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- 08-04-2004, 11:09 PM #16Steven J SobolGuest
Re: sprint stores - just pathetic
Isaiah Beard <[email protected]> wrote:
> Agreed, but it defies logic why anyone would waste the time and gas to
> drive to a Sprint store, wait in line, and then present cash to a
> payment machine, when you can do all that without ever leaving home.
Because sometimes I happen to have cash and am in the neighborhoood
surrounding the store, so the store is a couple minutes or less from
where I am.
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- 08-05-2004, 09:33 PM #17Isaiah BeardGuest
Re: sprint stores - just pathetic
Steven J Sobol wrote:
>>There's no need to even set FOOT in a Sprint store to make a payment,
>>unless you're doing it on a cash-only basis.... basically only if you
>>are a "ganster or drug dealer type" whose funds aren't exactly bankable.
>
>
> This is still a foolish generalization.
Then offer a reason why someone would want to live cash-only, other than
the ones I've already presented. Seriously, I would like to know what
legitimate advantage one would see in being unbanked.
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- 08-05-2004, 09:36 PM #18Isaiah BeardGuest
Re: sprint stores - just pathetic
Steven J Sobol wrote:
> Because sometimes I happen to have cash and am in the neighborhoood
> surrounding the store, so the store is a couple minutes or less from
> where I am.
*shrug* I guess. I prefer to keep my cash for places that don't take
plastic or checks (i.e. some eating establishments and mom and pop
businesses), or in situations where cash is more convenient than plastic
(i.e. splitting a dinner bill with friends). If I just use cash-on-hand
to pay my bills in person, then that increases the likelihood that I'll
have to then visit *two* machines: the Sprint payment machine, and an
ATM machine when I find I need cash again later.
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- 08-05-2004, 10:36 PM #19Chris PisarraGuest
Re: sprint stores - just pathetic
Isaiah Beard burbled to the world:
> Then offer a reason why someone would want to live cash-only, other
> than the ones I've already presented. Seriously, I would like to
> know what legitimate advantage one would see in being unbanked.
It's hardly an advantage, but an enormous percentage of
the black population has no bank account. Perhaps because there are no
banks in the black areas.
And I don't just mean poor people. I used to work next
to the main post office in SF. On the federal payday, the Bank of
America in my building has a special window open just to cash the
paychecks of the postal employees. Solid, decent paying jobs, but the
black people almost uniformly wanted green folding cash for their
checks.
The banks don't trust the black people, and the black
people don't trust the banks. I'm not getting into a discussion of why,
or who's right or wrong. Just reporting the reality I have seen.
Then there are a few zillion Latino's in California who
are also afraid of banks, if they have any documentation anyway. They
deal in cash. We pay our empolyees by check, and quite a few of them
turn right around and cash said checks in our pizza store.
So the reality is that there are a large number of
people who are not drug dealers or welfare bums who don't have, don't
want or can't get a bank account.
Chris
- 08-05-2004, 10:44 PM #20Steven J SobolGuest
Re: sprint stores - just pathetic
Isaiah Beard <[email protected]> wrote:
> Steven J Sobol wrote:
>
>
>>>There's no need to even set FOOT in a Sprint store to make a payment,
>>>unless you're doing it on a cash-only basis.... basically only if you
>>>are a "ganster or drug dealer type" whose funds aren't exactly bankable.
>>
>>
>> This is still a foolish generalization.
>
> Then offer a reason why someone would want to live cash-only, other than
> the ones I've already presented. Seriously, I would like to know what
> legitimate advantage one would see in being unbanked.
(a) If you can't get a checking account.
(b) If you don't want Sprint ever having any access to your checking account.
(b) sounds outrageous, but there is a bank through whom I used to have a
couple credit cards that I closed, and I'm now paying them off. I trust
this particular bank so little that I will not ever, EVER give them my checking
account number or routing number. I pay $8.50 for each monthly Mastercard
payment that I make, and $8.50 for each monthly payment on the Visa I had
through them (one MC, one Visa), because I would rather pay $17 per month to
make cash payments through Moneygram than risk someone at this particular
bank taking money out of the account that they're not supposed to take.
Needless to say, my experiences with them have not been good.
It's not outside the realm of possibility that a given customer may not trust
Sprint with anything other than cash. Likely? No, but possible.
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- 08-05-2004, 10:46 PM #21Steven J SobolGuest
Re: sprint stores - just pathetic
Chris Pisarra <[email protected]> wrote:
> Isaiah Beard burbled to the world:
>
>> Then offer a reason why someone would want to live cash-only, other
>> than the ones I've already presented. Seriously, I would like to
>> know what legitimate advantage one would see in being unbanked.
>
> It's hardly an advantage, but an enormous percentage of
> the black population has no bank account. Perhaps because there are no
> banks in the black areas.
This is utter BS. I grew up in Cleveland and lived there until last year.
Lived on the east side. I could drive up Chester or Euclid Avenues from
downtown, though neighborhoods that are mostly (or all) black, and still see
banks.
> So the reality is that there are a large number of
> people who are not drug dealers or welfare bums who don't have, don't
> want or can't get a bank account.
Your final assertion may be correct, but your evidence is suspect.
--
JustThe.net Internet & New Media Services, http://JustThe.net/
Steven J. Sobol, Geek In Charge / 888.480.4NET (4638) / [email protected]
PGP Key available from your friendly local key server (0xE3AE35ED)
Apple Valley, California Nothing scares me anymore. I have three kids.
