Do you carry cash?

ed243421

Poncier

dankind said:

brianlux said:

dankind said:

Wobbie said:

brianlux said:

Meltdown99 said:

brianlux said:

Both.  Actually, all three:  I carry cash, a checkbook and credit cards.  If what I'm buying is from a major chain store, I used the credit card to give my wife airline miles with which to go visit her daughter (unless its under 10 few bucks, then I just pay cash.) 

If the store is a small business, family owned business, or charity thrift store, I pay cash.  If it's more than I have on me, I offer to write a check in order to save them money.  If they don't accept checks, I either come back with cash or use a credit card as a last resort.

My feeling is that using credit cards at most small businesses is... how shall I put it?... very not cool.

But using credit cards at corporate stores and paying the c/c bill off in full each month is smart.

Do people still use checks?

It would be thoughtful for those who use a credit card for small purchases to understand that doing so at a small business is hurtful to that business.  If you like or love your independent retailer, please consider using cash or a check on small purchases.

hear that, dan?

I don’t like (and I certainly don’t love) a single independent retailer around here.

FWIW, I used cash in Brooklyn all the time.

Sorry to hear that.  I would be bummed.

The only thing that keeps me going is my exit plan. 

It's what keeps the rest of the state going as well.

dankind

Poncier said:

dankind said:

brianlux said:

dankind said:

Wobbie said:

brianlux said:

Meltdown99 said:

brianlux said:

Both.  Actually, all three:  I carry cash, a checkbook and credit cards.  If what I'm buying is from a major chain store, I used the credit card to give my wife airline miles with which to go visit her daughter (unless its under 10 few bucks, then I just pay cash.) 

If the store is a small business, family owned business, or charity thrift store, I pay cash.  If it's more than I have on me, I offer to write a check in order to save them money.  If they don't accept checks, I either come back with cash or use a credit card as a last resort.

My feeling is that using credit cards at most small businesses is... how shall I put it?... very not cool.

But using credit cards at corporate stores and paying the c/c bill off in full each month is smart.

Do people still use checks?

It would be thoughtful for those who use a credit card for small purchases to understand that doing so at a small business is hurtful to that business.  If you like or love your independent retailer, please consider using cash or a check on small purchases.

hear that, dan?

I don’t like (and I certainly don’t love) a single independent retailer around here.

FWIW, I used cash in Brooklyn all the time.

Sorry to hear that.  I would be bummed.

The only thing that keeps me going is my exit plan. 

It's what keeps the rest of the state going as well.

Twelve more years, after which my children will be excellent test takers. 

mace1229

I don’t understand why anyone wouldn’t carry cash. It’s not big or heavy, a few 20s in your wallet and you don’t even notice, what’s the big deal?
There are times when you can only tip in cash (free shuttles, valet, prepaid things, etc) and you need cash to tip.
There are times when cash is a lot easier. I saw Willie Nelson this weekend. Venue held about 6000 and there were just a few big bars. Lines for drinks were 2-3 people deep. I watched for about 7 or 8 minutes waiting each person ordering a few drinks, hand over a card, wait for it to process, wait for a receipt, sign it and hand it back. Those with a tab took even longer waiting for the bartender to find the tab in a giant pile and ask for ID. When it was my turn I asked for 2 beers, dropped some cash and left. Took about 10 seconds verses 2-3 minutes everyone took.

I also often pay local businesses in cash, and more often than not they thank me. Sometimes even give me a discount. I had my chimney swept by a local guy, when he was writing the bill I asked if he prefers cash, he said he’d take off 5 or $10 if I paid cash and thanked me.
I don’t see any reason to not carry some, and then when you run into a minimum for card it doesn’t matter.
Carrying change is annoying, a few bills is no big deal.

bootlegger10

mace1229 said:

I don’t understand why anyone wouldn’t carry cash. It’s not big or heavy, a few 20s in your wallet and you don’t even notice, what’s the big deal?
There are times when you can only tip in cash (free shuttles, valet, prepaid things, etc) and you need cash to tip.
There are times when cash is a lot easier. I saw Willie Nelson this weekend. Venue held about 6000 and there were just a few big bars. Lines for drinks were 2-3 people deep. I watched for about 7 or 8 minutes waiting each person ordering a few drinks, hand over a card, wait for it to process, wait for a receipt, sign it and hand it back. Those with a tab took even longer waiting for the bartender to find the tab in a giant pile and ask for ID. When it was my turn I asked for 2 beers, dropped some cash and left. Took about 10 seconds verses 2-3 minutes everyone took.

