tag:blogger.com,1999:blog-5623537812609722663.post2300462499767637619..comments2024-03-25T18:49:00.608+00:00Comments on The Pub Curmudgeon: Cash is still kingCurmudgeonhttp://www.blogger.com/profile/02558747878308766840noreply@blogger.comBlogger29125tag:blogger.com,1999:blog-5623537812609722663.post-2183267405554648802016-04-04T19:09:40.559+01:002016-04-04T19:09:40.559+01:00Why we should fear a cashless world<a href="http://www.theguardian.com/money/commentisfree/2016/mar/21/fear-cashless-world-contactless" rel="nofollow">Why we should fear a cashless world</a>Curmudgeonhttps://www.blogger.com/profile/02558747878308766840noreply@blogger.comtag:blogger.com,1999:blog-5623537812609722663.post-82458237891621915432016-03-31T18:39:38.699+01:002016-03-31T18:39:38.699+01:00Pub i'm at now it costs us more in fees to tak...Pub i'm at now it costs us more in fees to take cash than cards. Pub i'm setting up, we will have free banking so cards will be the more costly transaction, but i'd rather take them than lose sales. Pubs that charge or have a minimum spend for cards don't have their prices right!Kieran Lyonshttps://www.blogger.com/profile/10309306469722070363noreply@blogger.comtag:blogger.com,1999:blog-5623537812609722663.post-91772042920163328732016-03-30T21:48:13.602+01:002016-03-30T21:48:13.602+01:00Yes, of course you can, but that's very differ...Yes, of course you can, but that's very different to dipping into your back pocket to pay for a round and thinking "Fuck, I'm down to twenty quid!"nisakimanhttps://www.blogger.com/profile/04563041282703559939noreply@blogger.comtag:blogger.com,1999:blog-5623537812609722663.post-4643156609036376292016-03-29T18:26:22.648+01:002016-03-29T18:26:22.648+01:00nothing strange about it. Mudge is a notorious pis...nothing strange about it. Mudge is a notorious piss head. Well known for it. Banned from many pubs.Cooking Lagerhttps://www.blogger.com/profile/02830924433230427226noreply@blogger.comtag:blogger.com,1999:blog-5623537812609722663.post-58782321072040003752016-03-29T17:38:45.578+01:002016-03-29T17:38:45.578+01:00It isn't a matter of restraint or self control...It isn't a matter of restraint or self control. We older gentlemen tend to have very poor short term memories. I can rarely remember how much I have drunkDave Brownnoreply@blogger.comtag:blogger.com,1999:blog-5623537812609722663.post-69668148853871555722016-03-29T16:27:44.867+01:002016-03-29T16:27:44.867+01:00Only in London and big cities do these twats use c...Only in London and big cities do these twats use cards. Out in the provinces which is most of the country we all use cash. Nice and non traceable !Lucretius1https://www.blogger.com/profile/18213610249777895917noreply@blogger.comtag:blogger.com,1999:blog-5623537812609722663.post-52854145688265796942016-03-29T12:07:57.126+01:002016-03-29T12:07:57.126+01:00How strange. Is this complete lack of any form of ...How strange. Is this complete lack of any form of self-control or restraint a common feature amongst the older gentleman?<br /><br />PYnoreply@blogger.comtag:blogger.com,1999:blog-5623537812609722663.post-43144580840764994782016-03-29T10:17:16.324+01:002016-03-29T10:17:16.324+01:00In Derbyshire it seems that the introduction of ca...In Derbyshire it seems that the introduction of cards for bus travel will coincide with the withdraw of most bus services.dcbwhaleyhttps://www.blogger.com/profile/02585310584555592882noreply@blogger.comtag:blogger.com,1999:blog-5623537812609722663.post-7957895673697196182016-03-29T08:59:43.914+01:002016-03-29T08:59:43.914+01:00There really is no need for that. One app can easi...There really is no need for that. One app can easily pay the tab and automatically split it. Also depending on the establishment, you can get the bill automatically sent to your phone and paid for/split whilst your getting your coat on. Sat In A Pubhttps://www.blogger.com/profile/08123038980796000837noreply@blogger.comtag:blogger.com,1999:blog-5623537812609722663.post-50268914017529096002016-03-29T03:28:00.829+01:002016-03-29T03:28:00.829+01:00There's no limit if you enter your PIN... stil...There's no limit if you enter your PIN... still faster than cash unless it's a multiple of 5Curtishttps://www.blogger.com/profile/10289346865017922952noreply@blogger.comtag:blogger.com,1999:blog-5623537812609722663.post-75518184182485396432016-03-29T03:26:18.223+01:002016-03-29T03:26:18.223+01:00When you're having a pint you aren't in a ...When you're having a pint you aren't in a rush to get somewhere and you don't bother anybody if you spend 20 seconds fumbling through your