Honestly just depends on where you are. Keep in mind just like there are "supply" and "dump" banks there are "supply" and "dump" coin/bullion shops. A shop that is great to buy from might not be the best to sell from, similarly the coin shop that pays 95% of melt for 40%ers is unlikely to be a great place to buy junk silver. Shop around, go to pawn shops, jewellery stores, heck, even some of the independently owned "Cash 4 Gold" places might not be too bad. Worst case scenario you find a good place to buy.