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Author: mcancel Big funky green star, 20000 posts Old School Fool Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: of 885543  
Subject: Coinstar rip-off Date: 1/27/2002 9:44 AM
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I was intrigued when I heard about the new Coinstar machines that count your change and give you a voucher that can be redeemed for cash or groceries.

Then I found out that they charge a fee of 8.9% of what you deposit!

Are they nuts?

Thanks, but no thanks.
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Author: InvestorLou55 Big funky green star, 20000 posts Old School Fool Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: 233048 of 885543
Subject: Re: Coinstar rip-off Date: 1/27/2002 10:03 AM
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Just like going to a convenience store to buy groceries, it's convenience and time saving at a cost. It gets down to choices. Everything has a price, including doing nothing.

Lou

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Author: peplow Big gold star, 5000 posts Old School Fool Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: 233052 of 885543
Subject: Re: Coinstar rip-off Date: 1/27/2002 10:20 AM
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Then I found out that they charge a fee of 8.9% of what you deposit!
Are they nuts?.........................................................



Not at all.

But anyone who uses the machine, may very well be :)







Pete
just because someone comes up with a stupid idea, that doesn't mean WE have to play along :)


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Author: Donuttopia Two stars, 250 posts Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: 233058 of 885543
Subject: Re: Coinstar rip-off Date: 1/27/2002 11:16 AM
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It depends, I ran a hundred dollar thru one the other day for nine bucks in about five minutes. I could have bought the rollers, counted, stuffed etc. I could have gone out and bought the little coin funnels, I could have spent $30 and bought a automated counter and the batteries and the rollers. Then I could have slogged on down to the bank to turn them into paper money.

Where I live, the banks won't take bulk change unless it's rolled. The stores require the clerks to count it when you give it to them.

I do it twice a year. Total cost is probably about $20. I could have another gadget around the house and the clutter of the stuff to go with it or spend the $20.

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Author: tconi Big gold star, 5000 posts Old School Fool Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: 233064 of 885543
Subject: Re: Coinstar rip-off Date: 1/27/2002 11:34 AM
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hmm- wishing I had come up with the idea to count other people's money for a nominal fee!

peace & penny wrappers
t

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Author: SamGribley Two stars, 250 posts Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: 233072 of 885543
Subject: Re: Coinstar rip-off Date: 1/27/2002 11:56 AM
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Coinstar machines...charge a fee of 8.9% of what you deposit!

It's like the "Check Cashing" places you see everywhere. People who can't open a back account or don't trust banks have no easy way to get their payroll check cashed or to exchange coins for bills, so they end up paying an exorbitant fee for services we all take for granted.

Those machines also save you the hassle of counting and rolling coins, but most banks provide the same service at a lower fee, if you have an account. Wells Fargo, for example, will sort/count coins for 2% of the total (minimum charge $3). BTW: I've never paid for coin rollers in my life. I just ask the teller for some while making a deposit and they always hand me a couple dozen.

Sam Gribley


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Author: jennlgreen Big gold star, 5000 posts Old School Fool Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: 233073 of 885543
Subject: Re: Coinstar rip-off Date: 1/27/2002 12:05 PM
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BTW: I've never paid for coin rollers in my life. I just ask the teller for some while making a deposit and they always hand me a couple dozen.



I never thought about that. I will have to ask my bank because I buy my penny wrappers at Walmart.

We have those machines in every grocery store in central NC---I had never seen them before moving here but I would never use them. I only wrap pennies (they make your purse soooo heavy!) and I know this probably sounds weird but I actually get some enjoyment from counting the money and knowing I had X dollars I didn't even know about. Kinda like finding a $20 bill in a pocket of a coat.

JLG


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Author: kwheless Big gold star, 5000 posts Old School Fool Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: 233082 of 885543
Subject: Re: Coinstar rip-off Date: 1/27/2002 12:49 PM
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I've used them on occasion. My credit union won't take change. Not rolled, not loose, not at all. They don't like to take any cash at all, but they will reluctantly take bills in certain amounts, but absolutely no coins. Considering the benefits of the credit union, no coins is a small annoyance.

