Last time I looked at US online dealers closely, a few weeks ago, I was seeing Eagles at around 36 USD, Maple Leafs at about 33 USD, and Kruggerands and Philharmonics as low as almost 31.50 USD.I've been thinking of dipping my toes into a bit of bullion. Not really as an investment, and only 10k or so, but purely as insurance against a true SHTF scenario. What's a significantly lower premium? Right now spot Ag is at 31.48 CAD, and after looking at like a dozen dealers nation wide, best I could find was: MLs were 38.61 ( 22% premium) Eagles were 37.67 (20%), recognized other bars (like JM refiners) were 37.35 (19%). Even 100 oz bars still worked out to 36.41/oz (16%). Gold MLs on the other hand were 2290 vs a spot of 2176 ( 5%). While the Gold MLs are a better deal, you're out of luck if you want to buy less than $2k worth of something in said SHTF scenario. 1/10 oz Gold MLs worked out to 2523/oz. I guess it's just the cost of refining and minting.
I was thinking that for an American it might be better to go for anything but Eagles, not just because of the higher premium, but also because I'm pretty sure it's illegal to melt Eagles here. I know it's illegal to melt old "junk silver" coins.