why I won't buy a k3 (Warning: Satire Thread)

jeallen01 · 09-24-2018, 03:07 AM

Originally posted by Racer X 69

I still sit down each month and pay all my bills the old fashioned way, with my checkbook.
..

Cheques ("checks"!) have gone almost totally "out of fashion" here, and many, many companies won't accept them any more - only electronic payments by card or on-line.
Pretty much the only times I use them nowadays are to pay my government tax bills and the guy who services our c/h boiler once a year!

**savoche** · 09-24-2018, 03:36 AM

Originally posted by jeallen01

Cheques ("checks"!) have gone almost totally "out of fashion" here, and many, many companies won't accept them any more - only electronic payments by card or on-line.
Pretty much the only times I use them nowadays are to pay my government tax bills and the guy who services our c/h boiler once a year!

I can't remember the last time I saw one. Must be at least 20 years.

I did a quick search on the web and can't find any banks admitting to still issuing them, but I did find one that has a price list that includes the price for redeeming a cheque - about US$7. If it's the same on your side of the North Sea I guess we know why companies refuse to accept them.

robtcorl · 09-24-2018, 05:36 AM - **1 Like**

I do some online bill paying, but Mrs Bob handles most payments and only writes checks.
She likes her paper statements too.

robtcorl · 09-24-2018, 05:45 AM - **3 Likes**

Still battling this stupid cold, it's a week old today, but finally fading.
Last night's shrimp on the barbie:

RoxnDox · 09-24-2018, 11:56 AM

Originally posted by robtcorl

I do some online bill paying, but Mrs Bob handles most payments and only writes checks.
She likes her paper statements too.

We do about half online, half paper for paying bills. And we do keep paper statements for all bills & accounts.

**savoche** · 09-24-2018, 12:36 PM

I hate it when someone on occasion sends me an invoice on paper. Or even on email, even if it's a bit less of a hassle when one can copy and paste the details. Thankfully most of the bills are fully electronic. No missed payments, always paid on the date.

I did keep paper copies of most things up until some years ago (ok, maybe ten years, grumble...). Not anymore. It wouldn't make any difference anyway. The computers own us. Totally.

**savoche** · 09-24-2018, 12:44 PM - **3 Likes**

Heck, I even used to carry cash. Stopped that, too, some years ago - but definitely less than ten! I think... Anyway, now it's plastic all the way. Or paying with the phone, even if I don't see the point of it. It's like having a huge battery dependent cc... I don't want my bus pass on the phone, either, as long as I have a choice. It's just too "smart".

Then again, some will use their phones for everything. Don't they have teeth?

bertwert · 09-24-2018, 12:50 PM - **2 Likes**

Originally posted by savoche

I even used to carry cash.

I carry cash for thrift stores.

MarkJerling · 09-24-2018, 01:15 PM - **1 Like**

Originally posted by savoche

I can't remember the last time I saw one. Must be at least 20 years.

I did a quick search on the web and can't find any banks admitting to still issuing them, but I did find one that has a price list that includes the price for redeeming a cheque - about US$7. If it's the same on your side of the North Sea I guess we know why companies refuse to accept them.

Virtually dead here too. Banks still issue chequebooks on some accounts, mostly business accounts. But most everyone does electronic banking here. I predict that cheques will be a thing of the past here in another 5 years.
Already almost as dead as the fax machine.

**gaweidert** · 09-24-2018, 01:16 PM - **3 Likes**

Originally posted by jeallen01

Cheques ("checks"!) have gone almost totally "out of fashion" here, and many, many companies won't accept them any more - only electronic payments by card or on-line.
Pretty much the only times I use them nowadays are to pay my government tax bills and the guy who services our c/h boiler once a year!

I still use checks (cheques). Whenever a company wants to convert me over I tell them that I will do it when they issue me a binding contract assuming full responsibility for any financial damages I incur when their system is hacked and my accounts affected. They also have to assume responsibility for correcting the issue and getting my credit rating restored.

I have been the victim of ID theft three times including once where the bank I use was hacked and my checking account drained of over $1,200. The bank made it good, but froze my account until a new ATM card could be issued. I was on the road at the time and the only way I found out was that my card would not work and I called the bank to see what was up.

I also pay cash for a lot. Kind of sad when you see a young cashier not being able to count out 93 cents in change and just giving me a dollar instead.