Usually I try to "just spend it" but people here are so impatient, when you start counting out change in the grocery line, people behind you start yelling. I'll admit, I'm a wimp, I hate people yelling at me. So I pull out the quarters and take my small change to the coinstar. Sure, there's a fee, but it means I can get rid of my change and no one yells.

Karen

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Author: LucyFred One star, 50 posts Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: 233094 of 885543
Subject: Re: Coinstar rip-off Date: 1/27/2002 1:54 PM
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Truth to tell, I, too, kinda enjoy rolling up the coins, taking them to the bank, and depositing them into a small account I have opened. I use it for little "extras" that I may want. For example, last summer, I needed a new pair of hiking boots, so I just went to that "coin account" and bought them without batting an eye. It is almost like "found money", but I am judicious about how I spend it. Makes me feel good about spending.


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Author: nparsn Big red star, 1000 posts Old School Fool Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: 233096 of 885543
Subject: Re: Coinstar rip-off Date: 1/27/2002 1:57 PM
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I could have spent $30 and bought a automated counter and the batteries and the rollers. Then I could have slogged on down to the bank to turn them into paper money.

Why do you need to buy an automated counter for $30? Similarly, why do you need to buy rollers? Most banks give them out for free if you ask.

Do it the old fashioned way, and count it out manually. Better yet, have your kids do it for you. It's fun for them. Do it while you are watching television, it won't even feel like work.

Better yet, don't save change to begin with. It's just a mind game. You're just creating more work for yourself. LBYM, stick to your budget, only spend what you have planned on spending, and SPEND your change when you are shopping.

nparsn

not an advocate of slowing down the line and paying for a pack of gum with 26 pennies, but if something costs $1.04, take advantage, and GET RID OF YOUR CHANGE!!! If you keep doing this, you won't have any more left to worry about.

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Author: lessob Big red star, 1000 posts Old School Fool Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: 233097 of 885543
Subject: Re: Coinstar rip-off Date: 1/27/2002 2:02 PM
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It depends, I ran a hundred dollar thru one the other day for nine bucks in about five minutes. I could have bought the rollers, counted, stuffed etc. I could have gone out and bought the little coin funnels, I could have spent $30 and bought a automated counter and the batteries and the rollers. Then I could have slogged on down to the bank to turn them into paper money.

Where I live, the banks won't take bulk change unless it's rolled. The stores require the clerks to count it when you give it to them.


I've never heard of a bank that takes any change unless it's rolled.

For us, it's not a big deal. We get free wrappers anytime we go into the bank (which is rarely, as they have a $2.00 fee for transactions that could be done at an ATM or online, such as deposits, withdrawals, transfers, etc.)

I kind of enjoy wrapping coins. We have a jar where we keep our spare change, and every couple of months, on a Saturday morning, I'll get all the stuff out, count my change up (usually around $20.00), and take it to the bank. I get immense satisfaction out of seeing the teller's face when I hand over my rolls. I get even greater satisfaction out of telling them to waive the $2.00 transaction fee, as this is a transaction I can't do online, over the phone, or through the ATM.

Flustering bank tellers is one of the little pleasures of my life. I'm not giving that up for a stupid "convenience" machine.

-Lessob / Deb

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Author: tconi Big gold star, 5000 posts Old School Fool Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: 233100 of 885543
Subject: Re: Coinstar rip-off Date: 1/27/2002 2:17 PM
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I've never heard of a bank that takes any change unless it's rolled.

When I lived in Colorado, Commercial Federal would take change and count it immediately, and hand a deposit slip (i used to take in a can a week from waiting tables);
now my tiny bank in CT takes loose change, but they won't always do it right away. So i call the next day (to a real teller or the automated line) and check how much there was.

Flustering bank tellers is one of the little pleasures of my life.
I also take pleasure in the look of dread when I walk in with my coffee cans;-)

peace & penny wrappers
t

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Author: aquila66 Big red star, 1000 posts Old School Fool Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: 233129 of 885543
Subject: Re: Coinstar rip-off Date: 1/27/2002 2:52 PM
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Where I live, the banks won't take bulk change unless it's rolled. The stores require the clerks to count it when you give it to them.


