您最近檢查了沙發有變化嗎？

如今，沒有多少人在使用硬幣，唐納德·特朗普總統命令財政部停止鑄造便士，因為他們的生產成本超過了其價值。

Have you checked your couch for change lately?

您最近檢查了沙發有變化嗎？

Not as many people are using coins these days, and President Donald Trump has ordered the Treasury to stop making pennies because their production cost exceeds their value.

如今，沒有多少人在使用硬幣，唐納德·特朗普總統命令財政部停止賺錢，因為他們的生產成本超過了他們的價值。

Pennies will still be legal tender, but cash prices will soon be rounded up or down to the nearest nickel (which cost even more to produce relative to their value than pennies). There are about 114 billion pennies in circulation, according to the Federal Reserve.

便士仍然是法定招標，但現金價格很快將被舍入或下降到最近的鎳（相對於其價值而言，其成本比便士要多得多）。據美聯儲稱，流通大約有1,140億便士。

Many Americans may never notice the loss.

許多美國人可能永遠不會注意到損失。

American consumers made only 16% of their payments in cash in 2023, according to the Federal Reserve. A 2022 Pew survey found that two-fifths of consumers never use cash at all, and experts say the pandemic kicked cashless payments into high gear.

據美聯儲稱，美國消費者在2023年僅以現金付款的16％。一項2022年的皮尤（Pew）調查發現，五分之二的消費者根本不使用現金，專家說，大流行的無現金付款高檔。

We throw away millions of dollars in coins every year. Certain groups of Americans – lower-income households, and those over 55 – still use plenty of cash, the Fed found, along with people who prefer to shop in person. But many others let coins roll away, get lost in the dryer, or drop them unceremoniously into a coin jar, never to be thought of again.

我們每年扔掉數百萬美元的硬幣。美聯儲發現的某些美國人 - 低收入家庭和55歲以上的家庭仍然使用大量現金，以及喜歡親自購物的人。但是許多其他人讓硬幣滾開，迷失在烘乾機中，或者毫不客氣地將其丟進硬幣罐，再也不會想到。

So, what should we be doing with our piles of change?

那麼，我們應該如何處理大量的變革？

Cash in your coins at Coinstar, Publix or your bank

在您在Coinstar，Publix或您的銀行的硬幣中現金現金

The loose coins lying around your house and between your cushions are still money, and it adds up more than you'd think.

躺在房子周圍和靠墊之間的鬆散硬幣仍然是金錢，它的總和超出了您的想像。

The typical household is sitting on $60 to $90 in lost or neglected coins, enough to fill a couple of pint-size beer mugs or a medium-sized piggy bank, according to the Federal Reserve. Coinstar, those coin-cashing machines in supermarkets and Walmarts, converts $3 billion in coins into spendable cash every year, one coin jar at a time. The average jar yields $58 in buying power.

據美聯儲稱，這個典型的家庭坐落在60至90美元的丟失或被忽視的硬幣上，足以填充幾品脫大小的啤酒杯或一家中型小豬銀行。 Coinstar是那些在超市和沃爾瑪的施工機器，每年將30億美元的硬幣轉換為可支出的現金，一次一個硬幣罐。平均罐子的購買力為58美元。

"People underestimate the value of their jar by about half," said Coinstar CEO Kevin McColly. "It's a wonderfully pleasurable experience. People have this sensation of found money."

Coinstar首席執行官Kevin McColly說：“人們低估了罐子的價值大約一半。” “這是一次非常愉快的經歷。人們對找到的錢有這種感覺。”

Granted, McColly has a vested interest. His company takes a small cut of the coins that consumers deposit, generally up to 12.9% of the total and 99 cents per transaction, according to NerdWallet.

當然，麥考莉有既得利益。 Nerdwallet稱，他的公司採取了一小件硬幣，消費者存入的硬幣通常高達總計的12.9％和每筆交易的99美分。

There are over 20,000 Coinstar locations around the world and you can exchange coins for cash, e-gift cards, tax-deductible charity donations and cryptocurrency. There is no fee if you opt for the e-gift cards, though.

