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I'm thinking about selling my coins

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  • Please do not sell your coins. I think you will later possibly regret it and then it is too late.
    Instead, give yourself 60 days and if you feel the same way then sell.

    You must be a popular member of this coin forum as the responses to your dilemma are well thought out and mostly considerate.
  • CoinosaurusCoinosaurus Posts: 9,645 ✭✭✭✭✭
    HRH-

    It's comforting to know you share the same neuroses as the rest of us.

    That said - buy the beach house. $10 Libs in the bank are nice, but going to sleep with the sound of waves in the background is a lot better.

    You can always sell your CU stock and buy the $10s back later image
  • lkeigwinlkeigwin Posts: 16,893 ✭✭✭✭✭
    David, does the decision to go forward with the beach house have to be made after the Libs are sold?

    You and Ellen should pursue the beach house dream. The coins can be sold later, if needed.

    I'd also consult a tax and estate lawyer before going any further.

    Enjoy it! I grew up on the beach and loved it.
    Lance.
  • ShamikaShamika Posts: 18,785 ✭✭✭✭
    There are worse things than a mortgage. Keep the coins.


    Buyer and seller of vintage coin boards!
  • pontiacinfpontiacinf Posts: 8,915 ✭✭
    This is a view coming from a guy with not a whole hell of a lot, but values family and what little he does possess.

    Not sure how long you have been married, but choosing a life partner does not come easy. As the years progress
    you both learn the ins and outs of each other and hopefully will love each more and more as time progresses.

    The set you speak of, wow nice set, you had a great time putting it together. You my friend are in a unique position,
    as coins come your way all the time and when the whim strikes you there will always be an opportunity to assemble
    another set. Heck as you said this set took six years; some sets are a lifetime project. I also know how possessive one can
    be about coins, almost like the love affair you have with a significant other.

    If you truly love your wife, and are happy with life, want the beach life, and then by all means sell the set. Once settled
    You can always start another. Like mentioned beforehand, you are in a unique position to acquire a lot of nice stuff, start
    a new set of something different, whatever.

    If you do not like the married life, sell the set, hide the money, well RUSS might be able to help you along those lines.

    Not really knowing you very well, just what I’ve seen over the years, I still think I will be seeing you on the beach.

    Good luck.

    Bill
    image

    Go BIG or GO HOME. ©Bill
  • nankrautnankraut Posts: 4,565 ✭✭✭


    << <i>If you built one of the all time best sets, that is a good enough reason to sell it. It is your hobby (and your job), you should enjoy the rewards. Buy what you want to make you and yours happy outside of coins, and start all over again with some other set! >>



    I agree with the above comment.

    Now...I'm a "super senior citizen"; so you have to take that into consideration. But look at it this way, HRH: Would you use and enjoy the beach house more often than you enjoy the set? IMHO, Prices for choice gold pieces are such that it's a good time to sell right now.

    Depending upon tax considerations, I would be inclined to sell, and enjoy some time on the beach with the love of my life. image
    I'm the Proud recipient of a genuine "you suck" award dated 1/24/05. I was accepted into the "Circle of Trust" on 3/9/09.
  • crazyhounddogcrazyhounddog Posts: 14,071 ✭✭✭✭✭
    I would sell the $10 Libs buy the beach house as it sounds like you & the wife would enjoy that. Then start yourself a kick ass set of Buffalo Nickels, they look much nicer and are quite beautiful. If you need any help with spending your money, please feel free to look me up and I'll help you Mr. HRH...image
    The bitterness of "Poor Quality" is remembered long after the sweetness of low price is forgotten.
  • LindeDadLindeDad Posts: 18,766 ✭✭✭✭✭
    Just do it.................................
    image
  • fivecentsfivecents Posts: 11,207 ✭✭✭✭✭
    David...I think you should sell your set and buy a blinged out beach house.

