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Thread: Out of cash

  1. #1
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    Out of cash

    Do you still use cash? Is the dollar bill becoming obsolete?

  2. #2
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    I make sure I have cash for small local businesses like farm stands or the saw mill. I also like to tip with cash and , of course there's craigslist.
    Well my days of not taking you seriously are certainly coming to a middle.

  3. #3
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    I still prefer cash. The idea that everything electronic can be monitored and tracked bugs the shit out of me.
    Goya! It's got what plants crave. It's got electrolytes. Livin in an Idiocracy.

  4. #4
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    99% if the time I don’t have any cash on me. It is unnecessary when almost all businesses have a e commerce tablet or square. Plus with my cards I earn “free” stuff each time I use it.


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  5. #5
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    I haven't used cash in a couple of years. I don't even want to be paid in cash when I sell something.

  6. #6
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    Lots of businesses are trying to avoid cash exchanges in the days of CV19. I typically keep 20-50 dollars cash on me for just in case, but hardly use it much... especially not since CV19 hit.

    I'm not a fan of paying with your phone, though... that just seems ripe for exploitation.

  7. #7
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    Well, folks, if any of you are bothered by the presence in you wallets/pockets you can just give it to me, I''ll make good use of it. No charge!
    Just call me Ray

  8. #8
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    I almost never use a card. The businesses in town offer a 3.5% cash discount. I even use cash when I travel. I like the artwork on bills and like to figure the exchange rate. I've had my AMEX and VISA hacked at LAX for over $50K in charges but my cash was fine. Party on.
    Ripping trails and tipping ales

  9. #9
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    Quote Originally Posted by d365 View Post
    I'm not a fan of paying with your phone, though... that just seems ripe for exploitation.
    Samsung pay is more secure since no information about your credit card is shared

  10. #10
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    I use cash with small businesses, typically carry a few hundred with me.

  11. #11
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    Quote Originally Posted by d365 View Post
    I'm not a fan of paying with your phone, though... that just seems ripe for exploitation.
    Apple Pay is one of the most secure ways to pay electronically. Your information never goes from Apple to the vendor. I use it all the time, and love it.

  12. #12
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    Almost all of my "point of sale" transactions are via credit card, which I try to pay off electronically the same day. It's essentially the same as using a debit card, but with more protection; plus I get points for purchases.

    Cash is useful for some things, like a tip jar or the farmer's market. My barber only takes cash (I hope they reopen).

    I still write about 1 personal check per month, for reasons.
    Go Fact Yourself.

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  13. #13
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    I carry around some cash, but can easily go weeks without spending even a dollar of it. The convenience of credit cards and electronic bill pay is worth a lot to me.

  14. #14
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    I just bought some bike tools from a guy on facebook marketplace and when I handed him cash, he looked at me like I had 3 heads. My kids use Venmo for a ton of stuff, but I never signed up. I do use Paypal for many online transactions and cards for most in person stuff.

  15. #15
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    I use cash in person exclusively. Always have 3-4 hunnit's on me. Why support Banks and credit card companies if you can avoid it? Online I use PayPal as much as possible but still don't like a third party capitalizing on a transaction for doing nothing... it's bs!

    https://youtu.be/Bqxnm6t3QMw

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  16. #16
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    Of course I still use cash.

    I get my bike parts from some guy named 'Blade' in the alley behind a bar. Right out of his trunk. He takes cash only, small bills, non-sequential serial numbers.
    Do not take anything I post seriously. I don't.

  17. #17
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    Quote Originally Posted by mileslong View Post
    I passionately remove rocks and corners and other stuff I find too hard to ride.

  18. #18
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    I prefer to use cash, whenever possible. When a card is necessary, I use a bank card. We have one credit card and it is for absolute emergency purposes. Generally, our rule is - if we can't afford to pay cash, we don't need it.

    Sent from my SM-G973U using Tapatalk

  19. #19
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    my drug dealer only takes cash...


  20. #20
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    Yes, I use cash for stuff.

  21. #21
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    Quote Originally Posted by WHALENARD View Post
    I use cash in person exclusively. Always have 3-4 hunnit's on me. Why support Banks and credit card companies if you can avoid it? Online I use PayPal as much as possible but still don't like a third party capitalizing on a transaction for doing nothing... it's bs!
    Well they are providing a service, presumably allowing you to pay someone else when you can't do it in person?
    Credit Companies have their uses, I'd rather carry a single card protected with a pin number than a large amount of cash. And cards have protections and call backs. That said I still like to have some cash, but have started using my phone a lot more lately. It's much more consistent on the pay wave machines than my cards.

  22. #22
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    Quote Originally Posted by Coal-Cracker View Post
    I prefer to use cash, whenever possible. When a card is necessary, I use a bank card. We have one credit card and it is for absolute emergency purposes. Generally, our rule is - if we can't afford to pay cash, we don't need it.

