It depends on the date/mm and estimated grade to determine if it would be worthwhile submitting. Your '87 is a common date (20.29 million) and the optimal collecting grade would be MS65 according to QDB. So, if it had been raw, it wouldn't ordinarily be worth submitting. Chris
Liquidity, yes, while value is debatable, but since we are talking a very common Morgan in a very common grade, chances are good that you will be able to sell for more slabbed than if the same coin were raw (generally speaking, of course). As for if it is "worth getting BU coins certified", the answer is nowhere near as simple as your question; are you talking only about Morgans? If you are, generally speaking my opinion is no. Generic "BU" Morgans are dime a dozen type material, so unless one knows how to properly grade and is quite sure a coin will grade at least gem (at whichever service), it is simply not worth it considering present values. One must also consider how much they have into a coin; as an example: person X has $50 into a raw "BU" and believes it will grade out at a 4, is it really worth the submission fees? Certain so-called "better dates" in the series, and regardless of grade, can be a different story. Even if a problem coin, residing in a gennie holder can make it much more salable and bring higher prices than if raw. Basically, there is no simple answer to your question as it was asked, and there is no reason to even consider submitting coins unless you have the ability to identify problem/altered/counterfeit coins and grade to whichever TPG's standards. For those without this ability, submitting is almost always an exercise in futility and a waste of money.
