[THURSDAY] aint no sleep for the wicked

[Cool09]

I assume he doesnt actually give the landlord them all at once but postdates them (and therefore can cancel them)

Yup.

[Mrenda]

I use cheques literally every day (that I'm working.) For a lot of small businesses there's no other choice. If we have actors to pay, it's with a cheque. Go to the post office for a roll of stamps, it's a cheque. Need petty cash, we cash a cheque. They're very useful in avoiding fraud because if you could withdraw straight from the account and my bosses were into fraud, they could just withdraw €100k right after we get our grant. Cheques have to be co-signed by authorised people so it means there's always a check on the cheque. Similarly, it creates a paper trail (both actual paper and digital.) It means that we can see exactly who the money went to, etc. And probably most importantly, it means we don't spend ages chasing idiots to give us their correct bank details. We just write a cheque to their name and that's the end of the matter. (Plus it means I get to go for a stroll around town every few days when I'm getting the cheques co-signed )


In other banking news... I've finally gotten and used my Visa Debit card. I honestly did not realise how handy it would be to not have to go to fucking ATMs all the time. I still have to use them, but doing the shopping or buying anything significant became so much easier. Now we just need some shops to actually start using that contactless payment thing. Which to me is the proper future.

[Matharos]

Just found out that my brother put our sail boat up for sale

[Tellenta]

For paying rent its a similar deal... you can sign a 12 month lease and give the landlord 12 dated cheques. That's just the standard here. If you get behind in payments, there's a paper trail, not to mention a $40 fee for writing a bounced cheque that comes out of your account automatically. The payments are set in stone, you can't cancel or delay them like you could with online banking which is why landlords like it that way.

I might be wrong, but I'm reasonably certain that in the UK you'll get in a lot of trouble if you hand over a post-dated cheque - not least because banks often don't bother checking the date when the cheque is presented to them.

Actually it's the bank that can get in trouble for charging the check writer for a post dated check, at least in the US. Either way post dating checks is a silly idea it's kind of like having automatic payments close to or on payday. If your bank is a piece of shit and a surprising number of people enjoy being a member of shit banks, you've probably just earned some overdraft fees. Anyways I like using checks for paying most bills as it is a very handy budgetary tool. Also I use cash to purchase every day crap with cash (except gasoline) as it is easier to restrict myself from spending to much week to week. Debit/credit cards regardless of the technology put in them take as much time or longer than cash very rarely do they meet their hype and are faster.

Either way you look at it a cashiers/treasurers check will always be a handy tool when receiving payment. It's guaranteed money that doesn't require anyone to jump on the internet to confirm a money transfer.

Also, dongs.

[indeterminacy]

This is bizarre:

Not only did the original "underwear bomber" Abdullah Hassan al-Asiri hide explosives in his rectum to assassinate Saudi Prince Muhammad bin Nayef—they met in 2009 after the 22-year-old holy warrior "feigned repentance for his jihadi views"—but al-Asiri apparently had fellow jihadis repeatedly sodomize him to "widen" his anus in order to accommodate the explosives— all in accordance with the fatwas [religious edicts] of Islamic clerics.

http://www.gatestoneinstitute.org/3158/islam-sodomy

Bet you won't see that story on cable news.

[Tellenta]

Then you would cancel the cheques much as you would the online transfer. I guess the difference is that I have to call the bank while you could do it with a click of the button.

costs money to cancel cheques with many banks.

You can just right "void" in big block letters (I use a marker) and tear it up when you are using personnel cheques. Absolutely zero reason to call the bank.

[WatsonMayte]

This is bizarre:

Not only did the original "underwear bomber" Abdullah Hassan al-Asiri hide explosives in his rectum to assassinate Saudi Prince Muhammad bin Nayef—they met in 2009 after the 22-year-old holy warrior "feigned repentance for his jihadi views"—but al-Asiri apparently had fellow jihadis repeatedly sodomize him to "widen" his anus in order to accommodate the explosives— all in accordance with the fatwas [religious edicts] of Islamic clerics.

http://www.gatestoneinstitute.org/3158/islam-sodomy

Bet you won't see that story on cable news.

And I thought I was having a bad Thursday

[EntroX]

OH MY GOD SPIDERS

[Ben Derindar]

I paid for my first car with a cheque. Pretty much everything else in my adult life though has been EFTPOS/direct debit, with the odd cash purchase for little things.

[Aurora148]

[Varcaus]

I like cash it feels nice, good for bets small things and feels nice.

[AmaNutin]

I like cash, it's good for strippers getting groceries.

[Traxio Nacho]

Then you would cancel the cheques much as you would the online transfer. I guess the difference is that I have to call the bank while you could do it with a click of the button.

costs money to cancel cheques with many banks.

You can just right "void" in big block letters (I use a marker) and tear it up when you are using personnel cheques. Absolutely zero reason to call the bank.

Guessing Ralara means if you had given the person the post dated cheques, as there wouldn't be any point in doing post dated cheques then keeping them yourself.

