Category Archives: Useful Information

轉載:如何處理銀幣

一篇很實際的文章跟大家分享。

Ref: http://www.topworldcoins.de/news/handling-proof.html

You’ve become a lucky owner of a brand-new collectible proof coin. You open the mail package, craving to hold your precious coin and feel the cold metal with your fingers… And what do you find? Your long-awaited coin is packed in a transparent plastic box! You start looking for a screwdriver or a knife to get rid of that last obstacle… Stop!

This is the number one rule — never, ever open that transparent plastic capsule, often called the lens. It is specially designed to showcase the coin and at the same time to prevent it from being damaged. Maybe it will be tempting but proof coins should never be taken out of the capsules they arrive in. Otherwise one single fingerprint may destroy all it’s collectible value.

Let’s imagine that there is some very important reason to take your proof coin out of the capsule – for example, to put it in a new capsule because the original one got damaged in some way. And here we meet rule number two — the only part of the coin you can touch is the edge!

Rule number three — never ever touch your coin with bare fingers, even the edges! You should always wear special soft cotton gloves and/or use a special pair of tweezers with protected tips. You should pick the coin with your primary hand, gripping it firmly with the thumb and the forefinger — this is the most secure grip. If you touch the mirror part of the coin with unprotected finger, there will be no chance of removing the fingerprint without damaging the coin. Keep in mind that a couple of papillary lines and even a single line can drastically reduce the value of the proof coin.

If you are going to pull your coin out of the box — do it above a soft surface to reduce damage in case you accidentally drop it.  Also, make sure that the room is free of dust.

When the proof coin is already out — you should wear a medical mask to prevent drops of saliva and other organic fluids from getting on a coin in case you will sneeze, or cough, or talk.

Plan what you’ll do with the coin before you open the mint protective packaging or the capsule. If you want to take a photo of the coin, set the light and camera in advance.

Rule number four — if some dust managed to get on the proof coin, the only way to remove it is the squirrel fur brush or an air bulb. Never wipe your coins with cloth, even the softest cloth will scrape proof coin’s surface.

Rule number five — sore your coin collection in a dry place with stabile temperature and keep it away from direct sunlight. It will help you to retain the beauty and value of your treasures.

P.S. If after some time you’ll find out that there are some “milk spots” on the coin, don’t open the capsule to clean it off. It is not your fault; they’ve been there invisible from the start and just developed with the passing of time. You won’t be able to remove it.

Coin of the Year (COTY) 年度硬幣大奬

有留意外國錢幣的網友應該會聽過 Coin of the Year 這個大獎。這個由美國 Krause Publications 主辦的獎項,每年都按幾個大項選出該項最佳硬幣,2013 年度的提名名單是 2011年推出的各種硬幣,2013年1月在德國柏林公佈得獎名單。奬項如下:

  • Most Historically Significant Coin
  • Best Contemporary Event
  • Best Gold Coin
  • Best Silver Coin
  • Best Crown Coin
  • Best Trade Coin
  • Most Popular Coin
  • Most Artistic Coin
  • Most Innovative Coinage
  • Most Inspirational Coinage

在以上的項目中,我個人特別留意其中兩項,其中一樣當是是 Best Silver Coin 了。其次就是硬幣的藝術設計,因為我視其中一部份的銀幣為藝術品,當然要看其藝術價值。我 highlight 了幾個香港網友可能曾經注意到的銀幣。

Best Silver Coin

  • Armenia – KM# 196, 500 Dram, One Ounce Silver, Noah’s Ark
  • Canada – KM# 1176, 20 Dollar, Silver, Canoe and Reflection
  • Andorra – KM# 326, 5 Diners, Silver, Golden Eagle – Wildlife of the Pyrenees
  • Turkey – KM# 1274 50 Lira, Silver, Hejaz Railway
  • China – KM# 1972, 10 Yuan, Silver, Year of the Rabbit
  • South Korea – KM# 121, 50,000 Won, Silver, Jeju Volcano and Lava Tubes
  • Australia – Perth Mint– KM# 1605, One Dollar, One Ounce, Silver, Hi-Relief Concave Kangaroo
  • Netherlands – KM# 304, 5 Euro, Silver, Queen Looking Through the Window
  • Somali Republic – KM# 230, 100 Shillings, Elephant Bullion Coin
  • Belarus – KM# 380, 20 Rubles, Silver, Arabic Dance

Most Artistic Coin

  • Slovenia – KM# 102, 30 Euro, Silver, 20th Anniversary of Independence
  • Lithuania – KM# 175, 10 Litu, Silver, Comedy and Tragedy
  • Latvia – KM# 120, Lats, Silver Square, Aleksandris Caks
  • France – KM# 1809, 10 Euro, Silver, Palace of Versailles
  • Czech Republic – KM# 121, 200 Korun, 500th Anniversary of the Birth of Jiri Melantrich
  • Canada – KM# 1131, 5 Dollars, Silver, Fall Moon
  • Fiji – KM# 151, 2 Dollars, Silver, Hawksbill Taku Sea Turtle
  • Kazakhstan – KM# 215, 500 Tenge, Silver, Sturgeon Fish
  • France – KM# 1835, 10 Euro, Silver, Comic Strip 13
  • Finland – KM# 166, 10 Euro, Silver, Kaj Franck

原來一些看似普通的 bullion coins,也可能會是一個得奬的設計。得獎不代表升值,但起碼都是一枚值得珍藏的硬幣。你有其中的一枚嗎?

