Pete

It is all about your attitude to risk.
When inflation is higher than the interest rates on cash savings you are steadily eroding the value of your savings.
In an ISA any growth is free of income tax but what use is that when your bucket has a hole in it and your money is dripping out ?
Provided you are investing surplus cash and have a reserve for emergencies then what I would do ( this is my personal viewpoint and not financial advice ) is to feed a stocks & shares ISA using an online platform like Hargreaves Lansdown. You can follow some of their suggested investment portfolios or just keep it simple and put your money into a tracker like the FTSE 100. Look at the charts over 5 and 10 years and don't get overly focussed on weekly or monthly charts as picking peaks and troughs doesn't work.
Secondly, assuming you are a tax payer, consider opening up a SIPP also with HL if you wish.
You will get tax relief on your investments so the amount invested increases by 20% or more and again you have full control over your selection of funds.
Choose in both cases well known funds and not individual shares unless you wish to try this - I don't recommend from past experience.
UK Equities or trackers with all dividends reinvested and funds that have valuations of over £1 billion are possibly your safest bet.

The nice thing about most funds is the buy and sell prices are the same so should you choose to switch funds you are not paying a percentage in fees each time.
Trading on-line with HL gives you real time prices and monitoring of your portfolio daily.
Switching and buying / selling funds or percentages of funds takes a couple of clicks and it's done.
 
 

Good prices - I paid more for mine and I though I had a bargain at the time !

Never been asked by any of the bullion dealers.
They just weigh it and pay cash.
 

Never been asked by any of the bullion dealers.
They just weigh it and pay cash.
 

This ad mirrors most things these days with the magic word "FROM".
It's only when you add an item to your basket does the headline grabbing bargain fade into oblivion.

This ad mirrors most things these days with the magic word "FROM".
It's only when you add an item to your basket does the headline grabbing bargain fade into oblivion.

I have seen the early QBs attract these prices and gradually the next one in the series rapidly follows.
This is purely down to supply and demand.
The first coin, the Lion rose to these heights, followed by the Griffin even higher, but then I've seen dips later.
I haven't checked prices recently.
I think I have a spare Unicorn in my collection that I might release to pay for energy !

This ad mirrors most things these days with the magic word "FROM".
It's only when you add an item to your basket does the headline grabbing bargain fade into oblivion.

I have seen the early QBs attract these prices and gradually the next one in the series rapidly follows.
This is purely down to supply and demand.
The first coin, the Lion rose to these heights, followed by the Griffin even higher, but then I've seen dips later.
I haven't checked prices recently.
I think I have a spare Unicorn in my collection that I might release to pay for energy !

This is shocking to read and must be traumatic especially at how eBay reacted so swiftly in favour of the buyer, without I assume, any in-depth investigation.
If an employee of this firm succeeded in using Company funds illegally then that has to be dealt with internally by the Company.
Someone in the Company has accepted the package and given it to someone so the culprit ought to be easily identified by following the coin - surely !
You should obtain a crime report by contacting the police but also write ( email ) to the Company director(s).
You should not be liable at all so carefully follow all the steps in the correct order to recover your loss.
Perhaps also consider contacting the Sun on-line newspaper to highlight how easily this fraud/crime took place as helpful for all other sellers on eBay.
Definitely puts me off considering selling anything of value in future.
I wish you every success in recovering your loss and I know how sick you must feel having myself dealt with eBay disputes several years ago.

When the Royal Mint issued its first runs of this coin in these flimsy sheets it was almost impossible to obtain a coin that didn't have lots of abrasions on Lizzie's cheek.
I bought around 100 coins and might have seen 2 that were acceptable.
Some regular coin dealers on eBay were even adding a disclaimer in their description warning of significant abrasions - think of ice hockey at the goalie.
Really shocking quality and compounded when many people ( lemmings copy & paste ) blamed the scuffs as rubbing inside the tube.
Ha - total bollocks when you have each coin in its own cell in a flimsy plastic sheet.
The scuffs were attributed to a hopper feed that was causing severe abrasions.
Later in the year the quality improved, meaning acceptable, but not necessarily scratch free.
The mirror polish highlighted all imperfections.

What are the risks of getting the ‘value delivered to the United Kingdom’ figure wrong? 
UNDER-DECLARING
If you under-declare the value of your goods, or if you incorrectly claim a preferential rate, you are technically defrauding HMRC, which is a civil infringement. Although you may not be smuggling goods into the UK, you are failing to pay the money owed, and this can attract civil penalties from HMRC.  As strange as it may sound, the worst offences can become criminal prosecutions. 
 
 

I came across this video that might interest those who are worried about where to hide their loot or maybe don't have a safe.
https://fb.watch/jeY7sL0rPh/
Just look out for hidden cables and pipes or it can be expensive.

I came across this video that might interest those who are worried about where to hide their loot or maybe don't have a safe.
https://fb.watch/jeY7sL0rPh/
Just look out for hidden cables and pipes or it can be expensive.

I came across this video that might interest those who are worried about where to hide their loot or maybe don't have a safe.
https://fb.watch/jeY7sL0rPh/
Just look out for hidden cables and pipes or it can be expensive.

I came across this video that might interest those who are worried about where to hide their loot or maybe don't have a safe.
https://fb.watch/jeY7sL0rPh/
Just look out for hidden cables and pipes or it can be expensive.

