In the past I've always sold my gold. I used to just cash it in at local shops but there is a large mail order refinery (called something like ARI or something) that most of the beach hunters in the beach forum use. That one and Midwest, but more seem to prefer the ARI or whatever place. They only skim I think 2% off the current stock market price of gold and give you the rest back. They even have a jeweler who will buy various precious stones if you want to sell them. Some say the price on that is pretty fair and more than you'd get from a local jeweler, but if you want to keep the stones they will remove them from the ring and mail them back to you. Search for "best place to sell gold" or words like that in the beach forum and you'll find the place I'm talking about and remarks about it. One tip- It's useless to insure your rings when sending them through the mail. If you don't have a receipt for the purchase of the ring then you can't collect on it's value from what I've read.
As far as pin pointers go, I don't use one in the water. On the beach I do, even though I use a long handled sand scoop, because I find it easier to just dump the sand on the ground and then use my pin pointer to find the target after I've spread the sand out some with my foot. I prefer the Pro Pointer. Best hand held pin pointer I've ever used and worth every penny. Some will stick it in a zip lock bag with the air burped out of it for hunting in rivers and such. Others even vacuum seal it in one of those food storage bags. Still others have waterproofed it by putting rubber cement over the speaker hold and LED light, and then putting a bigger o-ring (the Pro Pointer already has one) under the screw on battery holder. A friend has a waterproof Vibraprobe but it doesn't perform nearly as well and the auto on/off function is a real pain IMO when I've used it.
Most people water hunting on beaches don't bother with a pin pointer. Just not needed when you are just moving the scoop around in the water to wash out the sand and leave the target. My friend only uses one in river hunting where the bottom is bedrock or gravel and a scoop won't work. In that situation you use a screwdriver to pry targets out of cracks or just your bare hands to find stuff laying on the bottom in depressions and such. In that situation he uses a pin pointer, especially to zero in on stuff stuck inside of cracks in the bedrock.