^^^I have one of those. It's not very big, but I'm pretty accurate with it most of the time.
Paying cash these days.....
- Thread starter Bob Wright
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GasGuzzler
Hunter
What's annoying about that is there are already likely several processing fees assessed so why can't those pay the transaction fee? Government exists to further itself. Keep raising the fees to pay for more unneeded services that generate jobs and more fees.
And yes, it costs more to process $12K than $1200. In many cases the vendor gets charged a percentage so to pass it on, they charge a percentage to us. That's not my issue. My issue is the bill I am paying in the first place. Without it, there can be no transaction fee.
contender
Ruger Guru
Since this thread has been revived,, I'll offer this simple thought again.
Have a disaster where normal electricity is out for more than a few hours. Need something, and you can't buy it because the store can't process your card or phone.
We had it happen recently with Helene and many people discovered why they need cash in hand.
You keep a fire extinguisher as a protection against fire.
You keep a first aid kit, or heck, even a bandaid for physical injuries.
You keep gas in your car to allow you to go somewhere if someone needs you.
You keep a firearm for self defense protection.
You buy or make ammo for the firearm.
I could continue with many things we do as a hedge against the potential "What if's".
Why not keep cash for the "What if?"
Have a disaster where normal electricity is out for more than a few hours. Need something, and you can't buy it because the store can't process your card or phone.
We had it happen recently with Helene and many people discovered why they need cash in hand.
You keep a fire extinguisher as a protection against fire.
You keep a first aid kit, or heck, even a bandaid for physical injuries.
You keep gas in your car to allow you to go somewhere if someone needs you.
You keep a firearm for self defense protection.
You buy or make ammo for the firearm.
I could continue with many things we do as a hedge against the potential "What if's".
Why not keep cash for the "What if?"
loaded round
Hunter
I save all my change in a jar also. Fortunately, my Credit Union, where I bank, has a change counter that customer's may use. When my jar is full, I lug to the Credit Union, run it through the counter, and deposit it it my savings account. Have bought a few firearms that way. Takes me about a year to fill that quart jar.
I renewed my drivers license this fall and my daughter got her drivers permit.
Far too much time spent at the DMV for my taste but in Texas they prefer credit card. No extra fee.
Far too much time spent at the DMV for my taste but in Texas they prefer credit card. No extra fee.
Yaworski
Buckeye
- Joined
- May 22, 2016
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- 1,744
Yes, there are usually two charges associated with every. I don't recall the names of the fees but the first is charged for every swipe (swipe charge?) whether the transaction goes through or not and even returns, usually something small like 35 cents. Then you pay a percentage 1% to 3%, depending on your volume and other factors, of the purchase.
Source: the guy who owns the business where I work.
I never never pay interest I always completely pay off my card every month. I don't use cash much but I do every Friday it's our go out to dinner nite . We alway pay cash that nite for dinner and tip other than that we use our debt card for most things and large purchases we use the credit so we get the points it works for us
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- Mar 14, 2017
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If you use a credit card, you're being charged for it whether you know it or not. The processing companies/banks charge a fee for processing the card. Somebody uses a credit card at my business I don't even get the money until the next day minimum. Maybe at some point there's somebody in the government getting some of that money, I don't know. But the fees that I'm charged are straight to the bank.
OP
Bob Wright
Hawkeye
One point nobody mentioned was your tithe and offerings to you church. I pay my tithe plus additonal offerings, (Faith Promise, Building Fund, extra needs, etc.) by check in my regular offering envelope. But I pay cash for our Sunday School class fund.
As an usher, I notice many folks put in cash so as to be anonymous. One man's cash is easily attributed to him,,,,,,,he practices origami and his money may be folded into a swan or flying bird!
Bob Wright
As an usher, I notice many folks put in cash so as to be anonymous. One man's cash is easily attributed to him,,,,,,,he practices origami and his money may be folded into a swan or flying bird!
Bob Wright
Ignorant Boomer Tries To Pay With Cash
MILWAUKEE, WI — Recent security camera footage of Martha Holmes shows that the 73-year-old Wisconsin native ignorantly attempted to use cash to pay for her groceries yesterday.
babylonbee.com
Every night I empty my pockets of any change and put it into quart Mason jars. Pennies go in one jar, every thing else in another. I probably have 5 jars of pennies, 15 jars of other. Fifty cent pieces and dollar coins (Ikes and before) go into coin holders and go in my coin safe (I collect coins). Lately, I've been getting, when I can, $2 bills. I keep some in my wallet and will give one (along with the rest of the amount) when I leave a tip. I had one waitress come up to me when I was paying my bill and ask if it was real, she had never seen one. The first time I gave a $2 bill to my granddaughter, she was 14, she asked me if it was real money. I told here yes, and that she should fold it up and keep it in her wallet, that way she would always have money (although nowadays $2 doesn't go real far). She's in college now and told me she keeps that $2 bill and a $20 bill folded up, hidden in her wallet for emergencies.
Like a lot of others here, we have learned our lesson from when we were in the USAF and we have 0 credit card debt, we pay it off every month, use a debit card or use cash.
Just saw it ^^^^^. Said "WTF" and then saw it was babylonbee, read it and laughed.
