imaudigger, post: 364754, member: 7286 wrote: I have heard that if you have a bank account tied to the Paypal account, Paypal can close your account and seize the contents of the bank account for 180 days while they close out your paypal account and make sure any customers get refunds from that money.
Sounds like something you want to avoid.
Credit cards sound like the way to go because there is no money to seize.
The only reason I have a bank account attached to my paypal account is to facilitate money transfers from paypal to me. I think there are other ways to do that, just seemed like too much of a hassle for me to get My money....
Many of these small amounts are the processing fee that shops and stores charge for each transaction for using a card.
Attended a basketball tournament recently where those attending had to pay $8 for the privilege. One mother showed up to get her child there in time to go through the drills and warm up but didn't have $8 cash in order to get in. She called her husband to bring her some money at the school. Hope he brought enough that she could buy some snacks for the other kids from the snack bar that was set up.
There is absolutely nothing wrong with having cash on you at all times.
A convenience store that I frequent has a special customer card that you can swipe and accrue points based on your purchases. It's something like half of one percent on general items and one cent per gallon on gasoline purchases. Almost everyone wastes a bunch of time digging out their card, punching in their secret code and then swiping the card as if they are really getting something. The main thing they are doing is providing information to the entire world as to where they go, where they spend their money, why they spend their money and so forth. That's nobody's business. Meanwhile, it takes an extra five minutes to get through the checkout while everyone ahead of you is doing this foolishness.
John, post: 364757, member: 791 wrote: I work with a person (and have met others) who don't carry cash. None. At all. Only use credit/ debit cards. Then there are times the guy at work needs cash.... then winds up going to a local ATM at a convenience store and lets his bank charge him $3-4 for the privilege of accessing his own money. This particular work guy feels that carrying cash is "safer" in case he gets robbed. Obviously has not heard the stories of robbers holding a gun to someone's head and saying "take me to an atm, you will withdraw money, now lets go to the next atm....." .... Oh, that won't happen..... (hint: it has. and people have been shot to death in Baltimore for not carrying enough cash)
My brother apparently uses his cash back credit card (gets like 2% back on Everything... yes, every single purchase). Got the impression he does not carry cash.
Running groceries, fuel and mortgage payments through a cashback or airline card can provide some amazing things!
Jim in AZ, post: 364768, member: 249 wrote: Running groceries, fuel and mortgage payments through a cashback or airline card can provide some amazing things!
Absolutely! My brother did both my nephews' college tuitions on that card.... talk about adding up quickly! (One of the colleges was Cornell... shall we say not exactly an inexpensive school).
I am pretty sure my brothers' mortgage has been paid off for years now.
I just don't really get the paying for "smaller" items with credit. I remember the days when stores would require something like a $10 min purchase to use a credit card due to the fees.
Big Brother will not be content until every possible item of personal data can be discovered somewhere in cyberspace. Paying with cash cuts out some of this immense data stream. Therefore, everyone must be converted into sheeple and "baa" to Big Brother's tune.
Holy Cow, post: 364781, member: 50 wrote: Big Brother will not be content until every possible item of personal data can be discovered somewhere in cyberspace. Paying with cash cuts out some of this immense data stream. Therefore, everyone must be converted into sheeple and "baa" to Big Brother's tune.
were we separated at birth? or maybe my dad traveled more than he said... hummm
Peter Ehlert, post: 364784, member: 60 wrote: were we separated at birth? or maybe my dad traveled more than he said... hummm
I think we can safely say you two aren't twins.... your pictures look so different 😀
Or, maybe my dad traveled more than he said.......hummmm
We must agree on a few things once in a while to make up for the other things that we don't.
Holy Cow, post: 364781, member: 50 wrote: Big Brother will not be content until every possible item of personal data can be discovered somewhere in cyberspace. Paying with cash cuts out some of this immense data stream. Therefore, everyone must be converted into sheeple and "baa" to Big Brother's tune.
If you think you are "hiding" something from Big Brother by not using credit cards you are delusional...
Being delusional is the last hope for me and immortality.
You can make it exceptionally easy for Big Brother or you can make him work to get what he wants. Why make it easy?
Holy Cow, post: 365017, member: 50 wrote: Why make it easy?
Why would you want to make it hard?
I mean; for the last 10,000 years, zealots have been making it hard. Why do we want to hinder progress? I seriously want to know; why do old people cling to the past? I remember my grandparents; complaining that the price of bread doubled! It went from 10 cents to 20....
Are you serious? The price of something went up 10 cents?!!
I guess if you fight it; you're part of the problem; not part of the solution. Do you have a better way? Bring it! I(f you don't; please get out of my way).
Just so there's no hard feelings; I love you [USER=50]@Holy Cow[/USER]; I've been following your posts since you were hole digger....
I know that you are one of the good ones.
You've got to understand; you live in a different environment; there are places that people are stacked up, several stories high. This means progress must be maintained in an orderly fashion or chaos will ensue.
Can you imagine where we'd be; if the library's of Alexandria hadn't burned...?
douGie.
How does losing every last shred of privacy equal progress?
How does giving control of everything in your life to strangers who have no connection to you equal progress?
As for the price of bread going from a dime to twenty cents being a really big deal. First, that is doubling the cost of a basic necessity. Second, when an hour's pay amounts to about 38 cents after withholding is removed, a dime is a really big deal. BTW, when I was about six years old, Safeway had a tiny loaf of bread that sold for a dime. My grandmother loved it because she was a widow living on Social Security and could not stand to waste anything......ever. A regular sized loaf of bread might begin to mold before she was done with it. She never bought more than two bananas at a time.