全球有20,000多個Coinstar地點，您可以將硬幣換成現金，電子禮物卡，可抵稅的慈善捐贈和加密貨幣。但是，如果您選擇電子禮物卡，則無需費用。

Some regional stores also take in coins. Publix supermarkets have their own coin sorting machines that provide receipts to exchange for cash at the Customer Service counter. The fee runs about 9-10% of your total and only allows you to exchange for rolls of cash.

一些區域商店也吸收了硬幣。 Publix超市有自己的硬幣分類機器，可提供收據以在客戶服務櫃檯交換現金。費用約為您總數的9-10％，只允許您交換現金。

If you want every bit of your cash value, try your bank.

如果您想要現金價值的每一點，請嘗試您的銀行。

"You can go to your own bank or credit union and not pay any fee," said Kimberly Palmer, personal finance expert at NerdWallet. However, Bankrate points out that some banks may charge a fee, and even the free ones may require you to roll the coins yourself.

Nerdwallet的個人理財專家金伯利·帕爾默（Kimberly Palmer）說：“您可以去自己的銀行或信用合作社，不支付任何費用。”但是，Bankrate指出，有些銀行可能收取費用，即使是自由銀行也可能要求您自己捲起硬幣。

Coins aren't clutter, they're currency

硬幣不是混亂，它們是貨幣

Don't think of your coins as clutter, McColly says. Think of them as recyclables.

麥考莉說，不要將您的硬幣視為混亂。將它們視為可回收物。

"They're metal," he said. "And they have a long and useful life."

他說：“它們是金屬。” “而且他們有漫長而有用的生活。”

And if people gathered up their "idle" coins and recycled them back into the monetary system, we wouldn't have to make as many new ones. The Treasury still mints more than 5 billion coins a year, although the figure is dropping, according to the journal CoinNews.

而且，如果人們收集了他們的“空閒”硬幣並將其回收回到貨幣體系中，那麼我們將不必製造那麼多新的。據Coinnews雜誌報導，儘管這一數字正在下降，但財政部仍然每年造成超過50億個硬幣。

"Those are just natural resources coming out of the Earth," McColly said: Copper-plated zinc for pennies, copper-nickel alloys for nickels, dimes and quarters.

麥考莉說：“這些只是從地球上彈出的自然資源，”銅鍍鋅，銅，銅 - 尼克合金，用於鎳，一角錢和宿舍。

Which countries have gotten rid of pennies?

哪些國家擺脫了便士？

Canada stopped minting pennies and even asked businesses to return them to financial institutions starting in 2012. The coins in circulation are still valid.

加拿大停止了薄荷的便士，甚至要求企業從2012年開始將其返回金融機構。流通硬幣仍然有效。

Great Britain, Australia, Israel, Brazil, Norway, Finland and New Zealand are among nations that have either ceased to produce or have removed low-denomination coins, Reuters reported.

據路透社報導，大不列顛，澳大利亞，以色列，巴西，挪威，芬蘭和新西蘭都是已經停止生產或消除了低陳述硬幣的國家之一。

"We've been much slower than parts of Europe and Asia to adopt mobile payments and contactless credit cards," said Ted Rossman, a senior industry analyst at Bankrate.

Bankrate的高級行業分析師Ted Rossman說：“我們比歐洲和亞洲的部分地區要慢得多，以採用移動付款和非接觸式信用卡。”

How much does it cost to make pennies and nickels?

製作便士和鎳的費用是多少？

The raw material prices of copper, nickel and zinc have risen in recent years, and the Mint has had to make more coins to cover the drop in inventory during the pandemic. The familiar copper-looking coin with Abraham Lincoln's profile on it runs about 3.7 cents to produce as of fiscal year 2024, according to the U.S. Mint

近年來，銅，鎳和鋅的原材料價格上漲，造幣廠不得不製造更多的硬幣來覆蓋大流行期間庫存的下降。根據美國薄荷糖的報導