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Is this Dime Worth Another Shot for FB?

ProofCollectionProofCollection Posts: 7,718 ✭✭✭✭✭
edited May 21, 2026 11:14PM in U.S. Coin Forum

This dime looks pretty close to FB (full bands) for me. FBs are uber rare for this date. And would there be a better shot with reconsideration or regrade? Most 98-Ds are plumb smooth.
PCGS definition:
For Roosevelt dimes, PCGS evaluates the horizontal bands on the torch. The Rule: Both the upper and lower pairs of horizontal bands on the torch must be fully separated. Condition: The dividing line between the bands must be complete, unbroken, and free of significant cuts or marks.


Comments

  • jmlanzafjmlanzaf Posts: 40,597 ✭✭✭✭✭

    I don't think so, but it's your money.

    All comments reflect the opinion of the author, even when irrefutably accurate.

  • MeltdownMeltdown Posts: 9,211 ✭✭✭✭✭

    That's a heck of stike for the date. I'd say 50/50

  • PeakRaritiesPeakRarities Posts: 4,799 ✭✭✭✭✭

    The way this explained to me by a PCGS grader was that you have to imagine the lines are like a river and water needs to flow from one end to the other without obstruction or a diversion. Looks pretty close to me.

    Founder- Peak Rarities
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  • ShurkeShurke Posts: 753 ✭✭✭✭✭

    The bottom bands might be a little too weak. But on the other hand, if you’d told me this coin was graded with FB, I wouldn’t have questioned it.

  • manlye1manlye1 Posts: 238 ✭✭✭

    See if you can get FT from across the street then cross it?

  • ProofCollectionProofCollection Posts: 7,718 ✭✭✭✭✭

    @manlye1 said:
    See if you can get FT from across the street then cross it?

    I thought about that. Now the question is, do I cross it to 67FT only? or do I crack it out to remove bias?

    The answer there kind of hinges on this next question:
    Is the coin solidly/reliably MS-67? I'd hate to lose the grade.

  • alaura22alaura22 Posts: 3,835 ✭✭✭✭✭

    If it's in a p 67 holder it's worth the shot going from 65/850 price level
    It would be worth a try, many times!
    It's the bottom bands that are of concern
    My vote is to send it in for reconsideration

  • orevilleoreville Posts: 12,285 ✭✭✭✭✭

    20/80

    A Collectors Universe poster since 1997!
  • Cougar1978Cougar1978 Posts: 9,669 ✭✭✭✭✭

    No

    Investor
  • johnny9434johnny9434 Posts: 31,751 ✭✭✭✭✭

    No

  • mr1931Smr1931S Posts: 6,975 ✭✭✭✭✭

    It's a waste of money to send this piece in to a TPG for further evaluation. No.

    The measure of intelligence is the ability to change.
    Albert Einstein (14 March 1879--18 April 1955)

  • skier07skier07 Posts: 4,709 ✭✭✭✭✭

    Is there a monetary upside?

  • alaura22alaura22 Posts: 3,835 ✭✭✭✭✭

    @skier07 said:
    Is there a monetary upside?

    See my post above

  • WalkerfanWalkerfan Posts: 10,226 ✭✭✭✭✭
    edited May 24, 2026 6:46PM

    I wouldn’t do it.

    I’m not seeing full bands/torch.

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

    My Full Walker Registry Set (1916-1947):

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

  • MFeldMFeld Posts: 16,470 ✭✭✭✭✭

    @skier07 said:
    Is there a monetary upside?

    If the answer were “No”, I think it highly unlikely that this thread would exist.😉

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

  • MEJ7070MEJ7070 Posts: 851 ✭✭✭✭✭

    Definitely hammered for the date and it’s in the vicinity……but I think the bottom band is going to prevent a FB designation from PCGS.

  • pmh1nicpmh1nic Posts: 3,488 ✭✭✭✭✭

    @MFeld said:

    @skier07 said:
    Is there a monetary upside?

    If the answer were “No”, I think it highly unlikely that this thread would exist.😉

    The answer to the question is somewhat subjective. You might consider it a monetary benefit (worth the time and expense of getting it graded) if your base opinion is the coin is a 67. A 65 not so much if any.

    The longer I live the more convincing proofs I see of this truth, that God governs in the affairs of men. And if a sparrow cannot fall to the ground without His notice is it possible for an empire to rise without His aid? Benjamin Franklin
  • cladkingcladking Posts: 29,875 ✭✭✭✭✭

    I think it's technically FB but they don't like the little mark on the extreme left side or the larger one above to the right.

    tempus fugit extra philosophiam.
  • oldabeintxoldabeintx Posts: 2,926 ✭✭✭✭✭

    So this ultra-common coin goes from $60 to $850 if those insignificant bands on the reverse are complete? I must have woken up in another dimension this morning.

