黄金和白银价格飙升，这可能对您来说意味着意外之财

到目前为止，这是一个炎热而潮湿的夏天，而且还会有更多的夏天，但如果你还在这里，你就会得到一个“R”代表弹性。更好的日子还在后面。

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 年的夏天炎热而粘稠，而且还会有更多的夏天，但如果您还在这里，您就会获得“R”，代表韧性。更好的日子还在后面。

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.

与此同时，古董生意仍在快速发展，随着秋天的到来，是时候对这个主题进行一些一般性的说明了。

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，您可能知道黄金和（较小程度上）白银的售价非常高。特别是，黄金价格如此之高，对高级珠宝市场产生了负面影响。金手镯、金链，甚至是设计平平无奇的吊坠几乎不可能以高于其金属潜在价值的价格出售。

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.

在我撰写本文时，一克 14K 金的现货价格为 44.81 美元，而类似重量的 18K 金的售价高达 57.61 美元。因此，你的珠宝盒里有一个带有“14k”小印章但从未佩戴过的小汉堡连锁店，可能值一张机票，甚至可能值得一张往返机票。多年前你从祖母那里继承的那个笨重的吊坠可能足以支付你的抵押贷款。是时候翻箱倒柜看看你能放弃什么了。

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.

为了帮助您做到这一点，请考虑以下事项。首先，投资一个小型电池供电的硬币秤，以克和盎司为单位。它们价格便宜，在网上随处可见，可以让您大致了解您要出售的珠宝的价值。请记住，您不会从那些宣传购买黄金和白银的公司之一获得“现货”价格。他们以微薄的利润向炼油厂出售产品，并且需要保持运转，因此 80-85% 的现货报价就相当于您能得到的一样好。这个行业也可能存在一些欺骗行为，所以一定要注意权衡一切。当流程不完整时，不道德的买家很容易忽视一些事情。

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.

至于及时了解现货价格，请考虑将 Coinflation 应用程序添加到您的计算机或手机上。它提供各种配方的黄金和白银的最新信息，还包括美国白银和贱金属硬币的市场价格。

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币的含银量是多少，Coinflation 会告诉您。有趣的是，熔化美分和镍币以获取其底层金属含量是违法的，但银币和金币则不然。原因是低面值硬币通常含有比硬币的货币价值更高的金属。然而，话虽如此，高价值硬币的价值几乎总是高于其基础金属价值。

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.

说到硬币，去年该市场随着金属价格的上涨而大幅上涨。我们现在几乎每天都出售外国和国内硬币，也购买两种硬币。令人惊讶的是，我们的许多客户在某个地方都藏有硬币，可能是小时候收集的硬币，也可能是继承的遗产。这是一种令人着迷的爱好，可以教授历史、地理、冶金和其他学科，并且适合各个年龄段和经济能力的收藏家。虽然贵金属市场总是会涨跌，但稀有硬币通常会保值。

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.

迈克·里夫金 (Mike Rivkin) 和他的妻子琳达 (Linda) 是兰乔米拉奇 (Rancho Mirage) 的长期居民。多年来，他一直是一位屡获殊荣的目录出版商，并撰写了七本书和无数文章。现在，他是棕榈泉古董画廊的老板。他的古董专栏每周日出现在《沙漠太阳》上。想向迈克发送有关古董的问题吗？给他写信：info@silverfishpress.com。