August 27, 2025 • 43 mins
Natural disasters like hurricanes, floods and wildfires underscore the importance of protecting your valuables. Many may not realize the value of what they have or be properly insured. Learn what documentation you need for insurance, how to store your valuables and how to work with a certified jewelry appraiser. Melanie Young discusses with Ed O’Brien, an appraiser for 30+ years who is certified by the Gemological Institute of America (GIA) in Diamonds and Colored Stones. www.objewelers.com
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Fearless Fabulous You is broadcast live Wednesdays at 12 Noon ET on W4WN Radio - Women 4 Women Network (www.w4wn.com) part of Talk 4 Radio (www.talk4radio.com) on the Talk 4 Media Network (www.talk4media.com).
Fearless Fabulous You Podcast is also available on Talk 4 Media (www.talk4media.com), Talk 4 Podcasting (www.talk4podcasting.com), iHeartRadio, Amazon Music, Pandora, Spotify, Audible, and over 100 other podcast outlets.
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Speaker 1 (00:00):
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(00:20):
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Speaker 2 (00:43):
Welcome to Peerless Fabulous You. I am your host, Melanie Young,
and I like to empower women like you to make
confident choices about how they choose to live and how
they choose to take care of themselves and their loved ones.
And we're going to talk about something it's topical for
so many reasons, and something many of us don't think about,
(01:05):
which is protecting your valuables. We know how we want
to protect our health and our loved ones, but what
about your possessions and your valuables? And why this comes
to light so much now is that my heart simply
breaks when I hear the stories about the so many
people who have lost everything in the California wildf fires,
including family photos and mementos. In fact, the most number
(01:26):
one thing they talk about is losing photos and important
family mementos. There are also personal effects and of course
valuable things like art and jewelry and your silver, and
things that are often not replaceable or could be replaceable,
but you may not have the proper documentation in place
(01:47):
to make that happen.
Speaker 3 (01:49):
So I live in New Orleans.
Speaker 2 (01:50):
It's a high hurricane zone, and I moved here in
twenty twenty four. Before that, I lived in New York
City and had two apartments, both of which were burglarized.
I actually tell people I became an official New Yorker
when I was burglarized burglarized, and I learned to have
like six locks on my door. What I learned from
(02:11):
the experience when I had Renter's insurance, because I'm big
on getting everything insured, is I was not sufficiently insured
for my grandmother's jewelry, which I inherited, which broke my
heart because I learned from the experience that I had
not had a jewelry schedule which would have enabled me
to claim my insurance properly, and that really stung and
(02:35):
it stay with me for the rest of my life
and wherever I have lived. Whenever I have acquired a
piece of jewelry, the first thing I'd do is I
would get into a braiser to make sure I had
all the necessary documentation. The sad thing about the wildfires
is everybody lost everything, including their documentation. And I read
and heard that if your items are in a bank
(02:55):
vault and a safe it doesn't mean they're covered by
the FDA. I see cringe because I used to keep
all my jewelry in a safety deposit box thinking that
that was okay and I could take it off my insurance.
It's complicated, and boy, the insurance companies are making even
more so.
Speaker 3 (03:13):
But here's the thing.
Speaker 2 (03:15):
If you love and value something, protect it, keep documentation
in safe place, fireproof, floodproof, and have up to date appraisers.
It's so important, but we don't think about that sometimes
when we worry about the cost. So we're going to
talk about that today so that you can decide what
(03:37):
makes sense for you to protect your beautiful things so
you can pass them on to the people you love.
And so we're going to be talking with today on
fearless fabulous shoe. Ed O'Brien, he is a certified appraiser
for more than thirty years. He trained with a Gemological
Institute of America, the GIA and Diamonds and Colored Stones.
(03:59):
It's a comprehensive education to ensure that every appraisal conducted
by ED is performed with the highest level of professionals
and precision. Now that's important because I have heard stories
of people that.
Speaker 3 (04:14):
Didn't go and select.
Speaker 2 (04:16):
The proper people or maybe sold, you know, tried to
sell jewelry to someone who was maybe not authorized to
deal and they ran into some problems. You don't want
to run into problems when it's something precious. So we're
going to talk to Ed about what steps you should
take if you want to protect your valuables.
Speaker 3 (04:37):
Ed welcome to Fearless Fabulous.
Speaker 4 (04:38):
You, thank you, Melanie, thank you for having me today.
Speaker 3 (04:42):
Before I want to.
Speaker 2 (04:43):
Start, I just want to let everybody know for full
disclosure that Ed O'Brien appraised a lot of my jewelry
that I inherited from my mother and she did not
have up to date appraisals, which we're going to talk about,
so I couldn't get anything a prey I couldn't get
anything protected by a jewelry jewelry insurance coverage program because
she didn't have up to date appraisals.
Speaker 3 (05:04):
So I found ed through.
Speaker 2 (05:08):
A service I think, and he had very high marks,
So full disclosure. I have worked with d and I
invited him on because the whole thing with the fires
just really shook me. So anyway, I do recommend him.
He's based in Connecticut, right, Yes.
Speaker 4 (05:24):
I'm based in Connecticut in the New Haven area, but
he came.
Speaker 3 (05:27):
To New Orleans.
Speaker 2 (05:28):
He travels and he came and it was great, So
ED welcome. I just wanted to get that full disclosure out.
So Ed, let's talk about what you should look for
in an appraiser and are the different kinds of appraisers
that you must consider?
Speaker 4 (05:46):
Okay, yes, I think that you have to find an
appraiser that has qualified, somebody who is knowledgeable of market trends,
somebody who has credentials such as GIA or National Association
of jewel Appraisers. You really need somebody who can look
at a piece, knows how it's manufactured, knows the manufacturing process,
(06:09):
knows the you know, replacement value and the retail value
of it. And knows what the actual costs would be.
Should you have a loss, you're able to have enough
insurance to replace it. I mean, there are many things
that do go into an appraisal, such as market fluctuations,
(06:30):
that things change all the time. What it's worth, you know,
five years ago, might not be what is what that
item is worth today, So you really need to make
sure you find somebody who knows the industry.
Speaker 2 (06:43):
I think it's important to under also in the score is.
I learned like a lot of the appraisal appraisals I
had were over ten, fifteen, even twenty twenty five years old.
Speaker 3 (06:52):
That didn't fly with the jewelry company.
Speaker 2 (06:55):
With the I used Jewelers Mutual because it was recommended
by my renter's insurance. Because renters insurance will only cover
so much. Homeowners is a different ballgame.
Speaker 3 (07:07):
Okay, with homeowners you.
Speaker 2 (07:08):
Can ask about jewelry coverage and art and everything else,
but renters you're a little limited. So I actually ended
up going to Jewelers Mutual, which was recommended by people
to do a whole separate insurance policy. And I want
to bring that out because they would not talk to
me until I had current appraisals.
Speaker 4 (07:27):
Yeah, you should really update appraisals at least every three years.
I recommend two years because again, things do change currently.
Right now in the market, we're going through a phase
where lab created diamonds are very popular, so it's kind
of dropping the value of natural dimings. So if you
have an appraisal for say one carrot diamond that you
(07:49):
got ten years ago, it would not be current market
value now, and you also might be paying higher insurance
rates for that because the prices have come down a little.
So you really should update yourppraisal at least every two years.
Speaker 2 (08:06):
What is the appraisal process, What do you have to
bring to the table, and what should you expect the
appraiser to do and provide you in terms of documentation.
Speaker 4 (08:17):
Okay, all you really need to bring is the item
and the jeweler and the appraiser should inspect the diamond
or any of the stones or even the carrot of
the metal into a full inspection and then they will
determine a value that's current to today's prices in the market.
(08:40):
And you should get a detailed report itemizing all the stones,
all their clarities, their collar, the grade of each and
every individual stone in the item, whether it be a
bracelet and necklace, ring, the metal, whether it's ten carre,
fourteen carre platinum. And then you should get a detailed
(09:01):
description of the item, something that say you should have
a loss and lose that piece. You should be able
to read that narrative and replace that item and know
exactly what that item is just by reading that narrative.
And it really has to be a detailed description of
each item. Pictures also should be included if whenever possible.
(09:23):
I don't you know, it's not always necessary, but a
picture on the appraisal is always something to look back
should you have a loss.
Speaker 2 (09:31):
I think pictures are essential, and I have had. I've
worked with many appraisers. I worked with the praisers when
I lived in New York. I had appraisers in Tennessee.
When my mother would buy me jewelry. You gave me
a very detailed appraisal with photos and detailed commentary, and
I think you spent like five hours in my house.
Speaker 3 (09:50):
It was great because you actually came, you were in.
Speaker 2 (09:52):
New Orleans and ended up you know, coming, and it
was really comforting because I don't want to have to
take my stuff anywhere.
Speaker 3 (09:58):
It was great.
Speaker 2 (09:59):
But I'm going to say that even if listeners, if
you choose not to get anything appraised or not, I
do recommend it.
Speaker 3 (10:06):
If it's valuable.
Speaker 2 (10:08):
You should be taking a photo of everything in your
house where it is, whether it's on the wall, on
the floor, on a shelf, and a jore that you
do not want to lose. And you should create a
spreadsheet or a list because when disaster strikes, you need
(10:30):
to have documentation. I have done that with every room
in my house, so the photos are really important, and
I keep them in the cloud because obviously and if
you are evacuating, you should be able you should have
that any printouns with you. But you should keep everything
also in a cloud because if your house does burned down,
(10:51):
everything is gone.
Speaker 4 (10:53):
Correct and that is so important too to keep the
appraisal documents somewhere where they're safe, where they're fireproof, they're waterproof.
