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Message:: [QUOTE="kanga, post: 415194, member: 9270"]My Philiosophy: If you buy a coin with a problem, you will always have a coin with a problem.    I assume you mean the "best you can afford."And I agree.Since I have many years of collecting under my belt, I have developed a set of standards for what I'll accept into my collection.If I can't afford a coin that matches or exceeds those standards, I don't buy that particular issue.That's why I have only one coin from the 1790's. And it is the least expensive of all 1790's coins. My standards are NOT the same across all issues.For instance, my business strike silver Roosevelt's are all MS-66 (with a few FT's). That was my standard in collecting that set; I wanted a higher grade matched set.But the standards for my WL's were "the best I could buy for under $100 each." I had to violate that a bit since a couple of them are over $100 even in Good (my lowest collectable grade). I don't want to ever have to replace/upgrade a coin if at all possible.I've done it, but I don't like it.I can rarely get what I originally paid when I do that.[/QUOTE]