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<p>[QUOTE=&quot;Phil Ham, post: 3877268, member: 5787&quot;]I&#039;ve been collecting coins for 50 years but really started seriously collecting again about 15 years ago.&nbsp; I&#039;ve been purchasing collections from friends who mostly got them from a deceased loved one.&nbsp; I like to fill holes using eBay, local auctions, or coin shows. Part of the fun of the hobby for me is the history but also the value of my collection over time.&nbsp; I&#039;m constantly revaluing my collection, which is heavily weighted to silver coins.&nbsp; I estimate the value of most of the collection at the silver price minus 10% and use eBay to value coins and sets that may have collector value.&nbsp; Based on my estimates, I&#039;m currently making 1.0902% off my initial investment.&nbsp; As inflation is 2%, I&#039;m losing money each year without counting the tax burden on my earned income.&nbsp; Furthermore, it is most likely that I&#039;ve overvalued the collection as it should probably be 25-30% less than precious metal costs to cover sales &amp; marketing and shipping.&nbsp; Oh well, it is something for my daughters to eventually deal with.&nbsp; I&#039;m not selling until death do we part.[/QUOTE]</p><p><br /></p>

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