Don't buy from major jewelry retailers, its all a rip-off. Try to buy from a family business or a smaller company. You can always look up the value of gold and based the price off of that. I own a Cuban link chain with an Saint Lazarus piece and it weights 64grams. I bought it in the late 90's so the price then was about $800, now I can flip it for double that if I wanted to. Gold and silver will never decrease in value, so it doesn't hurt to buy some.