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		<title>Top 5 Morgan Silver Dollars</title>
		<link>http://www.microsreport.com/investment/coin/top-5-morgan-silver-dollars/</link>
		<comments>http://www.microsreport.com/investment/coin/top-5-morgan-silver-dollars/#comments</comments>
		<pubDate>Wed, 18 May 2011 15:00:09 +0000</pubDate>
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		<guid isPermaLink="false">http://www.microsreport.com/?p=1283</guid>
		<description><![CDATA[&#160; morgan silver dollars Because now all waste? Let&#8217;s skip the appetizers and get to the meaty stuff right now: The Morgan silver dollars ready to increase its value over the next few years are 1895, 1892-CC, 1894, 1878-CC and 1883-CC. Pretty bold prediction, eh? At this point, the reader now has three options: (1) [...]]]></description>
			<content:encoded><![CDATA[<p style="text-align: justify;">&nbsp;</p>
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<dt class="wp-caption-dt"><a href="http://www.microsreport.com/wp-content/uploads/2011/05/morgan-silver-dollars.jpg"><img class="size-full wp-image-1284" title="morgan silver dollars" src="http://www.microsreport.com/wp-content/uploads/2011/05/morgan-silver-dollars.jpg" alt="morgan silver dollars Top 5 Morgan Silver Dollars" width="288" height="288" /></a></dt>
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<p style="text-align: justify;">Because now all waste? Let&#8217;s  skip the appetizers and get to the meaty stuff right now: The Morgan  silver dollars ready to increase its value over the next few years are  1895, 1892-CC, 1894, 1878-CC and 1883-CC. Pretty bold prediction, eh? At  this point, the reader now has three options: (1) stop reading and  acting on this information, (2) stop reading and get on with life, or  (3) Continue on, evaluate the analytical approach to identify the &#8220;Top Five&#8221; Morgan U.S. dollars, and then implement a variation of (1) or (2) above. If you&#8217;ve gotten this far, we encourage you to continue with option (3).</p>
<p style="text-align: justify;">First, a bit &#8216;basic information on the Morgan silver dollar &#8230;</p>
<p style="text-align: justify;">The Morgan silver dollar is today one of the most popular of all collector coins. First  coined in 1878 following the passage of the Bland-Alison Act, has been  appointed the new dollar after its designer, George T. Morgan. Political  pressure by powerful silver mining companies, in a move to stabilize  the price of their products at artificially high levels, created the  impetus driving the legislative action. Bland-Alison  led to the overproduction of silver dollars, with millions of these  unused &#8220;cartwheels&#8221; languishing in the vaults of banks and the Treasury.  Indeed, few coins have ever been released in dubious circumstances than Morgan silver dollars. Minting continued until 1904 and then again for another year in 1921, when the series finally came to an end.</p>
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<dt class="wp-caption-dt"><a href="http://www.microsreport.com/wp-content/uploads/2011/05/morgan-silver-dollars-2.jpg"><img class="size-full wp-image-1285" title="morgan silver dollars 2" src="http://www.microsreport.com/wp-content/uploads/2011/05/morgan-silver-dollars-2.jpg" alt="morgan silver dollars 2 Top 5 Morgan Silver Dollars" width="275" height="275" /></a></dt>
<dd class="wp-caption-dd">morgan silver dollars</dd>
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<p style="text-align: justify;">For decades thereafter, Morgan dollars were largely snubbed by hobbyists. Many dates, including those in mint condition state, could be obtained for just $ 1.00. This  situation shifted dramatically in 1962 when the U.S. government began  selling original 1000-US dollar silver coin bags of the Treasury for the  public at face value. Stories of rare finds widespread U.S. dollar, unleashing a veritable Morgan mania. Within  a few months, all but a small fraction of the coins federal property  was transferred from Government to private hands, consequently expanding  the Morgan U.S. dollar collector base far beyond anything seen before.</p>
<p style="text-align: justify;">Since then, Morgan silver dollars have proudly perched atop the catbird seat of the numismatic world. Their physical size, availability, beauty and historical importance have always attracted herds of new buyers. Many  cycles of boom-turned-bust have come and gone, sometimes driven by  speculative motives, but from a long-term perspective, most Morgan  dollar prices have trended somewhat positive.</p>
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<dt class="wp-caption-dt"><a href="http://www.microsreport.com/wp-content/uploads/2011/05/morgan-silver-dollars-3.jpg"><img class="size-full wp-image-1286" title="morgan silver dollars 3" src="http://www.microsreport.com/wp-content/uploads/2011/05/morgan-silver-dollars-3.jpg" alt="morgan silver dollars 3 Top 5 Morgan Silver Dollars" width="500" height="246" /></a></dt>
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<p style="text-align: justify;">Unlike  some controversial promoters in the past, I do not propose purchasing  Morgan silver dollars simply as investment vehicles. However,  for collectors hoping to satisfy their aspirations and acquire  numismatic coins to be worth substantially more in the future, Dollars  Morgan have a few occasions. As noted above, as a whole, Morgans have gained an average value over the years. The key challenge then is to identify as members of this series have enjoyed the best models of growth in the past. The  underlying logic is clear: coins that have demonstrated the strongest  gains over a long period of time the coins are in the best position to  show similar price advancements with the passage of time continues.</p>