Like a lot of others here, we have learned our lesson from when we were in the USAF and we have 0 credit card debt, we pay it off every month, use a debit card or use cash.
Just saw it ^^^^^. Said "WTF" and then saw it was babylonbee, read it and laughed.
I try to use cash for small businesses. It can be a challenge since I can only print so many $20s at a time. My plates are old and that rag paper is harder to get every year. I depend on the Chinese and North Koreans but they can be difficult to deal with. Sigh.
One of my local diners is a cash only establishment. More than once I have seen a table full of people without any cash have to send someone to an ATM to get the money to pay the bill. My favorite diner takes both cash and cards but they have a sign stating that there is a 4% fee for using the card.
I always pay cash for most local purchases and try to do as much business as possible with local places to support them.
I always keep cash on hand including $1 & 5 bills for small purchases in an emergency. I hit the ATM on a regular basis to replenish pocket cash adjust my banking statement accordingly. When I was young I started rounding down the deposit amount in my checking account and rounding up the check amount in the register. It's amazing how fast you can save money by doing that.
I always pay cash for most local purchases and try to do as much business as possible with local places to support them.
I always keep cash on hand including $1 & 5 bills for small purchases in an emergency. I hit the ATM on a regular basis to replenish pocket cash adjust my banking statement accordingly. When I was young I started rounding down the deposit amount in my checking account and rounding up the check amount in the register. It's amazing how fast you can save money by doing that.
OP
Bob Wright
Hawkeye
So your deposit shos a deposit for $10.00 and your check amount shows $11.00? Sounds like soner or later you're going to come up short? Must give you some problems when the statement arrives.
Bob Wright
The opposite way Bob. A $511.75 deposit would be $510.00 or even $500.00 in the register. A $78.50 check would be $79.00 or even $80. I do the same for automatic payments. It adds up fast.
GasGuzzler
Hunter
Bob, people don't balance their checkbooks any longer. Well, people here might ... but out in the world, most don't. I do.
I have received end of year tax statements from our church that reflected the anonymous cash we put in the plate. Go figure...
I owe on my house. That's it. I have four kids and five cars. I'm only 50. I am not rich and don't use cards more than any other form. I keep my coins and deposit them in my kids' savings they don't know about (down to only two as the other two got their reward). I save a $100 bill every time I get cash out of the ATM. It adds up.
I have received end of year tax statements from our church that reflected the anonymous cash we put in the plate. Go figure...
I owe on my house. That's it. I have four kids and five cars. I'm only 50. I am not rich and don't use cards more than any other form. I keep my coins and deposit them in my kids' savings they don't know about (down to only two as the other two got their reward). I save a $100 bill every time I get cash out of the ATM. It adds up.
contender
Ruger Guru
Just this evening,, Miss Penny & I went to a small, local family diner for supper. It's a well known place & the food is good. They have a sign on their cash register that says they support local businesses & prefer payment in cash. I didn't bother to read it all, but the next time I'm in there,, I'll take a picture of the sign. Oh, they have a small buffet of food, and the dinner is a flat fee. Buffet, drink, (coffee tea, or water,) and a desert. All inclusive,, (tax & all) is a flat $18.00 per person. They advertise they have the worlds best fried chicken. It's very good too!
This diner is in an older house,, where the rooms have been converted into small dining sections. The room we were in tonight,, had 4 tables. A table for (2), a table for (6) and two tables for (4). Small & cozy for sure.
But they prefer cash. And the tip is extra.
I also know some places that give a discount for using cash. Their menu prices are posted for card users. Pay cash & pay less.
This diner is in an older house,, where the rooms have been converted into small dining sections. The room we were in tonight,, had 4 tables. A table for (2), a table for (6) and two tables for (4). Small & cozy for sure.
But they prefer cash. And the tip is extra.
I also know some places that give a discount for using cash. Their menu prices are posted for card users. Pay cash & pay less.
OP
Bob Wright
Hawkeye
As to coins, years ago I adopted the practice of emptying my pockets of all change each day. I kept the quarters and the rest went to Nita. After her death I still separate the quarters. Dimes and niuckels go in one pot, pennies in another. And once change hits my pocket, Irarely ever use it for a purchase. About once a quarter I roll up my coins ant take them to the back. Usually around 4150.00 or so. Coins do mount up!
Bob Wright
Bob Wright
GasGuzzler
Hunter
Dang Bob ... I don't roll mine. The bank has a sorting machine and they'd much rather use it than take rolls. In fact, if you deposit rolls they will not actually show the deposit until they dismantle the rolls and ... put the coins through the machine anyway to count them and check for plugs. So it's a waste of time here.
Contender, I get them same Italian food for take out every Friday evening and the same Mexican food every week on Saturday evening. I always pay with cash and the attendants like to see me coming because I pay extra for them to make it how I like and bring it out to the car. I give the same 20% as if I were sitting down. I usually get extra food, usually fairly quickly, and almost always correct.
Contender, I get them same Italian food for take out every Friday evening and the same Mexican food every week on Saturday evening. I always pay with cash and the attendants like to see me coming because I pay extra for them to make it how I like and bring it out to the car. I give the same 20% as if I were sitting down. I usually get extra food, usually fairly quickly, and almost always correct.
