2,041 posts
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Cash
Apr 15, 2019 15:17:24 GMT
Post by 49thand8th on Apr 15, 2019 15:17:24 GMT
We are zombies, shuffling dead-eyed into 100% reliance on technology which will scoop us up, tip us into its jaws and grind us to a sludgy pulp before spitting us out into a spatter of pavement gloop. Ah well, you've got to laugh. OK, OK, I enjoyed The Veldt too, but...
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999 posts
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Apr 15, 2019 15:29:43 GMT
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Post by Backdrifter on Apr 15, 2019 15:29:43 GMT
We are zombies, shuffling dead-eyed into 100% reliance on technology which will scoop us up, tip us into its jaws and grind us to a sludgy pulp before spitting us out into a spatter of pavement gloop. Ah well, you've got to laugh. OK, OK, I enjoyed The Veldt too, but... 😄 I didn't know what you meant so looked it up. Excellent!
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Post by 49thand8th on Apr 15, 2019 15:53:55 GMT
There Will Come Soft Rains is a good argument against smart homes, too.
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Post by nick on Apr 15, 2019 16:32:00 GMT
Also I find it very attractive in that it would stop cash a lot of crimes, backhanders and also will make tax avoidance and tax evasion impossible. But hasn't cashless transactions created many new crimes? Big news about the TSB (I think) agreeing to compensate people who have been scammed to give away details so their bank accounts are drained. And on a smaller scale, I found a contactless card on the street and could have gone around spending £29 in a variety of shops until the card was stopped. (FYI I posted it back to the bank). BTW it is still possible for both backhanders and tax avoidance/evasion - using an offshore cashless system (like Paypal) is the way to go. Or Bitcoin if you're brave. On the other hand shops like contactless. There's a fair number of places that only accept cards now. That's because it costs business to deposit cash so the card charges are offset by this and the time saved having to count up at the end of the day and go to the bank. I like cashless but I hope cash stays around. They each have their strengths and weaknesses. However I'd remove copper tomorrow. Of no use at all. And I'd love to see the back of the £3.99 etc prices.
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7,488 posts
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Apr 15, 2019 17:08:40 GMT
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Post by alece10 on Apr 15, 2019 17:08:40 GMT
One thing that has pushed people towards paying by cards is the closure of high street banks and of cash points. I have heard of shops only taking card payments as there is no bank in the town to bank the cash. The town my dad lives in now doesn't have a bank and the nearest branch is a 40 minute drive. There is a mobile bank but only there for 30 minutes once a week.
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1,903 posts
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Post by sf on Apr 15, 2019 17:12:52 GMT
We are zombies, shuffling dead-eyed into 100% reliance on technology which will scoop us up, tip us into its jaws and grind us to a sludgy pulp before spitting us out into a spatter of pavement gloop. Ah well, you've got to laugh.
Well, yes.
I use contactless cards too, more than I use cash - but if you want a good argument against a society going completely cashless, read The Handmaid's Tale.
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Post by theglenbucklaird on Apr 15, 2019 17:16:01 GMT
2) Tips when I've had a meal. Some PIN Entry Devices allow the addition of a gratuity, but if they don't I have to use cash. Another good reason for cash in this instance, as you can be sure it goes to the waiter or server. If you add it to the bill paying by card it is likely to just go into the boss's pocket rather than the waiter Cash for homeless donations and pubs. 'One for yourself' in pubs
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349 posts
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Apr 15, 2019 17:54:30 GMT
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Post by kimbahorel on Apr 15, 2019 17:54:30 GMT
Because of certain situation I can't at the moment or have I ever had a debit or credit card. Not even the pre-pay tourist type that you just load up and go?
I don't know where or how to get one. I have searched but you either need ID or have to pay for it online which I of course can't do.
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3,926 posts
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Apr 15, 2019 18:14:43 GMT
Post by Dawnstar on Apr 15, 2019 18:14:43 GMT
Oh, I'd say roughly the same number as those who have touched the card machine keypad before it's your turn.🤮🤮 When you are out and about in public do you wear disposable gloves and carry disinfectant with you, while wearing a surgical mask, to avoid all the germs, dirt, skin flakes, mites, snot, phlegm, urine and other bodily fluids that exist on every single object and surface you come into contact with and inhale with every breath?! I always wear gloves when I'm out and about. When I get money out of a cash point I use an old receipt or some other bit of paper so I don't have to touch the keypad or touchscreen. Contactless is great - as are automatic taps! All the supermarkets installing self checkouts is nightmare as they won't work unless you have bare skin.
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6,274 posts
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Apr 15, 2019 18:16:00 GMT
Post by Jon on Apr 15, 2019 18:16:00 GMT
I wonder if they'll be a time when entertainment venues like the theatre or concert venues become cash free.
