ChrisSilver

I was using my bank app where I can send money using the recipient's bank details, I'm sure all bank apps are similar.
The app said no, the figure was too large, so I started to make smaller payments. I made about three when the app shut down and a message appeared 'call this number'. The app would not open.
Bear in mind, I'm in the US and the number I called was not attended at this time.
I called the following day. The pleasant chap at the other end asked me many, many questions until he had no doubt that I was me! He probably knows more about me than my wife.
The awkward bit was when he asked me how I knew the payee. It is hard to explain why I'm sending £**** to someone I have never met and trying to explain the forum 'code of honour' falls on deaf ears, but I was adamant. Make the payment now.
The ban was lifted but only once I agreed that the bank would not be liable if I was defrauded. It would be on me, alone. Tough decision but I was sure of the integrity of the seller.
I agreed, the money was sent and the app reactivated. Solved within half an hour. 
 
add: I just signed up to Monzo, looks good, waiting for the card. Cheers @ChrisSilver 😊

Sorry to hear about your issues with your bank and that it is taking them so long to resolve.

The problem with high street banks IMO is that fraud is so prevalent they are overly cautious. They are so overly cautious that they block a large % of perfectly genuinely transactions, and though blocking fraud transactions does help to protect customers as well as the banks ultimately it can lead to large inconveniences, particularly when blocking genuine transactions, such as the one that you have experienced. 

I had a credit card from one of the large high street banks and it was declined whilst abroad, calling in from abroad and waiting hours is not convenient for the end user. There are some advantages for paid premium accounts such as a dedicated telephone line but in the end I believe that the online only challenger banks are the best way to go. If needed, transactions can just be confirmed from within the app itself by FaceID, Touch ID etc (or similar biometrics) this is much easier for the end user. 

Any of these could be good to open: Monzo (the best app interface of any UK bank and the easiest to use IMO), Starling, Revolute.

Monzo and Starling the best IMO for whilst abroad, they both offer 0% foreign transactions fees 7 days a week with no mark up over the Mastercard rates. Starling has unlimited 0% cash withdrawals whilst abroad (but for day to day use I do recommend Monzo for their better app interface, so can even get both)

There are also other online challenger banks such as Chase, and Virgin, these are also worth considering they both have 0% foreign exchange fees on purchases. Virgin also offers unlimited 0% cash withdrawals whilst abroad with no requirements. 

Sorry to hear about your issues with your bank and that it is taking them so long to resolve.

The problem with high street banks IMO is that fraud is so prevalent they are overly cautious. They are so overly cautious that they block a large % of perfectly genuinely transactions, and though blocking fraud transactions does help to protect customers as well as the banks ultimately it can lead to large inconveniences, particularly when blocking genuine transactions, such as the one that you have experienced. 

I had a credit card from one of the large high street banks and it was declined whilst abroad, calling in from abroad and waiting hours is not convenient for the end user. There are some advantages for paid premium accounts such as a dedicated telephone line but in the end I believe that the online only challenger banks are the best way to go. If needed, transactions can just be confirmed from within the app itself by FaceID, Touch ID etc (or similar biometrics) this is much easier for the end user. 

Any of these could be good to open: Monzo (the best app interface of any UK bank and the easiest to use IMO), Starling, Revolute.

Monzo and Starling the best IMO for whilst abroad, they both offer 0% foreign transactions fees 7 days a week with no mark up over the Mastercard rates. Starling has unlimited 0% cash withdrawals whilst abroad (but for day to day use I do recommend Monzo for their better app interface, so can even get both)

There are also other online challenger banks such as Chase, and Virgin, these are also worth considering they both have 0% foreign exchange fees on purchases. Virgin also offers unlimited 0% cash withdrawals whilst abroad with no requirements. 

I would not suggest to do this, it over complicates things and turns it into an Argos 😄 (for those outside of the UK, Argos is a shop that you order from a catalogue in store and you collect from the counter when they call your ticket number with an announcement "Ticket number X to collection point B please") it would also be more complicated for you to work through. 

