Dennis - excellent post, and highly likely to help some beginners.
Just one minor comment: This definitely depends on the size of the item - an earring or small pendant may take around 30 seconds, but if you are heating say a large bangle you'll be looking to circle with your torch for 2-3 minutes before it gets hot enough for the solder to flow. It doesn't mean your torch isn't hot enough provided you are using something like the go-system torch - just that because of the weight of the silver it needs more time to get it to a nice temperature.
Just thought I'd point this out, as a beginner might start to worry if they see nothing is happening after 30 seconds!
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