What an interesting question RedCoat,

I guess that there could have been a number of reasons for it.
Maybe it was a way of keeping momentos of travels to faraway places, like people do today, or as Nick said, two generations of his family worked at the docks and maybe didn't have the resources to travel to these places and so coins 'given' by visiting seafarers,would,I imagine,be quite sort after.
Another thought that occured to me was whether it had its origins in the tradition of taking the King or Queens shilling when taking up a commision in the Army.As I understand it (hopefully,someone will correct me if I'm wrong) it wasn't uncommon for soldiers to have the coin sewn underneath one of the badges on their uniform.If this was the case then maybe, after they had left the Army,perhaps having had the good fortune to avoid serious injury,they kept the coin and wore it on a chain,in the belief that it was lucky.
Just a thought,Mick