<p style="text-align: justify;">In  order to measure past performance and then view Morgans most likely  directed toward a bullish future, I developed a systematic approach. First,  I researched individual Morgan dollar prices to detail as they existed  in 1950, for a wide range of conditions, and entered this data on a  spreadsheet on your computer. Going forward in time, the values ​​of the 1980, 1995 and 2000 were recorded in the same way. Finally, estimated selling prices in 2005 were juxtaposed with counterpart data from previous years. Since  the classification of the terminology has evolved over the period of 55  years, assumptions were made some track progressively price movements  across the spectrum of time (for example, a value &#8220;BU&#8221; in 1950 equivalent to the &#8220;MS-60&#8243; today.)</p>
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<dt class="wp-caption-dt"><a href="http://www.microsreport.com/wp-content/uploads/2011/05/morgan-silver-dollars-4.jpg"><img class="size-full wp-image-1287" title="morgan silver dollars 4" src="http://www.microsreport.com/wp-content/uploads/2011/05/morgan-silver-dollars-4.jpg" alt="morgan silver dollars 4 Top 5 Morgan Silver Dollars" width="396" height="330" /></a></dt>
<dd class="wp-caption-dd">morgan silver dollars</dd>
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<p style="text-align: justify;">For each date and condition, compounded annual return rates for 1950-2005 were calculated. [Editor's note: compounded annual rate of return is the accepted criterion for comparing the results of investments. Of  course, the coins do not grow at a uniform rate guaranteed, such as  bonds do, but if a coin is purchased at a certain price, and that the  price is compared with the value of money at a later date, the annual  compound rate of return can be calculated for the period between]. Rate of return calculations were made 1980-2005, from 1995 to 2005 and from 2000 to 2005. For every dollar Morgan, the data was placed in tabular format.</p>
<p style="text-align: justify;">Then,  I calculated a score of &#8220;composite&#8221; for any date from an average of all  rates of compounded returns calculated for that date. I then ranked all the &#8220;composite&#8221; scores. The Morgan silver dollars with the highest scores are as follows:</p>
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<dt class="wp-caption-dt"><a href="http://www.microsreport.com/wp-content/uploads/2011/05/morgan-silver-dollars-5.jpg"><img class="size-full wp-image-1288" title="morgan silver dollars 5" src="http://www.microsreport.com/wp-content/uploads/2011/05/morgan-silver-dollars-5.jpg" alt="morgan silver dollars 5 Top 5 Morgan Silver Dollars" width="400" height="400" /></a></dt>
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<p style="text-align: justify;">Date: Score:</p>
<p style="text-align: justify;">1895 11.37</p>
<p style="text-align: justify;">1892-CC 10.54</p>
<p style="text-align: justify;">1894 10.43</p>
<p style="text-align: justify;">1878 CC 10.28</p>
<p style="text-align: justify;">1883-CC 10.25</p>
<p style="text-align: justify;">So,  it would seem, based on past performance over a period of 55 years, the  1895 is the Morgan silver dollar with the best hope of appreciating  significantly in the coming years, followed by CC-1892, 1894, 1878 &#8211; CC, and 1883-CC. Not  surprisingly, dollars of the Carson City Mint occupy 13 of the first 16  positions, thanks to persistent collectors scrambling for bona fide  artifacts of the romantic American West. On  the opposite side of the rankings, Morgan silver dollars which dire  long-term prospects include the 1898, 1899-O, O-1884 and 1888, followed  since 1897 to come in dead last with a score of 2.66.</p>
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<dt class="wp-caption-dt"><a href="http://www.microsreport.com/wp-content/uploads/2011/05/morgan-silver-dollars-6.gif"><img class="size-full wp-image-1289" title="morgan silver dollars 6" src="http://www.microsreport.com/wp-content/uploads/2011/05/morgan-silver-dollars-6.gif" alt="morgan silver dollars 6 Top 5 Morgan Silver Dollars" width="300" height="299" /></a></dt>
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<p style="text-align: justify;">The  person whose dual purpose is to acquire Morgan silver dollars with a  bullish future should start looking at the &#8220;Top Five&#8221; above. buying  coins in the best condition you can afford, but be sure that the coins  are clean, no problems, and certified by a classification of reputation.  Be prepared to hold for at least five years. Morgan  dollars have skyrocketed in value over the past three years, and some  reflections may be in order before the next cycle upward.</p>
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<dt class="wp-caption-dt"><a href="http://www.microsreport.com/wp-content/uploads/2011/05/morgan-silver-dollars-7.jpg"><img class="size-full wp-image-1290" title="morgan silver dollars 7" src="http://www.microsreport.com/wp-content/uploads/2011/05/morgan-silver-dollars-7.jpg" alt="morgan silver dollars 7 Top 5 Morgan Silver Dollars" width="507" height="358" /></a></dt>
