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10-26-2008, 12:40 PM | #46 | |
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A bit obscure too... if you don't know "dime" is 1/10 of a dollar. BOb |
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10-26-2008, 05:05 PM | #47 |
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I'm a weird American. I don't use cash at all. All my money is on a debit (not credit) card and I never carry more than $20 in cash and almost never any change. And I spend most of my summers in the Toronto area and what I notice isn't the coins, it's the habit I've picked up myself. Most don't even carry cash, they use a debit card. I've got a credit union as well, and while they don't charge to take coins, they won't take them at the counters. You dump them into a nice little machine that counts it and gives you a slip.
Want to really solve issue of not using paper money, use a debit card. NOT a credit card. Those things are just asking for trouble. |
10-26-2008, 06:21 PM | #48 | |
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I know someone who refuses to use their check register. Claims she can always see where she is online........true, except that sometimes she doesn't have internet access, and sometimes, hair salons and restaurants will put a temp higher charge than the actual charge until the debit clears which can be up to 4 business days. When her account is very low, which is often, this can make the difference between a balanced account and overdraft. Then she blames the bank. |
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10-26-2008, 08:16 PM | #49 | |
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Remember, Credit doesn't ask for trouble - stupid people who don't know/are irresponsible with credit ask for trouble. |
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10-26-2008, 08:21 PM | #50 | |
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BOb |
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10-26-2008, 08:30 PM | #51 |
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I use just the debit (or a pre paid debit online) it's not a security thing for me, I spend enough online and using online buying that it's kind of pointless to worry about my info. I don't care for credit cards mainly because the interest rates are so high, and if you haven't got the most fantastic credit score, like mine, then the debit works better. As for not knowing how much etc, I can almost always get internet or at least use my cell phone to check my balances on either card. My whole thing is I'm an odd female who hates purses. Why carry a purse when it takes up much needed gadget space in my pockets and backpack? Or worse, heavy change?
I do agree credit, if used well, is a powerful tool. But the facts are, that those of us who don't have bad credit, still get turned down for decent cards. And the last one offered had around 19% interest so I figured I'd pass |
10-26-2008, 09:05 PM | #52 | |
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But getting back on topic back when I had Wachovia anytime I used my debit card I would get an entire dollar put into a special higher-yield (though that still can't touch my current 2.75% ING) savings account. That was one thing I loved about Wachovia, much better then BofA's keep the change program. |
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10-27-2008, 12:24 AM | #53 | |
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10-27-2008, 09:33 AM | #54 | |
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But, whatever works for you. I agree cash is a hassle. I don't like places that don't accept the card. BOb |
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10-27-2008, 02:13 PM | #55 | |
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