“That will be two bits, sir.”  Remember the old movies where the newspaper salesman would say that to a customer fishing in his pockets for a quarter?  As for me, I’ve never liked the way loose coins jingle in my pocket as I walk.  It just seems so silly to carry quarters, nickels, dimes and pennies, given the value they represent is so nominal.  But the annoyance pays off when I happen upon a bell-ringing Santa and his donation bucket.  It feels …