Category Archive: Cash

Silver Coins – List Of U.S. Coins Containing Silver

Silver coins are easier to find than you might think.  My son and I recently began collecting coins – and we are finding silver coins. The cool thing is – we are finding these (partially) silver coins while sorting through rolls of commonly used U.S. coins.

We have learned that sorting through rolls of coins is often referred to as coin roll hunting.  Pretty cool.

Once or twice a week, we’ll go to the bank and get a few rolls of coins – some dimes, nickels, and quarters.  If the bank has them, we’ll also get some half-dollars.  We’ll come home and hunt through the rolls for any interesting – or valuable – coins.

By the way – this is a rather inexpensive – and potentially profitable – hobby.  Once we sort through the rolls of coins, we’ll keep any that we think are worth keeping, and re-roll the remaining coins.  These are then exchanged, on our next trip, for more coin rolls.

My son did a little research and discovered that several commonly used – and not super rare – U.S. coins actually contain a decent amount of silver.  (Obviously, there are special coins that are pure silver.  When we say silver coins – we are talking about coins that are partially silver, consisting of silver and some other metal.  These coins, because they contain a precious metal, are often worth more than face value, which is pretty cool.)

Here’s our list of silver coins –

Jefferson Nickels from 1942 – 1945 contain 35% silver.*

*1942 Nickels with no mint mark do not contain silver.

Roosevelt Dimes from 1946 – 1964 contain 90% silver.

Washington Quarters from 1932 – 1964 contain 90% silver.

Kennedy Half-Dollars from 1965 – 1970 contain 40% silver.**

**1964 Kennedy Half-Dollars contain 90%silver.

Kennedy Half-Dollars Silver Coins

Kennedy Half-Dollars

So far, we have managed to find at least one of each of these – except for a Roosevelt silver dime.  We did, however, find a silver dime – from Canada!  Awesome.

There are older coins, much more difficult to find, that also contain silver.  Once in a while, when hunting through a roll of coins, you might stumble upon one of these.  To be sure: A quick internet search will usually reveal a coin’s worth.

Sorting through a roll of coins only takes a few minutes – and finding silver coins is always fun.  We are brand new to the hobby, and being able to find interesting – and valuable – coins, in rolls available through our local bank, makes it pretty easy.

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Additional resource –

Check out this article from the archives: 10 Places To Look When Scrounging For Change

The picture above features some of the silver coins we have found – and two silver coins we received as gifts when we first started collecting.

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What To Do With All That Change

We continue to use the envelope system to manage our cash.  We also have three kids, who get paid for some chores – so we always have change around our house.

My son, in particular, likes to collect coins.  Right now, he’s into sorting pennies and saving a few in his coin collecting books.  Once he goes through a roll of pennies, he’ll keep the ones that he needs for his collection, and put the rest in his piggy bank.  (Which is actually one of these coin-counting banks.)

My kids, like all kids, like to spend their change on gum, candy, and those machines in restaurants.  Recently, we have been encouraging them to save their change, instead.  So, they have quite a bit of change saved up – and with Christmas around the corner – the kids are ready to cash-in and buy presents.

I do not know much about coin collecting, but apparently, pennies that are older than 1982 have a higher amount of copper, and are actually worth MORE than 1 cent.  So, any “old” pennies (including wheat-backs, which kids love to find) are put into a “keep” bucket.

When we are ready cash in our change, we hit the local Coinstar.  We cash in for Amazon gift certificates, so we do not have to pay a fee.  The kids then use the gift certificates to buy presents for grandparents and cousins.

Our local bank will also count the coins – and deposit the money into our account.  Usually, this is what I will do with my change (which I have very little of, now that the kids are into this whole money-saving thing!).

From time to time, we’ll wrap our coins in those little coin wrappers.  If we can’t get to the bank, we’ll print the coin wraps for free using this pdf.  We’ll then use the wrapped coins to save up for a special purpose.  Last year, the kids saved their quarters, for a whole year, and used them when we went on vacation.

Finally, we try to keep some change in our pockets, for when we are shopping.  The kids love to put money in the “big red bucket” for charity.

Side note – We also keep an eye open for “silver” money.  Certain older coins actually contain silver – and are worth more than face value.  At present, we are sorting through half-dollars – and have found over a dozen silver coins!

