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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. €œWe 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 Visa’s 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. €œWe 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?

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In article , says...

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 Visa?s 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 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.

I use cards all the time when I can. I pay them off and use the one
that gives the most cash back. That means carrying around abut 5 cards,
not counting on the store discount/rewards cards.
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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. €œWe 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. €œWe 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. ヽ(γƒ…)γƒŽ

[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.

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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.

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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 .

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In article ,
says...

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


I take it the CC is a credit card. I can see that a CC fee would be
charged as the CC comapanies charge a few percent. My state lets you
pay by CC and the local tax office does too, but they charge for that.
The credit union I have does a direct electronic transfer without a fee
for most of my bills I pay.

The way I understand it, the CC companies made the stores sell it to you
for the same pirce, cash or CC or they would pull your ability to do any
CC with them. I think the Feds made it so the sotres could charge a CC
fee several years ago.

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.

One gas station had the electronic sign that said something like Cash $
2.00 per gallon and $ 2.10 credit.


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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. €œWe 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).

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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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Default No cash accepted



[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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