A more simple system would simply be to state in your sales topic something like "Priority given to those who comment in this topic first with the item they are interested in. Pease state the item you are looking to purchase here first and then send a PM, this is to help me fairly organise the sale of my items as I have so many to sell"

Then you easily have a time stamped, and in chronological order, list of members who wish to buy each item. Everything was in the listing and clear. 

From personal sales I have found that those who comment in the trade topic first, even if just saying something like "PM sent" have made it easier to keep track of who private messaged first without needing to check the time stamps, just look ate the order of which the comment was made and deal with that request first before moving onto the next. TBH this is all that is probably needed, just a comment to say PM incoming or something TBH. (effectively this is like your 'ticket' system) If you wish to do this method then you can just simply state "Priority given to those who comment in this topic first before sending PM. Please comment and send PM" 

Either of those options would be helpful IMO, depending on how many items you are listing in each topic you may find either of them more useful than the other. Would likely also be easier having in one large topic rather than breaking down every single coin into a separate topic, more work to close each topic especially if you have hundreds of coins for sale.
Hope that helps  

I would not suggest to do this, it over complicates things and turns it into an Argos 😄 (for those outside of the UK, Argos is a shop that you order from a catalogue in store and you collect from the counter when they call your ticket number with an announcement "Ticket number X to collection point B please") it would also be more complicated for you to work through. 

A more simple system would simply be to state in your sales topic something like "Priority given to those who comment in this topic first with the item they are interested in. Pease state the item you are looking to purchase here first and then send a PM, this is to help me fairly organise the sale of my items as I have so many to sell"

Then you easily have a time stamped, and in chronological order, list of members who wish to buy each item. Everything was in the listing and clear. 

From personal sales I have found that those who comment in the trade topic first, even if just saying something like "PM sent" have made it easier to keep track of who private messaged first without needing to check the time stamps, just look ate the order of which the comment was made and deal with that request first before moving onto the next. TBH this is all that is probably needed, just a comment to say PM incoming or something TBH. (effectively this is like your 'ticket' system) If you wish to do this method then you can just simply state "Priority given to those who comment in this topic first before sending PM. Please comment and send PM" 

Either of those options would be helpful IMO, depending on how many items you are listing in each topic you may find either of them more useful than the other. Would likely also be easier having in one large topic rather than breaking down every single coin into a separate topic, more work to close each topic especially if you have hundreds of coins for sale.
Hope that helps  

@Richiesilver  I'm a firm believer of the "keep it simple, stupid" philosophy.        Just don't bite off more than you can chew and just do a few listings at a time, and/or just do some  bundles of silver i.e 5oz lots or full tubes.   Honestly theres no point trying to reinvent the wheel with listings.   
 
 
 
 

Sorry to hear about your issues with your bank and that it is taking them so long to resolve.

The problem with high street banks IMO is that fraud is so prevalent they are overly cautious. They are so overly cautious that they block a large % of perfectly genuinely transactions, and though blocking fraud transactions does help to protect customers as well as the banks ultimately it can lead to large inconveniences, particularly when blocking genuine transactions, such as the one that you have experienced. 

I had a credit card from one of the large high street banks and it was declined whilst abroad, calling in from abroad and waiting hours is not convenient for the end user. There are some advantages for paid premium accounts such as a dedicated telephone line but in the end I believe that the online only challenger banks are the best way to go. If needed, transactions can just be confirmed from within the app itself by FaceID, Touch ID etc (or similar biometrics) this is much easier for the end user. 

Any of these could be good to open: Monzo (the best app interface of any UK bank and the easiest to use IMO), Starling, Revolute.

Monzo and Starling the best IMO for whilst abroad, they both offer 0% foreign transactions fees 7 days a week with no mark up over the Mastercard rates. Starling has unlimited 0% cash withdrawals whilst abroad (but for day to day use I do recommend Monzo for their better app interface, so can even get both)

There are also other online challenger banks such as Chase, and Virgin, these are also worth considering they both have 0% foreign exchange fees on purchases. Virgin also offers unlimited 0% cash withdrawals whilst abroad with no requirements. 