I am sure a lot of old-timers ( I include myself ) are less concerned about paying tax on capital gains - more looking for ways to offset capital losses if selling their silver now. Remember spot at round £30 and the scramble to buy anything that was on the shelves as silver was forecasted to be heading so much higher. 

Checking sales of coins on eBay you often find those that start at a low initial price say £1 tend to attract many more bids and very often sell at higher prices than identical coins starting say at £20.
The risk of course is that on the day you might on rare occasions be unlucky but if you want £35 for a coin you are more likely to get this listing at £1 than £20 assuming the average price ( check sold history ) for that specific coin is £35.  Fees will take away around 13% but if you get a seller offer that could be reduced to £1 or 2.5% approx.

Selling through @BackyardBullion seems a good option for you as he has an excellent reputation and considering the time involved in processing an order his fee is low.
Most forum members tend to be pretty clued up on prices and are always seeking good deals.
It is frustrating when you cannot get the price you believe something is worth or compared to what you once paid for it.
Often some sellers on eBay ( coin shop style ) often get much higher prices than average Jo probably due to trust and a degree of comfort buying from them.
I believe many people would pay a bit more buying from @BackyardBullion knowing he is trustworthy rather than risking buying from a total unknown seller.
Hope this helps.
 

Checking sales of coins on eBay you often find those that start at a low initial price say £1 tend to attract many more bids and very often sell at higher prices than identical coins starting say at £20.
The risk of course is that on the day you might on rare occasions be unlucky but if you want £35 for a coin you are more likely to get this listing at £1 than £20 assuming the average price ( check sold history ) for that specific coin is £35.  Fees will take away around 13% but if you get a seller offer that could be reduced to £1 or 2.5% approx.

Selling through @BackyardBullion seems a good option for you as he has an excellent reputation and considering the time involved in processing an order his fee is low.
Most forum members tend to be pretty clued up on prices and are always seeking good deals.
It is frustrating when you cannot get the price you believe something is worth or compared to what you once paid for it.
Often some sellers on eBay ( coin shop style ) often get much higher prices than average Jo probably due to trust and a degree of comfort buying from them.
I believe many people would pay a bit more buying from @BackyardBullion knowing he is trustworthy rather than risking buying from a total unknown seller.
Hope this helps.
 

The great Greek philosopher "Testi-cleese" said if inflation is 10% that means everything costs 10% more, but in reality it is just the value of your denarius aureus that has dropped.
Therefore gold, silver will not rise in value but will increase in numerical quanta because your dinari has been devalued.
Some might argue that this sounds like a "load of bollocks".

The great Greek philosopher "Testi-cleese" said if inflation is 10% that means everything costs 10% more, but in reality it is just the value of your denarius aureus that has dropped.
Therefore gold, silver will not rise in value but will increase in numerical quanta because your dinari has been devalued.
Some might argue that this sounds like a "load of bollocks".

Checking sales of coins on eBay you often find those that start at a low initial price say £1 tend to attract many more bids and very often sell at higher prices than identical coins starting say at £20.
The risk of course is that on the day you might on rare occasions be unlucky but if you want £35 for a coin you are more likely to get this listing at £1 than £20 assuming the average price ( check sold history ) for that specific coin is £35.  Fees will take away around 13% but if you get a seller offer that could be reduced to £1 or 2.5% approx.

Selling through @BackyardBullion seems a good option for you as he has an excellent reputation and considering the time involved in processing an order his fee is low.
Most forum members tend to be pretty clued up on prices and are always seeking good deals.
It is frustrating when you cannot get the price you believe something is worth or compared to what you once paid for it.
Often some sellers on eBay ( coin shop style ) often get much higher prices than average Jo probably due to trust and a degree of comfort buying from them.
I believe many people would pay a bit more buying from @BackyardBullion knowing he is trustworthy rather than risking buying from a total unknown seller.
Hope this helps.
 

The great Greek philosopher "Testi-cleese" said if inflation is 10% that means everything costs 10% more, but in reality it is just the value of your denarius aureus that has dropped.
Therefore gold, silver will not rise in value but will increase in numerical quanta because your dinari has been devalued.
Some might argue that this sounds like a "load of bollocks".

The great Greek philosopher "Testi-cleese" said if inflation is 10% that means everything costs 10% more, but in reality it is just the value of your denarius aureus that has dropped.
Therefore gold, silver will not rise in value but will increase in numerical quanta because your dinari has been devalued.
Some might argue that this sounds like a "load of bollocks".

Checking sales of coins on eBay you often find those that start at a low initial price say £1 tend to attract many more bids and very often sell at higher prices than identical coins starting say at £20.
The risk of course is that on the day you might on rare occasions be unlucky but if you want £35 for a coin you are more likely to get this listing at £1 than £20 assuming the average price ( check sold history ) for that specific coin is £35.  Fees will take away around 13% but if you get a seller offer that could be reduced to £1 or 2.5% approx.

Selling through @BackyardBullion seems a good option for you as he has an excellent reputation and considering the time involved in processing an order his fee is low.
Most forum members tend to be pretty clued up on prices and are always seeking good deals.
It is frustrating when you cannot get the price you believe something is worth or compared to what you once paid for it.
Often some sellers on eBay ( coin shop style ) often get much higher prices than average Jo probably due to trust and a degree of comfort buying from them.
I believe many people would pay a bit more buying from @BackyardBullion knowing he is trustworthy rather than risking buying from a total unknown seller.
Hope this helps.