wallet.Curtishttps://www.blogger.com/profile/10289346865017922952noreply@blogger.comtag:blogger.com,1999:blog-5623537812609722663.post-53019728677023571952016-03-28T19:16:35.569+01:002016-03-28T19:16:35.569+01:00You can place a limit on your contactless card.You can place a limit on your contactless card.Cooking Lagerhttps://www.blogger.com/profile/02830924433230427226noreply@blogger.comtag:blogger.com,1999:blog-5623537812609722663.post-44813796109937058992016-03-28T18:27:04.114+01:002016-03-28T18:27:04.114+01:00No the reason for using cash over card is that it ...No the reason for using cash over card is that it is self checking and self limiting. If I go out with fifty quid in my pocket I can easily check how much I have left and when it is all gone I stop spending. No politics about that.Dave Brownnoreply@blogger.comtag:blogger.com,1999:blog-5623537812609722663.post-54568235963123419292016-03-28T17:55:51.753+01:002016-03-28T17:55:51.753+01:00One interesting thing round here is the introducti...One interesting thing round here is the introduction of a Oyster-like card (Swift Card) for bus/train/Metro fares, which I got because of the problems of always needing change, especially as fares climb past £4 and I'm usually with my other half. It's been introduced just as London's buses accept debit cards directly...<br />stymasterhttp://www.piglet-net.net/pigblog/noreply@blogger.comtag:blogger.com,1999:blog-5623537812609722663.post-38025248433720493702016-03-28T17:17:03.756+01:002016-03-28T17:17:03.756+01:00Agreed, good write up. I've learned something ...Agreed, good write up. I've learned something new this week.Mark Wadsworthhttps://www.blogger.com/profile/07733511175178098449noreply@blogger.comtag:blogger.com,1999:blog-5623537812609722663.post-54426759105499602672016-03-28T17:06:11.956+01:002016-03-28T17:06:11.956+01:00One of the worst examples of that I've seen wa...One of the worst examples of that I've seen was where a group of five had shared a meal which between them came to about £40. They then insisted on each person paying their share separately by card. I was just leaving so didn't see the eventual outcome, but had I been behind the bar I would have been sorely tempted to tell them to bog off.Curmudgeonhttps://www.blogger.com/profile/02558747878308766840noreply@blogger.comtag:blogger.com,1999:blog-5623537812609722663.post-65777680673890408932016-03-28T17:01:27.244+01:002016-03-28T17:01:27.244+01:00There was an article in yesterday's Sunday Tim...There was an article in yesterday's Sunday Times money section entitled <a href="http://www.thesundaytimes.co.uk/sto/business/money/Consumer/article1681698.ece?CMP=OTH-gnws-standard-2016_03_26" rel="nofollow">Call me a dinosaur, but I'm keeping my passbook</a> (£). In this, he says:<br /><br /><i>"When I was a student, going out with only £10 in cash was a good way of exercising control. At 2 am we used to walk home penniless. With a contactless card, I would have been out until 5 am and gone home in a cab."</i><br /><br />Curmudgeonhttps://www.blogger.com/profile/02558747878308766840noreply@blogger.comtag:blogger.com,1999:blog-5623537812609722663.post-31815746372099557912016-03-28T16:54:32.293+01:002016-03-28T16:54:32.293+01:00I'm continually having to set tabs up in the p...I'm continually having to set tabs up in the pub when I've been caught without cash and am planning on having at least 3 or 4. The nearest cash machine is a fair trek away. Contactless at the bar would be so much more convenient for me. I've been saying for a while now that it should be available on the bar ( something The Dangerman, above, seems to see frequently but I personally never have.) Instead we get people having to type in pins and slowing service right down. Contactless in pubs is definitely a smart future, especially as younger crowds just seem to assume that all pubs will now have card machines so insist on paying for every damn drink with one. Mark Johnsonhttps://www.blogger.com/profile/08120450909482158409noreply@blogger.comtag:blogger.com,1999:blog-5623537812609722663.post-32261173694424553572016-03-28T16:41:32.973+01:002016-03-28T16:41:32.973+01:00Yes, something like that which you charge up at a ...Yes, something like that which you charge up at a cashpoint (or online) and then you can see the reducing balance would make it much easier to track your spending compared with a card that just takes it directly out of your current account.Curmudgeonhttps://www.blogger.com/profile/02558747878308766840noreply@blogger.comtag:blogger.com,1999:blog-5623537812609722663.post-90234238938463725732016-03-28T15:24:07.416+01:002016-03-28T15:24:07.416+01:00I think contactless payments have changed the play...I think contactless payments have changed the playing field somewhat. Someone like me who, prior to their introduction used a card no more than 2 or 3 times a year, now uses it daily. And most of my regular drinking circle do as well. There's also the issue of apps that have replaced cash payments in many restaurants and bars. Not forgetting Uber.