Originally Posted by
CMA Death Adder
You get one after defeating the witch (Gem 2), and two in the cave w/the Red Dragon (I forget which numbers they are).
I can't guarantee I'll be able to jump into the game and jot down a complete list of the gems and their locations -- I checked, and I only kept one retail copy of Beggar Prince for myself. Since I never played through that particular copy, I'd need to start at the beginning and play through the entire game. My prototype copies (with saves at or near the end) are presently in storage.
The thing about Beggar Prince is, it can be unforgiving (much like real life) in that you must accomplish everything in certain areas the first time you visit them, as you may not be able to return to them later. Some players find it frustrating, but I look at it as a slice of (painful) reality.