What I would say though from my relatively short time on this forum is that I think most people would understand and be patient, unlike many dealers.  It’s good you have raised awareness.

100%. The seller was awesome about it. He even sent the coin without paying! This proves how amazing and safe the forum is (with the right amount of feedback and attitude trust blossoms 😁). But the banks spoil it with their suspicion 🙄

Hi Katy,
It happened to me too, albeit a much larger sum, with a member here.
It's embarrassing!
What I did: Keep on to them, tell them it's unacceptable. When they say '72 hours' blah blah, say no.
Any leeway you give, they will use it.
It will be resolved but what a nuisance eh?
p.s. I'm with Barclays, have been for 45 years and I reminded them of that 😃

Sorry to hear about your issues with your bank and that it is taking them so long to resolve.

The problem with high street banks IMO is that fraud is so prevalent they are overly cautious. They are so overly cautious that they block a large % of perfectly genuinely transactions, and though blocking fraud transactions does help to protect customers as well as the banks ultimately it can lead to large inconveniences, particularly when blocking genuine transactions, such as the one that you have experienced. 

I had a credit card from one of the large high street banks and it was declined whilst abroad, calling in from abroad and waiting hours is not convenient for the end user. There are some advantages for paid premium accounts such as a dedicated telephone line but in the end I believe that the online only challenger banks are the best way to go. If needed, transactions can just be confirmed from within the app itself by FaceID, Touch ID etc (or similar biometrics) this is much easier for the end user. 

Any of these could be good to open: Monzo (the best app interface of any UK bank and the easiest to use IMO), Starling, Revolute.

Monzo and Starling the best IMO for whilst abroad, they both offer 0% foreign transactions fees 7 days a week with no mark up over the Mastercard rates. Starling has unlimited 0% cash withdrawals whilst abroad (but for day to day use I do recommend Monzo for their better app interface, so can even get both)

There are also other online challenger banks such as Chase, and Virgin, these are also worth considering they both have 0% foreign exchange fees on purchases. Virgin also offers unlimited 0% cash withdrawals whilst abroad with no requirements. 

I’m with Lloyds and wouldn't recommend them for similar reasons.  Their fraud checks meant I missed out on a purchase from the Royal Mint.  Explained to them the impact of their procedure but weren’t interested.  That said, I think they’re all as bad as each other.

Sorry to hear about your issues with your bank and that it is taking them so long to resolve.

The problem with high street banks IMO is that fraud is so prevalent they are overly cautious. They are so overly cautious that they block a large % of perfectly genuinely transactions, and though blocking fraud transactions does help to protect customers as well as the banks ultimately it can lead to large inconveniences, particularly when blocking genuine transactions, such as the one that you have experienced. 

I had a credit card from one of the large high street banks and it was declined whilst abroad, calling in from abroad and waiting hours is not convenient for the end user. There are some advantages for paid premium accounts such as a dedicated telephone line but in the end I believe that the online only challenger banks are the best way to go. If needed, transactions can just be confirmed from within the app itself by FaceID, Touch ID etc (or similar biometrics) this is much easier for the end user. 

Any of these could be good to open: Monzo (the best app interface of any UK bank and the easiest to use IMO), Starling, Revolute.

Monzo and Starling the best IMO for whilst abroad, they both offer 0% foreign transactions fees 7 days a week with no mark up over the Mastercard rates. Starling has unlimited 0% cash withdrawals whilst abroad (but for day to day use I do recommend Monzo for their better app interface, so can even get both)

There are also other online challenger banks such as Chase, and Virgin, these are also worth considering they both have 0% foreign exchange fees on purchases. Virgin also offers unlimited 0% cash withdrawals whilst abroad with no requirements. 

Sorry to hear about your issues with your bank and that it is taking them so long to resolve.

