Thanks for the all the comments. I'm trying to take some pics of it and we'll share once I have a decent one. The coin is a1900 FIVE D Liberty Head, and yes, I guess it is ugly. I did not put the coin in the necklace. My late husband's aunt had it made and gave it to him. He passed 17 years ago and so I have had it ever since. No, I'm not old. He was 47. So is it only worth bullion now?
Also, I have alot of old junk silver US coins. I can't afford to have them all graded. Some are probably worth grading though. I don't have any pennies, but do have Franklin's, JFKs, quarters, dimes and nickels. I really don't know what to do with all of them. They were given to me by my grandfather in a tobacco can. He saved all of his change and then split it up and gave it to his grandchildren. I've had them for more than 30 years. I have looked at all of them, they are really cool. If I were to have any of them graded, which ones would be worthwhile?