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NYC Businesses Must Now Take Cash

Effective November 20 the law that businesses must take cash came into effect. Businesses have had since last January to "prepare" for it.

Yesterday a chain store in the Village refused U.S. Currency, saying "We don't have a cash register." Fine for first offense in $1000.

Present your cash (no bills over $20) and if a business refuses it, call 311. Let's get those $1000 fines rolling folks!

by Village Elderreply 35510 hours ago

What business that has an actual storefront wouldn't take cash?

by Village Elderreply 1Last Saturday at 1:56 PM

And this is why Democrats lose elections.

MANY R1.

Taking cash involves at the least, a risky trip to the bank, or paying a security service to come pick it up.

The intent of the legislation is so the unbanked won’t be left behind, but that assumption is bullshit.

If you are on Chexsystem’s watchlist, then ... frankly, you did something do get there.

If you can’t open a bank account for ... reasons ... then you can get a pre-paid debit card with a minimum of fees to have your paycheck deposited to.

If you are getting paid 100% in cash, then you are evading taxes as it is, and I have no sympathy.

by Village Elderreply 2Last Saturday at 2:05 PM

I think Amazon was developing a store that wouldn't take cash.

by Village Elderreply 3Last Saturday at 2:10 PM

The unbanked? Um, okay.

Look, I wasn't claiming that businesses don't have to go to the bank, of course they do. That's business.

I simply asked what business with a storefront wouldn't take money? It's an actual question because I don't think I've ever walked into a store that didn't take money. If there is such a business, what kind of business is it?

by Village Elderreply 4Last Saturday at 2:11 PM

Didn’t mean (well maybe) to be snarky R4/OP, but taking cash these days is more trouble than it is worth, and many places now discourage it, if not outright don’t do it.

by Village Elderreply 5Last Saturday at 2:16 PM

A few storefronts with little competition (and somewhat higher prices to cover the cards fees) don’t take cash.

by Village Elderreply 6Last Saturday at 2:18 PM

I'm r4 but I'm not the OP.

I just think it's weird but what do I know?

by Village Elderreply 7Last Saturday at 2:19 PM

Taking cash during a pandemic...that makes sense.

by Village Elderreply 8Last Saturday at 2:20 PM

The argument is that poor people don't have access to plastic, yet every homeless person I see has a cellphone.

by Village Elderreply 9Last Saturday at 2:20 PM

I wonder if they've ever studied that, R8? (Of course they have, they've studied everything.)

If we stopped using cash altogether, would it slow the spread of infectious disease? It must, right?

by Village Elderreply 10Last Saturday at 2:22 PM

Poors with PHONES! OMG.

Next they'll be eating seafood!

by Village Elderreply 11Last Saturday at 2:23 PM

Not nearly as much if we wore masks and washed our hands

by Village Elderreply 12Last Saturday at 2:23 PM

Oh now don't be ridiculous R12, because FREEDUMB and MURICA.

by Village Elderreply 13Last Saturday at 2:26 PM

If the POORS can charge their phones, then they have access to electricity and are not really homeless.

by Village Elderreply 14Last Saturday at 2:28 PM

and yet you have to use the unwashed pin pad to use your debit card.

Offsite Link
by Village Elderreply 15Last Saturday at 2:37 PM

[quote]I think Amazon was developing a store that wouldn't take cash.

Amazon Go stores don't take cash. Payment is via an app on your phone linked to your Amazon account.

There's no cash register, no need to interact with employees, or self-checkout. Shoppers take the items they want and leave, and Amazon puts the charges on your credit card.

by Village Elderreply 16Last Saturday at 2:41 PM

From R15:

[quote} More than half of unbanked households cited not having enough money to keep in an account, 30 percent said they don’t trust banks and 9 percent reported banks are in an inconvenient location, according to the survey.

So 80% of these people are idiots.

I totally understand the minimum deposit requirements for the big banks, but there are many, MANY, credit unions who don’t have these requirements.

by Village Elderreply 17Last Saturday at 2:47 PM

There's a burger joint in a town nearby that won't take plastic. They send people over to a corner liquor store to use the ATM to get cash.

by Village Elderreply 18Last Saturday at 2:49 PM

Were shopkeepers using "We only take plastic" to keep the homeless from using their stores?

by Village Elderreply 19Last Saturday at 2:50 PM

R15 Surely you’ve heard of contactless payment? I’m sure that’s been an option when I’ve been in the USA.

by Village Elderreply 20Last Saturday at 2:51 PM

[quote]Present your cash (no bills over $20) and if a business refuses it,

What if I present hole and they refuse it?

by Village Elderreply 21Last Saturday at 2:52 PM

I don't know anybody who uses cash anymore, even my older relatives use cards or their phones for everything.

by Village Elderreply 22Last Saturday at 3:12 PM

[quote] banks are in an inconvenient location

You don't have to physically go to a bank to do anything anymore.

by Village Elderreply 23Last Saturday at 3:15 PM

R2 You are correct. I am damn tired of standing in line at Costco and seeing individuals take rolls of $100 bills out to pay for their purchases. I bet that over 80% of this money has never been reported as earned income. Second, it is difficult to obtain $100 bills from most ATMs, so these bills are from cashing checks or under the table payments for services provided.

I remember a few years ago in DC when I took a cab. The cabbie asked how I was planning to pay. I said with my credit card. He went crazy and said that he does not make as much money because he has to pay TAXES. TOO F'ING BAD! The employed worker in this country that receive formal paychecks (whether deposited directly or via a check) pay taxes and are paying for these cheaters through increased tax levels to fund the government. A cabbie like this cheats the system.

The US is falling behind other countries in the world in FINTECH. If you go to Asia, no one uses cash. They use FINTECH payment systems. And guess what, these countries have all experienced increases in tax revenues. No longer the CHEATERS in the system.

If any law needs to be passed, it is one that assists the poor in establishing bank accounts. The law like this in NY and SF do not address the real problem but penalize society and inhibit technology and the US becomes more like a third world country.

by Village Elderreply 24Last Saturday at 3:18 PM

R2, what a stupid thing to say. Why would this affect anyone's life since 99.9999% of businesses take cash. Who the hell doesn't have a cash register?

Republicans lose elections because they obsess over stupid shit like this. Bet you cried when Trump lost?

by Village Elderreply 25Last Saturday at 3:20 PM

R17, the stupid ones are freepers like you who say shit like "This is why Democrats lose elections" when it's a lot weirder for businesses to not take cash than it is for people to not have a bank account

by Village Elderreply 26Last Saturday at 3:23 PM

R24, people who bitch about "Democrats" and New York and San Francisco are the ones making America into a third world countries.

We should force people to have bank accounts but we can't force businesses to take cash?

by Village Elderreply 27Last Saturday at 3:24 PM

What's wrong with paying with EFTPOS/Tap?

Cash is filthy and electronic payments are much safer during a pandemic. Cash should be banned for now.

by Village Elderreply 28Last Saturday at 3:30 PM

A lot of things are filthy. Door handles are filthy - should we ban those, too?

by Village Elderreply 29Last Saturday at 3:31 PM

R28, we have enough to deal with already you tireless little troll.

We're not completely changing our monetary system right this minute but thank you so much for the caring suggestion.

by Village Elderreply 30Last Saturday at 3:33 PM

Why the [bold]FUCK[/bold] am I a troll R30???

That was the first time I've posted in this thread. Every other country has banned cash payments and have asked everyone to pay with EFTPOS/Tap because of the pandemic.

But you Americans are determined to kill as many people as you can. 204,179 new Covid infections recorded the other day.

Door handles are being disinfected regularly by cleaning crews R29. Idiot.

by Village Elderreply 31Last Saturday at 3:40 PM

Huh? It's a fucking lie that all countries have banned cash. Covid is spread through the air, you don't get it through cash. People aren't dying because of cash.

by Village Elderreply 32Last Saturday at 3:48 PM

R31, I thought you were a troll (one of our usual tedious trolls) and I see now that you are instead quite... earnest. Sorry.

Look at the numbers you cite, all quite true. Think about our refusal to believe that Covid even exists in "red" states and neighborhoods. Doctors have patients sicken and die of Covid, all the while not believing in Covid as a real and deadly virus as it kills them. People won't wear masks, won't stop partying or traveling for Thanksgiving. They won't stop holding political rallies or going on endless "coffee runs" or whatever else they're doing. And they're dying. And now you say - no more cash for you, Murica! Just stop using it because it spreads germs.

They go armed to the state house and threaten to kidnap, rape and kill the governor over not being able to go out to dinner.

Seriously now, what kind of country do you think you're talking about here?

70 million are morons or moron-adjacent.

by Village Elderreply 33Last Saturday at 3:52 PM

Paper money and coins are crawling with the virus R32. The virus can survive on cash for up to two days. Covid is spread in a number of ways including surface transfer as you well know.

I never said all countries have banned cash - just the ones who are actually attempting to deal with the pandemic and get it under control. i.e. NOT the USA.

by Village Elderreply 34Last Saturday at 3:53 PM

What will beggars do if the money they panhandle can't be used in stores?

by Village Elderreply 35Last Saturday at 3:55 PM

Lots of places won't accept checks anymore.

by Village Elderreply 36Last Saturday at 3:58 PM

It’s white ironic that the rationale behind this is that unbanked people are “black and brown” so not taking cash is “racist”

Yet the same people will call you racist if you dare suggest that black and brown people are poor.

by Village Elderreply 37Last Saturday at 4:01 PM

I loved my trip to London last year because to make every single purchase by credit card. I didn’t have to change dollars to pounds cash even once.

by Village Elderreply 38Last Saturday at 4:02 PM

^^ white was supposed to be “quite” but it’s actually a cool autocorrect because most of the people I was describing are actually woke white people

by Village Elderreply 39Last Saturday at 4:03 PM

R37 Activists have decided it’s easier to just let people be uneducated and poor than actually help. Seattle set up a municipal bank for unbanked folks. I’m sure lots of people won’t use it because of folk beliefs, but at least we tried.

by Village Elderreply 40Last Saturday at 4:05 PM

[quote]70 million are morons or moron-adjacent.

Love that R33! 100% agree with everything you say. It's sad but true and a few of those moron-adjacent knuckle draggers are posting in this thread.

America has an almost insurmountable uphill battle thanks to Dump & co politicizing it and the 70 million morons and moron-adjacents who reside in red states with their guns. Covid is so out of control in the US it is alarming to watch from afar.

Is THAT what this crazy thread is about R37? Racisim? Genuine question - how can anyone not have a bank account in 2020? How could someone operate in an electronic society without a bank account? Why can't they get one?

by Village Elderreply 41Last Saturday at 4:07 PM

There are more poor, homeless white people than any other group.

It's a move against the poor as much as it's a racist thing in areas where there's more diversity.

by Village Elderreply 42Last Saturday at 4:08 PM

[quote]That was the first time I've posted in this thread. Every other country has banned cash payments and have asked everyone to pay with EFTPOS/Tap because of the pandemic.

Americans are notoriously resistant to change. Our adaptation to tech is abysmal compared to Europe and Asia. You see evidence of it right on DL with the eldergays bitching about tech.

Sweden is one example of a cashless society. Even the ancient old people in Sweden have smartphones they use to pay for shit with. It will probably take another TWENTY years for the US to get to that.

by Village Elderreply 43Last Saturday at 4:08 PM

R31 Here in Britain the move to Chip & PIN was done by the government telling retailers they weren't forced to switch over, but anyone who still used signature verification would have to cover the cost of fraudulent transactions themselves, given how much more secure Chip & PIN is. Of course, basically all retailers switched. Can you imagine any American government actually demanding something like that of corporations?

