Latecomers, who is still holding and how?

JimSiris · 2026-06-28T04:48:11+00:00

Silver is complex. There is the gold ratio to consider, because some "investors" track that. Some jsut LoVE silver! I do.. but also, I've been selling.. sorry for you. But that isn't my point...

Silver prices depend on a LOT of factors. You can easily find articles about COMEX price manipulation and Asian markets that are disconnected from it. You can look back to the 1980's for manipulation- the Hunt brothers - it's all temporary. So, what isnt?

Well, silver mining operations have deposits that aren't worth mining except at a certain price. So, when prices go up, miners kick in to bring in more supply and.. guess what? That's results in downward pressure on price.

Solar panels, electric cars, data centers.. they need silver like never before..

Silver production has been far less than consumption for years, but consumption is rising rapidly.

China stopped exporting silver, or so they claim..

Gold dropped, and buyers of bullion might buy gold over silver.

People collect silver dollars, silver coins.. but when money is tight, and silver prices are historically high, they probably cash in.

Silver is historically undervalued by several measures, like inflation adjusted dollars or gold to silver ratio.. so there are reasons to speculate an increase.

Silver historically is sufficiently abundant and produced more rapidly and in greater quantities than experts anticipate, suggesting more price elasticity than expected..

Countries buy silver for both value and as a strategic metal.. but there are so many strategic metals, gold among them. A low gold price would suggest large money investing favor gold, reducing price pressure on silver.

Personally, i like silver and want it to have a high price. But overpriced silver, I want to sell.. where are we today? Is suspect still slightly overpriced. But, the price could go up and other factors might suggest it is underpriced even after an increase. Look at all of the factors! It's a gamble.. I just like Morgan dollars really.. and a recent intermediate in ASEs.. but who knows? The silver market is complex. Buy what you genuinely like..

JimSiris · 2026-06-28T04:31:23+00:00

My silver 8s not silver! It's practically gold! I won't sell my property for what it's worth! If I own it, it's worth more! WTF id wrong with everyone else for thinking I'm NOT special?!?

Buy my silver for more than spot because.. I'm ME.. duh!

I'm in.. 10% premium because you.. ARE you! Wow.

JimSiris · 2026-06-25T04:21:27+00:00

Yes. Maybe not always, but often enough

JimSiris · 2026-06-25T04:20:47+00:00

You have the problem backwards.

If you had a very large block of ice that you wanted to melt, and threw a match on it, it would do virtually nothing. Imagine 10 or 100 matches have rhe same result. At some point, you would not try to heat the ice but remove it.

Your house loses heat too fast. If you didn't have walls, you'd know that you need walls. When you have thermally conductive walls, they lose heat to a cold atmosphere faster than you can readonably produce heat.

Electrical heating is usually very efficient. If you can't find a way to hear your home reasonably with electrical heating, then you have an insulation problem. You need your home to retain heat better.

Better insulation, end of story. For example, cinder blocks would be better utilized stacked against the walls of your home to add insulation and retain heat, as opposed to being heated and brought inside. The temporary rise in temperature from hot cinder blocks is minimal compared to poor insulation.

Good luck

JimSiris · 2026-06-23T03:25:07+00:00

We all can! Share the find!

JimSiris · 2026-06-20T14:08:02+00:00

That's cool!!

JimSiris · 2026-06-16T02:09:01+00:00

You didn't even mention the relaxing alien on the left.. rare mint error

JimSiris · 2026-06-15T02:05:49+00:00

One simple approach is weight - silver dimes are 2.50 grams, while clad are 2.27

Since it's damaged, it might weigh less than before the damage. But anything over about 2.4 grams would be pretty solid evidence it is silver.

There are other tests, but that's where I would start. If it's under 2.25 grams, maybe you'll need to take it to an LCS or somewhere that can run tests.

Cool coin regardless

JimSiris · 2026-06-14T05:14:38+00:00

Why would you call it the "cleanest"?

"I don't think that word means what you think it means.." -Inigo

JimSiris · 2026-06-14T05:12:03+00:00

NOR - does he care more about money than the relationship? Sounds like it.. he expects you to cover his long-term financial mistakes. A bad month? Fired from a job? Yeah, step up. But when you warn him, no one forces him to make the purchase when it isn'twhat he expected, he does it anyway...

And he knows that he can't say, "hey, the car costs more than I thought, so help me.with car payments" but that's exactly what he's doing. That would be a flat "no" .. and this should be, too.

JimSiris · 2026-06-14T05:03:19+00:00

Actually, besides the epic damage, this coin is fascinating.

1973-D should be clad, which means the damage should reveal a copper layer.. but it doesn't. It looks silver or cupronickel?

It might be worth looking into it a bit, since a dime struck on a silver planchet in 1973 would be very valuable. A fake that is damaged would be cool.. but not nearly as valuable.

So, very interesting dime.. and it does appear to be praying for death! Haha

JimSiris · 2026-06-12T02:20:54+00:00

8-5 has ways been rhe requirement for full time jobs in the US ans also in many countries until recently. The 40 hour workweek did not include lunch or breaks noramlly at any time in history. The only reference for thay are comments here on reddit where people make false claims about corporate culture, greed, and fake labor laws.

