I roll my own and pay myself the 9%...
I have a piggy bank for quarters only. I have a jar for pennies only, and they get donated to some charity and they can count them, all the nickles and dimes go in the car for parking meters.
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Life is not a journey to the grave with the intention of arriving safely in a pretty and well preserved body, but rather to skid in broadside, thoroughly used up, totally worn out, and loudly proclaiming ...."WOW! What a ride!!!!!"
LUNCH with THEOLDMAN...On a break for now...