Hell, take this law as an example. A proper solution to the unbanked would be to force all banks to offer a basic free bank account to all people. But again, that would require standing up to corporations. So you get this bullshit instead.

by Village Elderreply 44Last Saturday at 4:09 PM

I only carry fifties.

by Village Elderreply 45Last Saturday at 4:11 PM

[quote]Genuine question - how can anyone not have a bank account in 2020? How could someone operate in an electronic society without a bank account? Why can't they get one?

I posted a similar question about photo IDs (how can anyone not have a photo id in 2020?) in a couple of threads awhile back and was called a racist.

by Village Elderreply 46Last Saturday at 4:11 PM

R40, the people who bitch about "activists" are the ones who don't care about the poor

by Village Elderreply 47Last Saturday at 4:11 PM

R34, new studies show hardly anyone gets it from touching surfaces. People get it through the air. If you're going to bitch about uneducated people....

by Village Elderreply 48Last Saturday at 4:13 PM

R47 The point I’m trying to make isSF and NY could help people instead of passing dumb laws.

People who throw accusations about “not caring about the poor” usually because have no coherent argument except shaming.

by Village Elderreply 49Last Saturday at 4:14 PM

Further, R47, by allowing them to keep using cash, the poor continue to be effectively locked out of the modern economy. Smarter to set up banks and start promoting them amongst the poor.

We should be trying to lift up, not lower the bar.

by Village Elderreply 50Last Saturday at 4:18 PM

R50, a lot of people who aren't poor use cash, too.

So it's wrong to force businesses to take cash but okay to force people to pay with a credit or debit card? Conservatives are weird.

by Village Elderreply 51Last Saturday at 4:22 PM

My pot delivery service only takes cash so fuck that "no cash" thing.

Sorry.

by Village Elderreply 52Last Saturday at 4:24 PM

R49, conservatives who bitch about "evil liberal San Francisco" usually don't have a coherent argument.

Conservatives who bitch about cities passing laws and regulations didn't care about "small government" when they passed anti-gay laws.

You're also accusing people of not caring about the poor, by the way.

by Village Elderreply 53Last Saturday at 4:24 PM

I’m not bitching about evil, liberal San Francisco. I live in Seattle and WE ACTUALLY OPENED A FUCKING BANK TO HELP THE POOR. I’m complaining that SF and NY aren’t doing enough and legislating out of laziness.

you idiots who think everyone who disagrees with you is a Republican are Deplorables of a different shade. I don’t know why I think Democrats are all smart, you prove that’s wrong.

by Village Elderreply 54Last Saturday at 4:29 PM

“ You're also accusing people of not caring about the poor, by the way.”

Yes, yes I am.

by Village Elderreply 55Last Saturday at 4:32 PM

I’m waiting to hear how this law improved a poor person’s life.

by Village Elderreply 56Last Saturday at 4:33 PM

R54, you're extremely dumb but you're calling out others for that.

Hypocritical much?

You bitch about rules and regulations (like a conservative - they think laws are bad except ones they can use to punish people they don't like) but want to force people to get bank accounts. I call a spade a spade.

by Village Elderreply 57Last Saturday at 4:33 PM

It's so weird that people still use cash in this day and age.

by Village Elderreply 58Last Saturday at 4:34 PM

I don’t understand the argument that banks are not in convenient locations. I use my bank accounts regularly, sometimes even daily, but who needs to actually walk inside a bank building? The last time I set foot in a bank was, I don’t know, two or three years ago.

by Village Elderreply 59Last Saturday at 4:36 PM

Isn’t "spade" a racially insensitive epithet?

by Village Elderreply 60Last Saturday at 4:38 PM

I said that giving the poor banking options is better than a law.

I said one law was dumb, so you’ve extrapolated that I’m conservative.

“Force people to get bank accounts “ are you some kind of Idaho prepper who thinks the government is out to get them? Are you Amish? I hope you don’t work in social services, trying to keep people unbanked is a one way ticket.

People like you don’t want things to get better, you just want to bitch and judge others!

Which actually IS the point of Datalounge. So carry on.

by Village Elderreply 61Last Saturday at 4:41 PM

One way ticket to poverty, I meant to write. I wish there was edit.

by Village Elderreply 62Last Saturday at 4:42 PM

Actually, pot delivery is about the only thing I pay cash for, except maybe the Farmer's Market.

I haven't set foot in a bank in several years either. The last time was when I was nearby anyway and had just had my wallet stolen.

I think that, as with grocery stores and some other things, there are areas that become known as bank "deserts" because the banks/grocery stores/etc don't go there. They are in urban and poor areas, rural and poor areas, places where people can be stuck without access to things. In that sense it can be "racist" when those neighborhoods aren't white. It's mostly economics, they don't make as much money serving those communities so they are the first to close down when times get hard. There are no bank or grocery store "deserts" in middle-class and better neighborhoods.

Most people use cards most of the time, let's just get through this fucker and see where we end up on the other side.

by Village Elderreply 63Last Saturday at 4:45 PM

R60 must be mad at being called a conservative.

by Village Elderreply 64Last Saturday at 4:45 PM

The guy who was accusing me of being conservative used spade.

And of course I’m upset, who wants to be called conservative!

by Village Elderreply 65Last Saturday at 4:46 PM

True, R65, it's pretty damn low.

by Village Elderreply 66Last Saturday at 4:48 PM

Cannabis businesses are prohibited by law from using banking services, since federal laws govern banking and cannabis is illegal federally.

I pay cash for all business I transact in retail establishments. There are a few stores here in Long Beach that take only credit cards, and only VISA/Mastercard. No cash, no charge cards (AX), no checks. Once I learn that they do not take cash -- at check out -- I do not return.

Banks do not have retail stores in poor areas. Banks do not want poor people as clients. Can you imagine a homeless person trying to open a (no fee) checking account in a BofA or Citi branch? Further, it is not like banks give VISA/MC branded debit cards to all customers. Only people with acceptable credit get these. Poor people get, literally, a debit card that they can use only at ATMs. If they can get a major bank to open an account for them in the first place.

by Village Elderreply 67Last Saturday at 4:50 PM

R61, if I think people should have the option of paying with cash, that means I'm forcing them to be unbanked? Um, no. I think people should have options. I think people should be able to pay for things with cash or a card. You don't. You want them to ONLY use cards.

You sit and attack me for "judging" people but it's cool for you to judge me and for you to judge cities like New York and San Francisco. You accuse me of being Amish but you sound like a conservative from the red states.

by Village Elderreply 68Last Saturday at 4:50 PM

Why not just force the unbanked poor into banking accounts.

Because my all CASH piggy bank never charged me $20 dollars for being $3 overdrawn

by Village Elderreply 69Last Saturday at 4:50 PM

Demanding that all transactions are done with cards is just another way to track us, just another invasion of privacy.

by Village Elderreply 70Last Saturday at 4:52 PM

While I usually use debit or credit card for purchases, I would often prefer to pay for things such as lunch or small purchases with cash. Businesses that do not accept cash discriminate against those who don't have cards and can only pay in cash. I know several businesses that switches to card only, and I have told them that I will stop patronizing them.

by Village Elderreply 71Last Saturday at 4:52 PM

I don’t think cash is even a big COVID-19 threat. And if they’re so concerned they can easily quarantine the cash. This just makes me wonder what the real agenda is.

by Village Elderreply 72Last Saturday at 4:56 PM

R68 you’re on to me. I’m a Russian deplorable troll from a red state who wants poor people to get banked so they don’t pay outrageous fees for check cashing services and pre paid debit cards.

I agree with the poster who said banks should be forced to offer free basic bank accounts.

I also think we shouldn’t let people live in parks, we should give them homes. I don’t think allowing the poor to wallow is compassion.

But you’ve figured out I’m a red state MAGA asshole. I can’t fool you!

by Village Elderreply 73Last Saturday at 5:12 PM

[quote]Demanding that all transactions are done with cards is just another way to track us, just another invasion of privacy.

The rest of the world has been cashless for some time and everything has kept turning.

Of course Americans are so stupid and paranoid they think the black helicopters will show up at their homes any minute and whisk them away to the secret government facility under the Denver airport, where they will be subject to experimentation using alien DNA.

Anyway, carry on...

by Village Elderreply 74Last Saturday at 5:21 PM

Never mind, r73, we've had so many trolls for so long all over the internet and the datalounge that we can't tell anymore. Happens to me all the time - both sides.

So did the terms "unbanked" and "get banked" become common when this was being debated in Seattle? I'm not knocking them, I've just never heard them before.

I would think that there will always be a segment of the population who will not get banked. Some because they are crazy and their mental illness won't allow it. Others because they are crooked. Others because who the hell knows?

Here in Murica I doubt it can be forced.

by Village Elderreply 75Last Saturday at 5:21 PM

[quote] Businesses that do not accept cash discriminate against those who don't have cards and can only pay in cash. I know several businesses that switches to card only, and I have told them that I will stop patronizing them.

How old are you, 112? Get with the fucking program.

I literally do not know anyone who pays with cash anymore, including the older people I know.

by Village Elderreply 76Last Saturday at 5:22 PM

Program?

by Village Elderreply 77Last Saturday at 5:24 PM

[quote] Of course Americans are so stupid and paranoid they think the black helicopters will show up at their homes any minute and whisk them away to the secret government facility under the Denver airport, where they will be subject to experimentation using alien DNA.

Dude, that fucking JUST happened to me the other day!

And they did not take cash.

by Village Elderreply 78Last Saturday at 5:24 PM

That's hot!

Any probing R78?

by Village Elderreply 79Last Saturday at 5:27 PM

Black Ops and aliens only do Google Pay or Venmo now.

by Village Elderreply 80Last Saturday at 5:29 PM

No, R79, it's all laser shit and woo-woo space stuff.

Alas, the old alien probe days are gone...

by Village Elderreply 81Last Saturday at 5:33 PM

I hardly use cash anymore either, but I also feel like it's good to have some on hand in case of certain natural disasters or emergencies it's probably easier to get things done with cash. I'm thinking earthquakes in particular, but could also be something like a prolonged or widespread power outage.

That said I also think there is a sort of discriminatory and hassle nature to banks in the form of fees and account balance minimums. Certainly as businesses they can set whatever fees they want, but there is sometimes an attitude where some banks seem to forget that the money is not theirs. Dealing with banks it's like they are holding your money hostage. Because of that I can't really begrudge people who don't want to have anything to do with them.

by Village Elderreply 82Last Saturday at 9:03 PM

I can't get over that this is now necessary considering all the little shitty businesses in Manhattan 20 years ago that would not take card under any circumstances. They were happy to charge you $5 to use their ATM though.

And, actually, speaking of unethical NYC business practices, has the city ever addressed the practice of charging more depending on the customer? Just another reason why I hated living there.

by Village Elderreply 83Last Saturday at 9:37 PM

[quote]I only carry fifties.

I only carry sweaty one dollar bills.

by Village Elderreply 84Last Saturday at 11:31 PM

My fifties smell great.

by Village Elderreply 85Last Saturday at 11:48 PM

R4 Sweetgreen, a salad chain in NYC, doesn't take cash (or didn't). Of course, you only find out when your salad has been made and you are at the cash register. That's where they chose to post a sign instead of posting it before you order. I walked out.

by Village Elderreply 86Last Saturday at 11:51 PM

R9, they claim the phone is a gift from a relative. Same for their 65-inch TV.

by Village Elderreply 87Last Sunday at 3:14 AM

A friend is "unbanked" by choice. Pays everything with post office money orders. Doesn't want his life tracked through a bank account.

by Village Elderreply 88Last Sunday at 3:17 AM

Can a Floridian confirm that Photo ID is requited to vote?

by Village Elderreply 89Last Sunday at 3:22 AM

Why is it when anything is discussed involving poor people...