My bank, surprisingly a Wells Fargo, will take my change and count it for me after hours and then deposit it in my account. No fuss, no muss, and no rediculous 8.9% charge. yikes.

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Author: GoDucks2001 Big gold star, 5000 posts Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: 233130 of 885543
Subject: Re: Coinstar rip-off Date: 1/27/2002 2:54 PM
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My bank, here in rural South Dakota, will take any and all change, spin it in their litle coin counter, and credit you while you wait. No fee. Of course, around here, nobody would pay a fee if the charged one...they would just change banks.

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Author: 2195501y Big red star, 1000 posts Old School Fool Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: 233169 of 885543
Subject: Re: Coinstar rip-off Date: 1/27/2002 4:30 PM
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Usually I try to "just spend it" but people here are so impatient, when you start counting out change in the grocery line, people behind you start yelling.

Wow! I've NEVER been yelled at when I paid with coins. Coin money is money, after all. It's not like I pay with food stamps.

2195501y

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Author: 1Corinthians410 One star, 50 posts Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: 233196 of 885543
Subject: Re: Coinstar rip-off Date: 1/27/2002 5:31 PM
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I've never heard of a bank that takes any change unless it's rolled.

Wow, never in my life have I had any bank refuse to take loose change in a peanut butter jar. They just dump it in the counter, and while it's counting we talk about the weather, the price of gas or how disapointing the Vikings were this season.

I live in rural Minnesota. Maybe it's the location.

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Author: retireearlyboi Big red star, 1000 posts Old School Fool Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: 233197 of 885543
Subject: Re: Coinstar rip-off Date: 1/27/2002 5:32 PM
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>>> when you start counting out change in the grocery line, people behind >>> you start yelling.

How about this one: The ladies who work the counter at Dunkin Donuts (and other such places). They now have these HUGE "tip cups" set out in front of the register. When they give your hard earned change, they hold it right over their BIG cup, basically trying to make you feel guilty if you take it. I always give them a BIIIIIG smile and put it right in my pocket.

The day I tip for take out donuts is the day ... well you know ...

-reb

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Author: NevoN One star, 50 posts Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: 233222 of 885543
Subject: Re: Coinstar rip-off Date: 1/27/2002 6:25 PM
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I was intrigued when I heard about the new Coinstar machines that count your change and give you a voucher that can be redeemed for cash or groceries.

Then I found out that they charge a fee of 8.9% of what you deposit!

Are they nuts?


Not at all! They're making a killing!

Anyone who USES the machines might be nuts, tho....

OTOH, not having to spend hours counting and rolling coins might be worth the charge to some people.

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Author: wildgirl Big gold star, 5000 posts Top Favorite Fools Old School Fool Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: 233240 of 885543
Subject: Re: Coinstar rip-off Date: 1/27/2002 7:07 PM
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Hey!

I waitress. Now all of a sudden since there was the ONE and ONLY snowfall last weekend EVERYONE in the immediate area of my employ are out in force. It's like Spring Fever where I work! Business has suddenly doubled, or more. I come home at night, count the money, take it back to work and cash it in.

So today I brought back twenty ones from working dinner shift last night. They will always take my dollars back. No one EVER turns down dollar bills. Friday I went to the bank by 6 pm and dropped off Friday's money. I got a 20 dollar bill and I put that in the middle pocket of my 3 pocket apron as not to mix it up with my Sunday tips. Here comes the customers. I had so help me SO much money that my pocket was bulging by the end of the shift. Lots of change too!

I went to see the kid and his dad at kids friend house. I handed the kid a stack of dollar bills and told him I would get him from school on Wednesday, the only day off. Then I gave him a kiss on the top of his head and probably scarred him for life because his friends were there.

I even gave the old man 50 dollars against ALL better judgement. I still could not stuff all the money into the bank ATM. Envelope jammed! So.. to the store with the Coinstar machine and begged the cashier to take today's dollars off my hands. She did. I put the money in a new thin bank envelope and the deposit went through. This is ONE day of money trials.

