Help me understand why one of my Morgan Dollars is MS64 and the other is MS66. I would say that maybe the MS66 is over graded by a point, but it is also CAC approved so I doubt it is over-graded. Ignoring the die polish lines, both these coins have a few obvious hits, both have great luster, both are semi-PL, both seem to have nice strikes (I could be wrong about this one). If you agree with both grades, are there specific areas of the 64 that make it two less points that the 66? Are there aspects of the 66 that elevate it to this grade? Just to be clear, I currently own both of these coins. 64: 66:
I see a lot of nicks and scratches on the rim of the MS64 - I'd have to think that's where it lost its points. I'm by no means a Morgan expert, but the MS66 has an awful lot of bag marks, including the face - but 1880 S may be a tough strick and they give it the benefit of the doubt.
1900-O: I think is above average for the grade. IMO, this one should have the green bean. Very nice MS64! Breaks in the fields from 9:30 - 10:30 Distracting mark above the eye Cheek is pretty clean, with only one slight ding (tough to see more from the pic) Strike is good, but still not complete. Hair above ear is average Reverse: Mark on the eagles head Reverse: field marks on between body and eagles left wing I can see the semi-PL on obverse and reverse 1880-S: I think this one is overgraded and can't believe they gave it a green bean Way too many hits on the cheek for a 66. The 64 has a much better cheek and this is the main focal point on the obverse Clear die polish lines on the obverse and strong fields on the reverse as well. I'll bet this has a lot of luster in-hand and could almost be PL. Hard to tell more from the picture. It looks as if there is a slight luster break on the obverse at 5, put with PL pictures, that mark could be misleading. I can't explain why the 80-S got the grade it did. Who graded it: NGC or PCGS? Not saying that has any difference as I've seen improperly graded coins in both holders. I'm just curious.
I'm going to study your reply when I get home and go line by line. I'll have more comments then. To answer your question, the 80-s is PCGS MS66 and CAC and it is currently being used on PCGS CoinFacts site as a featured / example MS66 coin. (cert 27833698).
For an 1880-S that coin is not even a '64 let alone a 66. They screwed up on that one - big time. And so did CAC. The early S mint Morgans, '79, '80, '81 especially, are held to much tougher standards when grading than any other Morgan, always have been. That being graded a 66 just amazes me ! The 1900-O being a 64, I'd agree.
I don't know how that '80-S got a '66. There's just to much distracting chatter on the face...........
I'm not trying to be critical of your coins. I collect this series and spend a lot of time viewing photos on eBay, Heritage, Stacks, Legend Morphy, David Lawrence, NE Numismatics and any other place I can view coins. I own many 65's, 66's and a couple 67's. I have DPL's as well as some PL's. I'm just starting to get comfortable with purchasing toned Morgan's solely from photos. I do not consider myself an expert either. I have seen many coins in holders that I just pass on because I don't agree with the grade. You should be very happy with the 1900-O. That's a really nice MS64 and the fields look to be semi-PL as well. I just don't agree with the MS66. The biggest mis-graded Morgan are the ones in GSA Holders. I don't know the thinking behind and I really like NGC's grading of Morgans. They're not perfect by any stretch, but I think they do a better job on DPL and PL designations in this series vs. PCGS. I own Morgans in both holders though, because I like to think I buy the coin, not the holder. I'll be curious to hear your thoughts.
That 1880-S ... MS66? ... I don't think so. That's a real head scratcher. One of the easiest dates to find in true gem unc, I wouldn't touch that particular coin at even MS64 money.
In my opinion the 1900-O is beautiful and I would be proud to have it in my collection. It seems high end for the grade at 64 and on any given Sunday could make it in 65 holder. As for the 1880-S, I have no clue what they were thinking.......
I hope you didn't take my reply the wrong way. I appreciate your detailed response, and I am openly asking for comments / criticism of my coins. I want to carefully review what you said, so I can compare your comments to the photos and learn, I just cant do it while I'm at work.
Those are not hairlines. OP, If you own the 80-S and it's CAC certified, contact them and express your concerns.
Well, I wouldnt go that far. MS66 coin has alot of die striations / die polish lines, but clearly this coin has not been harshly cleaned.
MS66 coins was purchased already graded and already CAC. The MS64 coin (1900-o) was purchased by me raw, submitted to NGC, and I am thinking about sending it to CAC.