...they have the go-to R15 "rubenesque" black woman all dolled up being interviewed?

It doesn't matter what topic....food deserts, Covid fatalities, cashless store apocalypse.

by Village Elderreply 90Last Sunday at 4:24 AM

[quote]A friend is "unbanked" by choice. Pays everything with post office money orders. Doesn't want his life tracked through a bank account.

Your friend is a paranoid nutcase.

by Village Elderreply 91Last Sunday at 4:37 AM

Banks are scammy, predatory and unreliable. They don’t actually care about you and your money. You’d think people would learn after all these years, but they have short term memory.

My grandma was just scammed pretty bad by Wells Fargo. The agent made her open a new account for no reason and guess what? They were taking money out of it and using it. There have been so many scandals and yet everyone still clutches to these shitheads and lets them get off free.

by Village Elderreply 92Last Sunday at 4:43 AM

The EU requires banks to offer accounts with minimal services to everyone. They provide limited services so are less susceptible to money laundering.

Since I first heard about the EU solution to the unbanked I’ve wondered why other countries didn’t follow suit.

But I think the solution will come in the form of central bank issued digital coin which will allow governments to issue benefits without requiring recipients to open banks accounts where commercial banks can grab huge administrative fees.

Which is why you’ll see something like this implemented in the EU and UK, but never in the US

by Village Elderreply 93Last Sunday at 4:50 AM

It’s better to have direct control over your money. Period.

It’s surprising how money idiots are willing to allow third parties to control their lives.

by Village Elderreply 94Last Sunday at 4:50 AM

I'm poor. I have a bank account. I never carry cash.

by Village Elderreply 95Last Sunday at 4:52 AM

I’m well off. I have multiple bank account and credit cards. I pay cash.

by Village Elderreply 96Last Sunday at 4:54 AM

Shitty UK conservatives continue to post on American issues with no knowledge or experiences. I have no idea what banks are like for you, but in America banks are pretty shitty.

by Village Elderreply 97Last Sunday at 5:04 AM

I have multiple bank accounts and I pay cash when I’m doing errands. I have read too many stories about businesses getting hacked. My card was hacked a couple years ago and I am very strict about using bank ATMs so who knows how it happened, no one could/would say. I would _never_ use a card to pay for anything in Asia, only use bank ATMs that are _inside_ the bank. You are just begging for it to be compromised and good luck getting a replacement while you’re away, lol.

by Village Elderreply 98Last Sunday at 5:04 AM

Of course all must take cash. Those disagreeing are right-wing or libertarian.

by Village Elderreply 99Last Sunday at 5:14 AM

the beggars and street performers in China usually have a cardboard or badge with 2 QR codes printed on (one for alipay, the other for wechat pay), since most people don't use cash at all and almost certainly have no pocket change or dollar bill, the mobile payment is the only way for them to give money.

by Village Elderreply 100Last Sunday at 5:15 AM

I live in Queens, and the bigger problem here is Asian owned businesses that vastly prefer cash and so have $10 credit card minimums, even though card companies prohibit these. Typical of NYC politics to ignore shit like this.

by Village Elderreply 101Last Sunday at 5:17 AM

Is it in case the Queen visits NYC?

by Village Elderreply 102Last Sunday at 5:24 AM

I bet you will not be able to pay for a bus ride in NYC with cash.

by Village Elderreply 103Last Sunday at 5:26 AM

R101

It’s because small businesses are disproportionately hurt by the fees to process cards. I don’t know why you think the card companies should make the laws. That’s the problem - we give these companies way too much leeway and they get off abusing everyone.

by Village Elderreply 104Last Sunday at 5:30 AM

[quote]The argument is that poor people don't have access to plastic, yet every homeless person I see has a cellphone.

Yes, R7. I'm sure every single homeless person you've seen has a cell phone.

You know, organizations actually give those to them so they can have a way to call for help, contact case workers or apply for a job because you need a phone number for that. They get a few minutes for free every month. They have programs for the elderly that do that as well because pay phones aren't really "a thing" anymore and PEOPLE NEED PHONES.

It boggles my mind how people really believe the poor shouldn't have anything.

[quote]And this is why Democrats lose elections.

Oh, dear. Yes, I'm sure THAT is the reason why.

[quote]The intent of the legislation is so the unbanked won’t be left behind, but that assumption is bullshit.

You overlooked the elderly R2, many of whom, still like to use cash because they don't understand the concept of a cashless society. Even if they have bank accounts, many still like to use cash because it's tangible.

But after reading your posts I have no doubt you'll probably just call them stupid, tell them to go fuck themselves, set themselves on fire and then go straight hell while riding a diamond studded dildo.

by Village Elderreply 105Last Sunday at 5:35 AM

Do some states have laws that require banks or credit unions or other financial institutions to provide anyone with a basic bank account, free of charges?

by Village Elderreply 106Last Sunday at 5:37 AM

Lots of elderly people are terrified of tech and don't even have debit cards. I understand that, but people who are not elderly who are still using cash or writing checks is just like "what the fuck?"

by Village Elderreply 107Last Sunday at 5:37 AM

Everything but the dildo R105.

by Village Elderreply 108Last Sunday at 5:37 AM

The Magamoron trash set is strong in this thread. Stores must take cash. Limits are fine, say anything over a twenty, but trying to explain why cash must always be excepted to these stupid fucks is like trying to tell these same stupid fucks their dear leader lost the election.

by Village Elderreply 109Last Sunday at 5:41 AM

I'm wondering if you people who still pay in cash live in more rural flyover areas? Nobody on the coasts uses cash anymore except for some old people.

by Village Elderreply 110Last Sunday at 5:41 AM

I get cash every year from my family for holidays. What do you want me to do? Burn it?

by Village Elderreply 111Last Sunday at 5:42 AM

[quote] So 80% of these people are idiots.

Many are poor. When I worked in the ER at Jamaica Hospital in queens I don’t think any of them had bank accounts. They didn’t make enough to open an account & pay fees and there were no ....and I mean no....banks in their neighborhood. Going outside of their neighborhoods was dangerous. They risked getting beaten up by residents of white neighborhoods, stopped by cops & having drugs planted on them or outright killed by white cops.

by Village Elderreply 112Last Sunday at 6:00 AM

R90

Because that’s reality. Black people are by far the poorest off in this country and they disproportionately are the most negatively impacted by everything. Step into reality, sweetheart.

by Village Elderreply 113Last Sunday at 6:07 AM

There really seems to be a true unawareness of the issues of people who may not be financially solid. There are numerous reasons why people are not using banks - none of which are paranoid in nature. People with little understanding of the poor or financially unstable can't imagine that even a $10 bank fee can mean a great deal to people.

Poor people can get free phones from the government. Haven't you ever heard of people sneering at "Obama phones".

by Village Elderreply 114Last Sunday at 6:11 AM

We have an entire mall in Los Angeles that is cash free. I love going there.

by Village Elderreply 115Last Sunday at 6:12 AM

On 9/11 in NYC, electronic credit card pads didn’t work and storeowners refused personal checks. Cash only. Ever since that we’ve had cash on hand. We moved out of the city but still keep cash.

What if there’s an extended blackout in your area? How do you pay if your phone service is down & credit card systems aren’t working? Recent storms have shown us that areas can be without power for weeks & people have to stand in line waiting to charge their phones from a truck. Gas pumps don’t work when electricity is out, so charging your phone from your car will be wasting gas if you need to drive somewhere.

Another thing - in my area, white people won’t come to my house to fix things or do landscaping unless they’re going to make a minimum of $20k. It’s an expensive area and difficult to get to, as there’s only one road leading in and out. It takes forever to get to & from a job in heavy traffic. Most painting, landscaping and indoor repairs are done by illegals without bank accounts. They can afford to live here because there are local slumlords who allow 20 people to live in an old tract home or farmhouse. Many of those slum lords are related to the cops & politicians out here, so they don’t have to worry about zoning laws. If you don’t have cash, then you’ll have to pay $35k to re-shingle your house. And forget about a plumber or electrician. It’s not worth it to them to sit in traffic for a few hours. A whole lot of us bought our homes before this area became unaffordable for regular people & we can’t afford to import overpriced white men.

by Village Elderreply 116Last Sunday at 6:18 AM

There are a lot of psychotic people on this forum. Really, in other threads posters would practically advocate for rounding up the homeless and executing them. I am so disgusted and disappointed at how dark and barbaric this forum has gotten.

by Village Elderreply 117Last Sunday at 6:22 AM

I imagine OP opening up his murse and digging for pennies and nickels every time he pays for things, still owning a dial telephone and one of those old school TVs with rabbit ears.

by Village Elderreply 118Last Sunday at 6:30 AM

I suspect that those who insist on CARDS ONLY for all people living on planet earth, are those whose only source of income is their disability checks that are directed deposited by the government.

by Village Elderreply 119Last Sunday at 6:30 AM

[quote]we can’t afford to import overpriced white men.

I used to think this too, but now Rentmen.com makes it easy!

by Village Elderreply 120Last Sunday at 6:31 AM

A diner owner I know put off going to computers for servers. The IRS could demand information in the system. No way to cheat on their income.

by Village Elderreply 121Last Sunday at 6:54 AM

Some utterly bizarre posters in this thread, especially the ones who accuse anyone who has a different opinion from them of being a conservative. Ridiculously so, given conservatives wouldn't go around advocating for banks to be forced to make free basic bank accounts available to all.

And if the banks are shitty, you regulate them more to ensure they aren't. Funny how that thought didn't occur to the one throwing around accusations of being conservatives. Almost like they're projecting.

by Village Elderreply 122Last Sunday at 7:27 AM

[quote]The rest of the world has been cashless for some time and everything has kept turning.

The rest of the world has been cashless for some time?

You're an idiot who knows little about the world.

by Village Elderreply 123Last Sunday at 7:44 AM

[quote] Banks are scammy, predatory and unreliable

Use a credit union

by Village Elderreply 124Last Sunday at 7:51 AM

[quote]On 9/11 in NYC, electronic credit card pads didn’t work and storeowners refused personal checks. Cash only. Ever since that we’ve had cash on hand.

Because tech hasn't changed AT ALL in two decades.

by Village Elderreply 125Last Sunday at 8:11 AM

[quote]What if there’s an extended blackout in your area? How do you pay if your phone service is down & credit card systems aren’t working? Recent storms have shown us that areas can be without power for weeks & people have to stand in line waiting to charge their phones from a truck. Gas pumps don’t work when electricity is out, so charging your phone from your car will be wasting gas if you need to drive somewhere.

Portable solar generator kit. It's the size of a car battery and you can buy one at Wal Mart. I don't know anyone who doesn't have one of these. A godsend in a power outage, if you don't have a generator.

by Village Elderreply 126Last Sunday at 8:15 AM

[quote]I suspect that those who insist on CARDS ONLY for all people living on planet earth, are those whose only source of income is their disability checks that are directed deposited by the government.

Are you serious? Do you even live in the year 2020? I can't even remember the last time I saw anyone paying cash in a store.

by Village Elderreply 127Last Sunday at 8:17 AM

R126

No one I know “has one of these”.

by Village Elderreply 128Last Sunday at 8:25 AM

I pay with cash quite often. Who the fuck uses plastic to pay for little things? I always keep cash at home and after 9/11 I kept large sums.

