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02-25-2020, 06:48 AM
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#21
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Jan 2008
Location: NC
Posts: 21,148
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Quote:
Originally Posted by CaptTom
Thread drift:
What about those banks (and other companies) who want to charge you for one paper statement per month, but every week they send one or two large, glossy advertisements in the mail?
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I can’t accuse BoA of that. We use online statements and wouldn’t want a paper statement. And all their “junk mail” is via email, they don’t send anything via snail mail, and we like that.
I wish we could stop all the other junk mail. We’re constantly asking to be removed from mailing lists, but it’s relentless. We’d never use the 95% of the products and services, some partly because of the excessive junk mail.
__________________
No one agrees with other people's opinions; they merely agree with their own opinions -- expressed by somebody else. Sydney Tremayne
Retired Jun 2011 at age 57
Target AA: 50% equity funds / 45% bonds / 5% cash
Target WR: Approx 1.5% Approx 20% SI (secure income, SS only)
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02-25-2020, 07:03 AM
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#22
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Recycles dryer sheets
Join Date: Jun 2019
Posts: 55
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We've switched to email CVS receipts and still the one we get at the shop is as long a normal store receipt.
Quote:
Originally Posted by braumeister
Oh yeah! CVS receipts are notorious.
<<SNIP>>
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__________________
Left the Rat Race 01/01/2020
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02-25-2020, 07:18 AM
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#23
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gone traveling
Join Date: Dec 2015
Location: Berkeley, Denver, CO, USA
Posts: 1,406
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No cash for me
Quote:
Originally Posted by Midpack
I’m curious where all you infrequent ATM users get your pocket money?
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I have not used any cash in the USA during the last 20 months.
Everything (even 69¢ of broccoli) goes on a credit card.
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02-25-2020, 07:35 AM
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#24
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Recycles dryer sheets
Join Date: Jul 2019
Posts: 262
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02-25-2020, 07:42 AM
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#25
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Thinks s/he gets paid by the post
Join Date: Jun 2016
Posts: 1,951
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Quote:
Originally Posted by CaptTom
Thread drift:
What about those banks (and other companies) who want to charge you for one paper statement per month, but every week they send one or two large, glossy advertisements in the mail?
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I got a letter from my online bank yesterday.
Turns out they have a single physical branch 2400 miles from where I live.
The letter, envelope, and postage was to tell me that they would no longer be accepting deposits in the ATMs at that branch...
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02-25-2020, 08:57 AM
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#26
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Nov 2009
Posts: 6,679
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Quote:
Originally Posted by Koolau
So I go to CVS and buy a pack of gum with my "Care Card." The register regurgitates 10 feet of (mostly worthless) coupons. I'm not exaggerating too much here - maybe just a little.
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One of my drugs is free so I don't pay CVS anything for it. But I still get one of those mile-long receipts! I think I have used ONE of those coupons in all the years I have shopped with them, only because I forgot to buy something with the purchase and that same item was magically among the sea of coupons. Usually, the coupon is for the item I just bought!
__________________
Retired in late 2008 at age 45. Cashed in company stock, bought a lot of shares in a big bond fund and am living nicely off its dividends. IRA, SS, and a pension await me at age 60 and later. No kids, no debts.
"I want my money working for me instead of me working for my money!"
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02-25-2020, 08:59 AM
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#27
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: May 2006
Location: west coast, hi there!
Posts: 8,797
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Quote:
Originally Posted by davebarnes
I have not used any cash in the USA during the last 20 months.
Everything (even 69¢ of broccoli) goes on a credit card.
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A few years ago I decided to do the same. If I get any change I save it for Salvation Army at year's end.
Now I get impatient when I see someone trying to make exact change for a cashier. My friend refuses to use a credit card and claims he saves more money by being forced to use real dollars. I point out the extra $'s from rewards but to no avail.
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02-25-2020, 09:04 AM
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#28
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Nov 2009
Posts: 6,679
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I have pretty much stopped using ATMs any more. But this is mostly due to not spending as much cash as I used to. When my weekly square dancing ended in July of 2018 (the caller became ill and sadly died 4 months later), that took about half of my monthly cash usage away. I get a check every month from someone who owes me money, so when I deposit it, I make a split deposit and get my total monthly cash that way. I happen to prefer mostly $10 bills, so I need a teller to give me the correct denominations.
At BofA, I recall the ATM asking me if I wanted the receipt email only or print or print+email.
__________________
Retired in late 2008 at age 45. Cashed in company stock, bought a lot of shares in a big bond fund and am living nicely off its dividends. IRA, SS, and a pension await me at age 60 and later. No kids, no debts.
"I want my money working for me instead of me working for my money!"
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02-25-2020, 09:18 AM
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#29
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Jun 2006
Posts: 12,880
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Quote:
Originally Posted by Spock
It's like Olive Garden only giving one olive on a plate (hello... its called OLIVE Garden)... most of the customers don't eat them so OG ends up throwing out a lot of olives.
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No, they don't throw them out; they put them in the garden.
__________________
Al
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02-25-2020, 09:32 AM
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#30
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Jan 2006
Location: Rio Grande Valley
Posts: 37,931
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Quote:
Originally Posted by Midpack
I’m curious where all you infrequent ATM users get your pocket money?