  • ProofCollectionProofCollection Posts: 7,718 ✭✭✭✭✭

    @oldabeintx said:
    So this ultra-common coin goes from $60 to $850 if those insignificant bands on the reverse are complete? I must have woken up in another dimension this morning.

    It's not ultra common in MS condition. Only around a Pop of 200 in PCGS MS holders of all designations.

  • leothelyonleothelyon Posts: 8,532 ✭✭✭✭✭

    The marks, scratches on both bans, might they be the problem to getting a full strike designation. One quick glance of a mark on the bands by a grader ...... Does your coin have a complete detailed strike? Is this something to be concern about because I see areas on the reverse that look weak or soft in detail. The obverse looks fine! Checked 4 1998 mint sets that I had handy and on every D mint dime the top band was clear, mark-free and bold. But the bottom band on every one of them had a rub or incomplete strike on the right side.
    With Jefferson nickels, my main focus has been on the overall strike, otherwise, what are we looking at/measuring? I prioritize locating those first strikes with razor, sharp, complete full details. I don't dis on a VEDS example over minor marks on the cheek, fields or steps especially those that include superior luster. Locating a VEDS example is by far rarer/harder to find than a coin with weak or softer details that show only the steps or bans struck up, in my opinion. This 1960-P is a prime example of this, beat up with a superb VEDS, PL strike! Someone else thought the same when they sent it in to be graded and True Viewed!

    A full strike designation has not always been about just one miniscule detail/segment of a coin! But I really do have my doubts that that would be any kind of significant problem or a prerequisite to receiving a full strike designation! Other than improving the details on the reverse if the photo is correct, you have a superb example of this date aside from the marks on the bands.

    Here's an interesting article. It would be interesting to see a counterfeit 1998-D dime; https://coinagerings.org/is-your-1998-d-roosevelt-dime-genuine-how-to-authenticate-full-bands-and-avoid-costly-fakes/#google_vignette

    Leo

    The more qualities observed in a coin, the more desirable that coin becomes!

    My Jefferson Nickel Collection

  • ProofCollectionProofCollection Posts: 7,718 ✭✭✭✭✭

    @leothelyon said:

    Here's an interesting article. It would be interesting to see a counterfeit 1998-D dime; https://coinagerings.org/is-your-1998-d-roosevelt-dime-genuine-how-to-authenticate-full-bands-and-avoid-costly-fakes/#google_vignette

    That article is a waste of time, probably written by AI, and regurgitates this whole thread into an article format and misses the fact that the coin is in an MS67 holder already.

  • davewesendavewesen Posts: 6,905 ✭✭✭✭✭

    I do not think it is, but you might get them on a good day (or walkthrough at a show).

    Having said that a few years ago I had a beautiful MS66 Roosevelt that I sold on eBay for about $65. About a year later I was looking at my previous submissions and a cert was no longer active. I checked on eBay and that Roosevelt was sold again now in a PCGS MS67FB holder for $3K (tied for top pop).

  • MsMorrisineMsMorrisine Posts: 38,895 ✭✭✭✭✭

    @oldabeintx said:
    So this ultra-common coin goes from $60 to $850 if those insignificant bands on the reverse are complete? I must have woken up in another dimension this morning.

    wait until you experience FBL -full bell lines - on a franklin

    Current maintainer of Stone's Master List of Favorite Websites // My BST transactions
  • MasonGMasonG Posts: 6,939 ✭✭✭✭✭

    @ProofCollection said:
    It's not ultra common in MS condition. Only around a Pop of 200 in PCGS MS holders of all designations.

    PCGS price guide says $12 in MS64 & $27 in MS65. I'd bet there are plenty of MS examples out there that don't get sent in because it costs more to grade them than they're worth.

  • alaura22alaura22 Posts: 3,835 ✭✭✭✭✭

    @oldabeintx said:
    So this ultra-common coin goes from $60 to $850 if those insignificant bands on the reverse are complete? I must have woken up in another dimension this morning.

    @MsMorrisine said:

    @oldabeintx said:
    So this ultra-common coin goes from $60 to $850 if those insignificant bands on the reverse are complete? I must have woken up in another dimension this morning.

    wait until you experience FBL -full bell lines - on a franklin

    And don't forget
    Full step Jefferson Nickels
    Full band Mercury Dimes
    Full head Standing Liberty Quarters
    We won't even go into Red,RB,BN cents
    People collect what they want

  • jmlanzafjmlanzaf Posts: 40,597 ✭✭✭✭✭

    @ProofCollection said:

    @oldabeintx said:
    So this ultra-common coin goes from $60 to $850 if those insignificant bands on the reverse are complete? I must have woken up in another dimension this morning.

    It's not ultra common in MS condition. Only around a Pop of 200 in PCGS MS holders of all designations.

    That's only because the Mullins of other MS cents aren't worth submitting.

    All comments reflect the opinion of the author, even when irrefutably accurate.