I also often pay local businesses in cash, and more often than not they thank me. Sometimes even give me a discount. I had my chimney swept by a local guy, when he was writing the bill I asked if he prefers cash, he said he’d take off 5 or $10 if I paid cash and thanked me.
I don’t see any reason to not carry some, and then when you run into a minimum for card it doesn’t matter.
Carrying change is annoying, a few bills is no big deal.

I think the chimney guy was happy not because of credit card fees, but now he won't have to pay taxes.  Ha. 

HesCalledDyer

This thread is depressing as shit when you live paycheck to paycheck.

PJ_Soul

HesCalledDyer said:

This thread is depressing as shit when you live paycheck to paycheck.

Why? I live that way, and don't know what you mean.

PJ_Soul

mace1229 said:

I don’t understand why anyone wouldn’t carry cash. It’s not big or heavy, a few 20s in your wallet and you don’t even notice, what’s the big deal?
There are times when you can only tip in cash (free shuttles, valet, prepaid things, etc) and you need cash to tip.
There are times when cash is a lot easier. I saw Willie Nelson this weekend. Venue held about 6000 and there were just a few big bars. Lines for drinks were 2-3 people deep. I watched for about 7 or 8 minutes waiting each person ordering a few drinks, hand over a card, wait for it to process, wait for a receipt, sign it and hand it back. Those with a tab took even longer waiting for the bartender to find the tab in a giant pile and ask for ID. When it was my turn I asked for 2 beers, dropped some cash and left. Took about 10 seconds verses 2-3 minutes everyone took.

I also often pay local businesses in cash, and more often than not they thank me. Sometimes even give me a discount. I had my chimney swept by a local guy, when he was writing the bill I asked if he prefers cash, he said he’d take off 5 or $10 if I paid cash and thanked me.
I don’t see any reason to not carry some, and then when you run into a minimum for card it doesn’t matter.
Carrying change is annoying, a few bills is no big deal.

I don't carry cash because I feel that it's just more convenient and cheaper not to. I don't like having to actually go get the cash. I have to get it from machines that my own bank owns - otherwise I have to pay fees to withdraw it. I don't want to have to hunt for my bank's machines. Also, I get Scene rewards on my debit Visa and cash back on my Amex. I actually gain from using my cards instead of cash. That last point is the most important, and the main I reason I actually avoid cash whenever possible. Not using it makes all my trips to the movie theatre free, and I get back $200 or so a year from cash back. With the reward factor, I actually don't understand why most people would carry cash (all of my tips can be paid with my card - I'm don't use valets and shuttles, and the majority of people don't IMO, so I'm not relating to that (but sure, if you expect to pay tips in cash for some reason, that's a reason to have some). Anything prepaid includes the tip where I am. And who is still making people sign for credit card payments? Most people just tap the card or their phone on the machine - it's way faster than cash. If they don't have tap (I don't because there is no security with it), you stick in the card and enter a code and it processes in literally 3 seconds. Also, in Canada, card payments at the table is the norm, with portable machines that all the servers carry, so no issues there (I gather that this isn't the norm in the US, but I have no clue why not).

All of this works for me. If it doesn't for others, I don't care... but at some point cash is going to go away (I hope so, as it's a waste of money of resources IMO). Basically all of it will be done with smartphones and cards and microchips. I'm glad I'll already be used to it when that happens!

HesCalledDyer

PJ_Soul said:

HesCalledDyer said:

This thread is depressing as shit when you live paycheck to paycheck.

Why? I live that way, and don't know what you mean.

Seeing all these people that have "extra" money to just always carry around with them that doesn't need spent (emphasis on need, meaning to pay bills, food, etc).  People stashing $20, 50, 100 in their wallet, glove box, fridge, etc and just forgetting about it "for a rainy day."  Wish I had that luxury.

PJ_Soul

bootlegger10 said:

mace1229 said:

I don’t understand why anyone wouldn’t carry cash. It’s not big or heavy, a few 20s in your wallet and you don’t even notice, what’s the big deal?
There are times when you can only tip in cash (free shuttles, valet, prepaid things, etc) and you need cash to tip.
There are times when cash is a lot easier. I saw Willie Nelson this weekend. Venue held about 6000 and there were just a few big bars. Lines for drinks were 2-3 people deep. I watched for about 7 or 8 minutes waiting each person ordering a few drinks, hand over a card, wait for it to process, wait for a receipt, sign it and hand it back. Those with a tab took even longer waiting for the bartender to find the tab in a giant pile and ask for ID. When it was my turn I asked for 2 beers, dropped some cash and left. Took about 10 seconds verses 2-3 minutes everyone took.

