Cash or Credit or Debit: Generational
AdventureMan and I are not even typical of our generation. Living overseas, living in so many countries, we just got used to paying in cash. In our early years, even countries like France had more places that didn’t take credit cards than places that did. When it comes to buying gas in France, you’d better have a bucketful of cash 😉
But even those in our generation tend to pull out their credit cards for meals out, so this week AdventureMan asked wait staff percentages of who paid cash and who paid with cards. The most common answer was around 85% paid with a card.
I can understand. The restaurants/stores don’t have to keep as much money on hand for change, so it is easier on them, and those who pay with a card can track their expenses. Part of me laughs and says I think we don’t want to track our eating-out expenses, and another part thinks that because we pay cash, we probably don’t indulge in extras so often, which, for us, is a good thing. If we have dessert, we normally split it.
I do remember how wonderful it was to be able to pay all the tolls on the toll roads in France with a credit card, how wonderfully easy it was to use my credit card and the ATM’s in Kuwait and Qatar and Saudi Arabia – for some reason, it was like they were years ahead of the USA in banking technology, and banking by phone. But even there, in the smaller shops, you needed cash.
So I read with interest this column from The Motley Fool, on AOL News:
Pssst, Millennials! When You Pay, Choose Credit, Not Debit
Hey, millennial! Yes, you there, standing in line at the Starbucks (SBUX) counter, tapping away on your smartphone, with the button-like doodads growing into your earlobes — put away that debit card.
No, don’t worry. No one’s going to nag you about buying a cup of overpriced coffee. We all have our vices. And you’re still basking in the fresh glow of youth. At least your vices won’t hurt you as much as they’d hurt us old codgers.
But the way you’re buying your coffee — you’re doing it wrong. And you’re not alone.
Paper or Plastic?
According to a recent survey by CreditCards.com, only about 1 in 3 American consumers currently uses a plastic card — credit or debit — when buying something that costs $5 or less. Most folks still pay with cash for such small purchases, with folks ages 65 and up having the greatest fondness for paying with greenbacks (82 percent).
But when it comes to the Millennials, 51 percent use plastic to pay for such purchases.
On one hand, that’s not terribly surprising. The younger you are, the more comfortable you are paying with plastic, which didn’t gain widespread acceptance in America until the 1960s. Conversely, the older you are, the more likely you’ve been told, at some point in your life, that shopping with cash is a good way to limit your spending and encourage saving.
There’s only so much cash that will fit in your wallet, and if you limit yourself to paying in cash — you eventually run out. Old folks like me, whose memories aren’t what they used to be (and maybe never were), like this “automatic” check on spending. And as a result, CreditCards.com reports that the older a consumer is, the more likely he or she is to pay for small purchases in cash than to pull out a plastic card.
Not All Plastic Is Created Equal
Among plastic cards, nationally, consumers are about twice as likely (22 percent) to use a debit card to pay for a small purchase as to put the purchase on credit (11 percent). When the data is broken down by age group, it turns out that millennials are even more fond of debit cards than the average shopper. Consumers ages 18 to 29 use debit cards more often than any other age group when making small purchases.
But here’s the thing: Debit and credit cards may be nearly equal in their convenience of use when shopping for small items (eliminating the need to carry weighty pockets, jingling with unwanted coins). But they’re not at all equal in the financial benefits they convey to a consumer.
To cite the most obvious example, credit cards often offer you “rewards” for using them. With card companies charging retailers fat interchange fees for every transaction they process, they can afford to pay you generously when you “choose plastic.” Airline miles; “points” redeemable for cash back, account credits, merchandise, and gift cards; and just plain cash-back offers, as high as 5 percent, all make the choice between credit and debit a bit of a no-brainer. (Granted, some debit cards offer rewards of their own — but they’re rare, hard to find and usually much less generous.)
But rewards are only the most obvious monetary benefit of choosing credit over debit. Consider: When you pay for a purchase — large or small — with a debit card, that money is almost immediately deducted from your account.
What Warren Buffett Thinks
In contrast, a charge placed on a credit card is a debt that doesn’t come due — and needn’t be paid — until your credit card bill is sent to you. Depending on the date of purchase and the due date on your credit card bill, you may not have to pay that bill for as long as a month — which means you may be able to hang on to your money, and collect interest on it at your bank, for that time. (Super-investor Warren Buffett calls this concept of using someone else’s money, and collecting interest on it for your own benefit, “free float,” and deadpans that his business partner “Charlie and I find this enjoyable.”)
Granted, with the ultra-low interest rates that banks are paying on checking accounts these days, free float isn’t as profitable as it used to be — probably only pennies per credit card billing cycle. But still, free money is free money. Are you going to turn it down because you’re not being offered enough free money?
