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<p>[QUOTE=&quot;Tom B, post: 915533, member: 11854&quot;]I prefer to accumulate gold by buying modern US $5 commems at melt value or slightly below melt value.&nbsp; Virtually all of these raw pieces should certify MS69 or PR69 or higher, in my opinion, but I would not pay a premium for a certified example.&nbsp; In fact, I might pay a bit <i>less </i> for a coin without its original government packaging because it is my experience that many folks at shows <i>want </i> the original government packaging.&nbsp; Currently, APMEX is showing gold at about $1,217 and this puts the melt value of modern $5 commems at about $295.&nbsp; Therefore, I would purchase these at slightly below $295, but would not pay anything near the $320 quoted since it is nearly 10% <i>above </i> melt value.[/QUOTE]</p><p><br /></p>

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