MarkJerling · 09-24-2018, 01:19 PM

Originally posted by savoche

I hate it when someone on occasion sends me an invoice on paper. Or even on email, even if it's a bit less of a hassle when one can copy and paste the details. Thankfully most of the bills are fully electronic. No missed payments, always paid on the date.

I did keep paper copies of most things up until some years ago (ok, maybe ten years, grumble...). Not anymore. It wouldn't make any difference anyway. The computers own us. Totally.

I've gone paperless at work. All payments and income is electronic and there are no paper invoices. I use the Xero online accounting system, so that's completely paperless too.
Annie still keeps a paper file at home for home bills.

robtcorl · 09-24-2018, 01:21 PM - **2 Likes**

Originally posted by bertwert

I carry cash for thrift stores.

You're buying thrift stores?
I'm impressed!

robtcorl · 09-24-2018, 01:24 PM

I always have a few dollars in my wallet, anywhere from 10 to 50, but do use my debit card most of the time.

dbs · 09-24-2018, 02:51 PM - **3 Likes**

Cards for convenience is ok....but
I don't like filling the pockets of the banks....so
Cash for most of my dealings.
Over here the banks have a surcharge on every transaction you make with a card
And I can buy more BACON that way

Dave

Racer X 69 · 09-24-2018, 05:16 PM - **1 Like**

Originally posted by savoche

Then again, some will use their phones for everything. Don't they have teeth?

Hey!

That guy's phone is trying to eat his beer!

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09-24-2018, 03:07 AM	#57706
jeallen01 Pentaxian Join Date: May 2008 Location: London, UK Posts: 1,697	Originally posted by Racer X 69 I still sit down each month and pay all my bills the old fashioned way, with my checkbook. .. Cheques ("checks"!) have gone almost totally "out of fashion" here, and many, many companies won't accept them any more - only electronic payments by card or on-line. Pretty much the only times I use them nowadays are to pay my government tax bills and the guy who services our c/h boiler once a year!

09-24-2018, 03:36 AM	#57707
savoche Master of the obvious Join Date: Jun 2011 Location: Lowlands of Norway Posts: 18,311	Originally posted by jeallen01 Cheques ("checks"!) have gone almost totally "out of fashion" here, and many, many companies won't accept them any more - only electronic payments by card or on-line. Pretty much the only times I use them nowadays are to pay my government tax bills and the guy who services our c/h boiler once a year! I can't remember the last time I saw one. Must be at least 20 years. I did a quick search on the web and can't find any banks admitting to still issuing them, but I did find one that has a price list that includes the price for redeeming a cheque - about US$7. If it's the same on your side of the North Sea I guess we know why companies refuse to accept them.

09-24-2018, 05:36 AM - 1 Like	#57708
robtcorl Veteran Member Join Date: Feb 2011 Location: St Louis, MO Photos: Gallery Posts: 11,606	I do some online bill paying, but Mrs Bob handles most payments and only writes checks. She likes her paper statements too.

09-24-2018, 05:45 AM - 3 Likes	#57709
robtcorl Veteran Member Join Date: Feb 2011 Location: St Louis, MO Photos: Gallery Posts: 11,606	Still battling this stupid cold, it's a week old today, but finally fading. Last night's shrimp on the barbie:

09-24-2018, 11:56 AM	#57710
RoxnDox Pentaxian Join Date: May 2007 Location: Gig Harbor, Washington, USA, Terra Photos: Gallery \| Albums Posts: 4,494	Originally posted by robtcorl I do some online bill paying, but Mrs Bob handles most payments and only writes checks. She likes her paper statements too. We do about half online, half paper for paying bills. And we do keep paper statements for all bills & accounts.

09-24-2018, 12:36 PM	#57711
savoche Master of the obvious Join Date: Jun 2011 Location: Lowlands of Norway Posts: 18,311	I hate it when someone on occasion sends me an invoice on paper. Or even on email, even if it's a bit less of a hassle when one can copy and paste the details. Thankfully most of the bills are fully electronic. No missed payments, always paid on the date. I did keep paper copies of most things up until some years ago (ok, maybe ten years, grumble...). Not anymore. It wouldn't make any difference anyway. The computers own us. Totally.

09-24-2018, 12:44 PM - 3 Likes	#57712
savoche Master of the obvious Join Date: Jun 2011 Location: Lowlands of Norway Posts: 18,311	Heck, I even used to carry cash. Stopped that, too, some years ago - but definitely less than ten! I think... Anyway, now it's plastic all the way. Or paying with the phone, even if I don't see the point of it. It's like having a huge battery dependent cc... I don't want my bus pass on the phone, either, as long as I have a choice. It's just too "smart". Then again, some will use their phones for everything. Don't they have teeth?