No one ever wrapped more money than Mom Wild and I. We would sit and sit and sit and me working nights at Denny's and me carrying those Samsonite suitcases under the eyes and that change on the dining room table. It took forever. Mom Wild took the money to her bank then.

My mother in law wants the quarter wrappers so she can put the state quarters away in every individual coin envelope. I am pleased she has that kind of time on her hands. I told MIL Wild about the Coinstar.. she was a bit taken aback by the fees charged.

Other than the SEPTA tokens, the gold dollar coins which are NEAT! and the state quarters for the kids every penny in here goes to Coinstar. I will not have buckets of money lying around. I work tomorrow. More money. I will try to sell the dollars to the bartender.

I bet you I will go visit Coinstar this week. Today was a heavy pocket day. There are worse things.

wild :)
throws that money away for time saved. No more wrapping!

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Author: SarahOnTheGo Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: 233247 of 885543
Subject: Re: Coinstar rip-off Date: 1/27/2002 7:20 PM
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I waited tables when I was a college freshman and saved all of my change in gallon-size buckets. Three months after I started saving my change I took my buckets to a nearby casino (I'm in Iowa at the moment) and cashed them in. I didn't have to count them or roll them and I got cash on the spot. I had enough for cash deposit and three months rent in an apartment one block off campus. And I didn't have to drive 60 miles round trip to school anymore.

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Author: Antqcolctr Two stars, 250 posts Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: 233252 of 885543
Subject: Re: Coinstar rip-off Date: 1/27/2002 7:35 PM
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"Then I found out that they charge a fee of 8.9% of what you deposit!"
____________________________________________

Granted, the percentage they take is on the high side, but for some of us there isn't much alternative if we want to convert our coins into "easier to carry" funds.

The only place I've been able to find that won't charge a fee for counting coins or for accepting home-rolled coins is my credit union. Unfortunately for me, their closest branch is in Arlington, VA.

I'd be interested in learning of any alternatives to Coinstar in the NYC area!

Tammy


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Author: malaoshi Big red star, 1000 posts Old School Fool Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: 233277 of 885543
Subject: Re: Coinstar rip-off Date: 1/27/2002 8:47 PM
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Love Coinstar.
Love the clickety clackety noise.
Love asking any curious/watching kid to help me push the coins in the tray and tip it.
Love the surprise of finding out how much is in my coin can.
Love not having to roll and fit into brown paper thingummies (and forget how many dimes, or nickels I put in)
Love waltzing to the cashier with my little receipt.
Love debating whether to use it on groceries or save it.

I still consider it a cheap thrill!


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Author: payumoff Big red star, 1000 posts Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: 233286 of 885543
Subject: Re: Coinstar rip-off Date: 1/27/2002 9:16 PM
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We just rolled $200 worth of coins last night, $100 of it in quarters from the vending route. Took my husband and I about an hour or less. Coinstar would have taken $17.80 of that money. So I look at it this way, DH and I had a great time laughing and talking while we "made" $8.90 an hour each. :-)


After reading the comments about the banks in larger towns, I'm so glad we live in a small town. We bank 5 miles from where we live. No fee checking, no fee ATM. I can write unlimited checks and get free overdraft protection (although we never use that). The 2 tellers and bank manager know me by name and ask about the kids. And they love to see me coming with my rolls of quarters. Always wanting to know how much I'm making with the gumball machines.





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Author: rizgar One star, 50 posts Old School Fool Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: 233291 of 885543
Subject: Re: Coinstar rip-off Date: 1/27/2002 9:49 PM
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I use it to take care of my charity giving for the year. Everytime I get some change at the grocery store, I throw it in the Coinstar, pick a charity and take my receipt. I deduct the full amount of the donation and don't have to worry about the 8.9%.

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Author: AlaskaBound Two stars, 250 posts Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: 233419 of 885543
Subject: Re: Coinstar rip-off Date: 1/28/2002 11:07 AM
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Another thing I love about my Credit Union: free change counting machine. You toss the change in and it whirs around for a while and it gives you a little receipt. Then you take it up to the bank counter and they deposit it into whatever account you want (or give you cash, I guess...)

