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<p>[QUOTE=&quot;cladking, post: 19182, member: 68&quot;]This question isn&#039;t as hard to answer as you might think.&nbsp; </p><p><br /></p><p>The average consumer who uses a credit card but makes cash purchases for small amounts is recieving an average of about one gem coin per year.&nbsp; This will generally be the current year but can be up to three years old.&nbsp; He will also get about five cents in silver each year and about thirty recent date coins of higher grade or better varieties.&nbsp; There have been no numismatically valuable old coins in circulation since the last of them were removed by collectors in 1959.&nbsp; In fact by 1975 all the old coins had been removed from circulation. Some of these like common wheats and &#039;40&#039;s nickels do come back into circulation from time to time but they have been set aside at least once in the past.&nbsp; A few better dates like the &#039;39-D nickel will also get back into circulation but the average consumer won&#039;t run into such coins.&nbsp; </p><p><br /></p><p>You&#039;ll also get a nice error coin about every five years though with recent quality control improvements this is likely to decrease.&nbsp; </p><p><br /></p><p>While the rarest coins one finds now have no premium there is a premium for many of the modern varieties and errors and this will total perhaps twenty dollars per year or so.&nbsp; </p><p><br /></p><p>Lest anyone think that searching change is pointless though it should be remembered that these coins are being depleted in circulation.&nbsp; Where that may be of no consequence for the older coins since there were mountains of uncs saved when they were issued, what about the moderns?&nbsp; Right now a bag of circulated quarters from 1984 would have about a five hundred dollar premium just on the basis of three or four dates in the bag still in unc.&nbsp; But what about the many &#039;84 type &quot;d&quot;s in the bag and the choice AU 1977&#039;s?&nbsp; Many of these coins no longer exist in circulation and at some point this will be recognized.&nbsp; At some point a bag of quarters from 1984 will have a huge premium, but ironically the very last one was probably destroyed by being spent way back in the late &#039;80&#039;s or early &#039;90&#039;s.[/QUOTE]</p><p><br /></p>

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