I also refuse to use the money machines in taxis - something my bank actually privately agrees with.

by Village Elderreply 129Last Sunday at 8:27 AM

Dear R101, the signs you complain of were specifically allowed by The CARD Act passed by Congress in 2010 to address, among other things, the problems mentioned by R104.

by Village Elderreply 130Last Sunday at 8:30 AM

Cash. No tax.

by Village Elderreply 131Last Sunday at 8:31 AM

Somebody is doing a clumsy job of trolling

by Village Elderreply 132Last Sunday at 8:37 AM

[quote] Who the fuck uses plastic to pay for little things?

Um, pretty much everyone now. Or they use their phones.

by Village Elderreply 133Last Sunday at 8:47 AM

[quote] I don't know anyone who doesn't have one of these.

Thanks for the laugh

by Village Elderreply 134Last Sunday at 8:52 AM

Sorry r134 it's true. If you live or have a house out in the country, you should have one in your garage.

by Village Elderreply 135Last Sunday at 8:59 AM

R102, there is a sign on the Belt Parkway that reads Welcome to Queens, as you cross the city line from Brooklyn to Queens. I always think, "What about the rest of us?"

by Village Elderreply 136Last Sunday at 9:24 AM

[quote] If you live or have a house out in the country, you should have one in your garage.

I don’t know anyone who lives in a house out in the country. The vast majority of Americans live in cities or exurbs/suburbs

by Village Elderreply 137Last Sunday at 11:08 AM

How do people like R126 and so many others on this thread not suffocate in their little bubbles? You people aren't even in touch with reality at this point. It's pathetic.

by Village Elderreply 138Last Sunday at 11:25 AM

[quote]I can't even remember the last time I saw anyone paying cash in a store.

You live a very sheltered life.

by Village Elderreply 139Last Sunday at 11:31 AM

FFS r138 it's a fucking portable generator you can buy at fucking WAL MART. How is that 'living in a bubble?'

by Village Elderreply 140Last Sunday at 12:51 PM

r139 I live in a major metropolitan area.

by Village Elderreply 141Last Sunday at 12:51 PM

R140, that you even have to ask that just proves you are not even aware of the bubble you are in. And, of course you live in a major metropolitan area. Thanks for defining your bubble so clearly. I'm sure it's not in a gentrified area, either, right? It's in the "gritty" area, I'm sure.

by Village Elderreply 142Last Sunday at 1:08 PM

r142 you sound awfully defensive. These generators are ubiquitous and are available everywhere, why is that so controversial? Lots of people have them. My "bubble" is a person who lives in a major metropolitan area in the year 2020. Are you a total shut-in or what?

DL is CRAZY like this. Some piece of consumer shit that has been around for awhile, can be purchased anywhere and many people have is unheard of to so many of you. WTF?

by Village Elderreply 143Last Sunday at 1:36 PM

R143, you are so fucking obtuse it's bordering on hilarious. Your answer to why don't the poors just all go buy generators to charge their smartphones is the equivalent to let them eat cake. You are a moron.

I noticed you didn't deny living in a gentrified neighborhood. Of course. You are in a fucking bubble. When covid is all over, take a little trip to Appalachia or some of the southern border towns or to some shelters. Open your eyes a bit beyond reading The New Yorker and wearing your woke t-shirt.

by Village Elderreply 144Last Sunday at 1:45 PM

r144 there are no WAL MARTS in lower income communities? That's quite a surprise to me!

It's a stupid generator you can use in case of a power outage. Sorry your little narrative was shit on. Stop being a Luddite and join the modern world.

by Village Elderreply 145Last Sunday at 1:47 PM

Everyone who has a portable solar generator, raise your hand.

by Village Elderreply 146Last Sunday at 1:50 PM

Give it up r146. You got owned and don't like it.

by Village Elderreply 147Last Sunday at 1:51 PM

Still don’t know anyone who owns a solar powered Walmart thing.

by Village Elderreply 148Last Sunday at 1:52 PM

Like I said, R145, your being so obtuse is hilarious. Forty percent plus of Americans are food insecure. But, I'm sure right after food they have 'buy generator for smartphone so I can pay with my online account' on their list.

R147, you dolt, you're talking to more than one person.

by Village Elderreply 149Last Sunday at 1:53 PM

r149 how's the view from the cross you're hanging on?

[quote] Forty percent plus of Americans are food insecure.

Americans are overfed, if anything.

Again, you can buy generators at Wal Mart in case of a power outage. Lower income people can go there and get one.

by Village Elderreply 150Last Sunday at 1:59 PM

"Food insecure?" In America? Haha! Go to Honduras or Somalia you ignorant twat.

by Village Elderreply 151Last Sunday at 2:00 PM

"I live in a major metropolitan area." Says everything we need to know. Is this the same clueless dope who wrote: "The rest of the world has been cashless for some time "? You really should get out of "your major metropolitan area" once in a while.

by Village Elderreply 152Last Sunday at 2:06 PM

[quote]What if there’s an extended blackout in your area? How do you pay if your phone service is down & credit card systems aren’t working? Recent storms have shown us that areas can be without power for weeks & people have to stand in line waiting to charge their phones from a truck. Gas pumps don’t work when electricity is out, so charging your phone from your car will be wasting gas if you need to drive somewhere.

You think stores will even be open in an extended blackout? Cash would be pretty useless. If gas pumps aren't working you ain't driving nowhere no matter what.

[quote] If you don’t have cash, then you’ll have to pay $35k to re-shingle your house. And forget about a plumber or electrician.

If you make an appointment for service, they'll tell you they only take cash. Then you just go to the bank or the ATM.

[quote]

by Village Elderreply 153Last Sunday at 2:06 PM

[quote]"I live in a major metropolitan area." Says everything we need to know. Is this the same clueless dope who wrote: "The rest of the world has been cashless for some time "? You really should get out of "your major metropolitan area" once in a while.

The rest of the civilized world has been cashless for some time. Been to Scandinavia lately? Even Britain.

Most people live in metropolitan areas.

by Village Elderreply 154Last Sunday at 2:08 PM

R154 Once again you do not know what you are talking about. What a fool.

Offsite Link
by Village Elderreply 155Last Sunday at 2:27 PM

Fine by me!

Offsite Link
by Village Elderreply 156Last Sunday at 2:29 PM

[quote]What if there’s an extended blackout in your area? How do you pay if your phone service is down & credit card systems aren’t working? Recent storms have shown us that areas can be without power for weeks & people have to stand in line waiting to charge their phones from a truck.

Or you could fund your infrastructure properly so it's above developing world standards, which would end being weeks without power.

Such a weirdly defeatist mindset in posters on this thread. Banks MUST be shitty, infrastructure MUST be shitty, things can't ever improve, etc. No doubt these are the same kind of people who, when confronted with successful universal healthcare elsewhere, insist it won't work in the US because...it's bigger or something like that.

by Village Elderreply 157Last Sunday at 2:32 PM

R145- The point is that "the poors" are more concerned about keeping a roof over their heads and a meal on the table. They can't afford to buy a generator to heat their house or cook the food with.

by Village Elderreply 158Last Sunday at 2:33 PM

r155 that article is not truthful, for anyone who has been to those countries. Spain and Italy are not cash-majority societies, among others in Europe.

by Village Elderreply 159Last Sunday at 2:33 PM

r158 then when the power goes out they'll just have to wait for it to get turned back on, I guess.

In mainstream society, generators are pretty common.

Of course you will always be able to find some poor unfortunate souls to present as a narrative that "nobody" is doing it.

by Village Elderreply 160Last Sunday at 2:34 PM

A proper solution would require all illegals to GTFO. That's 80% of unbanked people right there.

by Village Elderreply 161Last Sunday at 2:38 PM

Do they count people on public assistance as "unbanked"? Because their benefits go onto a card.

by Village Elderreply 162Last Sunday at 2:40 PM

R45- Are your diamond shoes too tight too?

by Village Elderreply 163Last Sunday at 2:43 PM

R48- Hardly anyone gets it anyway.

by Village Elderreply 164Last Sunday at 2:44 PM

[quote] And this is why Democrats lose elections.

Anyone who uses this phrase deserves a death in a grease fire.

by Village Elderreply 165Last Sunday at 2:45 PM

[quote]A proper solution would require all illegals to GTFO. That's 80% of unbanked people right there.

Well, it's not polite to say it.

by Village Elderreply 166Last Sunday at 2:51 PM

There was a store in Amsterdam that sold American food products. It was run by two, fat, angry Dutch women who clearly loathed Americans. They made a continual fuss that the prices were 5 or 10% more if bought with a card.

by Village Elderreply 167Last Sunday at 2:53 PM

R159 Italy? You know nothing about about the country.

Offsite Link
by Village Elderreply 168Last Sunday at 2:53 PM

For those of us who don't know the American banking system and are reading from the posts in this thread - why is it so hard to open a bank account and how much are the exorbitant and unaffordable fees mentioned that you are charged for having a bank account?

What merchant service fees are you charged for credit card or debit card transactions? Can you only open a bank account if you are an American citizen? What if you are a foreigner living there for a couple of years? Do you have to have a minimum balance in your account and that's why poorer people can't have bank accounts? Don't American banks regulated to provide fee free basic bank accounts for people on welfare or are poor? What kind of ID do you need to provide to open a bank account and is that why poorer people can't open bank accounts?

So many questions. TIA.

by Village Elderreply 169Last Sunday at 3:06 PM

[quote]For those of us who don't know the American banking system and are reading from the posts in this thread - why is it so hard to open a bank account and how much are the exorbitant and unaffordable fees mentioned that you are charged for having a bank account?

It's hyperbole. Opening a bank account is easy and the fees are piddling, maybe a $5 per month service charge.

by Village Elderreply 170Last Sunday at 3:13 PM

Americans are whiny, spoiled idiots.

by Village Elderreply 171Last Sunday at 3:13 PM

r168 I'm there at least once a year. Of course business still accept cash, but digital payments are more common.

by Village Elderreply 172Last Sunday at 3:14 PM

a business cannot ban US currency in the USA. This was madness.

There was a yogurt shop that banned cash, in my city. They went out of business. Who wants to put an ice cream cone on their credit card? So stupid.

by Village Elderreply 173Last Sunday at 3:24 PM

[quote]a business cannot ban US currency in the USA

Well, they don't have to accept it. Look up legal tender.

by Village Elderreply 174Last Sunday at 3:26 PM

what did they accept bitcoin? Fucking morons.

by Village Elderreply 175Last Sunday at 3:26 PM

R172 And I have lived most of my life there. OF course more payments are being done by card...duh.... but to say that "Spain and Italy are not cash-majority societies" shows that you are talking out of your ass.

by Village Elderreply 176Last Sunday at 3:29 PM

The state of NY is requiring a pointless regulation on Mom & Pop shoots R165 that takes away money from their bottom line.

Notice the independent contractor law passed in CA? As well intentioned as it was, most people realized it was bullshit.

Taking cash is a real expense and a pain in the ass.

R173, did they go out of business because they didn’t take cash, or for other reasons? Did you run this place?

You ABSOLUTELY want to put that purchase on a credit card. Even the most basic credit cards give 1% cash back. Discover gives 1% back on debit card purchases, and their accounts are all opened and maintained on-line (via phone, desktop, or whatever).

You want to piss away your money paying cash go ahead.

by Village Elderreply 177Last Sunday at 3:29 PM

[quote]There was a yogurt shop that banned cash, in my city. They went out of business.

