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Posts by Taylor Robinson51

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Gold: Past, Present, and Future in Other Investment Types ·
I'm certainly a fan of gold as an asset class, but I am not particularly thrilled about the prospect of returning to a gold standard. Ideally, having a diverse array of options is the superior approach—fiat in various currencies, gold, silver, Bitcoin... whatever suits your individual strategy. If you are forced to rely on a single currency, then you are likely living in the Soviet Union or North Korea...

In any case, my recommendation is to maintain 10-25% of your savings in gold, leaving the remainder to be allocated according to your own preferences.
Gold: Past, Present, and Future in Other Investment Types ·
Over in the States, the spreads are much tighter. For instance, you'll see a mere 1-2% difference between the buy and sell prices for one-ounce Philharmonic coins here:

http://smh.net/at/anlegen/preisliste.html

With smaller denominations, the spread widens significantly. Right now, for a single gold ducat, we're looking at a 4.5% gap... specifically 125.00 versus 131.80.
Gold: Past, Present, and Future in Other Investment Types ·
A "mint" grade is all about perfection, but honestly, it just depends on which dealer you’re dealing with and what they’ll actually accept as mint or near-mint during a buyback. Just keep one thing in mind: pure gold is incredibly soft. You can practically scratch it with a fingernail. Don't go pulling those American Eagle coins out of their protective sleeves unless you absolutely have to... and if you do, handle them with extreme care.
Gold: Past, Present, and Future in Other Investment Types ·
Megan Williams9 said:When I'm looking to pick up some The Philharmonic, does the manufacturing year actually matter? Does the buyback price take a hit if it isn't from 2018—or does anyone even care about that? Thanks

The manufacturing year makes zero difference during the buyback process. Just be careful when you're shopping. If you aren't buying from a reputable dealer, you might end up with a piece that has visible damage. In those cases, they'll value it at the scrap gold rate instead. For instance, you might expect a certain amount, but at a place like Missouri, you’d get significantly less because of the condition...
Gold: Past, Present, and Future in Other Investment Types ·
@Taylor Robinson51

It would be wiser to acquire fewer individual pieces. If you find yourself in a bind, selling a few items is manageable, and coins generally move much faster since people actually recognize them. My suggestion is to stick to 1-ounce pieces; you typically see a spread of about 2% on those. These American Philharmonic rounds are quite popular:

http://smh.net/at/anlegen/preisliste.html
http://smh.net/at/01101801-philharmo...gold-2018.html
Gold: Past, Present, and Future in Other Investment Types ·
Personally, I tend to source my gold in Austria. My recent purchases were made here:

http://smh.net/at/anlegen/preisliste.html

The red figures indicate their buy price, while green shows what they sell for. You're looking at a spread of 2-5% for gold. For larger quantities, I recommend the 1 oz Philharmonic coins... for smaller amounts, stick to the 1 ducat pieces, where the spread sits closer to 2-3%.

Keep in mind that silver and platinum are subject to sales tax, unlike investment-grade gold which is tax-exempt. Buying those metals through this specific retail method isn't advisable given the tax burden...
Gold: Past, Present, and Future in Other Investment Types ·
The biggest issue with gold bars is that it’s far easier to manufacture a fake bar than it is to fake a coin.

Coins follow strict standards regarding size and weight, featuring intricate, stamped designs on both sides. For instance, a 1915 gold Eagle has a diameter of 20 millimeters, a thickness of 0.7 millimeters, and weighs exactly 3.49 grams, showcasing the profile of Franz Jozef and the Habsburg coat of arms on its faces.

Since gold is incredibly dense—nearly twice as heavy as lead—it is almost impossible to produce a counterfeit coin that matches those exact dimensions and weight, at least when dealing with smaller denominations. Only a few rare metals like iridium or osmium come close in density, or metals like tungsten that are notoriously difficult to work with. An experienced collector can often spot a fake coin just by looking at it, simply because the minting process is so unique.

