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  #31  
Old 07-27-18, 12:14 PM
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I use the Giant Eagle gift card deals too, and a few times a year they double it to $.20.
I always cash in those fuel perks with 30 gallons. They show the last 12 months of fuelperks savings, which is always around $1100 for me. I figure around $100 is offsets the premium they charge above Costco gas, but still 1,000 bucks a year
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  #32  
Old 07-27-18, 01:23 PM
OhioBobcatFan06 OhioBobcatFan06 is offline
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Quote:
Originally Posted by Auggie View Post
I thought it was the Illuminati as they have a history when it comes to currency>

"The Illuminati have infiltrated the NSA to create bitcoin and advance the globalist agenda." -lotr, probably
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  #33  
Old 07-27-18, 03:27 PM
Username1 Username1 is offline
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Cash will always be exchanged. If they ever stop taxing income then maybe we will see a cashless society.
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  #34  
Old 07-27-18, 03:50 PM
chs1971 chs1971 is offline
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Bought a Cobra Baffler 22 degree Steel Classic #7 at a garage sale today for $2. They would not take plastic or bitcoin, had to pay in cash.
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  #35  
Old 07-27-18, 03:55 PM
arizonawildcat arizonawildcat is offline
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Originally Posted by EagleFan View Post
I go CC rather than Debit because I can delay paying for whatever I am buying for 3-7 weeks.
yes, why use your money when the bank will give you an interest-free loan? IMO, anyone who uses a debit card is an idiot as far as financial intellect is concerned.
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  #36  
Old 07-27-18, 08:13 PM
eastisbest eastisbest is offline
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If we go cashless, what would Ecuador use for currency!


I probably don't hit the ATM 12 times in a year. Almost everything by card or direct.
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  #37  
Old 07-27-18, 10:28 PM
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Almost always use a credit card and pay the balance in full every month. I've never paid interest on a credit card. Just started using Venmo, extremely easy to use and just one more reason to not carry cash. Rarely carry more than $20.
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  #38  
Old 07-28-18, 02:30 PM
D4fan D4fan is offline
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Originally Posted by eastisbest View Post
If we go cashless, what would Ecuador use for currency!


I probably don't hit the ATM 12 times in a year. Almost everything by card or direct.
What's an ATM? See them around but personally have never used one.

I expect us to go cashless sometime, gotta capture taxes missed on garage sales etc.
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  #39  
Old 07-28-18, 02:57 PM
EagleGuy EagleGuy is offline
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Originally Posted by eastisbest View Post
If we go cashless, what would Ecuador use for currency!


I probably don't hit the ATM 12 times in a year. Almost everything by card or direct.
I understand there's a ton of counterfeit $US being used in the Mideast.

One credit card for food and another for everything else. Paid off each month. OPM.

"They" got enough blood outta me when I was unenlightened; now, it's my turn. LOL

And, have never had a debit card! (What???)

Couldn't use an ATM if I wanted to: either I have no pin or my years old BOA pin is long forgotten. [I'd bank on the last one.]
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  #40  
Old 07-28-18, 04:09 PM
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How you get cash? Go into a bank and have to talk to a human? No thanks. Nothing good comes of that
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  #41  
Old 07-28-18, 04:39 PM
arizonawildcat arizonawildcat is offline
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Originally Posted by EagleFan View Post
How you get cash? Go into a bank and have to talk to a human? No thanks. Nothing good comes of that
Years ago, I'm talking about the 1950's, my mother was a teller at a bank near the Westgate Mall. I would go in there and see 4 to 5 tellers at their stations. Now I go into a bank and there's only one teller working. Electronic banking has claimed another profession.
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  #42  
Old 07-28-18, 09:49 PM
eastisbest eastisbest is offline
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Remember travelers' checks?

Coming into a country after banks closed, tired, no food, asked at the hostel, where could I exchange? I had begged some coins for a call and the bus just to get from the airport to the hostel. Desk kid asked if I had an ATM card. I said yes. Never occurred to me I could use it at a foreign bank.

Found the closed bank with the ATM outside. I'll admit, pushing that card in the slot, that was the longest wait wondering what would happen. Then, after figuring out how to switch it to English, it asked me how much I wanted followed by another long nervous wait. When that money AND my card popped out, I felt like the world had taken a step towards the future.

The exchange was pretty good too.