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999 posts
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Apr 15, 2019 18:53:34 GMT
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Post by Backdrifter on Apr 15, 2019 18:53:34 GMT
if you want a good argument against a society going completely cashless, read The Handmaid's Tale. Mrs B watched the TV series and is now reading the book. I'll nab it after she's read it. All the supermarkets installing self checkouts is nightmare as they won't work unless you have bare skin. I can't think why that is, I must be missing something.
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Post by 49thand8th on Apr 16, 2019 17:13:29 GMT
From January 2018 (I've long been an admirer of Mikki Kendall's work): www.baltimoresun.com/news/opinion/oped/bs-ed-op-0107-cashless-society-20180103-story.html"Doing away with cash may indeed sound appealing. Proponents often note that China and India have already gone further in this direction than the United States. But a few drawbacks are obvious: Card companies such as Visa charge merchants high processing fees, the risk of fraud balances out the lower risk of theft, older customers may not wish to make the change, and consumers will lose yet more privacy. (Corporations will have the ability to track every purchase made.)"
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3,926 posts
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Apr 16, 2019 18:21:42 GMT
Post by Dawnstar on Apr 16, 2019 18:21:42 GMT
All the supermarkets installing self checkouts is nightmare as they won't work unless you have bare skin. I carry anti-viral / anti bacterial spray. If I have to use a touch-screen with a bare finger, I spray that on first. The liquid helps the connection anyway. After use, another spray. I think I'll stick to telling the shop assistants that I have OCD, I'm not prepared to take off my gloves & can they please either serve me at a proper till or deal with the touch screen for me. It usually works.
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999 posts
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Apr 16, 2019 18:56:56 GMT
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Post by Backdrifter on Apr 16, 2019 18:56:56 GMT
I carry anti-viral / anti bacterial spray. If I have to use a touch-screen with a bare finger, I spray that on first. The liquid helps the connection anyway. After use, another spray. I think I'll stick to telling the shop assistants that I have OCD, I'm not prepared to take off my gloves & can they please either serve me at a proper till or deal with the touch screen for me. It usually works. Don't those rubbery blobs on the ends of pens people use for phones work?
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3,926 posts
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Apr 16, 2019 19:40:10 GMT
Post by Dawnstar on Apr 16, 2019 19:40:10 GMT
Don't those rubbery blobs on the ends of pens people use for phones work? I never thought of that. I will have to investigate...
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Apr 16, 2019 19:43:04 GMT
Post by Deleted on Apr 16, 2019 19:43:04 GMT
I still prefer to pay cash for smaller things but will use debit card for larger items and online purchases of course. I detest booking fees so will always try to pay cash if there it is cheaper that way for theatre/musicals and concerts etc.
Also I think that the daily cash dispenser limit needs to be at least doubled it was £500 back in early 2000's but got taken down to a measly £300 due to card fraud. If you were going to the races or a casino and needed cash how do you get it?
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2,041 posts
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Post by 49thand8th on Apr 16, 2019 21:15:58 GMT
Don't those rubbery blobs on the ends of pens people use for phones work? I never thought of that. I will have to investigate... Also, gloves made for texting.
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2,041 posts
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Apr 16, 2019 21:16:20 GMT
Post by 49thand8th on Apr 16, 2019 21:16:20 GMT
Also I think that the daily cash dispenser limit needs to be at least doubled it was £500 back in early 2000's but got taken down to a measly £300 due to card fraud. If you were going to the races or a casino and needed cash how do you get it? Plan ahead for a week.
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1,860 posts
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Apr 16, 2019 22:01:32 GMT
Post by distantcousin on Apr 16, 2019 22:01:32 GMT
I would not pay by card for anything less than £5 - utterly ridiculous.
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1,860 posts
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Apr 16, 2019 22:02:47 GMT
Post by distantcousin on Apr 16, 2019 22:02:47 GMT
Oh, I'd say roughly the same number as those who have touched the card machine keypad before it's your turn.🤮🤮 When you are out and about in public do you wear disposable gloves and carry disinfectant with you, while wearing a surgical mask, to avoid all the germs, dirt, skin flakes, mites, snot, phlegm, urine and other bodily fluids that exist on every single object and surface you come into contact with and inhale with every breath?! I always wear gloves when I'm out and about. When I get money out of a cash point I use an old receipt or some other bit of paper so I don't have to touch the keypad or touchscreen. Contactless is great - as are automatic taps! All the supermarkets installing self checkouts is nightmare as they won't work unless you have bare skin.
Do you have a condition?
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3,926 posts
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Apr 17, 2019 7:22:51 GMT
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Post by Dawnstar on Apr 17, 2019 7:22:51 GMT
Yes. OCD & Asperger's.
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Post by n1david on Apr 17, 2019 7:32:44 GMT
I would not pay by card for anything less than £5 - utterly ridiculous. With contactless it's faster than cash, so I've changed my behaviour over the last few years. I used to get grumpy at people in pubs paying by card when they had to go through the whole PIN rigmarole, but not any more. Maybe if you know that (for example) a programme is £5, and you have a £5 note, that will be just as fast, but buy a selection of small items in a supermarket that comes to, say, £3.86, you're almost certainly slower either finding the right money or waiting for change than just tapping the card.
