Supply and Demand!

I think you see the fluctuation because you have more sellers in market than you did even a year ago. Even as short a time ago as a year you had only a few coin dealers, mainly in Florida that controlled the market on modern coins. These dealers held coins back to some degree to create a higher demand - perception was lower quantities of coin available. Don't get me wrong I think these guys are great for the market because they are trend setters for all of us. But today you have more and more people buying from the mint in some quantity, certifying coins, and selling. More people selling, more coins, more supply. Look at what happened to $1 pf70 presidential proofs, when only a small handful of dealers released these coins, in small quantities, prices ranged from $2,000 to $3,900 a set. As more and more small timers began to market these coins prices dropped, now to about $350 a set. My advise for modern coins, especially those which will have large mintages, like the presidential proofs, wait and don't panic, prices will drop as the small time marketers get their products back from NGC. Panic and you'll pay the price!!