[jchcollins]

Interesting concept. No idea what my collection is truly worth retail, but if you do the scatter factor math on my most valuable card vs. what my collection is insured for, the figure is somewhere between 11 and 12. I will say that some of my most valuable cards got that way by appreciation and not directly through what I paid - and anymore, after the el nutso prices we were all witness to during the bubble - I'm left with a bit of a bad taste in my mouth about the truly pricey cards I'd still like to have. Though I'm mostly a star / HOF singles collector and not a true set collector at least by upbringing, I am working on two vintage sets right now. For singles, I kind of see the days of laying down true serious cash for one card as waning. I don't know what that number is for me, maybe ballpark it around $500 in the recent past? Anymore that's just too difficult for me to do, either in terms of saving for specific cards, or otherwise moving stuff in other areas of my collection to get the job done. I've done a ton of that in the past sure, but just saying I'm getting tired of it, if not totally unwilling to do it based on pure financial reasons. That, plus I'm also likely showing my age at this point in terms of condition preferences, coming full circle with that again: When I got back into the hobby seriously for the first time since my 20's about 6 years ago, I was a stickler of sorts. EX for 50's cards, EX-MT and up for 60's and later. Yeah, yeah. Recently I have found that I'm just as happy with VG cards for 60's and back so long as they retain eye appeal. For the '72 Topps set I am currently building, the aim is to end up with EX quality overall, but I can tell you I already have a lot of VG-EXish commons. The truth is they still look good, at least to the kid who still lives inside my mind's eye - and life is just getting to be too short. I'd rather make hay with quantity over technical quality in many cases in the name of accumulating more cards in the time I have left.

Anyhow, the point there being I would expect my "factor" number to probably go up, and not down - in the coming years of my collecting.