ShineyMagpie

Wisdom is so wasted on the old bruv

My physical silver owes me around £100 an ounce, so any 'exit' strategy there would have to be discussed with a proctologist.
Fortunately, my vaulted holdings are in the black and even with vaulting charges I seem to be able to turn a silver shilling, so to speak.
All told, a poor investment decision and with the discovery of milk spots, the silver collector in me has passed on. 

You're supposed to sell it as well???, I knew there was something I was missing........

Will do I'll pop over at some point this week, thanks for the help guys.

Pension contributions attract tax relief (extra money in) to your pension. You can deposit up to your annual salary amount, with a ceiling of around £40k PA. 
There is a lifetime allowance of just over 1 million £ for your pension pot before you pay additional taxes.
When you crystallise (start to drawdown) your pension, you can take 25% lump sum tax free. You can also take amounts tax free subject to the usual tax free thresholds. Currently around 12k PA.
Gold and other metals can be held within personal pensions via ETF , Royal Mint etc. 
Pensions are one of the best ways of growing wealth in the UK and the allowances are still fairly generous for most. 
 

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...

On the contrary, I personally think its excellent, one because I can see you have made a decent return and in 8 years time that should/could be me. I sincerely doubt that would put many if any off tbh.
obviously i wouldn't write this on your sales thread, but a few other reasons that spring to mind first. ( nothing bad in any sense ) just personally that if it were my coin... I'd take it out of the absolutely pointless upside down and heavily marked card, place in a nice capsule and state condition accurately and honestly. Then it will likely sell quickly. Currently it appears a lucky dip unfortunately. 
 
 
 

share a link here and get  free bump for your sale

Wonderful news. Up and Up is only a good thing. And for those who are annoyed because it means their targets are going to be hit, think about the long term and not short term. I saw a 1oz coin for sale on the sales threads the other day with the original Bairds invoice - it was under 900.00 GBP for the 1oz coin and it was bought in 2015. I know that gold is a fickle thing, but I really think that NO ONE can tell you where it is going, so you just have to buy when you have the money and maintain faith that it will rise (and hold tight [and continue to buy!] during the falls).
Cheers!!!

Oww very nice

£1537..... Well this is gonna mess up my buying targets for this year that’s for sure!!

Not always, but 90% of the time. 
Sometimes dealers have pre-owned and even new items, cheaper than the forum. Always worth doing due diligence before committing on here.
What's the benefit of the forum??
1) cheaper prices "mainly"
2) like minded folk who can help and point you in the right direction. 
3) you actually see what your buying on here, so no nasty surprises regarding condition. 
4) with over 18000 members who obviously have differing tastes, you will 9 times out of 10 find a very specific item on here, if you put up a wanted post.
5) interaction..you can learn a ton of information on here just by scrolling through previous threads, do get involved though as you have a part to play also.
Enjoy your journey and welcome aboard. 

https://www.ebay.co.uk/itm/204200128528
if anyone is interested - im not the seller 

😁feedback, items sold, totally agree. Do that if I go and look at the latest bin lord on here😮🤔

How could you do it if you never owned a tester?
Why do i do it? To put people's minds at ease, specifically new members who have yet to find their feet and become accustomed to testing the manual way...
Nobody's journey start's out perfect, and if more seasoned stacker's can alleviate fear in any way for the one's to follow us, then that's a win in my book.
Here's how I test everything ( then and only then does it reach the sigma)
1) Look and feel of item
2) magnet
3) weigh 
4) check diameter and thickness with digital callipers ( pull specs from manufacturers/mint)
5) ping test ( as long as it's not a proof)
6) bigger bars are going for a swim courtesy of a specific gravity test 
If I've gotten this far and passed all tests, then I'm in a good mood 🤣 then I will put it on the sigma as a final box ticking exercise. 
As I can't upload a documentary on me going through every step above, a picture on the sigma will have to suffice.
 
 

I've a few.
1) most important is to only buy from already proven "to me" trusted members/sellers. nothing personal, but sometimes I feel like I'm in the twilight zone on here.
2) continue the Tudor beast's in both 1/4 and 1oz
3) get more sovereigns to add variety. 
4) in-between times, I will ignore all of the above and do the opposite 😆 

You should seriously stop buy "half gold soveriegns". They should be 22ct, not 12ct!
😎

I would say there is potential to, also if you after something in particular or a certain year you can put up a wanted post here for it.

Hi guys, happy to be here and look forward to trading. Im new to stacking and have been only buying gold and silver online for the last few months so no expert at all. Watching as many youtube videos as I can and try to save some extra every month to buy some silver and gold.. I hope to gain some more coins, bars etc..Cheers guys...

I use tiny round stickers to do this, doesn't obscure the coin at all and no permanent mark should I want to remove. Then same principle write number on stickers which corresponding ledger

I think as others have said nice souvenir from holiday and quite literally worth there weight in metel alone (well close enough 😉)

I use tiny round stickers to do this, doesn't obscure the coin at all and no permanent mark should I want to remove. Then same principle write number on stickers which corresponding ledger

Quadrum cases are lovely for gold coins. My storage preference.  Uniform size and can have 1/20s to 1oz
all displayed nice 
Also helps sorting and storage with the being square 
Try them from seller andy_jack on eBay or direct from their web site coingallery.co.uk 
Label them using a standard 99012 dymo label with dymo labelwriter 450 Duo. The width is perfect size for quadrum 
You can fit coin type, gold weight, date and price paid
 

@Paul has/had a very simple but clever way of doing it. Using slabs with built-in labels. I will try and find the thread and put it in here.

It will be a lot higher than 32, it was just a joke that no one wants them and they had a lower mintage anyway.
But theoretically, if there was only 32, and knowing royal mints quality control issue, a pf70 would probably do well