Junk silver is the term used to describe circulated coins made of silver. In the US, all dimes, quarters, and halves minted before 1965 are 90% silver and 10% copper. When deciding how much to pay for your junk silver you must first know what the current going rate or spot price is for silver that day. You can check the chart at the bottom of this page for an updated silver market price per troy ounce.
Second, you should be aware that $1.40 of junk silver (face value) in any mixture of dimes, quarters, or halves, will equal one ounce of actual pure silver (less the 10% copper per coin). Next, you should multiply the the value of the silver coins by 5% to determine how much premium above and beyond the actual spot price you're willing to pay to obtain the junk silver. If the price on eBay or APMEX exceeds this computed price, you should think carefully before buying.
Lastly, for those whose math skills leave something to be desired, see coinflation.com for a great website that does all the above computations for you through the miracle of computing!
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