Well, yogurt should be banned as well.

by Village Elderreply 178Last Sunday at 3:31 PM

there is a shortage of coins (USA) supposedly. What is up with that?

by Village Elderreply 179Last Sunday at 3:31 PM

isn't taking cash basically the whole point of a business? This is so stupid. Madness.

by Village Elderreply 180Last Sunday at 3:33 PM

Taking in income is the whole part of a business R190.

Taking in that income in the shape of bills and coins, (which have to be counted, transported, and deposited - frequently in The dead of night) is a very different thing.

by Village Elderreply 181Last Sunday at 3:39 PM

okay, you should open a business and take only SOS. Ban the use of USD. Good luck with that.

by Village Elderreply 182Last Sunday at 3:45 PM

[R181] dead of night? Is there no energy system/energy grid where you are? You sound fucking ridiculous.

by Village Elderreply 183Last Sunday at 3:49 PM

When exactly, R183, do you think businesses take their cash receipts to the bank and deposit them?

It isn’t at 10 AM the next day. From both a security and cash flow perspective, it isn’t wise to let the money sit there all night. Most places make a deposit every day, at the end of the business day. They do it at an ATM or drop box. My comments had NOTHING to do with energy grids/availability.

by Village Elderreply 184Last Sunday at 3:55 PM

No, they don't, R184, you moron. It's called a safe. They need to keep cash on hand all the time. We're not talking millions here. I honestly think you're just being stupid for reaction at this point.

by Village Elderreply 185Last Sunday at 4:05 PM

[quote] Don't American banks regulated to provide fee free basic bank accounts for people on welfare or are poor?

No.

Many banks do require a minimum balance. Another issue is that if you’ve ever had a bank account closed due to overdrafts, it can be very difficult (perhaps impossible) to open another one.

by Village Elderreply 186Last Sunday at 4:11 PM

[quote] Who wants to put an ice cream cone on their credit card? So stupid.

R173 is 246 years old.

by Village Elderreply 187Last Sunday at 4:15 PM

You made my point for me R185. They need to pay for safe. They need to go through the process of holding cash. They need to do all this in order to service a minuscule of their client base. They are paying the 2-3% to VISA anyway because they won’t survive as a cash only place.

by Village Elderreply 188Last Sunday at 4:17 PM

R185 is really embarrassing himself with his cluelessness.

by Village Elderreply 189Last Sunday at 4:21 PM

[quote]Who wants to put an ice cream cone on their credit card? So stupid.

I'm convinced that many DLers haven't left the house for at least the last two decades.

by Village Elderreply 190Last Sunday at 4:29 PM

R190 And thank god for that.

by Village Elderreply 191Last Sunday at 4:33 PM

That is nothing to be proud of r191.

by Village Elderreply 192Last Sunday at 4:34 PM

R192 Well you ruined my joke. I meant thank god as in it's better they stay at home, we don't want them out in public.

by Village Elderreply 193Last Sunday at 4:35 PM

I was going to introduce payment by Smartphone into this conversation, but our elders are still frothing about debit cards (common for at least two decades) so that would probably seem like science fiction to them.

by Village Elderreply 194Last Sunday at 4:41 PM

R9, seriously? The Lifeline program has been around for decades, that's why you see all those "poor" people with cell phones. It's been around since the Regan administration, and Bush Jr. re-signed it as well in 2008 to include cell phones. Pay phones are non existent these days, how in the hell do you expect someone who is in financial distress to make emergency phone calls, schedule appointments with their doctor, keep in touch with loved ones?

by Village Elderreply 195Last Sunday at 4:44 PM

There should be a federal law that allows businesses not to accept cash. People are trying to slow down the progress to a cashless society, but it’s inevitable.

by Village Elderreply 196Last Sunday at 4:48 PM

Cashless would be nice for dry cleaners and other small businesses. My mom's classmate in university was stabbed to death by two men as she walked to her car with the day's cash from her family's dry cleaning store. They worked for her at one point, and knew that she was handling the cash for the day. During the course of their plea deal, they attested that when she was accosted, she pleaded "Why can't you just take the money: why kill me?" to which they answered, simply: "Because you know who we are."

by Village Elderreply 197Last Sunday at 4:48 PM

I rarely carry cash on me primarily because I don't drive (epilepsy), so I'm rarely in a bank or going to an ATM machine. But this "$10 minimum" crap in order to purchase something is bullshit. Small businesses should just factor the cost of accepting payment by credit cards and get over it. I work for myself, and only process payments from my clients via PayPal. I just take PayPal's fees into consideration (which are about 3%) when quoting people for my work.

You can get a prepaid debit card from Dollar Tree and add whatever amount to it you want. I would do this all the time when signing up for trials online, and I don't want them re-billing me or tacking on extra charges.

by Village Elderreply 198Last Sunday at 5:15 PM

r196 nothing truly progressive will happen in America until the Boomers are gone. Fact.

by Village Elderreply 199Last Sunday at 5:20 PM

r197 was that a Forensic Files? I remember a case very similar to that.

by Village Elderreply 200Last Sunday at 5:21 PM

Polling shows that even in the UK only 21 percent of people want a cashless society.

by Village Elderreply 201Last Sunday at 5:25 PM

R197, similar thing here. I worked as a waiter at a restaurant in the 90s that got robbed at gunpoint twice right after closing time (thankfully I wasn't there when these happened). It was an inside job, one of the dishwashers left the back door propped open, and it was his friends that robbed the place. They were total idiots though, they went straight to the bar and demanded them to empty out the register. They didn't realize that all the servers there when this happened had over a $1k or so in their pockets from sales for the evening.

by Village Elderreply 202Last Sunday at 5:28 PM

I was going to throw in that I pay for everything with my watch, R194, but eldergay heads might explode.

And I’m an eldergay, myself.

by Village Elderreply 203Last Sunday at 5:35 PM

did they take your wallet, then use your credit card? There is a thing called credit card crimes. People steal your card and then use it. Having a credit card or wallet does not protect you from crimes. Think it through...

by Village Elderreply 204Last Sunday at 5:35 PM

did they take your wallet, then use your credit card? There is a thing called credit card crimes. People steal your card and then use it. Having a credit card or wallet does not protect you from crimes. Think it through...

by Village Elderreply 205Last Sunday at 5:35 PM

One of the cutest things I ever saw was a few years ago when some kids in my neighborhood had a lemonade stand. I went to pay them with cash and one of the kids told me they took Google Pay and Venmo.

by Village Elderreply 206Last Sunday at 5:38 PM

[quote] I totally understand the minimum deposit requirements for the big banks, but there are many, MANY, credit unions who don’t have these requirements.

Not where I live. The nearest credit union is over 40 miles away

by Village Elderreply 207Last Sunday at 6:01 PM

R200, no. It was in Chicago. My mom told me about it years ago. Korean immigrant victim, went to Ewha Women’s University in Seoul.

by Village Elderreply 208Last Sunday at 7:07 PM

[quote] Another issue is that if you’ve ever had a bank account closed due to overdrafts, it can be very difficult (perhaps impossible) to open another one.

I think it takes about 7 years for it to clear from the national system if your account is closed due to overdrafts. You might be able to speed that up if you contact the original bank you had an issue with, offered to pay the overdraft -- even years later -- and explained what the situation was.

My friend worked in banking (as did I at one point but she handled this stuff.) She said the biggest problem for people is often the combination of over draft fees plus the fees some banks charge for bounced transactions It doesn't matter if you are two cents over the limit at their bank, you're going to end up being charged $25 dollars (per missed transaction) as a fee plus a daily overdraft fee of $35.00 a day until you right your account. So you could end up owing up to around crazy tons of money in a week or so in addition to, in some cases, whatever amount the bank said you were negative in the first place because occasionally they will cover your debt just once hoping that you put your money in there and right the account within 24 hours. I know the bank we worked for would remove the charges ONCE because mistakes happen (through your own fault or a company presenting an ACH payment when they shouldn't have) but after that you're screwed.

The bigger issue is if your credit card or debit card is stolen. If you get fleeced for 5K then any other bills that would have normally been paid wouldn't have been paid. So you'd have bounced checks or ACH payments left and right and maybe overdraft fees if you didn't have more than that in the one account. Yes, the bank will fix things that are absolutely not your fault but you'd have to right everything with everyone that presented a transaction to the account that didn't go through during that time and have to make sure you get the bank to wave all fees that occurred during that time which will sometimes require the bank and the party that presented a charge to your account to actually talk to each other.

[quote]My mom's classmate in university was stabbed to death by two men as she walked to her car with the day's cash from her family's dry cleaning store. They

I'm really sorry to hear about your mom's friend. That's a truly horrifying story. I can say that I do know personally at least one person and I've read about another near my location that were taken to ATMs to withdraw money from their cards at gunpoint.

If a robber wants money, they'll get it from you.

by Village Elderreply 209Last Sunday at 7:24 PM

For the questions, R169 has, and to the fucking ass toad R170.

The US is is a predatory capitalistic system. It would take far more time and effort to describe the myriad of ways this is the case, but this concerns the "un-banked".

All US banks are corrupt and have been bailed out numerous times by our federal government. This they take as an invitation to screw anyone with a pulse over given the opportunity. Bank account fraud, mortgage fraud, student loan fraud, are the main ones, but bank accounts themselves are beyond a fairly large group of people considering history, as any movement in the account warrants a fee, surcharge, monthly charge, and other ways to deplete the account.

Just last week on NPR a banking expert proposed how to do this, and it involved the banks themselves not besing greedy fucksticks for basic accounts, which of course is not their business model. I wish I could find that interview and post it. It was logical, fair, and would solve the unbanked issues we now have.

Stupid fat and grotesque rich people like the ones that deride the unbanked are the first ones to send a Mexican up a palm tree to have him trim it and PAY CASH, because he won't pay the white boy the going rate for white boy palm tree grooming. Just a note, the vast majority of palm tree trimming and landscaping is done by Mexicans on a cash-only basis. Or if they are legit, there are ways around that.

You see, Mexicans and anyone doing work on a cash basis want it that way as the banks charge you to cash a check at the bank it is drawn on. 10 bucks I believe. So there is a whole economic engine that will collapse if cash is not used, which means fat, stupid rich people will have to learn palm tree trimming, or pay the going rate, which of course they will not do.

The unbanked are hit with all manner of obstacles trying to open an account, such as credit reports, banks that are not even near them, the minimum balance, the INSANE overdraft fees, the monthly fees, and still the inability to deposit a check and have it put in their account and have it show up relatively quickly. It's a five-day hold on a check you receive I believe, and the poorest are the ones the most victimized by this practice.

This clip nicely and very accurately describes the US Banking system nested in a parasitic capitalistic society like ours.

I hope I have helped you R169.

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by Village Elderreply 210Last Sunday at 8:14 PM

Oh for fuck's sake r210 you are so full of shit. We're talking about a BASIC bank account. You certainly do not need a fucking credit report to open one. A check that is deposited clears in two business days. It used to take as long as two weeks.

[quote]as any movement in the account warrants a fee, surcharge, monthly charge, and other ways to deplete the account.

We're talking about basic deposits and withdrawals. If you use an ATM that is not your bank's yes there is a few of one or three dollars (usually) but that's it. If the account is not used x number of times in one month there's usually a fee of five dollars.

Honestly, you make a simple savings or checking account sound like the most complicated thing ever.

And this thread is not about the ills of capitalism, start another one if you want to talk about that.

by Village Elderreply 211Last Sunday at 8:24 PM

Yes, you need a credit report for a basic checking account. So everything else you say is shit.

by Village Elderreply 212Last Sunday at 8:27 PM

For you 211, Idiot.