But also keep them if you can, and ever possible,
off site of your location, because say your house burns
or there is a flood or a fire, you want
to be able to get to that. So a safety
deposit box the cloud is very uh, it's a very
(11:16):
good idea. I recommend that highly also be able to
you have to think ahead, like I, should you have
a loss, you have to be able to get to
that documentation.
Speaker 2 (11:26):
Well we learn when that when unfortunately, when the Pacific
Palisades burned down, so did the banks and it's a
bit of a mess. So because the everybody lost everything
in the safety deposit box and I learned it was
not covered by the bank. So are there do you
know of any apps or anything that deals specifically with
(11:49):
keeping your documents secure.
Speaker 3 (11:50):
I'm sure there are some.
Speaker 2 (11:51):
I don't know if of them myself, but do you
know of any that you would recommend?
Speaker 4 (11:54):
I don't. I don't know of any specific, but there
there are many wallets where you can keep that. Also,
your insurance company should should have a copy of it
on file, you know, should you ever need to get
to it.
Speaker 2 (12:05):
And that's yeah, what I do is I have I
have a print out, I have a print out I
have in the cloud in my in my in my
cloud Microsoft cloud, and I'm probably going to find a
wallet also. And yes, you're insurer should have detail as well.
Speaker 4 (12:23):
Right, and you can't have it insured unless it's in praise.
So it's kind of a catch twenty two. You have
to have it appraised here, you know, so in case
you have a loss, your insurance company will have a
copy of that.
Speaker 3 (12:34):
What kinds of things do you feel?
Speaker 2 (12:38):
Obviously it's really up to the person, But do you
feel really important to have a praise right now? You
actually caught me with the lab diamond comment, because I
think I have a natural diamond that probably is over
a praise now based on that, and I'm paying a
hafty price tag to have ensured. What do you what
are things that are examples and and and not just
(12:59):
jewelry on.
Speaker 4 (13:00):
So I think anything of value, anything at least in
the jewelry, I say anything over say a thousand dollars
fifteen hundred dollars value anything as you acquire new gifts
or new pieces. But you should also have your art
a praise. Any important and valuable art should be a praise. Collectibles,
(13:23):
there's many collectibles out there that have very high value.
They should be a praise. Should you ever have a loss,
you know, you should be ensured. You know, anything that
you're going to have to down the road prove the
value of, you know, for insurance purposes to recoup any
loss or even replacement.
Speaker 2 (13:43):
Right, because there's loss and there's replacement. And I'm going
to just say it's a big difference because insurance can
cover you for loss, but in order to have your
jewelry or your fine are or whatever covered, it has
to be a replacement value insurance.
Speaker 3 (14:00):
It's a schedule, correct, And.
Speaker 2 (14:03):
I learned that when I was robbed, I didn't have replacement.
I had replacement, but I didn't I mean, I had
lost in.
Speaker 4 (14:07):
That replacement, right, And that's why it's so important to
have your appraisal was updated every few years. You know
you couldn't inherit a diamond ring that you could. You
know that's very high value in replacement. Right now, where
you have it under appraised, you know you'll never be
able to replace it for what you haven't you shared for,
So you have to keep that current at current retail price.
Speaker 2 (14:30):
And you said every three years, maybe three to five.
I think it's five years. I don't know every insurance.
This is something you listeners need to discuss with your
when you're shopping around for insurance. And you know, we
all know that home insurance right now is tough. You
need to ask how do you handle fine art, jewelry, collectibles,
(14:53):
because every insure is different.
Speaker 4 (14:58):
Correct, And like said, I recommend two to three years
having everything updated. Some insurance companies will go as far
as five. But you ought to make sure you've met
that question.
Speaker 2 (15:10):
So you do know, and you're you specialize in jewelry appraisals, Uh.
Speaker 3 (15:16):
Do you do other kinds of appraisals?
Speaker 4 (15:18):
I do silverware, silver, silver sets, that kind of stuff.
I don't do art. I pretty much specialize in the
fine jewelry, in metals, like serving sets, things like that.
Speaker 2 (15:33):
You know, I we've talked discussed it because I inherited silver,
and you know, the appraisals are like from when my
mother was married, which is over sixty years ago. So uh,
and silver has fluctuated in the process of getting all
that addressed as well. And also it's not just to
protect it, to keep it and hopefully pass it down
(15:54):
or whatever, but also if you choose to sell something.
I mean I have been in what I call the
selling of my mother's items for a while and I
couldn't price anything properly or when I would take it
to an auction house and they would give me an estimate.
You don't know somebody's joshing with you or not, because
everybody's going to low ball you. And if you say
(16:17):
I have the appraisal, they may say, well, yeah, but
that's an appraisal for replacement.
Speaker 3 (16:22):
But we all know that. You know, in wholesale it's different.
Speaker 2 (16:25):
You'll get a lot of pushback, but at least you
have that appraisal. Particularly if you're selling something, whether you're
selling it yourself an invaluable or eBay or first DIBs,
you can say I have I just did this. You
can say I have an appraisal or an authentic, authentic
letter of authentication, and that protects you when you were
selling something directly or through a third party.
Speaker 4 (16:49):
Yeah, absolutely, especially if you're selling to an auction house
or something like that. You need to know the value
so they don't take advantage of you, you know, and
there are a lot of companies that do that. So
at least you you're not going to get the full
retail replacement value, but you know the cost of it.
And you're right, a letter of authenticity that's a tough
(17:13):
word to get out right now. That was helping the
value of selling it privately also, and.
Speaker 2 (17:19):
That's important, particularly if you don't know, and I'm going
to give some scenarios. I had a squash blossom that
needed couldn't find any marketings on it, but I was
able to get a letter of authenticity so I could
sell it. You, I learned when you came at a
praise of my joy, a piece two pieces I just
kind of like snubbed at and didn't think they were
(17:39):
worth much actually became worth more than I realized.
Speaker 4 (17:42):
Yeah, that quite often happens. Yeah.
Speaker 3 (17:45):
I was very surprised by that, and yet not funny.
Speaker 2 (17:49):
Not funny the quote diamond earrings that my mother gave
me with great fanfare for my birthday ended up to
be cubic circonias, which.
Speaker 3 (17:59):
You know my mother is.
Speaker 2 (18:00):
But a did my mother tried to pass them off
to me as diamonds that knew they were czs or
did the store sell her czs instead of diamonds.
Speaker 3 (18:09):
We'll never know.
Speaker 2 (18:09):
But I kind of cringe thinking about that, because I
would hate to know that my mother thought she was
giving me diamonds and they were czs.
Speaker 3 (18:16):
That was a big surprise.
Speaker 4 (18:18):
Yeah, well, I mean you could take comforted it was.
Speaker 2 (18:20):
A do you know, but if I had gone to
a jeweler, I mean a jeweler's mutual where I use
and said I have you know, or somebody had said,
oh well, just appraises for whatever or tried to sell them,
it could have been really messy.
Speaker 3 (18:34):
So you know, again the value of getting.
Speaker 2 (18:37):
Appraisals is one to protect things that you cherish and
don't want to lose.
Speaker 3 (18:43):
And you want to make sure that if something happens,
whether it's.
Speaker 2 (18:45):
Lost, stolen, damaged, misplaced, whatever, you have documentation and appraisal.
But also if you go to sell something, you know
that you can you got a backup to I know.
Speaker 3 (19:00):
This is the real deal right.
Speaker 4 (19:03):
Right in for interns. You know, even whether you're looking
for the monetary value of it or you want to
replace it, it's it's important to be able to have
it at a level that you can replace something.
Speaker 2 (19:15):
Yeah, it's really really important. Are there other scenarios that
my listeners should weigh in when they're working with an appraiser?
Speaker 4 (19:26):
Currently, I think a lot of people are going towards electronically.
Electronic is okay as long as you have the proper information.
A lot of times you don't have to travel, you know,
to have a duality appraise you know, the process does
not take that long. It should take electronically, should take
a day or two if you send it somewhere or
(19:48):
you're on site, typically about one to two weeks. It's
not really a hard process. Again, I'm doing electronically all
over the country and a lot of a lot of
people are these. That also is accepted by many insurance companies.
Speaker 2 (20:03):
So I would uh so you would be contented by
your website, which is objewelers dot com ob as a boy,
and then I would upload photos that I take with
my phone onto your website and you would be able
to do the evaluation that way.
Speaker 3 (20:21):
I mean, do you have to send specific photos?
Speaker 2 (20:23):
I would think you'd have to send anything as marketings,
close up side, yes, et cetera.
Speaker 4 (20:29):
As many photos as you can with as much detail
as you can. If you when you're updating, it's even easier.
Just gets in a copy of the old appraisal with
the photo, and then that has the information we should
have the information needed and then really just details like
you're right, markings front backside.
Speaker 2 (20:49):
I think the old appraisal is important. I still have
the old appraisals. Even though I got everything, I still
keep the old appraisals and builds a cell because that
kind of tells us history of the item.
Speaker 5 (21:01):
Correct anything, right, Yeah, it's important to the appraiser also
all that information should you have it, it's it's not necessary.
Speaker 4 (21:11):
If you don't have it, pictures are fine, you can
go from there. Well.
Speaker 2 (21:16):
My advice would be if you buy something or your
gifted ask I mean every time my mother give me
a piece of jewel I'm s like, did you get it?
Speaker 3 (21:25):
Appraise? Because with the piece of jowey should come in appraisal.
Speaker 2 (21:28):
Uh and and and data sale because it does make
a difference when you were if that person is no
longer with you. I had to go through a lot
of things in my mother's estate, my grandmother's joy. We
just did it with my mother in law, and I
mean she's still alive, but we're right now doing it
with some of her boxes of jewelry. And it may
(21:50):
keeping that documentation is so.
Speaker 4 (21:52):
Important, it really is. And anything you know a receipt
you can just go from from that. That can be
the documentation documentation you send with the photos. Now.
