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Do you typically carry cash on your person?

Do you typically carry cash on your person?  

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14 hours ago, Ignoratio Elenchi said:

It would only take me five seconds to rip some leaves of a tree and stuff them in my pocket, too, but I don't do that either, for the same reasons. 

:lmao: :goodposting: This thread is great.

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Too lazy to read all the pages so I'm not sure if this has been answered.  I don't carry cash on my person, but I do have a couple of hundred in the car if I need it.  So if I didn't drive somewhere (which is rare) I would be out of luck.  I answered the question as "No" but realistically I have access to cash nearby in my car at almost all times.

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6 hours ago, Cowboysfan8 said:

I’ve never even heard of anything like this before 

:shrug: Pretty routine in my world.

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Posted (edited)
On 8/22/2020 at 5:28 PM, belljr said:

I carry cash for golf obviously, every day stuff I rarely use cash, usually lunch when we go to local shops

Exactly same here. Cash is usually for betting purposes or tipping purposes. But I usually do have some on me. 

However, I find it totally reasonable/normal to carry cash just in case a card doesn't work or you wander into a cash only place. 

It's the people that never carry cash or carry large sums of cash (+$200) constantly that I don't understand. 

Edited by Zow
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If you want to argue that you dont carry cash because you never need/use it, ok cool.

The arguments pertaining to the effort it takes to get/carry cash are about as laughable as it gets.

Even if you have nothing but a phone, surely you have a phone case right?  You cant slip one bill between the case and the phone?  Child please

Effort to get the money??  Effort to hold the money?????  

🤠

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56 minutes ago, ghostguy123 said:

If you want to argue that you dont carry cash because you never need/use it, ok cool.

The arguments pertaining to the effort it takes to get/carry cash are about as laughable as it gets.

Even if you have nothing but a phone, surely you have a phone case right?  You cant slip one bill between the case and the phone?  Child please

Effort to get the money??  Effort to hold the money?????  

🤠

Never using cash doesn’t seem to be a good enough reason for some, who go so far as to label not carrying as irresponsible/immature/unprofessional, based on the perceived risk.

Explaining the risk is overstated doesn’t work either.

With no debit card, obtaining cash requires going to a bank, which is a hassle if one believes the likelihood of needing it is exceedingly small, effectively inconsequential.

I don’t have a phone case, and don’t carry my phone at all times either.

While not needing it is the main reason, all of the above are valid reasons for going cashless.

 

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1 hour ago, ghostguy123 said:

If you want to argue that you dont carry cash because you never need/use it, ok cool.

The arguments pertaining to the effort it takes to get/carry cash are about as laughable as it gets.

Even if you have nothing but a phone, surely you have a phone case right?  You cant slip one bill between the case and the phone?  Child please

Effort to get the money??  Effort to hold the money?????  

🤠

You could just slip a blank check in the phone case. Most places still accept checks, right? And you won't need to carry change afterwards.

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14 hours ago, ghostguy123 said:

If you want to argue that you dont carry cash because you never need/use it, ok cool.

That's it.  That's the argument. 

14 hours ago, ghostguy123 said:

The arguments pertaining to the effort it takes to get/carry cash are about as laughable as it gets.

No one's saying they don't carry cash because it's too much effort.  It wouldn't take a lot of effort to carry cash around, just like it wouldn't be hard to carry around a pocketful of leaves.  For many of us, there's just no reason to do it. 

14 hours ago, ghostguy123 said:

Child please

I guess it makes sense to carry cash around if you're still living in 2007.  

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Posted (edited)
15 hours ago, ghostguy123 said:

If you want to argue that you dont carry cash because you never need/use it, ok cool.

The arguments pertaining to the effort it takes to get/carry cash are about as laughable as it gets.

Even if you have nothing but a phone, surely you have a phone case right?  You cant slip one bill between the case and the phone?  Child please

Effort to get the money??  Effort to hold the money?????  

🤠

Not always carrying cash isn't just because it takes a lot of effort. It can also be because it's usually easy to get cash within just a few minutes. If you need it faster than that. It's possible you're being scammed or robbed.