"Even though you’re not actually applying to borrow money when you open a checking account, don’t be surprised if your bank wants to do a credit check before completing the account opening process. Banks pull credit reports to see if there’s any negative information about how you manage credit — information that indicates you could cost them money if they take you on as a customer. "

by Village Elderreply 213Last Sunday at 8:28 PM

No you do not.

by Village Elderreply 214Last Sunday at 8:29 PM

r213 that is not true. I think you might be thinking about Chexsystems, which something different. That's for people who have delinquent bank accounts due to abuse.

by Village Elderreply 215Last Sunday at 8:30 PM

R215, Chexsystems is basically a credit report, or a "hard pull" is sometimes used on you to get information from the credit reporting companies.

by Village Elderreply 216Last Sunday at 8:32 PM

It's about legal tender laws and making the economy bigger for everyone. Knee-jerk rightwingers on this thread ought to be lined up and guillotined.

by Village Elderreply 217Last Sunday at 8:33 PM

Chexsystems has nothing to do with a credit report. It is used to check whether or not a person has abandoned bank accounts that were overdrawn and never dealt with.

by Village Elderreply 218Last Sunday at 8:33 PM

r217 there are no "knee-jerk rightwingers" just people correcting your factual mistakes.

by Village Elderreply 219Last Sunday at 8:33 PM

A summary of charges for the poor unbanked that can obviously afford this.

*Sarcastic

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by Village Elderreply 220Last Sunday at 8:36 PM

R218, and has information on past credit history, but not a "hard pull" from a credit agency. Jesus, are you a VP at fucking Chase, or do you blow Jamie?

by Village Elderreply 221Last Sunday at 8:38 PM

Chexsystems is only used to check for delinquent bank accounts. Again, it is NOT a credit check. Good lord.

by Village Elderreply 222Last Sunday at 8:40 PM

[quote]A summary of charges for the poor unbanked that can obviously afford this.

I'm not seeing anything that's out of line or terrible expensive.

You're nailing yourself to your cross for "poor people" and trying to produce a narrative that has no basis in reality and is not anyone else problem.

by Village Elderreply 223Last Sunday at 8:43 PM

Nobody in the US is so poor that they can't afford basic charges of $5 per month or so on.

by Village Elderreply 224Last Sunday at 8:43 PM

Jesus R22 are you fucking dense? The Chexsystem score is used WITH a hard or soft pull on your credit report.

by Village Elderreply 225Last Sunday at 8:44 PM

There are credit unions that don't have any monthly fees.

by Village Elderreply 226Last Sunday at 8:44 PM

R224 You and the fucking MagaTRump fucker are out.

by Village Elderreply 227Last Sunday at 8:44 PM

[quote]The Chexsystem score is used WITH a hard or soft pull on your credit report.

No it's not. A fucking credit check is not required to open a bank account. Jesus.

by Village Elderreply 228Last Sunday at 8:45 PM

r227 you're not the fucking boss of Datalounge. Just because somebody posts something you don't agree with doesn't make them a fucking MAGA Trump supporter.

by Village Elderreply 229Last Sunday at 8:46 PM

A ChexSystems report examines data submitted by banks in the past five years. A report may describe banking irregularities such as check overdrafts, unsettled balances, depositing fraudulent checks, or suspicious account handling. Banks may refuse to open a new deposit account for a consumer that has a negative item reported.

by Village Elderreply 230Last Sunday at 8:48 PM

How much your little cashless world depends on an aging poor electric grid and weak electronic security.

by Village Elderreply 231Last Sunday at 9:09 PM

Cashless is going to happen, regardless.

by Village Elderreply 232Last Sunday at 9:14 PM

Banking and financial systems are already electronic, and have been for years.

by Village Elderreply 233Last Sunday at 9:15 PM

How about those airlines only taking charge for in-flight purchases?

by Village Elderreply 234Last Sunday at 9:31 PM

[quote]More than half of unbanked households cited not having enough money to keep in an account,

BULLSHIT.

by Village Elderreply 235Last Monday at 12:00 AM

And this is why R2 is white, clearly white.

Not everyone has a bank account or a debit card.

by Village Elderreply 236Last Monday at 12:19 AM

Governments must mandate retail financial institutions, as part of their licensing, to provide a basic bank account, free of charges to all applicants.

by Village Elderreply 237Last Monday at 12:32 AM

I haven't used cash since mid-March.

Haven't thought about it, haven't missed it.

by Village Elderreply 238Last Monday at 12:38 AM

I'm the same R238.

I've used it once, to pay my casual gardener, after that I have his bank details to bank transfer him when he shows up.

by Village Elderreply 239Last Monday at 12:47 AM

[quote]And this is why Democrats lose elections.

Hard-hitting and neutral political analysis from r2, who just happens to have "45" in their name.

by Village Elderreply 240Last Monday at 12:52 AM

R237, I don’t see that happening in the US.

by Village Elderreply 241Last Monday at 4:59 AM

Getting stuck behind an old person at the checkout paying in cash JFC. That's why I love self checkout, the olds are afraid to use it and often you can't pay with cash.

by Village Elderreply 242Last Monday at 5:03 AM

[quote] Getting stuck behind an old person at the checkout paying in cash JFC.

Or writing a check.

by Village Elderreply 243Last Monday at 5:18 AM

The customer should decide how they want to pay, not the store.

by Village Elderreply 244Last Monday at 5:24 AM

Fuck the customers who pay cash and write checks, this is the 21st century. They hold up the damn line for everyone else.

by Village Elderreply 245Last Monday at 5:53 AM

The Swedes have been going cashless for years.

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by Village Elderreply 246Last Monday at 6:38 AM

The Swedes are an intelligent and very practical people.

by Village Elderreply 247Last Monday at 6:55 AM

R242 this is for you.

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by Village Elderreply 248Last Monday at 7:13 AM

r248 I feel sorry for you that you actually watch that piece of shit show. God, what happened to Alan Ball?

by Village Elderreply 249Last Monday at 7:15 AM

There is no such thing as a “credit report.” The are called “consumer reports” and are governed by the FCRA (Fair Credit Reporting Act). They are pulled to review consumers’ prior financial (and other qualifying) histories to deem worthiness, for credit, insurance, rentals and other services. ChexSystems included.

And, if you are only taking home $295 a week after taxes - which is above minimum wage - a $250 minimum balance requirement, a monthly five dollar account maintenance charge and even an occasional $35 overdraft fee (far more likely if you’ve only got $295 a week and are relying on checks to pay your rent and utilities rather than using cash), chances are you’re going to end having to choose between either walking to work or not eating a couple of days a month to cover your [italic] basic [/italic] banking fees.

by Village Elderreply 250Last Monday at 7:19 AM

As long as you have criminals, drugs, prostitution, and street vendors, you need cash. Furthermore, not everyone wants every single purchase traceable, especially those in abusive relationships, where what you might think is a minor purchase, could result in a beating, or worse.

Also, everybody is responsible with expenditures, and using cash on hand is a good way to stay on budget. Cash is good for kids to learn about savings, and last I checked, the Tooth Fairy doesn’t Venmo.

by Village Elderreply 251Last Monday at 7:27 AM

R249 no one stated that they watched the show. To whom are you speaking.

The reasons the clip was posted was to show that nasty little prick who loves the self checkouts that he IS the problem, that he has created this troubled world.

by Village Elderreply 252Last Monday at 9:19 AM

[quote]The reasons the clip was posted was to show that nasty little prick who loves the self checkouts that he IS the problem, that he has created this troubled world.

WTF does loving self checkouts mean someone is a "nasty little prick?" Why do self checkouts create a "troubled world?" I swear to god I can't believe how odd and out of touch some of you are.

by Village Elderreply 253Last Monday at 9:26 AM

r250 a five dollar monthly maintenance charge isn't going to send anyone to the poorhouse. And if you don't want overdraft fees, don't overdraw you account! Actually, many banks are pretty good at working with people about their overdraft fees. It does happen to everyone sometimes.

by Village Elderreply 254Last Monday at 9:27 AM

R250 = poor

by Village Elderreply 255Last Monday at 9:30 AM

The banks are so helpful.

Bank of America will set up a balance transfer of funds from one of the depositor’s [italic] other [/italic] account (something poor people are even less likely to have) to cover overdrafts in their primary account.

Oh, and BofA only charges $12 for each transfer.

by Village Elderreply 256Last Monday at 9:37 AM

Only a moron would have an account with BoA. They are horrible. I'm relatively well-off and I would never do any banking with those fuckers.

by Village Elderreply 257Last Monday at 9:39 AM

R255, I own more in Apple stock alone than you earn in a year.

by Village Elderreply 258Last Monday at 9:40 AM

[quote] As long as you have criminals, drugs, prostitution, and street vendors, you need cash.

That’s what I was thinking too, that you have to consider the criminal nature of people who want to cash instead of electronic transactions. What are they trying to hide? It would clean some of that up by being cashless.

by Village Elderreply 259Last Monday at 9:43 AM

Seriously, why are there so many unhinged people in this thread? What about this particular thread has attracted so many crazies?

by Village Elderreply 260Last Monday at 9:44 AM

An online checking account from Capital One has no maintenance fee. I have an account there with currently less than $100 just to have a second checking account.

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by Village Elderreply 261Last Monday at 9:46 AM

R258 = poor BITCH

by Village Elderreply 262Last Monday at 9:47 AM

[quote] What about this particular thread has attracted so many crazies?

Because crazy people want to use cash.

by Village Elderreply 263Last Monday at 9:48 AM

[quote]What about this particular thread has attracted so many crazies?

Yes, those pushing for a cashless society are pretty nuts.

by Village Elderreply 264Last Monday at 9:54 AM

A cashless society is going to happen no matter what, just like print media such as newspapers and magazines will go extinct as soon as the Boomers are gone.

by Village Elderreply 265Last Monday at 9:57 AM

Wow, I can't believe how dumb and dense R253 is.

by Village Elderreply 266Last Monday at 10:19 AM

How so r266? You're reaction is quite odd.

by Village Elderreply 267Last Monday at 10:59 AM

We live in a digital age. Cash is one of the last bastions of an analogue era.

10 years from now, we won't be using cash.

by Village Elderreply 268Last Monday at 12:25 PM

The distance is irrelevant R207. I recently moved my secondary checking account from Chase (fuck them and their shitty savings APR) to a credit union in my area. I did it all online. I did not step foot (and still haven’t 6 months later) in a branch.

by Village Elderreply 269Last Monday at 2:27 PM

I meant YOUR reaction is quite odd. But I guess that comes with shut ins.

by Village Elderreply 270Last Monday at 2:42 PM

r269 we're still working on debit cards here with our dear elders. Online banking is a bit advanced.

by Village Elderreply 271Last Monday at 2:43 PM

[quote]We live in a digital age. Cash is one of the last bastions of an analogue era.

[quote]10 years from now, we won't be using cash.

All indications are that people will still be using cash.

The resistance to a cashless society is growing.

NY is only the latest state to make it a LAW that business must accept cash.

Massachusetts, NJ, Rhode Island and the cities Philadelphia, and San Fransico have made it a law that cash cannot be refused.

That list will continue to grow as other states and cities are considering such measures.

And this past September the European Court of Justice has ruled that creditors have an obligation to accept cash as a form of payment. Businesses in Europe MUST accept cash.

No matter what YOU want, cash is here to stay. Some of you are so clueless.

by Village Elderreply 272Last Monday at 3:03 PM

r272 the tide can't be turned back. When the Boomers are gone, cash will be gone.

by Village Elderreply 273Last Monday at 3:05 PM

Then, R272, explain to us WHY a business should be forced to accept cash, and the very real associated costs than come with accepting cash.

