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Message:: [QUOTE="Ana Silverbell, post: 3556116, member: 75156"]You are correct. My experience has been that if you want a graded, common coin, such as a 1958 quarter or a common Silver Eagle, its cheaper (and less of a gamble) to buy the coin already graded, even if you think its an MS65/MS66. For example, a PCGS, MS66 1958 Washington quarter can be bought on eBay for about $25, free shipping. If you send your "MS66 quarter" to PCGS, it may not come back MS66, and it will cost more than $25 when you add the price of the coin, shipping and grading fees. Such coins are not worth grading and not worth the gamble. An MS67 or higher coin? These are also a gamble. It depends on the value if you do hit a better, low population grade. Check out <a href="http://numismedia.com/rarecoinprices/fmv.shtml" target="_blank" class="externalLink ProxyLink" data-proxy-href="http://numismedia.com/rarecoinprices/fmv.shtml" rel="nofollow">http://numismedia.com/rarecoinprices/fmv.shtml</a> for coin prices and trends so you know the grade you need to hit for the graded coin's value to be high enough that it is worth submitting. I enjoy raw coins more. The few coins I have had graded are coins that I believed had a value of at least a few hundred dollars. I like VAMs as well so I have sent what I believed to be a higher grade Morgan in for grading and VAM attribution. Obviously, rarer, high end coins are better candidates for submission.[/QUOTE]