Cultural Exchange between /r/Lebanon and /r/berlin
Welcome to the Cultural Exchange between /Lebanon and /berlin/ Courtesy of our friends over at /berlin/ we are pleased to host our end of the cultural exchange between the two subreddits. The purpose of this event is to allow people from two different regions to get and share knowledge about their respective cultures, daily life, history and curiosities.
German friends will ask their questions about Lebanon on this thread itself.
English is generally recommended to be used to be used in both threads.
Event will be moderated, following the guidelines of Reddiquette and respective subreddit rules.
Quick introduction about Lebanon
Quick explanation of what is happening in Lebanon (Before the explosion): https://imgur.com/a/Ixo3v8S Introduction Lebanon is a tiny country in the middle east. It's bordered by Syria from the north and east, Israel from the south, and the Mediterranean Sea from the west. Syria has been in a deadly civil war since 2012. Lebanon and Israel are officially "at war" since the inception of Israel, though currently there isn't any war going on, and the last real war between the two countries happened in 2006 and lasted only 30 days. Lebanon went into a long and deadly civil war in the 70s and 80s. It only ended when the war lords sat together and decided that instead of attempting to kill each other, why not become rulers and split the gains. Thus from the early 90s until today Lebanon has been ruled by the same warlords that fought in the civil war. The speaker of the parliament never changed, not even once, and the rest of MPs and politicians just switched ministries and places every few years to present the image of democracy. Lebanon also has Hizbollah, an organization that is labeled as a terrorist organization by many countries. Hizbollah has more powerful intillegence and military than the Lebanese government itself. The organization has unobstructed powers, for example, it started the 2006 war with Israel without the acceptance of the official Lebanese government. Lebanese politicians save their billions and billions of dollars in savings in banks across Europe, mainly Switzerland. Lebanon doesn't have oil, nor a serious construction sector. Lebanon relies on the service sector and tourism to survive, both of which are almost nonexistent at this point. Lebanon has a huge crippling debt. Lebanon's capital, Beirut, was voted the most expensive city to live in in the middle east two years ago. Lebanon's passport is one of the worst passports in the world and doesn't allow you to visit any notable country without a visa. October 2019 - Political, COVID-19 and Economical Problems In October 2019, the government approved a law that would increase taxes, and tax the usage of Whatsapp. The Lebanese population attempted a peaceful revolution, the country effectively closed down from October until December. The revolution was successful in forcing the government to resign, but wasn't able to make the president, MPs or speaker of the parliament resign. Things went to shit after that, unofficial capital control started in October. The bank declared that people can't withdraw money from their savings or current accounts. People weren't allowed to transfer money outside Lebanon or use any credit or debit card internationally. The government started considering a haircut. The currency started to lose value rapidly. The official rate is currently 1$ = 1,515 LBP while the black market rate is 1$ = 8,500 LBP The money stuck in the bank is useless, almost frozen because it can't be withdrawn without losing ~65% of it's value and even then, in small quantities. Add to that COVID-19 is ripping the country. We're having exponential growth in the number of cases right now. The Explosion On August 4, 2020 multiple explosions occurred in Beirut Port that destroyed half the city, killed hundreds, with an additional large number of people missing, injured hundreds of thousands of people and made 300,000 people homeless. 80000 children displaced. The explosion was so big that it was heard and felt in Cyprus and Syria. There were reports of damages to properties from the explosions all over Lebanon, not just in Beirut. The explosion destroyed half of the city including busy hospitals, which ended up causing people to have to deliver or have critical operations using the flash light from the doctors' cellphones. The explosion killed several foreign nationals including French, German, Canadian, American, and Australian citizens. This post is made to raise awareness about what happened in Lebanon by sharing the videos of the incident. Please note that those videos are graphic as they show the moment the explosion happened. Donation Help Any kind of monetary donation will go a LONG way during these times. You can donate using your credit card, paypal account, bank transfer or bitcoin donation. You can find a list of verified and safe NGOs to donate to here: https://www.reddit.com/lebanon/comments/iaakslist_of_lebanese_ngos_that_are_verified_and_safe/ You can check out some of the videos here:
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Wandering From the Path? | Monthly Portfolio Update - August 2020
Midway along the journey of our lifeI woke to find myself in a dark wood,for I had wandered off from the straight path. Dante, The Divine Comedy: Inferno, Canto I This is my forty-fifth portfolio update. I complete this update monthly to check my progress against my goal. Portfolio goal My objective is to reach a portfolio of $2 180 000 by 1 July 2021. This would produce a real annual income of about $87 000 (in 2020 dollars). This portfolio objective is based on an expected average real return of 3.99 per cent, or a nominal return of 6.49 per cent. Portfolio summary
Vanguard Lifestrategy High Growth Fund $733 769
Vanguard Lifestrategy Growth Fund $41 794
Vanguard Lifestrategy Balanced Fund $78 533
Vanguard Diversified Bonds Fund $110 771
Vanguard Australian Shares ETF (VAS) $216 758
Vanguard International Shares ETF (VGS) $64 542
Betashares Australia 200 ETF (A200) $237 138
Telstra shares (TLS) $1 540
Insurance Australia Group shares (IAG) $6 043
NIB Holdings shares (NHF) $5 532
Gold ETF (GOLD.ASX) $121 976
Secured physical gold $19 535
Ratesetter (P2P lending) $8 998
Bitcoin $177 310
Raiz app (Aggressive portfolio) $17 421
Spaceship Voyager app (Index portfolio) $2 759
BrickX (P2P rental real estate) $4 477
Total portfolio value $1 848 896 (+$48 777 or 2.7%) Asset allocation
Australian shares 41.5%
Global shares 22.6%
Emerging market shares 2.2%
International small companies 2.8%
Total international shares 27.6%
Total shares 69.2% (5.8% under)
Total property securities 0.2% (0.2% over)
Australian bonds 4.4%
International bonds 8.9%
Total bonds 13.3% (1.7% under)
Gold and alternatives 17.2% (7.2% over)
Presented visually, below is a high-level view of the current asset allocation of the portfolio. [Chart] Comments The portfolio has increased in value for the fifth consecutive month, and is starting to approach the monthly value last reached in January. The portfolio has grown over $48 000, or 2.7 per cent this month, reflecting the strong market recovery since late March [Chart] The growth in the portfolio was broadly-based across global and Australian equities, with an increase of around 3.8 per cent. Following strong previous rises, gold holdings decreased by around 2.2 per cent, while Bitcoin continued to increase in value (by 2.5 per cent). Combined, the value of gold and Bitcoin holdings remain at a new peak, while total equity holdings are still below their late January peak to the tune of around $50 000. The fixed income holdings of the portfolio continue to fall below the target allocation. [Chart] The expanding value of gold and Bitcoin holdings since January last year have actually had the practical effect of driving new investments into equities, since effectively for each dollar of appreciation, for example, my target allocation to equities rises by seven dollars. New investments this month have been in the Vanguard international shares exchange-traded fund (VGS) and the Australian shares equivalent (VAS). These have been directed to bring my actual asset allocation more closely in line with the target split between Australian and global shares set out in the portfolio plan. As the exchange traded funds such as VGS, VAS and Betashares A200 now make up nearly 30 per cent of the overall portfolio, the quarterly payments they provide have increased in magnitude and importance. Early in the journey, third quarter distributions were essentially immaterial events. Using the same 'median per unit' forecast approach as recently used for half yearly forecasts would suggest a third quarter payout due at the end of September of around $6000. Due to significant announced dividend reductions across this year I am, however, currently assuming this is likely to be significantly lower, and perhaps in the vicinity of $4000 or less. Finding true north: approach to achieving a set asset allocation One of the choices facing all investors with a preferred asset allocation is how strictly the target is applied over time, and what variability is acceptable around that. There is a significant body of financial literature around that issue. My own approach has been to seek to target the preferred asset allocation dynamically, through buying the asset class that is furthest from its target, with new portfolio contributions, and re-investment of paid out distributions. As part of monitoring asset allocation, I also track a measure of 'absolute' variance, to understand at a whole of portfolio level how far it is from the desired allocation. This is the sum of the absolute value of variances (e.g. so that being 3 per cent under target in shares, and 7 per cent over target in fixed interest will equal an absolute variance of 10 per cent under this measure). This measure is currently sitting near its highest level in around 2 years, at 15.0 per cent, as can be seen in the chart below. [Chart] The dominant reason for this higher level of variance from target is significant appreciation in the price of gold and Bitcoin holdings. Mapping the sources of portfolio variances Changes in target allocations in the past makes direct comparisons problematic, but previous peaks of the variance measure matches almost perfectly past Bitcoin price movements. For a brief period in January 2018, gold and Bitcoin combined constituted 20 per cent, or 1 in 5 dollars of the entire portfolio. Due to the growth in other equity components of the portfolio since this level has not been subsequently exceeded. Nonetheless, it is instructive to understand that the dollar value of combined gold and Bitcoin holdings is actually up around $40 000 from that brief peak. With the larger portfolio, this now means they together make up 17.2 per cent of the total portfolio value. Tacking into the wind of portfolio movements? The logical question to fall out from this situation is: to what extent should this drive an active choice to sell down gold and Bitcoin until they resume their 10 per cent target allocation? This would currently imply selling around $130 000 of gold or Bitcoin, and generating a capital gains tax liability of potentially up to $27 000. Needless to say this is not an attractive proposition. Several other considerations lead me to not make this choice:
The problem may solve itself as portfolio grows - Growth and continued investments in the portfolio will tend to reduce the variance caused by gold and Bitcoin. The asset allocation targeting approach I adopt has seen continued contributions to equities, reducing the ability of these alternative assets to add to future variance.
