Hi, times are tough, and I need to sell my scrap 14K gold. I've researched high and low and it seems no one is offering close to the spot price of gold. Gold was up $20 yesterday and is up again today @ $1139/oz I toured the coin, jewelery and pawn stores in my area today, and the highest price I was quoted was $14.75/gram for 14K gold. Using a gold karat calculator online, the SPOT PRICE for 14k gold is $21.36/gram. My local, and only, refinery is a little more generous at $15.75 per gram. It seems really unfair that the refinery takes over 1/3 of the value of the gold! I thought their take was more like 5-10%? Any ideas? Don't say Cash4gold.