watchesandwhisky

I just went and thumbs up that comment, need to get the word out! 

Yeah, £725 for a quarter ounce? good luck ever seeing any sort of return on that! 

11 minutes ago, James32 said:

Must check bank 😆 

Yep, id have been waiting a long time had I not done!

My refund is now processed, but only after I phoned and complained I hadn't received it for 7 working days - turns out "something went wrong" with the refund and they then did it manual. 

Call my cynical but with interest rates where they are just holding on to customers fund for a week or two adds up with the sums we are talking... For months at a time with no product even more so.

Service from them has been shocking, QC has become a joke, and the prices and premium are just to such a point now that I don't see how they will every be profitable. And I guess that's key, Maybe that's my problem, maybe I am just not a collector anymore

I hate to say it but I am done with the royal mint. 

I will still enjoy the release threads and the mad anticipation when getting queue numbers, and the trials and tribulations afterwards seeing what actually turns up and if its fit for purpose! 

But for me my collecting days are over. 

Bullion however .... 

Amazing!, thanks for sharing these. 

7 minutes ago, SiCole said:

I was told week 1 or 2 Jan yesterday so i think its all guess work tbh. Be lots of lovely cancellations soon  

I cancelled my 4 coin set a few days ago,  sick of the waiting from the mint, the potential QC issues - this years price rises and mintage was enough for me to say enoughs enough😐

£350 quid more than the 4 coin jubilee set. 

No doubt they will be stunning coins if you get a good set. But I question the resale potential now and I can only justify paying such premiums if I at least think I can profit at some point. For me its too much this year.

I was fortunate that I sold out of 80% of my bitcoin at 55k dollars btc to put down a sizable deposit on a flat - the remaining 20% is pure profit but has tanked hard as would be expected. 

But I am not selling, and have no panic. Bitcoin I do feel will come back with a vengeance and when it does it will go to six figures upwards. 

got conformation for the 4 coin set, turned down a five coin I think as nice as they are logistically selling them in future could be a bit more of a ball ache due to the values.

Think I got the 4 coin set, cant now get onto my orders...

Id pay to rent a sigma for the weekend, maybe £50 all in. 

The lifetime ISA pays 25% extra on top of deposit within a couple of months, the early withdraw fee is 25% (but ends up being more than the initial deposit due to being 25% of the total with bonus). 100% tax free lump sum at 60 but can only pay into it until I am 50. 

I can certainly try to do extras in free time, but I already do a ton of overtime at work and usually work 55 hours a week roughly.  So free time is already limited.

20 minutes ago, FlorinCollector said:

You have come a long way in such a short time mate. Well done. Don't have all the answers but anything over the match I don't see the point. In the future your money will be worth even less and most likely in a higher tax environment. I am 26, I got to £10k in my pension. I now do not contribute anything to it. 

I think paying off the home is a big one that makes the most sense. Then you can continue to build wealth with no debt and no stress of a higher rate environment for a long period of time. Nobody knows how bad it can get. 

 

Thanks mate! Its mad to think I had nothing last November accept 25k in bitcoin, selling at about 57k per coin was as of now the best financial decisions I have ever made.. Landing the job made me realise how much work I have to put in to bring home that wage and that made me realise I needed to sell my bitcoin - at the time I felt it was my only chance of getting on the property ladder. 

Matching the 10% from the company would seem to be the best option,  with hard work then I can still clear the mortgage in the 10 year time frame. 

I do online surveys in my spare time when available on a site called prolific, hit a record of £18 yesterday and took about 2 hours. A bit time consuming but worth it as a sideline. 

My plan was along the lines of your sugestion, put it into a lifetime ISA for a tax free withdraw in 21 years time, get a nice 25% bonus too add to it too. 

Coming back to this topic, my estimates weren't a million miles away, water and sewage cheaper, electricity a lot cheaper even at a new high fix! (90 a month) shopping underestimated thats about £200.

Things have been going well and I have made £3500 in overpayments so far. 

My pension is sitting at £1400 now, at nearly 40 this is pretty scary... up until now I have been on basic workplace pension (i put in 5% + 1% AVC, company puts in 3% (i have changed it from the default "10 year life Strat" too 100% equity.. 

as of the 6th of December I have been there a year, and I will get 10% from the company, with the option to raise my additional voluntary contributions , im going to put my 6% upto 10% meaning I get 20% of my basic wage going into a pension. 

My mortgage fix of ten years at 2.59% is now looking like a solid move, But I am aware that will pass sooner than it might seem, and unless I make overpayments there will still be significant debt owing at the next fix that is highly likely to be a lot less favourable. I currently own approx 30% of my property.

I am torn, should I up my AVC on pensions, to maybe a total of 15/20% payment from me to go with 10% from employer -  to try and catch up somewhat to where I should be. Or just raise my contributions to 10% and anything spare overpay mortgage? 

I am aware my pension needs time to grow, and what I put in now can have 28 years of compound growth still, but that dwindles by each year that passes, however at the same time that new mortgage fix moves a year closer...

Its temporary, and should even out when the market stabilises. Premiums on sovs should be about 3.5 - 4% ish and 1 oz brits should be 2.5% 

15 minutes ago, paulmerton said:

... don't exist!

Sounds like the BBC "detector" vans, a load of rubbish! 

Welcome to the forum! 

I have seen others complaining about this, I believe it is ebay glitch and soon to be fixed (though being ebay who knows how long that will take!) 

I think royal mail are soon going to be trialing postmen packing parcels too, what next maybe we pop in and do a bit of cleaning? 🤣

I prefer the tarnished look! 

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