This thread reminds me of a discussion on whether Mike should have a gun on him.https://youtu.be/qF1aqluCxp0

Personally I've never used the term "on your person". Is this common? I would just say "on you".

Edited by brun

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15 hours ago, ghostguy123 said:

If you want to argue that you dont carry cash because you never need/use it, ok cool.

The arguments pertaining to the effort it takes to get/carry cash are about as laughable as it gets.

Even if you have nothing but a phone, surely you have a phone case right?  You cant slip one bill between the case and the phone?  Child please

Effort to get the money??  Effort to hold the money?????  

🤠

Say I carry around 20 bucks neatly in my phone case. Then I see something I want that costs $1.43 and buy it. 
 

I now have a bunch of bills and change that I don’t want to have to hold and keep track of and your argument  breaks down. 

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2 minutes ago, NREC34 said:

Say I carry around 20 bucks neatly in my phone case. Then I see something I want that costs $1.43 and buy it. 

That would be immature and irresponsible.  That $20 could save your life one day, it's not to be squandered on frivolous rubbish!

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1 minute ago, NREC34 said:

Say I carry around 20 bucks neatly in my phone case. Then I see something I want that costs $1.43 and buy it. 
 

I now have a bunch of bills and change that I don’t want to have to hold and keep track of and your argument  breaks down. 

The point of the thread is not using cash for every purchase.  The point of the thread is about carrying cash around in the case of unexpected emergencies or circumstances where having cash on hand is useful.  Most of us that are encouraging carrying some cash around still do the vast majority of our purchases with credit and debit cards--I haven't seen one person make that claim that people should exclusively use cash for every transaction they make. I'm not sure what you mean "the argument breaks down".  You could still use a debit card or Apple Pay if you need a bottle of water for 1.43.  However--try buying that $1.43 bottle of water with your credit card or Apple Pay in a power outage or when a stores credit card terminal is down (which is not as uncommon as one would expect). 

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9 minutes ago, NREC34 said:

Say I carry around 20 bucks neatly in my phone case. Then I see something I want that costs $1.43 and buy it. 
 

I now have a bunch of bills and change that I don’t want to have to hold and keep track of and your argument  breaks down. 

Ummmmmmm, then dont use the cash for that item?????? Lord

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Y'all really argue about some inane #### in here.

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12 minutes ago, jvdesigns2002 said:

The point of the thread is not using cash for every purchase.  The point of the thread is about carrying cash around in the case of unexpected emergencies or circumstances where having cash on hand is useful.  Most of us that are encouraging carrying some cash around still do the vast majority of our purchases with credit and debit cards--I haven't seen one person make that claim that people should exclusively use cash for every transaction they make. I'm not sure what you mean "the argument breaks down".  You could still use a debit card or Apple Pay if you need a bottle of water for 1.43.  However--try buying that $1.43 bottle of water with your credit card or Apple Pay in a power outage or when a stores credit card terminal is down (which is not as uncommon as one would expect). 

One could of course, just keep essential emergency items on hand, bought with a credit card. 

I honestly don't know the answer, but it seems most stores would close if their power went down completely.  

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I will say that in the Northeast Blackout of 2003 I got caught without cash. When the grid went down the ATMs all were out. The local grocery store was running on generator (accepting cash only) and a couple of gas stations were running on generator. I think I had about an 8th of a tank of gas. My wife was under 1/4 as well. Neither of us had much cash. Think we had $20 between the two of us. Luckily for us the power was only out until about midnight that night. It sucked not being prepared to even be able to withstand a couple of days on cash if necessary.

After that day I vowed to NEVER let that happen again! Make sure the cars have at least a half a tank of gas in them. KEEP CASH IN THE SAFE! Be better prepared for disasters! I just checked.. I have $26 in my wallet. The most I've had since like February. I HAD money in the safe, but I think we used it at the casino back in February and didn't replace it. (Mental note to self - fill up those 2 empty propane tanks sitting on the back porch...) Oh.. and I'm pretty sure my car is sitting at 5 miles left in the tank because I didn't want to stop on the way to work to get gas. 

