I use checks for putting my tithe into the offering basket at church. That's 2 per month. My husband also uses them to pay the barber when he gets his hair cut, which is about every 6 weeks or so. Once in a blue moon I might give someone a personal check. So, that's maybe 35 checks a year then. Thanks to online billpay, the bank sends checks for me to those I need to pay, so I won't count them.
Just collected the money for Scout summer camp fee. 90% were checks & the other was cash. Checks still work for organizations that don't take credit cards or electronic funds.
I work at a bank, and it's very obvious that checks are a thing of the past for younger generations. The older folks still swear by them and are generally distrustful of debit cards. I write one check a month for rent and everything else is automatically drafted from my account.
I still write checks for some bills or use my account to pay over the phone as in my car insurance. My bank doesn't do pay on line payments. I do have to mail some off. Otherwise, I use my debit card most of the time.
I'm working on my 2009 taxes (I know, I know...I've paid I just haven't done the paper work!) and it looks like I wrote about 20 checks all year. it'll be even less this year as I've switched some to "automatic withdrawal" from my checking account already this year.
I rarely use checks.
I use them only as a bargaining tool.
For example, if I have an expensive repair and the service provider takes credit cards as payment, I asked if they would reduced the cost 5% if I write a check. In most cases the answer is yes. Even the medical profession does this.
Processing fees for Credit cards are usually around 7%.
A 5% reduced cost is sometimes worth it to the vendor.
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I don't think I'll ever stop writing checks but even though I do most of my bill paying online. I write checks out for my monthly HOA, property tax, and for reimbursements to friends/family. Between online bill paying, credit cards, and the occasional check, I hardly ever use cash, or even keep any on me.
With all of the traveling that I do, checks have become rather impractical so I no longer use them. I'm also self-employed so all of my money comes through PayPal and I simply access those funds via debit.
I used to write checks for my rent but now that I have downsized to renting a room rather than a whole apartment, I just pay the landlord in cash. Its one less item that I have to carry around with me.
I pay my rent with a check because there's no other way.
I pay my water bill with a check - I could pay it online but they charge a fee.
I pay any stray bills that come in the mail with checks - usually medical payments they decide they're not going to cover.
I hardly ever used to use checks. That is, until Chase starting charging me $3 for every electronic transfer from my account. I still don't get it. I can write a check for free, but $3 for the electronic transfer. It has to cost them more to handle the checks. Soon I'll be Chase free, so then it won't matter anyway!
the only time i take out my superhero checkbook and write one is for rent, girl scout cookies and charitable giving. a lot of smaller non-profits have online methods that take a 5% or so surcharge, so i write the check, which only has the 44 cent surcharge to mail. i do fill out every single line - it feels more secure that way for some reason.
Again, I can't respond directly to WC's comment for some reason, so this is a reply to my post.
> why do you assume Goldman is guilty?
I didn't mention that they were, or were not. I simply said the article was speculative and not exactly sound advice. Invest in a company that is widely hated and that is also under federal investigation?? Not exactly "Wise" use of my 'bread'. The phrase 'vote with your money' comes to mind.
>Just because you don't like the deal and feel it's awful doesn't mean it's illegal or even morally wrong. It's the market—this is how it works.
How is what GS did NOT morally wrong? Please do explain, because I find that statement humorous. As far as the legality is concerned, I am not a lawyer, and the federal courts can determine that for themselves.
I use checks for putting my tithe into the offering basket at church. That's 2 per month. My husband also uses them to pay the barber when he gets his hair cut, which is about every 6 weeks or so. Once in a blue moon I might give someone a personal check. So, that's maybe 35 checks a year then. Thanks to online billpay, the bank sends checks for me to those I need to pay, so I won't count them.
Just collected the money for Scout summer camp fee. 90% were checks & the other was cash. Checks still work for organizations that don't take credit cards or electronic funds.
I work at a bank, and it's very obvious that checks are a thing of the past for younger generations. The older folks still swear by them and are generally distrustful of debit cards. I write one check a month for rent and everything else is automatically drafted from my account.
