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Message:: [QUOTE="imrich, post: 1980966, member: 22331"]I dealt with National Gold Exchange for many years, and don't believe they had but a 10-15% spread for a low end B&M coin dealer with a relatively large staff. Would probably still be in business if they hadn't excessive personal desires. I also dealt with Hannes Tulving for an appreciable time, and I believe he always had less than a 10% spread. It's others opinion that when he changed his business model, involving outside agencies, it cost him the "Store". Prior to that change, I believe that he personally had things in order, and most of the complaints I heard were from the "less organized" who seemingly expected a premier service at a paupers price. For additional information Google "Tulving Post Mortem". I wonder what the "spread" is for Heritage, who must have massive "overhead". Rich[/QUOTE]