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Message:: [QUOTE="doug444, post: 1670136, member: 38849"]If you DO buy some silver here and there, don't buy rounds or bars.  Then, down the line, you won't have to convince a skeptical buyer that they are solid silver and not silver-plated, or Chinese, or whatever.  Buy dimes and quarters a roll at a time, or from flea marketers where you can haggle or swap.   LQQK at the rolled coins before you buy them. And, all things being equal, I would "bank" at a credit union, not a bank.  Around here, credit unions are much more consumer-friendly, and their fees are about 1/3 less than local banks.  Their safety-deposit boxes are HALF what a bank charges. I like the "trust" idea, but it's too soon for that.  You can find library books that give all kinds of examples for different situations.  Finally, if there's any chance at all that you or your wife may have to keep your parents afloat in 20 years, plan ahead.  You can read the rest of this article by searching Google: "Jun 25, 2012 – Twenty-nine states have “filial support” laws on the books that could be used to go after patient's families for unpaid long-term-care bills."  This is a shocker to young families.[/QUOTE]