Hi, its my first post, was gonna do an introduction first but needed to jump in here and let you know my thoughts as i'm in the UK
and was in a similar situation before xmas..
I sold all my gold last year, I still regret it, but it was a necesity at the time :sad: , if you decide to sell, avoid ebay, you will get ripped off with fees and fees on the fees! one of the best places ive found to sell is
Hatton Garden Metals, they are honest,( I sent some gold off and thought it wasnt even 9ct gold (dull and un-marked, Spanish beach gold), and when they paid out it turns out it was 18ct) and speedy too. But they dont give you anything for the stones, so best to sell items with stones seperately, or hold onto them?
If you can hold on, do so, as prices arent great at the moment
see here
Good luck whatever you decide