I also often pay local businesses in cash, and more often than not they thank me. Sometimes even give me a discount. I had my chimney swept by a local guy, when he was writing the bill I asked if he prefers cash, he said he’d take off 5 or $10 if I paid cash and thanked me.
I don’t see any reason to not carry some, and then when you run into a minimum for card it doesn’t matter.
Carrying change is annoying, a few bills is no big deal.

I think the chimney guy was happy not because of credit card fees, but now he won't have to pay taxes.  Ha. 

Yep! So many tradesmen do this.

madtowndave

I only carry cash when I know I'll need it. Plus, if I have cash in my wallet it seems to disappear (I'll spend it faster).

F Me In The Brain

PJ_Soul said:

mace1229 said:

I don’t understand why anyone wouldn’t carry cash. It’s not big or heavy, a few 20s in your wallet and you don’t even notice, what’s the big deal?
There are times when you can only tip in cash (free shuttles, valet, prepaid things, etc) and you need cash to tip.
There are times when cash is a lot easier. I saw Willie Nelson this weekend. Venue held about 6000 and there were just a few big bars. Lines for drinks were 2-3 people deep. I watched for about 7 or 8 minutes waiting each person ordering a few drinks, hand over a card, wait for it to process, wait for a receipt, sign it and hand it back. Those with a tab took even longer waiting for the bartender to find the tab in a giant pile and ask for ID. When it was my turn I asked for 2 beers, dropped some cash and left. Took about 10 seconds verses 2-3 minutes everyone took.

I also often pay local businesses in cash, and more often than not they thank me. Sometimes even give me a discount. I had my chimney swept by a local guy, when he was writing the bill I asked if he prefers cash, he said he’d take off 5 or $10 if I paid cash and thanked me.
I don’t see any reason to not carry some, and then when you run into a minimum for card it doesn’t matter.
Carrying change is annoying, a few bills is no big deal.

I don't carry cash because I feel that it's just more convenient and cheaper not to. I don't like having to actually go get the cash. I have to get it from machines that my own bank owns - otherwise I have to pay fees to withdraw it. I don't want to have to hunt for my bank's machines. Also, I get Scene rewards on my debit Visa and cash back on my Amex. I actually gain from using my cards instead of cash. That last point is the most important, and the main I reason I actually avoid cash whenever possible. Not using it makes all my trips to the movie theatre free, and I get back $200 or so a year from cash back. With the reward factor, I actually don't understand why most people would carry cash (all of my tips can be paid with my card - I'm don't use valets and shuttles, and the majority of people don't IMO, so I'm not relating to that (but sure, if you expect to pay tips in cash for some reason, that's a reason to have some). Anything prepaid includes the tip where I am. And who is still making people sign for credit card payments? Most people just tap the card or their phone on the machine - it's way faster than cash. If they don't have tap (I don't because there is no security with it), you stick in the card and enter a code and it processes in literally 3 seconds. Also, in Canada, card payments at the table is the norm, with portable machines that all the servers carry, so no issues there (I gather that this isn't the norm in the US, but I have no clue why not).

All of this works for me. If it doesn't for others, I don't care... but at some point cash is going to go away (I hope so, as it's a waste of money of resources IMO). Basically all of it will be done with smartphones and cards and microchips. I'm glad I'll already be used to it when that happens!

Tips in cash don't have to be reported and people who I tend to tip work hard enough, for little enough, without the govt trying to fuck them some more.  Put the money in their pockets and keep 100% of it.  It is a gift, one of appreciation from me to them - I don't want that being taxable.

mace1229

PJ_Soul said:

mace1229 said:

I don’t understand why anyone wouldn’t carry cash. It’s not big or heavy, a few 20s in your wallet and you don’t even notice, what’s the big deal?
There are times when you can only tip in cash (free shuttles, valet, prepaid things, etc) and you need cash to tip.
There are times when cash is a lot easier. I saw Willie Nelson this weekend. Venue held about 6000 and there were just a few big bars. Lines for drinks were 2-3 people deep. I watched for about 7 or 8 minutes waiting each person ordering a few drinks, hand over a card, wait for it to process, wait for a receipt, sign it and hand it back. Those with a tab took even longer waiting for the bartender to find the tab in a giant pile and ask for ID. When it was my turn I asked for 2 beers, dropped some cash and left. Took about 10 seconds verses 2-3 minutes everyone took.