You might try calling around to see if a credit union in your town offers the same service.

Alaska

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Author: bigML One star, 50 posts Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: 233420 of 885543
Subject: Re: Coinstar rip-off Date: 1/28/2002 11:08 AM
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I too found this out. Before I was LBYM I didn't care. Now about once a week I use that loose change to by stamps at a machine downstairs.

-bigML

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Author: Jacketfan Big red star, 1000 posts Old School Fool Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: 233453 of 885543
Subject: Re: Coinstar rip-off Date: 1/28/2002 12:10 PM
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Then I found out that they charge a fee of 8.9% of what you deposit!

I have always rolled my own change. Because of that I'm pretty efficient at it and it goes pretty quick.

But...if I had 5 years worth of just pennies saved, I'd drop it in that machine in a heart beat. Not worth it for larger change to me, but again coin rolling might be a tedious task if you aren't somewhat accomplished at it.

- Tom


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Author: LuluB Big gold star, 5000 posts Old School Fool Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: 233519 of 885543
Subject: Re: Coinstar rip-off Date: 1/28/2002 1:45 PM
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Where I live, the banks won't take bulk change unless it's rolled. The stores require the clerks to count it when you give it to them.

PA banks take loose change. I would just dump the change into a counter at the bank and the machine did it for me. I assumed all banks did that.

Louise

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Author: suranyi Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: 233567 of 885543
Subject: Re: Coinstar rip-off Date: 1/28/2002 2:49 PM
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kwheless:

"Usually I try to "just spend it" but people here are so impatient, when you start counting out change in the grocery line, people behind you start yelling."

I always just spend my change, and your message made me think about why I don't have the problem of people yelling at me.

First, many times there simply isn't anyone behind me in line. At the supermarket I guess I sometimes do my shopping at somewhat odd hours. I buy toiletries at the drug store on the way to work -- in the morning there's rarely someone behind me at the cashier.

Second, if there are people behind me, I reach the cashier prepared. If I expect to pay with some change, I have a handful of change in my left hand. It takes only seconds for me to pick out the appropriate coins as soon as the cashier tells me the total.

Third, I spend a lot of my change in vending machines. Again, there's hardly ever anybody waiting behind me. Even pennies can be used in a vending machine at the post office to buy stamps.

Ed Suranyi



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Author: grezek00 Three stars, 500 posts Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: 233585 of 885543
Subject: Re: Coinstar rip-off Date: 1/28/2002 3:09 PM
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hmm- wishing I had come up with the idea to count other people's money for a nominal fee!

There was an old snl parody ad for a bank where all they did was make change.
After describing all the different ways they can make change they say "But some of you are probably wondering? If all we do is make change how do we make money? Volume."

-g

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Author: tconi Big gold star, 5000 posts Old School Fool Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: 233790 of 885543
Subject: Re: Coinstar rip-off Date: 1/28/2002 4:55 PM
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hmm- wishing I had come up with the idea to count other people's money for a nominal fee!

There was an old snl parody ad for a bank where all they did was make change.
After describing all the different ways they can make change they say "But some of you are probably wondering? If all we do is make change how do we make money? Volume."


I have this on a "best of" SNL tape. Always a good laugh.

peace & parodies
t


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Author: d3wong Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: 243175 of 885543
Subject: Re: Coinstar rip-off Date: 2/13/2002 12:11 AM
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I'm glad I came across this message. I've got a small bucket of coins that need rolling and I was thinking about using a Coinstar.

For what it's worth, I think the machines up here in Canada only charge 3%. Haven't confirmed this yet. Something to consider if you're going to be crossing the border.

Dave

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Author: lexie11 Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: 243176 of 885543
Subject: Re: Coinstar rip-off Date: 2/13/2002 12:12 AM
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The must have went up a great deal. I remember when they started, it was supposed to be more like 2-3% I think. In that case, it might be worth it for pennies !

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