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<p>[QUOTE=&quot;PlanoSteve, post: 24826477, member: 91609&quot;][USER=98410]@Raizac[/USER], I&#039;ve seen several of your &quot;notes&quot; posts now, &amp; I have to ask for clarification as to your intention with your collection.&nbsp; If you continue paying high premiums for less than optimum specimens for your collection (in this $20 example, you paid 20% more than a serious collector would pay for basically a &quot;spender&quot;), you will quickly be underwater when it comes time to sell. </p><p><br /></p><p>&nbsp;For example, if I found this note in circulation, I would either spend it on something useful, or put it into my investment acct ($20 I put into the acct last January is now $24.52).&nbsp; If I put a twenty dollar bill that is worth roughly it&#039;s face amount into a collection that is essentially stagnant, then I would actually be losing money (think inflation).</p><p><br /></p><p>Btw, in &quot;money&quot; collecting terms, &quot;old&quot; does not equate to &quot;valuable&quot;, in most cases (although I hear a lot of arguments against this idea <img src="styles/default/xenforo/clear.png" class="mceSmilieSprite mceSmilie8" alt=":D" unselectable="on" unselectable="on" />).&nbsp; Condition is essential.</p><p><br /></p><p>If you are a casual collector, &amp; just want a few representative specimens, then it&#039;s OK to be non-discretionary in your buying. But based on your recent posts on various notes, I would be wary of continuing this trend before you do a lot more research <b><i><u>before you buy</u></i></b>.</p><p><br /></p><p>...and learn the business &amp; don&#039;t make things up...and delete YouTube!</p><p><br /></p><p>I hope you will openly accept the advice/comments of our esteemed &amp; knowledgeable members &amp; not take offense.&nbsp; We aim to help/inform.[/QUOTE]</p><p><br /></p>

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