One thing some dealers don't mention is they get some value out of the other metals in US silver coins if they are sent to a refiner. Bit of a scam actually. Junk silver may be the best buy providing they are not too worn. Learned this from Northern Illinois Precious Metals if you are looking for an honest (if prickly) dealer. Stuff seems to be selling on ebay at a premium, but minus the fees make it an iffy proposition.