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RE: $25 SILVER end-of-year.
Yes, go as cheaply as possible. My supplier is ridiculously low premium. Email me @ tmaestroway@gmail.com and I'll get you his contact. RIDICULOUSLY low premium and he's the most reliable small business dealer I've ever met.
Does he have any Swiss refined, poured type, and serialized silver kilo bars by chance. Perhaps from Metalor, UBS, Argor-Heraeus, Baird & Co, or PAMP?