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Structure And Freedom

Over the years I have learned the true value of creating structure and following a routine.  My wife and I use the following structured systems to control spending, plan for saving, and manage our finances.

Monthly Calendar – Each month we sit down and plan out that month’s events and scheduled activities.  We brainstorm and try to be thorough.  We list doctors visits, school functions, church events, etc.  Out goal is to know where we’ll be and when we’ll be there.  This helps us know two things, vital to all other systems – how we’ll spend our time and where we’ll spend our money.

My wife is old school – and uses a simple spiral-bound day-planner.  I prefer the calendar on my phone, which easily syncs with my computer and email.

photo by – Joe Lanman

Noted next to each event on our calendar, we approximate how much money that event might cost.  If we are taking the kids to one of their ballgames, that needs to be in our budget.  Or, if we’re taking the dog to the vet, that too needs to be in the budget.

Using a calendar to map out our month really helps us see where our money will be going.  If you struggle to create your monthly budget, try building a monthly calendar – filled with spending approximations – first.

Family Budget –  Once we have created our monthly calendar, we fine-tune our monthly budget.  Since we have been doing this for many, many years, our budget remains (relatively) unchanged, from month-to-month.  The calendar helps us make any changes that we might need to make, with increases or decreases in specific categories.

We use a simple zero-based budget for our regular monthly income.  For my business income (writing here at No Credit Needed) I use a budget based on irregular income.  We use the awesome You Need a Budget software to keep things nice and neat.

Meal Planner – This is a new one for us.  We take our monthly calendar, and based on where we’ll be and where our kids will be throughout the month, we create a meal planner for our family.  Basically, we figure out how many of us will be at home, how many of us will be elsewhere, and we plan a month’s worth of meals.  This does two things – First, it allows us to fine tune our grocery budget.  Second, it takes the pressure off of “what’s for dinner”.  We know what we’re going to eat, weeks in advance.  So far, the kids love it and we do, too.

Grocery Price Book –  As odd as it sounds, I actually enjoy shopping for groceries.  A few years ago, I created a printable grocery store price book (click to check it out and download, for free) to keep track of grocery prices at my favorite stores.  The grocery price book helps me stock up on items, when they’re on sale, and also helps when creating our meal planner.  (Do you see how all of these systems help with and connect to each other?)

Cash Management – Once we know what our month is going to look like, and once we’ve created our budget, it’s time to plan for cash spending.  We use cash for daily or weekly purchases, like gas and quick trips to the grocery store.  We use the envelope system (click to view a video that I made, explaining how the system works) to manage our cash.  The calendar helps us plan for each week’s envelopes and each week’s spending.

Bill Payment –  I have managed to schedule all but one of our monthly bills so that they arrive during the first week of each month.  On our monthly calendar, I make a notation of when the bills are expected to arrive.  Using our budget software (again, the awesome You Need a Budget, long-time site sponsor) and online bill pay, I plan for and schedule payments for each of our bills.  We do have one bill which arrives during the third week of each month and it is auto-drafted from our checking account.  In less than fifteen minutes, all of our regular, monthly bills are paid – and I can spend the rest of the month working, relaxing, finding ways to increase income, hanging out with family, but not worrying about paying bills.

Adding structure to our lives has lead to, in an odd twist, more freedom.  We do not spend our time worrying about money or fretting over our finances.  Instead, we have the systems in place, systems which work from a unified structure, to help us stay organized and prepared.

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Can I Rent A Car Without A Credit Card?

Can I rent a car without a credit card?  What if I need to rent an automobile but I want to use a debit card or cash?  I did a bit of research and have linked to various car rental services and their policies.  Information updated December 17, 2014.

This information is provided in summary form and you should conduct your own research before using any of the companies listed.  Information is subject to change at anytime.  (Emphasis added)

From the Hertz FAQs site:

Debit Card Policy-

Q: Can I use my Debit Card or Bank Card to reserve a Hertz car?