Falls in Bitcoin or gold values will also solve the problem - Conversely, price falls in Bitcoin or gold will tend to reduce the variance issue, and such price falls have significant precedents, with for example Bitcoin holdings falling to a value of around $50 000 as recently as January 2019.
If neither of these happen, there may be bigger issues to solve - The only scenario where neither of these alleviating factors occur is should gold and Bitcoin continue to rapidly appreciate compared to other assets, in which case it is difficult to see the value of reducing exposure now.
Does Bitcoin even fit the asset allocation model? - Bitcoin in particular is not a well established or accepted asset class as yet, so it may not be appropriate to apply traditional allocation rules to it - it may be functioning more as a hedge or option against extreme states of the world. Linked to this is the high degree of volatility in Bitcoin. Adopting too tight a target on Bitcoin holdings would potentially see a need to buy and sell Bitcoin frequently, where my intention is to actually never purchase any more.
This approach is a departure from a mechanistic implementation of an asset allocation rule. Rather, the approach I take is pragmatic. Tracking course drift in the portfolio components As an example, I regularly review whether a significant fall in Bitcoin prices to its recent lows would alter my monthly decision on where to direct new investments. So far it does not, and the 'signal' continues to be to buy new equities. Another tool I use is a monthly measurement of the absolute dollar variance of Australian and global shares, as well as fixed interest, from their ideal target allocations. The chart below sets this out for the period since January 2019. A positive value effectively represents an over-allocation to a sector, a negative value, an under-allocation compared to target. [Chart] This reinforces the overall story that, as gold and Bitcoin have grown in value, there emerges a larger 'deficit' to the target. Falls in equities markets across February and March also produce visibly larger 'dollar gaps' to the target allocation. This graph enables a tracking of the impact of portfolio gains or losses, and volatility, and a better understanding of the practical task of returning to target allocations. Runaway lines in either direction would be evidence that current approaches for returning to targets were unworkable, but so far this does not appear to be the case. A crossing over: a credit card FI milestone This month has seen a long awaited milestone reached. Calculated on a past three year average, portfolio distributions now entirely meet monthly credit card expenses. This means that every credit card purchase - each shopping trip or online purchase - is effectively paid for by average portfolio distributions. At the start of this journey, distributions were only equivalent to around 40 per cent of credit card expenses. As time has progressed distributions have increased to cover a larger and larger proportion of card expenses. [Chart] Most recently, with COVID-19 related restrictions having pushed card expenditure down further, the remaining gap to this 'Credit Card FI' target has closed. Looked at on an un-smoothed basis, expenditures on the credit card have continued to be slightly lower than average across the past month. The below chart details the extent to which portfolio distributions (red) cover estimated total expenses (green), measured month to month. [Chart] Credit card expenditure makes up around 80 per cent of total spending, so this is not a milestone that makes paid work irrelevant or optional. Similarly, if spending rises as various travel and other restrictions ease, it is possible that this position could be temporary. Equally, should distributions fall dramatically below long term averages in the year ahead, this could result in average distributions falling faster than average monthly card expenditure. Even without this, on a three year average basis, monthly distributions will decline as high distributions received in the second half of 2017 slowly fall out of the estimation sample. For the moment, however, a slim margin exists. Distributions are $13 per month above average monthly credit card bills. This feels like a substantial achievement to note, as one unlooked for at the outset of the journey. Progress Progress against the objective, and the additional measures I have reached is set out below. Measure Portfolio All Assets Portfolio objective – $2 180 000 (or $87 000 pa) 84.8% 114.6% Credit card purchases – $71 000 pa 103.5% 139.9% Total expenses – $89 000 pa 82.9% 112.1% Summary What feels like a long winter is just passed. The cold days and weeks have felt repetitive and dominated by a pervasive sense of uncertainty. Yet through this time, this wandering off, the portfolio has moved quite steadily back towards it previous highs. That it is even approaching them in the course of just a few months is unexpected. What this obscures is the different components of growth driving this outcome. The portfolio that is recovering, like the index it follows, is changing in its underlying composition. This can be seen most starkly in the high levels of variance from the target portfolio sought discussed above. It is equally true, however, of individual components such as international equity holdings. In the case of the United States the overall index performance has been driven by share price growth in just a few information technology giants. Gold and Bitcoin have emerged from the shadows of the portfolio to an unintended leading role in portfolio growth since early 2019. This month I have enjoyed reading the Chapter by Chapter release of the Aussie FIRE e-book coordinated by Pearler. I've also been reading posts from some newer Australian financial independence bloggers, Two to Fire, FIRE Down Under, and Chasing FIRE Down Under. In podcasts, I have enjoyed the Mad Fientist's update on his fourth year of financial freedom, and Pat and Dave's FIRE and Chill episodes, including an excellent one on market timing fallacies. The ASX Australian Investor Study 2020 has also been released - setting out some broader trends in recent Australian investment markets, and containing a snapshot of the holdings, approaches and views of everyday investors. This contained many intriguing findings, such as the median investment portfolio ($130 000), its most frequent components (direct Australian shares), and how frequently portfolios are usually checked - with 61 per cent of investors checking their portfolios at least once a month. This is my own approach also. Monthly assessments allow me to gauge and reflect on how I or elements of the portfolio may have wandered off the straight way in the middle of the journey. Without this, the risk is that dark woods and bent pathways beckon. The post, links and full charts can be seen here.
Hello visitors and subscribers of scams! Here you will find a master list of common (and uncommon) scams that you may encounter online or in real life. Thank you to the many contributors who helped create this thread!
