Regarding precious metals, I visited a few reputable coin stores before Christmas to get a few Morgans for presents and asked about premiums on Eagles. It looks like supply is tough these days because premiums were ridiculous. The spot price isn't even close to what matters. I only bought a few Morgans and had to pay close to $40 a piece for circulated junk. I'm not a bug, but I always liked the old 1800's Morgans just because; and it makes me wonder if the paper price is becoming irrelevant.