Of course, you do need to remember to pay your credit card bill on time, so as not to get hit by late fees. But as long as you can manage that, a credit card isn’t really a card you use for taking out long-term credit at all. It’s a pay-once-a-month debit card — that pays you free money every month.
The High Cost of Not Buying on Credit
Another advantage: CreditCards.com quotes Martin Lynch, director of education of the Cambridge Credit Counseling Corp. of Massachusetts, noting that “debit cards … can’t be reported to the credit bureaus and, thus, they don’t build [up] credit [ratings].” Building up a strong credit rating is crucial to a young person looking to buy his or her first car or to secure a mortgage on a starter home.
Getting charges and on-time payments, onto your credit report — to establish a track record as a reliable borrower — is therefore a good thing. It’s something you want to do as often as possible, and using a credit card to pay for small purchases is a great way to build up your credit report quickly.
Melinda Opperman, senior vice president of community outreach at Springboard Nonprofit Consumer Credit Management Inc., another expert interviewed by CreditCards.com, echoes the sentiment: “We like the idea of using credit cards frequently for small, manageable expenses. This gives users the benefit of an active credit history, but leaves them with monthly bills that are small enough to pay off in full, so they don’t have to pay any interest.”
Suffice it to say, any idea that’s supported by professional credit counselors, and by the world’s third richest man, is one that millennials would be well advised to take to heart.
Motley Fool contributor Rich Smith has no position in any stocks mentioned, and hasn’t used a debit card in years. The Motley Fool recommends and owns shares of Starbucks. To read about our favorite high-yielding dividend stocks for any investor, check out our free report.
Khons Asian Bistro on Palafox in Pensacola
One of America’s best streets just got better with the addition of another great eating adventure as Khons Asian Bistro on Palafox opened a month or so ago with Asian fusion cooking. While most of the diners there were ordering sushi, we opted for the miso soup and hot plates. The waiter particularly likes the fried rice dish, which we considered, but ended up ordering the Cambodian chicken, me in lettuce wraps and AdventureMan with rice.
When our main dishes arrived, he grumped – just a little – because he paid three dollars more, and the only difference was that his lettuce was chopped, and he got rice.
“I paid three more dollars for rice” he mourned.
Not for long. The food was delicious, all the tastes fresh and tasty. Just enough spice. In fact, while I really like spicy, I got a hunk of jalepeno in my soup that nearly took my breath away. Our very helpful waitress said next time she would personally make sure that all the seeds were removed. I don’t mind spicy; this just caught me by surprise.
What I love, in addition to the fresh, healthy, tasty food, is the interior. Khon’s uses a deeply greyed blue, very undersea feeling, and silver. Even the chairs (which are comfortable) have silver seats, and that piqued my sense of fun. I love the scaly backdrop behind the sushi bar; the suggestion of a fish tail. We really enjoyed the entire experience, and we are glad they are there and doing so well. They have a brisk lunch crowd, so get there early.
The Fishing Hole; Elegance on Brent
We were actually just turning around to head back to another restaurant for lunch when we saw the Fishing Hole and decided, as we often do, arbitrarily and spontaneously, to give it a try. We used to drive our son crazy that way (not intentionally) by saying “Hey, we are heading for X” and then part way there, changing our minds. He would yell “No Bait and Switch!” (even as a teenager, he was lawyerly) and we would reluctantly go where we had planned. Now, without supervision, we can do as we wish.
(Our son has actually confided that now, as a grown-up, he and his family occasionally do the same thing.)
The Fishing Hole is on Brent. For those of you not from around Pensacola, Brent is a thoroughfare. It’s not an uptown kind of street.
From the outside, The Fishing Hole looks like a fast food place. It has items painted on the inside window, and it looks small.
When we walked in, we were blown away immediately. We walked into a beautiful bistro-style space and were greeted by wait staff dressed in black, with classic long white aprons, very European. They ushered us into the dining room, which has deep red walls above white wainscoting, with spare design elements on the walls – again, very French in feel, and elegant. The tables are all a deep colored wood, comfortable wooden chairs, and spacious.
The first thing I saw on the menu was a shrimp and crab chowder, of which I ordered a cup. This is a very large “cup” and is served with a little pitcher of sherry, which you can add to your own taste. It was purely fabulous. I would go back again just for that signature chowder.
I also ordered the fish tacos, which were very fresh tasting, very delicious and healthy:
AdventureMan had the Oyster Sandwich, which was equally delicious. He also ordered hushpuppies and oh my word, those hushpuppies were perfect.
Because my fish tacos were so healthy, we decided to split an order of peach pie. When it arrived, we almost fell over. It was beautiful, and it was also huge. The taste was spectacular; it had a crust made of graham cracker and toasted walnuts, and it added a unique and wonderful texture and flavor to an already delicious peach pie. As you can see, the presentation is beautiful.
From that startling entrance into unexpected elegance, to our departure, this was a delightful experience. The wait staff is eager to please, willing to explain the menu and answer questions. The service was impeccable. The food was fabulous. We can’t wait to go back.
