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Posted By: Rob

I think the most cost effective way is to start by trying to find "deals" first, no matter what the card is, since you still need 95% of the set. If you see a big low grade lot of commons for $10 a card, get it. If you see one of the rarities that usually sell for $2k going for $1k-$1200, then get it.

If you limit yourself to just HOFers or just a handful of rarities right now, you might see yourself paying full book price both now AND later. Instead, take any deal that comes along right now, and don't get picky till later.

We can really only speculate what will go up in the future (will low grade commons jump up in price? will low grade rare backs become more affordable? probably not but who knows).

thats how i'd start it BTW, you'll often see some good deals in the Buy/Sell/Trade area of this site so keep your eyes open there too.
good luck!
Rob