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Thread: Millennials are morons

  1. #301
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    right back at you. how does an adult in america live on less than $60k?

  • #302
    I could do it pretty easily by myself. Would suck with a family. That said, plenty of families do it.

  • #303
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    This thread has devolved into a weird dialogue about salary, so I think I can add something along those lines:

    Having been a "$30k millionaire" in my early/mid 20's, I was always confused with how people thought you could have an entry level luxury car, an urban apartment in uptown or whatever, spend $100 a night on bar tabs, $2-300 on weekends, go on random trips and carry an acute cocaine habit along for the ride on only $30k. I was making like 70-80k when I was a kid (sales gonna sale) and would still occasionally overdraft my bank account.

    $30k millionaire seems like it would be more living with your parents in a $#@!ty suburb and buying a 12 pack of domestic light beer and maybe eating at texas road house once a month.

  • #304
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    Quote Originally Posted by jt View Post
    not sure how anyone 30+yo can live on that. as far as i'm concerned, that's the floor for survivability. happiness lives at $80k+
    It comes down to where you live, IMO. Single with no kids and $60K in the south, you're doing decent. Single with no kids in the northeast and $60K, you're impoverished. All that money goes straight to rent.

    But yeah at 30+, regardless of having dependents, that should've been enough time for someone to have it all figured out and making more than $60K.

  • #305
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    Quote Originally Posted by jt View Post
    right back at you. how does an adult in america live on less than $60k?
    Modestly.

  • #306
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    Quote Originally Posted by CutTheCrackJack View Post
    This thread has devolved into a weird dialogue about salary, so I think I can add something along those lines:

    Having been a "$30k millionaire" in my early/mid 20's, I was always confused with how people thought you could have an entry level luxury car, an urban apartment in uptown or whatever, spend $100 a night on bar tabs, $2-300 on weekends, go on random trips and carry an acute cocaine habit along for the ride on only $30k. I was making like 70-80k when I was a kid (sales gonna sale) and would still occasionally overdraft my bank account.

    $30k millionaire seems like it would be more living with your parents in a $#@!ty suburb and buying a 12 pack of domestic light beer and maybe eating at texas road house once a month.
    This was me five years ago, thanks to a recession and a fresh degree in a notoriously fickle industry (my fault, "follow your dreams" they said, "It's so rewarding!" they said). I have no idea who those people were that could live in the hip parts of town, party, and still have money left over for groceries and bills.

  • #307
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    Quote Originally Posted by CutTheCrackJack View Post
    Having been a "$30k millionaire" in my early/mid 20's, I was always confused with how people thought you could have an entry level luxury car, an urban apartment in uptown or whatever, spend $100 a night on bar tabs, $2-300 on weekends, go on random trips and carry an acute cocaine habit along for the ride on only $30k.
    It's called having daddy who makes money co-sign the apartment lease and car note.

  • #308
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    Quote Originally Posted by formermav43 View Post
    Modestly.
    Which makes me think, along with the other poster who said 10% of people could get away with shooting for the moon and trying to make an impact and be the rock star employee making the big bucks their way, of a question:

    Why in the past (or in the past generations) was there such a small amount of people thinking that way as opposed to the glut of millennials? Or, asked another way, Why was there so few people in the past (or in past generations) interested in sacrificing the "comforts" of middle-class money and security? If I didn't have personal experience in this exercise, I would say it has to be an issue of values and worldview and this is just an interesting study in how these things change with time and cultures.

    But as someone who has had the high risk tolerance and been involved with 3 start-ups, done the equity partner in early stage organizations and sacrificed short term material wants in the interest of the audacious dream of building a business to obtain "$#@! you" money, which itself was born from an improperly and shoddily built ego, I can tell you in a nutshell my thoughts on the matter:

    "$#@! it. If I fail, I can always go get a 9-5 and grind it out for 30-40 years like every other schlub. But if I succeed..."