<br /><br />Never had a problem with paying for just one pint via contactless anywhere. Although I must confess to feeling a little embarrassed the first time. Now though, crisps, nuts etc all get paid with swipe and pay. Sat In A Pubhttps://www.blogger.com/profile/08123038980796000837noreply@blogger.comtag:blogger.com,1999:blog-5623537812609722663.post-80897651641258338372016-03-28T12:44:51.557+01:002016-03-28T12:44:51.557+01:00Isn't one of the problems that pub landlords a...Isn't one of the problems that pub landlords are not really the most dynamic customer focused business people?<br /><br />It is often a mid life career change and a business ran for the convenience of themselves?<br /><br />You would have thought an innovation like the changing nature of "what is money" would have most dynamic small business people on top of it. Far from costing more, cashless cost less.<br /><br />To run a cash till you pay for the change you get from banks and you pay to put it in the bank and you pay if you need a security guard. I have a small business account and I pay a fee to pay in a cheque. Electronic transfers are free.<br /><br />For a small sum pubs and small shops can buy a cashless handheld terminal with small transaction costs which is cheaper overall than the token system of notes and coins.<br /><br />Yet pubs still put fees of card use. Like a small shop keeper putting a charge on cheques or card and moaning because we punters then go buy stuff at the local sainsburys which has no problem with card based small transactions.<br /><br />The only reason to keep using cash is a political one. If you think the government are watching what you buy and if you think negative interest rates are possible then you might want to keep cash alive by accepting its higher cost and inconvenience as a personal political act you hope others share. But if you really believe that then why place value in tokens? Why not buy and stash gold coins? Why not also keep dollars or Euros or yen? Maybe a supply of "snout"? Anything you think is a form of money.Cooking Lagerhttps://www.blogger.com/profile/02830924433230427226noreply@blogger.comtag:blogger.com,1999:blog-5623537812609722663.post-33311196575547294432016-03-28T10:51:56.819+01:002016-03-28T10:51:56.819+01:00My problem with cashless is keeping track of much ...My problem with cashless is keeping track of much you have spent. Now if the card had a small LCD screen indicating how much you had spent since last reset...<br />Also the the £30 limit is quite low if you buying a decent round.Dave Brownnoreply@blogger.comtag:blogger.com,1999:blog-5623537812609722663.post-22727614828777297722016-03-28T09:44:49.917+01:002016-03-28T09:44:49.917+01:00Single pint costs more than bus rides that people ...Single pint costs more than bus rides that people use oyster cards for.Cooking Lagerhttps://www.blogger.com/profile/02830924433230427226noreply@blogger.comtag:blogger.com,1999:blog-5623537812609722663.post-13364556890731476382016-03-28T03:04:40.088+01:002016-03-28T03:04:40.088+01:00Taking cash with you on a boozy night has the pote...Taking cash with you on a boozy night has the potential for losing it though,so that balances the careless spending argument. <br /><br />Most pubs in London will accept card payment for any amount now. It's rare that they will have a minimum spend. If they do they usually allow you to set up a tab to overcome this. Around 75% use contactless too. When the card reader is fixed to the bar Spoons style it is quicker than cash. I also find I don't come home with mountains of loose change anymore which is great. <br /><br />Cash is dying but I suspect we're still a generation away from retailers refusing cash. Whilst 5 years ago you might have been a bit unusual paying for drinks on card, it's now the other way round. I'm aware London isn't the UK but generally the rest of the UK follows suit in most respects. I carry an emergency £20 in my wallet but it's been there for a good few months now. The Dangermannoreply@blogger.comtag:blogger.com,1999:blog-5623537812609722663.post-17013690884879058272016-03-27T23:16:44.300+01:002016-03-27T23:16:44.300+01:00Don't sweat it, fella. The 80s bullseye contes...Don't sweat it, fella. The 80s bullseye contestant look rocks. It'll be back in style soon.Cooking Lagerhttps://www.blogger.com/profile/02830924433230427226noreply@blogger.com