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<p>[QUOTE=&quot;Owle, post: 1360427, member: 22004&quot;]That is all true.&nbsp; I have sent uncertified $20s to a major wholesaler.&nbsp; A few of the coins were cleaned, so the company assumed guilt by association--they were all worth the problem coin price instead of the XF/AU price.&nbsp; And those premiums have varied from a little over spot to 20% or more especially for the gold dollars up to the $5 Indians.&nbsp; It is a lot harder for the buyer to say the coin is damaged, cleaned, or altered surfaces if the coin is in a holder.</p><p><br /></p><p>But these days a problem gold coin is worth around the metal price at Heritage, Rarcoa and Spectrum--they may give you a few percent over melt if you are lucky.[/QUOTE]</p><p><br /></p>

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