    I am all about living and enjoying life best I can these days. Plus I LOVE the beach. Never been to the west coast. I like to hang out at the Gulf coast. Or as we call it in the south "the Guf coast".image
  • crypto79crypto79 Posts: 8,623
    I justify my expenditures to my better half that when were all is said and done I will sell my coins( which I love very much) for a down payment on a home by the water for our retirement and to give our family a place to get away to. I have a guy who works for me who is buying a house on the Potomac river about 1 1/2 hours south of DC even though we work downtown and I tokd him it was to far to drive to work and he responded that "he was only working to get this house". Brought to light that one must keep the final destination in mind and not sweet what it takes to get there.
  • richardshipprichardshipp Posts: 5,647 ✭✭✭
    Coins been very very good to you.
  • itsnotjustmeitsnotjustme Posts: 8,779 ✭✭✭
    My collecting has morphed over the years, and still, it is always hard to make a decision to sell all or part of a put together set.

    In some cases, I found myself with coins I had little enthusiams for because I needed them for a registry set.... many moderns needed for a modern type set or such. Why do I need an SBA, a Sac, a Presidential Dollar?

    Sometime I started sets on a whim.....

    1959 Proof Set
    1859 Mint Set
    1965-67 Special Mint Set

    I broke the SMS set and have sold a few singles. I also dropped sets like the modern proof type set, and only kept the coins I needed for bigger sets.

    My advice - Keep a type example and sell the rest.
    Give Blood (Red Bags) & Platelets (Yellow Bags)!
  • itsnotjustmeitsnotjustme Posts: 8,779 ✭✭✭
    Or, have a give-a-way.
    Give Blood (Red Bags) & Platelets (Yellow Bags)!
  • coinsarefuncoinsarefun Posts: 21,758 ✭✭✭✭✭
    Sell the coins and get the houseimage

    How about this house.......just over 10,000 square feet in Laguna Niguel.
    My first rough sketch's.......... Motor Court, 6 fireplaces, fountains...inside and out image



    image
  • SwampboySwampboy Posts: 13,112 ✭✭✭✭✭
    HRH,

    Just do it. My first thought is that to be at the beach with loved ones is priceless and I'll tell you why I think so.
    I had to curtail my collecting last spring and summer because I took a condo for a week on the beach in So Cal.
    Pretty big deal for me.

    I spent seven days biking, boogie boarding and skipping stones with six of my grandkids and daughters. It was all I ever dreamed of and then some.

    I know what a week at the beach in California costs so
    I can only imagine how much year round digs would set a collector back.
    image

    It seems your choice is the same as mine was, if only at vastly diferent scale.

    Best of luck and kudos for chiming in.

    SB






    "Inspiration exists, but it has to find you working" Pablo Picasso

  • SanctionIISanctionII Posts: 12,619 ✭✭✭✭✭
    Though not far distance wise, the beaches of Orange County [particularly the beaches from Newport Beach south to the former Western Whitehouse in south San Clemente [and farther south to Trestles] are a very long way [in many respects, including years] from the post WWII tracts homes built in Santa Ana [where you grew up if my understanding is correct].

    If you and your wife want to live at the beach, go for it [but watch out for tsunami waves, stinky kelp that washes up to your patio and sand flies] and have a blast.

    Living in So. Cal. can be a major pain in the arse if you have to commute through heavy traffic and/or if you have to live inland from the water [high temps and smog]. However, living by/on the water can not be beat. If you do not have to commute, it is the best.

    A client of mine [who at 4-5 years of age left Poland with his parents in or around 1938 and who made it to America and So. Cal in around 1945] told me a story about his father, mother and family friends being given two alternative real estate investment opportunities in 1956. They could have either bought 700 acres of land in the Ridgecrest area of Kern County (on the eastern side of the lower Sierras along US 395 not far from China Lakes NAS); or could have bought 40 acres of beach front property in Laguna Beach. Mom, Dad and family friends chose to buy the 700 acres in the Ridgecrest area instead of the 40 acres in Laguna Beach. My client sorely wishes his parents and their friends had bought the 40 acres in Laguna Beach. Had they done so and my client inherited same [instead he inherited a portion of the 700 acres] and kept same, I could possibly arrange for you to buy a beach front lot todayimage

    He may be willing to sell the his share of the 700 acres for a reasonable price to you.

