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<p>[QUOTE=&quot;crazyd, post: 3940696, member: 67221&quot;]When I was a kid - my father would send me proof sets of small US coins. Honestly much of them I used at the corner store. Feel bad about it now. However the silver dollars, or rare coins he sent me - still have them and they are worth more now. It would have taken time and effort to get that converted into cash.&nbsp; I kind of see that a bit with my continued collection of silver and gold coins. Its an emergency fund that can&#039;t be accessed or used easily - so i keep it.</p><p><br /></p><p>Now about housing - I spend more on paying down my mortgage early - then I invest in my 401K right now. For me I don&#039;t see anything more important than owning a home before I retire. Its an investment of sorts - and has appreciated - but certainly not as much as the stock market. Dont care - I want a roof over my head no matter what.[/QUOTE]</p><p><br /></p>

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