Goldmoney vs Goldwiser
On a positive note the Goldwiser buyer was willing to accept the 10g Goldcube not is assay packaging - no problem. He even commented that he had gotten several of them in in the past few weeks.
I was offered USD 315. That would be a 20% fee. Intense negotiation might have improved the offer, but I was curious to see what the base offer would be.
Contrast this to the now 0.5% fee charged by Goldmoney. Hmm 20% or 0.5%? decisions decisions
Anyone tempted to criticize the fees charged by Goldmoney should chew on that for a while.
This also speaks the how Goldmoney makes gold useful. Liquidity. Logon from any mobile device to buy or sell for 0.5% or transfer for free.
Compare this to finding a buyer, going there in person, paying up to 20% in fees, and (in the case of Goldwiser) then depositing their check into your bank account or going to Goldwiser's bank to cash the check for yet an additional fee. Your mileage may vary.
Stacking may be satisfying and comforting … but unless or until you find a merchant who accepts physical gold in payment, you will pay a dear cost should you need to tap your reserves.