Speaker 2 (22:01):
I also think it's important to clarify you were an appraiser,
so the services you provide appraisal services. You don't, well,
I don't know, So what about people who have like
I had? We had a big box of jewelry mishmash,
and we just wanted to know what we could just sell,
just get rid of.
Speaker 3 (22:19):
Do you do that?
Speaker 4 (22:21):
Yes, I do a thumbrokering for certain pieces. I worked
with a lot of dealers, and we can broke a jewelry,
we can buy scrap gold. I do a lot of that.
Speaker 2 (22:32):
I want to share an experience. Uh so we have
done that a few times.
Speaker 3 (22:36):
I've done it. Do a jeweler. I won't say who.
Speaker 2 (22:40):
I don't know if I've got the best, but you know,
I have to trust them. But we recently did it
down in New Orleans with somebody who did a great job,
and I had to I had to giggle. It's giggle,
not giggle, right, funny, not funny. My husband went with
a big thing of coins. You know, I dragged him
in because I'm like, we got to get rid of
these boxes. And we had I've sort of and went
(23:00):
through the box of his mom's just box of jewelry
and a suitcase of jewelry and a box of coins,
and we learned the coins were all fake, which is
kind of depressing.
Speaker 3 (23:10):
We learned that a lot of the.
Speaker 2 (23:12):
Bits and pieces of jewelry, bits and pieces and some
that we wouldn't have, we didn't see any visible markings.
Speaker 3 (23:20):
There was gold in them and silver sure, And you
know we left with a nice wat of cash. So
don't throw it away. Don't just start giving it to
donate here, there and there. Take it to someone.
Speaker 2 (23:34):
Who can look through the bits and pieces, and I
mean bits and pieces, and some of its bits.
Speaker 3 (23:40):
And pieces or full pieces.
Speaker 2 (23:41):
And you may end up whether it's through ed or
someone local. But I think it's important also to trust
the person. So I found you you had I think
it's one of those job sites. I was just looking
because I didn't know who to go to.
Speaker 3 (23:54):
In New Orleans.
Speaker 2 (23:55):
Everybody quotes you all sorts of prices, which is a
whole another thing. The prices can vary very much, and
it can also very base on volume. But you had
a lot of recommendations and that made me feel good.
And then you also were willing to be in New Orleans.
You swung through, so it worked out great and I
had a great experience. If you live anywhere that you
(24:15):
may not have appraisers. You can say, go to someone
who lives elsewhere and do an online appraisal, and I
would urge you not to settle. And I'm going to
say that because in I won't say my formers where
I used to live. But somebody was just one of
the well known, high visibility people in the business of
(24:36):
buying and selling gold has just been arrested.
Speaker 4 (24:40):
Right, you do hear a lot of that check.
Speaker 2 (24:45):
Yeah, so you need to find people that have gold reputations.
They have to be solid gold reputations. So get referrals
asked to see examples of appraisers appraisers. It don't necessarily
want you know, your jeweler may not be the best
person depending on who your jeweler is asked to see
(25:07):
how they appraise.
Speaker 3 (25:07):
Because I've had jewelers, some give me good appraisers, some
not in terms of appraisals.
Speaker 4 (25:13):
Right, you have to keep in mind also, you know
the price for appraisal. A lot of people will do
percentages of the value. You should really try and stay
away from that because I think that leads to the
possibility of overinflated appraisals. Yeah, you know, just shack up
the price. But then you're also paying higher insurance, so
that can be very yes per piece.
Speaker 2 (25:36):
I mean I'm thinking about the diamond. I mean, I
had the appraisal for the diamond ring. I'm now thinking
I should have had it reappraised by you because I'm
concerned I'm paying way too much. And you just brought
up that point that lab diamonds are cutting into natural diamonds,
which was kind of a shocking thing for me to
hear from you.
Speaker 3 (25:56):
So that's important too.
Speaker 2 (25:57):
Because many people are giving diamond engagement rings, who buyd
diamond tennis bracelets, and there's a lot of diamonds circulating
on the resell market or invaluable or live auctioneers. There's
a lot in your opinion, do you have an opinion
on lab versus natural?
Speaker 4 (26:16):
Well, I think natural is probably always a better way
to go, but the price point is, you know, much higher.
Lab created diamonds are the exact same composition of a
diamond just created in a lab. But you know, the
natural is probably always the better way to go because
it is the real thing. But again we're we're talking
(26:39):
probably you know, five times the price.
Speaker 2 (26:43):
So what about other stones? Are there other stones that
are increasing in value? That we should be.
Speaker 4 (26:49):
Aware of Tanzanit is always something that increases in value.
They do. There are lab created gemstones, also sapphires, rubies, emeralds.
They're doing the lab created these days. You have to
be careful of that. But as far as natural stones,
I think right now Tansa night is something that's increasing interesting.
Speaker 2 (27:14):
Clab of Tansa nite. That was my engagement ring. My
engagement is tansait. What about gold thourteen carrot versus eighteen
carrot versus I think you get you prise the ten
carrot you said that was actually what's the difference.
Speaker 4 (27:32):
The difference is the amount of gold, a percentage of
gold versus alloys in the piece. If you're wearing a
piece every day, I would recommend fourteen care because it's
a little harder and more durable. Ten carrots even more
durable than fourteen care the higher you go. The eighteen
carrot twenty twenty two care is much softer, doesn't wear
(27:53):
as well, but there's a higher percentage of gold within
the metal. That's what you know. Carrot is the percentage
of gold in the actual metal.
Speaker 3 (28:04):
So what it says gold filled is there value because
there is gold in it and if you just want
to like get rid of it.
Speaker 4 (28:11):
Goldfield is it's very low value, so you need a
lot of it to see any any kind of you know,
substantiul money. But yeah, there's there's gold and gold field.
Speaker 2 (28:20):
And I learned that when I went to go get
rid of stuff. I was like, wow, it's gold filled.
There's some money, you know, like you know, And I
underscore this because a lot of people just go and
do estate sales and or go to them or do
them or yard sales and declutter and they just say,
I just want to take this stuff and get rid
of it.
Speaker 3 (28:37):
And they need to understand.
Speaker 2 (28:38):
I mean, there are a lot of companies out there
that will gladly buy your jewelry for a low price
so they can resell it elsewhere. See that's why it's
really good. I mean they advertise all the time in
New York. And some people just are in an emotional
state where they just want to get rid of stuff,
or maybe they just need money.
Speaker 3 (28:55):
Yeah, but you got to do your homework.
Speaker 2 (28:58):
And I know when you need money and you just
want to get rid of something, I know how hard
that can be. You just want to take whatever, but
you got to do your homework.
Speaker 4 (29:05):
You got to do your homework right. And gold is
very high right now. So a scenario that I come
across a lot is somebody has a broken say class
mind of chain. They'll get it replaced at a jeweler.
You should always ask for that broken part back because
it could be valuable just that piece. The jeweler will
keep that and I'll tell you about that, and you know,
(29:25):
go and sell it and make money anisodes. You know,
it's kind of something you should always even little parts
are can be valuable.
Speaker 2 (29:35):
I want to just touch on that because it's also
important when you're asking a jeweler to reset something.
Speaker 3 (29:41):
I've heard stories in that.
Speaker 2 (29:43):
My facialist said that when they got the mother's diamond ringback,
it wasn't a diamond anymore in there when they gave
it to a jeweler.
Speaker 3 (29:51):
So you've got to be very careful about that.
Speaker 2 (29:52):
What should you be doing if you're taking some jewelry
into get repaired.
Speaker 4 (29:58):
If it's a it's a diamond ring or something valuable,
that's another reason why you should have an appraisal to
prove what you get back is what you gave them
when you take it in. If you don't have an appraisal,
you should really try, and you know, like not like
document something on the diamond that you can point out
later or recognize later to make sure it's the same one.
(30:20):
But yeah, yeah, her horror stories like that all the
time in the industry. I don't know if it happens
as much as everybody says, but you know, it's something
you have to be careful of. And again, an appraisal
would prove what you brought in is what you get back.
Speaker 3 (30:36):
Well, how would you know?
Speaker 2 (30:37):
You'd have to take it somewhere else to have them
check it, because you're not going to check it at
the jeweler.
Speaker 4 (30:41):
Right, so you'd have to have the appraisal done friar.
Speaker 2 (30:47):
Yeah, but then when you get to ring back, you
don't know if it's the same ring.
Speaker 3 (30:49):
How do you know?
Speaker 2 (30:50):
I mean, if it looks like the ring that was appraised,
how would you know that it's not authentic? You'd have
to go somewhere to have them check it again.
Speaker 4 (30:58):
Right, you have to have somebody check it again, right,
you know.
Speaker 3 (31:00):
If it's that valuable, you should, you know.
Speaker 2 (31:03):
I think the point about getting the piece of broken
chain back, et cetera.
Speaker 3 (31:09):
I think that's so important.
Speaker 2 (31:10):
A lot of people don't think about that, you know.
Or if you're getting a new setting for a ring
or ear rings, Let's say you're you're going from clip
back to pierce or pierce to clip back, ask for
the pieces.
Speaker 4 (31:22):
Back right exactly.
Speaker 3 (31:25):
I think I didn't do that once.
Speaker 2 (31:27):
I think that that's really a great point at what
about silver, same thing sterling versus nine two five?
Speaker 3 (31:33):
What are the differences there?
Speaker 4 (31:35):
That again is the amount of silver also in the
in the metal, and you should always get that back. Also,
going back to your point on having your your diamond
and switched or anything like that, you should always look
for a jeweler that can do things while you wait.
And there are a lot of them out there. Even
if you have something reset, they order the mounting, then
(31:55):
you come in and they'll set the stones while you watch.
Speaker 2 (31:58):
So so why if you take something in this broken
class and they'll say, well, we'll call you when it's ready.