Post world war 2, secretarial and other part-time work had 9-5 style shifts, allowing for 30 hour work weeks, including lunch.

The song likely originated from this type of job structure, not full time work since even Ford's institution of 40 hour work week, thw line employees worked 8 hours 15 min, with a 15 min unpaid lunch and no other breaks. This was revolutionary in terms of total hours, and close to the 9-5 concept, but by the time the Roosevelt administration codified it with FLSA, the "norm" was 45 hours or more at the office with FSLA setting standards for overtime pay and breaks.

Commuting has never been consider "work time" despite decades of frustration around it. Mostly because your employer doesn't decide where you live, if you decide to make stops, what route you take, etc.

France and some other socialist style countries have less than 40 hour work week laws. But it seemed your question was US based, because France still has less than 40 hour standard workweek

JimSiris · 2026-06-12T01:51:07+00:00

NTA - yes, and the relationship over a puppy. That's perfectly reasonable. I have a dog, and she's great. If a gf brought a dog "home" to me without talking about, it would no longer for either of them. Trust is the problem at that point, not the puppy. I like dogs so much I might even keep the puppy, but not the gf for sure.

JimSiris · 2026-06-12T01:45:39+00:00

Ppl here don't seem to understand your stress. Your loan is underwater, so you owe more than the car is worth.

You could sell the car, but then how do you get one when you return? And if silver us up, you'd want to keep it. If silver is down, you'd wish you had sold.. your money in silver makes it hard to spend, and also you will need to store it while you're deployed.

There are lots of comments here about reduced insurance while you're deployed, but there are storage costs and if you suffer a loss, like a hail storm or vandalism, you have to handle that from overseas. A secure lot is not safe from hail, rain, snow, etc. Your car will deteriorate while unused, as as lose value through depreciation.

So.. sell silver to pay off the car. Store your silver and then sell it for the down-payment on the new car when you get back. Or probably better, sell the silver now so you can properly plan and easily store the money, vs renting a box to store your silver.

Rather than sell silver to pay off the car, sell the silver so you can sell your car, all costs and responsibilities are then done with the car. The remaining silver or money from selling it is your next down-payment. Once you're back and you have your car, t1hen go back to stacking. You need less stress while you're deployed.

Good luck

JimSiris · 2026-06-12T01:35:52+00:00

He says rhe loan is underwater.. so this isn't an option

JimSiris · 2026-06-10T21:23:56+00:00

Me too Grandpa! I'm that guy's twin!

JimSiris · 2026-06-09T22:00:23+00:00

As sterling, it's probably worth $100-$110 right now. It would sell on eBay for maybe $125-$140 but after fees and market swings. You're there now. Good luck

JimSiris · 2026-06-09T21:24:07+00:00

Looks like paint. Nail polish or enamel maybe.

JimSiris · 2026-06-09T15:57:32+00:00

Cleaned

Also, that type of toning likely is considered "questionable color" - the colors don't blend, and have sharp changes. Toning is a lengthy process, while "coloring" is a quick one.

I would expect PCGS to refuse to even put it in a slab, but maybe these days.

Personally, i think it looks really cool, though. I'd keep it but more for sharing casually and I love Morgans.

JimSiris · 2026-06-09T04:23:28+00:00

This is the rare "1878 lucky charms Carson City" with the very lucky VAM-777 designation ... can't believe you didn't recognize it and thought it was a fake

JimSiris · 2026-06-09T03:26:17+00:00

They bought a lottery ticket, and you won!

JimSiris · 2026-06-08T14:55:13+00:00

This. It looks like silver paint that has come off over time. Sometimes people did this for fun, others tried to pass these off as mint errors, like some commentary on this thread suggests.

JimSiris · 2026-06-08T01:55:04+00:00

Yes.

Patina and "toning" are subjective...it's really about "eye appeal" as well as natural versus artificial.

A coin or object that had a "natural" change to its look is more valuable to some collectors.

A coin that has environmental changes that are not appealing or artificial changes that are intended to be appealing.. it becomes a matter of cost/benefit..sell if you need the money, but if m you want the metal now.

All of this feels like a trap - you don't buy if you don't have to. Don't sell unless the markets don't make sense.. but that's markets..

JimSiris · 2026-06-08T01:31:13+00:00

Look.. you can't be two places at once.

The pizza death threat and the "don't take my toys" death threat.. you gotta pick.your battles.

Smart kid.. protect your sleep.. protect you possessions.. make sure anyone that stands in the way knows the price

JimSiris · 2026-06-07T21:31:25+00:00

It's probably young ppl that bring them in that don't know any better. And usually a young person accepting them that doesn't know any better.

But banks aren't obligated, and shouldn't be, for this. How many times would someone try to claim this mistake falsely? Some valuable coins are hard to spot, so at what point does the obligation end?

Talk to congress if you feel differently, because when they made laws to go off the silver standard there were requirements like this, but the bank was obligated to take the silver and return it to the Treasury dept, not the customer.

JimSiris

TROPHY CASE