  • #309
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    Quote Originally Posted by Rocko20 View Post
    It's called having daddy who makes money co-sign the apartment lease and car note.
    I guess that makes sense and I didn't think of that, admittedly. I always assumed the pejorative label was meant that the $30k millionaire had a $#@!ty job and just spent all his disposable income on partying and high interest credit card payments.

  • #310
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    Quote Originally Posted by CutTheCrackJack View Post
    I guess that makes sense and I didn't think of that, admittedly. I always assumed the pejorative label was meant that the $30k millionaire had a $#@!ty job and just spent all his disposable income on partying and high interest credit card payments.
    Because that's what it means.

  • #311
    Quote Originally Posted by CutTheCrackJack View Post
    This thread has devolved into a weird dialogue about salary, so I think I can add something along those lines:

    Having been a "$30k millionaire" in my early/mid 20's, I was always confused with how people thought you could have an entry level luxury car, an urban apartment in uptown or whatever, spend $100 a night on bar tabs, $2-300 on weekends, go on random trips and carry an acute cocaine habit along for the ride on only $30k. I was making like 70-80k when I was a kid (sales gonna sale) and would still occasionally overdraft my bank account.

    $30k millionaire seems like it would be more living with your parents in a $#@!ty suburb and buying a 12 pack of domestic light beer and maybe eating at texas road house once a month.
    This hits close to home, I just don't live with my parents.

  • #312
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    Quote Originally Posted by CutTheCrackJack View Post
    I guess that makes sense and I didn't think of that, admittedly. I always assumed the pejorative label was meant that the $30k millionaire had a $#@!ty job and just spent all his disposable income on partying and high interest credit card payments.
    Yes, I think the negative stereotype of millennials seems to be based on children of the affluent. If you came from a good background with doting parents, you're more likely to take risks because it's not like your parents will ever let you end up on the streets. I'm definitely guilty of this, and I imagine it's a mindset my dad never had.

  • #313
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    Quote Originally Posted by Duck of Death View Post
    Because that's what it means.
    Did you read my post? What I am positing is that you can't really party and be the hip, fake "baller" or "cool bro" or "shiny shirt rage animal", on whatever is left and disposable after making your 2008 BMW 325i payment and your capital one 19.99% credit card payment and your 1/3 of the cool apartment on Blackburn or State & Allen or whatever.

  • #314
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    People have done it for years. Get the 39 month lease on the 318 for 300 a month or whatever, and run up 50k in cc debt over a year or two, all on fun. Pay minimums...300 more. Do it until your minimums get out of hand. Then ask family for help, then bankruptcy. But what a fun 2 years.

  • #315
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    A single person can live in Austin on 30k. It's a paycheck to paycheck life, but it's not ramen and goodwill. The biggest downside is that you can't really save anything.

  • #316
    Quote Originally Posted by Duck of Death View Post
    People have done it for years. Get the 39 month lease on the 318 for 300 a month or whatever, and run up 50k in cc debt over a year or two, all on fun. Pay minimums...300 more. Do it until your minimums get out of hand. Then ask family for help, then bankruptcy. But what a fun 2 years.
    Ha, 39 months? They do like 80 month leases now. Everyone gets a BMW!

  • #317
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    Quote Originally Posted by Jonkr15 View Post
    Ha, 39 months? They do like 80 month leases now. Everyone gets a BMW!
    How have you not bought it at that term?

  • #318
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    Quote Originally Posted by CutTheCrackJack View Post
    I guess that makes sense and I didn't think of that, admittedly. I always assumed the pejorative label was meant that the $30k millionaire had a $#@!ty job and just spent all his disposable income on partying and high interest credit card payments.
    It's not mutually exclusive. The 30K millionaire can live paycheck to paycheck, rack up CC debt, and also have daddy co-sign the apartment and car note.

    This type of lifestyle is pretty common in places like DC, where you have kids obsessed with conspicuous consumption, whether or not they can afford it.

    Either way, the chicken always comes home to roost eventually.
    Last edited by Rocko20; 10-23-2015 at 09:36 PM.