To be fair, I've been known to not follow through on a lot of New Year's resolutions either. :bag:

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Just now, MAC_32 said:

Y'all really argue about some inane #### in here.

Welcome to the FFA. 

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On 8/24/2020 at 7:00 AM, -OZ- said:

I feel like this is the opposite side of the no cash crowd. Between the ease of budgeting / tracking, extra security, and cash back, I'll never give up my credit cards. But I do understand that others don't want them.

I have no interest in all that organization.

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13 minutes ago, jvdesigns2002 said:

The point of the thread is not using cash for every purchase.  The point of the thread is about carrying cash around in the case of unexpected emergencies or circumstances where having cash on hand is useful.  Most of us that are encouraging carrying some cash around still do the vast majority of our purchases with credit and debit cards--I haven't seen one person make that claim that people should exclusively use cash for every transaction they make. I'm not sure what you mean "the argument breaks down".  You could still use a debit card or Apple Pay if you need a bottle of water for 1.43.  However--try buying that $1.43 bottle of water with your credit card or Apple Pay in a power outage or when a stores credit card terminal is down (which is not as uncommon as one would expect). 

So the cash is for emergencies? 
 

What if I want to tip someone?

 

I only get cash when I know it’s the only way. Right now that list is silver at the flea market and haircuts. Spare change for the odd parking meter. This week I got $100 out and decided to get 2 ounces of silver which left me with 41 bucks to get rid of. So went to order a pizza from Dominos on Sunday, cost was $27.05. I figured great, that’ll take care of most of it. Hit ‘pay at store’ on the online checkout and messsge came up that we have to have payment now for anything over $25. Go figure. 

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7 minutes ago, MAC_32 said:

Y'all really argue about some inane #### in here.

True.  

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2 minutes ago, -OZ- said:

One could of course, just keep essential emergency items on hand, bought with a credit card. 

I honestly don't know the answer, but it seems most stores would close if their power went down completely.  

I have emergency essentials at home, and I do have some stuff in my car--but the point is that the vast majority of us still carry a phone or wallet around with us even those of which dont carry cash.   Having one or two bills in there is literally no effort--one can literally just ask for cash back the next time they make a purchase at a store with an atm card--and hold in in their cell phone case or the wallet that they are already even carrying.  The point is that its an effortless task that only can help in times of need or in times of unexpected circumstances.  A lot of stores do not completely shut down in power outages--they generally have employees at the front door limiting the number of patrons in the store at one given time and they generally inform the patrons that all transactions have to be conducted in cash until the power restores.   

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I can think of zero instances when something I wanted was cash only AND it would be a significant inconvenience to go without it or get it elsewhere.

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Posted (edited)
2 minutes ago, dgreen said:

I can think of zero instances when something I wanted was cash only AND it would be a significant inconvenience to go without it or get it elsewhere.

I bet you never tried to buy a small bottle of water during a power outage .....

Edited by belljr
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2 minutes ago, NREC34 said:

So the cash is for emergencies? 
 

What if I want to tip someone?

 

I only get cash when I know it’s the only way. Right now that list is silver at the flea market and haircuts. Spare change for the odd parking meter. This week I got $100 out and decided to get 2 ounces of silver which left me with 41 bucks to get rid of. So went to order a pizza from Dominos on Sunday, cost was $27.05. I figured great, that’ll take care of most of it. Hit ‘pay at store’ on the online checkout and messsge came up that we have to have payment now for anything over $25. Go figure. 

My post said emergencies or circumstances where having cash on hand is useful.  If tipping is one of those circumstances--then that would certainly qualify.  I advocate carrying cash at all times--but i still use credit cards and debit cards for 99% of my transactions. With that said--there have been numerous times in my life where having cash on me has helped me avoid inconvenient or unexpected circumstances.  This thread is not about going completely cash versus going completely digital.  The cash people are not making that claim at all--yet somehow the people that don't carry cash are somehow misrepresenting our position and trying to paint that picture. 

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1 minute ago, belljr said:

I bet you never tried to buy a small bottle of water during a power outage .....