    Sent from my SM-G973U using Tapatalk
    That is the correct way to look at needs, and how to avoid debt. If you are that responsible you could very easily take advantage of a good credit card. Your everyday purchases could bring you cash back or other free rewards.

    I pay my full balance every month so it is like I had used cash, but I also get to enjoy earning free stuff. I just booked a hotel room that cost me $0.


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  23. #23
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    Quote Originally Posted by Radium View Post
    Well, folks, if any of you are bothered by the presence in you wallets/pockets you can just give it to me, I''ll make good use of it. No charge!
    I've got a better deal, If you give it to me I'll give a 10% cash back reward!
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  24. #24
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    Quote Originally Posted by Mudguard View Post
    Well they are providing a service, presumably allowing you to pay someone else when you can't do it in person?
    Credit Companies have their uses, I'd rather carry a single card protected with a pin number than a large amount of cash. And cards have protections and call backs. That said I still like to have some cash, but have started using my phone a lot more lately. It's much more consistent on the pay wave machines than my cards.
    Payday loans provide a service too. Making money with others peoples money while not actually producing anything has no place in my utopia, man.

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  25. #25
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    I've been using Apple Pay as of late...but I always carry some cash with me. I mostly use whatever is convenient at the moment.

  26. #26
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    Quote Originally Posted by austink26 View Post
    I pay my full balance every month so it is like I had used cash, but I also get to enjoy earning free stuff. I just booked a hotel room that cost me $0.
    Yep, this is pretty much me, except free flights. Yeah, it's Southwürst, but my daughter goes to skool in Boise and there are non-stops between SAN & BOI.

    For online I also pay off PayPal balances monthly.

    I haven't tried Apple Pay or Venmo, but my wife & daughters do. Seems handy.
    Go Fact Yourself.

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  27. #27
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    Quote Originally Posted by WHALENARD View Post
    Payday loans provide a service too. Making money with others peoples money while not actually producing anything has no place in my utopia, man.
    Of course they're producing something, whatever that person has used that loan for. I've no desire to go to a barter system. Credit has it flaws, but it's been pretty convenient for hundred of years. The sooner cheques vanish the better too (they almost are here).

  28. #28
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    Quote Originally Posted by austink26 View Post
    That is the correct way to look at needs, and how to avoid debt. If you are that responsible you could very easily take advantage of a good credit card. Your everyday purchases could bring you cash back or other free rewards.

    I pay my full balance every month so it is like I had used cash, but I also get to enjoy earning free stuff. I just booked a hotel room that cost me $0.


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    Yep, if you are paying the same for cash or credit, then you are losing money using cash.

  29. #29
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    Quote Originally Posted by WHALENARD View Post
    Payday loans provide a service too. Making money with others peoples money while not actually producing anything has no place in my utopia, man.
    In utopia, no. But here in the world how many of us would own a home if there was no credit?
    Well my days of not taking you seriously are certainly coming to a middle.

  30. #30
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    Quote Originally Posted by MOJO K View Post
    In utopia, no. But here in the world how many of us would own a home if there was no credit?

    I don't think Payday is enabling anyone to buy a home.
    I brake for stinkbugs

  31. #31
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    Quote Originally Posted by MOJO K View Post
    In utopia, no. But here in the world how many of us would own a home if there was no credit?
    I think we're talking about 2 different things now though. 1 party assumes a lot of risk in that relationship.

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  32. #32
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    Quote Originally Posted by WHALENARD View Post
    I think we're talking about 2 different things now though. 1 party assumes a lot of risk in that relationship.
    Surely it's the same. Different interest rates and time frames sure, but essentially the same thing. Credit is extended with the promise to pay it back.

  33. #33
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    Quote Originally Posted by Mudguard View Post
    Surely it's the same. Different interest rates and time frames sure, but essentially the same thing. Credit is extended with the promise to pay it back.

    One helps put people in houses and the other helps put people on the street. So not exactly the same.
    I brake for stinkbugs

  34. #34
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    Quote Originally Posted by Mudguard View Post
    Surely it's the same. Different interest rates and time frames sure, but essentially the same thing. Credit is extended with the promise to pay it back.
    Do you guys have rampant predatory lending in OZ? Do you as a country hold an insane credit dept vs gdp? Has your economy been wrecked by derivatives and these institutions massively over-leveraging themselves? Just take a look at the practices Wells Fargo has been busted on over the last 2 years alone. I don't see this going anywhere, we'll have to agree to disagree

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  35. #35
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    Quote Originally Posted by J.B. Weld View Post
    One helps put people in houses and the other helps put people on the street. So not exactly the same.
    Of course they're the same thing, credit is credit. I imagine the payday loans have an extortionate interest rate though. Rates are always lower when they secured against something.
    They have been examined here pretty critically.

    Quote Originally Posted by WHALENARD View Post
    Do you guys have rampant predatory lending in OZ? Do you as a country hold an insane credit dept vs gdp?
    Ah well I'm not in Oz and until recently our debt as a % of GDP was about 25% but suspect that just doubled due to Covid.

    The original argument was institutions not producing anything by simply loaning people money, which is what a bank does. Sure they secure a house, but have a lower return than a payday loan.
    We have different rules here for mortgages, maximum term is usually five years (that you can fix the interest rate for), can't walk away and leave the keys either. Well you can, but you'll be bankrupted if the bank doesn't get back what you owe.

  36. #36
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    How long until they start printing money with some different faces?

  37. #37
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    Quote Originally Posted by Mudguard View Post
    Of course they're the same thing, credit is credit.

    Sure they're the same in some ways but much different in others. Sort of like a bike shop vs a crack house. They both sell things so they're the same in that way but their sales have very different results.
    I brake for stinkbugs

  38. #38
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    Quote Originally Posted by Train Wreck View Post
    How long until they start printing money with some different faces?
    How often do the notes actually change?

    Quote Originally Posted by J.B. Weld View Post
    Sure they're the same in some ways but much different in others. Sort of like a bike shop vs a crack house. They both sell things so they're the same in that way but their sales have very different results.
    Are crack houses legal in the US? Are payday lenders not?

  39. #39
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    Quote Originally Posted by J.B. Weld View Post
    Sure they're the same in some ways but much different in others. Sort of like a bike shop vs a crack house. They both sell things so they're the same in that way but their sales have very different results.
    Payday lenders have their place. How are people with no bank account suppose to get loans?

  40. #40
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    Quote Originally Posted by J.B. Weld View Post
    I don't think Payday is enabling anyone to buy a home.
    I was only supporting Muddy’s position that credit IS a service. Sure The check-cashing services are predatory, but I wasn’t the one to mention them. I think it’s fair to say that having credit is helpful for almost everybody that doesn’t need it and a hurdle for those who do.

  41. #41
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    Quote Originally Posted by Mudguard View Post
    How often do the notes actually change?
    Not very, Obama administration made an effort to change the $20 but the new guy put a stop to that.

    I'm curios considering the current social movement involving dishonoring(rightfully so) historical figures with certain affiliations

  42. #42
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    Well getting rid of cash will solve that dilemma. It would also be interesting to see how the black market would adapt. Be tough to explain certain transactions in a bank account if you were a drug dealer!

  43. #43
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    Can you use Apple Pay in garter belts now-a-days?
    This post is a natural product. Variances in spelling & grammar should be appreciated as part of its character & beauty.

  44. #44
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    Quote Originally Posted by chazpat View Post
    Can you use Apple Pay in garter belts now-a-days?
    I hear they prefer banana pay.

    Ba dump bum.
    Goya! It's got what plants crave. It's got electrolytes. Livin in an Idiocracy.

  45. #45
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    Quote Originally Posted by Train Wreck View Post
    Not very, Obama administration made an effort to change the $20 but the new guy put a stop to that.

    I'm curios considering the current social movement involving dishonoring(rightfully so) historical figures with certain affiliations
    Obama couldn't let the slaves off the plantation as a democrat and of course he had to try to muddy the names of any whites that helped the slaves (Amistad Case)
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  46. #46
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    Quote Originally Posted by Mudguard View Post


    Ah well I'm not in Oz
    Oops, meant NZ. The southern hemisphere confuses me, which way is clockwise down there?

    Crack houses are not legal but they're sactioned by the CIA. Good institutions profit from every conceivable angle. While I realize it's a pipe dream on a national level there are ways communities collectively pull their money for large individual purchases and interest free loans.

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  47. #47
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    Quote Originally Posted by Train Wreck View Post
    How long until they start printing money with some different faces?
    Probably just delete the face altogether like everything else these days.

    Out of cash-20200617_170601.jpg
    Quote Originally Posted by DIRTJUNKIE View Post
    some weird crazed desert dweller.

  48. #48
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    Quote Originally Posted by EugeneTheJeep View Post
    Probably just delete the face altogether like everything else these days.

    Click image for larger version. 

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    ^that's just terrible!
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  49. #49
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    Quote Originally Posted by EugeneTheJeep View Post
    Probably just delete the face altogether like everything else these days.

    Click image for larger version. 

Name:	20200617_170601.jpg 
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    Removed the Indian, kept the land.

  50. #50
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    I usually have $200-$300 cash on hand in my wallet in different denominations. When I'm looking for something I might grab a bit more. I hate using any e pay for under $5.

    I buy a lot of truck parts from Craigslist and nobody I deal with takes anything but cash. I have even found truck parts I could use in someone's yard including my truck. Cash on hand is an easy sell. Also junkyards like cash and you can haggle.

