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The banks want to rule the world and take a little piece from all of
us.. i use debit and credit cards at times, but I prefer to use cans for most purchases, especially under about $100. I see no reason a bank should get a cut of the deal. http://www.slate.com/blogs/moneybox/...h_rely_on.html There is something knowing about the title of Visas latest initiative, the Visa Challenge, in which the payment company will offer 50 restaurants, cafes, and food trucks $10,000 each to eliminate cash payments. We are declaring war on cash, a Visa spokesman told the Associated Press. |
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On Sun, 16 Jul 2017 11:24:47 -0400, Ed Pawlowski wrote:
The banks want to rule the world and take a little piece from all of us.. i use debit and credit cards at times, but I prefer to use cans for most purchases, especially under about $100. I see no reason a bank should get a cut of the deal. Did you mean to write "use cash"? Not picking on a typo, but I just want to make sure. http://www.slate.com/blogs/moneybox/...h_rely_on.html There is something knowing about the title of Visas latest initiative, the Visa Challenge, in which the payment company will offer 50 restaurants, cafes, and food trucks $10,000 each to eliminate cash payments. We are declaring war on cash, a Visa spokesman told the Associated Press. I saw that story, I haven't looked into it, but the whole concept of "legal tender for all debts public and private" might seem to be in conflict with this plan. |
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On 7/16/2017 10:24 AM, Ed Pawlowski wrote:
The banks want to rule the world and take a little piece from all of us.. i use debit and credit cards at times, but I prefer to use cans for most purchases, especially under about $100. I see no reason a bank should get a cut of the deal. http://www.slate.com/blogs/moneybox/...h_rely_on.html There is something knowing about the title of Visas latest initiative, the Visa Challenge, in which the payment company will offer 50 restaurants, cafes, and food trucks $10,000 each to eliminate cash payments. We are declaring war on cash, a Visa spokesman told the Associated Press. Such businesses will probably lose more than $10K in cash business, so, the initial payout of $10K might be attractive, but what happens when those businesses revert back to cash businesses when they start losing money? -- Maggie |
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On 07/16/2017 09:24 AM, Ed Pawlowski wrote:
There is something knowing about the title of Visas latest initiative, the Visa Challenge, in which the payment company will offer 50 restaurants, cafes, and food trucks $10,000 each to eliminate cash payments. We are declaring war on cash, a Visa spokesman told the Associated Press. Wonderful. I've noticed in the supermarket checkout line that the new chipped credit cards take even longer to validate than previously. The only thing worse than standing there while someone fumbles with a card to buy a $5 sandwich is when the charge is declined. Things go much faster with a $20 bill. |
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On 2017-07-16, rbowman wrote:
Things go much faster with a $20 bill. I can only see one of those after cashing a "cash-back" check at a sprmkt check-out line. What's worse. Getting robbed after picking up a weeks pay at the "payroll window" or getting clipped for a service fee for using a debit/credit card. Makes no difference. Banks are gonna go with the least "overhead" for them. Why do you think "autonomous" car technology has been so eagerly developed. It's not fer your benefit! It's so corps don't hafta pay drivers (read trucks/taxis/labor//unions/overhead, etc). ;) nb |
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On Sunday, July 16, 2017 at 1:20:01 PM UTC-4, notbob wrote:
What's worse. Getting robbed after picking up a weeks pay at the "payroll window" or getting clipped for a service fee for using a debit/credit card. Picking up a week's pay at the "payroll window"? What is this, 1917? My company doesn't even issue checks anymore; everybody has to have direct deposit. Cindy Hamilton |
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On 7/16/2017 10:49 AM, Cindy Hamilton wrote:
On Sunday, July 16, 2017 at 1:20:01 PM UTC-4, notbob wrote: What's worse. Getting robbed after picking up a weeks pay at the "payroll window" or getting clipped for a service fee for using a debit/credit card. Picking up a week's pay at the "payroll window"? What is this, 1917? My company doesn't even issue checks anymore; everybody has to have direct deposit. Cindy Hamilton In California an employer cannot require an employee to have direct deposit. |
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On Sunday, July 16, 2017 at 2:04:27 PM UTC-4, Taxed and Spent wrote:
On 7/16/2017 10:49 AM, Cindy Hamilton wrote: On Sunday, July 16, 2017 at 1:20:01 PM UTC-4, notbob wrote: What's worse. Getting robbed after picking up a weeks pay at the "payroll window" or getting clipped for a service fee for using a debit/credit card. Picking up a week's pay at the "payroll window"? What is this, 1917? My company doesn't even issue checks anymore; everybody has to have direct deposit. Cindy Hamilton In California an employer cannot require an employee to have direct deposit. I'm so relieved that California protects its citizens in this way. Cindy Hamilton |
