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Then she should get out more.

The world is your lobster.

One born every minute Terry. As I was saying to Chisholm the other day...

It really depends what you're collecting. For post-1816 I'd agree with most of the above but for earlier milled and hammered my impression is that F coins have done reasonably well and VF's a bit better. It's taken me 20+ years (before then I didn't worry about grades at all) even to eliminate, with one exception, the words Poor, Fair and VG from my collection! I'd never collect much above VF anyway as part of the fun is imagining the coins having circulated/used by people hundreds of years ago.

Most of the coins I've had from the US have been slabbed by NGC. The first thing I do is take a hammer to them.

Values aren’t everything. Some of us want to handle our coins with care, viewing under different lighting conditions, as nature (or mints) intended, not entombed in scratchable plastic.