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T206Collector...at least with T206 (because of their liquidity and relative price stability) is sort of taking a mortgage out on your baseball cards with other collectors.
Scenario:
You want $500 for whatever reason, but you do not want to sell your cards. So you give me your T206 Red Back Cobb in SGC 50 condition and I give you $500. You have until December 1 to purchase the Cobb back from me for $600. If you do not give me the money by December 1, I get to keep (or foreclose on) the card.
Obviously the numbers and dates can all be adjusted, but there have been times I would like to take a loan out against my cards, rather than sell, because I want the money for other baseball cards.