As proof of being a geezer, I recall all to well when the cost of a first class postage stamp jumped from 6 cents to 8 cents in early 1971. An increase of one-third. That would be roughly a 16 cent increase today. Peanuts to those who don't send many first class letters but you don't see the Post Office attempting to do it. But, they did it to us in 1971. At the time, my girl friend (actually she would become the mother of my children) lived 125 miles from me so we sent a letter a day to each other. Long distance telephone calls were far too expensive, so the USPS had to be good enough.
I am with you 100% Mr. Cow.
Many youngsters don't have a memory of their classmates being hungry. My folks both worked, a lot, so us kids were OK. However my family fed several of the neighbor kids, and lots of cousins.
Personally I don't see much progress...
Someone will correct me if I'm wrong, I sure, but I think such things are a matter of perspective.
When the price of something (be it bread, gas, whatever) increases, the up and coming generation seems to shrug their shoulders and say "so what?" while the elder generation tends to get more upset about such things.
When I was growing up and gas prices were increasing to around the 50 cent mark (actually lower than that), my folks became ever more cautious about how much they drove and looked for ways to save money on gas. I did not see the "big deal".
Both sets of my grandparents survived "The Great Depression". One set especially, the emotional damage was still apparent until their dying days. Would not waste any thing at all if they could possibly avoid it. Like they were scared to spend money.
While online, I often find myself having to look up acronyms I stumble across (more often than not in the Urban Dictionary). At Christmas, one of my nephews claimed that everything is clear as day. Well, for someone who did not grow up with cell phones, computers, internet, etc (me), I often have no idea at all what the abbreviations are supposed to mean. It seems like laziness to me when someone can not be bothered to type out a couple extra letters. And though I understand there can be a time and place for texting, I honestly have no use for it at all.
Progress has been grossly impeded for centuries; it's finally getting to the point that it's difficult to keep up. Is that a bad thing?
When I started surveying in 1975 I wasn't doing things much different than George Washington; 200 years earlier; and he wasn't doing things much different than the Egyptians; 2000 years earlier.
Look at what's changed in the last 40 years; is that a bad thing?
RADAR, post: 365075, member: 413 wrote: Progress has been grossly impeded for centuries; it's finally getting to the point that it's difficult to keep up. Is that a bad thing?
Depends on where you're progressing to
ÛÏProgress means getting nearer to the place you want to be. And if you have taken a wrong turning, then to go forward does not get you any nearer.
If you are on the wrong road, progress means doing an about-turn and walking back to the right road; and in that case the man who turns back soonest is the most progressive man.Û
Û¥ C.S. Lewis, Mere Christianity
I try to shop local as much as possible. BUT I will not or try not to go to the box stores.
I go to the neighborhood hardware and grocery store for items.
Once in while, I have to set a foot in a Lowes or Target. Wife shops at target for house stuff and prescription once a week.
I shop online than venture into a best buy, walmart, sams, kmart et al...
Sometimes I have to go to Academy and Marshall for stuff. I do like the very friendly no-ask return policies of these stores and online too with paid return shipping.
I have been shopping at Amazon from the earliest days. We are now enjoying the fire stick too with our prime membership.
Order something from a outdoor sport place this week that I haven't used since the early 90s when you had to call your order from a catalog 800# and give a CC #
Save lot of money online getting what I want specifically at discount prices. The two day free shipping is nice too.
People like Cow and other elders here do not live in the real world.
Wife doesn't carry cash. (i do) She carries a debit card. She has faced the same situation that COW described above. It wasn't a problem. They let her in. I came with the cash later. I tell her to keep some cash on hand but she is germophobic about money. I guess from working retail when she was young.
Our 7th grader has to take an online test for a re-certification this weekend. Available online only. You have to pay with a CC card to enter the online test. That is the real world. Pay with Mr. Visa or let the certification lapse.
all tht being said, one should review their CC statements online monthly for fraud charges. I caught one last year from a telecom company in a Mid-Atlantic state. MY CC card co. was aware and corrected the fraud charge immediately. They were charging not a large amount not to be noticed.
MY cc charges are limited to local stores, restaurants etc and a handful of online vendors so it it is easy to see a fraud charge.
Holy Cow, post: 365017, member: 50 wrote: Being delusional is the last hope for me and immortality.
You can make it exceptionally easy for Big Brother or you can make him work to get what he wants. Why make it easy?
I'm with you brother - but consider this: Most of the major marketing companies know more about you than you do yourself. Remember that thing you bought with cash last year? You do know that the little chip that went home in the box with you let a marketing company track it to your house? And that you gave it to your son-in-law at Christmas? Who took it home from the Christmas party at your Aunt's...
For about $99 anyone can purchase more information about you than you can imagine even exists! Guess what Big Brother pays for this info? Savvy folks applying for jobs purchase their own data to review so they provide the same info to potential empyoyers that the potential employer will find in their background check.
I have a relative involved somewhere in this chain of events, and I can tell you unequivocally that if you live in ANY 1st world country this is the situation. The notion of "privacy" in the sense that us old geezers think of it does not exist... This is whole new environment we are in, like it or not.
Jim in AZ, post: 365097, member: 249 wrote:
This is whole new environment we are in, like it or not.
Don't you mean "This is [The Brave New World] (or 1984) we are in....." ?
