It depends if you're buying metals for day-to-day bartering of goods or if you're doing it as a long term savings strategy. I had a portion of my savings I knew I wouldn't need for a few years so I bought in over the last several months and did some dollar-cost averaging. With fees and everything factored in I'll be breaking even once silver hits $29/ounce.
It's cool to have something tangible to hold, but it is tricky because people lose their coins all the time, or they get stolen ;)
Boating accidents aren't just dangerous for guns.
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