If you know of a scam that is not covered here, write a comment and it will be added to the next edition.
Caller ID spoofing It is very easy for anyone to make a phone call while having any number show up on the caller ID of the person receiving the phone call. Receiving a phone call from a certain number does not mean that the person/company who owns that number has actually called you. Email spoofing The "from" field of an email can be set by the sender, meaning that you can receive scam emails that look like they are from legitimate addresses. It's important to never click links in emails unless absolutely necessary, for example a password reset link you requested or an account activation link for an account you created. SMS spoofing SMS messages can be spoofed, so be wary of messages that seem to be from your friends or other trusted people.
The most common scams
The fake check scam (Credit to nimble2 for this part) The fake check scam arises from many different situations (for instance, you applied for a job, or you are selling something on a place like Craigslist, or someone wants to purchase goods or services from your business, or you were offered a job as a mystery shopper, you were asked to wrap your car with an advertisement, or you received a check in the mail for no reason), but the bottom line is always something like this:
The scammer sends you a very real looking, but fake, check. Sometimes they'll call it a "cashier's check", a "certified check", or a "verified check".
You deposit the check into your bank account, and within a couple of days your bank makes some or all of the funds available to you. This makes you think that the check is real and the funds have cleared. However, the money appearing in your account is not the same as the check actually clearing. The bank must make the funds available to you before they have cleared the check because that is the law.
For various and often complicated reasons, depending on the specific story line of the scam, the scammer will ask you to send someone some of the money, using services like MoneyGram, Western Union, and Walmart-2-Walmart. Sometimes the scammer will ask for you to purchase gift cards (iTunes, Amazon, Steam, etc) and give them the codes to redeem the gift cards. Some scammers may also give you instructions on how to buy and send them bitcoins.
Within a couple of weeks, though it can take as long as a month, your bank will realize that the check you deposited was fake, and your bank will remove the funds that you deposited into your account and charge you a bounced check fee. If you withdrew any of the money from the fake check, that money will be gone and you will owe that money to the bank. Some posters have even had their bank accounts closed and have been blocked from having another account for 5 years using ChexSystems.
General fraudulent funds scams If somebody is asking you to accept and send out money as a favour or as part of a job, it is a fraudulent funds scam. It does not matter how they pay you, any payment on any service can be fraudulent and will be reversed when it is discovered to be fraudulent. Phone verification code scams Someone will ask you to receive a verification text and then tell you to give them the code. Usually the code will come from Google Voice, or from Craigslist. In the Google version of the scam, your phone number will be used to verify a Google Voice account that the scammer will use to scam people with. In the Craigslist version of the scam, your phone number will be used to verify a Craigslist posting that the scammer will use to scam people. There is also an account takeover version of this scam that will involve the scammer sending a password reset token to your phone number and asking you for it. Bitcoin job scams Bitcoin job scams involve some sort of fraudulent funds transfer, usually a fake check although a fraudulent bank transfer can be used as well. The scammer will send you the fraudulent money and ask you to purchase bitcoins. This is a scam, and you will have zero recourse after you send the scammer bitcoins. Email flooding If you suddenly receive hundreds or thousands of spam emails, usually subscription confirmations, it's very likely that one of your online accounts has been taken over and is being used fraudulently. You should check any of your accounts that has a credit card linked to it, preferably from a computer other than the one you normally use. You should change all of your passwords to unique passwords and you should start using two factor authentication everywhere. Cartel scam You will be threatened by scammers who claim to be affiliated with a cartel. They may send you gory pictures and threaten your life and the lives of your family. Usually the victim will have attempted to contact an escort prior to the scam, but sometimes the scammers target people randomly. If you are targeted by a cartel scam all you need to do is ignore the scammers as their threats are clearly empty. Boss/CEO scam A scammer will impersonate your boss or someone who works at your company and will ask you to run an errand for them, which will usually be purchasing gift cards and sending them the code. Once the scammer has the code, you have no recourse. Employment certification scams You will receive a job offer that is dependent on you completing a course or receiving a certification from a company the scammer tells you about. The scammer operates both websites and the job does not exist. Craigslist fake payment scams Scammers will ask you about your item that you have listed for sale on a site like Craigslist, and will ask to pay you via Paypal. They are scamming you, and the payment in most cases does not actually exist, the email you received was sent by the scammers. In cases where you have received a payment, the scammer can dispute the payment or the payment may be entirely fraudulent. The scammer will then either try to get you to send money to them using the fake funds that they did not send to you, or will ask you to ship the item, usually to a re-shipping facility or a parcel mule. Craigslist Carfax/vehicle history scam You'll encounter a scammer on Craigslist who wants to buy the vehicle you have listed, but they will ask for a VIN report from a random site that they have created and they will expect you to pay for it. Double dip/recovery scammers This is a scam aimed at people who have already fallen for a scam previously. Scammers will reach out to the victim and claim to be able to help the victim recover funds they lost in the scam. General fraudulent funds scams The fake check scam is not the only scam that involves accepting fraudulent/fake funds and purchasing items for scammers. If your job or opportunity involves accepting money and then using that money, it is almost certainly a frauduent funds scam. Even if the payment is through a bank transfer, Paypal, Venmo, Zelle, Interac e-Transfer, etc, it does not matter. Credit card debt scam Fraudsters will offer to pay off your bills, and will do so with fraudulent funds. Sometimes it will be your credit card bill, but it can be any bill that can be paid online. Once they pay it off, they will ask you to send them money or purchase items for them. The fraudulent transaction will be reversed in the future and you will never be able to keep the money. This scam happens on sites like Craigslist, Twitter, Instagram, and also some dating sites, including SeekingArrangement. The parcel mule scam A scammer will contact you with a job opportunity that involves accepting and reshipping packages. The packages are either stolen or fraudulently obtained items, and you will not be paid by the scammer. Here is a news article about a scam victim who fell for this scam and reshipped over 20 packages containing fraudulently acquired goods. The Skype sex scam You're on Facebook and you get a friend request from a cute girl you've never met. She wants to start sexting and trading nudes. She'll ask you to send pictures or videos or get on webcam where she can see you naked with your face in the picture. The scam: There's no girl. You've sent nudes to a guy pretending to be a girl. As soon as he has the pictures he'll demand money and threaten to send the pictures to your friends and family. Sometimes the scammer will upload the video to a porn site or Youtube to show that they are serious. What to do if you are a victim of this scam: You cannot buy silence, you can only rent it. Paying the blackmailer will show them that the information they have is valuable and they will come after you for more money. Let your friends and family know that you were scammed and tell them to ignore friend requests or messages from people they don't know. Also, make sure your privacy settings are locked down and consider deactivating your account. The underage girl scam You're on a dating site or app and you get contacted by a cute girl. She wants to start sexting and trading nudes. Eventually she stops communicating and you get a call from a pissed off guy claiming to be the girl's father, or a police officer, or a private investigator, or something else along those lines. Turns out the girl you were sexting is underage, and her parents want some money for various reasons, such as to pay for a new phone, to pay for therapy, etc. There is, of course, no girl. You were communicating with a scammer. What to do if you are a victim of this scam: Stop picking up the phone when the scammers call. Do not pay them, or they will be after you for more money. Phishing Phishing is when a scammer tries to trick you into giving information to them, such as your password or private financial information. Phishing messages will usually look very similar to official messages, and sometimes they are identical. If you are ever required to login to a different account in order to use a service, you should be incredibly cautious. The blackmail email scam part 5: https://old.reddit.com/Scams/comments/g8jqnthe_blackmail_email_scam_part_5/ PSA: you did not win a giftcard: https://old.reddit.com/Scams/comments/fffmle/psa_you_did_not_win_a_gift_card/ Sugar scams Sugar scammers operate all over the internet and usually come in two varieties: advance-fee scams where the scammer will ask for a payment from you before sending you lots of money, and fake check style scams where the scammer