  • oldabeintxoldabeintx Posts: 2,926 ✭✭✭✭✭

    @MsMorrisine said:

    @oldabeintx said:
    So this ultra-common coin goes from $60 to $850 if those insignificant bands on the reverse are complete? I must have woken up in another dimension this morning.

    wait until you experience FBL -full bell lines - on a franklin

    And don't forget
    Full step Jefferson Nickels
    Full band Mercury Dimes
    Full head Standing Liberty Quarters
    We won't even go into Red,RB,BN cents
    People collect what they want.

    Yes, to each his/her own. I happen to believe most of the special strike designations are concoctions meant to separate collectors from their money. Consider that the FBL, FS, and FSB designations apply to relatively modern and common coins. So why no special designations for many other series that may suffer from weak strikes? No 19th century coins for example. And all minor reverse design elements. The answer is that these designations elevate the “rarity” and PRICE of common coins. Also consider that strike is already taken into account with the grade. (Y/N?)
    Color designations for copper are needed to provide information to buyers who do not have the coin in hand and color is more difficult to capture in a photo.
    The FH designation is legit. The difference between a flat head, for example, and a full head is striking (pun intended), as an important and key part of the coin’s design may be lost. Even a non-collector can readily tell the difference in quality. Show an expensive FBL Franklin next to an almost FBL Franklin to a non-collector or even a casual collector and they’ll go “Whaaat?”
    JMO, it’s your money.

  • ProofCollectionProofCollection Posts: 7,718 ✭✭✭✭✭
    edited May 26, 2026 7:41AM

    @oldabeintx said:

    @MsMorrisine said:

    @oldabeintx said:
    So this ultra-common coin goes from $60 to $850 if those insignificant bands on the reverse are complete? I must have woken up in another dimension this morning.

    wait until you experience FBL -full bell lines - on a franklin

    And don't forget
    Full step Jefferson Nickels
    Full band Mercury Dimes
    Full head Standing Liberty Quarters
    We won't even go into Red,RB,BN cents
    People collect what they want.

    Yes, to each his/her own. I happen to believe most of the special strike designations are concoctions meant to separate collectors from their money. Consider that the FBL, FS, and FSB designations apply to relatively modern and common coins. So why no special designations for many other series that may suffer from weak strikes? No 19th century coins for example. And all minor reverse design elements. The answer is that these designations elevate the “rarity” and PRICE of common coins. Also consider that strike is already taken into account with the grade. (Y/N?)
    Color designations for copper are needed to provide information to buyers who do not have the coin in hand and color is more difficult to capture in a photo.
    The FH designation is legit. The difference between a flat head, for example, and a full head is striking (pun intended), as an important and key part of the coin’s design may be lost. Even a non-collector can readily tell the difference in quality. Show an expensive FBL Franklin next to an almost FBL Franklin to a non-collector or even a casual collector and they’ll go “Whaaat?”
    JMO, it’s your money.

    Maybe that's a recognition of expectations with modern mint production. There are definitely examples of 19th century coins that, although there is no formal "great strike" designation, collectors will pay premiums for examples with exceptional strikes even though it is already factored into the grade.

  • MFeldMFeld Posts: 16,470 ✭✭✭✭✭

    @ProofCollection said:

    @oldabeintx said:

    @MsMorrisine said:

    @oldabeintx said:
    So this ultra-common coin goes from $60 to $850 if those insignificant bands on the reverse are complete? I must have woken up in another dimension this morning.

    wait until you experience FBL -full bell lines - on a franklin

    And don't forget
    Full step Jefferson Nickels
    Full band Mercury Dimes
    Full head Standing Liberty Quarters
    We won't even go into Red,RB,BN cents
    People collect what they want.

    Yes, to each his/her own. I happen to believe most of the special strike designations are concoctions meant to separate collectors from their money. Consider that the FBL, FS, and FSB designations apply to relatively modern and common coins. So why no special designations for many other series that may suffer from weak strikes? No 19th century coins for example. And all minor reverse design elements. The answer is that these designations elevate the “rarity” and PRICE of common coins. Also consider that strike is already taken into account with the grade. (Y/N?)
    Color designations for copper are needed to provide information to buyers who do not have the coin in hand and color is more difficult to capture in a photo.
    The FH designation is legit. The difference between a flat head, for example, and a full head is striking (pun intended), as an important and key part of the coin’s design may be lost. Even a non-collector can readily tell the difference in quality. Show an expensive FBL Franklin next to an almost FBL Franklin to a non-collector or even a casual collector and they’ll go “Whaaat?”
    JMO, it’s your money.

    Maybe that's a recognition of expectations with modern mint production. There are definitely examples of 19th century coins that, although there is no formal "great strike" designation, collectors will pay premiums for examples with exceptional strikes even though it is already factored into the grade.

    There’s no comparison between the premiums paid for exceptionally well struck 19th century coins vs. those for more modern coins with grading designations of the type being discussed.

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

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