I also often pay local businesses in cash, and more often than not they thank me. Sometimes even give me a discount. I had my chimney swept by a local guy, when he was writing the bill I asked if he prefers cash, he said he’d take off 5 or $10 if I paid cash and thanked me.
I don’t see any reason to not carry some, and then when you run into a minimum for card it doesn’t matter.
Carrying change is annoying, a few bills is no big deal.

I don't carry cash because I feel that it's just more convenient and cheaper not to. I don't like having to actually go get the cash. I have to get it from machines that my own bank owns - otherwise I have to pay fees to withdraw it. I don't want to have to hunt for my bank's machines. Also, I get Scene rewards on my debit Visa and cash back on my Amex. I actually gain from using my cards instead of cash. That last point is the most important, and the main I reason I actually avoid cash whenever possible. Not using it makes all my trips to the movie theatre free, and I get back $200 or so a year from cash back. With the reward factor, I actually don't understand why most people would carry cash (all of my tips can be paid with my card - I'm don't use valets and shuttles, and the majority of people don't IMO, so I'm not relating to that (but sure, if you expect to pay tips in cash for some reason, that's a reason to have some). Anything prepaid includes the tip where I am. And who is still making people sign for credit card payments? Most people just tap the card or their phone on the machine - it's way faster than cash. If they don't have tap (I don't because there is no security with it), you stick in the card and enter a code and it processes in literally 3 seconds. Also, in Canada, card payments at the table is the norm, with portable machines that all the servers carry, so no issues there (I gather that this isn't the norm in the US, but I have no clue why not).

All of this works for me. If it doesn't for others, I don't care... but at some point cash is going to go away (I hope so, as it's a waste of money of resources IMO). Basically all of it will be done with smartphones and cards and microchips. I'm glad I'll already be used to it when that happens!

I agree with everything. I use cards for the same reason, cash back (except local shops or restaurants where they request cash, and many do). I still don't see a reason not to just carry $20 on you.
One of my favorite restaurants is cash only. And if it is that big of a pain to go to the ATM, seems like more of a reason to just carry a little on you for when you need it. I don't know if it works the same in Canada, but almost any grocery store here will give cash back, so I rarely use the atm either.  Its just so much more convenient to have a little cash on hand so when you run into that minimum purchase or cash-only spot its no big deal.
I lived check to check for a long time too, and it really didn't make a difference. Take out $40 when you get your check, and towards the end when you're running low use that cash instead of the card. When you get paid get $40 cash back on your first purchase.
Even though I try to use my card whever I can, I find myself needing cash a lot. I go to GreatClips for my haircuts, normally $16 a cut, but if you prepay for 5 they are only $10 each, but you can't include tip. Only way is to leave cash. My wife gets free touch-ups and bang trims from her dresser between cuts, only way to tip is with cash. Some neighbor kid is selling candy for a fund raiser, or girlscout cookies, whatever, they don't carry around credit machines. Need cash. A lot of places around downtown have only free valet parking, need to tip cash. A coffee shop band see's my Pearl Jam shirt and decides to play a PJ song, I'll tip a few bucks. Drive by a yard sale and they have some books or whatever I like, I'll spend a few bucks on some books. 
I don't carry around a lot, but I hate having $0 cash on me.

dankind

PJ_Soul said:

bootlegger10 said:

mace1229 said:

I don’t understand why anyone wouldn’t carry cash. It’s not big or heavy, a few 20s in your wallet and you don’t even notice, what’s the big deal?
There are times when you can only tip in cash (free shuttles, valet, prepaid things, etc) and you need cash to tip.
There are times when cash is a lot easier. I saw Willie Nelson this weekend. Venue held about 6000 and there were just a few big bars. Lines for drinks were 2-3 people deep. I watched for about 7 or 8 minutes waiting each person ordering a few drinks, hand over a card, wait for it to process, wait for a receipt, sign it and hand it back. Those with a tab took even longer waiting for the bartender to find the tab in a giant pile and ask for ID. When it was my turn I asked for 2 beers, dropped some cash and left. Took about 10 seconds verses 2-3 minutes everyone took.