    Nah, ....................................... silly of me to even suggest itimage
  • roadrunnerroadrunner Posts: 28,313 ✭✭✭✭✭
    Would it matter if beachfront property drops significantly in value over the next 3-5 yrs or is that not possible on the Calif. coast?
    Same basic question for the $10 Libs.

    Between the weakness in real estate nationwide, and the stark reality of tsunamis, I know beachfront property wouldn't be high on my priority list right now.
    But if it's what you love and have to have, then go for it.

    roadrunner

    Barbarous Relic No More, LSCC -GoldSeek--shadow stats--SafeHaven--321gold
  • llafoellafoe Posts: 7,220 ✭✭
    Build a home on the beach today... live in the same home on an island 10 years from now. image
    WANTED: Cincinnati Reds TEAM Cards
  • MidLifeCrisisMidLifeCrisis Posts: 10,553 ✭✭✭✭✭
    Coins are toys. Sell them and enjoy the next phase of your life.
  • ecichlidecichlid Posts: 1,212 ✭✭✭
    Do what your heart tells you (and your wife!).


    Financially, this is a great time to get out of the big coins. I'm sure you know that.
    There is no "AT" or "NT". We only have "market acceptable" or "not market acceptable.
  • 19Lyds19Lyds Posts: 26,492 ✭✭✭✭


    << <i>Would it matter if beachfront property drops significantly in value over the next 3-5 yrs or is that not possible on the Calif. coast?
    Same basic question for the $10 Libs.

    roadrunner >>

    I think the problem is not so much the values dropping as much as it is the Coast Dropping. image
    I decided to change calling the bathroom the John and renamed it the Jim. I feel so much better saying I went to the Jim this morning.



    The name is LEE!
  • MoldnutMoldnut Posts: 3,113 ✭✭✭✭
    Well, I guess we will finally be neighbors now!image Have fun with your coins..... I mean your house.
    Derek

    EAC 6024
  • DaveEDaveE Posts: 367
    Its only money....image
  • homerunhallhomerunhall Posts: 2,496 ✭✭✭

    Wow...thanks for all the responses. Blown away by how many of you responded so quickly. I'm going to send a link to this thread to my wife. We both appreciate your comments.

    I'm kind of surprised by the huge percentage of you that said...SELL IT! I may be having sellers remorse...and I haven't even sold it yet.

    I'll let you all know what I do.

    Thanks again...hrh

  • bidaskbidask Posts: 14,029 ✭✭✭✭✭
    HRH, I appreciate your thoughts.

    I had the same discussion recently with my wife on an oceanfront property available in Cannon Beach Oregon.

    That is, I was willing to sell my coin collection to raise the money to help pay for the property............mostly because I love the view from an oceanfront property, something I would never get tired of.....

    My bottom line attitude ( we are around the same age) about my willingness to sell the coins for the property is that I am basically trading some 'stuff' I really like for other 'stuff' I really like.

    Lets face it, in the end, we cannot take any of it with us.......so why not choose to do what we want to do with the stuff we have blessed with .....

    In my case however, my wife was not willing to move back to Oregon, so I would only be able to enjoy the beach property maybe 3 months out of the year....

    So for that amount of time I can rent.Which I did last year, beachfront with the whole family for a month in June.

    If she was as hyped as I was about living in a beach front home, I think I would have sold the coins.

    So if your going to use the property alot I would do it.

    I also understand not wanting to borrow to pay for it.

    However,your coins are special I am sure too.

    Have you imagined yourself w/o the coins? How would you feel?

    You know more than anyone how scarce and rare your coins are. What is your outlook for them to appreciate?

    It sounds like your not willing to carry a mortgage but rates are relatively low.

    Can your cash flow from earned income or other investments help pay for a mortgage over time?

    Have you calculated a scenario where you could keep all or most of your coins and finance the purchase of the property and pay for it over time with your cash flow?

    In the end for me, again, it was trading 'stuff' for other 'stuff'. I think you should do what you and your wife feel will make you most happy.

    Either way is a good choice, you are still David Hall with or w/o the property, and your still David Hall with or without the 10 libs.
    I manage money. I earn money. I save money .
    I give away money. I collect money.
    I don’t love money . I do love the Lord God.




