We had a huge drop today in both silver and gold. I didn't think it would come down again. But now that it has I would say low 20 by summer.
http://www.carlscoins.com/CC-Coins/1939-Merc-67Fb-Obv.jpg This is what tarnish looks like!
I have never heard of anyone buying pandas at spot - something up or your coin dealer is very off his/her game. I'd be careful.
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