I also often pay local businesses in cash, and more often than not they thank me. Sometimes even give me a discount. I had my chimney swept by a local guy, when he was writing the bill I asked if he prefers cash, he said he’d take off 5 or $10 if I paid cash and thanked me.
I don’t see any reason to not carry some, and then when you run into a minimum for card it doesn’t matter.
Carrying change is annoying, a few bills is no big deal.

I think the chimney guy was happy not because of credit card fees, but now he won't have to pay taxes.  Ha. 

Yep! So many tradesmen do this.

Which is why we always pay these fuckers with a check.

You make enough money to afford a fleet of expensive trucks, equipment and whatnot; you can afford to pay your fucking taxes like the rest of us.

dankind

F Me In The Brain said:

PJ_Soul said:

mace1229 said:

I don’t understand why anyone wouldn’t carry cash. It’s not big or heavy, a few 20s in your wallet and you don’t even notice, what’s the big deal?
There are times when you can only tip in cash (free shuttles, valet, prepaid things, etc) and you need cash to tip.
There are times when cash is a lot easier. I saw Willie Nelson this weekend. Venue held about 6000 and there were just a few big bars. Lines for drinks were 2-3 people deep. I watched for about 7 or 8 minutes waiting each person ordering a few drinks, hand over a card, wait for it to process, wait for a receipt, sign it and hand it back. Those with a tab took even longer waiting for the bartender to find the tab in a giant pile and ask for ID. When it was my turn I asked for 2 beers, dropped some cash and left. Took about 10 seconds verses 2-3 minutes everyone took.

I also often pay local businesses in cash, and more often than not they thank me. Sometimes even give me a discount. I had my chimney swept by a local guy, when he was writing the bill I asked if he prefers cash, he said he’d take off 5 or $10 if I paid cash and thanked me.
I don’t see any reason to not carry some, and then when you run into a minimum for card it doesn’t matter.
Carrying change is annoying, a few bills is no big deal.

I don't carry cash because I feel that it's just more convenient and cheaper not to. I don't like having to actually go get the cash. I have to get it from machines that my own bank owns - otherwise I have to pay fees to withdraw it. I don't want to have to hunt for my bank's machines. Also, I get Scene rewards on my debit Visa and cash back on my Amex. I actually gain from using my cards instead of cash. That last point is the most important, and the main I reason I actually avoid cash whenever possible. Not using it makes all my trips to the movie theatre free, and I get back $200 or so a year from cash back. With the reward factor, I actually don't understand why most people would carry cash (all of my tips can be paid with my card - I'm don't use valets and shuttles, and the majority of people don't IMO, so I'm not relating to that (but sure, if you expect to pay tips in cash for some reason, that's a reason to have some). Anything prepaid includes the tip where I am. And who is still making people sign for credit card payments? Most people just tap the card or their phone on the machine - it's way faster than cash. If they don't have tap (I don't because there is no security with it), you stick in the card and enter a code and it processes in literally 3 seconds. Also, in Canada, card payments at the table is the norm, with portable machines that all the servers carry, so no issues there (I gather that this isn't the norm in the US, but I have no clue why not).

All of this works for me. If it doesn't for others, I don't care... but at some point cash is going to go away (I hope so, as it's a waste of money of resources IMO). Basically all of it will be done with smartphones and cards and microchips. I'm glad I'll already be used to it when that happens!

Tips in cash don't have to be reported and people who I tend to tip work hard enough, for little enough, without the govt trying to fuck them some more.  Put the money in their pockets and keep 100% of it.  It is a gift, one of appreciation from me to them - I don't want that being taxable.

hedonist

dankind said:

PJ_Soul said:

bootlegger10 said:

mace1229 said:

I don’t understand why anyone wouldn’t carry cash. It’s not big or heavy, a few 20s in your wallet and you don’t even notice, what’s the big deal?
There are times when you can only tip in cash (free shuttles, valet, prepaid things, etc) and you need cash to tip.
There are times when cash is a lot easier. I saw Willie Nelson this weekend. Venue held about 6000 and there were just a few big bars. Lines for drinks were 2-3 people deep. I watched for about 7 or 8 minutes waiting each person ordering a few drinks, hand over a card, wait for it to process, wait for a receipt, sign it and hand it back. Those with a tab took even longer waiting for the bartender to find the tab in a giant pile and ask for ID. When it was my turn I asked for 2 beers, dropped some cash and left. Took about 10 seconds verses 2-3 minutes everyone took.

