Barely Legal Tender.

I found a badly damaged mashed up penny. This penny was scraped up and mangled. Partially folded in half. Much of the copper had been sheared off so the nickle core was visible. Of course I picked it up. 

Had I picked up a piece of garbage or money? Clearly it was a standard penny at one time. I heard that if you have 51% of a damaged bill it is still considered valid currency. 

A business can refuse to take any form of payment but banks can exchange damaged bills for regular bills. They send them to the federal reserve to be taken out of circulation. My theory was this would also apply to damaged coins.   

My plan was to take this damaged penny to my Credit Union and see if they would exchange it for an undamaged penny. If they wouldn't do that then maybe they would deposit 1 cent into my checking account. 

I went to my Credit Union with a check to deposit for a trivia show. Then they would know I was a member which might increase my odds of success. 

I presented my check to the teller along with my ID and debit card. The check was deposited without any complications. Then the clerk looked my in the eye and asked if I had anything else I needed to take care of. I made my move. 

Yes, there is one more thing. I found this penny on the ground. I set the penny on the window so the clerk could inspect it. I would like to exchange this damaged penny for a new penny or possibly deposit it into my account. She blushed with embarrassment. "I'm sorry sir. We cannot accept any currency that won't go through the coin sorting machine" the clerk said worthlessly.

Then I asked if there was anywhere else in town that would accept the coin or exchange it? She did not know. Then she asked me if there had anything else I needed taken care of. This was a very polite way of telling me to stop wasting her time. If only she knew wasting time was my profession.

On the way out I saw they were having a members appreciation day. They put out a table of cookies, pastries and small sodas. I may not have been able to solve my coin conundrum but I did pick up two chocolate chip cookies and a tiny sprite, for free.

I thought maybe the Credit Union wouldn't take it because they were a smaller bank. It's possible that Chase Bank would take it. As a bigger bank, they have more resources. 

Things didn't look good at Chase either. There was a big sign right by the teller talking about the national coin shortage and how it could effect coin transactions. 

The teller basically told me the same thing as my credit union. We cannot accept mutilated or damaged coins. I have no idea where you should take it. Is there anything else I can help you with? Maybe finding your way back to the parking lot?

I laughed, The teller laughed, my girlfriend laughed and said I told you so. Even thought I wasn't able to resolve my coin concern I didn't walk away empty handed. I picked up some free trivia pens from my new unofficial sponsor, Chase Bank. 

After being rejected by both my Credit Union and Chase I decided to see what google had to say about who might be able to help. Apparently if you have damaged bills that the bank will not accept, you can send them into to the US Bureau of engraving and printing. If you have damaged coins, you can send them to the US mint for evaluation and replacement. 

This is a free service provided by the government. Unfortunately they do not pay for shipping. So I, the tax payer, would have to fork out the money for postage and an envelope. Then there is a chance they will decide the coin is not worth anything and they won't send back a new penny or it's equivalent melt down value. It also seems that people don't send single coins unless they are collectors items filled with valuable metal.

There is an application process. The US Mint has the right to refuse any returns for any reason. There is a section on bent coins that states it will accept bent coins if the denomination can be determined from the coin. I think mine meets that requirement. They also said that due to the large volume of submissions there could be considerable wait times.

It would be great to know if I was wasting everyone's time or just my own before I sent out my coin. Luckily, the US mint provided an email address: MutilatedCoin@usmint.treas.gov. 

I sent them an email describing the coin and also the picture above entitled bent penny. 

I figured it would take a few business days before the Mint could return my request. Unfortunately during this time I thought it would be funny to make an Instagram reel of me putting the bent penny into a self checkout at the grocery store. I thought the machine would spit it back out but it never returned the coin. I continued filming for a couple of minutes but nothing happened. I considered asking the person running the machines to retrieve the bent coin but there was a chance I had broken the machine with my impulsiveness. I thought it was wiser to skedaddle.

In the end it might be a good thing to be rid of the bent penny. I would have continued to fool around with it until I had wasted a considerable amount of time. Hopefully the US mint isn't too disappointed that I will not be able to send in the damaged coin even if they do approve it for replacement.  

It's still unknown if the bent coin was worth anything. Next time I see one lying there in the road I'll attempt to resist the temptation to bend over and pull it into my life. There are so many other things I need to waste time on. 

Fees

Everywhere I turn there are more fees. The internet was supposed to make things cheaper. Now it's an excuse to tack on anonymous fees. If you don't like it feel free to call the 24 hour customer service where no one will pick up the phone. 

I went to buy movie tickets for the first time since the pandemic. $12 a person now. I don't like that but fine. I selected 2 tickets for the new Dr. Strange movie. I selected the seats. $24 plus tax. Then I see another line that says $3.50 for a convenience fee. WHAT! No. I'm doing literally all the work and now you want me to pay more. This should be cheaper than buying the tickets in person because you don't have an employee who needs to stand there and touch the computer with their greasy finger to get me my wildly over priced ticket. Go to hell. 