  • #319
    Quote Originally Posted by Duck of Death View Post
    How have you not bought it at that term?
    Damn it. Thought you meant financed, not leased. I don't know $#@! about car leases.

  • #320
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    Quote Originally Posted by Chewbacca View Post
    Pe as in project engineer, not professional engineer.

    We are also a construction company.
    We're so small that we really don't have project engineers. Our projects range from $2K - $100K. His title was Project Manager, but that's certainly not equivalent to a PM at a traditional construction firm.

  • #321
    Gotcha.

  • #322
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    Also yuppies shouldn't be confused with 30K millionaires. Yuppies are young professionals who can actually afford their lifestyle without credit card debt or daddy co-signing the apartment lease. Now whether they choose to rack up debt is up to them but again the difference is that a yuppie actually has money while a 30K millionaire doesn't.

    And to confuse you even more, 30K millionaires often give the appearance of being a yuppie.

    A yuppie (/ˈjʌpi/; short for "young urban professional" or "young upwardly-mobile professional")is defined by one source as being "a young college-educated adult who has a job that pays a lot of money and who lives and works in or near a large cit
    Yuppism... is not definable entirely by income or class. Rather, it is a late-20th century cultural phenomenon of self-absorbed young professionals, earning good pay, enjoying the cultural attractions of sophisticated urban life and thought, and generally out of touch with, indeed antithetical to, most of the challenges and concerns of a far less well-off and more parochial Middle America. For the yuppie male a well-paying job in tech, law, finance, academia or consulting in a cultural hub, hip fashion, cool appearance, studied poise, elite education, proper recreation and fitness and general proximity to liberal-thinking elites, especially of the more rarefied sort in the arts, are the mark of a real man.
    https://en.wikipedia.org/wiki/Yuppie
    Last edited by Rocko20; 10-23-2015 at 11:33 PM.

  • #323
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    Got some salary talk going on in here. I'm an 80s baby living in a crappy town but after making the move I've doubled my take home basically. It has it's ups and downs. Good news is I make enough money to travel on the weekends so that's good. The career outlook is somewhat good long term assuming I don't get laid off ha!

  • #324
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    Quote Originally Posted by MitchCumsteen View Post
    And, at some point, you're going to have to do $#@! you don't like doing in order to get to the place you want to be.
    But right now he doesn't have to do that. I'm smack dab in the middle of Gen X and I see nothing wrong with his choice. He did great work for you but is no longer interested in doing that kind of work. At age 23 why in the hell would you decide to commit your life / any amount of time to a career you've explored, succeeded at, and decided wasn't interesting/fulfilling enough to do any longer? It's already clear he does good work and is very willing to work hard and go the extra mile for something.

    Look, if you're in your 40s with kids and have a ton of mounting debt, childcare expenses, etc. and prospects are bad, then yeah- you do have to do $#@! you don't like doing in order to get to the place you want to be.

    Right now you're assuming he wouldn't do that. Everything you said about him points toward that he would.

    What he's doing now is a step toward something better for him- trust me.
    Last edited by KaiserSoze; 10-24-2015 at 12:43 AM.

  • #325
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    Quote Originally Posted by jt View Post
    right back at you. how does an adult in america live on less than $60k?
    By not blowing money on stupid $#@! trying to hang with the cool crowd

  • #326
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    Quote Originally Posted by hayden_horn View Post
    For every problem with employees , how many problems are there in management? Who hired these people, groomed them, reviewed them year to year, gave them realistic goals, etc? Maybe they've been doing the job already. If they haven't, and are still there, en masse, as you say, is that their fault?
    Quote Originally Posted by CutTheCrackJack View Post
    Which makes me think, along with the other poster who said 10% of people could get away with shooting for the moon and trying to make an impact and be the rock star employee making the big bucks their way, of a question:

    Why in the past (or in the past generations) was there such a small amount of people thinking that way as opposed to the glut of millennials? Or, asked another way, Why was there so few people in the past (or in past generations) interested in sacrificing the "comforts" of middle-class money and security? If I didn't have personal experience in this exercise, I would say it has to be an issue of values and worldview and this is just an interesting study in how these things change with time and cultures.