Speaker 4 (32:08):
Yeah, something as far as that, like soldering a chain
or fixing a class is, I would think that would
be fine. They aren't going to take your a little
bit of gold, I would imagine, un leuch, they're very unscrupulable,
but a diamond ring. So you have a valuable diamond
ring something you should wait for. And if they tell
you that they're going to send it out or call
you in two weeks, take it somewhere else where you
(32:30):
can do it while they wait. And there are a
lot a lot of jewelers out there that do do that.
If they're a good jeweler, they'll be able to do
it while you wait.
Speaker 3 (32:38):
Wow, that's such a great point.
Speaker 4 (32:41):
Yeah, I like you said, I've been in the business
thirty years. I have a shop and we do everything
while you wait. We had cameras on the benches at
one point with big monitors so people can watch. Yeah.
Speaker 2 (32:53):
I just want to point out on Obi you have
obijewelers dot Shop as well as obijewelers dot.
Speaker 3 (32:59):
Com, and you have jewelry for sale.
Speaker 2 (33:02):
You also have custom made jewelry that you can do,
you said, and other consulting services. So that's good to
know as well for anyone shopping around.
Speaker 3 (33:12):
And you got to be careful. And I'm going to say,
I'm sure in.
Speaker 2 (33:17):
My life I have made some costly mistakes because we
have as I've talked to him as I've listened to you.
I'm older and wiser and more careful. Now I'm going
to say this everyone listening when you were in what
if you were buying jewelry or selling jewelry, take your
time with it, don't rush it. And I know that
(33:39):
many people, including me, sometimes will buy something in a
fit of passion.
Speaker 3 (33:44):
Or anger or whatever's emotion and it could be too
good to be true.
Speaker 2 (33:51):
We all go online and look, we're all on eBay
and Facebook, Marketplace and all the on site things. You've
got to be really careful. You definitely have to know
what you're looking for and trust where it's coming from
because it can be too good to be true. And
on the flip side, if you're selling something, you need
(34:13):
to make sure you have an authenticity factory. I just
recently went through this, not with jewelry, but.
Speaker 4 (34:18):
With a.
Speaker 2 (34:20):
Designer bag. In a designer bag had the designer box
and had the designer everything, and I think I bought
it at a charity auction. It was so long ago,
but I never used it, and I sold it on
eBay and the buyer's like, it's fake, and I was like, huh,
And I couldn't you know, because then I probably bought
it fake, so I just nipped it in the buds
(34:41):
to send it back full reef and whatever. But the
lesson I learned with it, and I am taking it
to the designer store to have them authenticate it for sure.
But just there was that one moment where she said, well,
I have one just like it and it's not the same,
And I said, I'd like to see a photo of
yours before you send mine back, because you know, immediately
(35:03):
I'm like, are you switching me out?
Speaker 3 (35:04):
So there's a lot of.
Speaker 2 (35:05):
Things, and I don't know what it looks like. It
came back, it looks fine, but I am taking it
to the store. But what I learned from the experience
is if you are going to go and try to
sell some of your precious things online because you need
to make money in eBay or whatever, get the necessary paperwork,
(35:27):
take the time and do it, and factor it in
that into the price if there's a cost, because you
don't want to get tripped.
Speaker 4 (35:33):
Up, right. Yeah, it's so important to be educated on
what you're selling or buying.
Speaker 3 (35:40):
Yeah, do your homework, and and also go and look
at this.
Speaker 2 (35:44):
You know a lot of the prices are inflated. So
go and I'm gonna say eat because I learned this.
You know, go to the soul section and see what
things are being sold for. There's several There's one for
subscription called Worthpoint that I recommend live auctioneers invaluable eBay
summer subscriptions.
Speaker 3 (36:01):
Some are not.
Speaker 2 (36:03):
But do your homework to see what things are selling
for and again, if it is a value, get an appraiser.
Speaker 3 (36:10):
I do have another question.
Speaker 2 (36:11):
We talk about fine jewelry, can you appraise find vintage
jewelry that may be costume because there's a lot of
costume jewelry now that's actually a value.
Speaker 3 (36:19):
Is there a way to praise that or is that
another process?
Speaker 4 (36:24):
No, that's something we appraise all the time. Really, Yeah,
vintage costume jewelry we can do. You know a lot
of that. The metal is a different metal, different stones.
But yeah, I have to find somebody very knowledgeable on
that also. But that's definitely something possible and something we
can handle.
Speaker 2 (36:43):
Well, that's important as well as I'm thinking about some
of the pieces I have because I ended up with
a lot of vintage jewelry and I've become self educated.
Speaker 3 (36:55):
In the process. But knowing that you can do vintage
jewelry as well as fine is. I'm already thinking about
some pieces the next time.
Speaker 2 (37:02):
I utilize your services that because I'm seeing their market value.
Speaker 3 (37:10):
The resale value is quite high.
Speaker 4 (37:12):
Yeah, some of the Turn of the century or our
Deco pieces, or during the depression that was very popular,
but those pieces have become very valuable.
Speaker 2 (37:24):
I hope everybody listening is taking all this in because
I truly believe that for people out there, particularly if
you are inheriting or cleaning out a house, or you're
going to an estate sale, or you're thinking about a
gig business where you're selling online, this is good information
(37:45):
to understand. There is value in many things you have
that you may not realize and you don't know until
you get someone to work with you to give you
an honest, fair appraisal.
Speaker 4 (38:00):
And if you have a big business, if something that
can be factored right into.
Speaker 3 (38:03):
The price exactly, and I have done that, you know
is I factored in appraiser costs. And because I want
to show that and say, I can send.
Speaker 2 (38:15):
You if you purchased this, you will have a copy
of the appraisal. You still have to go get a
new appraisal because it's under your name, but at least
you have that backup.
Speaker 4 (38:24):
Right, and especially if you're looking to ensure it, it has
to be under your name and you're you know, assured
on a specific address. But yeah, that's very important.
Speaker 2 (38:33):
Yeah, very very important. And like I said, I have
used worked with ED. He gave me a very detailed appraisal.
It was it was a process.
Speaker 3 (38:40):
I had a lot I have. I enshare with Jeweler's Mutual.
I have no affiliation with them.
Speaker 2 (38:47):
It's just that when I went to and every state
is different, every insurance is different, Louisiana is tough to
get insurance, period.
Speaker 3 (38:57):
So I bit the bullet and.
Speaker 2 (38:58):
Went with Jeweler's Mutual because it was the best I
could do for what I had with all this appraised jewelry.
And then as I go and decide to sell some
of it, I can more confidently do it working through
an auction house or trying to resell it myself, whatever
or go.
Speaker 3 (39:14):
You have ED do it for you.
Speaker 2 (39:15):
You just you need to know when you go to
resell something, if you're having a third party do it,
You've got to find out what the costs are involved.
Because there's specific costs for selling it auction. There's specific
costs if somebody's reselling for you and you need to
work that out in advance.
Speaker 4 (39:32):
And heaven writing right exactly.
Speaker 3 (39:35):
And also if it doesn't sell, how are you gonna
pick it up? If it's.
Speaker 2 (39:41):
You know, there's that's a whole other topic, but it
all starts with knowing what the value is exactly.
Speaker 3 (39:48):
Well, and I'm really enjoyed talking to you.
Speaker 2 (39:51):
What how can my listeners find and is there any
parting words you want to say share?
Speaker 4 (39:56):
Just that you can contact me through ob Jewelers. We
do electronic appraisals, but like we did yours, we also
do travel throughout the country. I'm always on the road.
You know, usually specific number of pieces make that worthwhile.
But any questions, it's obijewelers dot com. I'm always available.
Speaker 3 (40:16):
You know.
Speaker 2 (40:16):
Something I want to tell my listeners is if you
live in a city where you may have some friends
who have items. You know it is a lot for
ED to travel, but it can make it worth his
while and you help you and your friends if you say, look,
I have a great appraiser. If you have items to
be a praise, let's make a date and let's contact them,
and then it makes it worth it for you to
(40:37):
come to that market if you're you know, sweeping through.
Speaker 3 (40:40):
So that's another way to do it. And then.
Speaker 2 (40:44):
You are helping your friends out as well because they
can come and hire ed while he's in town if
they want to do it in person.
Speaker 3 (40:53):
But like he said, like you said, you can do
it online as well.
Speaker 4 (40:56):
Yeah, and there are many times we'll go to you know,
I'll go to a city where there's somebody all five
items here, five items there. I'll spend a couple of
days traveling, you know, going through those clients. So it's
not like doesn't all have to be in one place.
Speaker 2 (41:10):
Well, you've really provided a lot of good information that
I hope will help my listeners find peace of mind
as they decide how to protect and preserve their fine
valuables as well, because we want to do that. You
want to protect your health, you want to protect your wealth,
you want to protect your loved ones, you want to
protect what you have and own because everything is so
(41:31):
uncertain right now, so the most certain thing you can
do is get appraisals and insurance and know where everything
is in your documentation. And you're not desperately trying to
find all this in moments of chaos exactly.
Speaker 4 (41:45):
And I would like to offer anybody in California and
the fires any help. You know, I'm very happy to help,
So just reach out.
Speaker 3 (41:52):
Yeah, my heart just breaks.
Speaker 2 (41:54):
I have two friends who've lost everything. It's just really upsetting.
And for all of you in California who are suffering,
my heart, our hearts go out to you.
Speaker 3 (42:03):
We want to help.
Speaker 2 (42:05):
And for everyone, and whether it's the Carolinas and the floods,
I loved friends and who were hit by Hurricane Helene
as well. I hope that if anything, this show can
help you as you rebuild your life exactly.
Speaker 4 (42:21):
And if I can guide anybody through the process, just
reach out and give me, give me call contact Metobijewelers
dot com. I'd be glad to help.
