Something to remember is physical transactions in gold are pretty much always about 1 or 1.5% below spot, and in silver are 5% over for 1oz coins/rounds and 2-3% over for larger bars. Other PMs have even higher premiums to spot, rarely will physical platinum sell without a 3-5% premium unless it is a huge transaction.
Another thing is California has sales tax on precious metal transactions of $1500 or less. Above that, no sales tax.
