one gram of 14k gold is $44.81, while a similar weight of 18k gold is selling for a whopping $57.61. Thus, that little nothingburger chain with a tiny "14k" stamp you have in your jewelry box and haven't worn forever is likely worth an airline ticket somewhere, maybe even a round trip. And that clunky pendant you inherited from Grandma all those years ago might cover your mortgage payment. It's time to rummage around and see what you can part with.

在我撰寫本文時，一克 14K 金的現貨價格為 44.81 美元，而類似重量的 18K 金的售價高達 57.61 美元。因此，你的珠寶盒裡有一個帶有“14k”小印章但從未佩戴過的小漢堡連鎖店，可能值一張機票，甚至是一張來回機票。多年前你從祖母那裡繼承的那個笨重的吊墜可能足以支付你的抵押貸款。是時候翻箱倒櫃看看你能放棄什麼了。

To help you do so, consider the following. First, invest in a small battery-powered coin scale that measures both in grams and ounces. They're inexpensive, widely available online and will give you a rough idea of the value of the jewelry you're looking to sell. Keep in mind that you won't get "spot" prices from one of those companies that advertises to buy your gold and silver. They sell to refiners at narrow margins and need to keep their lights on, so offers of 80-85% of spot are about as good as you're going to get. There can be some finagling in this business too, so make sure you watch everything being weighed. It's easy for unscrupulous buyers to overlook a few things when the process is not in full view.

為了幫助您做到這一點，請考慮以下事項。首先，投資一個小型電池供電的硬幣秤，以克和盎司為單位。它們價格便宜，在網路上隨處可見，可以讓您大致了解您要出售的珠寶的價值。請記住，您不會從那些宣傳購買黃金和白銀的公司之一獲得“現貨”價格。他們以微薄的利潤向煉油廠出售產品，並且需要保持運轉，因此 80-85% 的現貨報價就相當於您能得到的一樣好。這個行業也可能存在一些欺騙行為，所以一定要注意權衡一切。當流程不完整時，不道德的買家很容易忽略一些事情。

As for keeping abreast of spot prices, considering adding the Coinflation app to your computer or phone. It provides up-to-the-minute information on gold and silver in various formulations and also includes market prices for U.S. silver and base metal coins.

至於隨時了解現貨價格，請考慮將 Coinflation 應用程式新增至您的電腦或手機。它提供各種配方的黃金和白銀的最新信息，還包括美國白銀和賤金屬硬幣的市場價格。

For example, if you're wondering what the silver content value of a Morgan dollar is at the moment, Coinflation will tell you. Interestingly, it is illegal to melt down U.S. cents and nickels for their underlying metal content, but not silver and gold coins. The reason is that low face value coins often contain metals worth more than the coin's currency value. With that said, however, it's nearly always the case that higher value coins will be worth more than their underlying metal value.

例如，如果您想知道目前摩根幣的含銀量是多少，Coinflation 會告訴您。有趣的是，熔化美分和鎳幣以獲取其底層金屬含量是違法的，但銀幣和金幣則不然。原因是低面值硬幣通常含有比硬幣的貨幣價值更高的金屬。然而，話雖如此，高價值硬幣的價值幾乎總是高於其基礎金屬價值。

And speaking of coins, that market has surged dramatically in the past year along with metal prices. We're selling both foreign and domestic coins almost every day now and buying both as well. It's amazing how many of our customers have a cache of coins somewhere, perhaps from coin collecting as a youngster or maybe from an inheritance. It's a fascinating hobby that teaches history, geography, metallurgy and other subjects, and there's room for collectors of all ages and financial means. And while the precious metal market will always go up and down, rare coins will generally hold their value.

說到硬幣，去年該市場隨著金屬價格的上漲而大幅上漲。我們現在幾乎每天都出售外國和國內硬幣，也購買兩種硬幣。令人驚訝的是，我們的許多客戶在某個地方都藏有硬幣，可能是小時候收集的硬幣，也可能是繼承的遺產。這是一種令人著迷的愛好，可以教授歷史、地理、冶金和其他學科，並且適合各個年齡和經濟能力的收藏家。雖然貴金屬市場總是會漲跌，但稀有硬幣通常會保值。

Mike Rivkin and his wife, Linda, are long-time residents of Rancho Mirage. For many years, he was an award-winning catalogue publisher and has authored seven books, along with countless articles. Now, he's the owner of Antique Galleries of Palm Springs. His antiques column appears Sundays in The Desert Sun. Want to send Mike a question about antiques? Drop him a line at info@silverfishpress.com.

麥克里夫金 (Mike Rivkin) 和他的妻子琳達 (Linda) 是蘭喬米拉奇 (Rancho Mirage) 的長期居民。多年來，他一直是一位屢獲殊榮的目錄出版商，並撰寫了七本書和無數文章。現在，他是棕櫚泉古董畫廊的老闆。他的古董專欄每週日出現在《沙漠太陽》上。想向麥克發送有關古董的問題嗎？寫信給他：info@silverfishpress.com。