[Ralara]

Then you would cancel the cheques much as you would the online transfer. I guess the difference is that I have to call the bank while you could do it with a click of the button.

costs money to cancel cheques with many banks.

You can just right "void" in big block letters (I use a marker) and tear it up when you are using personnel cheques. Absolutely zero reason to call the bank.

Guessing Ralara means if you had given the person the post dated cheques, as there wouldn't be any point in doing post dated cheques then keeping them yourself.

This exactly - if someone's paid rent to their land lord for 12 months (or whatever, something on ebay or... anything where the other person has your cheque but has not cashed it, but will, and you don't want them to), you have to formally cancel it to ensure it wont get cashed - if you don't, it will get cashed. Banks often charge this - mine is £10 or £15 per cheque. I've never had to do it myself.

[Sponk]

ITT lolamericans

[Tellenta]

Then you would cancel the cheques much as you would the online transfer. I guess the difference is that I have to call the bank while you could do it with a click of the button.

costs money to cancel cheques with many banks.

You can just right "void" in big block letters (I use a marker) and tear it up when you are using personnel cheques. Absolutely zero reason to call the bank.

Guessing Ralara means if you had given the person the post dated cheques, as there wouldn't be any point in doing post dated cheques then keeping them yourself.

This exactly - if someone's paid rent to their land lord for 12 months (or whatever, something on ebay or... anything where the other person has your cheque but has not cashed it, but will, and you don't want them to), you have to formally cancel it to ensure it wont get cashed - if you don't, it will get cashed. Banks often charge this - mine is £10 or £15 per cheque. I've never had to do it myself.

I consider that a retard fee. Why would anyone give anyone a check they do not want cashed, it smells like fraud to me.

[Raine Woot]

I have to pay rent by check (either personal or cashier's, first month was mandatory cashier's.) My roommate actually writes the check and pays them, I transfer my half of the rent to him. Our two banks have some deal going on that makes it very easy and free, takes about 10 seconds and I can do it from my phone even.

All the bills we set up for automatic deduction, and personally I only use my debit/credit cards. Very rarely have cash on me.

edit: I know at work many old people (and even some young) still get their pay in check form. I've always used direct deposit. Feels good to sit around doing fuckall on Thursday and when I wake up in the morning it's already deposited and usable. I even get a text from my bank around 2AM Friday showing the exact amount.

[Chrien]

Then you would cancel the cheques much as you would the online transfer. I guess the difference is that I have to call the bank while you could do it with a click of the button.

costs money to cancel cheques with many banks.

You can just right "void" in big block letters (I use a marker) and tear it up when you are using personnel cheques. Absolutely zero reason to call the bank.

Guessing Ralara means if you had given the person the post dated cheques, as there wouldn't be any point in doing post dated cheques then keeping them yourself.

This exactly - if someone's paid rent to their land lord for 12 months (or whatever, something on ebay or... anything where the other person has your cheque but has not cashed it, but will, and you don't want them to), you have to formally cancel it to ensure it wont get cashed - if you don't, it will get cashed. Banks often charge this - mine is £10 or £15 per cheque. I've never had to do it myself.

I consider that a retard fee. Why would anyone give anyone a check they do not want cashed, it smells like fraud to me.

Sometimes cheques get lost. I once wrote a cheque out and the company told me they lost it and could I send another. So I went to bank and cancelled the first cheque and sent them another. 2 weeks later they tried to cash the original cheque, so if I hadn't cancelled it then I would have been double charged. I then got charged a cheque bounce fee by the bank, which I deducted from a future payment which the company didn't like so we spent 3 months fighting over $7.50

[Pacefalm]

Then you would cancel the cheques much as you would the online transfer. I guess the difference is that I have to call the bank while you could do it with a click of the button.

costs money to cancel cheques with many banks.

You can just right "void" in big block letters (I use a marker) and tear it up when you are using personnel cheques. Absolutely zero reason to call the bank.

Guessing Ralara means if you had given the person the post dated cheques, as there wouldn't be any point in doing post dated cheques then keeping them yourself.

This exactly - if someone's paid rent to their land lord for 12 months (or whatever, something on ebay or... anything where the other person has your cheque but has not cashed it, but will, and you don't want them to), you have to formally cancel it to ensure it wont get cashed - if you don't, it will get cashed. Banks often charge this - mine is £10 or £15 per cheque. I've never had to do it myself.

I consider that a retard fee. Why would anyone give anyone a check they do not want cashed, it smells like fraud to me.

Sometimes cheques get lost. I once wrote a cheque out and the company told me they lost it and could I send another. So I went to bank and cancelled the first cheque and sent them another. 2 weeks later they tried to cash the original cheque, so if I hadn't cancelled it then I would have been double charged. I then got charged a cheque bounce fee by the bank, which I deducted from a future payment which the company didn't like so we spent 3 months fighting over $7.50

So what was the big advantage of using cheques again

[lt]

There are none. Cars, workers, rent and all other bills are payed the same way. Internet banking is easy and fast.

Only person I've ever seen using a cheque was my grandmother.

:TpTlk: