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Hypothetical, sort of : If a dealer lists a coin at $1000, but will sell it for $700, will you do bu

coinguy1coinguy1 Posts: 13,484 ✭✭✭
If a dealer lists a coin at $1000, but will sell it for $700, will you do business with him?

What if he lists a coin at $1000, but through asking questions and negotiating, you learn that he weill sell it for $500?

I bet many, if not most of you are saying "Heck yes, why not?, I love a big discount?, why would you ask such a stupid question?"

I'll wait for some replies before I chime in with my thoughts on this subject.image

Comments

  • I would have to 'see' why he would be willing to take a 3-500 discount on the coin first Mark.

    to 'hear' that he would sell it for 5, then I think something is askew in the hood.

    If the coin fits what I want in my collection- I would probably deal, but not sight unseen.

  • p8ntp8nt Posts: 2,947 ✭✭✭
    I dont see quite where you are going with this one, but if I had to guess it involves the ethics and reasoning that some will pay $1000 and be "ripped off" compared to the $700 price. That being said, I dont really care what a dealer lists a coin for. If I am interested in it at that price and think its a good deal, Ill just buy it. If I think the price should be lower I will ask about it. Bottom line.. if I like the price I buy it no matter what the dealer was asking.
  • 500Bay500Bay Posts: 1,106 ✭✭✭
    I like discounts as much as anyone.
    I would rather have the asking price close to his "fair" price, with a small discount for regular customers.
    Finem Respice
  • RYKRYK Posts: 35,797 ✭✭✭✭✭
    When I see a coin listed for $1000, I assume that the coin will cost me between $900 and $1000 to buy it. If I feel it is $300 to $500 overpriced, I won't even make an inquiry. So, chances are, I won't do business with him.
  • coinguy1coinguy1 Posts: 13,484 ✭✭✭
    <<When I see a coin listed for $1000, I assume that the coin will cost me between $900 and $1000 to buy it. If I feel it is $300 to $500 overpriced, I won't even make an inquiry. So, chances are, I won't do business with him. >>

    Robert, is that because you don't think you'll be able to buy the coin at a fair price, or is there a different reason "I won't do business with him."?
  • FletcherFletcher Posts: 3,294
    If I thought the coin was worth $700, I would do business with him in a heartbeat. Nothing wrong with dealers marking-up coins to moon (although I think that they will scare off potential customers in doing so) ... besides, I like to haggle image
  • johnsim03johnsim03 Posts: 992 ✭✭
    Mark, this is a very interesting what-if.

    We don't know the circumstances behind this fire sale, and perhaps we shouldn't care.
    Could be that the guy is trying to turn a terrible show into a so-so show, could be
    that he needs some dental work in a hurry, and doesn't have the cash on hand,
    could be that he is a snake-oil salesman to begin with, and worthy of contempt under
    usual circumstances?!

    Not having more background, I would have to say that negotiations are a factor
    in all transactions, more or less. As a buyer, I don't play the "What I have in it"
    gambit (love that chess term) or any of the step-children variations of the same.

    I think it also highly unlikely that a reputable dealer would give so much on his
    bottom-line-price, without a darn good reason. That, by itself, would give me
    cause to reconsider the transaction. But it would not necessarily be a show-stopper,
    if I were a serious buyer...

    John
    John C. Knudsen, LM ANA 2342, LM CSNS 337
    SFC, US Army (Ret.) 1974-1994
  • IGWTIGWT Posts: 4,975
    Is the coin in the dealer's inventory or listed on consignment?
  • BarryBarry Posts: 10,100 ✭✭✭


    << <i>When I see a coin listed for $1000, I assume that the coin will cost me between $900 and $1000 to buy it. If I feel it is $300 to $500 overpriced, I won't even make an inquiry. So, chances are, I won't do business with him. >>


    I agree. To answer your follow-up question, Mark - If a coin is so overpriced in the first place, I won't even bother trying to negotiate with the dealer.
  • coinguy1coinguy1 Posts: 13,484 ✭✭✭


    << <i>We don't know the circumstances behind this fire sale, and perhaps we shouldn't care. >>

    John, please take it as a given in this "hypothetical, sort of" that the 30%+ discount is not especially uncommon/unusual for the dealer.

    Edited to add:

    << <i>Is the coin in the dealer's inventory or listed on consignment? >>

    The coin is in the dealer's inventory, although practically speaking, you don't know if it's been consigned to him/her or not.
  • <<If a dealer lists a coin at $1000, but will sell it for $700, will you do business with him?>>

    Yes

    <<What if he lists a coin at $1000, but through asking questions and negotiating, you learn that he weill sell it for $500?>>

    Yes

    <<I bet many, if not most of you are saying "Heck yes, why not?, I love a big discount?, why would you ask such a stupid question?">>

    Heck Yes...why would you ask such a stupid question? image


    I would imagine a seller would list a higher price so that:

    1- Someone who wants the coin really bad and has a 'money is no object' attitude will be happy buying the coin at that price.
    2- Some buyers are reluctant to try to haggle the price down (not in their nature) and will either take it or leave it.
    3- It would give the seller room to negotiate with buyers who like to haggle and to get a deal. Some of these buyers may be other dealers looking for room for a mark-up as well.
    4- If the seller lists the item too low initially, he may never know what true price he may have realized or the price the "market will bear" and wish he had set the list price higher.
    5- The seller should have an idea of his market demographics, the price he needs to sell to attain a profit margin to stay in business, and the breakeven point on the item for sale.
    He may also have to sell some stock to keep his assets liquid enough so that the inventory doesn't just sit around gathering dust.

    So if he sells it at his list price, at his breakeven point, or even a loss, this is a business decision he has to make to stay in business.

    I would even think he would sell them at below list or even break-even point to enncourage new customer(s) doing business with him in the future.


    If I only had a dollar for every VAM I have...err...nevermind...I do!! image

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  • RYKRYK Posts: 35,797 ✭✭✭✭✭
    Robert, is that because you don't think you'll be able to buy the coin at a fair price, or is there a different reason "I won't do business with him."?

    It is the former--because I do not think I will be able to buy the coin at a fair price.

    Not to cast aspersions, Anaconda Rare Coins often sports hefty price tags on their inventory. (They have nice coins and exceptional service and are free to price their invnetory however they please. I like and respect Brandon, so my point is not to trash him or ARC.) When queried on the issue of the high price tags, Brandon always points out that if you think the price is too high, you should make an offer. To me, that is one big mind game that I have no interest in playing. My feeling is that nearly any offer I make will end up with me feeling uncomfortable:

    1. If I offer too high and they take it, I wonder how much money I left on the table.

    2. If I offer too low, and they refuse, I fear that I have insulted them or look like a doofus.

    3. If I offer too low and they counter, but I think the counter is too high, and I refuse, I look like a tightwad.

    Bottom line: I think coins should be priced close to the expected selling price. If you want to give a good customer or check payer a small discount, great. The extra padding is good for those who want lay-away, pay by credit card, or other services that cost the seller money.

    Bottom line: When I see a coin that I feel is overpriced, I pass without further consideration.

  • TrinkettsTrinketts Posts: 1,699
    I see nothing wrong with a dealer starting high... Have you ever seen somebody negotiate a price UP?
    Either write something worth reading or do something worth writing about. -Benjamin Franklin-
  • PushkinPushkin Posts: 2,029 ✭✭✭

    My experience is that "trusted" dealers work on relatively small margins (10% - 20%). I almost exclusively deal with a few trusted dealers who I don't have to negotiate with. They will often tell me their markup, but I never ask. I’m hesitant to deal with high markup-lowball price dealers because I don't trust them. I would be especially concerned about the possibility of purchasing a problem coin.

    Bottom line, maybe if it is a coin I really needed and I fully trusted the coin (but not the dealer). However, I do not seek them out and actively try to avoid them. I've found more "bargains" with trusted, lower markup dealers than with the "let's negotiate" kind. Just my stupid, nutty opinion.


    On the other hand, when buying Persian rugs …..image
  • RYKRYK Posts: 35,797 ✭✭✭✭✭
    I agree with Pushkin completely. I tend to buy from a few trusted dealers who price the coins right, often reveal their source for the coin and its cost, and do not play games.

    I also wondered if any recent threads have inspired this hypothetical from Coinguy1. image
  • TrinkettsTrinketts Posts: 1,699
    Something to take into consideration as well...

    If you know of a dealer who carries very choice/high quality coins and you always try to beat them up over getting a discount you may find that dealer one day decides it's not worth the effort for such a small margin and the hobby loses somebody who was always a souce for very nice coins.

    Now I am not saying you should always pay moon money from said dealer, but it's something to consider.


    Just my two cents...
    Either write something worth reading or do something worth writing about. -Benjamin Franklin-
  • DHeathDHeath Posts: 8,472 ✭✭✭
    IF the coin were one I had strong knowledge of (price, characteristics, demand), I would buy it from anyone I liked well enough to do business with. The question might point toward buyback issues for the uninitiated.
    Developing theory is what we are meant to do as academic researchers
    and it sets us apart from practitioners and consultants. Gregor
  • Capitalism at its best, mark it high and negotiate to the price you wanted for it in the first place, I would never pay list for an automobile, I know it, they know it and yet we somehow agree.

    When I see that token or coin I really want and inquire as to their best price, usually I have decided to buy it even if the dealer won't budge, but if they do, I feel more than pleased. This is of course with a coin in hand after I have truly examined it.
    "To know the road ahead, ask those coming back"
  • It has seemed to me, that a discount of 20-30% (off retail price) is pretty standard between a dealer and his best/(or) volume clients; for product that doesn't move so quickly, I'd expect him to pay maybe 50% or so of retail.

    ...now that said... if it was 20-30% for common bullion... that's weird.

    So the short answer is "it depends", but hey, the "price is the price", I don't have a problem with the dealer setting whatever price he wants, no hard feelings. Nickel & diming me on the grade though... that's the quickest way to get a "pass".

    ~g image
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  • johnsim03johnsim03 Posts: 992 ✭✭


    << <i>

    << <i>We don't know the circumstances behind this fire sale, and perhaps we shouldn't care. >>

    John, please take it as a given in this "hypothetical, sort of" that the 30%+ discount is not especially uncommon/unusual for the dealer.

    Edited to add:

    << <i>Is the coin in the dealer's inventory or listed on consignment? >>

    The coin is in the dealer's inventory, although practically speaking, you don't know if it's been consigned to him/her or not. >>



    Okay - that is easier to deal with, I think. If I had this intelligence ahead of time, I would factor it in to
    what I would offer to begin with. "Is that your best price?" and walking away, can be a valuable tactic
    to use, from the perspective of a buyer who has no qualms about trying to negotiate a good price.

    On the other hand, I must confess - I have some philosophical problems with dealers who operate like
    this. It is the stuff that can make your hair stand on the back of your head - using eBay as an example.
    There are some who will price to the moon, hoping some chump comes along who will pay an outrageous
    price for a coin. Sometimes they score - more often they re-list at more reasonable levels, until a buyer is
    found.

    I guess what I am trying to say is that I have a bit more respect for the professional who knows what he
    has, and prices accordingly. If I want the piece, I may try to negotiate a better price - but if I REALLY want
    it I will also know, in the back of my mind, just how far I can go in this regard. Normally, unless it is part
    and parcel of a much larger transaction, it will not involve discounts of 30-40% of the retail price.

    But that is just a personal preference, a purist might not have any problems at all with this kind of deal.

    John
    John C. Knudsen, LM ANA 2342, LM CSNS 337
    SFC, US Army (Ret.) 1974-1994
  • Not if it's a $300.00 coin !
  • topstuftopstuf Posts: 14,803 ✭✭✭✭✭
    If it's priced at $1000 and I say I'll pay 700....yes.
    If it's priced at $1000 and he volunteers a 300 discount, I'll look ...verrry... closely at the coin. THEN decide.
    If it's an obvious $700 coin and the rest of his stuff is also overpriced for "snob appeal"..maybe...but most likely I won't even stop at the table to ask.
    If it's a LESS THAN $700 coin..... well..... no need to ask. (but then #1 wouldn't apply would it?)
    image

    Mark, it's Memorial Day. Aren't you sentimental?
  • Of course I would. I want the coin, not companionship. I would do business with him again and again. In fact I will check with him first the next time I am in the market.

    Freakimage
  • KaelasdadKaelasdad Posts: 1,232 ✭✭✭
    Mark ups are a way of life and a way of business, the question is what is fair and what is not. Fair is in the eyes of each party. If the dealer came upon a nice deal and did not have much in the coin, he has a lot more wiggle room. If he had to travel for it, if he built up a lot of expenses, if he had to pay a bit more because of the scarcity of the coin, he still has to be able to sell it for something extra.

    All that experience comes with a price.

    I can easily see a dealer selling a coin for $1000 to a new customer--if it was indeed a $1000 coin. I can see him selling it for $700 to a regular customer in order to show that he is the kind of dealer this customer wants to continue dealing with. I can also see him selling this coin to his very best customer for $500, because in that situation, thats his bread and butter account, and they get the highest level of service, best coins, and best service, and if they go elsewhere or another dealer courts them away, that could prove ruinous for his business. Anyone think he might even be taking a loss on that one coin to prove his committment to that special customer?
  • IGWTIGWT Posts: 4,975
    Yes, I’ll do business with a dealer who sells a coin for $500 or $700 after initially asking $1,000. I asked about consignment v. inventory because I want to know who – the dealer or the consignor – is responsible for the disparity between ask and sell. I assume that the dealer is consistent in the way that he sets prices, and I’ll keep that in mind for the next time around. My decision to do business with the dealer has nothing to do with getting a “discount” and everything to do with paying a fair price for a coin that I want. Some might infer from the facts in your question that the dealer is trying to gouge collectors. There’s not enough information to draw that conclusion. Other factors could explain the gap; we don’t know the dealer's cost or general overhead and can’t figure his mark-up.

    Edited to delete irrelevant comment.
  • If it's a coin I want/need......I'll do business....I don't care what the "ask" is....I care what the "sell" is...it's a free market...dealer can ask what he wants....It's up to the buyer to determine the sell price.
  • jayboxxjayboxx Posts: 1,613 ✭✭
    I think that if the coin is marketable at $1000, why not do business? If you can negotiate it down then more power to you.

    There are a lot of services and products listed at a certain price that the seller would be willing to take less on should the option arise.
  • braddickbraddick Posts: 24,147 ✭✭✭✭✭
    Bottom line (for me): A Dealer may ask whatever he want's for a coin and sell it for whatever he wants. Really, makes no difference to me.

    Mark, you may purchase a coin for $300.00 and offer it, online, for 1K and then sell it to me for $700.00. It shouldn't/wouldn't bother me if down the road I discovered what you paid.

    The coin is worth, to me, what I am willing to pay for it. Pricing points from the past do not determine the value today- for me.

    peacockcoins

  • BillJonesBillJones Posts: 34,116 ✭✭✭✭✭
    It all depends upon what the coin is really worth.

    Now a days it seems that dealers don't come down much in price. So if you see a coin that you like, but the price marked on the holder is "out to lunch" it's often a waste of time to ask. BUT in the good days, some of those listed prices were part of the game. If he's asking $1,000 but comes down to $500, it would seem like a bargain to some people and help sell the item. image
    Retired dealer and avid collector of U.S. type coins, 19th century presidential campaign medalets and selected medals. In recent years I have been working on a set of British coins - at least one coin from each king or queen who issued pieces that are collectible. I am also collecting at least one coin for each Roman emperor from Julius Caesar to ... ?
  • I believe (know) it is possible to over analyse anything !!!
  • Hmm... I guess I would, as I have before. Basically the same issue, I sold a dealer a coin for $575, and then saw it on his website for like $1850. I've still done business with him.
  • Coin FinderCoin Finder Posts: 7,207 ✭✭✭✭✭
    Depends on the coin (raw or certified?), not the dealer. If I need it as a collector, and it is a nice looking coin no problems, etc and hard to come by, I will usually pay the price no questions asked. Even If I knew how much the dealer paid for it, it would not matter.


    Now as a dealer buying a coin for resale, this is a different story....
    I would wonder why the big discount, is the coin problematic? Is the coin stolen? Why is this dealer giving me deal? Lots of questions and I would tend to get as much information as possible becasue when I go to resell it, I would expect the same.
  • FrankcoinsFrankcoins Posts: 4,569 ✭✭✭
    Prices vary a lot based on the buyer's attitude.....
    Frank Provasek - PCGS Authorized Dealer, Life Member ANA, Member TNA. www.frankcoins.com
  • IGWTIGWT Posts: 4,975


    << <i>Prices vary a lot based on the buyer's attitude..... >>



    . . . and prices that a buyer is willing to pay vary a lot with the seller's attitude. image
  • BillJonesBillJones Posts: 34,116 ✭✭✭✭✭
    Years ago when I was building a half cent collection, I ran into a dealer who had an 1851 half cent with $110 marked on it. I looked at it and handed back. To be kind the general appearnce of the dealer was not the look of someone who reputable.

    "You want to buy it?"

    "I'm interested, but I would not pay anywhere near that for it," I answered.

    "So what do you want to pay?" he responded.

    "My offer would be insulting," I answered.

    "So insult me," he said.

    "$55," I responsed.

    "Sold!" he said.

    But that was in the good old days when there were more decent raw coins available. Today a lot of the decent stuff has been slabbed and the prices are set to close to what the dealers want for them.
    Retired dealer and avid collector of U.S. type coins, 19th century presidential campaign medalets and selected medals. In recent years I have been working on a set of British coins - at least one coin from each king or queen who issued pieces that are collectible. I am also collecting at least one coin for each Roman emperor from Julius Caesar to ... ?
  • PushkinPushkin Posts: 2,029 ✭✭✭


    << <i>will you do business with him? >>


    image
  • michaelmichael Posts: 9,524 ✭✭
    pass

    if i want to play games i will go to a carnival

    as anyone i want to do coin biz with usually is someone i want to trust and also trade sell buy ask some insight opinions on

    and since this coin seller is a game player usually when i go to games of chance like this coin seller is doing i wind up with the short end of the stick

    if this coin seller is this shady then he is no friend to me and not someone that is any good karma for me at all and this is for me as a collector someone else in the biz that needs to make a living things might be different but for me as a collector this coin seller is doing me or my interests no big favors

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