Thanks for the tips, very interesting re: pens. I live in the South, so even before I knew what I was doing, I pretty much had it ingrained in me not to pay too much over spot. We have people here who will seriously try to sell a coin for 50% over spot because it's some rare year/edition/whatever. The few coins the gold exchange here had left, they only charged me 2 dollars over spot, which I thought was fair, even for coins. The numismatic exchange here didn't even answer the phone when I was calling Saturday, so I figured it was crazy town over there and didn't even bother with them. I am going to try again this week. I'm hoping one of these places has a big bag of junk silver coins like Apmex has but are currently sold out of.