will either pull a classic fake check scam, or will do a "bill pay" style scam that involves them paying your bills, or them giving you banking information to pay your bills. If you encounter these scammers, report their accounts and move on. Google Hangouts Google Hangouts is a messaging platform used extensively by all kinds of scammers. If you are talking with someone online and they want you to switch to Hangouts, they are likely a scammer and you should proceed with caution. Publishers Clearing House scams PCH scams are often advance-fee scams, where you will be promised lots of money after you make an initial payment. You will never need to pay if you win money from the real PCH. Pet scams You are looking for a specific breed of puppy, bird, or other pet. You come across a nice-looking website that claims to be breeding them and has some available right now - they may even be on sale! The breeders are not local to your area (and may not even list a physical location) but they assure you they can safely ship the pet to you after a deposit or full payment. If you go through with the payment, you will likely be contacted by the "shipper" who will inform you about an unexpected shipping/customs/processing fee required to deliver your new pet. But there was never any pet, both the "breeder" and the "shipper" are scammers, typically operating out of Africa. These sites are rampant and account for a large percentage of online pet seller websites - they typically have a similar layout/template (screenshot - example) If you are considering buying a pet online, some easy things to check are: (1) The registration date of the domain (if it was created recently it is likely a scam website) (2) Reverse image search the pictures of available pets - you will usually find other scam websites using the same photos. (3) Copy a sentence/section of the text from the "about us" page and put it into google (in quotes) - these scammers often copy large parts of their website's text from other places. (4) Search for the domain name and look for entries on petscams.com or other scam-tracking sites. (5) Strongly consider buying/adopting your pet from a local shelter or breeder where you can see the animal in person before putting any money down. Thanks to djscsi for this entry. Fake shipping company scams These scams usually start when you try to buy something illegal online. You will be scammed for the initial payment, and then you will receive an email from the fake shipping company telling you that you need to pay them some sort of fee or bribe. If you pay this, they will keep trying to scam you with increasingly absurd stories until you stop paying, at which point they will blackmail you. If you are involved in this scam, all you can do is ignore the scammers and move on, and try to dispute your payments if possible. Chinese Upwork scam Someone will ask you to create an Upwork or other freelancer site account for them and will offer money in return. You will not be paid, and they want to use the accounts to scam people. Quickbooks invoice scam This is a fake check style scam that takes advantage of Quickbooks. The blackmail email scam The exact wording of the emails varies, but there are generally four main parts. They claim to have placed software/malware on a porn/adult video site, they claim to have a video of you masturbating or watching porn, they threaten to release the video to your friends/family/loved ones/boss/dog, and they demand that you pay them in order for them to delete the video. Rest assured that this is a very common spam campaign and there is no truth behind the email or the threats. Here are some news articles about this scam. The blackmail mail scam This is very similar to the blackmail email scam, but you will receive a letter in the mail. Rental scams Usually on local sites like Craigslist, scammers will steal photos from legitimate real estate listings and will list them for rent at or below market rate. They will generally be hesitant to tell you the address of the property for "safety reasons" and you will not be able to see the unit. They will then ask you to pay them a deposit and they claim they will ship you the keys. In reality, your money is gone and you will have no recourse. Craigslist vehicle scams A scammer will list a vehicle on Craigslist and will offer to ship you the car. In many cases they will also falsely claim to sell you the car through eBay or Amazon. If you are looking for a car on Craigslist and the seller says anything about shipping the car, having an agent, gives you a long story about why they are selling the car, or the listing price is far too low, you are talking to a scammer and you should ignore and move on. Advance-fee scam, also known as the 419 scam, or the Nigerian prince scam. You will receive a communication from someone who claims that you are entitled to a large sum of money, or you can help them obtain a large sum of money. However, they will need money from you before you receive the large sum. Man in the middle scams Man in the middle scams are very common and very hard to detect. The scammer will impersonate a company or person you are legitimately doing business with, and they will ask you to send the money to one of their own bank accounts or one controlled by a money mule. They have gained access to the legitimate persons email address, so there will be nothing suspicious about the email. To prevent this, make contact in a different way that lets you verify that the person you are talking to is the person you think you are talking to. Digit wallet scam A variation of the fake check scam, the scammer sends you money through a digital wallet (i.e. Venmo, Apple Pay, Zelle, Cash App) along with a message claiming they've sent the money to the wrong person and a request to send the money back. Customer service for these digital wallets may even suggest that you send the money back. However, the money sent is from a stolen credit card and will be removed from your account after a few days. Your transfer is not reversed since it came from your own funds. Cam girl voting/viewer scam You will encounter a "cam girl" on a dating/messaging/social media/whatever site/app, and the scammer will ask you to go to their site and sign up with your credit card. They may offer a free show, or ask you to vote for them, or any number of other fake stories. Amateur porn recruitment scam You will encounter a "pornstar" on a dating/messaging/social media/whatever site/app, and the scammer will ask you to create an adult film with hehim, but first you need to do something. The story here is usually something to do with verifying your age, or you needing to take an STD test that involves sending money to a site operated by the scammer. Hot girl SMS spam You receive a text from a random number with a message along the lines of "Hey babe I'm here in town again if you wanted to meet up this time, are you around?" accompanied by a NSFW picture of a hot girl. It's spam, and they'll direct you to their scam website that requires a credit card. Identity verification scam You will encounter someone on a dating/messaging/social media/whatever site/app, and the scammer will ask that you verify your identity as they are worried about catfishing. The scammer operates the site, and you are not talking to whoever you think you are talking to. This type of scam teases you with something, then tries to make you sign up for something else that costs money. The company involved is often innocent, but they turn a blind eye to the practice as it helps their bottom line, even if they have to occasionally issue refunds. A common variation takes place on dating sites/dating apps, where you will match with someone who claims to be a camgirl who wants you to sign up for a site and vote for her. Another variation takes place on local sites like Craigslist, where the scammers setup fake rental scams and demand that you go through a specific service for a credit check. Once you go through with it, the scammer will stop talking to you. Another variation also takes place on local sites like Craigslist, where scammers will contact you while you are selling a car and will ask you to purchase a Carfax-like report from a specific website. Multi Level Marketing or Affiliate Marketing You apply for a vague job listing for 'sales' on craigslist. Or maybe an old friend from high school adds you on Facebook and says they have an amazing business opportunity for you. Or maybe the well dressed guy who's always interviewing people in the Starbucks that you work at asks if you really want to be slinging coffee the rest of your life. The scam: MLMs are little more than pyramid schemes. They involve buying some sort of product (usually snake oil health products like body wraps or supplements) and shilling them to your friends and family. They claim that the really money is recruiting people underneath you who give you a slice of whatever they sell. And if those people underneath you recruit more people, you get a piece of their sales. Ideally if you big enough pyramid underneath you the money will roll in without any work on your part. Failure to see any profit will be your fault for not "wanting it enough." The companies will claim that you need to buy their extra training modules or webinars to really start selling. But in reality, the vast majority of people who buy into a MLM won't see a cent. At the end of the day all you'll be doing is annoying your friends and family with your constant recruitment efforts. What to look out for: Recruiters love to be vague. They won't tell you the name of the company or what exactly the job will entail. They'll pump you up with promises of "self-generating income", "being your own boss", and "owning your own company." They might ask you to read books about success and entrepreneurs. They're hoping you buy into the dream first. If you get approached via social media, check their timelines. MLMs will often instruct their victims to pretend that they've already made it. They'll constantly post about how they're hustling and making the big bucks and linking to youtube videos about success. Again, all very vague about what their job actually entails. If you think you're being recruited: Ask them what exactly the job is. If they can't answer its probably a MLM. Just walk away.
