I really don't have a problem with the idea of Boulder banning guns. It just means they'll be the first target for the Denver locusts when collapse comes. They'll make great meat-shields while I escape North to Wyoming.
The difference between spot price and the price you're paying is what's called the "premium." It covers the costs of minting and distributing the rounds. A 10-15% premium is very normal.
What's interesting in this market is that most premiums are around 25%, which means there's a disconnect between the spot price (which is based on paper value of silver) and the real-world price. Theories abound on why this is, including manipulation of the market.
Given current conditions, the $30.61 price is very fair. A silver bull market typically takes a few years to unroll, so move forward only if you're looking to hold onto the bullion for multiple years; if you expect to need that money in three months, don't do it.
Tell you what, if you'll ask specific questions, I'll answer them all to the best of my ability. Only do this if your curiosity is genuine.
If it is, you'll find this to be a good starting point. The first 8 minutes are fluff:
If you want an accurate score, don't take a test designed for average people. It'll give you a higher score than it should; I suspect that's part of the reason we've got so many 160's here - that's Einstein tier. Find a test for high-IQ people.
I agree, they're generally that way. I enjoyed the conversation, but I let it lapse because the juice wasn't worth the squeeze.
I joined because I was insecure at the time. Oddly, joining helped me be less arrogant, because I didn't have anything to prove to myself. So Mensa did that, at least.
I think 140 is about the sweet spot; I can do whatever I choose to apply myself to, and much higher it becomes a lot harder to deal with society.
I'm calling out the datefags.