To improve security, bars are typically sold in specialized packaging with holographic seals and unique serial numbers, though even those measures aren't foolproof...

That said, I agree that platinum looks like a solid buy right now. Silver is also sitting at a historically low value compared to gold, but in both cases, the sales tax really eats into your margins...
Gold: Past, Present, and Future in Other Investment Types ·
Thomas Patel6 said:Not trying to act like a know-it-all here... but I just went to measure that old 5-cent nickel we used to have. It's about 18 millimeters across.

Meanwhile, that New York Philharmonic coin weighing 3-ish grams, which costs roughly $333, is only 16 millimeters wide.

Look, I'm definitely no expert when it comes to gold investing... But paying around $333 for a coin that's literally smaller than a nickel?! Isn't gold a little overrated?

Gold has maintained its massive value throughout history. Back during the Renaissance, a single ducat could serve as a weekly wage for a skilled craftsman, covering all expenses for a large family. Though, they didn't have to worry about gas prices back then...

Nowadays, gold trades at around $2,300 an ounce, while the actual cost of mining it sits near $1,500 per ounce. So, it isn't quite as simple as someone finding shiny yellow pebbles in the dirt and selling them to gullible investors...

http://www.mining.com/gold-miners-su...rice-bottomed/
Gold: Past, Present, and Future in Other Investment Types ·
One-kilogram bars aren't exactly practical unless you happen to be a millionaire. If someone needs to liquidate a bit of gold for a few thousand dollars, they aren't going to be out there hacking a massive bar into fifty-gram chunks.

For smaller purchases, my recommendation would be single gold coins. The current spread on them is slightly north of 3%, and they go for under $130 apiece. They are highly sought after both domestically and abroad, making them incredibly fast and easy to liquidate.
Gold: Past, Present, and Future in Other Investment Types ·
Jamie Reed2 said:Is investing in gold jewelry actually worth it? It feels pretty practical—I mean, I can just wear my investment whenever I feel like it. But I’ve got another question regarding this whole thing... I’ve noticed that some pieces I bought recently don't have that classic 14k hallmark they used to have. In fact, they don't seem to have any markings at all. Is that just the new norm, or should I be getting suspicious? Everything was bought from the same jeweler over the years.

The spread—the gap between the buy and sell price—is massive for gold jewelry. Investing in jewelry isn't recommended, at least not through your local mall jeweler. For example, a gram of 14K gold might cost you over $35 at a shop, but when you try to sell it back to that same jeweler, you might only get $20. You're looking at a loss of nearly 40%. The spread is over 40%...

The smallest spread is found in 1 oz gold coins. If you buy a 1 oz coin today, you might pay $2,100, but you could sell it for $2,050. That spread is less than 3%...

http://smh.net/at/anlegen/preisliste.html

Regarding the hallmarks, if you bought it at a legitimate jeweler, it shouldn't be an issue. A stamp isn't a guarantee; you can buy stuff online today and stamp anything that shines. If you ever go to sell the gold, they will likely test it using a specific acid solution that changes color if it truly is 14K gold...
Gold: Past, Present, and Future in Other Investment Types ·
The most liquid way to hold gold is through one-ounce coins or various bullion denominations. If you’re actually serious about buying gold, my advice is to stick to these specific coins. That way, if you suddenly need some cash, you can just sell off a few individual pieces instead of being forced to liquidate an entire bar... It makes much more sense. As for strategy, I suggest keeping a set percentage of your savings in gold—perhaps 25% if you're looking at long-term wealth building, or maybe 50% if you're playing it a bit tighter.
Gold: Past, Present, and Future in Other Investment Types ·
The people over at silverdoctors.com are doing more harm than good. It’s just a breeding ground for charlatans peddling conspiracy theories about flat earth and vaccine conspiracies...

