Roy

lol when we first got married, I was a 'victim' of all the tricks of the East. Powdered this and ground that...
She forgot that I was raised on roast beef and Guinness and she soon became 'in da club'. Strong swimmers you see 
Now she's happy with her Korean/Japanese dramas and leaves me to my forum! 

Not 1937 ??

My wife makes her own kimchi too. Takes bloody ages but she does do it in bulk.
I like the taste but it does stink 
Sometimes she hides it in my beer fridge and it taints my beer. Luckily no coins have been harmed as yet 

An old pic for a new member so it makes sense!

My wife makes her own kimchi too. Takes bloody ages but she does do it in bulk.
I like the taste but it does stink 
Sometimes she hides it in my beer fridge and it taints my beer. Luckily no coins have been harmed as yet 

An old pic for a new member so it makes sense!

I don't have a furnace for proper bibimbap
My kimchi is the northern type that is more salty than spicy (although it is very spicy of course!). I can, though, offer as a special deal some lovely 1932 kimchi that has been graded as KM68. I am happy to swap for a sovereign of the same year
 
 

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.

Thanks for this tip @jayboat!
Just received my £100 bonus today. A nice 16% return on a grand.
Will pull it all out tomorrow.
Cheers,
Roy 

Thanks for this tip @jayboat!
Just received my £100 bonus today. A nice 16% return on a grand.
Will pull it all out tomorrow.
Cheers,
Roy 

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

Dear Pampfan.
Regards your request under the freedom of information act:
Nobody here at the Mint has a clue as to what you are on about but Huw in accounts is well travelled and thinks he is able to translate for us.
Firstly, mintages. 'A lot" we're told. We know this is true because of the amount of Poles that are sitting in our canteen. Most received their training with 'Pringles'. TM.
There have been quality issues. Aled Jones, our production manager, says the beasts have 'been a right bastard' to produce but as always sings the praises of our production team and looks forward to his imminent retirement. 
Angharad in sales comments, 'I'm not being funny but to tell you the truth, sales of the the proofs have been tidy!'
We asked her to make a statement on the the level of returns but received a curt 'no comment bach'.
We hope you find this response satisfactory and look forward to your next purchase from us.
Best regards,
Gwen from HR xx
 

Dear Pampfan.
Regards your request under the freedom of information act:
Nobody here at the Mint has a clue as to what you are on about but Huw in accounts is well travelled and thinks he is able to translate for us.
Firstly, mintages. 'A lot" we're told. We know this is true because of the amount of Poles that are sitting in our canteen. Most received their training with 'Pringles'. TM.
There have been quality issues. Aled Jones, our production manager, says the beasts have 'been a right bastard' to produce but as always sings the praises of our production team and looks forward to his imminent retirement. 
Angharad in sales comments, 'I'm not being funny but to tell you the truth, sales of the the proofs have been tidy!'
We asked her to make a statement on the the level of returns but received a curt 'no comment bach'.
We hope you find this response satisfactory and look forward to your next purchase from us.
Best regards,
Gwen from HR xx
 

Best Asian takeaway in Warsaw! Look at those prices, cheapest ever?
Unfortunately, they will only deliver within 5KM of Wilanow 

What a fantastic thread!
I missed this....just as well as I'm generation X and will definitely upset SOMEONE! 
 

@Ollie1016
and don't forget @GoldBenj 

Dear Pampfan.
Regards your request under the freedom of information act:
Nobody here at the Mint has a clue as to what you are on about but Huw in accounts is well travelled and thinks he is able to translate for us.
Firstly, mintages. 'A lot" we're told. We know this is true because of the amount of Poles that are sitting in our canteen. Most received their training with 'Pringles'. TM.
There have been quality issues. Aled Jones, our production manager, says the beasts have 'been a right bastard' to produce but as always sings the praises of our production team and looks forward to his imminent retirement. 
Angharad in sales comments, 'I'm not being funny but to tell you the truth, sales of the the proofs have been tidy!'
We asked her to make a statement on the the level of returns but received a curt 'no comment bach'.
We hope you find this response satisfactory and look forward to your next purchase from us.
Best regards,
Gwen from HR xx
 

Dear Pampfan.
Regards your request under the freedom of information act:
Nobody here at the Mint has a clue as to what you are on about but Huw in accounts is well travelled and thinks he is able to translate for us.
Firstly, mintages. 'A lot" we're told. We know this is true because of the amount of Poles that are sitting in our canteen. Most received their training with 'Pringles'. TM.
There have been quality issues. Aled Jones, our production manager, says the beasts have 'been a right bastard' to produce but as always sings the praises of our production team and looks forward to his imminent retirement. 
Angharad in sales comments, 'I'm not being funny but to tell you the truth, sales of the the proofs have been tidy!'
We asked her to make a statement on the the level of returns but received a curt 'no comment bach'.
We hope you find this response satisfactory and look forward to your next purchase from us.
Best regards,
Gwen from HR xx
 

