It's easier to go to SDBullion.com or Moneymetals.com than to research a lot! They seem to be competitively priced. A lot of "premiums" are very high now. That's what you actually pay compared to spot prices. Many buy silver Maple coins as opposed to US Silver Eagles cuz they are a better value and still easily sold back. Rounds and small bars like other cmmt said are rlly easy and the best, so then it's not confusing. They are the best value, but coins are minted by the gov, so are higher priced but more sought after for higher return; but all is able to be sold back when the price incr'ses.