- 08-05-2004, 11:04 PM #22Chris PisarraGuest
Re: sprint stores - just pathetic
Steven J Sobol burbled to the world:
>> It's hardly an advantage, but an enormous percentage
>> of the black population has no bank account. Perhaps because there
>> are no banks in the black areas.
>
> This is utter BS. I grew up in Cleveland and lived there until last
> year. Lived on the east side. I could drive up Chester or Euclid
> Avenues from downtown, though neighborhoods that are mostly (or all)
> black, and still see banks.
The world is more than East Cleveland.
Try driving around East Oakland, for instance. Or
Harlem, NY. Or Compton, CA. Damned few banks to be seen.
Chris
- 08-05-2004, 11:58 PM #23Steven J SobolGuest
Re: sprint stores - just pathetic
Chris Pisarra <[email protected]> wrote:
>
> The world is more than East Cleveland.
as a matter of fact, I was referring to Cleveland itself, not East Cleveland.
> Try driving around East Oakland, for instance. Or
> Harlem, NY. Or Compton, CA. Damned few banks to be seen.
I'm willing to believe there are few banks in Compton. You sound like you're
from the Bay Area so I believe you about Oakland. NYC used to be my second
home growing up, but I spent most of that time in Manhattan - never ventured
out to Harlem.
But the fallacy in your statement is the one that assumes that there is
only downtown, the ghetto, and the suburbs. Even East Cleveland, a dirt-
poor suburb of Cleveland, has its more upscale areas as well as the neighbor-
hoods where you'd better not poke your head out of your car or it'll get
shot off. Your assumption doesn't work for most major cities - not for New
York, not for Los Angeles, I'm sure not for Oakland or San Francisco, and
not for most of the less populous large cities either.
Or maybe I'm misunderstanding what you're saying.
--
JustThe.net Internet & New Media Services, http://JustThe.net/
Steven J. Sobol, Geek In Charge / 888.480.4NET (4638) / [email protected]
PGP Key available from your friendly local key server (0xE3AE35ED)
Apple Valley, California Nothing scares me anymore. I have three kids.
- 08-06-2004, 12:47 AM #24John RichardsGuest
Re: sprint stores - just pathetic
"Steven J Sobol" <[email protected]> wrote in message news:[email protected]...
> Isaiah Beard <[email protected]> wrote:
>
>> Agreed, but it defies logic why anyone would waste the time and gas to
>> drive to a Sprint store, wait in line, and then present cash to a
>> payment machine, when you can do all that without ever leaving home.
>
> Because sometimes I happen to have cash and am in the neighborhoood
> surrounding the store, so the store is a couple minutes or less from
> where I am.
Unless you expect to be at the same location every month, it's not a
consistent way to pay one's bills, not to mention the time wasted standing
in line. If you don't like automatic debit, you can pay online with a few
mouse clicks, and even better if you use a credit card that gives you a cash
rebate.
--
John Richards
- 08-06-2004, 12:20 PM #25John RichardsGuest
Re: sprint stores - just pathetic
"Chris Pisarra" <[email protected]> wrote in message news:wjEQc.252153$Oq2.39565@attbi_s52...
> Steven J Sobol burbled to the world:
>
>>> It's hardly an advantage, but an enormous percentage
>>> of the black population has no bank account. Perhaps because there
>>> are no banks in the black areas.
>>
>> This is utter BS. I grew up in Cleveland and lived there until last
>> year. Lived on the east side. I could drive up Chester or Euclid
>> Avenues from downtown, though neighborhoods that are mostly (or all)
>> black, and still see banks.
>
>
> The world is more than East Cleveland.
>
> Try driving around East Oakland, for instance. Or
> Harlem, NY. Or Compton, CA. Damned few banks to be seen.
Banks are in commercial areas, not residential areas. I happen to
live in a mostly white Bay area town where one can drive for miles
without seeing a bank. If I want to visit my bank, I have to drive
downtown, about 5 miles from my residence. Banks don't have
to be physically close to be useful. My paycheck goes in by
direct deposit, and if I need cash, most grocery stores will let
me use a debit card to get $50 cash back.
--
John Richards
- 08-06-2004, 12:23 PM #26Jim85CJGuest
Re: sprint stores - just pathetic
"Banks don't have to be physically close to be useful."
My credit union is 300+ miles away. I haven't seen a teller in years.
John Richards wrote:
> "Chris Pisarra" <[email protected]> wrote in message
> news:wjEQc.252153$Oq2.39565@attbi_s52...
>
>> Steven J Sobol burbled to the world:
>>
>>>> It's hardly an advantage, but an enormous percentage
>>>> of the black population has no bank account. Perhaps because there
>>>> are no banks in the black areas.
>>>
>>>
>>> This is utter BS. I grew up in Cleveland and lived there until last
>>> year. Lived on the east side. I could drive up Chester or Euclid
>>> Avenues from downtown, though neighborhoods that are mostly (or all)
>>> black, and still see banks.
>>
>>
>>
>> The world is more than East Cleveland.
>>
>> Try driving around East Oakland, for instance. Or
>> Harlem, NY. Or Compton, CA. Damned few banks to be seen.
>
>
> Banks are in commercial areas, not residential areas. I happen to
> live in a mostly white Bay area town where one can drive for miles
> without seeing a bank. If I want to visit my bank, I have to drive
> downtown, about 5 miles from my residence. Banks don't have
> to be physically close to be useful. My paycheck goes in by
> direct deposit, and if I need cash, most grocery stores will let
> me use a debit card to get $50 cash back.
>
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