Showing posts with label checks. Show all posts
Showing posts with label checks. Show all posts

Thursday, September 26, 2024

Checking in, Checking out

JULIA SPENCER-FLEMING: I may be the last person in America who uses checks.

Well, not, that’s not entirely true. I know Youngest had a checkbook exclusively for paying her Bangor landlord; she left it behind when she moved to The Hague, and she informs me the Dutch run a practically cashless society there. A cashless society! Imagine life without a penny jar.

Maybe I’m the last person in America with a penny jar?

It’s not that I only and ever pay with checks. I dutifully go online for my phone bill, my insurance, and my internet. But co-pay at the doctor’s office? Check. Electric bill? Check. (That’s because they screwed it up TWICE when I tried paying on line. Fool me once, etc.) Before I finished up my mortgage this spring? Check. (They make you pay EXTRA to do it electronically!) Also my fuel oil, because they make me pay a “convenience fee” to reimburse them online. B####, please.


 

I also never use checks at the grocery store or other retail establishments. Because I’m not a monster.

I just like writing out amounts and sending out paper bills. Out of all the organizational possibilities, paying bills like it’s 1943 works best to keep my finances on track and to make sure I’m paying on time. Sure, I can look at my balance on my credit union’s app, but it’s not the REAL balance. That’s written in pencil (payments in ink) in my register. Which I keep in a monogrammed leather checkbook cover.

No, I don’t have bills set up automatically, because I just don’t trust it. I am, in fact, actually 96 years old.

I also use checks for gifts to nephews and my adult kids, because I think it’s more fun to open a card and have a check fall out than it is to receive a pop-up notification from Venmo that someone’s put $50 in your account. I may be wrong about this; if you are a Youth, please tell me.


My weird antediluvian habits finally started paying off – literally – when interest rates took off in March ’22. I have an interest-bearing checking account (again, credit unions FTW) and I make a few pennies here and there (see jar, above) while waiting for my chimney sweep to deposit the check I wrote him for maintaining my wood stoves.

 

Yes, I always shake his hand for luck. Me = 96 years old.

 

How about you, dear readers? Cashless and frictionless or scratching out the accounts with a fountain pen?

Thursday, March 17, 2016

Talking 'Bout My Generation

Photo by Paula Benson
JULIA SPENCER-FLEMING: Since I'm on a roll with lists and ranting, today I'm going to pull up my Granny panties and give all those young people on the lawn a few suggestions on skills and ideas they need to know. But fear not, young readers (we hope we have a few!): there will be a generational rebuttal after I've had my chance to tell you what I wish youngsters would learn already.

1. Map-reading. To be fair, this is a disappearing skill for everyone, not just the youth. I don't have a GPS unit in my car (remember, I'm also the last person in America without a smartphone) but I've driven with them many times in rentals or when visiting family, and the one thing that's stuck with me is the deep divide between following a disembodied voice versus mapping out the way to your destination. In the first place, when SKYNET becomes self-aware and the machines take over, you know your GPS is going to tell you to drive over a cliff. And you'll do it. The second issue? Following instructions doesn't leave you with much of a sense of geography. Do you drive north? South? If you keep heading west, will you reach your destination? You don't know if you don't have a map in your head or in your hands.

(An aside: this actually got me into trouble the first time I visited Seattle. I could not get it out of my brain that ocean = east and kept driving in the wrong direction.)

2. Compromise isn't selling out, it's getting things done. I'm pretty sure it's not a matter of this individual generation; all young people tend toward slogans that are essentially, "What do we want? OUT. When do we want it? NOW." We've got a congress that's devolved to this stage,  and the results aren't pretty. If you want things to change - and lots of us oldsters are 100% behind that - you need to come up with actionable plans and maybe even a way to pay for them.

3. Stop being so obnoxiously hipster about beer. I remember when my generation was doing it back in the 80s with wine, and it was freaking annoying. It hasn't improves in its most recent, hops-fueled iteration.

4. Cursive writing and checks. Yes, I know, you type all your class notes on a laptop these days and only ever send email. Trust me, there will be times when you still have to hand-write something, and it will probably be important. A condolence letter. A heart-felt "I miss you." Thank-you notes to the donors of your 2032 Senatorial campaign. Do you want those to look like they were block-printed by a ten-year-old? No, you do not. And you can also use cursive to properly sign checks, which, despite all the e-payments and chips and phone apps, you will still need in the future. When Buddy Duchene delivers the firewood or the Blow Brothers come to dig up your septic system, they're not going to be carrying those square i-pad payment gizmos. (Buddy tried it, once, but it accidentally got knocked out of his dump truck and cracked, and that was the end of that.)

No, they need to be paid by check, as does the plumber, the appliance guy and the landscaping clean-up guys. Other excellent reasons for checks: buying Girl Scout cookies and making spontaneous donations at concerts, plays, etc. So order some. And start practicing penmanship.

THE SMITHIE: In the interest of equal time and representation, Mom has turned the second half of this blog over to me. One of the first thing we wish older people would realize is that despite experience and wisdom, you're not always right. With that in mind, here's my list of what I wish old folks would learn:

1. Student loan debt. I know back in your day you could pay for state college tuition through a summer job scooping ice cream; in 2016, tuition plus room and board at a minimum cost $20,000/year -- and that's for in-state students at state schools. Most of these are paid for with student loans that have interest rates between 4.29%-6.84% -- and those are the federal student loans. The private ones are even worse. Those don't even get discharged when you DIE. So don't blame millennials for moving back in with their parents after college. We've got $60,000 in debt and nobody's hiring entry-level employees for over $30,000/year.

2. Some people are gay. Lots of people are not heterosexual. Some people don't even believe in the binaries of gender. When you meet these people, or read about them, or hear of their existence, the polite thing to do is smile, nod, and keep your mouth shut. We know you don't understand. Just have some wine and roll with it.

3. It's not "The Facebook" or "The Twitter." 

4. We don't understand the saggy pants thing either, but it sounds kind of racist when you complain about it, so just have some wine and roll with it.

5. This one is specifically directed towards men: do not call younger women "sweetheart," "honey," sugar," or any other pet name unless you are a member of their immediate family, or have been given explicit permission to use those terms. It's disrespectful. None of us like it. But we're not allowed to yell at doddering old guys in public. Also stop telling us to smile. I can't smile, I'm too busy worrying about student loan debt, anti-gay legislation, and the wholesale price of wine.

6. Wine and roll. Just wine and roll. 
 
JULIA: I believe wine and roll is something both our generations can get behind. How about you, dear readers? What would you tell the young upstarts or old fogies?