You should generally avoid answering or engaging with random phone calls. Picking up and engaging with a scam call tells the scammers that your phone number is active, and will usually lead to more calls. Tax Call You get a call from somebody claiming to be from your countries tax agency. They say you have unpaid taxes that need to be paid immediately, and you may be arrested or have other legal action taken against you if it is not paid. This scam has caused the American IRS, Canadian CRA, British HMRC, and Australian Tax Office to issue warnings. This scam happens in a wide variety of countries all over the world. Warrant Call Very similar to the tax call. You'll get a phone call from an "agent", "officer", "sheriff", or other law enforcement officer claiming that there is a warrant out for your arrest and you will be arrested very soon. They will then offer to settle everything for a fee, usually paid in giftcards. [Legal Documents/Process Server Calls] Very similar to the warrant call. You'll get a phone call from a scammer claiming that they are going to serve you legal documents, and they will threaten you with legal consequences if you refuse to comply. They may call themselves "investigators", and will sometimes give you a fake case number. Student Loan Forgiveness Scam Scammers will call you and tell you about a student loan forgiveness program, but they are interested in obtaining private information about you or demanding money in order to join the fake program. Tech Support Call You receive a call from someone with a heavy accent claiming to be a technician Microsoft or your ISP. They inform you that your PC has a virus and your online banking and other accounts may be compromised if the virus is not removed. They'll have you type in commands and view diagnostics on your PC which shows proof of the virus. Then they'll have you install remote support software so the technician can work on your PC, remove the virus, and install security software. The cost of the labor and software can be hundreds of dollars. The scam: There's no virus. The technician isn't a technician and does not work for Microsoft or your ISP. Scammers (primarily out of India) use autodialers to cold-call everyone in the US. Any file they point out to you or command they have you run is completely benign. The software they sell you is either freeware or ineffective. What to do you if you're involved with this scam: If the scammers are remotely on your computer as you read this, turn off your PC or laptop via the power button immediately, and then if possible unplug your internet connection. Some of the more vindictive tech scammers have been known to create boot passwords on your computer if they think you've become wise to them and aren't going to pay up. Hang up on the scammers, block the number, and ignore any threats about payment. Performing a system restore on your PC is usually all that is required to remove the scammer's common remote access software. Reports of identity theft from fake tech calls are uncommon, but it would still be a good idea to change your passwords for online banking and monitor your accounts for any possible fraud. How to avoid: Ignore any calls claiming that your PC has a virus. Microsoft will never contact you. If you're unsure if a call claiming to be from your ISP is legit, hang up, and then dial the customer support number listed on a recent bill. If you have elderly relatives or family that isn't tech savvy, take the time to fill them in on this scam. Chinese government scam This scam is aimed at Chinese people living in Europe and North America, and involves a voicemail from someone claiming to be associated with the Chinese government, usually through the Chinese consulate/embassy, who is threatening legal action or making general threats. Chinese shipping scam This scam is similar to the Chinese government scam, but involves a seized/suspicious package, and the scammers will connect the victim to other scammers posing as Chinese government investigators. Social security suspension scam You will receive a call from someone claiming to work for the government regarding suspicious activity, fraud, or serious crimes connected to your social security number. You'll be asked to speak to an operator and the operator will explain the steps you need to follow in order to fix the problems. It's all a scam, and will lead to you losing money and could lead to identity theft if you give them private financial information. Utilities cutoff You get a call from someone who claims that they are from your utility company, and they claim that your utilities will be shut off unless you immediately pay. The scammer will usually ask for payment via gift cards, although they may ask for payment in other ways, such as Western Union or bitcoin. Relative in custody Scammer claims to be the police, and they have your son/daughtenephew/estranged twin in custody. You need to post bail (for some reason in iTunes gift cards or MoneyGram) immediately or the consequences will never be the same. Mexican family scam This scam comes in many different flavours, but always involves someone in your family and Mexico. Sometimes the scammer will claim that your family member has been detained, sometimes the scammer will claim that your family member has been kidnapped, and sometimes the scammer will claim that your family member is injured and needs help. General family scams Scammers will gather a large amount of information about you and target your family members using different stories with the goal of gettimg them to send money. One ring scam Scammers will call you from an international number with the goal of getting you to return their call, causing you to incur expensive calling fees.
Online shopping scams
THE GOLDEN RULE OF ONLINE SHOPPING: If it sounds too good to be true, it probably is. Dropshipping An ad on reddit or social media sites like Facebook and Instagram offers items at huge discounts or even free (sometimes requiring you to reblog or like their page). They just ask you to pay shipping. The scam: The item will turn out to be very low quality and will take weeks or even months to arrive. Sometimes the item never arrives, and the store disappears or stops responding. The seller drop-ships the item from China. The item may only cost a few dollars, and the Chinese government actually pays for the shipping. You end up paying $10-$15 dollars for a $4 item, with the scammer keeping the profit. If you find one of these scams but really have your heart set on the item, you can find it on AliExpress or another Chinese retailer. Influencer scams A user will reach out to you on a social media platform, usually Instagram, and offer you the chance to partner with them and receive a free/discounted product, as long as you pay shipping. This is a different version of the dropshipping scam, and is just a marketing technique to get you to buy their products. Triangulation fraud Triangulation fraud occurs when you make a purchase on a site like Amazon or eBay for an item at a lower than market price, and receive an item that was clearly purchased new at full price. The scammer uses a stolen credit card to order your item, while the money from the listing is almost all profit for the scammer. Instagram influencer scams Someone will message you on Instagram asking you to promote their products, and offering you a discount code. The items are Chinese junk, and the offer is made to many people at a time. Cheap Items Many websites pop up and offer expensive products, including electronics, clothes, watches, sunglasses, and shoes at very low prices. The scam: Some sites are selling cheap knock-offs. Some will just take your money and run. What to do if you think you're involved with this scam: Contact your bank or credit card and dispute the charge. How to avoid: The sites often have every brand-name shoe or fashion item (Air Jordan, Yeezy, Gucci, etc) in stock and often at a discounted price. The site will claim to be an outlet for a major brand or even a specific line or item. The site will have images at the bottom claiming to be Secured by Norton or various official payment processors but not actual links. The site will have poor grammar and a mish-mash of categories. Recently, established websites will get hacked or their domain name jacked and turned into scam stores, meaning the domain name of the store will be completely unrelated to the items they're selling. If the deal sounds too good to be true it probably is. Nobody is offering brand new iPhones or Beats or Nintendo Switches for 75% off. Cheap Amazon 3rd Party Items You're on Amazon or maybe just Googling for an item and you see it for an unbelievable price from a third-party seller. You know Amazon has your back so you order it. The scam: One of three things usually happen: 1) The seller marks the items as shipped and sends a fake tracking number. Amazon releases the funds to the seller, and the seller disappears. Amazon ultimately refunds your money. 2) The seller immediately cancels the order and instructs you to re-order the item directly from their website, usually with the guarantee that the order is still protected by Amazon. The seller takes your money and runs. Amazon informs you that they do not offer protection on items sold outside of Amazon and cannot help you. 2) The seller immediately cancels the order and instructs you to instead send payment via an unused Amazon gift card by sending the code on the back via email. Once the seller uses the code, the money on the card is gone and cannot be refunded. How to avoid: These scammers can be identified by looking at their Amazon storefronts. They'll be brand new sellers offering a wide range of items at unbelievable prices. Usually their Amazon names will be gibberish, or a variation on FIRSTNAME.LASTNAME. Occasionally however, established storefronts will be hacked. If the deal is too good to be true its most likely a scam. Scams on eBay There are scams on eBay targeting both buyers and sellers. As a seller, you should look out for people who privately message you regarding the order, especially if they ask you to ship to a different address or ask to negotiate via text/email/a messaging service. As a buyer you should look out for new accounts selling in-demand items, established accounts selling in-demand items that they have no previous connection to (you can check their feedback history for a general idea of what they bought/sold in the past), and lookout for people who ask you to go off eBay and use another service to complete the transaction. In many cases you will receive a fake tracking number and your money will be help up for up to a month. Scams on Amazon There are scams on Amazon targeting both buyers and sellers. As a seller, you should look out for people who message you about a listing. As a buyer you should look out for listings that have an email address for you to contact the person to complete the transaction, and you should look out for cheap listings of in-demand items. Scams on Reddit Reddit accounts are frequently purchased and sold by fraudsters who wish to use the high karma count + the age of the account to scam people on buy/sell subreddits. You need to take precautions and be safe whenever you are making a transaction online. Computer scams Virus scam A popup or other ad will say that you have a virus and you need to follow their advice in order to remove it. They are lying, and either want you to install malware or pay for their software.