A: At most Hertz locations, debit cards (sometimes called check cards) issued under a VISA or Mastercard logo which draw funds directly from the cardholder’s account may be used to qualify for rental. However, prepaid or stored value cards which have a VISA or Mastercard logo are not accepted to qualify for rental. Debit cards must have available funds for the estimated amount of the rental charges plus a reasonable amount to cover any incidental charges in order to secure the rental. Both debit cards and prepaid or stored value cards issued under a VISA or Mastercard logo may be used as a form of payment when you return the vehicle. Please contact your local Hertz Reservations Office if you have a question about whether Hertz will accept a certain card.

Cash Policy-

Q: What can I do if I do not have a credit or debit card in my name?

A: Cash Rentals are accepted with a Cash Deposit ID Card. Applications for a Cash Deposit ID Card are available from your local Hertz Office. Applicant must be 18 years or older and the application process takes approximately 30 days. There is a $15USD nonrefundable processing fee. A Hertz Cash deposit ID Card may be used at a Hertz Location.

From the Enterprise Website

Debit Card Policy-

Debit Cards, Prepaid cards and other forms of payment: Although you may use a debit card, prepaid card, or other form of payment to pay for the final charges on the vehicle, if you reserve a vehicle through this website, you will need to provide a major credit card at the time of the rental to secure the rental transaction. A major credit card is a card that is supported by a pre-determined line of credit, and not a bank account, or a pre-paid balance.

Some Enterprise Rent-A-Car locations may accept debit cards, pre-paid cards, or other forms of payment to secure the rental transaction. To reserve a vehicle without a major credit card, please contact the local office directly.

Please review the following exceptions:

Airport Locations:

When renting in the US: Debit Cards will be accepted with proof of a round trip travel ticket (airline,cruise ship or train) at time of rental.

In Canada, a credit card in the name of the renter must be presented at the time of pickup. Debit/Check cards are not accepted. At the time of return payment, money orders, traveler’s checks, or a major credit card are accepted. Canadian based Debit Cards are not accepted at either the time of rental or at the time of return.

From the Avis FAQs

Debit Card / Cash Policies-

Debit Card Policies

Most U.S. locations accept bank debit cards with the Visa or MasterCard logo as credit identification at the time of rental if you are at least 25 years of age. In most cases, U.S. locations will perform a credit check for debit card renters to determine credit worthiness at the time of rental. The renter must meet Avis’ minimum criteria in order to rent. Currently, at all U.S. and Canada locations, debit cards are not acceptable as credit identification at the time of rental for all makes and models identified in the Avis Signature Series and for certain other premium vehicles. Debit cards are also not acceptable as credit identification at the time of rental at locations in the Metropolitan NY Tri-State area, Hartford, CT, Philadelphia area, Mississippi or Louisiana locations as well as other locations across the country. Canada locations do not accept bank debit cards as a form of credit identification. Debit Cards are acceptable for payment at the completion of your rental.

Also be advised that some Avis locations do not accept debit cards as a form of payment. Upon paying your rental with a Debit Card, Avis will generally request an authorization hold against your account for the estimated charges of the rental but reserves the right in its sole discretion to request extra value based on certain factors as we deem appropriate. Some exceptions may apply. THESE FUNDS WILL NOT BE AVAILABLE FOR YOUR USE. When the rental is over we will process the reversal but the bank may take time to post it back to the account.

If you fail to return the vehicle as agreed, Avis will obtain additional authorizations from your account to cover the rental charges.

Avis is not responsible for any returned checks or over-drafts based on this policy.

This policy applies to both U.S. residents and foreign renters. Positive identification in addition to your driver’s license may be required.

In the United States, debit, cash or check cards can be used at the end of the rental for payment of rental charges. For acceptable credit identification and payment methods in countries outside of the U.S., please search for the specific location’s Terms and Conditions.

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Note: Prepaid debit/gift cards are not acceptable methods of credit identification to pick up a car at any location. One of the above mentioned cards must be presented. Prepaid debit/gift cards are accepted at time of return only.

From the Budget Website

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Debit Card Policy-

Credit and Debit Card Rules

Generally, at the time of a U.S. rental, we’ll require a credit card hold of total estimated charges plus 25% or $200, whichever is greater. If you’re using a debit card at a location that accepts them, we’ll require a hold of total estimated charges plus 25% or $300, whichever is greater. However, for insurance/service replacement rentals and tour rentals, the minimum debit card authorization hold is $100. At select locations in the Northeast and North Central regions, the minimum authorization hold is $500. Renters under 25 years of age may not use a debit card. Look at the terms and conditions on your reservation confirmations for the deposit required at your specific rental location. Some select locations do not accept debit cards at time of rental to release the vehicle, but do accept debit cards for payment at time of car return.


