Hi punman!
Also, don't get too stuck on book price, no matter what book or paper you go by. Any of them are only guides, no more than that. Whenever this discussion comes up I always get reminded of a gentleman I once saw years ago -- he was looking at a nice lower-priced MS coin that was priced at $11.50. He had his price guide with him, and book price was $10. Well he dithered and danced -- he needed the coin to fill a hole, and the grade was quite sweet -- but he couldn't bring himself to pay the extra $1.50. In fascination I watched as this guy agonized for maybe 15 minutes -- up and down, pace pace, check his guide 5 times -- he really wanted the coin, but because the guide said $10 he just couldn't bring himself to buy it. I mean, he really wanted it, you could see it on his face. Eventually he left the shop and never did buy it. I knew the fellow slightly, money was not a problem with him -- he just wouldn't pay over guide, no matter by how little. Did he ever get another at his price? I don't know. What I did take away from it all was this: What is the coin worth to ME? If I look at a sweet treasure, and it's priced slightly higher than book, or if it's a rarity and more than slightly high, I assess the situation. How bad do I want it? I won't be foolish and pay mega-high, but on the other hand I try not to get bogged down in the details. If it guides at $10, would I pay $12? Sure. Pay the money and move on to the next table. More deals are lost because someone spent too much time haggling over 50 cents when they could've just paid the price and moved on, and pick up another sweet piece at a real bargain price right next door. A couple of bucks here and there to get what I want is nothing. I figure that I get enough good deals over time that it more than makes up for over-paying the odd time. It helps my collection and keeps my blood-pressure down. Ultimately you are the one parting with the cash, so pay what you can afford, and don't worry about a few pennies here and there. In the long run as your coins go up in value it'll all be a moot point anyway.