Premium Coin Analyzer Terms & Conditions

Terms & Conditions

All chart’s current value as changed around the beginning of each month. The performance increase is based on the cost, in U.S. Dollars, as reported on January 1, 1970.

The PCGS 3000 Index, Mint State Rare Gold Coin Index, and Morgan and Peace Dollar Index are reprinted with the permission of Professional Coin Grading Service (“PCGS”). It is the understanding of Lear Capital, Inc. (“Lear”) that these indices are based on a hypothetical $1,000 investment in the coins indicated and that the calculations do not make any allowance for commissions, fees, or other transaction costs which can be significant and which must be recouped before an investment in precious metals will turn a profit. Lear makes no representations or warranties regarding the information set forth therein, including the manner in which it was calculated.

The price to melt value calculator and related tools are for informational purposes only.

Lear is a seller and purchaser of precious metals. While Lear is always prepared to compare and contrast the different Precious Metals that are available for purchase or that Lear is willing to purchase, no fiduciary relationship exists between Lear and its customers, the decision to purchase or sell precious metals, and which precious metals to purchase or sell, are the customer’s decision alone, and purchases or sales are made subject to customer’s own prudence and judgment. In Lear ’s opinion, precious metals should be considered a long-term investment. Customer should be prepared to hold any precious metals purchased - whether from Lear or elsewhere - for at least a three to five year period, and preferably five to ten years, to maximize the potential for gains. In Lear’s opinion, customer should only invest capital that can be held for at least this period of time. However, precious metals, like all investments, carry capital risk. Precious metals may appreciate, depreciate, or stay the same depending on a variety of factors. Lear cannot guarantee, and makes no representation, that any particular precious metals or precious metals in general will appreciate at all or appreciate sufficiently to make customer a profit at the expiration of this or any other period of time. In Lear’s opinion, customer should not invest more than twenty percent (20%) of customer’s available investment funds in precious metals. Moreover, precious metals do not yield income and thus are not an appropriate investment vehicle for investors seeking current or future income. The success of an investment in precious metals is dependent, in part, upon extrinsic economic forces including but not limited to supply, demand, international monetary conditions, and inflation or the expectation of inflation. The impact of these forces on the values of precious metals in general or any particular precious metal cannot be predicted. Customer acknowledges that the precious metals market can be volatile and that precious metal prices may rise or fall over time. Customer further acknowledges that past performance is no guarantee of future performance. Any written or oral statements by Lear, its officers, agents, sales representatives, or other representatives relating to future events or the attributes of certain precious metals are opinions only. Such statements, if any, are not representations of fact. Lear’s sales representatives are commissioned salespersons - i.e., their salary is based, at least in part, on the amount and profit margin of the precious metals they sell. In addition, from time to time, Lear’s sales representatives may receive other compensation tied to sales activity - e.g., sales contests; bonuses tied to the sale of certain denominations/types or grades of precious metals. Lear’s sales representatives are not licensed and their knowledge of precious metals and the precious metals marketplace varies markedly.

Except where the user is asked to input information or values, the price to melt calculator, and all related calculations, use the Coin Dealer Newsletter’s dealer bid price to calculate values and projected values.

The population figures listed were provided by the Certified Coin Exchange. Lear understands that the Exchange bases the numbers listed on NCGC or PCGS graded coins of the type/denomination listed, and that the Exchange updates these figures in January and June of each year.