I write a check to my water utility company every month, and small ones to my children's schools for misc field trips and such.
Despise? Gee whiz. It's just a check.
I still write checks for some bills or use my account to pay over the phone as in my car insurance. My bank doesn't do pay on line payments. I do have to mail some off. Otherwise, I use my debit card most of the time.
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I'm working on my 2009 taxes (I know, I know...I've paid I just haven't done the paper work!) and it looks like I wrote about 20 checks all year. it'll be even less this year as I've switched some to "automatic withdrawal" from my checking account already this year.
I rarely use checks.
I use them only as a bargaining tool.
For example, if I have an expensive repair and the service provider takes credit cards as payment, I asked if they would reduced the cost 5% if I write a check. In most cases the answer is yes. Even the medical profession does this.
Processing fees for Credit cards are usually around 7%.
A 5% reduced cost is sometimes worth it to the vendor.
Hey Linsey, thanks so so much for linking my article.... I was just randomly surfing Wisebread and I saw my link :)
Will check out some of the other links too.
Regards,
Forest.
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The system is completely works.
Here are the 2 easy steps to success:
Step 1: Easy! Sign up at my referral site http://www.profit2u.com/S9119715G
immediately after your joining you will be part of the system and get your own ID website.
Step 2: Share your referral site by posting this same article to more than 200 forums and be ready to enjoy the return from the system.cheers!
(PLEASE REMINDER to replace your ID website)
I don't think I'll ever stop writing checks but even though I do most of my bill paying online. I write checks out for my monthly HOA, property tax, and for reimbursements to friends/family. Between online bill paying, credit cards, and the occasional check, I hardly ever use cash, or even keep any on me.
Other than rent, I never use checks. Good riddance, I say.
Thanks for the very very useful information.
With all of the traveling that I do, checks have become rather impractical so I no longer use them. I'm also self-employed so all of my money comes through PayPal and I simply access those funds via debit.
I used to write checks for my rent but now that I have downsized to renting a room rather than a whole apartment, I just pay the landlord in cash. Its one less item that I have to carry around with me.
I only write a check in case of emergency-such as at a doctor's office or someplace similar that doesn't use machines.
I pay my rent with a check because there's no other way.
I pay my water bill with a check - I could pay it online but they charge a fee.
I pay any stray bills that come in the mail with checks - usually medical payments they decide they're not going to cover.
Yep I still hand-write checks! I secretly like it because it makes me feel very grown up =)
[lyndagp at gmail dot com]
I write one check per month for rent. In January 2011, I plan to use online bill pay with my bank for even that one.
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I hardly ever used to use checks. That is, until Chase starting charging me $3 for every electronic transfer from my account. I still don't get it. I can write a check for free, but $3 for the electronic transfer. It has to cost them more to handle the checks. Soon I'll be Chase free, so then it won't matter anyway!
the only time i take out my superhero checkbook and write one is for rent, girl scout cookies and charitable giving. a lot of smaller non-profits have online methods that take a 5% or so surcharge, so i write the check, which only has the 44 cent surcharge to mail. i do fill out every single line - it feels more secure that way for some reason.
Again, I can't respond directly to WC's comment for some reason, so this is a reply to my post.
> why do you assume Goldman is guilty?
I didn't mention that they were, or were not. I simply said the article was speculative and not exactly sound advice. Invest in a company that is widely hated and that is also under federal investigation?? Not exactly "Wise" use of my 'bread'. The phrase 'vote with your money' comes to mind.
>Just because you don't like the deal and feel it's awful doesn't mean it's illegal or even morally wrong. It's the market—this is how it works.
How is what GS did NOT morally wrong? Please do explain, because I find that statement humorous. As far as the legality is concerned, I am not a lawyer, and the federal courts can determine that for themselves.
I only use checks when I pay a bill by mail or am giving money as a gift (especially if it's a birthday card in the mail.)