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Message:: [QUOTE="silvercowboy72, post: 1198572, member: 28647"]I am doing my homework and compiling a want list for the upcoming Baltimore Show.  I always make a spreadsheet showing me where current prices are for the coins I intend to look for.  I usually look at Coinage, Coin World, and the NGC price guide to get an understanding of where current prices are.  Due to the current Silver market, the current Coinage and Coin World are grossly outdated to the market changes.  I know a lot of you think that the NGC price guide is "full retail".  How would you come up with a fair price in the current market?   Here are two examples of coins I will be shopping for: 1884 Philly Morgan  NGC MS-64  $120  NGC MS-65 3251888 Philly Morgan  NGC MS-64  $120  NGC MS-65 250 I understand that I should look for a coin that pleases my eye appeal and wallet, but I do not want to insult a dealer either.  I understand that they have to make a living.  Would 10% off of full retail be ok?  Does anyone know what the grey sheet values are for these coins? I am thinking that $110 would be fair for the MS-64's, and $300 and $225 would be ok for the MS-65's.   Would any of you mind being my sounding board on this? Your input would greatly be appreciated. Thank you for your time. JD[/QUOTE]