Chinese Brushing / direct shipping If you have ever received an unsolicited small package from China, your address was used to brush. Vendors place fake orders for their own products and send out the orders so that they can increase their ratings. Money flipping Scammer claims to be a banking insider who can double/triple/bazoople any amount of money you send them, with no consequences of any kind. Obviously, the money disappears into their wallet the moment you send it.
Many thanks to u/kvramji and u/inertia_2017 whose original Acorns (and subsequently Raiz) guide this is built on top of (with a few FAQs from Raiz themselves). This post was last updated on October 23, 2020, and I'll endeavour to update it periodically. What is Raiz? Raiz is a financial service, helping you to save and invest your money. They enable Australians to start early, invest often, and reach their financial goals. How does Raiz work? Raiz helps you proactively invest. One key feature is round-ups; we round up each of your transactions to the nearest dollar, and invest the change into a diversified portfolio. Simply connect a debit card, or other funding source, then provide us with some basic information. We give you the option of choosing a portfolio that is in line with your investment goals and the amount of risk you’re comfortable taking. Note that Raiz offers other great ways of investing besides round-ups, for more info please see this article. What are the fees? Once an account is opened, there are no fees on $0 balances and after that there is a monthly fee as follows:
An rough idea of monthly fees on a range of balances can be seen below:
Average Monthly Balance
All portfolios (exc. Sapphire)
Any other fees, including any future changes can be found here. Raiz Beginners Guide What’s Dollar Cost Averaging (DCA)? Dollar Cost Averaging is basically spreading your investments in such a way that you can take advantage of the ever fluctuating daily price of stocks. The best example of this concept is given in a simple example here. What do you mean by Portfolio? Raiz uses the money which is put into the app by making you pick a type of profile which is differentiated from one another by the risk involved, as well as a few other characteristics (socially responsible, or an exposure to Bitcoin). The risk factor varies, depending on the portfolio. A breakdown based on portfolio can be found in the table below, including the minimum suggested investment timeframe (MSIT):
Risk Level (Raiz Defined)
Low to Moderate
Moderate to High
3 to 5 years
5 to 7 years
Moderate to High
3 to 5 years
NOTE: Once you decide which portfolio to go by, try to not change between portfolios if you see a loss in the value of the account initially. Stick by it and don’t keep changing portfolio, because you might lose more while changing portfolio because it involves selling and buying stocks at different rates. What portfolio should I pick? Common question. It all depends on the amount of risk you are willing to take. There are also portfolios available if you'd prefer a socially responsible portfolio, or an exposure to Bitcoin. The longer you intend to hold your money in your account, the higher risk you might be willing to take. NOTE: Do NOT panic when you see a down day with a loss against your portfolio. The BEST thing you can think of is DCA. If you have set up recurring investments, you are going to see gains as soon as the stocks go up in price. Which portfolio performs the best? Common question. Raiz releases an annual report that provides a summary of portfolio performance, typically in August. Portfolio performance for the past two years, for all portfolios (excluding Sapphire) can be found here. Something to note: past performance is not a reliable indicator of future performance. Just because a portfolio has done well over the years, it is no guarantee that will continue to be the case, and things such as pandemics, market crashes and the like do happen. Pick a portfolio that suits your needs. What is Raiz Rewards? This is a feature in Raiz which gives you some percentage of the money spent for purchasing with vendors they have tie ups with. The method that you use varies slightly for online and in store purchases. Online Vendors To ensure you can get the rewards, go to your PC to the online retail store and add items to the cart. Make sure you go via the Raiz website (or App) to the vendor either on the PC or mobile. Finalize the payments via the link that Raiz takes you by and finish the purchase. In Store Vendors To ensure you can get the rewards, go to your App, click Rewards -> In-Store. Click the vendor option, and select 'Activate Now'. Then, go shopping in store with that reward partner. Make sure you use a card that is linked to your Raiz account. Payment of Rewards This percentage that is listed in Raiz Rewards can take up to 90 days (typically 30 days for online, 90 days for in store purchases/Raiz Energy) to show up under the Raiz Rewards column in the "History" window in the mobile app. The percentage varies with each vendor. What about dividends? Dividends get paid periodically on the ETF holdings that you have, proportional to the amount of each ETF you own on as of the ex-dividend date. These dividends are invested into your Raiz account, approximately one business day after payment date. Raiz run an annual blog post outlining the dates that dividends are expected to be paid (they vary slightly). That can be found here. What about taxes? Raiz will provide you with tax information at the end of financial year which tells you how to report any earnings from your Raiz account. It comes in the form of a Tax Statement, and is typically available in the third week of July. This can be found in app by going to My Settings -> Support -> View Statements How long do transactions stay in pending? Raiz typically takes up to five business days for taking the money from your account and buying shares and for it to show up as processed. So don’t panic if it takes a few days. It’s a common thing. Well I've read through this and I've got another issue - where can I go for help? The Raiz Support crew are available to help you out with your Raiz issues. I've had personal experiences in the past where I've needed a hand, and they've been really great. You can find more info on how to contact them on the Raiz Support webpage. Or hit them up on Twitter, Facebook, etc.
