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Message:: [QUOTE="Troodon, post: 793550, member: 4626"]If there's much at stake in the grade, I wouldn't buy online anyway; I'd want to examine the note in person.  To be honest the specific grade doesn't mean that much unless you're talking about a significantly valuable note.  The most valuable note I ever bought so far was a 1917 $2 US note (legal tender) which I took a good look at to see if it was priced according to its grade; I estimated it to be on the F/VF borderline and it was priced at what a reasonable price for F would be.  Wasn't any need to trust some TPG's opinion. I never understood the urge to pay huge amounts of money just so you have some note that gets 2 more numerical points on the grade than the average.  I'd rather spend that kind of money getting a larger variety of notes.  I prefer uncirculated when that's reasonably available and affordable, but I honestly can't tell the difference between a so-called 65 and a 66, so why should I pay extra for such a minute difference?  Especially when not every TPG will even call it a 66?  That's my main point really, and why I never buy graded notes or coins.  (One exception I'll make is if there's a significant question as to authenticity, and I think it's worth getting expert analysis as to whether or not it's genuine.  But not on what grade they think it is.)[/QUOTE]