Seller says he is not a coin expert (but apparently knows more than PCGS). Says coin not cleaned, but may have been cleaned by previous owner (ya think?). Was sent to PCGS but they did not certify as 14/13 overdate (because it is not an overdate). Slabbed in highest AU details holder (whatever that means).
Ron Guth: Experts speculate that the 1914/3 Nickel was caused when a 1913 dated master die was repunched with a 1914 dated hub. This theory is supported by the fact that there are several different overdate dies, plus overdates reported for both the 1914-D and 1914-S Nickels. The strongest 1914/3 die from the Philadelphia mint is known as FS-101 (old FS-014.87). The closeup illustrated above is from a different die and shows doubling on all digits of the date, plus a fairly strong top of the 3. Value for this variety depends on the strength (visibility of the doubling). Thus, the FS-101 commands the highest premium. Other, less visible overdates command smaller premiums.
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