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where to buy bullion

are you guys buying at the local pawn shop, b and m, online?????????????who is giving you the best rates..........................some local b and m are selling stuff at, or below (o my), spot near my locale ................ im assuming they can only do this if they purchased well below current spot, and they enver pay more than 75-80% for it anyway.....is this typical, should i expect to pay spot pricing??

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