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<p>[QUOTE=&quot;Mr. Coin Lover, post: 802010, member: 16060&quot;]First welcome to Coin Talk, I hope you enjoy yourself here. Second I was born and raised in Kentucky, and still have a good number of family residing there.</p><p><br /></p><p>To your question realize this is only my opinion, some may agree with me while others will disagree.&nbsp; I don&#039;t think there is a right or wrong here, it is just what works best for you.&nbsp; Also realize I know nothing about what your disposable income is to spend on coins.</p><p><br /></p><p>Many people will tell you and many books will also say &quot;buy the highest grade coin you can afford&quot;.&nbsp; I&#039;ve always had a little trouble with that statement for me personally.&nbsp; I like to regard that statement more in the terms of how much I&#039;m willing to spend.&nbsp; Not that I have that much money to spend on coins, but I think quality and quanity must be in harmony together to have a collection you are happy with. Another thing to remember is you are collecting for yourself I would imagine, and that is who you have to please.</p><p><br /></p><p>If you are going to collect a set of a particular type of coin such as building a set of Peace Dollars, Buffalo Nickels, or whatever this is how I do it.&nbsp; Get a magazine, a Red Book, or whatever that has a price guide in it. Realize the guide you are looking at is not going to be accurate, but from it you can get an idea concerning your future set.&nbsp; You may see that in Extra Fine to Almost Uncirculated you can reasonably afford all of them.&nbsp; Maybe you can afford all in Mint State, or maybe only Fine to Very Fine.&nbsp; What I avoid is having a set of coins that one coin will be a Mint State or Almost Uncirculated, while the coin next to these are only Fine or Very Good.</p><p><br /></p><p>That does not bother many people, but it does to me.&nbsp; Neither are right or wrong, just our personal preference.&nbsp; You may find that instead of being able to afford a total set you may&nbsp; have to be satisfied with one coin from each year.&nbsp; It may be that you may have to settle for some type of variety set of a particular coin.</p><p><br /></p><p>I give you a couple of examples that apply to me.&nbsp; I think Standing Liberty Quarters are very beautiful.&nbsp; I don&#039;t collect them because to get them in grades I would be happy with are too expensive for me.&nbsp; The one from each year is also too expensive because of the 1916.&nbsp; I like Seated Liberty Quarters, but again they are too expensive for me.&nbsp; But, after doing some research I think I cann afford to do a complete eight coin variety set in&nbsp; mid level grades.</p><p><br /></p><p>I guess the important thing here is to do some homework first so you can establish some goals that are obtainable. One last thing I do not buy hole fillers, I think it is a waste of money to buy a coin you know you are not happy with.&nbsp; I prefer to wait until I can afford the coin I in the grade I&#039;ll be happy with.&nbsp; Others do buy hole fillers, it works for them and that is fine I just don&#039;t like to do it.</p><p><br /></p><p>I hope this helps you some in starting your collection.[/QUOTE]</p><p><br /></p>

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