  • BAJJERFANBAJJERFAN Posts: 31,330 ✭✭✭✭✭
    Sun on the Beach!! If only to have such a dilemma!! Depending upon my financial and future outlook, I'd do what I could to get and keep both. Perhaps a more modest beach home would be wise. Or finance the deal until you are sure that the home will make you happy and if it looks like the right long term move then sell. I have to agree that there is something to be said for not owing money even if you can afford to borrow it.
    theknowitalltroll;
  • streeterstreeter Posts: 4,312 ✭✭✭✭✭
    If you do go ahead and send the coins down the road....think of all the good you are doing for Sacramento and D.C.----those guys will really appreciate your contribution.

    Newport Coast these days??? About 5mil to start? Taxes on that starter home run $60,000-70,000 a year.

    I could really enjoy a rental at the beach each year with that money and not have to consider the aggravation of owning.

    Just with those taxes paid on the capital gains and the property taxes combined----that's a lot of weekly vacations on Kauai.

    Two hours a day at the beach for 2 weeks straight------ gets the ocean out of my system for 4-6 months.
    Have a nice day
  • goldengolden Posts: 9,996 ✭✭✭✭✭
    Your $10's will go up more than the house.When the next tsunami comes you might lose the house.
  • I could only sell if I asked myself and answered only one question...

    If I sell, am I happy with where I took this set in terms of overall eye appeal and condition and completion.

    If that's a positive, sell. That simple for me in our new age of photography and the images available. Id rather have a visual memory of the set and a happy wife with a beach house.
  • This content has been removed.
  • jessewvujessewvu Posts: 5,065 ✭✭✭✭✭
    Well, I think i know how you feel. I recently sold a large portion of my personal coin collection to refinance my house. Interest rates being at an all time low an the $ we ended up saving because we could go from a 30 yr fixed rate at ~6.5% to a 15 yr at ~3.8 percent made it an easy decision. It either makes sense or it doesn't, only you can answer that. It was a slippery slope for me, not wanting to sell anything to a comfortable purge. Now, my house is probably worth less than the water fountain you may have in your beach house, and my most expensive coin was probably worth less than you paid insuring your coins for a year, but the ratio may be close. Na.. I could barely refinance my house with what I had an I thought I was doing good....

    I realized that I didn't care too much about my coins anyway. I look at them once in a while and they made me feel like I did a good job but I would do it again in a heartbeat.

    Final thought. Put all the coins in your set on the floor. Get your wife and take a few steps back. Take a good look at the pile. Then think that you could turn that little pile of coins into a "paid for" beach house.....

    Good luck!
  • Two questions and a statement for ya Mr Hall:
    1) How much is it?
    2) Will ya take a check?

    Don't build a house in So. Cal. Earthquakes are coming soon.

    successful BST deals with Meltdown, Broadstruck, lordmarcovan, MisterTicToc, JINX86, BXBOY143, MBCOINS and others
  • BubbleheadBubblehead Posts: 1,621 ✭✭✭


    << <i>I could only sell if I asked myself and answered only one question...

    If I sell, am I happy with where I took this set in terms of overall eye appeal and condition and completion.

    If that's a positive, sell. That simple for me in our new age of photography and the images available. Id rather have a visual memory of the set and a happy wife with a beach house. >>



    Well said. I completely agree!

    image
  • BochimanBochiman Posts: 25,556 ✭✭✭✭✭
    So, you ARE putting them up on the BST first, right? image

    I've been told I tolerate fools poorly...that may explain things if I have a problem with you. Current ebay items - Nothing at the moment

  • PQpeacePQpeace Posts: 4,799 ✭✭✭
    Sell the coins,buy the house.
    Be happy,which is more important than owning coins for a short period of time.

    I sold my coins,and have a nice house where I can see the beach and the Trump golf course.

