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 minting 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铸造便士，因为他们的生产成本超过了其价值。

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。美联储发现的某些群体 - 低收入家庭，以及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。

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 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％，只允许您兑换现金。

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，而不必支付任何费用。”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。

McColly says not to think of your coins as clutter. 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,” McColly said. “And they have a long and useful life.”

“它们是金属，”麦考莉说。 “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”: Copper-plated zinc for pennies, copper-nickel alloys for nickels, dimes and quarters.

“这些只是从地球上弹出的自然资源”：铜镀锌的便士，用于镍，角色和宿舍的铜烟合金。

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, according to a 2022 report by Reuters.

路透社的一份报告称，英国，澳大利亚，以色列，巴西，挪威，芬兰和新西兰都是未能生产或除去低裁定硬币的国家。

“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。”

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's annual report. To make a nickel, it'll run you about 13.8 cents.

根据美国造币厂的年度报告，熟悉的铜硬币和亚伯拉罕·林肯（Abraham Lincoln）的个人资料在2024财政年度起生产约3.7美分。要制作镍，它将使您大约13.8美分。

Do you own an old penny worth as much as a million dollars? What are wheat pennies worth?

您是否拥有一分钱的旧一分钱？什么是小麦的价值？

Excited online headlines will blare "Lincoln Wheat Penny Worth $124M You Could Have at Home" at you, but don't believe the hype. The reality is most pennies are worth precisely one cent, or possibly a bit more

激动的在线头条将对您震惊的是“林肯小麦的一分钱，您可以在家中拥有1.24亿美元”，但不要相信这种炒作。现实是大多数便士的价值仅一分钱，或者可能更多