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Would You Crack Out a Gold Bean to Make a Top Pop?

FlyingAlFlyingAl Posts: 4,107 ✭✭✭✭✭

All these threads on gold beans got me thinking.

Suppose you stumbled across a coin in a OGH CAC Gold beaned holder, say MS65. The coin happens to be a rather rare DDO, which has a top pop in MS66.

Crack, or keep in the old holder?

For the purposes of this experiment, let's assume I would not accept VSS as an option. We can also assume that the value of the coin in the variety holder (MS66 attributed) is greater than a standard MS66.

Comments

  • TomBTomB Posts: 22,356 ✭✭✭✭✭

    VSS?

    Thomas Bush Numismatics & Numismatic Photography

    In honor of the memory of Cpl. Michael E. Thompson

    image
  • davewesendavewesen Posts: 6,757 ✭✭✭✭✭

    If I had a competitive registry set and the bonus points along with upgrade would bump me up a few places I would.

  • FlyingAlFlyingAl Posts: 4,107 ✭✭✭✭✭

    @TomB said:
    VSS?

    They put a sticker on the slab with the variety on it.

  • Morgan13Morgan13 Posts: 1,853 ✭✭✭✭✭

    Difficult question to answer but gold beans get so much respect that I believe most variety collectors would be able to see it for what it is.

    Student of numismatics and collector of Morgan dollars
    Successful BST transactions with: Namvet Justindan Mattniss RWW olah_in_MA
    Dantheman984 Toyz4geo SurfinxHI greencopper RWW bigjpst bretsan MWallace logger7

  • pcgscacgoldpcgscacgold Posts: 3,265 ✭✭✭✭✭

    @MFeld said:

    @pcgscacgold said:
    Easy one for me. No, I would not crack a Gold Beaned coin :smiley:

    If I cared about the coin achieving top-pop status, I’d submit it under “Reconsideration” service with a minimum grade, rather than crack it out.

    I am into coins for the history. The old holder, the gold bean all mean more to me than a registry set Top Pop.

  • coinbufcoinbuf Posts: 12,000 ✭✭✭✭✭

    A very easy answer for me, no I would not. I personally love collecting old holders and those with gold beans are quite literally gold. ;)

    My Lincoln Registry
    My Collection of Old Holders

    Never a slave to one plastic brand will I ever be.
  • MFeldMFeld Posts: 15,404 ✭✭✭✭✭

    @pcgscacgold said:

    @MFeld said:

    @pcgscacgold said:
    Easy one for me. No, I would not crack a Gold Beaned coin :smiley:

    If I cared about the coin achieving top-pop status, I’d submit it under “Reconsideration” service with a minimum grade, rather than crack it out.

    I am into coins for the history. The old holder, the gold bean all mean more to me than a registry set Top Pop.

    I feel the same way, which is why I prefaced my comment with “If I cared about the coin achieving top-pop status…”

    Mark Feld* of Heritage Auctions*Unless otherwise noted, my posts here represent my personal opinions.

  • coinbufcoinbuf Posts: 12,000 ✭✭✭✭✭

    @TomB said:
    VSS?

    Variety Slabbing Service. I believe it's run by forum member messydesk and is primarily focused on Morgan VAMs.
    https://varslab.com/vamslab.html

    My Lincoln Registry
    My Collection of Old Holders

    Never a slave to one plastic brand will I ever be.
  • P0CKETCHANGEP0CKETCHANGE Posts: 3,064 ✭✭✭✭✭

    From a purely financial standpoint: it depends on the expected value of the coin in a top pop holder, the current market value with gold sticker, my perceived chances of obtaining the upgrade, and the value of the costs incurred (in fees and time).

    From a collector standpoint: hell no, I love the OGH + gold CAC combo.

    Nothing is as expensive as free money.

  • humanssuckhumanssuck Posts: 562 ✭✭✭✭✭

    I dont care about the old holder and gold cac.

    I dont care about the registry points either.

    So i guess I wouldn't crack it, but only out of sheer laziness.

  • sanddollarsanddollar Posts: 462 ✭✭✭

    res ipsa loquitur

    The coin speaks for itself.
    (Leave it alone.)

  • oldabeintxoldabeintx Posts: 2,565 ✭✭✭✭✭

    Perhaps nummus ipsa loquitur?