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From the Costco executive rebate and Costco credit card rewards. That’s usually more cash than we use in a year
__________________
Retired since summer 1999.
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02-25-2020, 09:58 AM
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#31
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Thinks s/he gets paid by the post
Join Date: Feb 2009
Location: Cville
Posts: 1,597
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Quote:
Originally Posted by braumeister
I use ATMs fairly often, monthly at least. Seems to me that many of them ask if I want a receipt instead of printing one automatically. That would be a better solution.
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Wells asks if you want a receipt or email or none.
__________________
FIRE 31 Aug, 2018 - Always leave every place better than you found it, always give more than expected or Due
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02-25-2020, 01:56 PM
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#32
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Full time employment: Posting here.
Join Date: Jun 2018
Posts: 928
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I would say tooth to tail: ordering paper, storing paper, installing paper, etc. Its not just the paper. Its the time and labor far more importantly. Plus a floor full of receipts does not kend an air of upscale banking. I knew a guy who maintained Atms. He had to respond to "out of paper" alerts day and night. $$
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02-25-2020, 02:16 PM
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#33
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Thinks s/he gets paid by the post
Join Date: May 2005
Location: Portland
Posts: 1,703
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at my branch the store manager or selected employee refills the ATM at the start of the day. My branch is the Regional HQ so maybe an outlying branch outsources it?
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02-26-2020, 07:38 PM
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#34
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Aug 2004
Location: Laurel, MD
Posts: 8,304
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Quote:
Originally Posted by Koolau
So I go to CVS and buy a pack of gum with my "Care Card." The register regurgitates 10 feet of (mostly worthless) coupons. I'm not exaggerating too much here - maybe just a little.
My guess: The paper in an ATM is virtually 'free' by comparison to what it costs Chase (or whomever) to INSURE that their machine NEVER runs out of paper. The bonded folks who service the machines probably cost $35 a call to stuff the machine with cash and change out the paper rolls (long before they need it - just in case.) YMMV
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No you are not exaggerating much wrt the length of those coupon receipts. To add insult some counties around here impose .05 bag tax if you want a bag to cut down on paper and plastic waste. Picture me walking out with my arms loaded with “stuff”, no bag, and a 10 foot receipt ribbon trailing behind me!
__________________
...with no reasonable expectation for ER, I'm just here auditing the AP class.Retired 8/1/15.
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02-26-2020, 09:02 PM
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#35
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Thinks s/he gets paid by the post
Join Date: Aug 2017
Posts: 2,040
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I have a choice and opt that I don't want one. What would I do with it really?
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02-26-2020, 10:05 PM
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#36
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Recycles dryer sheets
Join Date: Oct 2019
Location: Los Angeles
Posts: 82
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Reminds me of the time I listened to a Radio Jock and he suggested looking for ATM receipts that showed large balances...I found one with about 200K listed on it and when I went out to the clubs and chatted up some girl I pulled out the receipt to write my phone number on it. I'm ashamed to say that it actually worked.
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03-02-2020, 09:13 PM
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#37
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Thinks s/he gets paid by the post
Join Date: Oct 2008
Posts: 2,775
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No doubt you can find this stuff for way less elsewhere, but.... at one of the local grocery stores they have a section devoted to paper 'gift bags'. The small ones are $4.95 (about the size of a lunch bag). And the big ones ( 2 feet by 2 feet) are something like $8.95 and $9.95). They're just glossy shiny paper with colorful designs, and 2 straps on top. Un believable.
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03-03-2020, 03:53 AM
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#38
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Full time employment: Posting here.
Join Date: Nov 2008
Location: Jacksonville
Posts: 636
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Quote:
Originally Posted by davebarnes
So?
For me, ATM usage is free.
But, on the other hand, I only use an ATM about once every 3 years.
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Funny. I ALWAYS have cash in my wallet. I feel naked without it. I visit the (free) ATM about twice a week and always take my receipt!
Mike
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03-04-2020, 02:55 AM
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#39
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Thinks s/he gets paid by the post
Join Date: Jun 2004
Location: Diablo Valley (SF Bay Area)
Posts: 2,704
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Quote:
Originally Posted by Midpack
We use ours weekly. ..... I’m curious where all you infrequent ATM users get your pocket money?
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Cash back at the self checkout grocery store
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03-04-2020, 05:29 AM
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#40
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Thinks s/he gets paid by the post
Join Date: May 2016
Location: Mid-Atlantic
Posts: 2,642
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Quote:
Originally Posted by Midpack
We use ours weekly. Our ATM offers email, print or both receipts. DW insists on a receipt, I think it’s a waste of paper. So I’d be privately pleased if our bank eliminated ATM paper receipts, makes sense to me for several reasons like environment, bank labor, etc.
I’m curious where all you infrequent ATM users get your pocket money?
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The ATM. USAA's policy of refunding ATM fees got me thinking that, since it's a credit union, it's really my money they're refunding, so I decided to take out the maximum every time I use an ATM. Consequently, I don't need to go very often. I keep most of the cash in a secure place at home, and use it as needed.
__________________
-Looking to FIRE in the mid-2020s, which would be our mid-50s.
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