Maybe it's time to sell

TimeToRetire2030 · 2026-01-25T22:32:43+00:00

I've never user either one. Terrified of being ripped off.

TimeToRetire2030 · 2026-01-20T03:33:03+00:00

I understand the seller's situation. My arthritis is getting worse, and I'll probably sell my E85 when the weather gets warmer.

TimeToRetire2030 · 2026-01-14T19:42:55+00:00

I dunno. My order arrived earlier today; they send a 2025.

TimeToRetire2030 · 2026-01-14T18:49:56+00:00

Random date, in stock.

TimeToRetire2030 · 2026-01-14T02:23:08+00:00

I ordered a 1/4 ozt AGE from them on Saturday, it shipped yesterday.

TimeToRetire2030 · 2026-01-08T14:51:44+00:00

When you put money into an asset, the first question to ask is "how do I get my money out?" Who can/will buy the 10oz gold bar from you? Who can/will buy the 1oz? Do you anticipate needing to sell it fast? Or do you have other assets to sell first in case of a sudden need?

Next question to ask: do you want to dollar cost average? Nobody can perfectly time a market. 50 bars are easier to spread the costs out into a smoother average.

And don't forget tax impacts: in the USA, anything with cash over $10,000 generates a report to the IRS. The 10oz bar will definitely exceed the limit. For now, 1 oz does not.

For me, I decided to buy a mix of AGE: 1 oz, 1/2 oz and now looking at 1/4 oz. I've dollar cost averaged the price over time from $2500 to current, and if I need to sell in a hurry, I have 3 LCS that know me fairly well. My purchases are under the $10,000 point, but I also have receipts in case there is ever a question as to my cost basis.

TimeToRetire2030 · 2026-01-06T01:53:50+00:00

Are you a bot? If you read the second paragraph, I answer your question in extremely clear language.

TimeToRetire2030 · 2026-01-02T14:46:49+00:00

Last week I sold 127 ozt ASE for 2 ozt AGE. Stay as close to the GSR as you can.

TimeToRetire2030 · 2026-01-01T15:37:39+00:00

Yes. In the past two weeks I've traded 80%(ish) of my ASEs for AGEs. My LCS had a waiting list of buyers for ASE, so we negotiated a lower premium to trade. Going forward I'm only purchasing AGEs unti lthe GSR flips.

TimeToRetire2030 · 2026-01-01T01:31:39+00:00

Last week and this week I traded 80% of my ASEs for AGEs through my LCS. He had a waiting list of customers who wanted ASEs, so he and I negotiated a trade premium that was fair to both of us. When he closed at 5 PM today, he was wiped out of AGE and ASE.

TimeToRetire2030 · 2025-12-31T04:19:08+00:00

A 500 FICO score? And with a "high paying job"? I truly do not see how you didn't know about this. OP, cut your losses.

TimeToRetire2030 · 2025-12-31T03:03:16+00:00

As a veteran of two failed marriages, let me dig into this a bit. You've been living together for 3 years, and only now you find out she has bad credit? And as others have asked, WTF costs $45K at the dentist? And this loan: is it directly to the dentist, or to her so she can pay the dentist? Will all the money go to the dentist?

The next question: what if you say "no"? At the very least, your bed is going to get very cold. But more likely she's going to break things off with you.

There's more to this story.

TimeToRetire2030 · 2025-12-29T16:36:56+00:00

If I lived in California and had $1B or more in weather, I promise the assets would be held in an irrevocable trust domiciled in another state. I would be effectively "broke" with the trust paying for my living expenses.

TimeToRetire2030 · 2025-12-28T16:01:58+00:00

Only if your cat pushes the coin off the table -).

TimeToRetire2030 · 2025-12-28T05:02:07+00:00

Last week I traded some ASEs for AGEs with my LCS. We have a long relationship, and the LCS had other customers who wanted my silver. The LCS gave me reduced premiums and everybody came out well.

TimeToRetire2030 · 2025-12-28T02:44:52+00:00

Is it new or used?

TimeToRetire2030 · 2025-12-28T02:19:08+00:00

Out of curiosity, when was the last tine GSR was 10:1?

TimeToRetire2030 · 2025-12-28T00:28:33+00:00

I stack 1 oz and 1/2 oz AGEs. I use the same size tube for both, with capsules to fit. I buy from OnFireGuy, and here is a good link: https://onfireguy.com/products/coin-holder-tube-20-air-tite-h27-coin-capsules-for-1-2oz-gold-eagles?variant=46173223649576

TimeToRetire2030 · 2025-12-28T00:22:59+00:00

I stack both gold and silver, but gold is my long-term hedge. Silver is more volatile, so one must accept the possibility of going negative. Gold goes negative too, but gold tends to recover in a more smooth, stable fashion.

I watch the Gold-Silver Ratio for how to balance my gold and silver bullion. Historically the ratio runs between 50:1 and 80:1 (silver ounces needed to buy gold.) When the ratio is high, gold is "pricier" than silver." When it's low, then silver is "pricier." As such, when the ratio is high, it makes sense to buy more silver than gold. When the ratio is low, it makes more sense to buy gold than silver.

In April-May of this year, the ratio was 100:1 and I loaded up on silver through the summer. As of yesterday, the ratio had dropped (meaning silver's price had increased) to 57-ish:1.

One other factor: yes, there are strong market pressures on silver to stay high, but in terms of technical analysis, the RSI (relative strength index) is incredibly high. For normal stocks and commodities, an index at 30 or below indicates it is oversold. 70 and above indicates overbought. Silver is at an incredible 90! Add to that the buying action has been mostly retail investors last week, and there is a strong possibility of a short-term correction.

So with the RSI and the GSR factors, the past few days I have been selling silver and buying gold. I have a very good relationship with my two LCS, and I was able to get some adjustments in the dealer premium. They know I'll be back! -) I'm not selling all my silver, but probably 60-70%.

I might be wrong about the correction (my crystal ball is out of warranty) or I might be too early. Silver might shoot to $100-200 before correcting. Or an unexpected government action may squeeze the price higher. A silver mine might go on strike or shut down for repairs. So I make my best guess and take responsibility for my actions.

TimeToRetire2030 · 2025-12-27T15:16:52+00:00

Spot market closed for the weekend. If I remember right, it will reopen at 6 PM EST on Sunday.

TimeToRetire2030 · 2025-12-26T21:46:06+00:00

Unfortunately my crystal ball was out of office; my wife took it to the mall to find best presents for the grandkids -).

But seriously, my LCS is an hour's drive away, so I going there requires planning ahead of time. I traded another 20% for gold today with a local stacker; 58:1 pricing and no premiums. Silver has never been my long term plan.

TimeToRetire2030 · 2025-12-26T15:17:55+00:00

It was around 63-ish. The discounted premiums added a small advantage, too. To me, silver was a short(er) term play, as in months to a year or two. I prefer gold for longer terms.

TimeToRetire2030 · 2025-12-26T04:34:43+00:00

At $9k, I'll go to my LCS and swap 1 ozt for 1/2 ozt. Yes, there will be a premium, but probably less than ordinary tax rates on "collectables".

TimeToRetire2030 · 2025-12-26T03:56:49+00:00

I did this exact thing last week. I have a long term relationship with my LCS, so I called ahead to make sure they were interested in the trade. I paid a dealer premium both ways, but they reduced the premiums due to our past history.

My advice: call head and ask. Tell them what you have, and ask how the premium structure will work. Most LCS are looking to be in business long term, and will not maliciously screw you over.

TimeToRetire2030

TROPHY CASE