Thanks for all of the info, and sorry for so many questions! Hopefully you have time to answer one more...
What do you think of goldmoney.com for precious metal investments? They are heavily promoted by people on Steem but just wanted to get your thoughts as well.
I can't speak about their services from any personal experience, but I am somewhat familiar with some of their ideas. I like the idea of having your precious metals value held for you on a debit card that you can take and spend anywhere, as you like. And, I like Mike Maloney - he's one of the more knowledgable and gifted communicators when it comes to teaching other people about the precious metals market. I don't know of any reason not to use GoldMoney, if that's what you are interested in checking out. I've never heard any bad news about them.