Given the opinions on a lot of other topics on the board, the number of 50+ responses doesn't surprise me at all. :)
OT: Typically do you carry cash?
- Thread starter theRU
- Start date
Given the opinions on a lot of other topics on the board, the number of 50+ responses doesn't surprise me at all. :)
CC for everything I can. Love getting cash back.
Wallet for a bit of cash (withdraw $100 at a time and it lasts me a month), CCs, smartlink card, zip card, metro card, drivers license, med insurance, office keycard, and a few spare light rail tickets. If we had one fare payment system for transit, I could reduce my wallet load by half.
Wallet for a bit of cash (withdraw $100 at a time and it lasts me a month), CCs, smartlink card, zip card, metro card, drivers license, med insurance, office keycard, and a few spare light rail tickets. If we had one fare payment system for transit, I could reduce my wallet load by half.
I'll come in from the other side. I own a dollar store, and cannot believe how many people, mostly young, want to charge a 50 cent card, or a 75 cent can of soda. As a small retailer, I have to pay a processing fee as well as a percentage of the sale. I have a $5 minimum, which is as low as I can go. Good thing is, people will buy an extra four items, so they can charge!
I almost always use a card. Especially when buying coffee at western momouth convenience stores. BUT I always have a crisply folded emergency $100 tucked into my card holder...incase I need a stick of gum and they don't take credit
If you were smart you would own a 100 dollar store and have a $500 minimum charge.
Plus us old farts have nothing better to do than stare at a computer screen all night! Oh wait...it's way past my bedtime.
I only carry hundreds in my money clip. anything less i tell the cashier to keep the change. :stuck_out_tongue_winking_eye: I usually carry anywhere from 500 and more if I'm going out. You never know when a poker game will break out.
don't carry and sit on your wallet. it's bad for your back.
don't carry and sit on your wallet. it's bad for your back.
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If you know you're attending an event at which you'll use one or both of those services, you can arrange to have a few bills. Or you can Venmo, Square, PayPal, etc. the kid some money if you're really in a pinch. For everyday life in 2016, which I believe is what the poll was referring to, cash is simply not necessary. I get by just fine carrying $0. CC points all day.
How do you give money to street performer musicians, and give money to needy and the homeless ?
I've never for my life understood putting a wallet in your back pocket. It screams "take me" IMHO.
I don't mean to be rude but you have a lot to learn if you are asking these questions and making these comments. Google searches and an investment of one or two hours would be a good use of your time and will give you basic answers to your questions and clear up the misinformation. Stuff I know goes beyond that.
I carry whatever is left over of the last twenty I broke. The only things I pay cash for are things I don't want my wife to know I'm buying. Booze, guns, dirty water dogs, etc.
One day you guys are going to read a news story about an epic fight at the Western Monmouth QuickWa. It's because I cut @ruhudsonfan off while he's counting out his nickels at the counter so I can run my credit card through the scanner & be on my way.
One day you guys are going to read a news story about an epic fight at the Western Monmouth QuickWa. It's because I cut @ruhudsonfan off while he's counting out his nickels at the counter so I can run my credit card through the scanner & be on my way.
These were just 2 specific examples when I'm with people who don't have cash so I end up covering for them.
Plenty of other times when having some cash on you comes in handy including cash only establishments, vending machines, office pool/charities, conevience if you don't have time to wait for them to run your card and emergencies.
Also a real life example from last week when I wish I had $35 cash on me. I'm getting my oil changed and when they were finished with my car the guy asked if I was paying cash or credit. Told him credit and he said the system was down and they were on the phone with the operator trying to get it fixed. Myself and 2 other fellows had to wait 20 mins until they got the system back up to pay with credit.
Also I like to always have cash on me to avoid a possible ATM surcharge fee for those times where I need cash on the spot.
Seems like it's a no brainier to always keep a certain amount of cash on hand then have to try and remember all the times/situations I may need some.
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This. If you pay for gas with card or pay for basically anything else with cash, you are ripping yourself off.
Even in the gas scenario, i always fill up at costco which takes debit or Amex (which i dont have) but as of June 20th Visa! So, i'll eventually switch back to CC.
Just the other day, I paid $1.08 for something at a dollar store with my CC.
