Conventional Wisdom says paying a premium on fractionals is OK, since you get it back when you sell.
This may still be true when reselling individual coins, but here's a major dealer who not only is paying a premium on oz, but buys fractionals at less than spot.
True, but the difference is if you want to sell $100,000 worth, Silvertowne can cut you a check. There may or may not be a buyer for $1000 worth on ebay or cbay.
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