I also often pay local businesses in cash, and more often than not they thank me. Sometimes even give me a discount. I had my chimney swept by a local guy, when he was writing the bill I asked if he prefers cash, he said he’d take off 5 or $10 if I paid cash and thanked me.
I don’t see any reason to not carry some, and then when you run into a minimum for card it doesn’t matter.
Carrying change is annoying, a few bills is no big deal.

I think the chimney guy was happy not because of credit card fees, but now he won't have to pay taxes.  Ha. 

Yep! So many tradesmen do this.

Which is why we always pay these fuckers with a check.

You make enough money to afford a fleet of expensive trucks, equipment and whatnot; you can afford to pay your fucking taxes like the rest of us.

Agreed!  Though I'm with F Me on straight tipping well for great service.

F Me In The Brain

dankind said:

F Me In The Brain said:

PJ_Soul said:

mace1229 said:

I don’t understand why anyone wouldn’t carry cash. It’s not big or heavy, a few 20s in your wallet and you don’t even notice, what’s the big deal?
There are times when you can only tip in cash (free shuttles, valet, prepaid things, etc) and you need cash to tip.
There are times when cash is a lot easier. I saw Willie Nelson this weekend. Venue held about 6000 and there were just a few big bars. Lines for drinks were 2-3 people deep. I watched for about 7 or 8 minutes waiting each person ordering a few drinks, hand over a card, wait for it to process, wait for a receipt, sign it and hand it back. Those with a tab took even longer waiting for the bartender to find the tab in a giant pile and ask for ID. When it was my turn I asked for 2 beers, dropped some cash and left. Took about 10 seconds verses 2-3 minutes everyone took.

I also often pay local businesses in cash, and more often than not they thank me. Sometimes even give me a discount. I had my chimney swept by a local guy, when he was writing the bill I asked if he prefers cash, he said he’d take off 5 or $10 if I paid cash and thanked me.
I don’t see any reason to not carry some, and then when you run into a minimum for card it doesn’t matter.
Carrying change is annoying, a few bills is no big deal.

I don't carry cash because I feel that it's just more convenient and cheaper not to. I don't like having to actually go get the cash. I have to get it from machines that my own bank owns - otherwise I have to pay fees to withdraw it. I don't want to have to hunt for my bank's machines. Also, I get Scene rewards on my debit Visa and cash back on my Amex. I actually gain from using my cards instead of cash. That last point is the most important, and the main I reason I actually avoid cash whenever possible. Not using it makes all my trips to the movie theatre free, and I get back $200 or so a year from cash back. With the reward factor, I actually don't understand why most people would carry cash (all of my tips can be paid with my card - I'm don't use valets and shuttles, and the majority of people don't IMO, so I'm not relating to that (but sure, if you expect to pay tips in cash for some reason, that's a reason to have some). Anything prepaid includes the tip where I am. And who is still making people sign for credit card payments? Most people just tap the card or their phone on the machine - it's way faster than cash. If they don't have tap (I don't because there is no security with it), you stick in the card and enter a code and it processes in literally 3 seconds. Also, in Canada, card payments at the table is the norm, with portable machines that all the servers carry, so no issues there (I gather that this isn't the norm in the US, but I have no clue why not).

All of this works for me. If it doesn't for others, I don't care... but at some point cash is going to go away (I hope so, as it's a waste of money of resources IMO). Basically all of it will be done with smartphones and cards and microchips. I'm glad I'll already be used to it when that happens!

Tips in cash don't have to be reported and people who I tend to tip work hard enough, for little enough, without the govt trying to fuck them some more.  Put the money in their pockets and keep 100% of it.  It is a gift, one of appreciation from me to them - I don't want that being taxable.

Mr White's speech holds true.

I did predict you would mention that -- it is certainly the scene I thought of.

(Now, give me my dollar back!)

dankind

F Me In The Brain said:

dankind said:

F Me In The Brain said:

PJ_Soul said:

mace1229 said:

I don’t understand why anyone wouldn’t carry cash. It’s not big or heavy, a few 20s in your wallet and you don’t even notice, what’s the big deal?
There are times when you can only tip in cash (free shuttles, valet, prepaid things, etc) and you need cash to tip.
There are times when cash is a lot easier. I saw Willie Nelson this weekend. Venue held about 6000 and there were just a few big bars. Lines for drinks were 2-3 people deep. I watched for about 7 or 8 minutes waiting each person ordering a few drinks, hand over a card, wait for it to process, wait for a receipt, sign it and hand it back. Those with a tab took even longer waiting for the bartender to find the tab in a giant pile and ask for ID. When it was my turn I asked for 2 beers, dropped some cash and left. Took about 10 seconds verses 2-3 minutes everyone took.

