FlorinCollector

A super big thank you to @James32 for this little haul, and a few added pieces which so kind despite my bank being a nightmare transferring funds. Another great asset to TSF community.

Today's parcel collection 😍

They have been selling on average here in the UK for £700 including completer coin (11 coins total with a display box)
So I'd imagine somewhere between $800/$850 would be achievable in the US.. maybe slightly more due to being non native coins. 

I feel this advice is going to age poorly. Don’t own cash currently. Really?

Sorry, but i couldn;'t resist posting another pic of the dice from @BackyardBullion
(other alcoholic beverages are available!)
 

Actually pretty buzzing. The only way must be up. Hoping to pick up some sovereigns at these lower prices but I’ll be trying pawn shops and scrap gold dealers as they can set prices on the spot usually just a few % over spot and can be negotiated 

I have read this a few times,  I did exactly the opposite that you are proposing, I did not over pay into a pension, i overpaid my mortgage while it was cheep……for me the whole idea of paying all my savings to someone then they can tell me how much I can have is just an insane concept.  AKA a pension.
 
Id rather own my property out right before I was 40 and have zero debt, and then use a few years to hard save.  Allowing for inflation for enough saved to last the next 25 years and with higher interests rates on my ISA’s I’m laughing, holding cash does not cost me anywhere close to 10% per year as I have very little exposure to inflation, no mortgage, free heating, can cook/bake on £90 per months for 2 if I have to, and only do about 3000 miles a year in my car, can get this down to sub 2000 miles if I cycle a bit more.  Even with the crazy hikes up prices of energy it only £108 per month and I’m well over paying and getting into credit every month, my mates bill is £420 per month so it’s a case how well you can manage your exposure to inflation that will determine how much it your cash savings you will lose if any……….at 4.6% fixed for 2 years on my isa is covering almost all my fixed outgoings per year council tax, energy, food, if you are not paying a mortgage and income off other investments cover your fixed out goings I consider that a fantastic proposition for anyone. 
 
paying pensions is just handing other people control of  your wealth and keeps you turning up to that job for 50 years. 

Mate if you are in your 30’s you will never see a return on what you have paid in to your pension all your life, you will have to live to 84 just to break even if you are lucky.  
 
I paid my mortgage off before I was 38, the best decision I ever made, I’m 46 now and not really worked for the last 3 years, and have savings around 17 years out goings allowing for inflation and interest rates are in the up🤗 
 
The dream of a pension keeps you turning up to work every Monday morning, 

@LawrenceChard that was beautiful and very uncharacteristically straightforward for you. I'm sitting here feeling all warm and fuzzy with pride ( possibility it could be high blood pressure though) 😅 
@RRH87 you won't go far wrong following @MonkeysUncle or  Lawrence's advice, the latter has been handling sovereigns since they had a 50 pence face value. 
Only thing I will add is.. never try and time the market, spread your buying out over the year ( little and semi often will keep you right) this way you will cost average yourself into a healthier position longterm. 

If you're thinking of bullion coins then you're spot on on all counts 
Proofs however are limited quantities and sell out quickly. 

Majority of the gold stack. My other deposit box doesn't have quite as much although it's catching  

Some very impressive stacks on here.
Here's my collection, started this year after cycling out of crypto. Got a 5Kg bar currently on order and then I'm done.

If i do owe any feedback it will be a tenner a pop folks

Yeh i always let a buyer know it has arrived or give tracking for a seller I am just not good on my after sale care feedback lol

I will admit I am bad for leaving feedback. Sorry guys I will try improve
but I just hate trying to find the topic again

This one looks good🤩, that's my wife's Christmas gift. If she don't like it, I'll take care of it. 
What's announced for Tuesday's queue?

Non precious metals?……..so that’s anywhere in the Silver section😂😂😂

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. 
 

Personally if I was you I would look into doing additional things in your spare time to make extra money. 
I used to purchase things, refurbish them and then sell them for a premium. I ended up making more doing that than I did in my PAYE job so I went full time into that. Once that business was successful and on good financial standings i invested part of the profits into property with residential buy to lets and flipping. Now I've moved more towards commercial industrial units (like a lot of pension companies do).

Just look at all the details with those lifetime ISA's the 25% is not for the total term time so do your sums.   If you need the cash for any reason check to see how much you lose. 
Normal cash ISA's are paying ok ish returns only fixed for 2 years, and with the likely rates set to increase on the 3rd November we could see over 5% returns, for me at 9% returns on my savings I don't need to work.   I have one ISA maturing this month for around 26-27k I'm just holding off fixing that one for a month or two just incase I can get over 5.5% ish on that one 3k return for fixing that one for 2 years  is not too bad it will cover the council tax for about the same period so I look at that as free council tax for 2 years. 
I have another isa that is fixed until early 2023 and if the interest rates go the right way I should be sitting pretty, about time savers got some half decent returns. 
 

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. 

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. 
 

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. 

So, my views are evolving a bit. At the moment I've got a little under 100oz of silver and about 2oz of gold in sovs and a fractional bar.  For the rest of the year, my stacking goals are a couple of sovs each month for Nov-Dec and a bit of silver - TB Yales, and some of the Germania 2022 offerings coming out - Knights and Enchanted Forest.
Stacking goals for 2023 - aiming somewhere about 4-5oz in total with some combination of:
Finish off a tube of sovereigns and probably start another with 1-2 sovs per month. Maybe get some bigger items - one or two 1oz Brits, or maybe a double sov or half-ounce coin if it comes up at the right price. Keep a weather eye out for small gold purchases - 1/2 sovs, 1/4 and 1/10oz coins if they come up at the right price.  Spreads on these mean they're usually not worth getting from dealers but they seem to come up at viable prices on the secondary market quite often. Try my hand at some auctions and see how well that actually works. Some collectable silver - Mainly RM, Perth Mint and Germania. Long term - 5 year horizon is to accumulate 20oz or thereabouts plus some silver, maybe 200-250oz in total with an emphasis on collectibles.  Maybe the odd tube of brits or 1kg bar if they come at the right time/price.  I think it's better to stick to individual items small enough to be liquid on the secondary market by and large.

Yes