您最近检查了沙发有变化吗？

如今，没有多少人在使用硬币，唐纳德·特朗普总统命令财政部停止铸造便士，因为他们的生产成本超过了其价值。

Have you checked your couch for change lately?

您最近检查了沙发有变化吗？

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，没有多少人在使用硬币，唐纳德·特朗普总统命令财政部停止赚钱，因为他们的生产成本超过了他们的价值。

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.

便士仍然是法定招标，但现金价格很快将被舍入或下降到最近的镍（相对于其价值而言，其成本比便士要多得多）。据美联储称，流通大约有1,140亿便士。

Many Americans may never notice the loss.

许多美国人可能永远不会注意到损失。

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.

据美联储称，美国消费者在2023年仅以现金付款的16％。一项2022年的皮尤（Pew）调查发现，五分之二的消费者根本不使用现金，专家说，大流行的无现金付款高档。

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.

我们每年扔掉数百万美元的硬币。美联储发现的某些美国人 - 低收入家庭和55岁以上的家庭仍然使用大量现金，以及喜欢亲自购物的人。但是许多其他人让硬币滚开，迷失在烘干机中，或者毫不客气地将其丢进硬币罐，再也不会想到。

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

那么，我们应该如何处理大量的变革？

Cash in your coins at Coinstar, Publix or your bank

在您在Coinstar，Publix或您的银行的硬币中现金现金

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

躺在房子周围和靠垫之间的松散硬币仍然是金钱，它的总和超出了您的想象。

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.

据美联储称，这个典型的家庭坐落在60至90美元的丢失或被忽视的硬币上，足以填充几品脱大小的啤酒杯或一家中型小猪银行。 Coinstar是那些在超市和沃尔玛的施工机器，每年将30亿美元的硬币转换为可支出的现金，一次一个硬币罐。平均罐子的购买力为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首席执行官Kevin McColly说：“人们低估了罐子的价值大约一半。” “这是一次非常愉快的经历。人们对找到的钱有这种感觉。”

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.

当然，麦考莉有既得利益。 Nerdwallet称，他的公司采取了一小件硬币，消费者存入的硬币通常高达总计的12.9％和每笔交易的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多个Coinstar地点，您可以将硬币换成现金，电子礼物卡，可抵税的慈善捐赠和加密货币。但是，如果您选择电子礼物卡，则无需费用。

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.

一些区域商店也吸收了硬币。 Publix超市有自己的硬币分类机器，可提供收据以在客户服务柜台交换现金。费用约为您总数的9-10％，只允许您交换现金。

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

如果您想要现金价值的每一点，请尝试您的银行。

"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的个人理财专家金伯利·帕尔默（Kimberly Palmer）说：“您可以去自己的银行或信用合作社，不支付任何费用。”但是，Bankrate指出，有些银行可能收取费用，即使是自由银行也可能要求您自己卷起硬币。

Coins aren't clutter, they're currency

硬币不是混乱，它们是货币

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

麦考莉说，不要将您的硬币视为混乱。将它们视为可回收物。

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

他说：“它们是金属。” “而且他们有漫长而有用的生活。”

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，如果人们收集了他们的“空闲”硬币并将其回收回到货币体系中，那么我们将不必制造那么多新的。据Coinnews杂志报道，尽管这一数字正在下降，但财政部仍然每年造成超过50亿个硬币。

"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.

麦考莉说：“这些只是从地球上弹出的自然资源，”铜镀锌，铜，铜 - 尼克合金，用于镍，一角钱和宿舍。

Which countries have gotten rid of pennies?

哪些国家摆脱了便士？

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，甚至要求企业从2012年开始将其返回金融机构。流通硬币仍然有效。

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.

据路透社报道，大不列颠，澳大利亚，以色列，巴西，挪威，芬兰和新西兰都是已经停止生产或消除了低陈述硬币的国家之一。

"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的高级行业分析师Ted Rossman说：“我们比欧洲和亚洲的部分地区要慢得多，以采用移动付款和非接触式信用卡。”

How much does it cost to make pennies and nickels?

制作便士和镍的费用是多少？

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

近年来，铜，镍和锌的原材料价格上涨，造币厂不得不制造更多的硬币来覆盖大流行期间库存的下降。根据美国薄荷糖的报道