Speaker 3 (42:29):
Thank you so much, Ed O'Brien. I've really enjoyed talking
with you.
Speaker 2 (42:33):
Thank you for helping me get through the process as well.
And I hope for everyone listening this has been another
enlightening show.
Speaker 3 (42:42):
I'm fearless fabulous.
Speaker 2 (42:43):
You because you remember you have many choices in life,
Please choose being fearless and fabulous.
Speaker 3 (42:48):
Thank you, s
The topics and opinions expressed on the following show are
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We make no recommendations or endorsements for radio show programs, services,
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(00:20):
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Speaker 2 (00:43):
Welcome to Peerless Fabulous You. I am your host, Melanie Young,
and I like to empower women like you to make
confident choices about how they choose to live and how
they choose to take care of themselves and their loved ones.
And we're going to talk about something it's topical for
so many reasons, and something many of us don't think about,
(01:05):
which is protecting your valuables. We know how we want
to protect our health and our loved ones, but what
about your possessions and your valuables? And why this comes
to light so much now is that my heart simply
breaks when I hear the stories about the so many
people who have lost everything in the California wildf fires,
including family photos and mementos. In fact, the most number
(01:26):
one thing they talk about is losing photos and important
family mementos. There are also personal effects and of course
valuable things like art and jewelry and your silver, and
things that are often not replaceable or could be replaceable,
but you may not have the proper documentation in place
(01:47):
to make that happen.
Speaker 3 (01:49):
So I live in New Orleans.
Speaker 2 (01:50):
It's a high hurricane zone, and I moved here in
twenty twenty four. Before that, I lived in New York
City and had two apartments, both of which were burglarized.
I actually tell people I became an official New Yorker
when I was burglarized burglarized, and I learned to have
like six locks on my door. What I learned from
(02:11):
the experience when I had Renter's insurance, because I'm big
on getting everything insured, is I was not sufficiently insured
for my grandmother's jewelry, which I inherited, which broke my
heart because I learned from the experience that I had
not had a jewelry schedule which would have enabled me
to claim my insurance properly, and that really stung and
(02:35):
it stay with me for the rest of my life
and wherever I have lived. Whenever I have acquired a
piece of jewelry, the first thing I'd do is I
would get into a braiser to make sure I had
all the necessary documentation. The sad thing about the wildfires
is everybody lost everything, including their documentation. And I read
and heard that if your items are in a bank
(02:55):
vault and a safe it doesn't mean they're covered by
the FDA. I see cringe because I used to keep
all my jewelry in a safety deposit box thinking that
that was okay and I could take it off my insurance.
It's complicated, and boy, the insurance companies are making even
more so.
Speaker 3 (03:13):
But here's the thing.
Speaker 2 (03:15):
If you love and value something, protect it, keep documentation
in safe place, fireproof, floodproof, and have up to date appraisers.
It's so important, but we don't think about that sometimes
when we worry about the cost. So we're going to
talk about that today so that you can decide what
(03:37):
makes sense for you to protect your beautiful things so
you can pass them on to the people you love.
And so we're going to be talking with today on
fearless fabulous shoe. Ed O'Brien, he is a certified appraiser
for more than thirty years. He trained with a Gemological
Institute of America, the GIA and Diamonds and Colored Stones.
(03:59):
It's a comprehensive education to ensure that every appraisal conducted
by ED is performed with the highest level of professionals
and precision. Now that's important because I have heard stories
of people that.
Speaker 3 (04:14):
Didn't go and select.
Speaker 2 (04:16):
The proper people or maybe sold, you know, tried to
sell jewelry to someone who was maybe not authorized to
deal and they ran into some problems. You don't want
to run into problems when it's something precious. So we're
going to talk to Ed about what steps you should
take if you want to protect your valuables.
Speaker 3 (04:37):
Ed welcome to Fearless Fabulous.
Speaker 4 (04:38):
You, thank you, Melanie, thank you for having me today.
Speaker 3 (04:42):
Before I want to.
Speaker 2 (04:43):
Start, I just want to let everybody know for full
disclosure that Ed O'Brien appraised a lot of my jewelry
that I inherited from my mother and she did not
have up to date appraisals, which we're going to talk about,
so I couldn't get anything a prey I couldn't get
anything protected by a jewelry jewelry insurance coverage program because
she didn't have up to date appraisals.
Speaker 3 (05:04):
So I found ed through.
Speaker 2 (05:08):
A service I think, and he had very high marks,
So full disclosure. I have worked with d and I
invited him on because the whole thing with the fires
just really shook me. So anyway, I do recommend him.
He's based in Connecticut, right, Yes.
Speaker 4 (05:24):
I'm based in Connecticut in the New Haven area, but
he came.
Speaker 3 (05:27):
To New Orleans.
Speaker 2 (05:28):
He travels and he came and it was great, So
ED welcome. I just wanted to get that full disclosure out.
So Ed, let's talk about what you should look for
in an appraiser and are the different kinds of appraisers
that you must consider?
Speaker 4 (05:46):
Okay, yes, I think that you have to find an
appraiser that has qualified, somebody who is knowledgeable of market trends,
somebody who has credentials such as GIA or National Association
of jewel Appraisers. You really need somebody who can look
at a piece, knows how it's manufactured, knows the manufacturing process,
(06:09):
knows the you know, replacement value and the retail value
of it. And knows what the actual costs would be.
Should you have a loss, you're able to have enough
insurance to replace it. I mean, there are many things
that do go into an appraisal, such as market fluctuations,
(06:30):
that things change all the time. What it's worth, you know,
five years ago, might not be what is what that
item is worth today, So you really need to make
sure you find somebody who knows the industry.
Speaker 2 (06:43):
I think it's important to under also in the score is.
I learned like a lot of the appraisal appraisals I
had were over ten, fifteen, even twenty twenty five years old.
Speaker 3 (06:52):
That didn't fly with the jewelry company.
Speaker 2 (06:55):
With the I used Jewelers Mutual because it was recommended
by my renter's insurance. Because renters insurance will only cover
so much. Homeowners is a different ballgame.
Speaker 3 (07:07):
Okay, with homeowners you.
Speaker 2 (07:08):
Can ask about jewelry coverage and art and everything else,
but renters you're a little limited. So I actually ended
up going to Jewelers Mutual, which was recommended by people
to do a whole separate insurance policy. And I want
to bring that out because they would not talk to
me until I had current appraisals.
Speaker 4 (07:27):
Yeah, you should really update appraisals at least every three years.
I recommend two years because again, things do change currently.
Right now in the market, we're going through a phase
where lab created diamonds are very popular, so it's kind
of dropping the value of natural dimings. So if you
have an appraisal for say one carrot diamond that you
(07:49):
got ten years ago, it would not be current market
value now, and you also might be paying higher insurance
rates for that because the prices have come down a little.
So you really should update yourppraisal at least every two years.
Speaker 2 (08:06):
What is the appraisal process, What do you have to
bring to the table, and what should you expect the
appraiser to do and provide you in terms of documentation.
Speaker 4 (08:17):
Okay, all you really need to bring is the item
and the jeweler and the appraiser should inspect the diamond
or any of the stones or even the carrot of
the metal into a full inspection and then they will
determine a value that's current to today's prices in the market.
(08:40):
And you should get a detailed report itemizing all the stones,
all their clarities, their collar, the grade of each and
every individual stone in the item, whether it be a
bracelet and necklace, ring, the metal, whether it's ten carre,
fourteen carre platinum. And then you should get a detailed
(09:01):
description of the item, something that say you should have
a loss and lose that piece. You should be able
to read that narrative and replace that item and know
exactly what that item is just by reading that narrative.
And it really has to be a detailed description of
each item. Pictures also should be included if whenever possible.
(09:23):
I don't you know, it's not always necessary, but a
picture on the appraisal is always something to look back
should you have a loss.
Speaker 2 (09:31):
I think pictures are essential, and I have had. I've
worked with many appraisers. I worked with the praisers when
I lived in New York. I had appraisers in Tennessee.
When my mother would buy me jewelry. You gave me
a very detailed appraisal with photos and detailed commentary, and
I think you spent like five hours in my house.
Speaker 3 (09:50):
It was great because you actually came, you were in.
Speaker 2 (09:52):
New Orleans and ended up you know, coming, and it
was really comforting because I don't want to have to
take my stuff anywhere.
Speaker 3 (09:58):
It was great.
Speaker 2 (09:59):
But I'm going to say that even if listeners, if
you choose not to get anything appraised or not, I
do recommend it.
Speaker 3 (10:06):
If it's valuable.
Speaker 2 (10:08):
You should be taking a photo of everything in your
house where it is, whether it's on the wall, on
the floor, on a shelf, and a jore that you
do not want to lose. And you should create a
spreadsheet or a list because when disaster strikes, you need
(10:30):
to have documentation. I have done that with every room
in my house, so the photos are really important, and
I keep them in the cloud because obviously and if
you are evacuating, you should be able you should have
that any printouns with you. But you should keep everything
also in a cloud because if your house does burned down,
(10:51):
everything is gone.
Speaker 4 (10:53):
Correct and that is so important too to keep the
appraisal documents somewhere where they're safe, where they're fireproof, they're waterproof.
But also keep them if you can, and ever possible,
off site of your location, because say your house burns
or there is a flood or a fire, you want
to be able to get to that. So a safety
deposit box the cloud is very uh, it's a very
(11:16):
good idea. I recommend that highly also be able to
you have to think ahead, like I, should you have
a loss, you have to be able to get to
that documentation.
Speaker 2 (11:26):
Well we learn when that when unfortunately, when the Pacific
Palisades burned down, so did the banks and it's a
bit of a mess. So because the everybody lost everything
in the safety deposit box and I learned it was
not covered by the bank. So are there do you
know of any apps or anything that deals specifically with
(11:49):
keeping your documents secure.
