$4.55= $91 at 20 times face for the silver coins. Also worth noting: Say you used 4 peace dollars (last silver dollars minted by the US Mint for circulation in 1935) in payment. (Forget about the .55 for now.) Those are worth approximately $30+ (for cull/damaged) dollars a piece. Those have a premium on them. If 1921 or 1928, worth considerably more due to scarcity. Coin stores will pay spot, even then, it's a rip off. Always sell privately. Once we came completely off the precious metals standard in 1964, we were prone to massive spikes in inflation. Keep your silver until you can get a modern price for it compatible with current day inflation rates.