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<p>[QUOTE=&quot;ziggy29, post: 12705, member: 1113&quot;]I&#039;ve never had that intention, but occasionally I&#039;ve done it.&nbsp; And over time, sometimes my goals and personal standards change.</p><p><br /></p><p>Other than Morgan and Peace dollars, my other collection is of small cents from 1857-1933.&nbsp; Originally, years ago, I set VF as my target grade -- affordable, yet still having most of the design features still visible.&nbsp; Over the years, I&#039;ve decided to up the ante, and now my bogey is XF-AU.&nbsp; Other than a few varieties I may want to get some day, most of the holes are filled (unfortunately, most of the mega-keys are still to be filled; that is, no 1877, 1909-S Indian, 1909-S VDB Lincoln or 1914-D).&nbsp; And probably close to 90% of them are XF-AU now, including the entire 1866-1878 range (minus &#039;77, as stated above, which would set me back $2,000 or more as a solid, attractive XF).&nbsp; It&#039;s taken me twenty years to put this together; I&#039;m not rushing, and when I find the right coin at a decent value (not the lowest price for the grade) when I have the money to spend on it, another hole is filled or another lesser graded coin is replaced.&nbsp; To me, rushing on it just to fill holes and completing it takes some of the satisfaction out of building it.</p><p><br /></p><p>But there are still a few VFs and even nicer Fine coins I need to replace.&nbsp; I haven&#039;t bought a coin with the intention of &quot;filling a hole&quot; until I can do it right, but I have seen my own standards raising over the years.&nbsp; Personally I&#039;d rather look at an empty hole in an XF-AU collection than see a VG coin in that hole.&nbsp; Ditto for the Morgans; sure, I could buy XF specimens where high AUs and above are very expensive, but it would look out of place amidst a bunch of very bright and lustrous pieces.[/QUOTE]</p><p><br /></p>

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