I purchased silver bullion through JM Bullion and was promised delivery in 20 business days. Now I find out that product is not available and jMB claims they have 30 days to ship - contraty to what they advertised and stated on several occassions. I have found that this is standard practice for this firm - they get your money and then string out the delivery - taking advantage of the use of your money. This pattern is repeated and I am speaking out to warn others to stay clear of JM Bullion!