I saw a line under the fee that said if I join the Movie Club I can have the fee waived. So you can make more money off my personal information. GFYS. I already have to sit through an hour of previews which are now just commercials, then actual commercials, then product placement during the movie. The theater isn't making enough money off $9 popcorn? They need to get into the selling my personal information business too?

I walked to the theater and purchased the tickets the old fashioned way. On Foot with cash so they couldn't track my spending for their stupid data mining operation. The clerk asked me if I wanted to join the movie club. I declined. My girlfriend asked I wanted to buy us some popcorn. I declined. We could have stayed home and watched the streaming service from the public library for free but even I know that wont qualify as proper date night. 

The movie ticket incident was still burning me the next day so I decided to declare a Jihad on all fees. My next target was Chase bank. They have begun charging me $12 a month for the privilege of using my checking account. When I signed up for the account it was free. Then one day my account was converted from a free checking account to something called the Chase Freedom Checking Account. No one asked me if I wanted to change accounts. Apparently freedom costs $12 a month.

I called the customer service line and navigated the intricate phone tree. There were no options presented to reach a human. I had to look it up on google and found a site called Get to Human which will walk you thought the fastest way to get to a human. In this case press zero or mash your key pad in a blinding rage.

Once the customer service agent was reluctantly brought to my line, I explained that I do not wish to pay $12 a month for my checking account. I would like to switch to a free account like I have at the credit union. I was informed that all the free checking accounts have been eliminated, but there were options for having the fees waved. 

Option 1 was to carry a balance of $5000. If I had $5000 laying around I would pay back my growing credit card debt. The next option was to have a $1500 average monthly balance. Again, still poor. I have other places my money needs to go like rent, car payment and In & Out Burger. Finally I was told if my employer would direct deposit my checks that would also wave the fee. Good thing I'm self employed and get paid by check. 

She then asked me if I needed anything else. Implying nothing could be done about the situation. A bold maneuver until I told her If you can't remove the fees to close my account. I was told WAIT, WAIT, WAIT, WAIT, WAIT, WAIT, WAIT, WAIT, WAIT, WAIT, hold on a minute, I'll remove the fees for the last 2 months. I was instantly returned $24 dollars of fees. Cementing in my mind that the fees were complete horse shit. At least the movie tickets were paid for. Minus the tax. I will be canceling this account as soon as I pay off my Chase Credit cards. Until them I'll be calling every month to get the fees waived.

When I moved out of my apartment there was a line that said $75 for administration fee. I called to argue and no one picked up the phone. Looks like the administration isn't doing their job so give my back my $75 you dirty jackals. 

All this fee bullshit drives me insane and no one can be bothered. Just the price of doing business? Maybe but I'm still pissed. 

I found a way to make peace with the situation. Every time this happens I get online and write a scathing google review. Sometimes as much as 5 pages or ranting angry nonsense. I know that this will not change anything but it is cathartic. I've currently reviewed every single Chase branch and ATM in town along with all the movie theaters from that chain and my former apartment building 3 times. Try it sometime. It doesn't cost a dime and is certainly much healthier than unloading on some poor customer service agent who couldn't care less anyway. Some of my reviews have received over 5000 views. Businesses have asked my to take them down and I always say I will. For a fee.  

Phone Upgrade?

This whole country is resistant to saving money. Every time I try there are obstacles. Many of which only exist to extract more money or create frustration that will encourage me to pay for future solutions. Companies know that if they add some friction to make it a little bit difficult to save money then people will spend to make the problem go away. 

I am not a typical consumer. I'm not even a typical human. I am willing to expend time and effort to save money. To the point of absurdity. It's a combination of stubbornness and righteous indignation. Often times something could be done cheaper but they aren't which makes me angry. I also have way more time and effort available than money. Often this combination of personality traits leads me into trouble. I do not learn.

I decided it was time to upgrade my phone. My trusty Samsung S7 still works. The issue is that I have been making video comedy sketches for Instagram. The phone overheats quickly while filming. Sometimes the audio gets cut for no reason. I don't mind re-filming scenes or fixing errors when I'm the only person involved. When I invite others I don't want to waste their time with faulty equipment. 

I purchased my S7 on Amazon back in 2019 for $164. New it retailed for $670. So I saved about $500. I used the phone for almost 3 years so I spent the equivalent $4.55 a month. Straight Talk is my phone carrier. I pay $55 a month for unlimited mobile data and also 10 gigs of mobile Hot Spot access. I use my mobile hot spot to get online with my laptop instead of having an internet connection in my apartment. Google keeps emailing me that my apartment is ready to have google fiber installed, I keep telling them I get my entertainment from the Public Library.

After doing research I found the Samsung S10 was at a price point I liked. $240 for a refurbished (used) phone on Amazon v.s. the original retail of $899. This would be a significant upgrade. 128 gig v.s. 32 gig hard drive.  8 gigs v.s. 4 gigs of Ram. The screen is also slightly longer. Most importantly the front and back cameras are much better.

