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Message:: [QUOTE="Mr. Coin Lover, post: 458493, member: 16060"]There are people here that appear to be very knowlegeable on coin grading. I applaud all of you that are.:smile When I build a set of coins I try to get an idea of what the highest grade of the most expensive coin in the set I can afford. That usually works out to be in the AU territory. An exception to this was the Peace Dollar. A couple of years ago the 22's and 23's were so cheap one could afford to spend a little more on the 21 and 28. I try to learn what a XF to AU to low MS should look like and go from there. Since the vast majority of my coins are unslabbed I thought this was important to do this and still do. I spend a few days looking at slabbed coins to see if I think what I learned is reality. So I apply three things: #1 my budget, #2 what I learn and #3 eye appeal. I like all my coins to be about the same in the grading. I don't care much about having a MS 63 1909 Indian Head Penny and F15 1909-S. Do others do the same, or do you have big differences in the grade and appearance in your sets? Curious to know, thanks for any and all comments.[/QUOTE]