ye i do sometimes take bits to my local bullion shop to sell if i ever need some kind of quick cash, i Really try not to sell my bullion though unless its like a Proper emergency.. like My dog need Vet bill or some un expected emergency that may pop up..
My rule is i never touch my actual " big " investment of physical bullion, , ill always only ever sell my silver / gold at Spot price , if anyone ever offered me less then spot id tell em to shove it where the sun dont shine. While some may list it on Ebay if they have time too let it sit around and get offers, you can get abit over spot this way, but it really depends on the situation you are in.
me personally, i never have wads of cash because Whenever your bills are paid in full and you have a pocketful of money that'll probably be blown on something stupid , it's time to buy some gold and silver for the stack
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