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RE: Why should you be hoarding coins?

You could get the best of both worlds.
Buy pre-1965 silver coins.

But damn if your roomies wouldn't spend them for 1/100 of their value, cause they need a smoke.

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They didn't do it but once, let me assure you.
Now I buy canning jar wax and melt it in over the top as the pile gets deeper.
Of course, the 5 gallon water bottle got too heavy and I had to start breaking them up into smaller jars.
Very little loose change in the house now.