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Message:: [QUOTE="Just Carl, post: 220165, member: 4552"]I for sure do not agree with dumping a lot of money of the highest quality of coins for any beginner. This is a great way to discourage a new or young collector. As noted if a person can only afford one or two coins of MS grades a year, then after about 30, 40 or 50 years that person would still not have one complete set of anything and the prices of all such coins just keeps going up and up and up. By the first several years the hobby would be just something to go back to someday, maybe. My opinion based on my own method of collecting. I started coin collecting ove 60 years ago and collected anything I could get my hands on regardless of grade. Over the years I attempted to improve each collection with higher grades and better Albums. I put the best coins in album #1, move the coin from there to album #2, and on and on and on. Now up to numerous sets of all demominations with #1 in each in almost all MS quality. Took well over 60 years but all set #1's look nice now.[/QUOTE]