I also often pay local businesses in cash, and more often than not they thank me. Sometimes even give me a discount. I had my chimney swept by a local guy, when he was writing the bill I asked if he prefers cash, he said he’d take off 5 or $10 if I paid cash and thanked me.
I don’t see any reason to not carry some, and then when you run into a minimum for card it doesn’t matter.
Carrying change is annoying, a few bills is no big deal.

I don't carry cash because I feel that it's just more convenient and cheaper not to. I don't like having to actually go get the cash. I have to get it from machines that my own bank owns - otherwise I have to pay fees to withdraw it. I don't want to have to hunt for my bank's machines. Also, I get Scene rewards on my debit Visa and cash back on my Amex. I actually gain from using my cards instead of cash. That last point is the most important, and the main I reason I actually avoid cash whenever possible. Not using it makes all my trips to the movie theatre free, and I get back $200 or so a year from cash back. With the reward factor, I actually don't understand why most people would carry cash (all of my tips can be paid with my card - I'm don't use valets and shuttles, and the majority of people don't IMO, so I'm not relating to that (but sure, if you expect to pay tips in cash for some reason, that's a reason to have some). Anything prepaid includes the tip where I am. And who is still making people sign for credit card payments? Most people just tap the card or their phone on the machine - it's way faster than cash. If they don't have tap (I don't because there is no security with it), you stick in the card and enter a code and it processes in literally 3 seconds. Also, in Canada, card payments at the table is the norm, with portable machines that all the servers carry, so no issues there (I gather that this isn't the norm in the US, but I have no clue why not).

All of this works for me. If it doesn't for others, I don't care... but at some point cash is going to go away (I hope so, as it's a waste of money of resources IMO). Basically all of it will be done with smartphones and cards and microchips. I'm glad I'll already be used to it when that happens!

Tips in cash don't have to be reported and people who I tend to tip work hard enough, for little enough, without the govt trying to fuck them some more.  Put the money in their pockets and keep 100% of it.  It is a gift, one of appreciation from me to them - I don't want that being taxable.

Mr White's speech holds true.

I did predict you would mention that -- it is certainly the scene I thought of.

(Now, give me my dollar back!)

Mr. White is a fool. The whole film he's a fool.

And I always tip servers in cash -- when in Brooklyn.

Also, the Beachcomber's Big Daddy always gets a ton of cash from me. That man is a legend.

Gern Blansten

F Me In The Brain said:

PJ_Soul said:

mace1229 said:

I don’t understand why anyone wouldn’t carry cash. It’s not big or heavy, a few 20s in your wallet and you don’t even notice, what’s the big deal?
There are times when you can only tip in cash (free shuttles, valet, prepaid things, etc) and you need cash to tip.
There are times when cash is a lot easier. I saw Willie Nelson this weekend. Venue held about 6000 and there were just a few big bars. Lines for drinks were 2-3 people deep. I watched for about 7 or 8 minutes waiting each person ordering a few drinks, hand over a card, wait for it to process, wait for a receipt, sign it and hand it back. Those with a tab took even longer waiting for the bartender to find the tab in a giant pile and ask for ID. When it was my turn I asked for 2 beers, dropped some cash and left. Took about 10 seconds verses 2-3 minutes everyone took.

I also often pay local businesses in cash, and more often than not they thank me. Sometimes even give me a discount. I had my chimney swept by a local guy, when he was writing the bill I asked if he prefers cash, he said he’d take off 5 or $10 if I paid cash and thanked me.
I don’t see any reason to not carry some, and then when you run into a minimum for card it doesn’t matter.
Carrying change is annoying, a few bills is no big deal.