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On 7/16/2017 11:10 AM, Cindy Hamilton wrote:
On Sunday, July 16, 2017 at 2:04:27 PM UTC-4, Taxed and Spent wrote: On 7/16/2017 10:49 AM, Cindy Hamilton wrote: On Sunday, July 16, 2017 at 1:20:01 PM UTC-4, notbob wrote: What's worse. Getting robbed after picking up a weeks pay at the "payroll window" or getting clipped for a service fee for using a debit/credit card. Picking up a week's pay at the "payroll window"? What is this, 1917? My company doesn't even issue checks anymore; everybody has to have direct deposit. Cindy Hamilton In California an employer cannot require an employee to have direct deposit. I'm so relieved that California protects its citizens in this way. Cindy Hamilton Yes, I was loosing sleep over this until I found out. |
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On Sunday, July 16, 2017 at 10:24:54 AM UTC-5, Ed Pawlowski wrote:
The banks want to rule the world and take a little piece from all of us.. i use debit and credit cards at times, but I prefer to use cans for most purchases, especially under about $100. I see no reason a bank should get a cut of the deal. http://www.slate.com/blogs/moneybox/...h_rely_on.html There is something knowing about the title of Visas latest initiative, the Visa Challenge, in which the payment company will offer 50 restaurants, cafes, and food trucks $10,000 each to eliminate cash payments. We are declaring war on cash, a Visa spokesman told the Associated Press. There are conspiracy theories about the "War On Cash" being pushed by financial institutions at the behest of governments in order to control the citizenry. Do as you're told or your money will be turned off. Governments can't take the cash in your possession except at gunpoint so it's easier to press a few key on a keyboard to turn off your credit/debit card and seize your bank account. If you go to your bank and withdraw a large enough amount of cash, the bank contacts the government because it makes you suspected of some criminal activity. γ½(γ )γ [8~{} Uncle Cashless Monster |
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On 7/16/2017 11:34 AM, Stormin' Norman wrote:
On Sun, 16 Jul 2017 11:24:47 -0400, Ed Pawlowski wrote: The banks want to rule the world and take a little piece from all of us.. i use debit and credit cards at times, but I prefer to use cans for most purchases, especially under about $100. I see no reason a bank should get a cut of the deal. Did you mean to write "use cash"? Not picking on a typo, but I just want to make sure. Should be cash. Cans are worth 5 cents to redeem though. |
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On 7/16/2017 2:10 PM, Cindy Hamilton wrote:
On Sunday, July 16, 2017 at 2:04:27 PM UTC-4, Taxed and Spent wrote: On 7/16/2017 10:49 AM, Cindy Hamilton wrote: On Sunday, July 16, 2017 at 1:20:01 PM UTC-4, notbob wrote: What's worse. Getting robbed after picking up a weeks pay at the "payroll window" or getting clipped for a service fee for using a debit/credit card. Picking up a week's pay at the "payroll window"? What is this, 1917? My company doesn't even issue checks anymore; everybody has to have direct deposit. Cindy Hamilton In California an employer cannot require an employee to have direct deposit. I'm so relieved that California protects its citizens in this way. Cindy Hamilton It is still problematic. There are some low income people that don;t have the ability to manage a checking account with direct deposit. The state says give them a check so not they go to a check cashing place and pay a fee. Some banks will allow you to use a debit card and overdraw with a fee. We had a guy at work that fell into that trap with his first or second direct deposit pay. he racked up a couple of hundred in charges for a series of small purchases. Fortunately, someone at the bank talked to him and eliminated the frees. |
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On 2017-07-16, Taxed and Spent wrote:
In California an employer cannot require an employee to have direct deposit. I would not work for a company that required direct deposit. -- ----------------------------------------------------------------------------- Roger Blake (Posts from Google Groups killfiled due to excess spam.) NSA sedition and treason -- http://www.DeathToNSAthugs.com Don't talk to cops! -- http://www.DontTalkToCops.com Badges don't grant extra rights -- http://www.CopBlock.org ----------------------------------------------------------------------------- |
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On 7/16/2017 3:27 PM, Roger Blake wrote:
On 2017-07-16, Taxed and Spent wrote: In California an employer cannot require an employee to have direct deposit. I would not work for a company that required direct deposit. So I guess you won't be getting Social Security either. I've had direct deposit for 35 years. Never missed a pay on time. |
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On 2017-07-16, Ed Pawlowski wrote:
