Text 27541, 85 rader
Skriven 2015-05-29 14:39:00 av NANCY BACKUS (1:123/140)
     Kommentar till en text av DAVE DRUM
Ärende: cash/debit was: Credit Ca
=================================
-=> Quoting Dave Drum to Nancy Backus on 05-22-15  06:10 <=-

 NB>> I don't mind carrying a little cash, and I have a few things that only
 NB>> take cash or check, and I'd rather carry cash than a checkbook...
 NB>> Generally I pay for groceries with cash, unless there's some super
 NB>> rebate on running them through a card...

 DD> Only one of my "regular" stops is ca$h only. The Den Chili Parlor -
 DD> which is unique for that and for (in this area) the mis-spelling of
 DD> chilli. But, there is an ATM on the premises. I'm just too frugal to
 DD> pay an ATM fee at a non-native machine -- just to get a bowl of red and
 DD> a chilli dog. 

Much better to have budgeted the cash in hand than use the ATM, for
sure...  :)

 DD>>> card for Moto-Mart which gets me 6c/gal discount on gazoline plus a
 DD>>> free car wash when I buy 8 gallons of petrol on a Tuesday or Wednesday.
 NB>>> Haven't got anything like that... I don't know as that's available here
 NB>>> anyway... and I usually get my gas at BJ's...
 DD>> I'd be willing to bet that if you check around you'll find that there
 DD>> are one or more chains in your area that offer money off by using their
 DD>> company-branded direct debit card. The idea is spreading around this
 DD>> area since Moto-Mart came to town. This is in addition to grocery store
 DD>> linked discounts like Kroger/Shell and Hy-Vee/Casey's/Hy-Vee's own gas
 DD>> station.
 NB>> We do have Tops grocery having their own gas station, and discounts
 NB>> linked there, but, as I don't shop Tops much, wouldn't do me much good.
 
 DD>> I don't know if you have any FasTrack C-Stores near you but, "Fastrac,
 DD>> which has 44 locations, has had the discount card in place for some
 DD>> time now. Typical discounts per gallon for cardholders are 7 cents
 DD>> Monday through Saturday and 10 cents Sundays."

Only 44 locations...?  Most of them must be in our area, then... I know
exactly where about half a dozen are... 

 DD> Most gas places buy their petrol from one of the big refinery/fuel
 DD> dock places. The only differences are in what additive packages each
 DD> brand is willing to buy in their fuel blend(s). We have a local chain
 DD> here named Quick 'n Easy (known to many as "Slick & Sleazy") which gets
 DD> the absolute minimum additive package added to their fuel. People
 DD> fuelling there to save a penny a gallon find that they get 10% or even
 DD> less miles per gallon on that brand. 

Another difference can be in what undesired "additives" might be in the
gas... we have a Gaseteria that has been of ill-repute for decades, but
still manages to sell enough cheap gas to survive... apparently their
customers don't check their mileage regularly, or at all... ;)

 NB>> Now, we do have a few of those around here... but I've never checked
 NB>> out the quality of their gas... Our cars can be a little picky...

 DD> Might give them a trial shot .... it could save quite a bit over the
 DD> long haul. 

I was pleasantly surprised that the BJ's gas was of high enough quality
to not bother our cars...  I did note, last time I was in the AAA office
that one of the member benefits was to be able to get cardholder
benefits at Fastrac stations... that might make a trial more
feasible.... should I decide to check it out...  :)

 DD>> My first Visa, issued very tentatively by one of my banks had a $250
 DD>> limit. I used it mainly to flash when renting a car - then paid with a
 DD>> debit card since the totalwas generally more than the limit on the
 DD>> card. When it was about to expire last time the bank (and their service
 DD>> company that manages the bank-branded Visa) offered me a Platinum (big
 DD>> whoop) Visa with a $10K limit.  Bv)=
 NB>> I have way too much credit...  more than enough to totally hang me,
 NB>> should I be foolish enough to actually use it all... But it does give
 NB>> lots of head space since I have no intention of using it all... ;)

 DD> I do too. But, as I have matured in mindset as well as years I don't
 DD> abuse the limits. Still, it's a nice cushion should the need arise.

As long as it's a short term need, with sufficient coming in quickly
enough to cover the repayment thereof...  ;)

ttyl       neb

... Becoming a vegetarian is a missed steak.

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