The problem with high street banks IMO is that fraud is so prevalent they are overly cautious. They are so overly cautious that they block a large % of perfectly genuinely transactions, and though blocking fraud transactions does help to protect customers as well as the banks ultimately it can lead to large inconveniences, particularly when blocking genuine transactions, such as the one that you have experienced. 

I had a credit card from one of the large high street banks and it was declined whilst abroad, calling in from abroad and waiting hours is not convenient for the end user. There are some advantages for paid premium accounts such as a dedicated telephone line but in the end I believe that the online only challenger banks are the best way to go. If needed, transactions can just be confirmed from within the app itself by FaceID, Touch ID etc (or similar biometrics) this is much easier for the end user. 

Any of these could be good to open: Monzo (the best app interface of any UK bank and the easiest to use IMO), Starling, Revolute.

Monzo and Starling the best IMO for whilst abroad, they both offer 0% foreign transactions fees 7 days a week with no mark up over the Mastercard rates. Starling has unlimited 0% cash withdrawals whilst abroad (but for day to day use I do recommend Monzo for their better app interface, so can even get both)

There are also other online challenger banks such as Chase, and Virgin, these are also worth considering they both have 0% foreign exchange fees on purchases. Virgin also offers unlimited 0% cash withdrawals whilst abroad with no requirements. 

Sorry to hear about your issues with your bank and that it is taking them so long to resolve.

The problem with high street banks IMO is that fraud is so prevalent they are overly cautious. They are so overly cautious that they block a large % of perfectly genuinely transactions, and though blocking fraud transactions does help to protect customers as well as the banks ultimately it can lead to large inconveniences, particularly when blocking genuine transactions, such as the one that you have experienced. 

I had a credit card from one of the large high street banks and it was declined whilst abroad, calling in from abroad and waiting hours is not convenient for the end user. There are some advantages for paid premium accounts such as a dedicated telephone line but in the end I believe that the online only challenger banks are the best way to go. If needed, transactions can just be confirmed from within the app itself by FaceID, Touch ID etc (or similar biometrics) this is much easier for the end user. 

Any of these could be good to open: Monzo (the best app interface of any UK bank and the easiest to use IMO), Starling, Revolute.

Monzo and Starling the best IMO for whilst abroad, they both offer 0% foreign transactions fees 7 days a week with no mark up over the Mastercard rates. Starling has unlimited 0% cash withdrawals whilst abroad (but for day to day use I do recommend Monzo for their better app interface, so can even get both)

There are also other online challenger banks such as Chase, and Virgin, these are also worth considering they both have 0% foreign exchange fees on purchases. Virgin also offers unlimited 0% cash withdrawals whilst abroad with no requirements. 

Sorry to hear about your issues with your bank and that it is taking them so long to resolve.

The problem with high street banks IMO is that fraud is so prevalent they are overly cautious. They are so overly cautious that they block a large % of perfectly genuinely transactions, and though blocking fraud transactions does help to protect customers as well as the banks ultimately it can lead to large inconveniences, particularly when blocking genuine transactions, such as the one that you have experienced. 

I had a credit card from one of the large high street banks and it was declined whilst abroad, calling in from abroad and waiting hours is not convenient for the end user. There are some advantages for paid premium accounts such as a dedicated telephone line but in the end I believe that the online only challenger banks are the best way to go. If needed, transactions can just be confirmed from within the app itself by FaceID, Touch ID etc (or similar biometrics) this is much easier for the end user. 

Any of these could be good to open: Monzo (the best app interface of any UK bank and the easiest to use IMO), Starling, Revolute.

Monzo and Starling the best IMO for whilst abroad, they both offer 0% foreign transactions fees 7 days a week with no mark up over the Mastercard rates. Starling has unlimited 0% cash withdrawals whilst abroad (but for day to day use I do recommend Monzo for their better app interface, so can even get both)

There are also other online challenger banks such as Chase, and Virgin, these are also worth considering they both have 0% foreign exchange fees on purchases. Virgin also offers unlimited 0% cash withdrawals whilst abroad with no requirements. 

