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Says you should buy paper promises of silver because they are cheaper then silver. Paper sells at spot and physical silver sells at a premium above spot. Well, I have found that if you go to a local coin shop, buy "ready for melt, scrap or cull" silver and wave cash money under the owners face, he may sell physical silver to you at spot or even 1% below spot. Look at it this way, when you purchase with a credit card, the merchant pays the ridiculously named "merchant discount fee" to the credit card processor. This is about 3% of your purchase. It goes straight to the credit card company- not the merchant's pocket.
Be careful that your state does not charge sales tax on your purchase. Go somewhere else to buy if they try to charge you sales tax on silver.