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<p style="text-align: justify;">If  a polling firm were to survey the population of U.S. coin collectors,  it is very likely that Morgan silver dollars would win the vote as the  most attractive currency in the history of American currency. These beautiful coins have been the heartbeat of the hobby for many years, with no retreat in sight. Ironically,  these same coins spent the better part of a century hidden in the  vaults of the government, unseen, unwanted and unloved. My, how times have changed!</p>
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		<title>Ten Reasons Why Spreadsheets Will Give You Sleepless Nights!</title>
		<link>http://www.microsreport.com/other/ten-reasons-why-spreadsheets-will-give-you-sleepless-nights/</link>
		<comments>http://www.microsreport.com/other/ten-reasons-why-spreadsheets-will-give-you-sleepless-nights/#comments</comments>
		<pubDate>Sat, 11 Jul 2009 20:02:54 +0000</pubDate>
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		<guid isPermaLink="false">http://www.microsreport.com/?p=258</guid>
		<description><![CDATA[Spreadsheets are really great tools &#8211; they are fantastic for capturing data, calculations, scenario planning &#8211; but what they are not is they are not an ERP system! Despite this many business use them as such &#8211; allowing spreadsheets to be the backbone of key processes. Here&#8217;s Ten reasons why you shouldn&#8217;t allow your spreadsheet [...]]]></description>
			<content:encoded><![CDATA[<div id="body" style="text-align: justify;">
<p>Spreadsheets are really great tools &#8211; they are fantastic for capturing data, calculations, scenario planning &#8211; but what they are not is they are not an ERP system! Despite this many business use them as such &#8211; allowing spreadsheets to be the backbone of key processes.</p>
<p>Here&#8217;s Ten reasons why you shouldn&#8217;t allow your spreadsheet applications to dominate your business!</p>
<p>1 &#8211; They are don&#8217;t follow business logic and don&#8217;t know about business processes &#8211; &#8220;what do you mean whenever we receive an order from Company ABC I have to record a reference number, check our stock and validate their account with the Finance dept? &#8211; My list doesn&#8217;t do that!&#8221;.</p>
<p>2 &#8211; They are not integrated &#8211; unless you come up with some whizzy code most spreadsheets are stand alone and focus specifically on the process they are setup to record &#8220;what do you mean you want my list of deliveries that I have in my spreadsheet to go and update my purchase order file and tell finance they can pay the supplier invoice?????</p>
<p>3 &#8211; While Excel has some great validation tools &#8211; most spreadsheets (unless configured to do so) are not built with this enabled &#8211; for example want to enter your date as 1 January 200010 &#8211; fire away!</p>
<p><span id="more-258"></span>4 &#8211; MACRO&#8217;s &#8211; Macro&#8217;s require a level of expertise to build and maintain &#8211; they should always be documented to describe how they work &#8211; what inputs are required and what outputs are generated &#8211; For example &#8211; Joe Bloggs who wrote that fantastic macro to format and process the sales of super-widgets ABC has left the organization and nobody knows how it&#8217;s configured &#8211; and guess what&#8230;business rules have changed and we need to update the macro! Argh! Business process stops and we can&#8217;t get ship product &#8211; the spreadsheet dies and we have to do it manually.</p>
<p>5 &#8211; Its really really REALLY (get the point?) easy to delete or amend data (and in my experience excel files often have a slightly less robust disaster recovery plan than an ERP system.) While this might seem great at the outset &#8211; &#8220;look how easy my order intake file is to edit&#8221;. It can soon become a nightmare!</p>
<p>6 &#8211; They require man hours and effort to keep data aligned to the company ERP. And seriously once the two get out of synch (which they will!) your doomed!</p>
<p>7 &#8211; When used for management information they often give a completely different impression to reports generated from the company ERP.</p>
<p>8 &#8211; Most spreadsheets are not &#8220;shared&#8221; so one spreadsheet can only be used by one user at a time. Instant bottleneck.</p>
<p>9 &#8211; They become personalised and don&#8217;t follow standards &#8211; &#8220;I decided to invent my own numbering system for my x list &#8211; what do you mean I need the PO number to track back to the customer order?&#8221;. Let two people create two separate spreadsheets to do the same task and your guaranteed they&#8217;ll look completely different!</p>
<p>10 &#8211; They do not have the right security! ERP system usually come equipped with security features that allow you access to what your allowed to see and don&#8217;t grant access to what your not! &#8211; If you look at Excel it has some great security and protection features but they are not anywhere near as granular as to those found on an ERP. So you want someone to see your list of Purchase Orders but not the prices? Or you want them to see the prices but not the suppliers?..mmmm. Also spreadsheets are HIGHLY transportable!</p>
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