Now about everyone reemburses but then, I had my ETRADE, which reembursed ATM fees. SO much travel stress taken out with ATM and no more travelers checks.
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  #43  
Old 07-28-18, 10:05 PM
Crusaders Crusaders is online now
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Got lost in Rome and couldn’t find an ATM anywhere. That was fun
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  #44  
Old 07-28-18, 11:24 PM
y2h y2h is offline
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Use cash for most purposes. Can't steal my identity from cash.
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  #45  
Old 07-29-18, 08:05 AM
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you've turned down a lot pf perks to gain that protection from identity theft. Perhaps more than enough perks to pay for a LifeLock subscription.
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  #46  
Old 07-29-18, 08:21 AM
D4fan D4fan is offline
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Originally Posted by EagleFan View Post
you've turned down a lot pf perks to gain that protection from identity theft. Perhaps more than enough perks to pay for a LifeLock subscription.
No such thing as a free lunch.

You pay for those perks. Retail prices are approximately 4-5%higher to cover credit card use and incidentals that are involved with them.


But I get your point, if I am going to pay the higher rate anyway, I am going to recapture some of that with my plastic card of choice and get to use my new products for a month before I really have to pay for them, makes me feel like I won even though I know that Chase or Barclays or whoever really wins every time I pull out the plastic.
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  #47  
Old 07-29-18, 09:01 AM
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Don't get me wrong, if there is a way to negotiate for savings by paying cash, that's fine. How many places can you do that, though? The fee is more like 3% paid by merchant or likely less by larger merchants, maybe more by smaller merchants. You can ask for that 3% discount while pulling out your money clip, not sure how that will go.
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  #48  
Old 07-29-18, 12:34 PM
arizonawildcat arizonawildcat is offline
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Out here in Arizona, I've learned a valuable lesson. When I'm quoted a price for anything and told I can pay with a credit card, from getting a new roof to dental work, I'll ask what the price would be if I paid cash. I was quite surprised that I would often get 5-10% off the price if I paid cash. I don't know if this was to avoid the credit card fees or not to have the transaction on the books come tax time. So I then would weigh the benefits I get from using my credit card, usually a 3% rebate and a month long interest-free loan from the bank, versus the actaul saving from paying in cash. In most cases, paying in cash was the better deal.
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  #49  
Old 07-29-18, 01:10 PM
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Interesting. Offering a 10% discount to avoid a 3% fee. Hmmm
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  #50  
Old 07-29-18, 01:18 PM
arizonawildcat arizonawildcat is offline
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Interesting. Offering a 10% discount to avoid a 3% fee. Hmmm
And avoiding income on the books when you're filling out your tax returns.
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  #51  
Old 07-30-18, 03:32 PM
14Red 14Red is offline
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great idea, but like alot of great ideas, reality just doesn't work out. Many people don't like a paper trail of their expenses. Also, frankly, there are just alot of people who simply cannot handle a credit / debit card properly. They simply overspend and are not ever in a "save" mode.
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  #52  
Old 07-31-18, 02:18 PM
Sykotyk Sykotyk is offline
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Two car repair shops near me have switched to cash only. And they've both told me the same reason. That 3% or whatever is not the only charge. The one guy finally sat down and figured out his true percentage most months was about 10%. The processing company is just really great at hiding it since there's terminal purchases, monthly fees, transaction fees, etc. If you don't do enough sales like a convenience store or gas station, it's just not worth it to a shop that does maybe one or two car repairs a day, if that.
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  #53  
Old 07-31-18, 05:52 PM
eastisbest eastisbest is offline
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Originally Posted by Sykotyk View Post
Two car repair shops near me have switched to cash only. And they've both told me the same reason. That 3% or whatever is not the only charge. The one guy finally sat down and figured out his true percentage most months was about 10%.

The other side of that being, more cash on hand and those safety and logistical issues. A car repair goes big bucks. Methheads are going to love the cash only policy.


Damned if you do.....
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  #54  
Old 08-01-18, 08:39 AM
EastYoungstown EastYoungstown is offline
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No... how else will 4Cards run his home business?
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  #55  
Old 08-14-18, 03:08 PM
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Just eliminate accepting personal checks at stores and we'll all be better off.
people still write checks ? cmon tom 48 !??! I have not written a check in oh ,probably 5 years . goink.
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  #56  
Old 08-14-18, 03:08 PM
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Originally Posted by EagleFan View Post
I use the Giant Eagle gift card deals too, and a few times a year they double it to $.20.
I always cash in those fuel perks with 30 gallons. They show the last 12 months of fuelperks savings, which is always around $1100 for me. I figure around $100 is offsets the premium they charge above Costco gas, but still 1,000 bucks a year
sucker you are --Yoda
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