Proof: https://imgur.com/a/7xQGIbC All prices based on spot price of gold @ $1,970/oz , silver @ $24.25/oz, platinum @ $915/oz (7/31/20). Prices good with gold spot below $1990, silver below $25. I am not a coin grader. The condition of any coin listed is how it was listed when I acquired it. I will be more than happy to provide any detailed, unedited photos for any coin. Unless specifically mentioned, assume coins are in generally good condition. Noticeable defects potentially affecting the value will attempt to be noted. I try to price my items substantially below the lowest price I can find online from a national dealer. If you see a legitimate cheaper price, let me know and I may very well adjust my price. FYI, I am in Eastern time zone if I do not respond, may be sleeping. PLATINUM LISTINGS Proof:https://imgur.com/a/FcUg9BV Physical platinum has been hard to come by and premiums have been high. Lucky to have these to list: 1 oz Argor-Heraeus Platinum Bars in assay x 10 9 8 — $990/ea (spot plus $75) GOLD LISTINGS Proof: https://imgur.com/a/bGofCRx 2009-W Ultra High Relief Proof St. Gauden 24K in OGP. Quite simply, this may be the coolest coin I have ever seen! — $2,250 1 oz slabbed American Gold Eagle 25th Anniversary Early Release, MS70 NGC (2011) — $2,150 (Note: slab has some scratches on it, the coin is fine) 1924 slabbed $20 St. Gaudens gold double eagle, MS63 PCGS — $2,050 1925 Slabbed $20 St. Gaudens gold double eagle, MS64 PCGS -- $2,275 1911-S Slabbed $20 St. Gaudens gold double eagle, MS63 Blanchard — $2,200 1910 Raw $20 St. Gauden gold double eagle — $2,025 $10 Gold Liberty Head x 2 (1894, 1899) — $1,010/ea 2018-W Slabbed First Strike PCGS MS70 American Gold Eagle — $2,175 Cleaned 1899 $5 Liberty head gold coin — $535 2002 slabbed Salt Lake City Olympics $5 gold commemorative, MS69 PCGS (0.2419 oz) — $485 Proof: https://imgur.com/a/bGofCRx 100gm (10x10) Valcambi Combicard in assay. Individually @ $73/ea x 100. I will risky ship up to 3 of these in an envelope for $1 @ buyer’s risk. It will not be tracked and I do not like doing it. Would prefer $4 bubble mailer, but buyer’s choice. 1 oz gold bars in assay [Valcambi x 2 1, Sunshine Mint, PAMP Religious Romanesque (Note: some peeling of clear cover for PAMP — pictures if desired)] — $2,030 1 oz Credit Suisse gold bar, in plastic but not assay — $2,030 Sterngold, 99.95%, used in making dental alloys, 1gm each x 30. This is a unique item not likely to be found in many collector’s stash. I will risky ship up to 3 of these in an envelope for $1 @ buyer’s risk. It will not be tracked and I do not like doing it. Would prefer $4 bubble mailer, but buyer’s choice— $71/ea Proof: https://imgur.com/a/wa1mLWZ 1oz American Gold Eagle, BU (1989, Roman numerals) — $2,060 1oz American Gold Eagle (1986, Roman numerals) — $2060 1 oz gold Pandas (1987, 2011) — 1987 sealed, BU — $2,175 ; 2011, uncirculated — $2,250 1 oz Gold Apartheid era South African Krugerrands x 42 (1975 x 2, 1977, 1978, 1979 x 27, 1980, 1981 x 8, 1982, 1984) — $2,040/ea 1 oz Gold American Buffalos (2016 x 1, 2006 x 2) [NOTE: both 2006 have a slight ding on the rim. Sealed in plastic, not ex-jewelry, but slight ding. Photos if desired)] — $2,070 for 2016, $2,065/ea for 2006’s with ding 1 oz Gold Brittania, BU (2020) — $2,065 1 oz unique Canada Golden Eagle, BU (2018). This is .99999 pure (that is five 9’s). Highest purity I am aware of — $2,070 1 oz Gold Austrian Philharmonics, BU (1994 x 1, 1999 x 1) — $2,040/ea 1 oz Gold Canadian Maple Leafs x 8 (1980 x 2, 1981, 2002 with red on “F” of fine gold on reverse, 2002 x 3 with some small scratches, 2011) — $2050/ea 1/4 oz American Gold Eagles x 6 4 (1988 Roman Numeral, 2013, 2014, 2015 x 2, 2020) — $565/ea 1/10oz American Gold Eagles in display (5 coins), BU (2006, 2012) — $1,200/ea Empty case to display your own set of 5 1/10 oz American Gold Eagles— $10 1/4oz Gold Brittanias, BU (2013 x4) — $600/ea 50 Pesos Mexican Gold x 10 (1947 Restrikes x 8, 1943, 1944) — $2,460/ea for restrikes, $2,470/ea for ’43, ’44 1/2 oz Gold Apartheid era South African Krugerrands x 3 (1980 x 2, 1981) — $1,100/ea 1/10 oz Gold Apartheid era South African Krugerrands x 2524 23 (various dates 1980-1984, 2011 (not apartheid era) x 1) — $240/ea 1/10 oz American Gold Eagles (various dates x 43, Roman numeral x 11 7) x 5450 45 — $240/ea for various dates, $260/ea Roman numeral dates Proof: https://imgur.com/a/KCjdPAy 2006 American Gold Eagle Proof Set (1 oz, 1/2 oz, 1/4 oz, 1/10 oz — 1.85 total troy oz) in OGP — $3,875 1997 Jackie Robinson $5 gold commemorative set. Comes with COA, baseball card, pin, patch, presentation box. There are some dings on the box. Pictures if desired. (0.2419 oz) — $700 (A portion of the proceeds will go toward a reputable social justice charity) 1987 & 1988 UK Gold Sovereign Proof Sets in nice case (each set has a Double Sovereign: 28.4mm, Sovereign: 22.05mm, Half Sovereign: 19.3mm) -- $1,850/each set (NOTE: the 1988 set is missing the COA.) Austrian Ducat 4 gold coin x 2 (1915 x 2 ), 0.4438 tory oz gold — $895/ea 20 Francs Gold x 2015 6 (1110 4 — Roosters, 54 2 -- Swiss Francs, 4 1-French Empire), 0.1867 troy oz of gold/ea — $380/ea Netherlands Gold 10 Guilder x 5, contain 0.1947 troy oz/ea (1926 x 2, 1927, 1932, 1933) — $470/ea Gold Libertad 1/20 oz (2016) — $200 OBO Gold Libertad 1/10 oz, BU (2016) — $340 OBO Gold Libertad 1/10 oz proof (2016) — $350 OBO Gold Sovereigns x 5 1, contain 7.315g gold/ea (1902, 1911, 1927 x 2 x 1, 1928) — $475/ea 1/4 oz Gold Canadian Maple (2005) — $565 Proof: https://imgur.com/a/VXzaDUN Late Addition: 5 3 additional 1976 1 oz Krugerrands — $2,040/ea 6 additional Pandas: Don’t ask me why the premiums on Pandas are so high. They just are. I tried to price about $20+ dollars below the cheapest I could find them online at large dealers. If you find a legitimate lower price, let me know and I may very well adjust the price. 1985 — $2,150, 1987 — $2,120, 1988 — $2,095, 1990 — $2,150, 1991 — $2,150, 2002 — $2,200, 2011 — $2,240 26 25 1/10 oz Australian Battle of the Coral Sea Battle in the Pacific, in capsules — $225/ea 14 additional Netherlands gold 10 guilders — $470/ea LOW PREMIUM LISTINGS Proof: https://imgur.com/a/jlE0Xuu All the time I see posts looking for precious metals “at or near spot.” Well here is your chance. If you don’t purchase these, then you are not really looking for gold at or near spot, you are looking for premium items without the premium. Those deals may be out there, but they are few and far between, with lines of buyers looking to snap them up, including myself. Items here will generally be available for spot + <2%. To get a physical form of a precious metal refined, assayed, and produced into an identifiable and verifiable form/weight/purity for a tad above spot is pretty darn good, regardless of the collectability of the item. I see people paying more premium for scrap gold than some of these. 1976 Canadian Montreal Olympic $100 commemorative (one in OGP (signs of wear), one loose with OGP in worn state but coin is fine, 0.25 oz each). You are not purchasing these for the packaging. — $500/ea American Arts Gold Medallion Grant Wood, 1 troy oz — $2,005 2010 US Mint First Spouse Series Gold Uncirculated Mary Todd Lincoln 1/2 troy oz in OGP, NOTE: red spot on obverse (See Photo) — $1,005 Cleaned, ex-jewelry $5 Liberty head gold coin (1900, 1906 ), Note: some rim damage, will send photos if desired — $485/ea JEWELRY LISTINGS Proof: https://imgur.com/a/QEVcW0F CRESCENT sterling silver pocket watch case, twist on bezel. Marked with CRESCENT, Sterling, serial number 4188. Amateur engraving with a marked name and 1919. Weighs over 100 grams!!! Pre-owned, with expected signs of tarnish and wear. A ding on back of case (see photo close up) — $75 1913 $5 Indian Head gold coin in 14K bezel, bezel weighs 1.30g — $575 2014 1/10 oz American Gold Eagle in 14K eagle pendant, bezel weighs 3.487g — $400 SILVER LISTINGS Proof: https://imgur.com/a/MTK1BfP Proof: https://imgur.com/a/54maJxn 25 Slabbed and Graded American Silver Eagles — Whole lot for $1,000 OBO. May make offers on individual rounds. (SOLD '92. '93, '14W) For reference, on 8/15, APMEX wholesale site is asking $100/ea for the ‘94’s. Offering to buy ‘14-S for $50 and the NGC MS70 for $120.