Is it the same price regardless of if you use cash or card at Costco? I guess I should amend my previous post to say that I always use whichever is more financially lucrative. If I'm at a gas station and cash is ten cents cheaper per gallon than card, then I pay cash. If they are the same price, I pay with my card to get the cash back.
That's for cops. Says it right on top. Which also takes cash only.What's a pay phone?
Is that one of those things found in here?
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You're telling me!..... The other night the wife and I left a restaurant, walked up the street, and we witnessed a poker game breaking out ..... Luckily we were able to cross the road and avoid it.
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There have been a lot of people who claimed they were at the Garden State Bowl on this board. A teenager at that game is 50+ today. At the time I wrote this, there were 79 who are 50+ and 82 are 30-49. It seems about right to me.
Better chance of me needing cash for blow and hookers than homeless people.
I've found it is far quicker to get my coffee at Dunkin using my CC than paying cash. Unless you are giving them exact change, it takes longer than them swipping a card thru the machine and sending me on my way. There was a period of time, well over 10 years ago, that it was irritating when someone used a CC for a small purchase because it took longer. But those days are gone. The chip readers do take longer but my Dunkin still just swipes.
I'm 29 and pay for almost everything with my debit card. I'll take out $100 every month or two and use it on the occasional smaller purchases, splitting the check at group lunches/dinners, tipping, etc. I used to work in a pharmacy and I remember the one thing I hated was when it was busy and customers would pay by check.. so slow.
Chip technology isn't deployed fully. They won't be fully effective until the magnetic stripe is removed from cards and all readers require pin. This is a transitional period where they are still vulnerable to theft. I do believe that things like Apple Pay are the future. These use session codes that change each time you use them. So even if they are stolen the number changes each time. The fact they require biometrics or password make them even more secure. Even a lost phone is useless.
I'm guessing this is why you started the 'how old are you thread' to eliminate any of the confusion.
I kind of wonder if an internet message board as a means of communication is just going to naturally skew older because it might be somewhat outdated among the younger set. Will they spend more time on a facebook/twitter/snapchat/instagram as opposed to an internet message board and how many would be interested in longer debates about any of the topics you see here?
I always carry some cash for random reasons like explained above, (food cart, quick beer in a bar, pack of gum, etc.) but with 2% cash back on credit cards, why wouldn't everyone take advantage of buying things for 98% of their actual price? I just moved into a new house, and knew I had a ton of furniture, rugs, blinds, and other big purchases to make, so I opened a brand new cash back credit card, so I can buy all of that stuff and at least get some money back.
I give you permission to be rude. Please go ahead and tell me what I'm missing. Tell me how companies which we literally click a button to allow access to our devices which log every website visited, item purchased, "liked" item, etc and then use that information we've given them to direct us to other sites, recommend items we should buy, remind us when we need to buy more of them, and on and on...how that is so much better than what Visa has on me? You click "enable" on your phone GPS which allows whoever in the world to track your location, tell you which stores are nearby you for you to shop at, remind you to "check in" to a restaurant so everyone else knows you're there. But the credit card company is the problem?
Visa has my SSN. So do a few banks, my brokerage/retirement account companies, my current and former employers (one of them a government agency where employee info was hacked), plus the IRS (probably the most widespread identify theft target).
If you're trying to say that anyone who has had their credit card stolen is a victim of identity theft, sure go ahead. It's not what most people equate to identity theft. People who steal CCs (physical or info) tend to be in a rush to buy as much as they can before the missing card/fraudulent charges get reported and the fun stops. If my Visa gets stolen and $2K in charges get past the fraud monitoring, I still don't pay a cent and I wait a few days for a replacement card. I spend an hour updating my autopay accounts.
Most people when they hear "identity theft" think of the much more severe, and much lengthier restitution process, of when someone gets access to your SSN and starts opening accounts under your name which you never know about. CCs, cars, mortgages. That's the type of stuff that can make your life hell and be a terrible surprise when collections come or you apply for your own mortgage. Having a CC stolen doesn't move the needle in that regard.
But please tell me what I'm so off on.
Pretty much this. Usually in NJ, the cash price is cheaper - though not always, depending on the gas station you're at. Unfortunately, the nearest Costco gas station is in no way convenient for me, and when I do happen to pass it the lines are extraordinarily long. Prefer to use the credit card for gas... but not when it's costing me ten cents more per gallon.
