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<p>[QUOTE=&quot;Ed Sims, post: 1850145, member: 59688&quot;]Actual melt value for 90% silver coin in xf or better condition is actually .72338 for half dollars, .72336 for quarters, and .7234 for dimes. Since most common date 90% silver is circulated the market standard is reduced to .715 to account for wear. Excessively worn coins such as the average circulated Barbers, all three denominations, and Standing Liberty quarters should be weighed since they have so much metal loss and even paying .715 times face could be too much.</p><p><br /></p><p>Most dealers now have to pay more than they used to just to get the 90% silver coin and to maintain their profit margin they have to sell it for 2 to 2.5 points over melt.[/QUOTE]</p><p><br /></p>

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