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<p>[QUOTE=&quot;Publius2, post: 7949569, member: 105571&quot;]I am finishing up my IHC collection and most of my coins are in the MS grades, a few maybe AU-58 but nice ones.&nbsp; The only gaps are 1870 Shallow N, 1871 </p><p>Bold N, 1872 Shallow N, and 1877.</p><p><br /></p><p>I&#039;m not having any difficulty finding nice, MS-64/65 examples of the 1870-72 semi-keys within my budget.&nbsp; What I cannot find is a nice, accurately-graded 1877 at a price that is not highway robbery.&nbsp; The problem is three-fold simply because it&#039;s the key date.&nbsp; All the coins are over-graded because of market grading, and the trend toward over-grading,&nbsp; 1877s by their nature are not very nice looking coins so a nice one gets PQ pricing,&nbsp; and any key date is rapaciously priced for obvious reasons.&nbsp; </p><p><br /></p><p>Now, I am not railing against the facts of life and commerce here.&nbsp; I&#039;m merely setting up the reasons why I am in the same quandary you are.&nbsp; Do I spend $2K to $2.5K for an over-graded VF coin to go in my MS set, or do I spend $5K or $6K for a MS coin?&nbsp; The dilemma is pronounced because I have other collecting interests that have a claim on my budget.&nbsp; I just haven&#039;t resolved this yet and more tellingly, haven&#039;t determined a set of criteria to frame the decision.[/QUOTE]</p><p><br /></p>

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