Raising PS money - Selling a diamond

I gonna try to sell a diamond to raise the money for a Lower Body Lift. My friends own a jewelry store but are out on vacation so I can't ask this question of them. I understand the INS appraisal is replacement value but if I have gem that was appraised for 6500. in 1995, ABOUT what selling price am I going to get for it. Has the price of diamonds gone up or down since '95? Does the price differ in different area of the nation? Should I sell online or locally (Chicago area)? Is there anything I need to watch out for or be aware of?

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