Speaker 3 (11:50):
I'm sure there are some.
Speaker 2 (11:51):
I don't know if of them myself, but do you
know of any that you would recommend?
Speaker 4 (11:54):
I don't. I don't know of any specific, but there
there are many wallets where you can keep that. Also,
your insurance company should should have a copy of it
on file, you know, should you ever need to get
to it.
Speaker 2 (12:05):
And that's yeah, what I do is I have I
have a print out, I have a print out I
have in the cloud in my in my in my
cloud Microsoft cloud, and I'm probably going to find a
wallet also. And yes, you're insurer should have detail as well.
Speaker 4 (12:23):
Right, and you can't have it insured unless it's in praise.
So it's kind of a catch twenty two. You have
to have it appraised here, you know, so in case
you have a loss, your insurance company will have a
copy of that.
Speaker 3 (12:34):
What kinds of things do you feel?
Speaker 2 (12:38):
Obviously it's really up to the person, But do you
feel really important to have a praise right now? You
actually caught me with the lab diamond comment, because I
think I have a natural diamond that probably is over
a praise now based on that, and I'm paying a
hafty price tag to have ensured. What do you what
are things that are examples and and and not just
(12:59):
jewelry on.
Speaker 4 (13:00):
So I think anything of value, anything at least in
the jewelry, I say anything over say a thousand dollars
fifteen hundred dollars value anything as you acquire new gifts
or new pieces. But you should also have your art
a praise. Any important and valuable art should be a praise. Collectibles,
(13:23):
there's many collectibles out there that have very high value.
They should be a praise. Should you ever have a loss,
you know, you should be ensured. You know, anything that
you're going to have to down the road prove the
value of, you know, for insurance purposes to recoup any
loss or even replacement.
Speaker 2 (13:43):
Right, because there's loss and there's replacement. And I'm going
to just say it's a big difference because insurance can
cover you for loss, but in order to have your
jewelry or your fine are or whatever covered, it has
to be a replacement value insurance.
Speaker 3 (14:00):
It's a schedule, correct, And.
Speaker 2 (14:03):
I learned that when I was robbed, I didn't have replacement.
I had replacement, but I didn't I mean, I had
lost in.
Speaker 4 (14:07):
That replacement, right, And that's why it's so important to
have your appraisal was updated every few years. You know
you couldn't inherit a diamond ring that you could. You
know that's very high value in replacement. Right now, where
you have it under appraised, you know you'll never be
able to replace it for what you haven't you shared for,
So you have to keep that current at current retail price.
Speaker 2 (14:30):
And you said every three years, maybe three to five.
I think it's five years. I don't know every insurance.
This is something you listeners need to discuss with your
when you're shopping around for insurance. And you know, we
all know that home insurance right now is tough. You
need to ask how do you handle fine art, jewelry, collectibles,
(14:53):
because every insure is different.
Speaker 4 (14:58):
Correct, And like said, I recommend two to three years
having everything updated. Some insurance companies will go as far
as five. But you ought to make sure you've met
that question.
Speaker 2 (15:10):
So you do know, and you're you specialize in jewelry appraisals, Uh.
Speaker 3 (15:16):
Do you do other kinds of appraisals?
Speaker 4 (15:18):
I do silverware, silver, silver sets, that kind of stuff.
I don't do art. I pretty much specialize in the
fine jewelry, in metals, like serving sets, things like that.
Speaker 2 (15:33):
You know, I we've talked discussed it because I inherited silver,
and you know, the appraisals are like from when my
mother was married, which is over sixty years ago. So uh,
and silver has fluctuated in the process of getting all
that addressed as well. And also it's not just to
protect it, to keep it and hopefully pass it down
(15:54):
or whatever, but also if you choose to sell something.
I mean I have been in what I call the
selling of my mother's items for a while and I
couldn't price anything properly or when I would take it
to an auction house and they would give me an estimate.
You don't know somebody's joshing with you or not, because
everybody's going to low ball you. And if you say
(16:17):
I have the appraisal, they may say, well, yeah, but
that's an appraisal for replacement.
Speaker 3 (16:22):
But we all know that. You know, in wholesale it's different.
Speaker 2 (16:25):
You'll get a lot of pushback, but at least you
have that appraisal. Particularly if you're selling something, whether you're
selling it yourself an invaluable or eBay or first DIBs,
you can say I have I just did this. You
can say I have an appraisal or an authentic, authentic
letter of authentication, and that protects you when you were
selling something directly or through a third party.
Speaker 4 (16:49):
Yeah, absolutely, especially if you're selling to an auction house
or something like that. You need to know the value
so they don't take advantage of you, you know, and
there are a lot of companies that do that. So
at least you you're not going to get the full
retail replacement value, but you know the cost of it.
And you're right, a letter of authenticity that's a tough
(17:13):
word to get out right now. That was helping the
value of selling it privately also, and.
Speaker 2 (17:19):
That's important, particularly if you don't know, and I'm going
to give some scenarios. I had a squash blossom that
needed couldn't find any marketings on it, but I was
able to get a letter of authenticity so I could
sell it. You, I learned when you came at a
praise of my joy, a piece two pieces I just
kind of like snubbed at and didn't think they were
(17:39):
worth much actually became worth more than I realized.
Speaker 4 (17:42):
Yeah, that quite often happens. Yeah.
Speaker 3 (17:45):
I was very surprised by that, and yet not funny.
Speaker 2 (17:49):
Not funny the quote diamond earrings that my mother gave
me with great fanfare for my birthday ended up to
be cubic circonias, which.
Speaker 3 (17:59):
You know my mother is.
Speaker 2 (18:00):
But a did my mother tried to pass them off
to me as diamonds that knew they were czs or
did the store sell her czs instead of diamonds.
Speaker 3 (18:09):
We'll never know.
Speaker 2 (18:09):
But I kind of cringe thinking about that, because I
would hate to know that my mother thought she was
giving me diamonds and they were czs.
Speaker 3 (18:16):
That was a big surprise.
Speaker 4 (18:18):
Yeah, well, I mean you could take comforted it was.
Speaker 2 (18:20):
A do you know, but if I had gone to
a jeweler, I mean a jeweler's mutual where I use
and said I have you know, or somebody had said,
oh well, just appraises for whatever or tried to sell them,
it could have been really messy.
Speaker 3 (18:34):
So you know, again the value of getting.
Speaker 2 (18:37):
Appraisals is one to protect things that you cherish and
don't want to lose.
Speaker 3 (18:43):
And you want to make sure that if something happens,
whether it's.
Speaker 2 (18:45):
Lost, stolen, damaged, misplaced, whatever, you have documentation and appraisal.
But also if you go to sell something, you know
that you can you got a backup to I know.
Speaker 3 (19:00):
This is the real deal right.
Speaker 4 (19:03):
Right in for interns. You know, even whether you're looking
for the monetary value of it or you want to
replace it, it's it's important to be able to have
it at a level that you can replace something.
Speaker 2 (19:15):
Yeah, it's really really important. Are there other scenarios that
my listeners should weigh in when they're working with an appraiser?
Speaker 4 (19:26):
Currently, I think a lot of people are going towards electronically.
Electronic is okay as long as you have the proper information.
A lot of times you don't have to travel, you know,
to have a duality appraise you know, the process does
not take that long. It should take electronically, should take
a day or two if you send it somewhere or
(19:48):
you're on site, typically about one to two weeks. It's
not really a hard process. Again, I'm doing electronically all
over the country and a lot of a lot of
people are these. That also is accepted by many insurance companies.
Speaker 2 (20:03):
So I would uh so you would be contented by
your website, which is objewelers dot com ob as a boy,
and then I would upload photos that I take with
my phone onto your website and you would be able
to do the evaluation that way.
Speaker 3 (20:21):
I mean, do you have to send specific photos?
Speaker 2 (20:23):
I would think you'd have to send anything as marketings,
close up side, yes, et cetera.
Speaker 4 (20:29):
As many photos as you can with as much detail
as you can. If you when you're updating, it's even easier.
Just gets in a copy of the old appraisal with
the photo, and then that has the information we should
have the information needed and then really just details like
you're right, markings front backside.
Speaker 2 (20:49):
I think the old appraisal is important. I still have
the old appraisals. Even though I got everything, I still
keep the old appraisals and builds a cell because that
kind of tells us history of the item.
Speaker 5 (21:01):
Correct anything, right, Yeah, it's important to the appraiser also
all that information should you have it, it's it's not necessary.
Speaker 4 (21:11):
If you don't have it, pictures are fine, you can
go from there. Well.
Speaker 2 (21:16):
My advice would be if you buy something or your
gifted ask I mean every time my mother give me
a piece of jewel I'm s like, did you get it?
Speaker 3 (21:25):
Appraise? Because with the piece of jowey should come in appraisal.
Speaker 2 (21:28):
Uh and and and data sale because it does make
a difference when you were if that person is no
longer with you. I had to go through a lot
of things in my mother's estate, my grandmother's joy. We
just did it with my mother in law, and I
mean she's still alive, but we're right now doing it
with some of her boxes of jewelry. And it may
(21:50):
keeping that documentation is so.
Speaker 4 (21:52):
Important, it really is. And anything you know a receipt
you can just go from from that. That can be
the documentation documentation you send with the photos. Now.
Speaker 2 (22:01):
I also think it's important to clarify you were an appraiser,
so the services you provide appraisal services. You don't, well,
I don't know, So what about people who have like
I had? We had a big box of jewelry mishmash,
and we just wanted to know what we could just sell,
just get rid of.
Speaker 3 (22:19):
Do you do that?
Speaker 4 (22:21):
Yes, I do a thumbrokering for certain pieces. I worked
with a lot of dealers, and we can broke a jewelry,
we can buy scrap gold. I do a lot of that.