—ALL NGC MS69 — 1992, 1993, 1994 x 3, 2000, 2001 x 2, 2002, 2003, 2006, 2007 —ALL NGC MS69 — 2007 Early Release x 7 —NGC MS69 — 2014(W) —NGC MS69 — 2013 First Release —PCGS MS69 — 2008 First Strike —PCGS MS69 — 2014(S) First Strike —PCGS MS69 — 2003 —NGC MS70 — 2003
100 oz silver bars (Engelhard x 1, Ohio Precious Metals —don’t believe they will be making either of these anymore) — $2,775 /ea 20 oz Scottsdale kit kat bars (2) — $555/ea (1 left) 10 oz Queen's Beasts Series Falcons x 4 — $400/ea 2 oz Queen's Beasts Series -- tubes of Falcons x 4 ($800/ea), Yales x 4 ($580/ea) 1 oz Sunshine Minting Silver Bars x 237 199 — $28.50/ea 1 roll 2006 90% San Francisco Mint Proof Colorado State Washington Quarters — $210 (NOTE: it looks like there might be some small surface scratches on some of the coins. Therefore, they are being priced as just uncirculated.) Men in Space Series I First Edition, .925 commemorative medals x 2 sets. These are not just sterling silver medals but history depicting the major events in the early years of NASA. https://www.worthpoint.com/worthopedia/danbury-mint-men-space-series-first-411707135 One set in original presentation packaging just like the link. One set loose with a few extra medals (2 additional medals from the 1969 Men in Space series II — 2nd Moon Landing, 1st Space Rescue; one duplicate medal from series I, and one additional First Manned Landing on the Moon Apollo 11 (slightly larger, from unknown series to me)). Sold in lots only. Lot with packaging (21 medals, 0.7 oz each) — $360. Loose lot (25 medals, 0.7 oz each plus 1 slightly larger Appollo 11 as above) — $375 Proof: https://imgur.com/gallery/hRX6XlB Mexican Silver Lot -- Sold in lots of (10) @ $175/lot. YOU MAY MIX/MATCH —1952-53 Mexican 5 Pesos Hidalgo, 72% silver, 0.643 troy oz silvecoin (x10) —1977-79 Mexican 100 Pesos, 72% silver, 0.643 troy oz silvecoin (x10) —1968— Mexican Olympic 25 Pesos, 72% silver, 0.521 troy oz silvecoin (x20) 1973 Mundinero World Trade rounds x 2 tubes — $600/ea 1973 Mundinero World Trade Rounds with 14 of the 20 being High Relief — $640 Generic Rounds (mostly buffalos, I believe ) x 10 tubes — $560/tube Few loose generic rounds x 6 — $28/ea 2 Painted American Silver Eagles — $30/ea ’84-’85 Engelhard Prospector Rounds x 2 tubes — One tube of (20) — $660; One tube of (17) — $560 Canadian Maple Tubes of 25 x 3 (2012 x 2, 2008 x 1, NOTE: 2008 rounds have some milk spots) — $725/tube Proof: https://imgur.com/a/XnRiLPW Lot of 17 premium rounds: Philharmonics x4, Brittanias x 5, 2018 Republic Of Chad African Lion x 2, Krugerrands x 3, Australian Kangaroo x 1, Super Pit Australia x 2 — $488. Sold only as a lot. Lot of fractional silver rounds, 1.35 ASW — 1/4 oz indian head, 1/4 oz walking liberty, 1/4 oz buffalo nickel, 1/10 oz indian head x 3, buffalo x 1, Morgan x 1 — $44. Sold only as a lot. LOW PREMIUM LISTINGS Proof: https://imgur.com/a/R9NuZj8 All the time I see posts looking for precious metals “at or near spot.” Well here is your chance. If you don’t purchase these, then you are not really looking for silver at or near spot, you are looking for premium items without the premium. Those deals may be out there, but they are few and far between, with lines of buyers looking to snap them up, including myself. Items here will generally be available for spot + <2%. To get a physical form of a precious metal refined, assayed, and produced into an identifiable and verifiable form/weight/purity for a tad above spot is pretty darn good, regardless of the collectability of the item. I see people paying more premium for scrap than some of these. Silver war nickels @ $1.36/ea (BELOW SPOT), 8,500+ available, minimum quantity of 100 Large lot of Canadian — further info on request. Prefer to sell this in larger lots grouped together, not piecing it out or small lots. Take the whole lot for $3,000, or:
—$1.75fv, .925 — $33 —$20.25fv, ’67-’68, 50% (mostly all quarters) — $185 —$164.35fv, pre ’67, 80% (includes 65 $1) — $2,400 —1976 Montreal Olympic .925 $10 commemoratives x 9, 1.4454 troy oz/ea — $40/ea —1972 .925 $25 Cayman Island Silver Anniversary x 1, 1.5271 troy oz — $42.50
TERMS: All eligible items are verified with a sigma precious metal verifier or Kee gold tester. Prices are generally based on the underlying spot price. Large fluctuations in spot prices could affect the price of items listed. Shipping will generally be at cost. USPS first class starts @ $4, SFRB @ $8.50, signature @ $2.50. Will insure for 1.1% of purchase price. Shipping is at buyer’s risk. All items will be tracked, but I cannot be responsible for what happens on your porch. Would recommend delivery to a secure box for precious metals. Accept in order of preference: 1st — Zelle or Venmo; 2nd — PPFF (no comments), PPG&S @ +3.0%; Last resort: I have recently acquired the ability to accept Bitcoin, but am still learning. Be patient and fees will be at buyer’s expense, but I will try to work with you if other options do not suffice. Other forms of payment will be considered. Thank you!
[WTS] St Gaudens, Gold Liberty Eagles, Fractional Krugerrand, French Roosters, Sovereigns, Ducats, and lots of AWESOME SILVER!! Bitcoin / Crypto discounts!!
Proofity Proof with VIDEO!! Prices will expire if gold or silver moons. Spot right now Gold ~$1950, Silver ~ $27.25 Disclaimers: Payment New buyers (<20 trades) Must pay via Zelle, Crypto, or Postal Money Order. Sorry, no exceptions. Established buyers PM for payment options. DISCOUNTS Discounts are available if you pay with Bitcoin, ETH, or XMR!! PM me your order and we’ll work something out. Minimum Order: $100, If you are a bit under that's fine. I just don’t want to pack a million items. Shipping is $5 for less than 8oz else $8 for Priority. Reasonable offers accepted
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