    But as someone who has had the high risk tolerance and been involved with 3 start-ups, done the equity partner in early stage organizations and sacrificed short term material wants in the interest of the audacious dream of building a business to obtain "$#@! you" money, which itself was born from an improperly and shoddily built ego, I can tell you in a nutshell my thoughts on the matter:

    "$#@! it. If I fail, I can always go get a 9-5 and grind it out for 30-40 years like every other schlub. But if I succeed..."
    Hayden, you're missing my point. Idiots at all levels of seniority have always existed. That hasn't changed in the last 50 years. What has changed is that you have an entire generation of 20-somethings who mostly think they are "different", or "special" or amongst the best, when they are- by virtue of their job, their earning power, their experience, or any concrete measure used in the real world to measure capabilities and performance, NOT exceptional enough to warrant that inflated sense of self. You can't give everyone 4.0 GPAs in real life, if you are in the workforce, you fall on a continuum of everyone else in the workforce. Before they started giving As and Bs to 90% of students, someone who was of average intelligence and capabilities didn't typically have the delusion that they were a genius. THAT is the difference with many Millenials. They simply can't all be as special/good as they believe they are in the real world when that entire 90% who got inflated grades and think they are awesome cannot fit into the statistical top 10 (or whatever percentage) of high achievers. The world really does need ditch diggers too, and there is nothing wrong with that. I know many more good hearted people who are blue collar than wealthy, and most of the .1% I grew up with are not people I'd call pleasant/well-adjusted/good hearted. But the point is that when you tell everyone that they are special, you end up with entitled people with outsized expectations.

    Companies go belly up all the time and have since the beginning of commerce. Incompetent management has been/is the primary cause in many cases. In the past, as a lower level employee, you'd see people either hunker down and be in denial and just do their job, or you'd see the savvy ones see the writing on the wall and jump ship. It is the phenomenon of an entire department of 20 people, all of whom are sub-manager level creatives, thinking that "we know what we are doing, we don't need management and supervision" that is unheard of in the past, and I think it is directly attributable to the entitlement thing (and yes, much of that is the fault of the parents, school administrators and preceding generations that changed the educational system/parenting norms and created these self-absorbed, entitled Millenials.)

    CTCJ, I have no issue with being a dreamer, or reaching for the brass ring when you are young. What I am saying is that only the top X percent of bright, motivated etc. people CAN succeed as Mavericks, entrepreneurs and such, and as I wrote above, the problem is that people who are NOT making that choice to reach for the brass ring are acting like they are already proven to be part of the minority who can get away with that attitude. An entire department of twenty somethings at a biggish company that is struggling should NOT feel like they are that special: A. They chose to work for said corporate entity and not pursue a dream and B. The company isn't doing well so I don't see why you'd think you're a rock star individually, let alone en masse. Capitalism is a dog eat dog system, you can't have 90% of people being part of the 10% of top wage earners. The corporate world is a hierarchy, you can't have 90% of your employees be more "special" than their peers.

    The difference is not that more Millenials dare to dream. The difference is that the ones who have not chosen to do things that allow them to pursue their dreams STILL believe they deserve to be treated differently because they are special. You can't go into an existing system and expect to be treated differently/better just because you feel like you deserve to be... That sense of entitlement in a huge percentage of youth today is something that didn't exist in the past.

  • #327
    http://dealbreaker.com/2016/03/mille...e-millennials/

    This Adorably Batsh!t Millennial Email Says Everything About Millennials And Their Money

  • #328
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    1) checks ARE archaic
    2) i regret to inform you that letter was written humerously

  • #329
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    Just Venmo the money to the one guy named [redacted] who has a check book.

  • #330
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    1. I agree with her!

