Roy

Just grabbed a Hatton Garden 10 X Krug special
Pushes me back over the 1kg at 36.76 oz, need another 15.76 oz for stack V2 to match my stack V1

Shhh.....there may be more 

My first Pre 33 gold a Saint-Gaudens double eagle from HGM    1914 with s mint mark

From @rebnah two purchases in last week or so
100g PAMP Suisse
2 x 10g PAMP Suisse faith's
2.5 SilverStan Pirate Round
@rebnah excellent to deal with, no nonsense deals, good communication including photo of packed items, fast delivery and as the man himself will say cheaper than Atkinsons! Some would say better service than Chards...

Received late last week....from Mike at TJB @SilverSniper
1oz and 5oz PAMP bars plus PAMP storage box and four tubes for coins.
Have to say Keith offers excellent service, excellent communications, fast delivery and everything well packed.
 

Well happy thanks byb got from here my first proof sovereign love it thanks backyard bullion 

LOL, you're going to have to change your screen name to just "steve"   You're still the go-to guy for all things Sovereign related.

Very nice @sg86! I feel a bit embarrassed putting mine up now ?
Today I recieved my lucky dip full sov and I was please to see it was a old head Melbourne mint, so glad as I need this head. Only need a shield back a Perth, Sydney, Ottawa and South Africa minted sov now, I might also try and get one each of the modern queen heads then I will see where I can go from there

Yes yes more shields , 8 to be exact, and 2 young head st.georges
The lustre on 3 of them is incredible, hard to capture in a photograph so i tried with fingers as you can see reflection :D. I've never graded a single coin but this may be worth it.
Also a 1891 Sydney half sov photo at the end, little worn but only 154,000 were minted 130 years ago and the first branch mint half sov i have i think



 

I just ordered my first ever sovereigns, the 2017s.

I have change my mind  
Over payments when comparing investing vs over payments over the same time frames - ie, saving 5 years from the mortgage vs investing for the same time frame, the compounding effect is lessened which makes it easier to justify the over payments. 
Although on paper you are better off investing by several thousand if you can find the return, and if you use long time horizons then the compounding returns win easily - nothing is guaranteed over such a time period and I am not convinced such a return, or the earned capital, could be reliably maintained. There is also the question/risk of interest rates rising. The idea of eliminating a recurring living cost several years early is very attractive. Although overpaying is a rather low return, it is a guaranteed return in saved interest, vs a speculative bet on compounding returns which only really matter over significant time frames. I think I can live with the lost paper capital that may or may not have come to pass in exchange for the guaranteed returns (financial and otherwise) of paying off the debt early.

2017 Half sovereign came today, 1/4 Oz queens beast last week. I want more.
 

You, Numistacker bought a 1/4 bullion Krug..
I don't believe it lol
I can believe you buying it knowing it was a proof, but a bullion, no, sorry  

The reason for this is it was a commissioned mintage from a RM client (mailed the RM but they wouldn't tell me who) overseas where many/some have already been put into pendants and are being sold online for up to £1,300  and the coin is a proof. I would love to know what kind of people are buying it like that and invite them over to tea ! The boxed coa coins are still pricey (forget spot prices if you buy this) but less expensive than the pendanted (is that a word?) versions being marketed.
One small mistake in my original post is that the proof coin is 9999 not 999 and the coin is an unbelievable perfect fit in its capsule. Not a hint of a noise....at least, not the one I received.

I'm going to attract haters.
You'll never achieve financial independence through PMs. Sorry.

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    

This is indeed the case, and a decision that I made too. Not saying it's the best decision but one that I thought hard about and the best for me.
There are too many variables to advise someone. House prices may rise/fall. Sickness/injury insurance? Probably best to fall back on our old friend 'diversification'!
As long as you are doing something positive, it'll turn out ok in the end 

Different county, but same boat ST! 

I'm going to attract haters.
You'll never achieve financial independence through PMs. Sorry.

I am also currently overpaying the mortgage, but less than I was, despite the low rate, to try and clear it in 10 years. Extra funds are mainly going into P2P as, at the moment, the return easily beats paying off the mortgage. As we are 'up north' the mortgage is only small anyway, or even tiny, and probably equivalent to a year or so of payments down south! The base rate would need to go up by more than 3% to switch back to paying the mortgage.
Moving to a bigger house will need a lottery win as at my age I would rather have some savings and coins? (which could always be sold on retirement to provide a lump sum to invest for income if it came to that)

Not cheap in original box etc but hey, whacha gonna do......rarest of any form of this official 2016 design. Period. Rare as rockinghorse ****  

And here it is..a 2016 999 1/4oz gold proof, mintage 500 and 100 % less than that as some have already been put in necklaces........Good luck finding this on the RM website.
 

The showcase of my sovereign collection arrived last week - Late to game but still in it.

I'm going to attract haters.
You'll never achieve financial independence through PMs. Sorry.