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With my credit card, I don't see anything unless I take a look at my statement.
Anyway, I have the fortunate circumstance of being able to pay for things that I want; I just hate spending money sometimes unless it's something I think is really going to make me satisfied.
Yes, realize that. But that's because the majority of the fucking sheep don't even know or understand this.
Snapon tools are serious overkill for a homeowner. Not unusual for a 5 piece screwdriver set to cost $70. Or $30 for a single torx driver.
Snapon tools in his garage
Snapon tools are serious overkill for a homeowner. Not unusual for a 5 piece screwdriver set to cost $70. Or $30 for a single torx driver.
Snapon tools in his garage
Snapon tools are serious overkill for a homeowner. Not unusual for a 5 piece screwdriver set to cost $70. Or $30 for a single torx driver.
You make a valid point here to some extent. I'd say the smartphone is a wash though. Good luck today being employable without even a basic smartphone (calls/text obviously, but email and web access).
Now walking around with $15k of Snap-On tools strapped to your chest, then we can start talking. Lol, good luck doing that regardless how expensive they are. Literally proves the cash is stupid point even further. At least you could stab someone with a screwdriver. A $20 bill ain't gonna do the trick.
Feel like I've touched a nerve here though with a few people. Sorry. Not intended. You don't have to like it, you can try to fight it, but cash is mostly dead outside of gambling, drugs and tax evaders.
I don't know, guess I'm beating a dead horse here. Not saying opinions here are wrong, but where I live, carrying cash is really impractical and the people up in arms over a bank branch closing are frankly minimally retarded at some level. Haven't pulled cash out of anything over the last decade besides maybe 2 times at a casino. To each their own I suppose.
I guess I wasn't clear.....i was trying to say is instead of getting in line 6 times to withdraw $50, just withdraw $300 and be done with it....But some people act as if having $300 at home is HIGH RISK yet they have many many things much more valuable laying around. It's almost as if they have some type of fear of cash. If they are really so afraid that a famiily member is going to steal their money, just find a good hiding place.
The reason you touched a nerve was because you were wrong... by a mile...
70% or more transactions are cash free in your graph.
Credit cards are irresponsible simple. If one needs credit to buy loaf of bread, they are not managing their finances well.
CC points are also relative to how they're redeemed depending on the program. I've calculated about 8-10% back depending on the points used for the flight overall.
FortWayneIndiana saysCredit cards are irresponsible simple. If one needs credit to buy loaf of bread, they are not managing their finances well.
Explain? What's the difference if you pay the balance? I don't get your comment at all. It doesn't make sense at all.
If getting $4k worth of value back in a year is irresponsible you may want to rethink how you make money. Doing pretty good $/hr using a credit card, but hey... whatever?
Maybe I was stupid for starting a thread thinking there would have been educated, reasonable and coherent responses. A guy could only hope. Have a good Friday, lol.
Because you pay interest on things you buy with a credit card.
Because you pay interest on things you buy with a credit card. Because credit cards make people spend more than they would normally if they were relying on cash.
Patrick - one thing I don't like with the YOU thing is the HTML when quoting. Sometimes I like to reread something while typing a comment and there's a shitload of HTML tags in some of the quoted stuff due to YOU being in the comment along with making it red. You can keep it or dump it, doesn't really bother me either way technically. More of an observation (aka it annoys me slightly).
Your own graph states a majority of transactions are done via credit, debit, even check (physical paper itself, but electronic technically). At what point are these transactions with physical cash? 70% or more transactions are cash free in your graph.
Cash remains the most used payment instrument
You generally HAVE to have some form of payment with you though when you leave the house. Whatever method of payment that is, I don't actually care,
Patrick - one thing I don't like with the YOU thing is the HTML when quoting.
WookieMan saysPatrick - one thing I don't like with the YOU thing is the HTML when quoting. Sometimes I like to reread something while typing a comment and there's a shitload of HTML tags in some of the quoted stuff due to YOU being in the comment along with making it red. You can keep it or dump it, doesn't really bother me either way technically. More of an observation (aka it annoys me slightly).
Yes, maybe it's time to remove that.
I find there are more situations (for me) when credit card is REQUIRED than there are when cash is required.
For example, you MUST use credit card or ATM card:
• some street parking meters (or do you really carry $12 of quarters with you at all times)
• rent a car
• deposit for hotel
• many things you buy on line (or you use PayPal, which is also hooked to a credit card or bank account — but definitely tracked either way)
It drives me nuts that people swipe their cards for items that cost a few dollars, and it ties up the lines waiting for the transaction to finish:
It drives me nuts that people swipe their cards for items that cost a few dollars, and it ties up the lines waiting for the transaction to finish
Credit cards are sooooo 20th century! Out here I use ApplePay™ for most things. It's very fast. In fact, at the supermarket I can use it before the cashier has even finished scanning the groceries. Literally 0 additional time.
First we get fooled into thinking paper is money, then they take the paper away and fool us into thinking numbers are money, then they tie the numbers into a social credit system like in China...
Once you give an entity all the power to make your life easier, you’ve also given them the power to take everything from you.
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I carry some cash in case of, well nothing except going to a casino or strip club. My credit card pays me (via points) and I pay it off every month. Reason I ask is my small town has a bank closing and people are all fucking worked up over it. The only need for a physical branch now-a-days is to grab cash and that's what they're upset about. But why?
It's been a decade since I've EVER been in a situation where my CC couldn't get me out of a situation. Cash can get stolen. Debit cards are generally less secure (fraud protection) than CC's. I'm sure it's some big banking conspiracy, tin foil hat shit, but using cash/debit is like having sex with an HIV positive person without protection. Give me your reasons why I'm wrong. Seriously interested.