A Quote by Geoff Capes
I hate my Visa card but have to use it for diesel, insurance and big items. I prefer paying by cash whenever possible because that way I feel as if I've got a better grasp on what I'm spending.
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I carry cash around with me all the time as I like buying dancers I'm working with snacks and drinks, but I also use my Amex card and a Coutts Visa card, which I always pay off in full every month. I hate the idea of being in debt.
We can think about how we reduce the pain in paying. So, for example, credit cards are wonderful mechanisms to reduce the pain of paying. If you go to a restaurant and you are paying cash, you would feel much worse than if you were paying with credit card. Why? You know the price, there's no surprise, but if you're paying cash, you feel a bit more guilt.
We should make it as easy as possible to be able to get a legal work visa - not citizenship, not a green card. Just a work visa, with a background check and a Social Security card so that applicable taxes would get paid.
I don't tend to carry much cash around, as I use my bank card whenever I can.
We've got people that are paying premiums of $1,000 a month out there, and then they've got a deductible of $1,000. If you're making $40,000, $50,000, $60,000 out there and you've got an Obamacare plan, by and large you've got an insurance card, but you don't have any care because you can't afford the deductible.
I try to use my debit card rather than a credit card, but I will use a credit card for big purchases because I bank with Coutts and I get points.
If you want to spend more money in restaurants, use credit cards more than cash. If you want to spend less, use cash more than credit cards. But in general, we can think about how to use the pain of paying and how much of it do we want. And I think we have like a range. Credit cards have very little pain of paying, debit cards have a little bit more because you feel like today, at least it is coming out of your checking account, and cash has much more.
Unfortunately, I've got airplanes that I can't even afford to use today that are sitting there. I'm still paying insurance on them; I'm still paying payments.
With paper printed books, you have certain freedoms. You can acquire the book anonymously by paying cash, which is the way I always buy books. I never use a credit card. I don't identify to any database when I buy books. Amazon takes away that freedom.
We're in a classic demand-shortfall recession. There aren't enough jobs because total spending is too low. Consumers won't lead the way because they're busy paying down debt and are fearful they'll lose their jobs, if they haven't already. Businesses, which are currently sitting on mountains of cash, won't spend either, because they already have sufficient capacity to produce more than people are willing to buy.
Health insurance, which is exceedingly difficult to secure as an individual in New York. Obamacare, while certainly better than nothing, is pretty awful, and if you have a complicated health history, as I do, you need premium insurance, which means private insurance. The challenge, though, is finding a company that will give you the privilege of paying up to $1,400 a month for it. When I didn't have a job, I spent more time thinking about insurance - not just paying for it, but securing it in the first place - than I wanted to.
When someone has to go to the hospital because they don't have insurance - and by the way, I think the insurance companies should be out of the mix altogether - but when someone needs health care, and they don't have the ability to pay for it, in our communities, we end up paying for it one way or the other.
PIO card holders- they have lot of visa issues. We decided they will get lifelong visa.
Someone stole my wallet last week. The guy called me up and he was mad at me. He was like 'you gotta get your finances together. You got no cash, your credit cards are maxed out. You don't even have minutes on your calling card. I had to use my card to call you.'
I use my American Express card whenever possible because I earn Air France points, which have taken me to America in business class. I like top quality so I will pay well for an item if I think it is finely made, but I'm not extravagant.
I am in favor of cutting taxes under any circumstances and for any excuse, for any reason, whenever it's possible. ... because I believe the big problem is not taxes, the big problem is spending.
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