Others (including myself), have demonstrated that there are many “real” bank options available.

Even if the real bank options don’t work, there are a wide variety of pre-paid debit cards that you can deposit your check to.

Have you ever cashed your check at a check chasing place? I have. The fees they charge are 5X what the debit companies like NetSpend charge.

Putting aside all that ...

You pay $100 at your grocery store, and you use your debit card, you pay $100.

I pay $100 with my credit card, and pay $$98.50 because I get 1.5% back, and these cards are not hard to get (check Capital One).

I pay $98.50, and you pay $100. Retailers already have this baked in, so you are paying for my rewards when you pay cash.

I don’t want to sound like a jerk (too late) but people paying cash are idiots and are pissing money away.

Charging something does not mean it immediately accrues interest. If you pay your bill, in full, by the due date, you have received a interest free loan.

by Village Elderreply 274Last Monday at 3:17 PM

R274 Doll, fine. Pay as you please. No one is stopping you. I pay mostly with cards too. But the FACT is the resistance to a cashless society is growing.

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by Village Elderreply 275Last Monday at 3:27 PM

[quote]Then, [R272], explain to us WHY a business should be forced to accept cash, and the very real associated costs than come with accepting cash.

Because there are still a lot of people who are too fucking old and out of it to use other payment methods. Of course that will eventually change. The US is notorious for refusing to keep up with things. In the Scandinavian and Asian countries even the ancient old people do everything digitally now.

by Village Elderreply 276Last Monday at 3:29 PM

[quote]No matter what YOU want, cash is here to stay. Some of you are so clueless.

That is such a ridiculous statement, made by a person who is living in the past.

I rarely see any cash transactions these days. The US is going digital and paperless, just like the rest of the first world whether you like it or not. With the US I can definitely see it taking longer, however. Sweden is already basically cashless.

by Village Elderreply 277Last Monday at 3:32 PM

R277 It is NOW the LAW in Europe and a GROWING number of localities in the US: cash can NOT be refused. Got it?

R276 There are people doing menial jobs....handy men, house painters, gardeners, waiters working for tips, who depend on cash. People between jobs. They depend on cash and societies benefit to give leeway on this.

by Village Elderreply 278Last Monday at 3:36 PM

Again, NYC stores must accept cash. this was the RULING. You have to accept USD in NYC.

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by Village Elderreply 279Last Monday at 3:37 PM

[quote]That is such a ridiculous statement, made by a person who is living in the past.

No. The one living in the past is you.

The RECENT rulings in a number of places have made it a LAW that cash cannot be refused.

Do try to keep up.

by Village Elderreply 280Last Monday at 3:39 PM

[quote] It is NOW the LAW in Europe and a GROWING number of localities in the US: cash can NOT be refused. Got it?

[quote]The RECENT rulings in a number of places have made it a LAW that cash cannot be refused.

You really think this is going to stay forever? As has been said, it's to appease the olds who still use cash. When that generation is gone, cash will be too.

Nobody under the Boomer generation uses cash for anything. Just like they don't read newspapers.

by Village Elderreply 281Last Monday at 3:47 PM

[quote]It is NOW the LAW in Europe

Except it isn't. Re-read the article you posted.

by Village Elderreply 282Last Monday at 3:48 PM

And Amazon....the WORLD'S biggest retailer as reversed course:

"Amazon now accepting cash payments from U.S. customers"

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by Village Elderreply 283Last Monday at 3:48 PM

Even debit cards are going away with people under a certain age, being replaced with Smartphone payments.

by Village Elderreply 284Last Monday at 3:48 PM

All these fools who are so into being 100% cashless don’t understand that there are tons of people who don’t want to be forced into doing business with a bank. Doesn’t matter the reason, it’s their money, their choice. Why should they be forced to pay to access or move their cash if they don’t want to? We may move towards more electronic payments, but cash isn’t going anywhere.

by Village Elderreply 285Last Monday at 3:48 PM

[quote]All these fools who are so into being 100% cashless don’t understand that there are tons of people who don’t want to be forced into doing business with a bank.

Well then they're in for a world of shit when cash is gone. They'll have to adapt.

by Village Elderreply 286Last Monday at 3:50 PM

R285 And why should businesses be forced to accept their custom if they don't want to? Luddites are not a protected class.

by Village Elderreply 287Last Monday at 3:58 PM

R287 The laws being passed will ensure that people will still be able to pay in cash whether you like it or not. California will probably be next with a bill that is pending. Already the law in Berkley and San Francisco.

by Village Elderreply 288Last Monday at 4:03 PM

Again r288 the times are moving forward and cashless is going to happen. These laws are only around for the olds who still insist on using cash.

by Village Elderreply 289Last Monday at 4:05 PM

"Bipartisan Senate bill would punish retailers for refusing cash payments"

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by Village Elderreply 290Last Monday at 4:05 PM

SO fucking annoying when you're stuck in line behind someone counting out their bills - or god forbid -their change, then putting everything back in their purse or wallet. Not that it happens much anymore, but when it does you really notice it.

by Village Elderreply 291Last Monday at 4:07 PM

R288 Doesn't answer the question I asked

by Village Elderreply 292Last Monday at 4:08 PM

[quote]And why should businesses be forced to accept their custom if they don't want to?

Uh...if it's the law as it is in New York, New Jersey, Massachusetts etc....businesses have no other choice if they want to stay in business.

And whether you like it or not, list of States and Cities that make it a law prohibiting the refusal to take cash is growing.

by Village Elderreply 293Last Monday at 4:24 PM

R293 That's the best answer you can manage? Hilarious how you can't even attempt to defend the law you keep praising.

by Village Elderreply 294Last Monday at 4:28 PM

Cash is King

MasterCard is plastic

by Village Elderreply 295Last Monday at 4:36 PM

R 294 Hilarious that you can ask such a stupid question. "why should businesses be forced to accept their custom if they don't want to?" If it is the law, it is the LAW. Businesses must operate under the law. BTW: I pay mostly with cards. The only time I use cash is to tip waiters. And occasionally I use cash for small purchases like a cup of coffee. But if I were required by law to only use cards I would have no problem. But not everybody is like me.

by Village Elderreply 296Last Monday at 4:38 PM

in the USA, you accept USD. Are you a fucking moron? USD is the currency in the USA. Who is the moron against this?

by Village Elderreply 297Last Monday at 4:39 PM

r297 it's not about not accepting cash, it's about cash becoming more and more obsolete as the olds die off and younger generations pay with everything using digital.

by Village Elderreply 298Last Monday at 4:40 PM

My guess is that all businesses by law will be required to accept cash in the US. The movement is growing: "Fifty-One Groups Voice Support for Payment Choice Act"

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by Village Elderreply 299Last Monday at 4:44 PM

Lots of poverty in this thread. Ew.

by Village Elderreply 300Last Monday at 4:44 PM

Lots of poverty in this thread. Ew.

by Village Elderreply 301Last Monday at 4:44 PM

R296 If you think repeating the same thing makes you look less stupid, you're wrong.

by Village Elderreply 302Last Monday at 4:46 PM

NYC is accepting USD, in the USA. A duh. WHAT THE FUCK is this post about?

by Village Elderreply 303Last Monday at 4:47 PM

R303 There are quite a few idiots in this thread, but you really do take the cake. Not understanding the difference between dollars as a currency and dollars as cash is quite something.

by Village Elderreply 304Last Monday at 4:49 PM

[r304] what kind of cake?

by Village Elderreply 305Last Monday at 4:52 PM

[r304] what kind of cake?

by Village Elderreply 306Last Monday at 4:52 PM

Let me know r280 when you go down to your local IRS office with thousands in cash. I’d really like to know the outcome.

by Village Elderreply 307Last Monday at 5:11 PM

To think the loon Ritche Torres who pushed this dog of a bill into law now is heading to Washington, D.C. He is already on record saying such a law should be nationwide.

by Village Elderreply 308Last Monday at 5:17 PM

San Francisco, the capital of tech, bans cashless stores

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by Village Elderreply 309Last Monday at 5:18 PM

Actually ... I just thought of something. Many states distribute assistance in the form of benefit Cards. There are no longer food “stamps” really.

Should a business be forced to take card payments even if the don’t want to?

by Village Elderreply 310Last Monday at 5:18 PM

It’s not surprising that the lobbyists for criminals are able to get politicians to go along with requiring stores to take cash.

by Village Elderreply 311Last Monday at 5:21 PM

Cash is a pain in the ass, I never use it. I don't even like using cards at the checkout anymore, but prefer my phone because it only takes a second.

I recently had some work done on my house that cost $6000 and the contractor insisted on being paid in cash. Okay fine. I'm sure he only accepts cash payments because he doesn't pay taxes but whatever that's not my business. I left work early to go to a branch of my bank (I hadn't physically been in a bank in god knows how long) and when I went to withdraw the money the teller refused and called the manager over who told me that they can't let a customer withdraw that much cash without prior notice? "Prior notice? What does that mean?" I was told that I should've given them a WEEK's notice and them made an APPOINTMENT to come in. Unbelievable. I explained that the contractor was at my house and waiting for his money, this was only a one-time thing and in the unlikely event I would need to do this in the future I would follow the procedure, which until then I knew nothing about. They made an exception and let me take out the money.

by Village Elderreply 312Last Monday at 5:24 PM

I love this thread, it’s our own digital time capsule. Bookmark this thread for 2030!

by Village Elderreply 313Last Monday at 6:37 PM

[quote]The customer should decide how they want to pay, not the store.

No, the person who owns the goods should decide what is acceptable. The person who wants the goods can make an offer but the person who owns the goods should have the final say. Here are your acceptable methods of payment. You don't like it? Go somewhere else.

by Village Elderreply 314Last Monday at 7:11 PM

Who the fuck is in a physical store . . . waiting in line for fuck's sake . . . behind all these people writing checks and counting out bills.

How old are you freaks?

Brick-and-mortar stores must be a safety bwankey for you. They'll be gone as soon as you luddites die off.

by Village Elderreply 315Last Monday at 7:12 PM

r315 you don't go to grocery stores or pharmacies?

by Village Elderreply 316Last Monday at 7:15 PM

No, of course not.

by Village Elderreply 317Last Monday at 7:55 PM

R314 is part of the conservative fallacy. An economy is driven by wants not by sellers.

by Village Elderreply 318Last Monday at 8:00 PM

r317 what if you need something right away?

by Village Elderreply 319Last Monday at 8:04 PM

r315 is a parody post.

by Village Elderreply 320Last Monday at 8:07 PM

R318 If that's true then why is this law necessary? Shouldn't the economic demand from the cash-payers mean there's no need for any law?

And stop trying to label anyone who disagrees with you as a conservative, it just makes you look stupid and insecure.

by Village Elderreply 321Last Monday at 8:27 PM

R312 And that is exactly why an all-cashless society is dangerous. You couldn’t even access your hard earned money when you wanted. The bank will decide FOR YOU, if and when you can spend your own money.

