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<p>[QUOTE=&quot;GDJMSP, post: 323731, member: 112&quot;]Jim - </p><p><br /></p><p>Mark is correct, so were you by the way - you need to learn a bit more about grading. The coin in the auction, from what I could see, would grade XF at best. </p><p><br /></p><p>As to why a dealer, as I said Mark was correct. You&#039;ll see the differences in the coins right off, even if you don&#039;t know how to grade at all. But the main point is a dealer will likely sell you an XF &#039;21 Morgan for about 10% above melt value - less than that auction would have cost you.</p><p><br /></p><p>ebay is OK for buying coins for those who know what they are doing. That means ypou have to be able to estimate an approximate grade based on the pics - that&#039;s hard to do at best. You also need to know a realistic value for what you are bidding on so you don&#039;t over pay. And then you need to know your seller and trust them as well. many sellers on ebay will show you pic of one coin and send you an entirely different coin if you win the bid. Sometimes they may not even send the coin at all. And feedback, well feedback is about as useful as breast on a boar hog. It can be largely meaningless. </p><p><br /></p><p>But a good dealer, a good dealer you know right where he is if yo uever have a problem. You get to see the coins in person and compare them for yourself. You also get to pick his brain from time to time and expand your own knowledge. A good dealer will do this because he wants you to keep coming back - he knows who butters his bread. </p><p><br /></p><p>But remember, there are bad dealers out there too. You have to check around, ask other collectors, but you can find the good ones. But ebay, without knowledge ebay is like walking into a mine field with a blindfold on. You don&#039;t stand a chance.[/QUOTE]</p><p><br /></p>

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