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  1. I suspect you might get a 'details' grade because of the scratches. If it was my coin, I wouldn't send it for grading and would just enjoy it in the raw, appreciating its age, history and the various hands it must have passed through over the last two centuries.
  2. It's a pity about the scratches in the obverse field, and it may have been slightly polished (hard to tell from the photos) but in UK Grading terms I'd say it's about EF for wear. In NGC grading terms, I'd put it somewhere around AU55 to AU58. Just my opinion, obviously 😊
  3. Royal Mint Bullion does occasionally have cheaper prices for certain coins than the likes of Atkinsons. The most recent case in point from my perspective was the 1/4 oz Gold Lunar Monkeys that they were selling in March to May (now sold out). I bought one for £256 in March. But most of the time Atkinsons are cheaper, and Bullion By Post are usually cheaper too (but generally a little more expensive than Atkinsons). I have found the service from both these companies to be excellent, and I prefer to deal with them than with RMB - I really don't like their web ordering process and I also prefer UK deliveries by Royal Mail rather than a third party courier (RMB use DHL I think, for most of their gold sales). For silver if you prefer to buy from the UK and are 'happy' to suffer the VAT, I have found SilverStan and Silver-Trader to be most competitive (usually better than Atkinsons) if you just want the odd small piece or two. I don't buy enough physical silver to worry too much about the price - the stuff I do buy is to keep for pleasure.
  4. To the OP - it sounds as if you have built some excellent foundations already and have got your head screwed on very well. I'd echo the advice already given to put money into your pension, especially if you can contribute to a workplace pension and even more especially if/when you are a higher rate taxpayer. This will build you an even more solid foundation for retirement. At 27, you can afford to take a pretty high degree of risk with these investments for the next 25-ish years, so be aggressive with your choices here (i.e. buy things that other people currently want to sell, or which appear to be priced at an undervalue - see the Woodford example above). I'd be investing in the UK, Europe and Asia now with any new money. Otherwise, the best general advice is always try to live within your means, and maintain the discipline of putting away some of your spare money each year. I have been doing this for about 25 years now and have about 9 times my annual salary invested at the moment across my ISA, SIPP, cash savings and physical PMs as a result of these actions, plus 13 years worth of contributions to a frozen final salary pension and 30 years of UK State Pension contributions (I am 50 years old). Try not to worry about short or medium term market swings. Invest regularly if you can, but gain enough knowledge so that you can buy a bit more than usual on any market dips. To that end, try to maintain a cash savings balance of up to 1 year's worth of living expenses if you can. I currently have about 2 years' worth in cash, but my income has historically been a bit less stable than many people's. Good luck 😋
  5. Agree with Fastnick about the challenges. However sad in the short term for the RM workers, I do think that the RM operations should be scaled back significantly if the demand for coins goes down, rather than for it to keep producing its current, shameless, 'products'. In answer to the original question - I suspect that only a sovereign completist collector would even countenance forking out such a sum, and it's only because the coin fills a very tricky gap in their collection. 100 grand buys a lot of pleasure elsewhere 😋
  6. Marmite on crumpets for the win! Wearing a tweed suit whilst watching the cricket, of course...
  7. [Rant] Just say no! These offers just depress me, regarding how far the Royal Mint is prostituting itself producing what (to me) is either tawdry tat, or stuff they have no business doing at all. The only one of those offers that I would even vaguely consider is the 15% off the 50 years of the 50p set. As for the rest... [/Rant] 😁
  8. It looks like a seagull has done a poo on his hair!
  9. I'd definitely cash in the Kew Gardens coin unless you wanted to keep it for your own pleasure. The popularity of 50p coins is very high at the moment in my opinion and this may not be the case in say 5 years' time. Half sovs will always be worth bullion value, at least.
  10. If you're in a country with no sales taxes on any of the PMs, today I would buy 20% in Gold, 40% in Silver and 40% in Platinum. 1oz coins rather than bars. In the UK I would put the vast majority into physical gold coins, either bullion sovereigns or 1oz Britannias with some current-release QBs and the Royal Arms coin for a bit of variety. I would buy a 10oz UK silver coin and a 10oz Britannia silver bar for a bit of shiny physical silver to enjoy for pleasure. If you're happy stacking virtually rather than physically I'd do the similar 20/40/40 split as above but use Exchange Traded Funds.
  11. Stuntman

    Negative Premium

    ^^^ In which case, you would stop thinking of it as a coin, and just sell it as scrap gold to a bullion dealer for at least 98% of spot.
  12. These have been good value from RMB for the last couple of months. I bought one in March. I am a Lunar Monkey, and had already bought the 1oz version in both Gold and Silver a couple of years ago 😊
  13. @vand I'm with Hargreaves Lansdown. I've got the iShares physical Gold fund (SGLN) in my ISA, and the iShares physical Silver and physical Platinum funds SSLN and SPLT) in my SIPP.
  14. I just bought a bit more in my SIPP, in the iShares Physical Platinum ETC Fund.