I'm writing an informative article about the cheapest way to buy silver. I need US-based certified financial planners, commodities market analysts, economists specializing in precious metals, or academics specializing in financial markets to share unique insights. To be considered, please answer the following questions (all or the ones you can answer): 1. How should a first-time silver buyer think about the difference between spot price and the premium they'll actually pay at checkout? 2. Why do silver bars — especially larger ones like 10 oz or 100 oz — typically carry lower premiums than coins, and is that always the better deal? 3. How do generic silver rounds compare to government-minted coins in terms of premium and overall value for a cost-conscious buyer? 4. What are some practical strategies investors use to reduce what they pay per ounce when buying silver bullion? Explain. 5. Beyond the purchase price, what other costs do investors tend to underestimate when factoring in the true cost of owning physical silver? Explain. 6. How should investors weigh a lower premium against factors like liquidity and recognizability when deciding which silver product to buy? Finally, please provide: 1) your role/title, a link to your LinkedIn profile, company website, and company descriptor 2) a good email to follow up if needed (MUST be the source’s email) IMPORTANT: We can’t accept AI-written responses or responses submitted elsewhere. These questions are meant to prompt nuanced, in-depth expertise. Please share relevant hypothetical scenarios or client experiences to support your answers.