Probably right.

But even if I did, doesn't seem like that big of a deal if I couldn't get it at that time.

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I think we can all find some common ground in here. 
 

The freaking penny needs to be abolished. Every price rounded to the nearest .05. 

I can’t even use those bastards in a vending machine. 

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23 minutes ago, dgreen said:

I can think of zero instances when something I wanted was cash only AND it would be a significant inconvenience to go without it or get it elsewhere.

That’s the point. You carry a little bit around so that you don’t have to forecast every potential unexpected event or incident where having it is handy. I assure you that there will be moments where this is the case.  Banks , credit card terminals and merchant service processing centers are not infallible or full proof. Counting on them working 100% perfectly 100% of the time is risky.

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37 minutes ago, PIK95 said:

I have no interest in all that organization.

To each their own. I'm a bit of a :nerd: in this aspect (and others but we're not talking about that right now) but tracking my expenses for the past few years has been extremely helpful as I plan retirement.

28 minutes ago, belljr said:

I bet you never tried to buy a small bottle of water during a power outage .....

I'd want a big one in that event. 

3 minutes ago, jvdesigns2002 said:

That’s the point. You carry a little bit around so that you don’t have to forecast every potential unexpected event or incident where having it is handy. I assure you that there will be moments where this is the case.  Banks , credit card terminals and merchant service processing centers are not infallible or full proof. Counting on them working 100% perfectly 100% of the time is risky.

Some people like to live life on the edge.

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On 8/23/2020 at 3:51 PM, Terminalxylem said:

Can you explain this to me? I understand merchants pay a cc fee for each transaction involving credit, but tips are taxed the same regardless. Kinda like paying cash for services “under the table”, I feel like cash tips are often a vehicle for tax evasion.

Tax avoidance. 

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Old school here always carry cash. Have a local Italian deli that I love that gives a 5% cash discount use it there a couple of times a month.  Last time I used it in an "emergency" was last winter.  Had a flat tire (Wisconsin winter).  I know how to change a tire. Loosened the lug nuts jacked up the car and could not get the tire to budge.  I was on my back underneath a jacked up vehicle (with those ####ty jacks) trying to kick it loose without being crushed by the vehicle with no luck.  I was just about to call AAA when a construction guys stops to help.  It was a bit emasculating but it took a number of whacks with the rubber mallet to get the tire off.  Vehicle only a year old but with cold weather, road salt and aluminum wheels tires can get almost locked on.  Anyway gave the guy a $20.  He didn't want to take it but damn he got me out of a bind.  Things like this happen and it would've be weird as hell for me to not give the dude something.

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8 minutes ago, EYLive said:

Tax avoidance. 

Usually "tax avoidance" implies not having a legal obligation to pay the tax.

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Cash tips is not only for tax avoidance but also so the server can dictate how much he/she has to share with the staff.  A percentage of their tips gets shared with bussers and other staff so if you want a bit extra to go to a fantastic server you give them cash.  I've had exceptional service at places and done a normal cc tip then handed the server cash directly.

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10 minutes ago, jvdesigns2002 said:
38 minutes ago, dgreen said:

I can think of zero instances when something I wanted was cash only AND it would be a significant inconvenience to go without it or get it elsewhere.

That’s the point. You carry a little bit around so that you don’t have to forecast every potential unexpected event or incident where having it is handy. I assure you that there will be moments where this is the case.  Banks , credit card terminals and merchant service processing centers are not infallible or full proof. Counting on them working 100% perfectly 100% of the time is risky.

The point, for those of us who don't typically carry cash, is that the mere act of not carrying cash is not "irresponsible". There are lots of other adjectives a person could use to describe such an act, but the non-cash folks don't think that particular word applies.

You've said that carrying cash is super easy and thus not doing it is irresponsible (paraphrasing, but I believe that to be an accurate summary of your statements). However, I argue that the mere fact that an act is easy to perform does not make it irresponsible if I choose not to perform that act.

