AuricGoldfinger

@AndrewSL76 are you going to fill Minty with 1/10th Britannias lol
Joking aside thats one lovely piggy bank

If you're going to get into slabbed coins, buy in bulk!
 

Update on my stack. It's not even been a year lol and yes as some predicted I did run out of space in my box.


 

I was just having a conversation with a brand new stacker and linked your site.
Then I realised it had changed and is now pay to use.
I won't be recommending it again - it was a good tool for newbies to begin with but now I don't feel that it is worth it at all.
Ironically I actually considered donating early on as it was a great idea with a lot of potential.
I wish you all the best but sadly this has been deleted from my bookmarks 😣😣

Courtesy of @StackSellRepeat

Better late than never, only just had a chance to get everything together. Full gold stack, been exactly 6months, im 2 sovs shy of aprox 30oz which is my short term target. Will continue to pick up the remaining beasts and also some sovs but slowing down a lot unless theres a major dip in prices as have other projects starting soon. 

All my sovereigns.  4x 2012, 2x 2018, 5x 2019

At one point I had a few thousand in there, as of today when I read posts about it I only had under a tenner in my account which I spent online this morning

love this!

1830 George IV sovereign 
NGC AU55 
 

Bonus find at local post office.

sovereigns from four continents 

left 1866 Great Britain Sovereign, top 1950 Saudi Arabia Guinea, right 1906 Peru Libra, bottom 1887 Australia Melbourne Jubilee Sovereign
 

in case you wonder: second legend 

Key takeaways from The Millionaire Next Door (none of these should come as a surprise):
- Typical Millionaires ($1m-$10m) tend to have a strong offence (high income), although not spectacularly high. The median was $131k (in 1996). 
- They are mostly college educated, and believe education is an investment
- They also have strong defence (frugality) in relation to their incomes
- The structure their spending and investments to take advantage of tax law
- They are overwhelming dominated by business owners and entrepreneurs
- They own their home, have been married for a long time with children
- They are not traders. They invest long term, usually holding what they buy for 5 years or more, and overwhelming for 1 year or more
- They live in nice but not exclusive neighbourhoods
- They overwhelming drive modest used cars paid for in cash and understand that a car is the ultimate expression of lifestyle creep
 
There is also some interesting sections on what they dub "Economic Outpatient Care" - supporting grown children who are unable to support their own lifestyle. They interestingly propositions that by overly providing for and spoiling their children, the self-made affluent are doing more to harm their development than they realise.
 

Thanks chaps,
When I calculated the 'equivalent return' on making overpayments on the mortgage, it is just over 1% return on the money in saved interest. The time saved on the mortgage might make it worth doing, as it will mean one less financial commitment sooner and reduce the risk of exposure to interest rate rises, but a 1% return on cash is poor when greater compounding returns can be made elsewhere. The other reason to pay debt off early is that to not do so is basically a speculation that interest rates will stay low and manageable over the term, which in itself is a risk. The numbers only make sense not to overpay right now - if interest rates rise, I would be better off with a smaller mortgage on which to pay interest obviously. 
At the end of 25 years (on paper), if rates stay low I will be much, much better off investing in yield assets, and if rates go up at any point the option of overpaying is still there. If rates go up considerably later, and yield investments do very badly at the same time meaning the capital is not available to reduce the debt, then I may regret this course. 
If the numbers change then the plan will change but right now its makes sense not to overpay at all, and to invest everything instead. Wish me luck    

The gold record is $1800 but right now it's under 1500...so it's 20% off its high...Silver is under 18 and it's record is 48, so it's about 35%of its former high...so there's a lot more room for silver to go before even getting close to golds ratio to its record high, one reason I'm more silver right now then gold.

Gold is yo-yoing and so is the Pound against the dollar. 
This is why the two don’t always correlate. Gold in GBP has reached ATH but In dollars there’s still some way to go. This is because the pound is so weak at the moment.

So it is just a £ to $ fluctuation that caused this?  Lovely, I thought as much but wanted some confirmation from you fine folks.

Gold is yo-yoing and so is the Pound against the dollar. 
This is why the two don’t always correlate. Gold in GBP has reached ATH but In dollars there’s still some way to go. This is because the pound is so weak at the moment.

Gold is yo-yoing and so is the Pound against the dollar. 
This is why the two don’t always correlate. Gold in GBP has reached ATH but In dollars there’s still some way to go. This is because the pound is so weak at the moment.

Oh god imagine a reverse proof sovereign... I'll just leave them my debit card and pin no, they could take what they wanted for it! 

This is just the first dip we have seen in a while. Good time to buy, nice to see sovs below £300 again 😬

This is just the first dip we have seen in a while. Good time to buy, nice to see sovs below £300 again 😬

This is just the first dip we have seen in a while. Good time to buy, nice to see sovs below £300 again 😬

This is just the first dip we have seen in a while. Good time to buy, nice to see sovs below £300 again 😬