1901 British Penny!

Got this at... uh... nevermind. It's a 1901 British penny as it says clearly in the title and not so clearly on the coin. It's got Queen Victoria on the obverse and Britannia on the reverse. If I remeber correctly this coin is worth about $0.20-$0.30 so I find it ridiculous that this coin in the same to lower grades is going for anywhere from $0.76 to almost $40.00 on eBay. Oh and today's background is a card of some sort.