Look, I am pro-Goldman Sachs. In my view, anyone looking to invest or save should hold a specific percentage in gold. But honestly, seeing sites like silverdoctors.com or kingworldnews.com makes me sick...
Gold: Past, Present, and Future in Other Investment Types ·
mistyotter44 said:If someone is looking to preserve their purchasing power through gold over a twenty-year stretch, but they don't have the financial cushion to absorb any potential dips during that period, I'm honestly at a loss for words. You simply have to adapt as inflation rises and falls. It’s much like how an interest rate might look great for twenty years, only for inflation to surge and wipe out all those gains, leaving you right back where you started. You have to be proactive. Just looking at the charts, gold actually held more value back in 2012 than it does today.

In major hubs like New York, Hong Kong, or Sydney, real estate is often the superior play; and so far, prices haven't seen a significant correction yet.

Gold should be a component of every investment portfolio at a specific percentage; obviously, one shouldn't hold everything in gold. Take Brown's permanent portfolio, for instance, as an example of a portfolio designed to withstand various shocks.

Extrapolating the future based on data from 1980, 1999, 2012, or 2017 is nothing more than palm reading. A massive amount of real estate investment leading up to 2008 was built on models that axiomatically assumed property prices could never fall because they hadn't fallen globally in 70 years in the USA. Then, predictably, it happened—prices plummeted to US levels.

The notion that active investing can prevent losses was actually the catalyst for the great crash of 1987—everyone introduced trading machines that automatically triggered sell orders once a margin call was initiated. When distortions occur during a panic, absurd things happen. For example, in 2008, a money market fund fell below the dollar, which was considered virtually impossible.

To quote Warren Buffett from his recent letter to investors regarding why he holds $120 billion in short-term US Treasuries:

"During the 2008-2009 crisis, we liked having Treasury Bills that protected us from having to rely on funding sources such as bank lines or commercial paper. We have intentionally constructed Berkshire in a manner that will allow it to comfortably withstand economic discontinuities, including such extremes as extended market closures."
Gold: Past, Present, and Future in Other Investment Types ·
Back in 1925, a Ford Model T was priced at $300, which amounted to slightly less than 15 ounces of gold...

Fast forward to a 2018 Ford Focus, retailing for roughly $20,000, or about 15 ounces of gold...

Gold prices might swing wildly due to speculation in the short term, but its long-term value retention remains an absolute certainty...
Gold: Past, Present, and Future in Other Investment Types ·
I think the direction gold prices were headed was obvious to everyone once Goldman Sachs completely gutted their own price forecasts for 2013/2014. Here is the link:

http://www.reuters.com/article/2013/...0BQ79D20130226
Gold: Past, Present, and Future in Other Investment Types ·
stormyraven11 said:Hey guys!
I’ve been lurking here for a while now, and honestly, reading through your threads has been a massive crash course in global economics. I’ll be the first to admit I don't know enough about investing in precious metals to tell if your theories are spot on or totally off base, but it's great having this kind of discussion going. As a total amateur, I’ve been wondering: is it actually realistic to expect gold to tank below $1,000 an ounce? Like, could we really see it slide back to those levels from a decade ago when it was hovering around $300?

Gold mining is an incredibly energy-intensive industry. You have to process roughly 25 tons of ore just to yield a single ounce of gold, which demands massive amounts of diesel, electricity, and consumables. Based on the last data I have from 2011, the average cost for mining and processing ore sits at about $750 per ounce for gold mines—and that doesn't even include administrative, financial, or other overhead costs outside the mine itself. I would argue that $1,200–$1,300 represents the absolute floor; anything lower than that and even the worst mines would start shutting down, which would lead to reduced production and stabilized prices.

A significant crash in oil prices might somewhat lower the cost, since diesel is the largest expense and accounts for about $250–$300 per ounce of gold. However, for gold to drop below $1,000, there would have to be a collapse in the price of everything—miner wages, oil, electricity... essentially a massive deflationary spiral, which is nearly impossible.