From the National Website

Debit / Cash Policies –

Q: What methods of payment are accepted for deposits? How can I pay at the end of my rental?

Credit Cards:

The credit card must be presented with available credit, in the renter’s name. The signature must match the name imprinted on the card. In addition, if the renter has an online transaction, the number and name printed on the card presented by renter must match the name and number stored for the online transaction. To change credit card on file update your profile.

Credit Cards honored: American Express®, MasterCard®, VISA®, Discover® Network, and JCB

Canada: The following credit cards are accepted for rentals in Canada: American Express®, MasterCard®, VISA®, and Discover® Network

Puerto Rico:The following credit cards are accepted for rentals in Puerto Rico: American Express, MasterCard, VISA, Diners Club and Discover Network.

Debit Cards:

Debit/check cards are considered to be any non-credit card bearing the VISA, MasterCard or Discover Card logo. Any other non-credit card without the VISA, MasterCard or Discover Card logo is not accepted.

When renting in the US, a credit card in the name of the renter must be presented at the time of rental; otherwise, Debit/Check cards are accepted along with proof of a confirmed round trip travel ticket (airline, cruise ship or train). Without proof of roundtrip ticket, debit or check cards are only accepted as a form of payment at time of return.

Puerto Rico, a credit card in the name of the renter must be presented at the time of rental. Debit/check cards are only accepted for payment at time of return.

In Canada, a credit card in the name of the renter must be presented at the time of rental.

US bank issued Debit/Check cards are accepted as a form of payment at return provided they DO NOT require a Personnel Identification Number (PIN).
Canadian bank issued Debit/Check cards that require the use of a PIN are NOT accepted as a form of payment.

Not all locations accept cash. Cash rentals may be accommodated for economy through full-size vehicles.

Please review the following key points regarding cash rentals:

Renter must meet locations rental requirements including but not limited to:

Verifiable proof of employment
Verifiable home/cell phone and/or utilities in renter’s name
Verifiable return transportation
Deposit in the amount of the calculated rental charges plus an additional amount (up to $500) may be required.
Renters may use cash as form of final payment upon return of the vehicle.
For rentals in Canada, only customers on a pre-paid tour or renting on corporate accounts that have negotiated the option to use cash are allowed to use cash to qualify for a rental.
Gift/Prepaid Card:

Is considered a gift certificate bearing the Visa, MasterCard or American Express logo. National only accepts gift cards for final payment upon return of the rental vehicle. Gift cards are not acceptable as a form of deposit. Gift Cards are not accepted in Latin America or the Caribbean.

Money Orders:

National will accept money orders as a form of payment. They are handled in the same manner as a cash rental.

Virtual Credit Cards:

National does not accept online-only, virtual credit cards or any other type of “single-use” card number security product or one-time use credit card number that may be provided by credit card companies for online use.

National shall not assume responsibility or liability in connection with the use of on-line only, virtual credit cards or any other type of “single-use” card number security product or one-time use credit card number that may be provided by credit card companies for online transactions. National shall have no obligation to honor transactions made with such cards.


Almost every major rental car agency WILL rent a car without a credit card.  Most, however, will place a “hold” on your debit card for the full rental price, plus, in most cases, an added deposit.

When it comes to payment, most will accept a debit card as payment when you return the automobile.  Available options appear to be:

A) Reserve the car with a company that allows you to use a debit card.  If you do this, be sure that you bank account has a sufficient amount to cover the deposit, the hold, and any other charges that you might incur.

B) RESERVE the car using your credit card and PAY for the car rental using cash or your debit card.

While I do not use a credit card to make purchases, I do carry one in my wallet.  If necessary, for the security of my family, I would use the credit card to reserve a car and then pay cash for the rental when I returned the car.

Before renting an automobile, understand a company’s policies.  Do your own research and call ahead if you have questions.  While I was compiling this information, I did not take into account ANY insurance-related policies.

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