A no brainer on $10k is buying an ibond from the Treasury. They are paying 7.12%. They are about to rerate them so it may even be higher. Look at at the rules and make sure you are comfortable.
Just get a HELOC. You don't have to take the money out. Just use it like a checking account. That way you wont be paying the interest. If you see something you want then buy it. Not sure how much you would qualify for unless your primary is close to zero. I think its going to be tough to see...
Hit the local pawn shops is one idea. If you think metals are going higher get an ETF like the SLV. Stay away from MF they will rip you going and coming. Even the no load funds get their cut thru a management fee. Heck silver pops up here from time to time. Throw a WTB out there that you...