When thinking about building a collection, it's important to formulate a plan according to your budget. Without a plan, it will be difficult to create a well-matched set.

For instance, placing an MS-64 or 65 grade coin next to a VG example has the effect of making the VG look worse than it actually is. Mixing a wide range of grades creates a hodge podge -- this type of set lacks continuity and overall eye appeal. Further, poorly matched coins inhibit resale value and -- most important -- viewer pleasure.

For best results, begin a collection with a solid plan and stick to it with as little deviation as possible. A well-matched set will be beautiful, have continuity, look its best and draw anxious buyers when time for resale.

As usual, there are exceptions to this guideline. Very large and/or expensive sets will be hard to match closely on a limited budget. In any case, keep this concept in mind, no matter what your collecting focus.