If you are looking to buy ten or more ounces i know where you can buy it a little under spot. PM me...
If you are buying big enough its not so bad on Ebay. Ive gotten oz for 12% under spot when buying bulk off ebay. Craigslist also has a few good deals but there its more shady and flaky on CL then 100 fresh baked biscuits hanging out under a palmtree.
just looking for maybe a $100 bag, since silvers down right now, i found 1 place charging $22.32 per $1....
Then again you also have tards selling wheat pennies for 25 cents each in ads like this wonderful one titled: [h=2]"OVER 2000 WHEAT PENNIES FOR $500"[/h] Oh joy the deal ive been looking for, now I can retire...
Try some local shops first. I can get junk silver at melt prices at my local dealer. Beats paying premiums and shipping. Plus it helps out a local business!