其他提名名單各位網友可以參考這個官方網頁。
http://www.numismaster.com/ta/numis/Article.jsp?ad=article&ArticleId=25861

From Particles to Solid Gold Bars

溫故知新,大家大概都知道金條是如何生產,看過片段,有更深認識。

http://www.perthmintbullion.com/Gold_mine_video.aspx

從前以為礦業是人手密集的行業,原來不是,相反,他們是高技術工人。記得早兩年新聞報導過他們的年薪是超過一百萬港元的。不過,都是辛苦錢,礦坑的溫度超過五十,要從外面抽冷空氣進去,且灰塵大,呼吸道都容易出問題。

Graded Coins

有些朋友喜歡在網上購買評級幣,原因是由第三者專業機構對真幣的品相作出評分,的確比網上賣家對貨品的評語更有保障,而且在PCGS官網上是可以找到曾經被評級的幣的資料。另外,曾被評級的幣是會入盒密封保存,不能再取出的。

不過,我不是想分享這些人人都知的事,而是評級公司的馬虎。

以下是PCGS的幾個最高評分的標準定義,70為最高。

MS/PR-68 Virtually as struck with slight imperfections, slightest weakness of strike allowed
MS/PR-68+ Virtually as struck with very slight imperfections, the strike must be virtually full. Eye appeal must be very good.
MS/PR-69 Virtually as struck with minuscule imperfections, near full strike necessary
MS/PR-70 As struck, with full strike

以我理解 MS70 是在放大鏡下也看不出任何破損,為之最高評級。
MS-69是肉眼看不出任何破損,但放大鏡之下仍有看出輕微破損。

我曾經訂過一批 MS-69 (First Strike) 的鷹揚,出現以下情況

這些痕跡是相當明顯的,未知是否我對定義不理解,所以有過高期望。以這樣的標準可評為69,我們日常在kitco拿到的都在這評級以上了。

大家對這方面有認識的話,請多多指教。

反思

Image

近來各網站(包括這裡)不斷賣不同的銀幣,大家會不會覺得吃不消呢?

有服務費收入,當然高興,這要感謝大家對 SCS 的信任。同時,我自己也是個收集銀幣的人,面對這樣排山倒海的推銷,也會感到有點迷失。每個人的財務狀況不同,自己也要想清楚有多少資金應該放在這個領域,是收藏是投資,目標要清楚。

我這樣提出只是希望大家(尤其新加入的)買幣買得興高采烈時,面對資金有限,銀幣品種無限的情況,想清楚自己的方向,不要人賣你就買,每年每月都有新銀幣推出,買不完的,所以最好想清楚收集目標才去買,例如:記念性的,藝術性的,動物,生肖,年份系列。收藏得成一個系統,可觀性就大增。

另外銀幣的流動性也較低,要賣出好價錢是不容易的,這點也要留意!

這樣寫出來,只是希望大家在收集銀幣時,有個目標,有個方向,路才可以走得更遠。

銀幣定價

撇開銀幣自身因素,究竟一款銀幣值多少錢,是如何去定呢?

暫時我都是按出廠價,幣商定價, ebay 私人轉售去估計一個銀幣值多少。如果有個幣在美國APMEX 賣USD75,歐洲幣商賣EUR40,那你會如何估算它的價錢呢?是APMEX 賣得貴,還是歐洲賣得太平呢?

我們不可以像股市般看到每個價位成交量,也不可像大利市機看誰在買入賣出。也不知道誰是某種幣的莊家,說到底這市場資訊不流通。

作為一個收藏,自己喜愛買下來當然不大,但是用來投資,是高風險的。單純看銀價走勢已經相當不易,還要看個別銀幣未來走勢更困難,比看股市更覺困難。我們像坐在同一股票行,受同一氣氛所包圍,走向變得一致,這種行為是要留意的。或者會有幣友認為我言重了,講來講去都是數百元一枚,但積少成多,而且這個是投資行為的問題,值得思考留意的。

我自己也有參與銀幣買賣,我也想從中得到利潤,但同時也樂見市場健康持續發展。我也希望大家買銀幣買得開開心心呢!

銀幣品相

關於品相,我們當然希望買到的都達70的評級,經評級後升價十倍。要知道找到一枚這樣的銀幣,萬中無一,尤其一些普製品種(個人叫它們粗製幣),如加拿大楓葉。有些品種都以桶裝為主,又如愛樂。放在桶裏的,會因為桶裏沒有壓實,運送時幣在桶裏會互相碰撞,造成磨損,有些幣友不明白,總會埋怨貨品差劣,要知道完美品相不易求,好的價錢就不一樣了。尤其貼近銀價的,不要要求太高了。