One thing I have been hearing the stealers, I mean dealers, say lately is this: "Coins are not pure silver, so I don't pay anywhere near spot because I have to pay to have the silver removed from the other metals in the coins." It's a load of bunk, and only been a 'concern' since the price has spiked up, but it is getting to be a regular excuse for getting silver WAY below spot. The shysters in my area are offering $17 on $1 face using this excuse.
I love coinflation and use it multiple times a day. I almost never read their articles though, for the reasons stated above. I also have their iPhone app and that is awesome, especially when I'm at the flea market and need a quick reference.