    Sell me some stock at a discount if that will help image
    Larry

    Larry Shapiro Rare Coins - LSRC
    POB 854
    Temecula CA 92593
    310-541-7222 office
    310-710-2869 cell
    www.LSRarecoins.com
    Larry@LSRarecoins.com

    PCGS Las Vegas June 24-26
    Baltimore July 14-17
    Chicago August 11-15
  • TopdollarpaidTopdollarpaid Posts: 600 ✭✭✭
    this thread is worthless with out pictures.............................................image
    Randy Conway

    Www.killermarbles.com

    Www.suncitycoin.com
  • morgandollar1878morgandollar1878 Posts: 4,006 ✭✭✭✭✭


    << <i>Wow...thanks for all the responses. Blown away by how many of you responded so quickly. I'm going to send a link to this thread to my wife. We both appreciate your comments.

    I'm kind of surprised by the huge percentage of you that said...SELL IT! I may be having sellers remorse...and I haven't even sold it yet.

    I'll let you all know what I do.

    Thanks again...hrh >>




    I think that you should sell also. You can get the house on the beach, and at some point down the road start another set. Happiness is the most important thing, and it sounds like the house is the winner.

    I am not suprised that most here said sell the set... for few different reasons.
    Instagram: nomad_numismatics
  • messydeskmessydesk Posts: 20,313 ✭✭✭✭✭
    1. Don't fall in love with anything that can't love you in return.
    2. You'll always have the accomplishment of besting the Eliasberg, Bass, and Smithsonian $10 Lib. collections.
    3. A tile mosaic on the floor of the entryway about 10 feet in diameter of the obverse of an 1838 $10 Lib would just be way too #$@* cool.
  • RYKRYK Posts: 35,800 ✭✭✭✭✭
    If it feels right, don't think twice. One point that you might consider is to rent a place on the beach for a month, if you can, to make sure that it is all you expect it to be. Either way, it sounds like the collection is a goner.
  • BigEBigE Posts: 6,949 ✭✭✭
    Sell all the libs but the most valuable, take this coin and inset it in its holder into a large myrtlewood bar and seal it with lucite so you can view it whenever you like and name the house 10 Liberty Place and you will never miss the coins AND have the houseimage----------BigE
    I'm glad I am a Tree
  • RYKRYK Posts: 35,800 ✭✭✭✭✭


    << <i>Wow...thanks for all the responses. Blown away by how many of you responded so quickly. I'm going to send a link to this thread to my wife. We both appreciate your comments.

    I'm kind of surprised by the huge percentage of you that said...SELL IT! I may be having sellers remorse...and I haven't even sold it yet.

    I'll let you all know what I do.

    Thanks again...hrh >>



    You are going to tell your wife about the coins? image

    That violates the cardinal rule of coin collecting. image
  • SwampboySwampboy Posts: 13,112 ✭✭✭✭✭


    << <i>Sell all the libs but the most valuable, take this coin and inset it in its holder into a large myrtlewood bar and seal it with lucite so you can view it whenever you like and name the house 10 Liberty Place and you will never miss the coins AND have the houseimage----------BigE >>




    Winning!!! image

    "Inspiration exists, but it has to find you working" Pablo Picasso

  • mrpotatoheaddmrpotatoheadd Posts: 7,576 ✭✭✭
    House on the beach or a coin collection? Easy answer- house on the beach to enjoy living in while putting together a second collection. image
  • MadMonkMadMonk Posts: 3,743
    Flip a coin, and pay attention to how you want it to land. I wouldn't buy beach front property in California if it was near the fault.
    Never. Not no way, not no how!
    Today's mighty oak is just yesterday's nut that held its ground.
  • DennisHDennisH Posts: 14,011 ✭✭✭✭✭
    Sell 'em and don't look back.

    (Be sure to use sunblock though.)
    When in doubt, don't.
  • MsMorrisineMsMorrisine Posts: 35,938 ✭✭✭✭✭


    << <i>Wow...thanks for all the responses. Blown away by how many of you responded so quickly. I'm going to send a link to this thread to my wife. We both appreciate your comments.

    I'm kind of surprised by the huge percentage of you that said...SELL IT! I may be having sellers remorse...and I haven't even sold it yet.

    I'll let you all know what I do.

