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.

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.

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.

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.

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]

On Mon, 17 Jul 2017 11:41:54 -0500, Mark Lloyd
wrote:

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.

Recycling is just a make work program for people unqualified to do
anything else. The only thing that actually have a cash value is
aluminum cans in most places. Paper and plastic ends up costing more
to ship than it is worth and the environmental impact is usually worse
too. Glass is really totally useless.
We should be putting aluminum and maybe steel in the recycle, paper
and plastic should be in the burn barrel (for a waste to energy plant)
and everything else should just go to the land fill either before or
after it is burned.

On 7/17/2017 12:41 PM, Mark Lloyd wrote:
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.


Same crap here. Incredibly stupid. Dump was originally recycling at
the dump but could not afford it but now they could with getting tax
they could. This is as it is done in some other places. I hard in
Florida someplace 5 separate containers required. Ever other vehicle on
the road there must be a garbage truck. This is what happens when
politicians give a solution to a technical problem.

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?

--
Maggie

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.

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]

In article , lid says...

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).

The store does not own or have any thing to do with the money you get
out of it. Say your credit card is fake and you buy from the store, the
store may be out of money. If you use the same card on the ATM, it is
the bank that is out of that money and not the store. You might as well
go to an ATM 5 miles away as far as the store is concerned.

On Mon, 17 Jul 2017 12:35:43 -0400, Ralph Mowery
wrote:

In article , lid says...

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).

The store does not own or have any thing to do with the money you get
out of it. Say your credit card is fake and you buy from the store, the
store may be out of money. If you use the same card on the ATM, it is
the bank that is out of that money and not the store. You might as well
go to an ATM 5 miles away as far as the store is concerned.



Actually, there are many privately owned ATMs, especially in places
like convenience stores. Such machines can be extremely profitable
for those that operate them. A local casino has a number of private
ATM's throughout the facility and they charge a $3 fee for each
withdrawal. Considering the electronic transaction fee being paid by
the owner of the machine is only couple of cents (if any), that is a
great profit margin.

They want cash for the money orders because they would have to add the
merchant fees into the fees they are charging for the money order. In
ten states it is still illegal to surcharge the customer for using a
credit card.

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.

[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.

On 7/17/2017 12:17 PM, 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).


Makes sense. Let's say you buy a $100 money order. They charge you $2
for it. You pay with a debit card and they pay a transaction fee of 2
1/2% or $2.50. Not a very good business model. Plus you could reverse
the transaction on your card, etc.

So, you go to the in-store ATM and pay $3 service charge. The store
gets a part of that so now they made $3 from you instead of losing 50
cents.

On 07/17/2017 10:17 AM, 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).


Why would they object? If the ATM dispensed cash on a bogus debit card
that wouldn't be their problem,

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.

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

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

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.

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

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
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Badges don't grant extra rights -- http://www.CopBlock.org
-----------------------------------------------------------------------------

In article ,
says...

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.

Well over 15 maybe 25 years ago the company I worked for went to direct
deposit and issued a piece of paper that told how much had been
deposited, the tax and other deductions.

Later on they quit that and the only way to see was to look it up on a
computer. You could do that from your computer,or any of many at work.

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.

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.

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.

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]

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]

On 07/17/2017 10:20 AM, Mark Lloyd wrote:
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.


That's my stealth savings account. Pay cash, get change, throw the
change into a 3lb cottage cheese tub every night. When the tub is full,
take it to the coin machine at the supermarket. There is no fee if you
get a gift card instead of cash and Amazon is one of the available
cards. You don't actually get a card, just a code you can enter into
your Amazon account. A full tub nets out between two and three hundred.

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(ヅ)ノ

[8~{} Uncle Cashless Monster

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.