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My parents are children of the Great Depression and thus have never owned a credit or debit or ATM card. They have no debts and pay all bills the same day they receive them by check, at which point my father takes the envelope to the post office personally and mails it inside (doesn't trust the outside dropoff). * Back when the milk man delivered to the house, he would make my mother compute the amount due to the penny, and leave the cash in the milk box because he did not want to get a bill in the mail. *It is a whole different mindset.
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John, your Dad is a classic! This discussion reminds me of my now deceased father-in-law. He insisted on holding all of his stock certificates. Holding stocks in street name was unthinkable to him; he wouldn't trust someone else with that. Recently Charlie reminded me that I could buy more I-Bonds this year, but I had to buy paper I-Bonds because I already had the max through Treasury Direct. I found the paper process to be annoying. There was a trip to the bank, the bank sends my money in, I wait for the bonds via snail mail (and they should be here by now, but they aren't), I must deal with safekeeping, etc. I don't trust the paper system. I'm the exact opposite of my father-in-law.
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