    Thanks again...hrh >>





    Well, I'm not finance guy, but I'd never pledge my company stock to buy either coins or a house. I don't care what the investment horizon is like for either.

    I can also see why you'd not want a mortgage if you have the cash to pay for it. Even at today's low rates and a short term loan, you're looking at a significant percentage paid in interest.


    I can also see why you have mixed feelings.

    You're a coin collector. You've collected coins. You have a set. Then you sell it? Kind of goes against the collector mentality.


    I don't know. Maybe you can look at it as a fun way of "taking control" of selling them.


    If you weren't HRH, and were some other initials, you'd have people asking you "which do you want more? Don't ask us, ask yourself."

    Current maintainer of Stone's Master List of Favorite Websites // My BST transactions
  • MsMorrisineMsMorrisine Posts: 35,938 ✭✭✭✭✭


    << <i>If you do go ahead and send the coins down the road....think of all the good you are doing for Sacramento and D.C.----those guys will really appreciate your contribution.

    Newport Coast these days??? About 5mil to start? Taxes on that starter home run $60,000-70,000 a year.

    I could really enjoy a rental at the beach each year with that money and not have to consider the aggravation of owning.

    Just with those taxes paid on the capital gains and the property taxes combined----that's a lot of weekly vacations on Kauai.

    Two hours a day at the beach for 2 weeks straight------ gets the ocean out of my system for 4-6 months. >>




    Interesting point of view.
    Current maintainer of Stone's Master List of Favorite Websites // My BST transactions
  • melvin289melvin289 Posts: 3,019
    I sat down one day and had a long conversation with myself about what matters in this world. I am single, never married, no kids, and no relatives that give a hoot about me. I was wondering what would happen to my stuff if anything happened to me. I came to conclusion that the only thing in the world that I care what happens to is my cat. She would be more affected by my demise than anything else since I take care of all her needs. Coins, I was working on a set of 144 Classic Commems in the best condition I could afford. Then a recession came along. The recession affected my hours at work, I am an hourly employee, and I had to curtail my collecting for awhile. I came to the conclusion during this time that it didn't matter what I collected coinwise as long as I collected something. Collecting coins makes me happy and fills my need to amass small piles of silver. Since my age and the fact that I was only a little over half way through the Commems came into play I took another approach to collecting. I finished a set of circulated Walkers I started 50 years ago. I am trying to finish my 1948 Birth Year set. I am working on a set of certified SBA's. I might be working on a set of silver Rosies. No matter the cost of the coins, being a collector, I find that any coins fill the bill.

    As far as your set goes. You had the pleasure of putting together on of the finest sets of all time. Move on to something else. I think you may find that any collection of coins will serve the purpose. We collect what we can within our means and it should make you happy. If the wife wants the beach house, keep her happy first.

    Good luck on whatever you decide.

    Ron
    Collect for the love of the hobby, the beauty of the coins, and enjoy the ride.
  • MsMorrisineMsMorrisine Posts: 35,938 ✭✭✭✭✭


    << <i>I could only sell if I asked myself and answered only one question...

    If I sell, am I happy with where I took this set in terms of overall eye appeal and condition and completion.

    If that's a positive, sell. That simple for me in our new age of photography and the images available. Id rather have a visual memory of the set and a happy wife with a beach house. >>




    another interesting take.

    Current maintainer of Stone's Master List of Favorite Websites // My BST transactions
  • LakesammmanLakesammman Posts: 17,461 ✭✭✭✭✭
    Big Beach Home = Maintenance $$

    Keep the coins and rent a nice place when you get the urge. image
    "My friends who see my collection sometimes ask what something costs. I tell them and they are in awe at my stupidity." (Baccaruda, 12/03).I find it hard to believe that he (Trump) rushed to some hotel to meet girls of loose morals, although ours are undoubtedly the best in the world. (Putin 1/17) Gone but not forgotten. IGWT, Speedy, Bear, BigE, HokieFore, John Burns, Russ, TahoeDale, Dahlonega, Astrorat, Stewart Blay, Oldhoopster, Broadstruck, Ricko, Big Moose, Cardinal.

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