    2. I used Venmo last week!

    3. I'm still $#@!ing old.

  • #331
    I never understood why use money orders or checks. Yes, I'm a millenial

  • #332
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    Quote Originally Posted by workswithseed View Post
    I never understood why use money orders or checks. Yes, I'm a millenial
    Sometimes you have to give money to old people. Old people don't trust $#@! like paypal. Old people also don't want you to mail them cash because that's always been stupid.

    for the record I don't consider myself a millennial. I'm in that small age range that's disputed. I'll never bow to the dark side.

  • #333
    Hell, I never heard of a money order till I got a ticket in West Texas, and that week I also found out about the bank version of'em.

  • #334
    Quote Originally Posted by jt View Post
    right back at you. how does an adult in america live on less than $60k?
    I'm single and 39. Never been married nor have any kids. I live in an extremely modest, but not bad neighborhood in Arlington. My bills average about $1500 a month. That's my mortgage, insurance, gas, water, electric, tv, internet, groceries, gasoline plus or minus $100 any given month depending on weather and extra expenses. My car is a 2006 Infinity G35 that I've had paid for two years but only has 62k miles because I live within 5 miles of work. I take home about $2400 a month from my first job and my second job is very hit or miss. I've only had it three years but some months I'll make an extra $10k then I won't have any extra income for 5+ months.

    $500/month goes into my IRA/savings plus I pay an extra $120/month on my mortgage. I go out, but not every week. I've got $10k in the bank right now and $118k in savings. It's not hard if you're smart and don't live beyond your means. Also don't get married or have kids. That's the game changer.

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    Lulz at blaming millennials for ruining American banks

  • #336
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    Not sure if on topic, but speaking of money orders and checks, the one thing I don't really understand is the purpose of traveler's cheques. I once went on a vacation with a guy when I was younger whose mom insisted on us getting American Express Travelers Cheques, but nowhere we went even accepted them. I was utterly befuddled and remain so to this day.

  • #337
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    Yeah if that landlord will only take paper checks, screw him.

  • #338
    Shaggy, the point isn't whether she's right about Venmo or checks being archaic vestiges of a bygone era. The point is the way she presents her case. I'm right, $#@! you. Sums it up.

    I have rental property. If one of my renters proposed this to me the way she did, I would happily tell her go $#@! yourself, though sadly not in those words. If on the other hand she had come to me and asked me, not told me, but asked, and showed me how cool and simple it is and so forth, yeah I would probably still tell her go $#@! yourself, but there would have at least been a chance to change my old dusty cobweb covered has been mind.

    The fact that she is now of adult age and still doesn't know that not insulting the person on the other side of the transaction, the person that you want to do something for you, is the point.

    And FWIW I would be particularly against Venmo because they're owned by Paypal. Ebay took Paypal and ran it into the ground. I guess that's no surprise since they also managed to run Ebay into the ground.


    The fact that this is a adult age person that hasn't learned a little humility says her parents failed her, and probably 16 years of schooling failed her.

  • #339
    Quote Originally Posted by TxEx99 View Post
    I'm single and 39. Never been married nor have any kids. I live in an extremely modest, but not bad neighborhood in Arlington. My bills average about $1500 a month. That's my mortgage, insurance, gas, water, electric, tv, internet, groceries, gasoline plus or minus $100 any given month depending on weather and extra expenses. My car is a 2006 Infinity G35 that I've had paid for two years but only has 62k miles because I live within 5 miles of work. I take home about $2400 a month from my first job and my second job is very hit or miss. I've only had it three years but some months I'll make an extra $10k then I won't have any extra income for 5+ months.

    $500/month goes into my IRA/savings plus I pay an extra $120/month on my mortgage. I go out, but not every week. I've got $10k in the bank right now and $118k in savings. It's not hard if you're smart and don't live beyond your means. Also don't get married or have kids. That's the game changer.
    So don't get married or have kids and live in a $#@!ty suburb. Sounds reasonable.

