Palladium is in the Platinum group of metals, and both are used in catalytic converters. Not sure about other uses, I have none. However I have almost a 50/50 split of gold and silver.
Unfortunately both were higher when I started stacking, but I'm within a few percent of what I paid, its the premiums on silver that screw you. I had cash in the bank that I needed to be safer, keep my bank accounts lower than since I was a teen.
I also leveraged my high credit rating to get 3 CC with welcome bonus AND 0%. I have already paid off 2/3rds of the credit having paid no interest.
APMEX is not usually the cheapest option, but they have a CC that refunds the CC upcharge of 4% towards future purchases. Current Offer is 150 Welcome Cash for spending 1,500, buying 1 oz of gold or 1,500 of silver gets you way below spot.
You can use the welcome cash from other cards, and buy from any online, but you won't get the upcharge of the metals dealer for CC back.
APMEX selling secondhand gold bars @ 2078 -150 gets you down to 1928 and then you have the 83 in dollars (points )
You can use the welcome bonus and the 0% APR period in combo for other purchases including groceries and also whatever cash back points.
Amex gives me 3% back on Grocery Stores (No Walmart,Target, or CostCo) I forget what the welcome bonus and 0% APR term was, years ago. You can upgrade this AMEX to get 6%, but for us its not worth the annual fee starting year 2.
I get a kick out people who tell you they don't use credit... All fiat money is credit.
I just got a couple Amex as well , even macys sent me a Amex I don’t shop macys but Im Using it to get the cash back options on all other purchases . Discover has a couple good cards to , I have 2 different ones in one year I got checks totaling well over 800 dollars from the points that they turn into cash , I called to see how the flight miles worked on one of them and she said or “we can just send u a check , right now you have 542.00 dollars” I said .. send the check lol , . I use it for everything, and pay off the balance each month . Nearly a 1000 in one year of free money .
I lived abroad from 2017-2020 and didn't use CC, several close my accounts. When I returned to the USA and applied, I got the cards that canceled welcome bonuses again! Silly Banks, Trix are for Kids.
You can also avail of checking account welcome bonuses, but be careful, they make it hard for seniors by giving you a tight window on the required direct deposits. They will require 2 at those banks and SS is slow, payroll direct deposits change to the new bank faster. They also will let you re-open new accounts after xxx amount of time goes by and get those bonuses again.
Palladium is in the Platinum group of metals, and both are used in catalytic converters. Not sure about other uses, I have none. However I have almost a 50/50 split of gold and silver.
Unfortunately both were higher when I started stacking, but I'm within a few percent of what I paid, its the premiums on silver that screw you. I had cash in the bank that I needed to be safer, keep my bank accounts lower than since I was a teen.
I also leveraged my high credit rating to get 3 CC with welcome bonus AND 0%. I have already paid off 2/3rds of the credit having paid no interest.
APMEX is not usually the cheapest option, but they have a CC that refunds the CC upcharge of 4% towards future purchases. Current Offer is 150 Welcome Cash for spending 1,500, buying 1 oz of gold or 1,500 of silver gets you way below spot.
You can use the welcome cash from other cards, and buy from any online, but you won't get the upcharge of the metals dealer for CC back.
APMEX selling secondhand gold bars @ 2078 -150 gets you down to 1928 and then you have the 83 in dollars (points )
You can use the welcome bonus and the 0% APR period in combo for other purchases including groceries and also whatever cash back points.
Amex gives me 3% back on Grocery Stores (No Walmart,Target, or CostCo) I forget what the welcome bonus and 0% APR term was, years ago. You can upgrade this AMEX to get 6%, but for us its not worth the annual fee starting year 2.
I get a kick out people who tell you they don't use credit... All fiat money is credit.
I just got a couple Amex as well , even macys sent me a Amex I don’t shop macys but Im Using it to get the cash back options on all other purchases . Discover has a couple good cards to , I have 2 different ones in one year I got checks totaling well over 800 dollars from the points that they turn into cash , I called to see how the flight miles worked on one of them and she said or “we can just send u a check , right now you have 542.00 dollars” I said .. send the check lol , . I use it for everything, and pay off the balance each month . Nearly a 1000 in one year of free money .
I lived abroad from 2017-2020 and didn't use CC, several close my accounts. When I returned to the USA and applied, I got the cards that canceled welcome bonuses again! Silly Banks, Trix are for Kids.
You can also avail of checking account welcome bonuses, but be careful, they make it hard for seniors by giving you a tight window on the required direct deposits. They will require 2 at those banks and SS is slow, payroll direct deposits change to the new bank faster. They also will let you re-open new accounts after xxx amount of time goes by and get those bonuses again.