DIVERSIFICATION: We recommend that rare coins and bullion be part of a diversified investment portfolio. We believe that coins and bullion are appropriate for 10% to 20% of a portfolio. (If you choose to invest more than this recommended amount, you should first consult your independent financial advisor before proceeding with your acquisitions.) Certain individuals or organizations may recommend a different percentage.
IRA ACCOUNTS: Northbridge Gold & Silver Exchange may refer clients to companies that provide trustee and custodian services for Individual Retirement Accounts ("IRA"). NGSE is independent from and not affiliated with any of these IRA companies. The client is responsible for independently selecting the IRA company suitable for the client. NGSE does not share or assume responsibility for any loss or damage resulting from a client's relationship with the IRA company. Only certain coins may be held in a precious metals IRA. Many clients choose to purchase proof U.S. coins for their IRAs. You should know that proof coins carry numismatic or rare coin spreads. Tax laws are complex and may change at any time. You should consult with your tax advisor about whether including precious metals in your IRA is right for you.
DELIVERY: All packages shipped to our clients are insured (shipments of less than $1,000 are self-insured by NGSE). Generally, your acquisitions will be shipped within 48 hours of payment of good funds (unless your State requires a different delivery period). If a shipment is lost or damaged, at NGSE's option, we will either replace the items or refund your purchase price.Please inspect the shipment thoroughly upon receipt to ensure you have received your order and that the items track the description on your delivery invoice. Any variance from your order must be reported within (5) days of receipt of your shipment and you must have all original packing materials intact.
CREDIT CARD PURCHASES: NGSE accepts payment by credit cards for some products as a convenience to its clients. However, we do not recommend that you go into credit card debt to make a purchase with NGSE.
GROWTH PROJECTIONS: Northbridge Gold & Silver Exchange may advise clients about forecasts made by members of our staff or third parties regarding the future prices of precious metals or the products sold by NGSE. In making those projections, NGSE's staff members will normally consider the following factors:
There is no assurance that our growth projections will be achieved and it is also possible for prices to decline. We do not guarantee our forecasts or projections, but we strive to provide you with analysis that we believe is well thought out and sincerely reflects our opinion. You should also know that different market factors may influence the value of a specific coin or currency. For example, the value of a numismatic coin may be affected by such factors as grade, scarcity and demand in the marketplace while the value of a bullion coin is closely tied to the spot market for that coin. Past performance and growth projections for a specific coin or type of coin (or currency) may not apply to other types of coins that NGSE may offer.
GRADING: Our company uses the numerical Mint State (MS) grading system which rates uncirculated rare currency and uncirculated coins from MS-60 to MS-70. Typically, the higher the grade, the more a coin or currency is worth. The grade assigned to a coin reflects its strike, luster, marks, scratches, and overall eye appeal. Grading is a subjective art and subject to the opinion of the person grading the coin or currency. Thus, grading can and does vary from rare coin firm to rare coin firm, from grading service to grading service, and from expert to expert. A difference of one grade (e.g., MS64 to MS65) can result in a significant change in the valuation of a rare coin or currency. Grading standards may continue to change, becoming more or less stringent. Grades and descriptions of rare coins and currency are opinions, not statements of fact or guarantees, and are based on standards and interpretations that can and do change over time. When you acquire a coin or currency from NGSE that is independently graded by a third party grading service, such as Professional Coin Grading Service (PCGS) or Numismatic Guaranty Corporation (NGC) for coins and Currency Grading & Certification Incorporated (CGC), Paper Money Guaranty (PMG) or PCGS Currency for rare currency, please note that NGSE relies entirely on the expertise/determination of the grading service. In addition, we rely upon definitions provided by these independent grading services, including definitions of such terms as PCGS' "First Strike®" which refers to coins packaged and delivered by the U.S. Mint in the 30 day period following the initial sales date of a new product. We do not re-grade or independently evaluate the product's grade in its sealed holder, although from time to time NGSE does remove products from their sealed holder and re-submits them to the grading services. NGSE reserves the right to deliver independently graded coins that have been graded by an independent grading service of NGSE's choice, such as PCGS or NGC. NGSE guarantees that the rare coins and other items it sells are genuine. NGSE expressly disclaims any other warranties with respect to coins or other items, express or implied, including the implied warranties of merchantability and fitness for a particular purpose.
POLICY: When you decide to sell your coins
or currency, we appreciate the opportunity to purchase them at our
current bid/buy price. Although you are free to sell to other coin
dealers by private treaty or at auction through one of the many rare
coin auction houses, we believe that you will receive a higher net
amount by selling to us because we are familiar with the quality
and marketability of the items we sell, and do not charge any additional
fees or commissions other than the 1% liquidation fee when making
such purchases. Depending upon market conditions and your original
purchase price, you may receive less than what you paid for the coins
strongly recommend that you acquire a sound understanding of precious
metals, coins, and their markets before you make your first purchase.
Be prepared to invest some time and effort into understanding the
market and the grading of your coins or currency. Do not commit more
than 15% to 20% of your investment funds to rare coins or precious
metals. Protect your future with a diversified portfolio that meets
your objectives for safety, liquidity, and growth. Recognizing that
all markets have their ups and downs. Perform your due diligence
and let reason and common sense be your guide.
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