    One day I might try to monetize my collection. Until then I don’t screw around with cracking out, resubmitting, crossing, stickering, etc., etc. The coin’s the thing, the only thing. For now.

  • WaterSportWaterSport Posts: 6,948 ✭✭✭✭✭

    I have cracked a few green beans because they were a cherry picked variety and then sent them to get re beaned after I got the variety designation on the label. For me the variety is whats important - not the bean. So I don't think a gold bean would stop me from doing the same since wouldn't they just put another gold bean on the slab like they have been doing with the others???

    WS

    Proud recipient of the coveted PCGS Forum "You Suck" Award Thursday July 19, 2007 11:33 PM and December 30th, 2011 at 8:50 PM.
  • Cougar1978Cougar1978 Posts: 9,038 ✭✭✭✭✭
    edited November 16, 2025 11:08AM

    Yes - would submit for higher grade. But specify minimum grade so not cracked unless it makes higher grade. Want the higher grade, max MV.

    Investor
  • yspsalesyspsales Posts: 2,630 ✭✭✭✭✭
    edited November 15, 2025 12:05PM

    Whatever will maximize value.

    I have a soft spot for varieties, so that would be a cool honor.

    Likely yes, if the variety or VAM has some clout.

    Run of the mill variety with little demand? Back to maximize the value.

    BST: KindaNewish (3/21/21), WQuarterFreddie (3/30/21), Meltdown (4/6/21), DBSTrader2 (5/5/21) AKA- unclemonkey on Blow Out

  • sanddollarsanddollar Posts: 462 ✭✭✭

    Whatever maximizes enjoyment (not financial).
    An older, no-line NGC slab and/or a PCGS early holder with a gold CAC makes for a better presentation than a new slab with no CAC gold, even if the insert states a higher grade.
    Once you move forward with the 'upgrade' there is no going back. The holder and sticker are gone and that is one less head-turning-at-a-show experience that is lost for ever.

  • I have a proof coin with only five known. It has a gold sticker and graded 64. If it upgrades it is the only 65. I haven’t given it a lot of thought whether I should try for an upgrade.
    I wonder if CAC quits stickering will it be completely stopped? What if you want to reholder an existing slab due to scratches, etc.? I guess I could ask CAC. Should one try to get everything stickered now? Thanks, for thoughts.

  • CatbertCatbert Posts: 7,827 ✭✭✭✭✭

    @Coinobsessed said:

    I wonder if CAC quits stickering will it be completely stopped? What if you want to reholder an existing slab due to scratches, etc.? I guess I could ask CAC. Should one try to get everything stickered now? Thanks, for thoughts.

    I suggest you create a new thread to solicit answers.

    Seated Half Society member #38
    "Got a flaming heart, can't get my fill"
  • yspsalesyspsales Posts: 2,630 ✭✭✭✭✭

    @sanddollar said:
    Whatever maximizes enjoyment (not financial).
    An older, no-line NGC slab and/or a PCGS early holder with a gold CAC makes for a better presentation than a new slab with no CAC gold, even if the insert states a higher grade.
    Once you move forward with the 'upgrade' there is no going back. The holder and sticker are gone and that is one less head-turning-at-a-show experience that is lost for ever.

    I like your reply.

    I was coming back to edit my initial response.

    The financial gain would have to be pretty significant, for me to " maximize the value."

    BST: KindaNewish (3/21/21), WQuarterFreddie (3/30/21), Meltdown (4/6/21), DBSTrader2 (5/5/21) AKA- unclemonkey on Blow Out

  • numis1652numis1652 Posts: 44 ✭✭✭

    And this Forum title question says exactly what is wrong about this “ hobby “.

    It’s all about the plastic and thus it’s all about increasing the market value of a coin ARTIFICIALLY !

    What a shame.

  • FlyingAlFlyingAl Posts: 4,107 ✭✭✭✭✭

    @numis1652 said:
    And this Forum title question says exactly what is wrong about this “ hobby “.

    It’s all about the plastic and thus it’s all about increasing the market value of a coin ARTIFICIALLY !

    What a shame.

    I believe in this case, the value of the gold sticker far exceeds that of the coin itself judging by the replies.