I think the chase card has a 1% cashback on all purchases. It's a good deal but doesn't go down well with the forum OG's. Spread your funds about is probably the best way. 
Also the thing is with these fintech cards they are much more user friendly than a bank and usually resolve within minutes of logging into the app.

Sorry to hear about your issues with your bank and that it is taking them so long to resolve.

The problem with high street banks IMO is that fraud is so prevalent they are overly cautious. They are so overly cautious that they block a large % of perfectly genuinely transactions, and though blocking fraud transactions does help to protect customers as well as the banks ultimately it can lead to large inconveniences, particularly when blocking genuine transactions, such as the one that you have experienced. 

I had a credit card from one of the large high street banks and it was declined whilst abroad, calling in from abroad and waiting hours is not convenient for the end user. There are some advantages for paid premium accounts such as a dedicated telephone line but in the end I believe that the online only challenger banks are the best way to go. If needed, transactions can just be confirmed from within the app itself by FaceID, Touch ID etc (or similar biometrics) this is much easier for the end user. 

Any of these could be good to open: Monzo (the best app interface of any UK bank and the easiest to use IMO), Starling, Revolute.

Monzo and Starling the best IMO for whilst abroad, they both offer 0% foreign transactions fees 7 days a week with no mark up over the Mastercard rates. Starling has unlimited 0% cash withdrawals whilst abroad (but for day to day use I do recommend Monzo for their better app interface, so can even get both)

There are also other online challenger banks such as Chase, and Virgin, these are also worth considering they both have 0% foreign exchange fees on purchases. Virgin also offers unlimited 0% cash withdrawals whilst abroad with no requirements. 

I have locked this topic, but keeping it visible as @danieldorkins has written a good reply. 

It is believed that the topic was deliberately posted by the author so that a post by "another" user (which is hidden) could be posted with links to advertise their website, as to appear like a genuine recommendation from someone else rather than transparent marketing.
 

Thank you @ChrisSilver. I think we need to spread our transactions out with the likes of Revolut etc. Not because we need to hide anything! But to give us other options when things are difficult - like this. I recall HSBC went down one evening - around 6 months ago - and thinking to myself - Imagine if that's the only account you have and you're on a night out? You can't buy another cocktail or even book an Uber home!

Sorry to hear about your issues with your bank and that it is taking them so long to resolve.

The problem with high street banks IMO is that fraud is so prevalent they are overly cautious. They are so overly cautious that they block a large % of perfectly genuinely transactions, and though blocking fraud transactions does help to protect customers as well as the banks ultimately it can lead to large inconveniences, particularly when blocking genuine transactions, such as the one that you have experienced. 

I had a credit card from one of the large high street banks and it was declined whilst abroad, calling in from abroad and waiting hours is not convenient for the end user. There are some advantages for paid premium accounts such as a dedicated telephone line but in the end I believe that the online only challenger banks are the best way to go. If needed, transactions can just be confirmed from within the app itself by FaceID, Touch ID etc (or similar biometrics) this is much easier for the end user. 

Any of these could be good to open: Monzo (the best app interface of any UK bank and the easiest to use IMO), Starling, Revolute.

Monzo and Starling the best IMO for whilst abroad, they both offer 0% foreign transactions fees 7 days a week with no mark up over the Mastercard rates. Starling has unlimited 0% cash withdrawals whilst abroad (but for day to day use I do recommend Monzo for their better app interface, so can even get both)

There are also other online challenger banks such as Chase, and Virgin, these are also worth considering they both have 0% foreign exchange fees on purchases. Virgin also offers unlimited 0% cash withdrawals whilst abroad with no requirements. 

Sorry to hear about your issues with your bank and that it is taking them so long to resolve.

The problem with high street banks IMO is that fraud is so prevalent they are overly cautious. They are so overly cautious that they block a large % of perfectly genuinely transactions, and though blocking fraud transactions does help to protect customers as well as the banks ultimately it can lead to large inconveniences, particularly when blocking genuine transactions, such as the one that you have experienced. 

