ok, i am a new user. i wish to buy 1 or 2 BTC to dip my toe in the water. i will prob keep it for some future ebay purchase. i might end up buying 1 or 2 every month or two, so i can build up some savings which are guarded against volatility in real currencies and inflation. ideally i would like to buy now using paypal or credit card, as i am starting a new job and won't have any money until next month.
i am trying to get a handle on the size of various costs:
(i) selling price of seller as compared to buying prices from buyers
(ii) fees charge by various exchanges
(iii) fees from my choice of funding method and associated conversion costs
(iii) volatility of BTC currency value
i looked at the 'stock exchange' type thing, and went to a few sites:
britcoin - not enough info on the site (maybe more after you sign up?)
mt gox - seems to accept GBP deposits
getbitcoin - according to a post here, it accepts prepaid credit cards sent to them physically (only possible if i can buy funds on a prepaid card using my existing credit card!)
is there a point in me seeking a private buyer who will sell via paypal?
would i get a better rate if i just wait a month and buy via a normal exchange?
and, finally, having just read about mtgox hack and about to read about mybitcoin hack, is it safer to buy from a different exchange every month?
or is the risk just temporary and soon the money is permanently in your wallet?