Whether an act is irresponsible depends upon the severity of the consequences of performing the act or not performing the act.  To me, irresponsible implies a risk of significant negative consequence. Driving too fast can be irresponsible because there is a risk of serious injury or death. What is the significant negative consequence of not carrying cash at all times? A credit card terminal is unexpectedly down and I either go without lunch or get it somewhere else? I've seen the example of power being down for a few hours or days. My family keeps cash at home to deal with those scenarios. I don't believe anybody has presented a scenario where the lack of having immediate access to cash on my person could cause a significant negative consequence. 

So yes, carrying cash is easy and often nice. Not carrying cash on my person is NOT irresponsible. That is the point. 

 

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31 minutes ago, jvdesigns2002 said:

That’s the point. You carry a little bit around so that you don’t have to forecast every potential unexpected event or incident where having it is handy. I assure you that there will be moments where this is the case.  Banks , credit card terminals and merchant service processing centers are not infallible or full proof. Counting on them working 100% perfectly 100% of the time is risky.

I'm not counting on them working 100% perfectly 100% of the time. I'm of the belief that when that failure does happen, I'm going to be ok with not making that purchase at that time.

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17 minutes ago, FBG26 said:

The point, for those of us who don't typically carry cash, is that the mere act of not carrying cash is not "irresponsible". There are lots of other adjectives a person could use to describe such an act, but the non-cash folks don't think that particular word applies.

You've said that carrying cash is super easy and thus not doing it is irresponsible (paraphrasing, but I believe that to be an accurate summary of your statements). However, I argue that the mere fact that an act is easy to perform does not make it irresponsible if I choose not to perform that act.

Whether an act is irresponsible depends upon the severity of the consequences of performing the act or not performing the act.  To me, irresponsible implies a risk of significant negative consequence. Driving too fast can be irresponsible because there is a risk of serious injury or death. What is the significant negative consequence of not carrying cash at all times? A credit card terminal is unexpectedly down and I either go without lunch or get it somewhere else? I've seen the example of power being down for a few hours or days. My family keeps cash at home to deal with those scenarios. I don't believe anybody has presented a scenario where the lack of having immediate access to cash on my person could cause a significant negative consequence. 

So yes, carrying cash is easy and often nice. Not carrying cash on my person is NOT irresponsible. That is the point. 

 

You are not inaccurate except for one thing. I believe that there are multiple levels of immaturity and irresponsibility. I’ve never made the claim that the decision to not carry any cash is as irresponsible a behavior as speeding or not wearing a seatbelt— but that doesn’t mean I don’t think it’s irresponsible behavior at all.  If somebody wanted to characterize my thoughts on not carrying cash as being mildly irresponsible- that’s a accurate assessment. If you don’t think it’s irresponsible at all- that’s fine as everyone is entitled to creating their own boundaries or parameters.  With that said- I still firmly stand by my stance. It’s an effortless and no downside way of preparation that I have not seen a compelling argument against (aside from a few people here and there that don’t routinely carry a wallet or phone on them). 

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8 minutes ago, jvdesigns2002 said:

You are not inaccurate except for one thing. I believe that there are multiple levels of immaturity and irresponsibility. I’ve never made the claim that the decision to not carry any cash is as irresponsible a behavior as speeding or not wearing a seatbelt— but that doesn’t mean I don’t think it’s irresponsible behavior at all.  If somebody wanted to characterize my thoughts on not carrying cash as being mildly irresponsible- that’s a accurate assessment. If you don’t think it’s irresponsible at all- that’s fine as everyone is entitled to creating their own boundaries or parameters.  With that said- I still firmly stand by my stance. It’s an effortless and no downside way of preparation that I have not seen a compelling argument against (aside from a few people here and there that don’t routinely carry a wallet or phone on them). 

Fair enough, thanks. 

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49 minutes ago, -OZ- said:

Usually "tax avoidance" implies not having a legal obligation to pay the tax.

Good point.  I think tax evasion is the term we are looking for.

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4 minutes ago, Tom Hagen said:

Good point.  I think tax evasion is the term we are looking for.

Tax fraud seems like a good description.