  • #340
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    Quote Originally Posted by workswithseed View Post
    I never understood why use money orders or checks. Yes, I'm a millenial
    Quote Originally Posted by workswithseed View Post
    Hell, I never heard of a money order till I got a ticket in West Texas, and that week I also found out about the bank version of'em.

  • #341
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    Quote Originally Posted by Parliament View Post
    Yeah if that landlord will only take paper checks, screw him.
    there is a very easy compromise - send checks from your account online. i "write" my landlord checks from my account that are mailed to him from my bank. easy paper trail for me and the money comes out of my account instantly so i don't have to worry about when he cashes them (was absolutely a problem years ago when i actually wrote checks).

  • #342
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    Quote Originally Posted by CutTheCrackJack View Post
    Not sure if on topic, but speaking of money orders and checks, the one thing I don't really understand is the purpose of traveler's cheques. I once went on a vacation with a guy when I was younger whose mom insisted on us getting American Express Travelers Cheques, but nowhere we went even accepted them. I was utterly befuddled and remain so to this day.
    It used to be that American Express was the only really international financial institution. Europe was very slow to catch on to credit cards, and European banks wouldn't cash a check drawn on an American bank (well, they would, but you'd have to wait a week for the check to clear before you could get your money). So if you were traveling overseas, you could either take an enormous sum of cash or buy travellers' cheques.

    The benefit of the travellers' cheques over cash was twofold. First, it was obviously more secure--if they got stolen, American Express would replace them. But second, when you exchanged them for the local currency, you got a better exchange rate because American Express ate part of the commission.

    Now, I don't think there's much of a point to them when traveling to Europe or Asia. Perhaps some other place still hasn't widely adopted credit cards, but I can't imagine where that place might be.

    Quote Originally Posted by workswithseed View Post
    I never understood why use money orders or checks. Yes, I'm a millenial
    Because checks (i.e., commercial paper) have been around so long, there's a large body of law surrounding their ownership and transfer. For a person going to the grocery story, that's largely irrelevant. But for more complicated transactions, it has its benefits.

    I will acknowledge, however, that the worldwide instant transfer of money electronically is making even that obsolete.

  • #343
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    Quote Originally Posted by CutTheCrackJack View Post
    Not sure if on topic, but speaking of money orders and checks, the one thing I don't really understand is the purpose of traveler's cheques. I once went on a vacation with a guy when I was younger whose mom insisted on us getting American Express Travelers Cheques, but nowhere we went even accepted them. I was utterly befuddled and remain so to this day.
    Imagine yourself on Earth prior to 1985. You are on vacation with no credit card, no debit card, no internet, no ATMs spotty terrestrial telephone service. US banks while becoming large international financial institutions are still largely locally/regionally organized. You could travel with enough cash (USD or other) to cover your trip, but cash is susceptible to being lost or stolen, and wouldn't be recoverable.

    Before you leave your trip you visit your financial institution and get 1 x $1,000, 4 x $500, and 10 x $100, travelers cheques. The 4K is removed from you account and given to AmEx or whoever they give you the cheques and you endorse them. They are now "certified checks" "bounce proof" checks in round numbers usable as near universal currency around the world. If they are lost or stolen they couldn't be used unless the thief can forge a matching signature. Foreign vendors don't have to worry about Joe Smith writing a hot check out of his First National Bank of Little $#@!sVille account. If Joe Smith gets robbed or losses is wallet on the beach he can walk down the road and cash his reserve $1000 check he kept hidden in his suit case and not have to worry about internationally calling FNB of LSV at 4am on a Saturday so he could have money to eat over the weekend.

    Certified Check - funds held by your institution in an intermediate account until deposit. (Written in specific amounts) (only as good as the institution's name)

    Cashier's Check - funds removed by your institution from your account and issued from their account (written in specific amounts) (only as good as the institution's name)

    Money order - funds removed by a 3rd party from you account and issued from their account. (written in specific amounts) (as good as brand name Western Union / Wells Fargo / Pinkerton Agency / AmEx)

    Travelers Check - funds removed by a 3rd party from your account and issued from their account. (Written in even denominations) (as good as brand name)

    Themoreyouknow.jpeg

  • #344
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    Quote Originally Posted by workswithseed View Post
    Hell, I never heard of a money order till I got a ticket in West Texas, and that week I also found out about the bank version of'em.
    Let me guess - you've never wired anyone cash via Western Union telegraph?