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  

Dear Pampfan.
Regards your request under the freedom of information act:
Nobody here at the Mint has a clue as to what you are on about but Huw in accounts is well travelled and thinks he is able to translate for us.
Firstly, mintages. 'A lot" we're told. We know this is true because of the amount of Poles that are sitting in our canteen. Most received their training with 'Pringles'. TM.
There have been quality issues. Aled Jones, our production manager, says the beasts have 'been a right bastard' to produce but as always sings the praises of our production team and looks forward to his imminent retirement. 
Angharad in sales comments, 'I'm not being funny but to tell you the truth, sales of the the proofs have been tidy!'
We asked her to make a statement on the the level of returns but received a curt 'no comment bach'.
We hope you find this response satisfactory and look forward to your next purchase from us.
Best regards,
Gwen from HR xx
 

Dear Pampfan.
Regards your request under the freedom of information act:
Nobody here at the Mint has a clue as to what you are on about but Huw in accounts is well travelled and thinks he is able to translate for us.
Firstly, mintages. 'A lot" we're told. We know this is true because of the amount of Poles that are sitting in our canteen. Most received their training with 'Pringles'. TM.
There have been quality issues. Aled Jones, our production manager, says the beasts have 'been a right bastard' to produce but as always sings the praises of our production team and looks forward to his imminent retirement. 
Angharad in sales comments, 'I'm not being funny but to tell you the truth, sales of the the proofs have been tidy!'
We asked her to make a statement on the the level of returns but received a curt 'no comment bach'.
We hope you find this response satisfactory and look forward to your next purchase from us.
Best regards,
Gwen from HR xx
 

Dear Pampfan.
Regards your request under the freedom of information act:
Nobody here at the Mint has a clue as to what you are on about but Huw in accounts is well travelled and thinks he is able to translate for us.
Firstly, mintages. 'A lot" we're told. We know this is true because of the amount of Poles that are sitting in our canteen. Most received their training with 'Pringles'. TM.
There have been quality issues. Aled Jones, our production manager, says the beasts have 'been a right bastard' to produce but as always sings the praises of our production team and looks forward to his imminent retirement. 
Angharad in sales comments, 'I'm not being funny but to tell you the truth, sales of the the proofs have been tidy!'
We asked her to make a statement on the the level of returns but received a curt 'no comment bach'.
We hope you find this response satisfactory and look forward to your next purchase from us.
Best regards,
Gwen from HR xx
 

Excellent advice. This is the voice of experience! ^^^^
The exchange rate is not your friend, I'm afraid.
A few years ago, I bought a 1g bar from a machine that resembled a crisps machine in a school/swimming pool etc.
It was a gimmick but a fair price, like ArthGoch says, a talking point or novelty.

Dear Pampfan.
Regards your request under the freedom of information act:
Nobody here at the Mint has a clue as to what you are on about but Huw in accounts is well travelled and thinks he is able to translate for us.
Firstly, mintages. 'A lot" we're told. We know this is true because of the amount of Poles that are sitting in our canteen. Most received their training with 'Pringles'. TM.
There have been quality issues. Aled Jones, our production manager, says the beasts have 'been a right bastard' to produce but as always sings the praises of our production team and looks forward to his imminent retirement. 
Angharad in sales comments, 'I'm not being funny but to tell you the truth, sales of the the proofs have been tidy!'
We asked her to make a statement on the the level of returns but received a curt 'no comment bach'.
We hope you find this response satisfactory and look forward to your next purchase from us.
Best regards,
Gwen from HR xx
 

Dear Pampfan.
Regards your request under the freedom of information act:
Nobody here at the Mint has a clue as to what you are on about but Huw in accounts is well travelled and thinks he is able to translate for us.
Firstly, mintages. 'A lot" we're told. We know this is true because of the amount of Poles that are sitting in our canteen. Most received their training with 'Pringles'. TM.
There have been quality issues. Aled Jones, our production manager, says the beasts have 'been a right bastard' to produce but as always sings the praises of our production team and looks forward to his imminent retirement. 
Angharad in sales comments, 'I'm not being funny but to tell you the truth, sales of the the proofs have been tidy!'
We asked her to make a statement on the the level of returns but received a curt 'no comment bach'.
We hope you find this response satisfactory and look forward to your next purchase from us.
Best regards,
Gwen from HR xx
 

Dear Pampfan.
Regards your request under the freedom of information act:
Nobody here at the Mint has a clue as to what you are on about but Huw in accounts is well travelled and thinks he is able to translate for us.
Firstly, mintages. 'A lot" we're told. We know this is true because of the amount of Poles that are sitting in our canteen. Most received their training with 'Pringles'. TM.
There have been quality issues. Aled Jones, our production manager, says the beasts have 'been a right bastard' to produce but as always sings the praises of our production team and looks forward to his imminent retirement. 
Angharad in sales comments, 'I'm not being funny but to tell you the truth, sales of the the proofs have been tidy!'
We asked her to make a statement on the the level of returns but received a curt 'no comment bach'.
We hope you find this response satisfactory and look forward to your next purchase from us.
Best regards,
Gwen from HR xx