Now I just had to figure out a way to pay for it. Lucky for me I received a $50 Amazon gift card from my mom at Christmas time. I received a $10 amazon gift card from RBCFU Credit Union for being a loyal customer. For my birthday I received another $50 gift card from my mom and a $50 prepaid visa gift card from my girlfriend's niece's mother in law, which I of course converted into $50 Amazon gift card. It only took 4 months but I had accumulated $160 in Amazon credits. 

I then took all the loose change I found by taking walks to the bank and deposited $19.31 into my checking account. I charged the remaining $80 to my credit card with the lowest interest rate. I used the coin money to pay back a portion of this charge right away. I was able to not only receive free shipping but also a free month of Amazon prime which I will cancel in 30 days. The phone arrived in a few days.

I was feeling confident. Cocky even. Everything was going to plan. Pride comes before the fall. 

All I needed now was to take the Sim Card out of my old phone, put it into my new phone and fire it up. I used to work at Verizon so this was something I did multiple times a day. Couldn't be easier. What a fool I was. 

After swapping out the Sim Card I restarted the phone. It was unable to find the mobile carrier network. Multiple attempts later, it was still not working. I would need to log onto my Straight Talk account and input some information to make the swap. No problem. 

It was a huge problem. After combing through pages of account information and searching for advice from the web I attempted to call Straight Talk customer service. After navigating an extensive phone tree designed to break your spirit, I was able to be put in line to speak to a customer service representative. I was number 47 in line and my expected wait time was 2 hours and 10 minutes. Nope, click. It's almost like they don't want to help at all. Almost. 

You'd think the discount carrier would want to retain their customers like any other but they know why you're their customer in the first place. They're the cheapest. Good customer service costs the company money. I was on my own. I worked at a store that sold cell phones and I still couldn't figure it out. I don't know what chance other people would have to get it figured out at this point. 

I was able to contact a "human" through an online chat tech support feature on the website. I explained  I had purchased a new phone and needed to swap out the Sim Cards. They said this was impossible, even though I had done this exact same thing to upgrade my S5 to my S7 through straight talk. The "human" said I would need to buy a new Sim Card. Fine. They were only $0.99. 

I wanted to use my new used phone now. I could order a Sim Card from the Straight Talk website or I could drive to the nearest Walmart and pick one up. They were listed at the same price of $0.99 on Google and I figured I could save on shipping. The price of gas is nearing $4.00 a gallon but it was less than a mile away. 

Most Walmart employees are not exactly knowledgeable about products or helpful in any way. When I arrived in the electronics department a gentleman came right over and walked me to the Straight Talk area. I explained my problem about needing to swap the Sim Cards over, which is slightly technical and he even knew what I was talking about! What kind of magic Walmart had I walked into? 

Unfortunately this Walmart did not sell Sim Cards for $0.99. I could buy a Sim Card that came with an activation plan. Only $55 dollars which would apparently roll into my current plan. I told the gentleman that I was on auto pay. 

Then he asked to see my new phone. I proudly showed him my newly purchased Samsung S10. He complemented me on my shrewd purchase and asked if I had considered switching carriers. He told me I could get AT&T service for $50 dollars a month. This Walmart employee sure seemed to know a lot about phones. That's about the time I got suspicious. 

I looked him over more closely. He had a Samsung lanyard around his neck. He was wearing a black polo and not a blue Walmart polo. He had a nice clean cut appearance with a tasteful watch. This was no Walmart employee, this was a phone salesman working inside a Walmart. 

He then proceeded to tell me I could get a free new phone by switching to AT&T. That I could trade in my old phone and then have two phones. Why in gods name he thinks I would need two phones is beyond me. Oh wait, he needs a commission. He'd sell me 8 phones right not if I let him. 

He started back into his sales pitch for AT&T but I quickly started coughing loudly and walking away as fast as my flip flops would carry me. He began to follow me but I said I was going to order a Sim Card online. 

I arrived home and ordered the $0.99 Sim Card from the Straight Talk website.

I should have looked more carefully because there is no shipping charge. Whoops. They said 3-5 day shipping but then there is a asterisks**. They're having high demand for Sim cards so there could be a delay. 

Best case scenario, a Straight Talk employee saw my order immediately flash across their screen and they jumped up from their computer, ran to the warehouse, scooped up a fresh Sim Card, placed a printed mailing address onto an envelope and rushed off the the post office to get me my $0.99 + $0.08 in sales tax Sim Card as soon as possible. Good thing I had it shipped to my girlfriend's place because my mailbox is still broken.

It's more likely the robots that fill the envelopes have become sentient and are on strike for more humane treatment. If the Sim Card is being shipped from outside the United States I may as well assume it isn't coming.

 In conclusion, I have a new discounted phone that I may or may not be able to use soon. Why doesn't everyone do this? 

What did I learn? Nothing. 

Will I do it again? Yes. 

Is there something wrong with my brain? Yes.