Well they went up on their junk silver today. $16.75. I believe spot should be 15.80 × face so I'm happy with only paying .95 over spot since I've been buying it for $16. So in the long run I've paid .20 cents over spot with silver prices $21.85. As long as it goes up I'm good.
I've offered 10-times face (on 90% coins) to several people that had a few, and they were happy with that. I they ever question it, all I say is, " you going to spend your time & gas costs to take these few coins to a local pawn or coin shop and get Melt-20%, I can give it now". With that in mind, they change their mind real quick.