Speaker 2 (22:32):
I want to share an experience. Uh so we have
done that a few times.
Speaker 3 (22:36):
I've done it. Do a jeweler. I won't say who.
Speaker 2 (22:40):
I don't know if I've got the best, but you know,
I have to trust them. But we recently did it
down in New Orleans with somebody who did a great job,
and I had to I had to giggle. It's giggle,
not giggle, right, funny, not funny. My husband went with
a big thing of coins. You know, I dragged him
in because I'm like, we got to get rid of
these boxes. And we had I've sort of and went
(23:00):
through the box of his mom's just box of jewelry
and a suitcase of jewelry and a box of coins,
and we learned the coins were all fake, which is
kind of depressing.
Speaker 3 (23:10):
We learned that a lot of the.
Speaker 2 (23:12):
Bits and pieces of jewelry, bits and pieces and some
that we wouldn't have, we didn't see any visible markings.
Speaker 3 (23:20):
There was gold in them and silver sure, And you
know we left with a nice wat of cash. So
don't throw it away. Don't just start giving it to
donate here, there and there. Take it to someone.
Speaker 2 (23:34):
Who can look through the bits and pieces, and I
mean bits and pieces, and some of its bits.
Speaker 3 (23:40):
And pieces or full pieces.
Speaker 2 (23:41):
And you may end up whether it's through ed or
someone local. But I think it's important also to trust
the person. So I found you you had I think
it's one of those job sites. I was just looking
because I didn't know who to go to.
Speaker 3 (23:54):
In New Orleans.
Speaker 2 (23:55):
Everybody quotes you all sorts of prices, which is a
whole another thing. The prices can vary very much, and
it can also very base on volume. But you had
a lot of recommendations and that made me feel good.
And then you also were willing to be in New Orleans.
You swung through, so it worked out great and I
had a great experience. If you live anywhere that you
(24:15):
may not have appraisers. You can say, go to someone
who lives elsewhere and do an online appraisal, and I
would urge you not to settle. And I'm going to
say that because in I won't say my formers where
I used to live. But somebody was just one of
the well known, high visibility people in the business of
(24:36):
buying and selling gold has just been arrested.
Speaker 4 (24:40):
Right, you do hear a lot of that check.
Speaker 2 (24:45):
Yeah, so you need to find people that have gold reputations.
They have to be solid gold reputations. So get referrals
asked to see examples of appraisers appraisers. It don't necessarily
want you know, your jeweler may not be the best
person depending on who your jeweler is asked to see
(25:07):
how they appraise.
Speaker 3 (25:07):
Because I've had jewelers, some give me good appraisers, some
not in terms of appraisals.
Speaker 4 (25:13):
Right, you have to keep in mind also, you know
the price for appraisal. A lot of people will do
percentages of the value. You should really try and stay
away from that because I think that leads to the
possibility of overinflated appraisals. Yeah, you know, just shack up
the price. But then you're also paying higher insurance, so
that can be very yes per piece.
Speaker 2 (25:36):
I mean I'm thinking about the diamond. I mean, I
had the appraisal for the diamond ring. I'm now thinking
I should have had it reappraised by you because I'm
concerned I'm paying way too much. And you just brought
up that point that lab diamonds are cutting into natural diamonds,
which was kind of a shocking thing for me to
hear from you.
Speaker 3 (25:56):
So that's important too.
Speaker 2 (25:57):
Because many people are giving diamond engagement rings, who buyd
diamond tennis bracelets, and there's a lot of diamonds circulating
on the resell market or invaluable or live auctioneers. There's
a lot in your opinion, do you have an opinion
on lab versus natural?
Speaker 4 (26:16):
Well, I think natural is probably always a better way
to go, but the price point is, you know, much higher.
Lab created diamonds are the exact same composition of a
diamond just created in a lab. But you know, the
natural is probably always the better way to go because
it is the real thing. But again we're we're talking
(26:39):
probably you know, five times the price.
Speaker 2 (26:43):
So what about other stones? Are there other stones that
are increasing in value? That we should be.
Speaker 4 (26:49):
Aware of Tanzanit is always something that increases in value.
They do. There are lab created gemstones, also sapphires, rubies, emeralds.
They're doing the lab created these days. You have to
be careful of that. But as far as natural stones,
I think right now Tansa night is something that's increasing interesting.
Speaker 2 (27:14):
Clab of Tansa nite. That was my engagement ring. My
engagement is tansait. What about gold thourteen carrot versus eighteen
carrot versus I think you get you prise the ten
carrot you said that was actually what's the difference.
Speaker 4 (27:32):
The difference is the amount of gold, a percentage of
gold versus alloys in the piece. If you're wearing a
piece every day, I would recommend fourteen care because it's
a little harder and more durable. Ten carrots even more
durable than fourteen care the higher you go. The eighteen
carrot twenty twenty two care is much softer, doesn't wear
(27:53):
as well, but there's a higher percentage of gold within
the metal. That's what you know. Carrot is the percentage
of gold in the actual metal.
Speaker 3 (28:04):
So what it says gold filled is there value because
there is gold in it and if you just want
to like get rid of it.
Speaker 4 (28:11):
Goldfield is it's very low value, so you need a
lot of it to see any any kind of you know,
substantiul money. But yeah, there's there's gold and gold field.
Speaker 2 (28:20):
And I learned that when I went to go get
rid of stuff. I was like, wow, it's gold filled.
There's some money, you know, like you know, And I
underscore this because a lot of people just go and
do estate sales and or go to them or do
them or yard sales and declutter and they just say,
I just want to take this stuff and get rid
of it.
Speaker 3 (28:37):
And they need to understand.
Speaker 2 (28:38):
I mean, there are a lot of companies out there
that will gladly buy your jewelry for a low price
so they can resell it elsewhere. See that's why it's
really good. I mean they advertise all the time in
New York. And some people just are in an emotional
state where they just want to get rid of stuff,
or maybe they just need money.
Speaker 3 (28:55):
Yeah, but you got to do your homework.
Speaker 2 (28:58):
And I know when you need money and you just
want to get rid of something, I know how hard
that can be. You just want to take whatever, but
you got to do your homework.
Speaker 4 (29:05):
You got to do your homework right. And gold is
very high right now. So a scenario that I come
across a lot is somebody has a broken say class
mind of chain. They'll get it replaced at a jeweler.
You should always ask for that broken part back because
it could be valuable just that piece. The jeweler will
keep that and I'll tell you about that, and you know,
(29:25):
go and sell it and make money anisodes. You know,
it's kind of something you should always even little parts
are can be valuable.
Speaker 2 (29:35):
I want to just touch on that because it's also
important when you're asking a jeweler to reset something.
Speaker 3 (29:41):
I've heard stories in that.
Speaker 2 (29:43):
My facialist said that when they got the mother's diamond ringback,
it wasn't a diamond anymore in there when they gave
it to a jeweler.
Speaker 3 (29:51):
So you've got to be very careful about that.
Speaker 2 (29:52):
What should you be doing if you're taking some jewelry
into get repaired.
Speaker 4 (29:58):
If it's a it's a diamond ring or something valuable,
that's another reason why you should have an appraisal to
prove what you get back is what you gave them
when you take it in. If you don't have an appraisal,
you should really try, and you know, like not like
document something on the diamond that you can point out
later or recognize later to make sure it's the same one.
(30:20):
But yeah, yeah, her horror stories like that all the
time in the industry. I don't know if it happens
as much as everybody says, but you know, it's something
you have to be careful of. And again, an appraisal
would prove what you brought in is what you get back.
Speaker 3 (30:36):
Well, how would you know?
Speaker 2 (30:37):
You'd have to take it somewhere else to have them
check it, because you're not going to check it at
the jeweler.
Speaker 4 (30:41):
Right, so you'd have to have the appraisal done friar.
Speaker 2 (30:47):
Yeah, but then when you get to ring back, you
don't know if it's the same ring.
Speaker 3 (30:49):
How do you know?
Speaker 2 (30:50):
I mean, if it looks like the ring that was appraised,
how would you know that it's not authentic? You'd have
to go somewhere to have them check it again.
Speaker 4 (30:58):
Right, you have to have somebody check it again, right,
you know.
Speaker 3 (31:00):
If it's that valuable, you should, you know.
Speaker 2 (31:03):
I think the point about getting the piece of broken
chain back, et cetera.
Speaker 3 (31:09):
I think that's so important.
Speaker 2 (31:10):
A lot of people don't think about that, you know.
Or if you're getting a new setting for a ring
or ear rings, Let's say you're you're going from clip
back to pierce or pierce to clip back, ask for
the pieces.
Speaker 4 (31:22):
Back right exactly.
Speaker 3 (31:25):
I think I didn't do that once.
Speaker 2 (31:27):
I think that that's really a great point at what
about silver, same thing sterling versus nine two five?
Speaker 3 (31:33):
What are the differences there?
Speaker 4 (31:35):
That again is the amount of silver also in the
in the metal, and you should always get that back. Also,
going back to your point on having your your diamond
and switched or anything like that, you should always look
for a jeweler that can do things while you wait.
And there are a lot of them out there. Even
if you have something reset, they order the mounting, then
(31:55):
you come in and they'll set the stones while you watch.
Speaker 2 (31:58):
So so why if you take something in this broken
class and they'll say, well, we'll call you when it's ready.
Speaker 4 (32:08):
Yeah, something as far as that, like soldering a chain
or fixing a class is, I would think that would
be fine. They aren't going to take your a little
bit of gold, I would imagine, un leuch, they're very unscrupulable,
but a diamond ring. So you have a valuable diamond
ring something you should wait for. And if they tell
you that they're going to send it out or call
you in two weeks, take it somewhere else where you
(32:30):
can do it while they wait. And there are a
lot a lot of jewelers out there that do do that.
