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<p>[QUOTE=&quot;treylxapi47, post: 2192210, member: 41863&quot;]Some dealers advertise the policy, others you just have to ask them. </p><p><br /></p><p>Most dealers I know realize coins are sort of pricey and not everyone has money to burn on a collectible all the time. So the good dealers out there will work with you in order to sell their wares, and some will even do it simply to help you obtain a better collection over time. In fact I was speaking to close dealer friend of mine that I utilize the lay-away option with fairly regularly and his words to me were that he enjoys working with me as much, if not more than people who can just buy whatever they want anytime they want it. His reasoning was that he knows I will truly enjoy the coin and that it will become a centerpiece of my collection over just being another hole filler or acquisition for the big money spenders. </p><p><br /></p><p>To answer your question though, I know Heritage offers a payment plan on coins over $1000, so does GreatCollections, and even Gerry Fortin advertises on his site that he is willing to utilize a realistic payment plan option to help you obtain coins. </p><p><br /></p><p>In fact of all the times I have asked for a payment breakdown or some leniency in coming up with the big money needed to buy a coin, I have only been turned down one or two times, and I have even used this method on ebay very successfully by just asking the seller. </p><p><br /></p><p>Also, if you are creative enough and build good relationships with dealers, if you ever get turned down from an unknown seller, you can ask your dealer friend to act as a purchasing agent to obtain the coin and then pay that known dealer on a payment plan. This too has worked for me on more than one occasion. </p><p><br /></p><p>A word of caution though, DO NOT take advantage of the good natured dealer. Show respect, don&#039;t ask for discounts if you are going to take 3 months to pay, consider that a finance charge and the price of obtaining the coin you want. Make sure you purchase coins from that dealer outright when you can, and consider that tying up inventory on slow payments costs them money so always make sure they are compensated for their time and effort too. </p><p><br /></p><p>The key to all of this is building a good relationship with many different dealers and having a stellar reputation yourself. </p><p><br /></p><p>I have acquired a very dynamic collection using these little tricks and tips and now have a collection that far surpasses my initial projection. I would have never been able to get the 1875-CC $.20 piece I just finished paying off, or a nice 1858-O seated quarter that I needed for my set in a tougher date for the grade I acquired without using these methods. You just have to ask sometimes.[/QUOTE]</p><p><br /></p>

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