I look at all my bids with the Shipping cost included. So, if I'm looking to only spend $10 on a card and the shipping and handling is $3.00, I won't bid more than $7.00.
I collect Peyton Manning and Griffey Jr.
My Bucket: http://s444.photobucket.com/albums/qq164/soccerscrub78
My Bucket: http://s444.photobucket.com/albums/qq164/soccerscrub78