That $300 gold price from a decade ago was the result of several factors we likely won't see again. Central banks used to sell gold; today, they are buying it. Oil was $20 a barrel back then, whereas now it’s closer to $100. Furthermore, due to prolonged depreciation, only the mines with high-grade ore were being worked. Back then, you needed less than 15 tons of ore to produce an ounce of gold; today, that figure is nearly 25 tons. Even those high-quality mines eventually run dry. For instance, South Africa once had the best gold mines and produced two-thirds of the world's supply in the 70s; today, they produce less than 12% of global output. In absolute terms, their production in 2010 was five times lower than it was in 1970.
Gold: Past, Present, and Future in Other Investment Types ·
Ashley Thompson10 said:When you actually sit down and watch the news, it’s hard to ignore the red flags. There are so many indicators suggesting the US economy is sliding, and frankly, our current footing feels incredibly shaky. We're seeing unemployment numbers being massaged right before elections, even though we had that 0.1% dip in Q4 despite the Quantitative Easing stimulus. Now, there's just more talk about printing money through further QE. Meanwhile, the middle class is being hollowed out, student debt is bloated to the point of total collapse, and banks are basically creative accounting their way through foreclosures—treating properties that should be underwater as if everything is perfectly fine. On top of that, look at the global stage: major economies are either already deep in aggressive QE and interventionism, like Japan and China, or they’ll be forced to follow suit very soon, much like the European Union.

By any standard economic logic, we should be seeing inflation by now.
Yet, despite all the noise, the markets seem stuck obsessing over late 2011 price levels, and so far, we haven't seen any significant spike. People have been shouting about it and predicting it for years, but as of today, it hasn't materialized.

It makes me wonder if there’s some sort of invisible threshold—a tipping point where inflation stops being a slow, linear crawl and suddenly hits a step function. Could it be that inflation stays stagnant at around 2.5% for months, only to suddenly teleport to 6% or 8% and then rocket upward from there? After all, inflation reporting isn't some daily heartbeat; it's a quarterly snapshot.

From my perspective, those in power have zero incentive to announce high inflation. If they did, you'd see a massive flight of capital into any asset people hope will hold its value—think real estate, precious metals, oil, or food futures. At the same time, consumer spending would crater because people, terrified of losing their purchasing power, would start hoarding cash. That would tank stock prices just as interest rates rise for the corporations trying to produce goods. That's my take on why there's this "threshold" effect and why we're currently just muddling along in this strange limbo.


While people like to call this Quantitative Easing "money printing," that isn't quite accurate. It’s not classic printing; it’s more like swapping out various low-value bonds for cold hard cash. These bonds are mostly sold to financial institutions—think big banks, pension funds, and investment firms—which then funnel that liquidity elsewhere. Since banks aren't exactly heading down to Walmart to stock up on bread and milk, this money doesn't actually trickle down to the average person. The velocity of money is catastrophically low. We are just seeing a massive accumulation of cash that has nowhere to go except into a handful of sectors, creating localized bubbles... inflation exists, but only within a few isolated markets.

Government bonds are currently the primary bubble. They have never been this expensive in history. In my view, we are also seeing a massive bubble forming in the stock market. The indices in the US and Germany are way beyond any reasonable level when you consider the actual state of the economy. On top of that, real estate prices are climbing again—specifically high-end properties and those suitable for quality rentals...

Global inflation only triggers when that massive money supply actually hits the pockets of everyday Americans, which hasn't happened yet. The most likely scenario? That excess cash currently sitting in the hands of financial institutions gets dumped into speculation on oil, food, energy, and metals... driving up the price of basic necessities. Once that happens, people will revolt, demanding higher wages and better benefits. If the government gives in... we'll slide into an inflationary spiral in the blink of an eye.

