A gold buyer, will buy your gold.
They will take out your stones, and give it back to you.
Or the alternative is, going to a jewelry store and getting it appraised, per the whole piece of jewelry, then you know how much it is worth.
And some jewelers will buy jewelry.
So you might get more for it, for the whole piece of jewelry, versus selling it to a gold buyer, in which they only buy the gold.
Do not go to a pawn shop. You will not get a good deal.
Shop around. So see where you get the best price for your jewelry.
Do a Google search for your city.
Here is a link for you, to learn about it:
http://www.goldguys.com/index.php
This is a reputable company in my city.
They have tips on it, on selling your jewelry.
Also go here, to see what the rates of gold is now:
http://www.monex.com/liveprices
At one point, gold was $1880