So I guess you won't be getting Social Security either. I have no interest in going on the dole. -- ----------------------------------------------------------------------------- Roger Blake (Posts from Google Groups killfiled due to excess spam.) NSA sedition and treason -- http://www.DeathToNSAthugs.com Don't talk to cops! -- http://www.DontTalkToCops.com Badges don't grant extra rights -- http://www.CopBlock.org ----------------------------------------------------------------------------- |
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On 7/16/2017 12:44 PM, Ed Pawlowski wrote:
On 7/16/2017 3:27 PM, Roger Blake wrote: On 2017-07-16, Taxed and Spent wrote: In California an employer cannot require an employee to have direct deposit. I would not work for a company that required direct deposit. So I guess you won't be getting Social Security either. I've had direct deposit for 35 years. Never missed a pay on time. Back when direct deposit was a new thing, I went to payroll and they asked how much $ I wanted deposited and the rest would be on the payroll check. I said I wanted 100% deposited. They said they couldn't do percentages. Since my paycheck varied, I wrote down that I wanted $10,000.00 per pay period direct deposited. She looked askance, checked the records a couple of times and said "you don't make nearly that much!" So, I asked what would happen. And she said my direct deposit could not exceed my earnings. So I said "yeah, 100%". She was a bit perplexed, said it wouldn't work, and I said I am not changing my instructions. She said "you may not get your paycheck if there is an error." I said "well, let's just find out, shall we?" Worked like a charm. Not sure she ever got it into her head, though. I think back then the concept of somebody directly depositing the entire paycheck meant you were not going to spend any of it, at least any time soon. |
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On 2017-07-16, Ralph Mowery wrote:
I usually pay them by going on line and telling my credit union who, how much and when to pay. So far it has worked well for 10 years. Watch fer changes. Usta be, Century-Link (my phone/broadband company) let ppl pay by CC or e-check, online, for free. They recently changed their policy and now charge for paying by CC. Only e-check payments are now free of charge. If I did not have a routing/acct e-check number, I would hafta pay a fee. 8| nb |
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On 7/16/2017 4:24 PM, Roger Blake wrote:
On 2017-07-16, Ed Pawlowski wrote: So I guess you won't be getting Social Security either. I have no interest in going on the dole. Good, more for the rest of us. I paid into it for 55 years so I'm taking out every penny I can. It will be in my account next Wednesday. |
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On 7/16/2017 3:24 PM, Roger Blake wrote:
On 2017-07-16, Ed Pawlowski wrote: So I guess you won't be getting Social Security either. I have no interest in going on the dole. Since when is getting money that *I* PAID IN being "on the dole" ? Yer an idiot . -- Snag |
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On 7/16/2017 11:24 AM, Ed Pawlowski wrote:
The banks want to rule the world and take a little piece from all of us.. i use debit and credit cards at times, but I prefer to use cans for most purchases, especially under about $100. I see no reason a bank should get a cut of the deal. http://www.slate.com/blogs/moneybox/...h_rely_on.html There is something knowing about the title of Visas latest initiative, the Visa Challenge, in which the payment company will offer 50 restaurants, cafes, and food trucks $10,000 each to eliminate cash payments. We are declaring war on cash, a Visa spokesman told the Associated Press. We never use a credit card when we go out to eat. When we pay we do not want to see our credit card disappear for a few minutes as that is how a lot of credit card info is stolen by unscrupulous waitresses. I'll normally use a credit card for transactions above $20 but make exception and try to use cash only at local hardware store that always gives me the 5% senior discount. They make some of it back in not having to pay the credit card company for me using it there. |
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On 7/16/2017 1:30 PM, Taxed and Spent wrote:
On 7/16/2017 11:10 AM, Cindy Hamilton wrote: On Sunday, July 16, 2017 at 2:04:27 PM UTC-4, Taxed and Spent wrote: On 7/16/2017 10:49 AM, Cindy Hamilton wrote: On Sunday, July 16, 2017 at 1:20:01 PM UTC-4, notbob wrote: What's worse. Getting robbed after picking up a weeks pay at the "payroll window" or getting clipped for a service fee for using a debit/credit card. Picking up a week's pay at the "payroll window"? What is this, 1917? My company doesn't even issue checks anymore; everybody has to have direct deposit. Cindy Hamilton In California an employer cannot require an employee to have direct deposit. I'm so relieved that California protects its citizens in this way. Cindy Hamilton Yes, I was loosing sleep over this until I found out. Yep, California takes their paychecks and then doles out an allowance after they take their cut and **** it away. g "notbob"? If I may ask a question to which I would seriously like to know the real answer: What job issues cash at a payroll window on a weekly basis? (other than maybe a landscaping crew or pickup laborers found milling about Home Depot at 7:30AM) |