  51. #51
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    I keep cash on hand for Hookers and Blow but otherwise it's all Debit/ Credit cards.....

  52. #52
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    Quote Originally Posted by J.B. Weld View Post
    ^that's just terrible!
    ikr I loved that logo, iconic.

    Quote Originally Posted by Bacon Fat View Post
    Removed the Indian, kept the land.
    Oh snap you're right! The removal of the Indian Maiden is racist America!
    Quote Originally Posted by DIRTJUNKIE View Post
    some weird crazed desert dweller.

  53. #53
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    Quote Originally Posted by chazpat View Post
    Can you use Apple Pay in garter belts now-a-days?
    I still use cash but add in some cilantro or parsley. I like to garnish wages.
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  54. #54
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    Quote Originally Posted by DIRTJUNKIE View Post
    Cik
    [QUOTE=DIRTJUNKIE;14820459]But, whatever do you mean DJ.

    Lame ass skimmers.
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  55. #55
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    Quote Originally Posted by EugeneTheJeep View Post
    ikr I loved that logo, iconic.

    I'd never buy that butter again!
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  56. #56
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    Quote Originally Posted by J.B. Weld View Post
    I'd never buy that butter again!
    Too late It's good butter. Maybe I'll switch to Challenge Butter until they cancel Elk hunting.
    Quote Originally Posted by DIRTJUNKIE View Post
    some weird crazed desert dweller.

  57. #57
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    No more Land O Lakes boobie trick? Between that and no mo' Aunt Jemimah, who am I going to pleasure myself to in the kitchen?

    https://www.youtube.com/watch?v=-hMtQuljrj0
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  58. #58
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    Quote Originally Posted by Vader View Post
    No more Land O Lakes boobie trick?
    I know so sad, she's hot!
    Quote Originally Posted by DIRTJUNKIE View Post
    some weird crazed desert dweller.

  59. #59
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    Cash is king.
    This space intentionally left blank. We apologise for any inconvenience.

  60. #60
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    I keep $20 in the handlebar of my bikes. Two $5s and 10 $1s. You never know where you could end up or need something where just a few bucks could really help. Hell even something from a vending or soda machine could save the day.

  61. #61
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    ^I do the same with my road bike, 2 $20's.

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  62. #62
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    Quote Originally Posted by Phillbo View Post
    I keep cash on hand for Hookers and Blow but otherwise it's all Debit/ Credit cards.....
    Yep, it's tough to sniff coke with a credit card...
    This space intentionally left blank. We apologise for any inconvenience.

  63. #63
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    I almost always use a credit card, but still carry about $300 cash just in case.

  64. #64
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    Quote Originally Posted by Cornfield View Post
    Yep, it's tough to sniff coke with a credit card...
    Buddy, have you tried?
    dang

  65. #65
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    I heard both were advantageous.

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    It is no measure of health to be well adjusted to a profoundly sick society.

  66. #66
    mtbr member
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    I'm going to pay cash for an ebike.

    Otherwise, I rarely carry much cash, unless I have a reason to. And when I have it I either forget I do, or I spend it very quickly. Cash is the best way to budge funds since you can see it flying out of your pocket.

    I carry cash if I travel.

  67. #67
    mtbr member
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    I use cash for probably 90% or more of my purchases.

    Sent from my moto g(6) using Tapatalk

  68. #68
    High Desert MTBer
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    Always carry cash outside the house, sometimes inside too Good for tips, small buys etc, but mostly use debit cards for most stores and credit cards online. I have one card just for air travel, one CC for house stuff, one for medical stuff, and a couple for my business.
    Fraud protection is better for CCs, and I have often used that. Crazy amount of hacking going on right now...
    It's all Here. Now.

  69. #69
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    Quote Originally Posted by rockerc View Post
    Always carry cash outside the house, sometimes inside too Good for tips, small buys etc, but mostly use debit cards for most stores and credit cards online. I have one card just for air travel, one CC for house stuff, one for medical stuff, and a couple for my business.
    Fraud protection is better for CCs, and I have often used that. Crazy amount of hacking going on right now...
    Most those hackers are our Russian friends! Freedom isn't Free.......
    Just call me Ray

  70. #70
    Up In Smoke
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    Quote Originally Posted by Forest Rider View Post
    I'm going to pay cash for an ebike.
    Don't spend all your cash at one spot, you'll still have to pay the electric bill to charge that bad boy.

  71. #71
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    Quote Originally Posted by Radium View Post
    Most those hackers are our Russian friends! Freedom isn't Free.......
    I suppose our rulers need our info too...
    It's all Here. Now.

  72. #72
    Rabid Lana Fan
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    Quote Originally Posted by Cornfield View Post
    Cash is king.
    rOCktoberfest 2015 pt I here
    rOCktoberfest 2015 pt II here

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