  • Cougar1978Cougar1978 Posts: 9,038 ✭✭✭✭✭
    edited November 16, 2025 10:45AM

    If people want pay or bid big money for the gold sticker well that’s them.

    Not a payer, bidder above the grade on the holder. For all I know it could have failed to grade higher in submission. Others don’t agree it’s a higher grade.

    Investor
  • tradedollarnuttradedollarnut Posts: 20,262 ✭✭✭✭✭

    My answer ranges from absolutely yes to complete a Hall of Fame PCGS set to absolutely not if it was a 1909 rattler cent.

  • LeeBoneLeeBone Posts: 4,675 ✭✭✭✭✭

    Even for making a Top Pop I would not crack an OGH/CAC Gold Bean Coin.
    Period.
    I would just make note of it to potential buyers and when it comes time to part with it.
    You'll get more for it being in an old holder with a Gold Bean than a higher grade with or without even a Green Bean IMO.

  • pointfivezeropointfivezero Posts: 1,941 ✭✭✭✭✭

    IIRC, even JA stated he would not consider or recommend cracking out a gold bean. I’m aware of a well known dealer who cracked the only gold stickered 1923-S WLH and only upgraded from a 63+ to a 64. I believe he lost several thousand dollars compared to what the gold stickered coin would have brought.

    Tim

  • humanssuckhumanssuck Posts: 562 ✭✭✭✭✭

    @LeeBone said:
    Even for making a Top Pop I would not crack an OGH/CAC Gold Bean Coin.
    Period.
    I would just make note of it to potential buyers and when it comes time to part with it.
    You'll get more for it being in an old holder with a Gold Bean than a higher grade with or without even a Green Bean IMO.

    While in general I think the gold sticker has more demand, therefore helping the price, its highly dependent on what the coin is. If its a $20 Saint that becomes top pop for example, wealthy registry players would likely bid it up in a new holder with the top pop grade well beyond what the gold sticker would fetch.

  • ProofmorganProofmorgan Posts: 836 ✭✭✭✭✭

    The market perception of the gold bean seems to be 1-2 grades higher. You can see many many auction results to prove this theory (a significant percentage being 2 grades higher).

    My vote is leave it alone.

    Collector of Original Early Gold with beginnings in Proof Morgan collecting.
  • Cougar1978Cougar1978 Posts: 9,038 ✭✭✭✭✭

    What if you hold a gold stickered coin for a long time but then it goes bad in the holder from tarnish, spots, reaction to the atmosphere?

    Investor
  • JimTylerJimTyler Posts: 3,877 ✭✭✭✭✭

    Crack out no guarantee to upgrade (top pop). I’d stick with the gold bean.

  • JimTylerJimTyler Posts: 3,877 ✭✭✭✭✭

    @Cougar1978 said:
    What if you hold a gold stickered coin for a long time but then it goes bad in the holder from tarnish, spots, reaction to the atmosphere?

    You’re screwed…what else ?

  • WalkerfanWalkerfan Posts: 9,860 ✭✭✭✭✭

    @JimTyler said:
    Crack out no guarantee to upgrade (top pop). I’d stick with the gold bean.

    Me, too…Especially, if in a vintage slab!!

    Sometimes, it’s better to be LUCKY than good. 🍀 🍺👍

    My Full Walker Registry Set (1916-1947):

    https://www.ngccoin.com/registry/competitive-sets/16292/

  • RobertScotLoverRobertScotLover Posts: 1,059 ✭✭✭✭✭

    @pcgscacgold said:

    @MFeld said:

    @pcgscacgold said:
    Easy one for me. No, I would not crack a Gold Beaned coin :smiley:

    If I cared about the coin achieving top-pop status, I’d submit it under “Reconsideration” service with a minimum grade, rather than crack it out.

    I am into coins for the history. The old holder, the gold bean all mean more to me than a registry set Top Pop.

    Me to

  • FlyingAlFlyingAl Posts: 4,107 ✭✭✭✭✭

    There seems to be a focus on the OGH/bean combo meaning that the coin has more "history".

    Playing devil's advocate here: If it was truly about the coin, wouldn't we want it to be properly identified as a rare variety, rather than keep it in a holder that doesn't properly describe the coin?