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4,361 posts
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Apr 17, 2019 7:38:43 GMT
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viserys likes this
Post by shady23 on Apr 17, 2019 7:38:43 GMT
I always try to bring cast on nights out so I have some idea of what I'm spending otherwise I end up spending so much more than I had hoped.
Contact less in most bars now just makes it too easy for me to overspend.
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Apr 17, 2019 8:10:36 GMT
Post by Deleted on Apr 17, 2019 8:10:36 GMT
I would not pay by card for anything less than £5 - utterly ridiculous. With contactless it's faster than cash, so I've changed my behaviour over the last few years. I used to get grumpy at people in pubs paying by card when they had to go through the whole PIN rigmarole, but not any more. Maybe if you know that (for example) a programme is £5, and you have a £5 note, that will be just as fast, but buy a selection of small items in a supermarket that comes to, say, £3.86, you're almost certainly slower either finding the right money or waiting for change than just tapping the card. Exactly. Sometimes (as a random example) I'm buying my lunch, and supplies for work in the local supermarket. Work is cash from the petty cash and take a fair bit of faffing with collecting change, getting receipt etc. So then my £3 meal deal being one 'beep' with a card is far far quicker. And anyway, while as above I do use cash for small amounts fairly often, actually 'under £5' isn't stupid or a waste of time, it's actually also a handy tracker of spending because it's already itemised in your account (or if you're super fancy an app you use). Being a true Millenial I also, shock horror use my phone to pay as well. Which is as handy a back up as cash should one forget a wallet or be out of cash (obviously yes phones run out of battery etc but it's still a handy back up!)
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Post by jamb0r on Apr 17, 2019 8:14:10 GMT
I would not pay by card for anything less than £5 - utterly ridiculous. What’s utterly ridiculous is having to carry around a load of bits of random dirty metals and hand to shopkeepers like it’s medieval times with the hope that I might have enough of these metals to make the transaction. And if I don’t have enough, having to turn some of my notes into MORE dirty metal that I have to carry around until the next time I try and buy something. Alternatively I could just tap my phone (which is usually already in my hand anyway) on a reader for a split second and not have to worry about anything else, while all the time earning reward points which I turn into cash back to spend on theatre tickets 😀
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Post by clair on Apr 17, 2019 8:35:19 GMT
I find it easier to budget with cash - that's what I have and I can't overspend, far too easy to forget a contactless transaction. Don't get me started on the idiots getting on the bus to pay with their phone but then the phone isn't fully connected to wifi (but it was at home, they say) and the bus just sits there while I'm trying to get to work.
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Post by Deleted on Apr 17, 2019 9:19:29 GMT
People I know will often say that they prefer to spend cash because that way they feel like they're actually spending money, whereas spending on card doesn't feel like spending money at all so they spend more than they really want to. Making cash payments forces them to keep track of what they're spending and if they really want to spend it. But I'm the other way round; if I'm spending money on my card, I know my bank is keeping a record of my purchases, but once I've taken cash out of the machine, it's accounted for as a withdrawal with my bank and after that point it's basically free money in that I can spend it on anything without leaving any sort of record behind. So if I want a cheeky burger or a milkshake that I know I shouldn't *really* have and I have no cash, then I'll refrain, but if I have the coin for it, then I'm going to put SO MUCH secret junk food in my face! Also I try to walk everywhere in my home town, because it's not that big, but again, if I've got the cash, I'm going to treat myself to a sneaky bus ride and then that's forty minutes less exercise I'll do that day.
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Apr 17, 2019 9:35:47 GMT
Post by Deleted on Apr 17, 2019 9:35:47 GMT
I would not pay by card for anything less than £5 - utterly ridiculous. Fully agree, a real annoyance when someone pulls out a card to pay for a couple of small items but contactless payments have made this quicker.
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4,038 posts
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Apr 17, 2019 9:58:20 GMT
Post by kathryn on Apr 17, 2019 9:58:20 GMT
At food markets and small shops when it's a small amount I sometimes ask whether cash or card is better for them - it's surprising how often they prefer a card!
Always worth asking it on bank holidays as they may be struggling to make change.
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342 posts
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Apr 17, 2019 10:33:42 GMT
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Post by sophizoey on Apr 17, 2019 10:33:42 GMT
I'm a young person (20) and pay for literally everything on card, however I don't have contactless. If I'm going somewhere on a bus I usually have to add 5 minutes onto my walk to the bus stop to get cash out, I don't like having cash on me, having more than £10 cash makes me feel very vulnerable. I use cash for buses, nights out and very little else. While I don't have contactless I do have Google pay set up on my phone for those tiny payments (I used to use this for the bus until I got a new phone which currently doesn't work)
I like the idea of a cashless system, however I know it's unrealistic for many years to come. As it stands my bank don't even issue contactless cards as standard.
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