I had a credit card from one of the large high street banks and it was declined whilst abroad, calling in from abroad and waiting hours is not convenient for the end user. There are some advantages for paid premium accounts such as a dedicated telephone line but in the end I believe that the online only challenger banks are the best way to go. If needed, transactions can just be confirmed from within the app itself by FaceID, Touch ID etc (or similar biometrics) this is much easier for the end user. 

Any of these could be good to open: Monzo (the best app interface of any UK bank and the easiest to use IMO), Starling, Revolute.

Monzo and Starling the best IMO for whilst abroad, they both offer 0% foreign transactions fees 7 days a week with no mark up over the Mastercard rates. Starling has unlimited 0% cash withdrawals whilst abroad (but for day to day use I do recommend Monzo for their better app interface, so can even get both)

There are also other online challenger banks such as Chase, and Virgin, these are also worth considering they both have 0% foreign exchange fees on purchases. Virgin also offers unlimited 0% cash withdrawals whilst abroad with no requirements. 

My bank kindly rejected a transfer I made (below £300) to another member for a coin. A simple fraud check.... No biggie.... You'd think!
I called to say it didn't go through, assumed they'd do a check, ask a few questions and then authorise it. But they said they needed 72 hours to look further in to it. They ask where I purchased the item (I guess when they heard it's a forum it'll set alarm bells ringing perhaps....)
I then called a few times over that 72h period pushing for answers (as I am not happy they've put a block on my account). I can make debit or credit card payments. I seem to be able to pay existing payees. But I can't do any new bank transfers as there is a block on my account until this is resolved. Each time I'm fobbed off "I can see they have taken some action on it but it's not completed yet" (what the hell does that mean?!) Luckily I'm at my spending limit anyway so won't be purchasing for a while - but it's the principle!
We are now at six days. Double the quoted time they said they would take to get back to me. I have made a formal complaint about that of course.
I'm livid that they are allowed to control the way I spend MY money for this long!
I'm guessing they are digging deep on this one by the sound of it (perhaps seeing that in recent times, instead of buying clothes from the internet, I have been paying various random people by bank transfer - which is going to look a bit dodge I guess!) So I'm predicting they'll question many payments/receipts etc. Fine. I've nothing to hide (but what an inconvenient waste of time and faff!)
So, have any of you had similar to this? What did you have to do? How long? etc
Also, if I have to provide proof of purchases, then most members (who are not businesses) of course don't supply invoices. So do I provide screen shots of the listing of any queried transactions? Along with copies of any correspondence messages for evidence? Is that adequate proof? Is that even allowed for the sake of GDPR?
I don't like this one bit!!!! I'm also going to change current account because of it (due to the unacceptable time they're taking), however I currently cannot even change banks while there's a block on my existing one!
 

I have locked this topic, but keeping it visible as @danieldorkins has written a good reply. 

It is believed that the topic was deliberately posted by the author so that a post by "another" user (which is hidden) could be posted with links to advertise their website, as to appear like a genuine recommendation from someone else rather than transparent marketing.
 

You sound a similar age to me, my little life story may help or guide.
........... I've posted my little how I got into gold story in prior years, but it seems relevant to this thread today. Here's it again 
 

     
 

    I'm 45 now and through my twenties, i guess I must have staked and wasted around £75k-£100k at a rough guess through bookies, FOBTs, online poker and land based casinos.
    
    
    
    Some good days but it all quickly went back as losings in the end.
    
    
    
    I went cold turkey at 30-31 and managed a few months until i relapsed again.
    
    
    
    Told myself never again.
    
    
    
    It was this time I found about gold, since 2008-2009 I have bought investment gold every month, a gold sovereign here, a half sovereign there, 1/2 oz on a good month, a full oz of fine gold when bonus from work.
    
    
    
    What this did was separate actual cash i could gamble and move it into another tangible thing with value that i couldn't easily spunk away or spend.
    