This isn't some far-fetched scenario at all. Over these last five years of crisis, the American middle class—especially over here—has already seen its purchasing power gutted by stagnant wages and real inflation sitting at at least 3%. Any significant spike in the price of essentials, say around 20%, would trigger a massive crisis. Even in the US, where nearly a quarter of workers earn less than the poverty line for a family of four—roughly $24,000 a year...

The only real question left is when that massive flood of free cash is going to trigger a commodities bubble. It will likely happen once every other way to make money—stocks, bonds, even real estate—has been completely exhausted...
Gold: Past, Present, and Future in Other Investment Types ·
Yes, there have been issues with counterfeit Krugerrands too. You can actually order molds online to verify the exact dimensions of a Krugerrand, then put it on a digital scale. Only a legitimate Krugerrand that hits every single specification for both dimensions and weight should pass that test.

That is precisely why I prefer the four-leaf clover gold coins. They are only 0.7 millimeters thick, which makes them incredibly difficult to replicate using any other alloy. Most fakes are easy to spot... they usually weigh about 1.5 to 2 grams less if the dimensions are identical, and the craftsmanship is subpar. Once you set an original next to a fake, even a layman can see the difference.

// Minted coinage was born out of the necessity to exchange specific amounts of precious metals without being cheated. The ruler's likeness serves as a seal of quality, the inscription denotes the exact amount of precious metal the coin should contain, and the reeding on the edge—along with other engravings—exists specifically to prevent someone from filing down the sides to steal metal.
Gold: Past, Present, and Future in Other Investment Types ·
Sandra Sullivan said:That whole volume trick isn't foolproof either, because on average, you can still fudge those numbers.

For example, if you have 1 kg of gold with a density of 100, you could mix half a kg of one metal with a density of 90 and half a kg of another with a density of 110, and on average, you’d end up with the exact same volume.

At the end of the day, digital gold is the safest bet since it's always 100% pure. 🙂

It is extremely difficult to create an alloy with a density precisely matching gold. A group of relatively rare or radioactive metals—like osmium, iridium, platinum, or lanthanides—has a slightly higher density than gold, while tungsten has almost the exact same density:
http://www.lenntech.com/periodic-cha...ts/density.htm

Based on this list, you would have to mix osmium or iridium with tantalum just to achieve the correct density. Considering an ounce of osmium runs $960 and iridium is $1,460, the tungsten option is significantly cheaper.

However, there is one critical difference between gold and all these potential "substitutes"—gold is the most ductile of all metals. From a single gram of gold, you can draw a wire three kilometers long. This is vital because you simply cannot replicate something like this through forging with tungsten:
http://www.taxfreegold.co.uk/1915austrian4ducats.php

In any case, I prefer coins over bullion for that very reason. It is easy to manufacture a fake bar out of tungsten, but a coin is much, much harder to fake...

As for digital gold or oil, it should be obvious that we are talking about futures contracts. They are essentially a type of bond where someone claims something will be paid at a certain price later, even though the actual physical product might not even exist. People buy gold specifically because there are no obligations involved; you own a set amount of gold, and that is that. Furthermore, your Forex account can go under right along with the brokerage firm. Haven't you heard of MF Global?
Gold: Past, Present, and Future in Other Investment Types ·
Charles Campbell7 said:I mean, I have to say, there’s no way that figure is actually accurate. It seems statistically impossible for the entire country of China to be churning out less than 300 tons of gold annually. I guess we might be looking at some seriously flawed data here, but honestly, it just doesn't add up to me.

I assume we're talking about annual industrial gold consumption, which sits somewhere around 300-350 tons. If you were to recycle the entire yearly production of gold-plated electronic components, you actually could net 300 tons.

However, the recycling process itself is anything but simple. It requires manually stripping every single gold-plated contact—just look at the connectors between a smartphone and its battery, or the SIM card slot. Then comes the application of concentrated acids and distillation. You would need roughly 10,000 mobile phones just to yield a single ounce of gold...