The CHEAPEST offer for online coins (localbitcoins.com) near me is $25! This is $8 over spot! How can people seriously act this way?
Look into
Localbitcoins.comTheir markups are reasonable (for the convenience of having your coins within days, or even hours), and if you're dealing with a good seller, they'll have enough BTC on-hand to meet any of your needs. And they can do the ACH and slow transfer stuff behind the scenes (like a buffer).
Anyways, check it out. I use it a lot to sell and make contacts with buyers.