Am I the only one who didn’t know we killed the Penny?

I've been using direct deposit for years. I rarely get a check, but when I do I use my banking app to upload a pic of the front and back and it's deposited by 4pm that day. The last time I got paper checks was when I got injured at work and was on temporary disability. I was able to use direct deposit for those, but I need to upload a photo of a check for my bank account using the app through the the insurance company that workman's comp was through. I'd have to pay to get checks, which I didn't want to do as I'd only use one. The checks came in the mail four it five days after they were issued, which wasn't a big deal.

Joe’s, one of the last remaining actual dive bars downtown (not just made to look like one) not only has the best bang/buck breakfast (all day) but will cash a check for a day laborer for free*.

*with the purchase of a shot. You do still get the 8oz PBR back.

I haven't written a check in almost ten years and been getting paid with direct deposit for far longer.

Far as the penny goes, The West Wing covered it 20 years ago.



Penny discussion starts at 1:30

But the answer is pretty obvious at least from this dumb ass redneck.

Illinois is the only state that takes pennies for tolls because it is the state of Lincoln and where Lincoln served in the House and whose face is on the penny so they require it to be accepted.

But I have never read the Illinois statutes so just a dumb guess.

You just described how the episode ended so BRAVO!

Sam says those exact words more or less.

Damn I miss that show. First four seasons was television at its best.

you are one paranoid MF damn

I use cash when I can and a debit card when cash is too inconvenient. No credit cards, no debts.

It's another buffer against financial emergencies. If I decide when/where my check is deposited, I decide when it can be taken, and by whom. Same reason I'm averse to autopay for my bills.

Correct.

Safe assumption you're never gonna have your brain crushed in by the gestapo cuz you bought "The Conquest Of Bread" at Barnes & Noble.

Other than the inconvenience, I'm not really seeing how any of that is different than my pay going into my bank account at 12:01 every second Friday?

The cheque ain't worth anything other than a promise until it's cash, so how it's a buffer I have no idea. The shit hits the fan, and all any of us will have for currency is our communities and reputations.

I'm with you on autopay-but damned if online banking doesn't make it a hell of a lot easier to pay my rent/power/internet when it's convenient. Best things there are it's instant and recorded.

Slightly related as we seem to be focused on how we're becoming dinosaurs in our middling years-I refuse to bank or shop by phone, and my personal phone doesn't carry a data plan.

If it's not in the account, it cannot be taken from the account. It's an emergency triage option I have reluctantly forfeited. Convenience is an insideous drug.

It can be easily lost. I'd say that that probability outweighs the risk of someone or other stealing from your account.

Oh man. I remember having to stand in line to pay my Alabama Power bill. Which I did by check of course.

Many units in the Army still have a tradition of Payday Activities. The first Friday of the month you wear your dress uniform in, get it inspected and then work a half day and then go out and pay your bills (this goes back when you weren’t allowed to wear your duty uniform in public and you paid bills in person - now it is just an excuse for a dress uniform inspection and a half day so… I’ll take it).

if it's not in the account, it's nothing but a promise. What good is it gonna do you in an emergency?

And how the hell is it going to be taken from your account? Are you under garnishment or something?

That’s a very good question.

How many people has UA stolen from that he is worried about having money in an account that can be garnished?

We are going on two plus decades now so his scams have to be long running.

Plus, he doesn't get a choice. It's not like they ask if he has his wages garnished. They don't have him send it. They contact the employer. There were plenty of times I got letters like that for my employees, and they expected me to send the money before the person being targeted got paid.
Likewise, if he didn't pay his bills, they wouldn't try to just pull out from his account. They'd turn his shit off. Or come take his car. Or something else related to what he's welching on.
Trust me, whatever "trick" he thinks he's got, it just demonstrates he doesn't really understand how any of this works.

I'm talking about automatic payments, which I also mostly forgo.

Cash itself is just a promise.

I refuse to believe you people are all manually paying every single one of your bills.

It's the "trick" of deciding who gets paid in the unlikely event I have a big unexpected expense to cover first, which you cannot do uf every bill comes out of your account automatically. Don't know why you fucktards are struggling so much with the concept.

Probably because most of us aren't in such dire financial straits that a $20 Netflix bill debited automatically can ruin us.

I definitly encourage you to gamble on favorable circumstances. Nothing can ever go wrong, sport.

So there are circumstances where you might decide not to pay someone for a service they've provided. Interesting.

Sounds like you reserve the right to operate as a "thieving shitbag" who would therefore deserve all of the calamities that such a decision warrants, according to someone I can't quite place right now.

You know, I didn't even think about that.

UA signs a contract to pay Netflix $20 on the 15th of each month.
The 15th rolls around, but he had an unexpected expense from a prostate exam not covered by his nonexistent insurance. So he decides to break the terms of his contract with Netflix because it is inconvenient to him.

I believe that makes him...a hypocrite.

If it's life or death, yes. It's nothing to do with how likely that is or how able I am to pay. Costs me nothing to put a little thought into such eventualities.

Go ahead and act like I'm robbing a bank or something. Back in reality, I'll pay whatever fees and penalties are imposed by the temporarily de-prioritized institution, and they come out ahead.

This, incidentally, is also one reason why I completely avoid debt these days.

Ah. So when it's you doing it, then you want to split hairs.
From the same guy who says anyone convicted of a violent crime, regardless of severity, age, or circumstances, should be in prison for life.

What a joke. What a hypocrite.

At the superficial level where your trifling ass does all of your thinking, sure. All of those details in your douchebaggy little fiction fall completely the fuck apart when you consider you can deactivate and reactivate those streaming accounts.

If you weren't a complete fraud hack of a troll, you would have picked something like child support payments to frame your fiction. Keep trying, sport.

You weren't taking about canceling your subscription. You were talking about making it impossible for them to take money you owe. Now who's a liar?

Why would I bring up child support? You don't have children (thank God). Maybe alimony for your child bride. It woukd explain your hostile view of no-fault divorce. And I'm 100% sure if you had to pay alimony, you'd do everything you could to hide your money to avoid it.