    
    
    Slowly but surely, my gold stack has grown, every month, as i would buy a another gold coin every fortnight or so.
    
    
    
    The ancient Aztecs called Gold 'the sweat of the sun'
    
    
    
    Blood, sweat, tears and toil getting it out of the ground.
    
    
    
    YOUR blood sweat and tears represents how hard you have worked to get this coin you now hold, and continue to hold ongoing.
    
    
    
    Your pile of gold increases monthly.
    
    
    
    Gold is also a little bit of a gamble, it will never go to zero, it has been money for 5,000+ years, and can also go up in value
    
    
    
    Currently im now VERY nicely up in £ terms if i chose to cash in and take some profits.
    
    
    
    A quote stuck with me quite prophetically, as i've never believed in loans or credit cards.
    
    
    
    “Gold is the money of kings, silver is the money of gentlemen, barter is the money of peasants – but debt is the money of slaves.” ― Norm Franz, Money & Wealth in the New Millennium: A Prophetic Guide to the New World Economic Order
    
    
    
    The bigger my gold stack grows the more satisfied I become and want more. A positive kind of addiction.
    
    
    
    I have not yet cashed in one single coin for gambling and my investment pile has grew.
    
    
    
    I have cashed gold in here on the forum and realized better than dealer prices to increase my business and expand/buy new vans/staff/tech
    
    
    
    This degree of separation that takes place between the gold coin and actual cash i can spunk gambling is awesome.
    
    
    
    Yet i know at a glance my total gold grams i have on any given day, and know how much it is worth should i cash in.
    
    
    
    When money is in a bank AC it is just like figures on a screen to me, cash in my hand just gambling token/betting voucher credits.
    
    
    
    I could never hold onto money while it was in a bank account, savings account would be were there for good intention but the money came out for gambling.
    
    
    
    Gold doesn't do that for me, the degree of separation between between the time and effort it takes to cash in a gold coin, packing posting, sending, waiting for bank transfer for payment etc. is a few days minimum.
    
    
    
    By which times my urge to gamble has long since past.
    
    
    
    whilst i will always have that gamble bug inside me, i cant extinguish that flame as i like to to take risks, i'm self employed and risk = reward. and i have done well working over the years.
    
    
    
    I still have my monthly little gamble, but as my priority with my spare cash is always to buy a minimum amount of gold, i'm never exposed to loose mega money EVER, fact these days, as the money isn't there because it has been converted from one asset class cash into another asset gold.
    
    
    
    The small amount i assign myself to have a gamble is minimal, £100 or £200 for a month. should i win, i actually treat myself to some more gold coins for my stack.
    
    
    
    With doing this approach and putting what used to be gambling stake money cash into gold, i've got my good nest egg of gold if i cashed it in from my safe deposit box.
    
    
    
    I purposely store the gold in a safety deposit centre in a city that is hours drive/train ride away to resist the sudden urge to gamble/cash in.
    
    
    
    A financial advisor would tell you it is stupid and daft to put all your eggs in one basket with one asset/investments, but to a gambler?
    
    
    
    would i sooner have this,  lots of gold is much better than having nothing at all, **** all to show for it - so it works for me
    
    
    
    Knowing this fall back of savings is there for any of lifes eventualities makes me sleep wonderfully at night.
    
    
    
    This approach may not be for everyone but if you can never hold onto money it has worked wonders for me.
    
    
    
    Sorry for the rambles length here today but to those nodding their head to this and this life course maybe sounds a familiar path to yours, if my narrative resonates with you, give gold a try. please try it, you might just like it, or start just buying gold with your big wins.
    
   https://www.thesilverforum.com/topic/32375-your-gold-story-how-it-happened/?do=findComment&comment=416089
 

     
 

     
 

     
 
https://www.thesilverforum.com/topic/60379-anyone-else-addicted-to-buying-gold/?do=findComment&comment=638451
 
I'm about 15 years into my stacking journey, ahead of you though