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RE: DEBT - America, no longer the Land of the Free?
Your welcome ;) . I find you will save about 15-20% by going into local coin shops for junk silver. If you really want a deal run a craigslist add that you are buying silver. What I do is call my shop and ask what they are paying for junk silver. It's normally a multiple of face and doesn't matter if you are getting dimes, quarters, halves, or dollars. I then run my add for 10% over what coin shops are paying and always get takers. Even if you offer spot price for the coins you are saving vs buying from a shop.
good point. that approach is not for everyone but I do know a fellow locally that goes that route. He offers cash for unused Canadian postage stamps and coins. He pays less than they are worth and makes money selling them again.
some people don't care about the value, they are looking for quick, convenient cash.
I am doing more and more of my buying online for convenience, so for me eBay is the preferred route.
you're doing much better at it than me. I find it the other way around, I can buy for less and with more convenience with eBay. I also live in a rural area and the nearest big center with coin dealers is over a couple hours drive.
Lucky I live where there are a million people within 30 minutes of me so supply is never an issue.