If you need cash from jewelry you own, sell it outright when you are ready to part with the piece and want its full value today. Take a jewelry loan when you want the piece back and expect to repay.

A jewelry loan lets you borrow money against a piece you own without selling it. In Atlanta you can borrow against gold, diamonds, luxury watches, designer jewelry, and designer handbags. The amount depends on what the piece would resell for today.

You need cash, and the Rolex on your wrist (or sitting in a drawer) is worth more than anything else you own. That's usually where this question starts. Not "what's my watch worth," but something closer to: if I let this go, am I ever getting it back?

Two Rolex Submariners can sit side by side, same reference number, same year, and sell for two very different amounts. That surprises a lot of people the first time they hear it. A watch isn't priced off a single chart. It's priced off a combination of things, and once you understand what actually drives the number, you stop guessing and start seeing your own watch more clearly.