Penny Production 的最後一搏：硬幣經銷商和金融專家的看法

便士即將滅絕嗎？硬幣經銷商和金融專家對這種小硬幣的未來進行了權衡，以及您是否應該囤積或丟棄您的藏品。

Penny Production's Last Stand: A Coin Dealer & Financial Expert's Take

Penny Production 的最後一搏：硬幣經銷商和金融專家的看法

With the U.S. Treasury eyeing the penny's end by early 2026, a Texas coin dealer and a financial expert are offering their insights. Should you save those pennies, or is it time to cash them in? Let's dive in.

美國財政部預計 2026 年初硬幣將耗盡，德克薩斯州的一位硬幣經銷商和一位金融專家正在提供他們的見解。你應該把這些錢存起來，還是該把它們兌現？讓我們深入了解一下。

The End of an Era?

一個時代的終結？

The U.S. Department of the Treasury plans to halt penny production to save around $56 million annually. The U.S. Mint spent about 3.7 cents to produce each one-cent coin in 2024, a cost that has some questioning its value. The American penny, dating back to the 1790s, has seen changes over the years, with its composition shifting from copper to mostly zinc after 1982.

美國財政部計劃停止美分硬幣的生產，以每年節省約 5600 萬美元。 2024 年，美國造幣廠生產每枚 1 美分硬幣的成本約為 3.7 美分，這一成本讓一些人質疑其價值。美國便士的歷史可以追溯到 1790 年代，多年來經歷了一些變化，1982 年之後其成分從銅變為主要成分是鋅。

Expert Opinions: To Save or Not to Save?

專家觀點：救還是不救？

Don Shelly, a finance professor at Southern Methodist University, agrees with the Treasury's decision, noting the increasing shift to online transactions. However, Charles E. Jackson, general manager of the Dallas Coin Store, advises holding onto your pennies, especially uncirculated ones.

南衛理公會大學金融學教授唐·謝利（Don Shelly）同意財政部的決定，並指出越來越多的人轉向在線交易。然而，達拉斯硬幣商店總經理查爾斯·傑克遜（Charles E. Jackson）建議保留你的便士，尤其是未流通的便士。

A Coin Dealer's Perspective

硬幣經銷商的視角

Jackson suggests that 2025 pennies could be valuable for future generations if kept in their original rolls. While circulated pennies might not fetch a high price, he recommends keeping them in hopes that they may become desirable someday. His stance reflects a belief in the potential long-term collectibility of these coins.

傑克遜表示，如果將 2025 年的便士保留在原來的捲中，對後代來說可能很有價值。雖然流通的便士可能賣不了高價，但他建議保留它們，希望有一天它們會變得受歡迎。他的立場反映了對這些硬幣潛在的長期收藏價值的信念。

Financial Expert Weighs In

金融專家介入

Shelly points out that melting down pennies is illegal. While cashing them in is an option, don't expect a huge return, especially for zinc or even older copper pennies. The value, if any, would likely come from a government buyback program.

雪莉指出，熔化便士是違法的。雖然兌現是一種選擇，但不要指望獲得巨大回報，尤其是對於鋅甚至較舊的銅便士而言。其價值（如果有的話）可能來自政府回購計劃。

The XRP Factor: A Wildcard in the Financial World

XRP 因素：金融世界的通配符

While we're talking finance, it's worth mentioning the buzz around XRP. Financial commentator Coach JV calls it the "greatest asset of our lifetime," emphasizing its potential in transforming financial infrastructure. Despite past SEC lawsuits, XRP has shown resilience, drawing attention from investors and analysts.

當我們談論金融時，值得一提的是有關 XRP 的熱議。金融評論員 Coach JV 稱其為“我們一生中最偉大的資產”，強調其在改變金融基礎設施方面的潛力。儘管過去曾遭受 SEC 訴訟，但 XRP 仍表現出韌性，吸引了投資者和分析師的關注。

Final Thoughts

最後的想法

So, should you hoard those pennies? Maybe! Uncirculated 2025 pennies could be a fun heirloom for your grandkids. And who knows, maybe XRP really will revolutionize finance. Either way, keep an eye on the trends and enjoy the ride! It's a penny for your thoughts, but maybe worth a whole lot more down the line.

那麼，你應該囤積這些便士嗎？或許！未流通的 2025 年便士可能會成為您孫輩的有趣傳家寶。誰知道呢，也許 XRP 真的會徹底改變金融業。無論哪種方式，請密切關注趨勢並享受旅程！對於你的想法來說，這只是一分錢，但也許未來的價值會更高。