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On 7/16/2017 3:06 PM, Ed Pawlowski wrote:
On 7/16/2017 11:34 AM, Stormin' Norman wrote: On Sun, 16 Jul 2017 11:24:47 -0400, Ed Pawlowski wrote: The banks want to rule the world and take a little piece from all of us.. i use debit and credit cards at times, but I prefer to use cans for most purchases, especially under about $100. I see no reason a bank should get a cut of the deal. Did you mean to write "use cash"? Not picking on a typo, but I just want to make sure. Should be cash. Cans are worth 5 cents to redeem though. I blame spell check. They let stuff go if spelled correctly even if sentence does not make sense. Used to get a 5 cent return on bottles here in DE but now we throw away the bottles and the state still charges the deposit but they keep it to help pay for recycling at the dump. |
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On 7/16/2017 6:02 PM, Ralph Mowery wrote:
When I am buying something, I ask how much it is for cash and not a CC. If they say it is the same, I use the CC as I get a percentage back. If they want more, I decide if I get back more on the CC or a bigger discount. Works with small local stores. Not so much at WalMart. One gas station had the electronic sign that said something like Cash $ 2.00 per gallon and $ 2.10 credit. Typical difference here in CT is 6 cents. |
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On 07/16/2017 4:44 PM, Terry Coombs wrote:
.... Since when is getting money that *I* PAID IN being "on the dole" ?... 'Cepting it's not an actuarially sound program; the larger number by far collect more than they paid in plus what typical earnings would've been... -- |
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On 7/16/2017 8:27 PM, dpb wrote:
On 07/16/2017 4:44 PM, Terry Coombs wrote: ... Since when is getting money that *I* PAID IN being "on the dole" ?... 'Cepting it's not an actuarially sound program; the larger number by far collect more than they paid in plus what typical earnings would've been... -- That may be true for the SS disability fraudsters but not for most workers. If you log in to the SS site, you can see your yearly contributions since you started slavery. Take those yearly contributions and plug them in to any good investment calculator with a modest rate of return and you can see the lump of money you'd have today. There's no way I'll ever get all of mine back. The problem is that the democrats have been using the Social Security funds to fund lazy people. |
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On 07/16/2017 11:19 AM, notbob wrote:
What's worse. Getting robbed after picking up a weeks pay at the "payroll window" or getting clipped for a service fee for using a debit/credit card. Which third world country do you live in? I've never been paid in cash but then I've only been working for the last 50 years or so. I do remember the days when you could walk into a bar and a guy sitting at a table in the back would cash your paycheck. Robbing that operation would have been a major mistake. Now I get paid by direct deposit and hit the ATM every now and then for a couple hundred bucks of walking around money. The ATM is from my bank so no fee. About the only thing I use plastic for is gasoline and CostCo runs. Oh, and REI purchases since my membership number is on the credit card so if I dig it out I might as well use it. |
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On 7/16/2017 11:48 PM, rbowman wrote:
On 07/16/2017 11:19 AM, notbob wrote: What's worse. Getting robbed after picking up a weeks pay at the "payroll window" or getting clipped for a service fee for using a debit/credit card. Which third world country do you live in? I've never been paid in cash but then I've only been working for the last 50 years or so. I do remember the days when you could walk into a bar and a guy sitting at a table in the back would cash your paycheck. Robbing that operation would have been a major mistake. Last year one of the big restaurant chains was paying people on a debit card. I don't recall the details but they could incur fees. OK, I found this http://gothamist.com/2015/05/29/debi...ayroll_law.php Attorney General Schneiderman proposed the Payroll Card Act last year, when he looked into the matter, and found that many payroll card programs charge fees for all ATM withdrawals and point-of-sale transactions. 75% of the employees at 38 local and national companies that contributed data to Schneiderman's study, including Wal-Mart, McDonald's, and Walgreens, were charged fees while attempting to access their wages. |
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On 07/17/2017 06:37 AM, Ed Pawlowski wrote:
OK, I found this http://gothamist.com/2015/05/29/debi...ayroll_law.php Attorney General Schneiderman proposed the Payroll Card Act last year, when he looked into the matter, and found that many payroll card programs charge fees for all ATM withdrawals and point-of-sale transactions. 75% of the employees at 38 local and national companies that contributed data to Schneiderman's study, including Wal-Mart, McDonald's, and Walgreens, were charged fees while attempting to access their wages. Yet another reason to avoid businesses that make Simon LeGree look like Mother Theresa. The people who haven't figured out how to open a checking account don't help either. When my employer figured out how to do direct deposit after about 20 years most people were happy. I do miss walking two blocks to the bank to deposit my check though -- Winter was kinda cute. I never did get up the courage to ask why her parents named her Winter or if she had a sister called Summer. |
