To my mind, silver's still 50% to 100% above "low". "The best time to buy" is when you find some that you can flip immediately for a better price, or something that you really, really like. To me, the worst time to buy is when I think it's approaching a bottom, or when I think it's about to go up. Because I can't predict the price with any confidence, and I really don't believe anyone else can, either -- unless they're in a position to move the market themselves.
As always, no charge. Follow my ways, and you too can be sitting on a modest pile of cash and very few worthwhile coins. Still better than no pile of cash and no worthwhile coins, though, IMHO.
Were literally talking about pennies here, unless you plan on buying a large quantity probably doesn't matter a whole lot, but if you our I would recommend APMEX even if you just want to dabble a bit, largest selection of all the major dealers by far.
The key to doing well and holding silver is to seek out the odd sources. My favorite is a long term friend that repo’s abandon storage rooms. It’s amazing the number of times he will call me with some odd bag full of old junk silver. See, he doesn’t pay attention to spot silver markets like your local dealer does. His motivation is different. He just want to make good on what the storage room costs him…. Had another fellow that used to repair my office machines. He put a sign on his car “I’ll buy your gold and silver”….. He did so well that now he has two of those “we buy gold” stores…. Now frankly, I lucked up on my deal but with a little creative thinking I bet a fellow could come up with ways to score silver at a deal.