Something similar happened to me. On a trip abroad, I came across a mom and pop shop in a small town that sold custom made clothing. I kept their information and recently decided to place an order. The store owner said I could send a bank transfer as payment or send the money via Western Union as they didn’t have a credit card setup. I set up the transfer (it was for $150 going to XYZ Boutique). A few days later, I get a letter from the bank saying they had launched an investigation and needed to speak to me in person about the transfer. Went down to the branch and was asked where I sent the money (duh, it says XYZ Boutique) and what the money is for (a fucking jacket). They were apologetic about the hassle, but getting questioned over a one-time transfer in such a piddly amount was ridiculous and intrusive. I told the manager I’m sure there are people laundering millions through the bank but you’re concerned over a paltry one time amount. I would have been better off taking a wad of actual cash money to the local gas station that has a Western Union counter to make the payment.

by Village Elderreply 322Last Monday at 9:13 PM

[quote] And that is exactly why an all-cashless society is dangerous. You couldn’t even access your hard earned money when you wanted. The bank will decide FOR YOU, if and when you can spend your own money.

Actually, it was the opposite. Getting cash money was a pain in the ass. A check or Venmo would've been simple.

by Village Elderreply 323Last Monday at 9:16 PM

LOL R322 really thought he was making a point there

by Village Elderreply 324Last Monday at 9:18 PM

I always thought that cash money was legal tender for all debts public and private.

by Village Elderreply 325Last Monday at 11:09 PM

R323 My point was the bank controlled access to your money, not you. Going completely cashless gives financial institutions even more control.

by Village Elderreply 326Last Monday at 11:39 PM

R324 LOL Sorry you’re such a mental midget you weren’t able to understand my point.

by Village Elderreply 327Last Monday at 11:43 PM

R326 Thinks you should keep your money under your mattress instead of in a bank.

by Village Elderreply 328Last Monday at 11:46 PM

Here's a 2019 article about the Amazon Go shops that initially did not accept cash payments.

I'm puzzled by the link at R155. R159 is right; in Italy and Spain you can spend a long time in shops of all sorts and see very few cash transactions. There are some exceptions, in a Chinese bazar or some small shops in Spain there may be a €5 minimum purchase for use of a card, though other types of shops accept the fees for small transactions as a cost of business and retaining clients. One hold-out: for tipping, cash is definitely the preferred medium.

The shopper who has to dig out a wallet and find some bills and then, elsewhere some coins? You see it very often in the U.S., and rarely in Italy or Spain, even in small towns. In both countries the governments actively push for decreased reliance upon cash as a way to curb black market money. And interpersonal and business payments rely on direct bank transfers which everyone is accustomed to: automatic payments (with no service fees) for mobile phone service, utilities, splitting the expenses for a joint holiday with friends, buying second-hand items... Paying cash is for giving your grandchild €50 at Xmas or on a birthday.

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by Village Elderreply 329Last Tuesday at 1:00 AM

Stop lying R281 it is not and 'olds' issue. I live in Berlin and it is the young who are refusing the debit card system.

by Village Elderreply 330Last Tuesday at 1:12 AM

[quote][R159] is right; in Italy and Spain you can spend a long time in shops of all sorts and see very few cash transactions.

For daily life in Italy cash is still king.

The cafe. Our daily fruit and vegetable market in the main square. Our bi weekly outdoor market that takes over the town and sells mostly clothing and household goods with hundreds of vendors. And all the small shops for bread, cheese, the butcher, the newsstand, the tabaccheria....people pay almost exclusively in cash.

by Village Elderreply 331Last Tuesday at 2:54 AM

Wow many elitist attitudes in here. Obviously know no one poor or struggle, but pretend to be on the left.

by Village Elderreply 332Last Tuesday at 5:00 AM

Oh dear! Amazon accepts cash! What will the credit card only people do?

The hostility to people that are unbanked and use cash sometimes, frequently, or all the time is nuts frankly. The only thing I could see is that somehow they feel superior since they can do something and cause others not to have that ability.

Seriously demented people who hate poor people here.

By the way, I do pay with cash. A LOT, but also pay with my Galaxy 3 watch or One Note 10 Plus phone at the checkout at times. Do you know what I do see a lot taped to the swipe machine? "NO APPLE PAY."

Stupid fucks.

by Village Elderreply 333Last Tuesday at 5:09 AM

If USPS offices could be community banks, as in other countries (Japan, etc.), we wouldn't have this problem: no one would be unbanked. Then we could move to cashless everything.

by Village Elderreply 334Last Tuesday at 5:18 AM

Oh, and also, I have been held up at the checkout zero times since the turn of the century by people writing checks. Do you want to know who holds up the line? Stupid Apple people that can't read the sign "No Apple Pay" that then are fumbling around for their card, as I just hold my Samsung watch next to the swipe machine and pay. Samsung is taken, but no Apple pay at Ralph's and many other stores. Gee, wonder why?

by Village Elderreply 335Last Tuesday at 5:26 AM

Ralph's (and all Kroger stores) and Walmart are the outliers (though the two biggest outliers).

Safeway/Albertson's, Whole Foods, Sprouts, Costco, BJ's, Cub Foods, Trader Joe's, etc. all take Apple Pay/Google Wallet so this:

[quote]but no Apple pay at Ralph's and many other stores

is an exaggeration at best.

Not only that, but Walmart and Kroger's beef isn't the technology itself, but financial and access to data.

by Village Elderreply 336Last Tuesday at 5:38 AM

R336, Don't care. All I know is that people using Apple Pay should not be able to use it as it holds up the lines when they discover they can't. See how easy that is to group things into an idiotic point of view, say like not letting people use cash?

by Village Elderreply 337Last Tuesday at 5:48 AM

For those Europeans who don’t understand world history, America has a problem with black people. Rules are made a certain way in order to keep black people from getting money or power, or even a foothold in society.

Before you get outraged, keep in mind Americans did not declare all-out war in the 1990s, committing atrocities against its next door neighbors because of their religion/ethnicity. That was Europe.

War waged in the name of ethnicity is still ongoing on in parts of Europe in post-USSR countries like Ukraine, Georgia & Armenia.

Stop pretending you can’t possibly understand inequities in society that are designed to give a leg up to a designated ethnic/racial group in an effort to keep The Other from progressing.

by Village Elderreply 338Last Tuesday at 6:02 AM

R338, Nice job!

by Village Elderreply 339Last Tuesday at 6:03 AM

But I don’t understand your banking system! I dont understand your elections! I don’t understand your politicians! I don’t understand your infrastructure! I don’t understand your health care! I don’t understand what are state powers vs federal power! I don’t understand your units of measurement! I don’t understand how your write dates! Why don’t you *just change everything* to the way we do it?

by Village Elderreply 340Last Tuesday at 6:08 AM

Two main groups moaned about cashless retail; old people and the "poor" or as Ritche Torres calls them "unbanked".

Haven't used cash and certainly coins in ages since there is really no need in NYC. Not even parking meters take cash/coins, same for laundromats (all have long since moved on to card reading machines). Highways, bridges and tunnels are toll less meaning you use an EZ-Pass or a camera takes picture of license plate and sends bill to registered owner.

This whole thing is just stupid; and yet another way city micromanages businesses which in turn continues to feed into narrative this place is one of the most unfriendly places for same.

Offsite Link
by Village Elderreply 341Last Tuesday at 7:41 AM

You gays bitch/obsess about cash only 'cause you don't have any.

by Village Elderreply 342Last Tuesday at 7:54 AM

If the government offered an incentive to low income individuals for opening bank accounts, use of cash would probably dwindle. It has nothing to do with hating the poor. I bet when EBT/food stamps moved to debit card format no one complained, if your assistance is coming in that format only you just deal with it to get your money.

by Village Elderreply 343Last Tuesday at 8:11 AM

[quote]Before you get outraged, keep in mind Americans did not declare all-out war in the 1990s, committing atrocities against its next door neighbors because of their religion/ethnicity. That was Europe.

Because Europe is a single country?

[quote]The hostility to people that are unbanked

Hilarious comment coming from someone who has no interest in actually helping them. Myself and others have repeatedly said banks should be made to offer no-cost basic bank accounts to everyone. Yet you act like this is impossible. You have no desire to help poor people, you just use them to hide behind.

by Village Elderreply 344Last Tuesday at 8:53 AM

If I’m in line ahead of you it’s my prerogative to use my Apple Pay or dig in my pocket for currency or flirt with the boxboy or write a check or get a price-check or whatever I want to hold up the queue. It’s a power thing, so fuck you with your Samsung or Google Wallet device. And I just crop-dusted the front of the line to make it memorable for you.

by Village Elderreply 345Last Tuesday at 11:59 AM

[quote]my Galaxy 3 watch

Pieces of shit, those are.

by Village Elderreply 346Last Tuesday at 12:02 PM

[quote]For those Europeans who don’t understand world history, America has a problem with black people. Rules are made a certain way in order to keep black people from getting money or power, or even a foothold in society.

Please. They can get a basic fucking bank account. Of course, blacks are children and need to be coddled according to our woke friends.

by Village Elderreply 347Last Tuesday at 12:04 PM

R343

Low income people have all sorts of issues using banks; but main one however is they cannot (or will not) keep enough in account to satisfy monthly minimum balance requirements. So they get hit with fees each month for that alone.

Other issue is far too many poor treat bank accounts like check cashing places. Their pay is deposited on Friday and account is virtually empty by same time next week.

Finally these people just don't understand (or don't want to) how banking system works. They write checks when money isn't in account, or use ATM/debit card to make withdrawals even though a check written hasn't cleared their account. Result is bounced checks and accounts overdrawn constantly. This is where they start to run game....

Stood in line once behind this person who was arguing with teller...

Customer: I want to deposit my paycheck and get cash back..

Teller: Your account is overdrawn and I cannot do that; you have to deposit check and wait for it to clear....

Customer: But they are going to take that overdrawn amount out of my check.....

Teller: Yes, they will you will have the balance remaining (if any).

Customer: But I NEED all my money! Why can't you deposit this check and not take out the overdraft?

Teller: Ma'am it's not me; you owe the bank money....

Customer: This is some motherfucking bullshit. Get me a manager.......

Happily another teller opened up so was able to get my business done; but still could hear that customer's big mouth.

Apparently fully knowing her account was already overdrawn she wrote more checks that were going to hit account that day or next and needed every penny to cover. Supervisor of teller, branch manager all told her same thing; "NO". Check must be deposited and clear...

In end so many of these people end up accounts closed for cause and reported to ChexSystems. They are better off just using a check cashing place or something; less drama all way around.

by Village Elderreply 348Last Tuesday at 12:19 PM

r348 you can't fix stupid.

by Village Elderreply 349Last Tuesday at 12:20 PM

Agreed R199. I was hoping Covid would speed things up.

by Village Elderreply 350Last Tuesday at 2:45 PM

[quote] Because Europe is a single country?

Europe sat on its ass & let people get slaughtered in the 90s. America had to come in and finish yet another European war

by Village Elderreply 351Last Tuesday at 4:44 PM

In case you were wondering which side was the insane bunch of fucking assholes cut off from reality, just look at R350.

by Village Elderreply 352Last Tuesday at 4:56 PM

[quote]Europe sat on its ass & let people get slaughtered in the 90s. America had to come in and finish yet another European war

America didn't intervene in the Bosnian conflict.

by Village Elderreply 353Last Tuesday at 5:53 PM

[quote]is part of the conservative fallacy. An economy is driven by wants not by sellers

No, supporting printing of more bills and not being able to track purchases would be conservative.

We need less paper usage and more accountibility.

The dinosaurs who keep their savings under a floorboard can get fucked.

If you can't get a bank account then you are lying.

If you don't have anything to hide then you can use a debit card or credit card.

by Village Elderreply 35411 hours ago

R354 You're wrong. Every city and state that wisely requires businesses to accept cash is run by Dems. Berkley and SF are about as liberal as you can get. The one who can get fucked is you.

by Village Elderreply 35510 hours ago
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