Coin Trading - Return Privileges and Guarantees
Most coin dealers want their customers to be happy because they like repeat business. Dealers realize that happy customers return to purchase more coins. Happy customers are more likely to tell their friends about the positive experience they've had with a particular dealer.
Businesses spend large amounts of money to attract new customers. The cost of retaining customers is much lower than the cost of finding new customers, but only if the customer is treated right. With this in mind, the typical coin dealer will usually offer a return privilege of some length. During this time, you may inspect the coins you purchased, choose to have the coins evaluated by an expert or certification service of your choice, and, if you're not happy with them, return the coins for a refund.
Return privileges are your chance to decide whether you really like the coins you purchased. Our advice: If you don't like a coin, return it immediately. We guarantee that if you don't like a coin today, you'll hate it even more tomorrow. To this day, Ron owns several coins that he simply can't stand. Every time he sees them, he asks himself, "Why the heck did I ever buy this piece of junk?" Instead, he should be asking himself, "Why didn't I return this coin when I had the chance?"
Return privileges appear in a variety of forms and lengths, ranging from no return privilege (the worst) to an extended, flexible period that is fair to both you and the dealer (the best). Most return privileges fall somewhere in between.
Before buying a coin, find out what kind of return privilege your dealer offers. Instead of a cash refund, you may be offered a credit against future purchases. Think twice before accepting a credit — you may never be happy with anything you receive from the seller. Never assume that you have a return privilege — ask.
Most knowledgeable and professional dealers work on close spreads — they pay fair prices when buying, and ask fair prices when selling. However, some dealers want to make a killing on every coin they buy or sell, and they do it any way they can. The dealers who make cheap offers are usually the same ones who undergrade your coins (their methods are the same).
This time, you take your Extremely Fine coin to a dealer, again expecting to get an offer in the $475 to $525 range. The dealer looks at your coin and agrees that it is a lovely Extremely Fine, and offers $250. "What!" you exclaim, "How can you offer $250 for a properly graded coin worth more than $500?"
The dealer replies calmly, "But I have a lot of expenses running this operation, I don't need the coin for inventory right now, I don't have any customers for it, and I'm trying to conserve cash." Welcome to the world of cheap offers. The dealer is hoping that you're desperate to sell, that you're stupid, or that you don't have anywhere else to sell the coin.
To combat the problem of cheap offers, get bids from at least three different dealers. If you're still not satisfied, try selling the coin yourself or offering it in an online auction. The extra effort on your part may pay off handsomely.
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