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<p>[QUOTE=&quot;NorthKorea, post: 1313129, member: 29643&quot;]Herm, it really depends on personal preference.</p><p><br /></p><p>Are you submitting through a local dealer or opting for the membership route?</p><p><br /></p><p>As stated elsewhere in this thread, the value of submission is highly dependent upon the value of the coin.</p><p><br /></p><p>An example:</p><p><br /></p><p>You submit a roll of Morgans that you expect to come back as MS-65 or better. The submissions will cost you around $600 in total (give or take). If you insure at full MS-65 value, then the grading fees will go up, as well. If the coins all come back as MS-63 or lower, you will probably end up in the red on the transaction. The only exceptions would be on key date coins.</p><p><br /></p><p>Basically, I use the following as my rule of thumb:</p><p><br /></p><p>Unless the XF40 value is more than 3x the VG8 value, I don&#039;t bother submitting the coin. The main reason is the additional value driven by the holder will not be enough to off-set the overall risk / cost related to having the coin graded.</p><p><br /></p><p>Alternatively, unless the value in the holder in the lowest grade you expect less the value of the coin in &quot;raw&quot; state is at least double the grading fees, I wouldn&#039;t bother.[/QUOTE]</p><p><br /></p>

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