  • #345
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    My mom is 80 years old and still uses checks and it's excruciatingly painful to help her buy groceries because while she's filling the stupid thing out, five normal people with debit cards are waiting in line behind her. I've tried to talk her into one but I've given up.

  • #346
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    Otoh, good tenants are hard to find. If this chick pays on time and takes care of the place, I'd oblige her in every way I can.

    For a few years, I lived in a complex that took cc without an additional fee. That was awesome.

  • #347
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    Quote Originally Posted by Llano Estacado View Post
    Imagine yourself on Earth prior to 1985. You are on vacation with no credit card, no debit card, no internet, no ATMs spotty terrestrial telephone service. US banks while becoming large international financial institutions are still largely locally/regionally organized. You could travel with enough cash (USD or other) to cover your trip, but cash is susceptible to being lost or stolen, and wouldn't be recoverable.

    Before you leave your trip you visit your financial institution and get 1 x $1,000, 4 x $500, and 10 x $100, travelers cheques. The 4K is removed from you account and given to AmEx or whoever they give you the cheques and you endorse them. They are now "certified checks" "bounce proof" checks in round numbers usable as near universal currency around the world. If they are lost or stolen they couldn't be used unless the thief can forge a matching signature. Foreign vendors don't have to worry about Joe Smith writing a hot check out of his First National Bank of Little $#@!sVille account. If Joe Smith gets robbed or losses is wallet on the beach he can walk down the road and cash his reserve $1000 check he kept hidden in his suit case and not have to worry about internationally calling FNB of LSV at 4am on a Saturday so he could have money to eat over the weekend.

    Certified Check - funds held by your institution in an intermediate account until deposit. (Written in specific amounts) (only as good as the institution's name)

    Cashier's Check - funds removed by your institution from your account and issued from their account (written in specific amounts) (only as good as the institution's name)

    Money order - funds removed by a 3rd party from you account and issued from their account. (written in specific amounts) (as good as brand name Western Union / Wells Fargo / Pinkerton Agency / AmEx)

    Travelers Check - funds removed by a 3rd party from your account and issued from their account. (Written in even denominations) (as good as brand name)

    Themoreyouknow.jpeg
    Thanks for the education, but I have one question that still remains:

    Given what you said about the benefits of these traveler's cheques and their added security, why would they increasingly (or in my case ~2003 unanimously) NOT be accepted as forms of payment overseas? I can see adding the benefit of credit/debit cards, but why would you actively move to disallow something secure like this that was formerly not only allowed but preferred?

    The guy I traveled with had to bring them all home and I assume go through the hassle of getting refunded and educating his mom.

  • #348
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    Quote Originally Posted by spinmonkey View Post
    My mom is 80 years old and still uses checks and it's excruciatingly painful to help her buy groceries because while she's filling the stupid thing out, five normal people with debit cards are waiting in line behind her. I've tried to talk her into one but I've given up.
    I bet she knows to the penny what is in her account. What I find irritating in being in line at an ATM where some moron is checking his account balance.

  • #349
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    Quote Originally Posted by Dolemite View Post
    I bet she knows to the penny what is in her account. What I find irritating in being in line at an ATM where some moron is checking his account balance.
    Yeah, she does. I use a mobility app to check my balance any time. I'm surprised people need to use an atm nowadays to do it.

  • #350
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    Quote Originally Posted by Dolemite View Post
    I bet she knows to the penny what is in her account. What I find irritating in being in line at an ATM where some moron is checking his account balance.
    I love it when I am behind a person at the ATM who is depositing cash, then when done, starts another transaction to......wait for it.....withdraw cash.

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