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2 hours ago, dgreen said:

I'm not counting on them working 100% perfectly 100% of the time. I'm of the belief that when that failure does happen, I'm going to be ok with not making that purchase at that time.

This argument is basically boiling down to prepper -vs- non-prepper.

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3 hours ago, jvdesigns2002 said:

one can literally just ask for cash back the next time they make a purchase at a store with an atm card

Cool, I'll do that next time i make a purchase with my ATM card, which will be approximately... never. 

3 hours ago, jvdesigns2002 said:

This thread is not about going completely cash versus going completely digital. 

Right, let's not lose sight of the point here, which is that someone claimed not carrying a small amount of cash on their person at all times is immature and irresponsible. 

 

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4 hours ago, dgreen said:

I can think of zero instances when something I wanted was cash only AND it would be a significant inconvenience to go without it or get it elsewhere.

I can think of zero instances where having a 20 dollar bill and five singles in my wallet was an inconvenience. 

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I'm in the group that doesn't typically carry any, but I usually have a couple twenties tucked away either in my vehicle/travel bag just case.  It's saved me a couple of times.  A quick example:

Flew through Denver a couple years ago, flight was delayed getting there, arrived after 9 pm, I missed my connection, and some big Little League tournament and girls Cheerleading/Dance competition was going on all at the same time in Denver so the cheapest hotel I could find ANYWHERE was $400/night.  I said screw it, stayed overnight in the airport.  Only food place that was open was Taco Bell, and their card machine was down.  Having $20 in my bag kept me from strangling the poor teenage girl working at the Taco Bell that night. 

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32 minutes ago, parasaurolophus said:

I can think of zero instances where having a 20 dollar bill and five singles in my wallet was an inconvenience. 

I can think of zero instances where having a 20 dollar bill and five singles in my wallet was a necessity.

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59 minutes ago, parasaurolophus said:

I can think of zero instances where having a 20 dollar bill and five singles in my wallet was an inconvenience. 

I can't think of many. Usually it's no harm. I've lost cash before. Not a common occurrence but greater than zero instances. That's about a big of an inconvenience I can think of. When I have cash, I tend to feel like I have to check periodically to make sure it's there. Kind of like when I used to use paper tickets to get into sporting events. I would check multiple times on the way to make sure I still had them on me because I've lost them before or simply forgot to take them with me. Other than that rare inconvenience, I just find it annoying to carry cash.

I'm not critical of people who want to carry cash. To each their own.

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1 hour ago, Ignoratio Elenchi said:

Cool, I'll do that next time i make a purchase with my ATM card, which will be approximately... never. 

Right, let's not lose sight of the point here, which is that someone claimed not carrying a small amount of cash on their person at all times is immature and irresponsible. 

 

Seriously man--just drop it.  I've been polite and articulated my stance clearly and kindly to everybody --including yourself.  All you have done throughtout this entire thread is rain snark and rudeness with every post you make.   Just ignore me as I have zero desire to engage in any discussion with you.  I don't know how much clearer I can make it. Enjoy your day and leave me alone. 

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17 minutes ago, jvdesigns2002 said:

Seriously man--just drop it.  I've been polite and articulated my stance clearly and kindly to everybody --including yourself.  All you have done throughtout this entire thread is rain snark and rudeness with every post you make.   Just ignore me as I have zero desire to engage in any discussion with you.  I don't know how much clearer I can make it. Enjoy your day and leave me alone. 

Like so much else here, you have this exactly backwards. I’m sorry you said something silly and have felt obligated to defend it ever since, but you’re allowed to ignore me. That’s probably the mature and responsible thing to do. You’re not allowed to tell me to stop participating in the discussion, that’s not how it works. 

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Oh is this still going on?  :coffee:

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2 hours ago, nirad3 said:

Oh is this still going on?  :coffee:

:goodposting:

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I got $20 cash that this thread has a least 3 more pages in it.

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Just now, Foosball God said:

I got $20 cash that this thread has a least 3 more pages in it.

I'd love to bet, but have nothing on me.  Seriously though, this thread has incentivized me to cache some cash in my vehicle.

Also, have any of the money carriers considered moving to Yap?

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