09-24-2018, 12:50 PM - 2 Likes	#57713
bertwert Veteran Member Join Date: Jun 2015 Location: Golden, BC Posts: 15,172	Originally posted by savoche I even used to carry cash. I carry cash for thrift stores.

09-24-2018, 01:15 PM - 1 Like	#57714
MarkJerling Moderator Site Supporter Join Date: May 2012 Location: Wairarapa, New Zealand Photos: Gallery \| Albums Posts: 20,421	Originally posted by savoche I can't remember the last time I saw one. Must be at least 20 years. I did a quick search on the web and can't find any banks admitting to still issuing them, but I did find one that has a price list that includes the price for redeeming a cheque - about US$7. If it's the same on your side of the North Sea I guess we know why companies refuse to accept them. Virtually dead here too. Banks still issue chequebooks on some accounts, mostly business accounts. But most everyone does electronic banking here. I predict that cheques will be a thing of the past here in another 5 years. Already almost as dead as the fax machine.

09-24-2018, 01:16 PM - 3 Likes	#57715
gaweidert Loyal Site Supporter Join Date: Mar 2012 Location: Rochester, NY Photos: Gallery Posts: 5,325	Originally posted by jeallen01 Cheques ("checks"!) have gone almost totally "out of fashion" here, and many, many companies won't accept them any more - only electronic payments by card or on-line. Pretty much the only times I use them nowadays are to pay my government tax bills and the guy who services our c/h boiler once a year! I still use checks (cheques). Whenever a company wants to convert me over I tell them that I will do it when they issue me a binding contract assuming full responsibility for any financial damages I incur when their system is hacked and my accounts affected. They also have to assume responsibility for correcting the issue and getting my credit rating restored. I have been the victim of ID theft three times including once where the bank I use was hacked and my checking account drained of over $1,200. The bank made it good, but froze my account until a new ATM card could be issued. I was on the road at the time and the only way I found out was that my card would not work and I called the bank to see what was up. I also pay cash for a lot. Kind of sad when you see a young cashier not being able to count out 93 cents in change and just giving me a dollar instead.

09-24-2018, 01:19 PM	#57716
MarkJerling Moderator Site Supporter Join Date: May 2012 Location: Wairarapa, New Zealand Photos: Gallery \| Albums Posts: 20,421	Originally posted by savoche I hate it when someone on occasion sends me an invoice on paper. Or even on email, even if it's a bit less of a hassle when one can copy and paste the details. Thankfully most of the bills are fully electronic. No missed payments, always paid on the date. I did keep paper copies of most things up until some years ago (ok, maybe ten years, grumble...). Not anymore. It wouldn't make any difference anyway. The computers own us. Totally. I've gone paperless at work. All payments and income is electronic and there are no paper invoices. I use the Xero online accounting system, so that's completely paperless too. Annie still keeps a paper file at home for home bills.

09-24-2018, 01:21 PM - 2 Likes	#57717
robtcorl Veteran Member Join Date: Feb 2011 Location: St Louis, MO Photos: Gallery Posts: 11,606	Originally posted by bertwert I carry cash for thrift stores. You're buying thrift stores? I'm impressed!

09-24-2018, 01:24 PM	#57718
robtcorl Veteran Member Join Date: Feb 2011 Location: St Louis, MO Photos: Gallery Posts: 11,606	I always have a few dollars in my wallet, anywhere from 10 to 50, but do use my debit card most of the time.

09-24-2018, 02:51 PM - 3 Likes	#57719
dbs Pentaxian Join Date: Jun 2010 Location: Clare Valley S A Photos: Albums Posts: 7,565	Cards for convenience is ok....but I don't like filling the pockets of the banks....so Cash for most of my dealings. Over here the banks have a surcharge on every transaction you make with a card And I can buy more BACON that way Dave

09-24-2018, 05:16 PM - 1 Like	#57720
Racer X 69 Moderator Man With A Camera Join Date: Jun 2010 Location: The Great Pacific Northwet, in the Land Between Canada and Mexico Photos: Gallery \| Albums Posts: 28,073	Originally posted by savoche Then again, some will use their phones for everything. Don't they have teeth? Hey! That guy's phone is trying to eat his beer!