I don't carry cash because I feel that it's just more convenient and cheaper not to. I don't like having to actually go get the cash. I have to get it from machines that my own bank owns - otherwise I have to pay fees to withdraw it. I don't want to have to hunt for my bank's machines. Also, I get Scene rewards on my debit Visa and cash back on my Amex. I actually gain from using my cards instead of cash. That last point is the most important, and the main I reason I actually avoid cash whenever possible. Not using it makes all my trips to the movie theatre free, and I get back $200 or so a year from cash back. With the reward factor, I actually don't understand why most people would carry cash (all of my tips can be paid with my card - I'm don't use valets and shuttles, and the majority of people don't IMO, so I'm not relating to that (but sure, if you expect to pay tips in cash for some reason, that's a reason to have some). Anything prepaid includes the tip where I am. And who is still making people sign for credit card payments? Most people just tap the card or their phone on the machine - it's way faster than cash. If they don't have tap (I don't because there is no security with it), you stick in the card and enter a code and it processes in literally 3 seconds. Also, in Canada, card payments at the table is the norm, with portable machines that all the servers carry, so no issues there (I gather that this isn't the norm in the US, but I have no clue why not).

All of this works for me. If it doesn't for others, I don't care... but at some point cash is going to go away (I hope so, as it's a waste of money of resources IMO). Basically all of it will be done with smartphones and cards and microchips. I'm glad I'll already be used to it when that happens!

Tips in cash don't have to be reported and people who I tend to tip work hard enough, for little enough, without the govt trying to fuck them some more.  Put the money in their pockets and keep 100% of it.  It is a gift, one of appreciation from me to them - I don't want that being taxable.

That's actually not true.  Cash tips are required to be reported.

They are LESS likely to be reported but that's another angle.

F Me In The Brain

Gern Blansten said:

F Me In The Brain said:

PJ_Soul said:

mace1229 said:

I don’t understand why anyone wouldn’t carry cash. It’s not big or heavy, a few 20s in your wallet and you don’t even notice, what’s the big deal?
There are times when you can only tip in cash (free shuttles, valet, prepaid things, etc) and you need cash to tip.
There are times when cash is a lot easier. I saw Willie Nelson this weekend. Venue held about 6000 and there were just a few big bars. Lines for drinks were 2-3 people deep. I watched for about 7 or 8 minutes waiting each person ordering a few drinks, hand over a card, wait for it to process, wait for a receipt, sign it and hand it back. Those with a tab took even longer waiting for the bartender to find the tab in a giant pile and ask for ID. When it was my turn I asked for 2 beers, dropped some cash and left. Took about 10 seconds verses 2-3 minutes everyone took.

I also often pay local businesses in cash, and more often than not they thank me. Sometimes even give me a discount. I had my chimney swept by a local guy, when he was writing the bill I asked if he prefers cash, he said he’d take off 5 or $10 if I paid cash and thanked me.
I don’t see any reason to not carry some, and then when you run into a minimum for card it doesn’t matter.
Carrying change is annoying, a few bills is no big deal.

I don't carry cash because I feel that it's just more convenient and cheaper not to. I don't like having to actually go get the cash. I have to get it from machines that my own bank owns - otherwise I have to pay fees to withdraw it. I don't want to have to hunt for my bank's machines. Also, I get Scene rewards on my debit Visa and cash back on my Amex. I actually gain from using my cards instead of cash. That last point is the most important, and the main I reason I actually avoid cash whenever possible. Not using it makes all my trips to the movie theatre free, and I get back $200 or so a year from cash back. With the reward factor, I actually don't understand why most people would carry cash (all of my tips can be paid with my card - I'm don't use valets and shuttles, and the majority of people don't IMO, so I'm not relating to that (but sure, if you expect to pay tips in cash for some reason, that's a reason to have some). Anything prepaid includes the tip where I am. And who is still making people sign for credit card payments? Most people just tap the card or their phone on the machine - it's way faster than cash. If they don't have tap (I don't because there is no security with it), you stick in the card and enter a code and it processes in literally 3 seconds. Also, in Canada, card payments at the table is the norm, with portable machines that all the servers carry, so no issues there (I gather that this isn't the norm in the US, but I have no clue why not).

All of this works for me. If it doesn't for others, I don't care... but at some point cash is going to go away (I hope so, as it's a waste of money of resources IMO). Basically all of it will be done with smartphones and cards and microchips. I'm glad I'll already be used to it when that happens!

Tips in cash don't have to be reported and people who I tend to tip work hard enough, for little enough, without the govt trying to fuck them some more.  Put the money in their pockets and keep 100% of it.  It is a gift, one of appreciation from me to them - I don't want that being taxable.

That's actually not true.  Cash tips are required to be reported.

They are LESS likely to be reported but that's another angle.

True, if you are following the law.  Fuck the govt taxaty pla .