If they're a good jeweler, they'll be able to do
it while you wait.
Speaker 3 (32:38):
Wow, that's such a great point.
Speaker 4 (32:41):
Yeah, I like you said, I've been in the business
thirty years. I have a shop and we do everything
while you wait. We had cameras on the benches at
one point with big monitors so people can watch. Yeah.
Speaker 2 (32:53):
I just want to point out on Obi you have
obijewelers dot Shop as well as obijewelers dot.
Speaker 3 (32:59):
Com, and you have jewelry for sale.
Speaker 2 (33:02):
You also have custom made jewelry that you can do,
you said, and other consulting services. So that's good to
know as well for anyone shopping around.
Speaker 3 (33:12):
And you got to be careful. And I'm going to say,
I'm sure in.
Speaker 2 (33:17):
My life I have made some costly mistakes because we
have as I've talked to him as I've listened to you.
I'm older and wiser and more careful. Now I'm going
to say this everyone listening when you were in what
if you were buying jewelry or selling jewelry, take your
time with it, don't rush it. And I know that
(33:39):
many people, including me, sometimes will buy something in a
fit of passion.
Speaker 3 (33:44):
Or anger or whatever's emotion and it could be too
good to be true.
Speaker 2 (33:51):
We all go online and look, we're all on eBay
and Facebook, Marketplace and all the on site things. You've
got to be really careful. You definitely have to know
what you're looking for and trust where it's coming from
because it can be too good to be true. And
on the flip side, if you're selling something, you need
(34:13):
to make sure you have an authenticity factory. I just
recently went through this, not with jewelry, but.
Speaker 4 (34:18):
With a.
Speaker 2 (34:20):
Designer bag. In a designer bag had the designer box
and had the designer everything, and I think I bought
it at a charity auction. It was so long ago,
but I never used it, and I sold it on
eBay and the buyer's like, it's fake, and I was like, huh,
And I couldn't you know, because then I probably bought
it fake, so I just nipped it in the buds
(34:41):
to send it back full reef and whatever. But the
lesson I learned with it, and I am taking it
to the designer store to have them authenticate it for sure.
But just there was that one moment where she said, well,
I have one just like it and it's not the same,
And I said, I'd like to see a photo of
yours before you send mine back, because you know, immediately
(35:03):
I'm like, are you switching me out?
Speaker 3 (35:04):
So there's a lot of.
Speaker 2 (35:05):
Things, and I don't know what it looks like. It
came back, it looks fine, but I am taking it
to the store. But what I learned from the experience
is if you are going to go and try to
sell some of your precious things online because you need
to make money in eBay or whatever, get the necessary paperwork,
(35:27):
take the time and do it, and factor it in
that into the price if there's a cost, because you
don't want to get tripped.
Speaker 4 (35:33):
Up, right. Yeah, it's so important to be educated on
what you're selling or buying.
Speaker 3 (35:40):
Yeah, do your homework, and and also go and look
at this.
Speaker 2 (35:44):
You know a lot of the prices are inflated. So
go and I'm gonna say eat because I learned this.
You know, go to the soul section and see what
things are being sold for. There's several There's one for
subscription called Worthpoint that I recommend live auctioneers invaluable eBay
summer subscriptions.
Speaker 3 (36:01):
Some are not.
Speaker 2 (36:03):
But do your homework to see what things are selling
for and again, if it is a value, get an appraiser.
Speaker 3 (36:10):
I do have another question.
Speaker 2 (36:11):
We talk about fine jewelry, can you appraise find vintage
jewelry that may be costume because there's a lot of
costume jewelry now that's actually a value.
Speaker 3 (36:19):
Is there a way to praise that or is that
another process?
Speaker 4 (36:24):
No, that's something we appraise all the time. Really, Yeah,
vintage costume jewelry we can do. You know a lot
of that. The metal is a different metal, different stones.
But yeah, I have to find somebody very knowledgeable on
that also. But that's definitely something possible and something we
can handle.
Speaker 2 (36:43):
Well, that's important as well as I'm thinking about some
of the pieces I have because I ended up with
a lot of vintage jewelry and I've become self educated.
Speaker 3 (36:55):
In the process. But knowing that you can do vintage
jewelry as well as fine is. I'm already thinking about
some pieces the next time.
Speaker 2 (37:02):
I utilize your services that because I'm seeing their market value.
Speaker 3 (37:10):
The resale value is quite high.
Speaker 4 (37:12):
Yeah, some of the Turn of the century or our
Deco pieces, or during the depression that was very popular,
but those pieces have become very valuable.
Speaker 2 (37:24):
I hope everybody listening is taking all this in because
I truly believe that for people out there, particularly if
you are inheriting or cleaning out a house, or you're
going to an estate sale, or you're thinking about a
gig business where you're selling online, this is good information
(37:45):
to understand. There is value in many things you have
that you may not realize and you don't know until
you get someone to work with you to give you
an honest, fair appraisal.
Speaker 4 (38:00):
And if you have a big business, if something that
can be factored right into.
Speaker 3 (38:03):
The price exactly, and I have done that, you know
is I factored in appraiser costs. And because I want
to show that and say, I can send.
Speaker 2 (38:15):
You if you purchased this, you will have a copy
of the appraisal. You still have to go get a
new appraisal because it's under your name, but at least
you have that backup.
Speaker 4 (38:24):
Right, and especially if you're looking to ensure it, it has
to be under your name and you're you know, assured
on a specific address. But yeah, that's very important.
Speaker 2 (38:33):
Yeah, very very important. And like I said, I have
used worked with ED. He gave me a very detailed appraisal.
It was it was a process.
Speaker 3 (38:40):
I had a lot I have. I enshare with Jeweler's Mutual.
I have no affiliation with them.
Speaker 2 (38:47):
It's just that when I went to and every state
is different, every insurance is different, Louisiana is tough to
get insurance, period.
Speaker 3 (38:57):
So I bit the bullet and.
Speaker 2 (38:58):
Went with Jeweler's Mutual because it was the best I
could do for what I had with all this appraised jewelry.
And then as I go and decide to sell some
of it, I can more confidently do it working through
an auction house or trying to resell it myself, whatever
or go.
Speaker 3 (39:14):
You have ED do it for you.
Speaker 2 (39:15):
You just you need to know when you go to
resell something, if you're having a third party do it,
You've got to find out what the costs are involved.
Because there's specific costs for selling it auction. There's specific
costs if somebody's reselling for you and you need to
work that out in advance.
Speaker 4 (39:32):
And heaven writing right exactly.
Speaker 3 (39:35):
And also if it doesn't sell, how are you gonna
pick it up? If it's.
Speaker 2 (39:41):
You know, there's that's a whole other topic, but it
all starts with knowing what the value is exactly.
Speaker 3 (39:48):
Well, and I'm really enjoyed talking to you.
Speaker 2 (39:51):
What how can my listeners find and is there any
parting words you want to say share?
Speaker 4 (39:56):
Just that you can contact me through ob Jewelers. We
do electronic appraisals, but like we did yours, we also
do travel throughout the country. I'm always on the road.
You know, usually specific number of pieces make that worthwhile.
But any questions, it's obijewelers dot com. I'm always available.
Speaker 3 (40:16):
You know.
Speaker 2 (40:16):
Something I want to tell my listeners is if you
live in a city where you may have some friends
who have items. You know it is a lot for
ED to travel, but it can make it worth his
while and you help you and your friends if you say, look,
I have a great appraiser. If you have items to
be a praise, let's make a date and let's contact them,
and then it makes it worth it for you to
(40:37):
come to that market if you're you know, sweeping through.
Speaker 3 (40:40):
So that's another way to do it. And then.
Speaker 2 (40:44):
You are helping your friends out as well because they
can come and hire ed while he's in town if
they want to do it in person.
Speaker 3 (40:53):
But like he said, like you said, you can do
it online as well.
Speaker 4 (40:56):
Yeah, and there are many times we'll go to you know,
I'll go to a city where there's somebody all five
items here, five items there. I'll spend a couple of
days traveling, you know, going through those clients. So it's
not like doesn't all have to be in one place.
Speaker 2 (41:10):
Well, you've really provided a lot of good information that
I hope will help my listeners find peace of mind
as they decide how to protect and preserve their fine
valuables as well, because we want to do that. You
want to protect your health, you want to protect your wealth,
you want to protect your loved ones, you want to
protect what you have and own because everything is so
(41:31):
uncertain right now, so the most certain thing you can
do is get appraisals and insurance and know where everything
is in your documentation. And you're not desperately trying to
find all this in moments of chaos exactly.
Speaker 4 (41:45):
And I would like to offer anybody in California and
the fires any help. You know, I'm very happy to help,
So just reach out.
Speaker 3 (41:52):
Yeah, my heart just breaks.
Speaker 2 (41:54):
I have two friends who've lost everything. It's just really upsetting.
And for all of you in California who are suffering,
my heart, our hearts go out to you.
Speaker 3 (42:03):
We want to help.
Speaker 2 (42:05):
And for everyone, and whether it's the Carolinas and the floods,
I loved friends and who were hit by Hurricane Helene
as well. I hope that if anything, this show can
help you as you rebuild your life exactly.
Speaker 4 (42:21):
And if I can guide anybody through the process, just
reach out and give me, give me call contact Metobijewelers
dot com. I'd be glad to help.
Speaker 3 (42:29):
Thank you so much, Ed O'Brien. I've really enjoyed talking
with you.
Speaker 2 (42:33):
Thank you for helping me get through the process as well.
And I hope for everyone listening this has been another
enlightening show.
Speaker 3 (42:42):
I'm fearless fabulous.
Speaker 2 (42:43):
You because you remember you have many choices in life,
Please choose being fearless and fabulous.
Speaker 3 (42:48):
Thank you, s
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