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<p>[QUOTE=&quot;avr5700, post: 1230442, member: 30063&quot;]$35 on a $40 spot would be *terrible*.&nbsp; Just *horrible*.&nbsp; The rate at $40 should be around $28.&nbsp; There is only ~.71oz of silver in most combinations of $1 of face 90% coinage.&nbsp; It varies when you include slightly higher concentrated coins like the $1 coins or lower concentrations like the last few years of the Kennedy halves.&nbsp; Still, most coin shops sell you mixed pre-65 quarters/dimes and maybe halves at the &#039;standard&#039; face rate so these concentration variables don&#039;t usually matter.&nbsp; Do the simple thing...drive down to your busiest local coin shop and see if they can satisfy your purchase quantity at a reasonable rate (they will inflate the direct factor by 1-2x ... so expect $30 or so @ $40 spot).&nbsp; Happy hunting![/QUOTE]</p><p><br /></p>

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