  • TomBTomB Posts: 22,356 ✭✭✭✭✭

    @FlyingAl said:
    There seems to be a focus on the OGH/bean combo meaning that the coin has more "history".

    Playing devil's advocate here: If it was truly about the coin, wouldn't we want it to be properly identified as a rare variety, rather than keep it in a holder that doesn't properly describe the coin?

    If it was truly about the coin then it wouldn't need certification at all.

    Thomas Bush Numismatics & Numismatic Photography

    In honor of the memory of Cpl. Michael E. Thompson

    image
  • P0CKETCHANGEP0CKETCHANGE Posts: 3,064 ✭✭✭✭✭

    @FlyingAl said:
    Playing devil's advocate here: If it was truly about the coin, wouldn't we want it to be properly identified as a rare variety, rather than keep it in a holder that doesn't properly describe the coin?

    That still sounds like it’s about the slab, not the coin.

    Nothing is as expensive as free money.

  • FlyingAlFlyingAl Posts: 4,107 ✭✭✭✭✭
    edited November 15, 2025 8:32PM

    @P0CKETCHANGE said:

    @FlyingAl said:
    Playing devil's advocate here: If it was truly about the coin, wouldn't we want it to be properly identified as a rare variety, rather than keep it in a holder that doesn't properly describe the coin?

    That still sounds like it’s about the slab, not the coin.

    Ultimately it's always about the slab, because we all know the slab makes the coin in today's market and collector world. The question is - which slab is the proper one?

  • orevilleoreville Posts: 12,191 ✭✭✭✭✭
    edited November 15, 2025 9:10PM

    No. It is all about the stability of the coin in the older slab.

    A Collectors Universe poster since 1997!
  • pcgscacgoldpcgscacgold Posts: 3,265 ✭✭✭✭✭

    @oreville said:
    No. It is all about the stability of the coin in the older slab.

    Spot on @oreville

  • MEJ7070MEJ7070 Posts: 302 ✭✭✭✭✭
    edited November 16, 2025 3:34AM

    @pointfivezero said:
    IIRC, even JA stated he would not consider or recommend cracking out a gold bean. I’m aware of a well known dealer who cracked the only gold stickered 1923-S WLH and only upgraded from a 63+ to a 64. I believe he lost several thousand dollars compared to what the gold stickered coin would have brought.

    Tim

    There was a gold beaned AU 55 of a VERY difficult date within a type/series I know well that was cracked out years ago and made into a green beaned AU 58. The owner of the coin was after the (Everyman) registry points.

    I think it cut the value of the coin by around 25-30%…..and I think that gap will continue to widen as more time passes.

    The owner may be entirely pleased with the 58 instead of the 55. To each their own. I would never crack a gold CACd coin under any circumstances though. At this point, like it or not, they are their own thing entirely.

  • renomedphysrenomedphys Posts: 3,892 ✭✭✭✭✭

    I think you can get the gold bean back after you get the variety attribution. Cert number would stay the same. Maybe also on reconsideration. As long as the cert number and the grade remain the same. If it upgrades, all bets are off

  • Coins3675Coins3675 Posts: 887 ✭✭✭✭

    I wouldn't, because another might be discovered and them you are left without anything special.

  • JBNJBN Posts: 1,935 ✭✭✭✭✭

    @MEJ7070 said:

    @pointfivezero said:
    IIRC, even JA stated he would not consider or recommend cracking out a gold bean. I’m aware of a well known dealer who cracked the only gold stickered 1923-S WLH and only upgraded from a 63+ to a 64. I believe he lost several thousand dollars compared to what the gold stickered coin would have brought.

    Tim

    There was a gold beaned AU 55 of a VERY difficult date within a type/series I know well that was cracked out years ago and made into a green beaned AU 58. The owner of the coin was after the (Everyman) registry points.

    I think it cut the value of the coin by around 25-30%…..and I think that gap will continue to widen as more time passes.

    The owner may be entirely pleased with the 58 instead of the 55. To each their own. I would never crack a gold CACd coin under any circumstances though. At this point, like it or not, they are their own thing entirely.

    I came across an example where a NGC AU55 Gold CAC was crossed to PCGS AU58+ (the coin has very nice toning with a lot of die clashes) while researching my recent purchase.

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