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On 07/16/2017 11:29 AM, Ralph Mowery wrote:
[snip] I know of some small bussiness that only take cash. No checks or credit cards. Mainly restraints. Some of them do have a bank cash machine in them where you can put in your card and get cash back. That happened when I needed a money order, and the store would only take cash. It seemed strange that they had no objection to my getting cash from the ATM five feet from the counter (that is, I actually used a debit card). -- Mark Lloyd http://notstupid.us/ "I do not need the idea of God to explain the world I live in." [Salman Rushdie, on David Frost show] |
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On 07/16/2017 12:04 PM, rbowman wrote:
[snip] Wonderful. I've noticed in the supermarket checkout line that the new chipped credit cards take even longer to validate than previously. The only thing worse than standing there while someone fumbles with a card to buy a $5 sandwich is when the charge is declined. Things go much faster with a $20 bill. I normally use cash for anything $20 or less. One exception is for a $1.09 root beer float at Sonic. At the time, it was easier than dealing with change. -- Mark Lloyd http://notstupid.us/ "I do not need the idea of God to explain the world I live in." [Salman Rushdie, on David Frost show] |
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On 07/16/2017 12:19 PM, notbob wrote:
[snip] Why do you think "autonomous" car technology has been so eagerly developed. It's not fer your benefit! It's so corps don't hafta pay drivers (read trucks/taxis/labor//unions/overhead, etc). ;) nb Such cars need to communicate. Makes it easier to install tracking so some company can figure out which annoying ads to make you watch. -- Mark Lloyd http://notstupid.us/ "I do not need the idea of God to explain the world I live in." [Salman Rushdie, on David Frost show] |
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On 07/16/2017 05:02 PM, Ralph Mowery wrote:
[snip] One gas station had the electronic sign that said something like Cash $ 2.00 per gallon and $ 2.10 credit. For awhile, gas stations around here would charge extra for credit. Then it became illegal (?). Then the stations offered a discount for paying cash. It took awhile before people figured out it was really the same thing. I usually pay by CC at the pump, because it avoids trouble with the "assumption of guilt" thing ('pay in advance', which requires 2 or more trips in for a fill-up). -- Mark Lloyd http://notstupid.us/ "I do not need the idea of God to explain the world I live in." [Salman Rushdie, on David Frost show] |
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On Mon, 17 Jul 2017 11:17:28 -0500, Mark Lloyd
wrote: On 07/16/2017 11:29 AM, Ralph Mowery wrote: [snip] I know of some small bussiness that only take cash. No checks or credit cards. Mainly restraints. Some of them do have a bank cash machine in them where you can put in your card and get cash back. That happened when I needed a money order, and the store would only take cash. It seemed strange that they had no objection to my getting cash from the ATM five feet from the counter (that is, I actually used a debit card). They do not own that ATM and the bank will be on the hook if there is any fraud. The merchant also will not be paying the swipe or percentage charge on the card transaction. |
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On 07/16/2017 06:11 PM, Frank wrote:
[snip] I blame spell check. They let stuff go if spelled correctly even if sentence does not make sense. I've had problems with that now. Often, the "mutant words" and 'not' and 'now', which can give the sentence opposite meaning. Worse than lose/loose or breath/breathe, some of the cost common errors. Used to get a 5 cent return on bottles here in DE but now we throw away the bottles and the state still charges the deposit but they keep it to help pay for recycling at the dump. Here, they have "curbside recycling" where they take mixed paper, plastic, and metal (no glass). Sometimes I've wondered it it's really just a way to get people to wash most of their trash. -- Mark Lloyd http://notstupid.us/ "I do not need the idea of God to explain the world I live in." [Salman Rushdie, on David Frost show] |
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[snip] I know of some small bussiness that only take cash. No checks or credit cards. Mainly restraints. Some of them do have a bank cash machine in them where you can put in your card and get cash back. That happened when I needed a money order, and the store would only take cash. It seemed strange that they had no objection to my getting cash from the ATM five feet from the counter (that is, I actually used a debit card). .... duh just think about it - how could a business pay the credit card company their cut 4 or 5 per cent and still offer you a money order for nearly no fee .. ? John T. |
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