They have a FaceBook page; check to see which nights they are open for dinner, and make a reservation. The word is getting around, and this place is packed for dinner.
15 Brent Ln
Pensacola, Florida
(850) 912-6664
10:00am – 8:00pm
ECUA Water/Sewer “Averaging” in Pensacola
My third year in Pensacola, I got a huge shock. My water/sewage bill jumped, jumped horribly. I knew we had used a lot of water in October and November of the previous year, because we had installed some new landscaping in October which needed watering in, but I had no idea why EVERY month my bill was so high.
Then the fourth year, the bill came and it was so low, I called and said “I think there has been a mistake.” I didn’t want to be getting a huge bill the next month to rectify the mistake. The wonderful customer service woman asked me if I didn’t know about “averaging.” No. I’m new. I don’t know about averaging, and I have never heard anyone talk about it.
She explained that in November, December and January, they average water use and then use it to estimate the sewage bill for the entire year, since they can’t separate water used for watering lawns and water used that goes into sewage. Most people, she explained, turn off their outside water around November. Evidently, horrified by my huge bills resulting from watering in the landscaping, I had been extremely careful in the last year, and was greatly blessed with much smaller water bills.
As it turns out, it’s not just new people who don’t know about “averaging.” There are a lot of people who have lived here their entire lives who don’t know about it either. Last year, aware of averaging, I watched for the announcement, which wasn’t really an announcement. In the ECUA newsletter, buried deep in one of the columns, was a mention that averaging would begin in November, depending on your billing, on or around the middle of November.
You can call ECUA Customer Service (850-476-0480) and find out close to when your meter is checked in November – for you, that is when averaging starts. Averaging runs November – December – January and measures how much water you use and uses that to compute your sewerage amount. If you are careful about your water use in those three months, you will lower your water bill for the entire year.
Bonefish Grill in Pensacola for Saturday Lunch
Not a lot going on at Bonefish Grill on 12th Avenue in Pensacola, near the airport, at least at lunch time. We’ve been here on week-end nights when the wait is an hour or more for a table, but today, the place is almost empty.
We are seated, and service is, as always at Bonefish, superb. Some establishments really know how to train and how to maintain their high levels, and no one can ever fault Bonefish on service.
We went for appetizers and salads. Our son introduced us to Bang Bang Shrimp when Bonefish first opened, and it has been a big favorite ever since:
I had the Caesar Salad with grilled salmon – yummy, but not the best in town.
Adventure Man had the house salad, which he said was delicious, but a little boring.
Since we had filled up on Bang Bang Shrimp, we both had salad to take home with us. What is not to love about Bonefish packaging 🙂 just a nice little extra touch.
We were frankly disappointed. We had been happy to discover Bonefish open at lunch, but disappointed at the limited menu selections, and the lackluster appearance of the restaurant. There was another issue. Sometimes in Florida, in some stores you will smell a smell that I can only describe as “these floors were washed with dirty water.” AdventureMan does not smell it, but it is so loathsome to me that it spoils my shopping, and, in this case, my meal. There was a very faint smell of that not-quite-clean smell, and it distracted me.
As mentioned, the service was, as ever, superb but we won’t be hurrying back any time soon.
The Cable Bill: A Tiresome Battle
Every year around this time, we get a whopper of a cable bill, far above our normal bill.
And we gird for war.
I used to handle it and AdventureMan would sometimes laugh from his office. (Once an insurance agent said to me “You READ the policy??” when I told her I was discontinuing it because the things it covered were things that didn’t apply, and the things that I needed weren’t covered.) When AdventureMan volunteered to handle the annual cable bill call, I danced for joy.
If you want to win, you have to have a strategy. But not any old strategy is going to win the cable bill battle, you have to have the strength and fortitude for THE LONG PHONE CALL.
As we do this, I can hear my Dad’s voice as he would do battle over the phone, with the post office over an extra charge on a package, or a financial institution about just when that interest should be paid and how it should be calculated.
You can’t do this unless you have the time and energy.
AdventureMan ultimately prevails, and saved us over $600 over the course of the cable year, but it is a tedious battle, at one point, the equivalent of a siege, a battle of attrition, as he goes through what we are buying line by line.
The cable representative, however, has his own weapons – wire and smoke and mirrors, disguised as bundles and discounts and specials. They can “stack” some, but not others, and the packages may not be as described. It’s dirty warfare, down in the trenches, but the ultimate weapon is that AdventureMan has the time, and they have their time limits.
One day we are hoping to walk away from cable altogether, but until we can figure out how to get Downton Abbey, Game of Thrones, and other programs we like on a reliable basis, we stick with the devil we know.
Total WOW at Pot Roast And Pinot
So Pot Roast and Pinot has been open for months now, and although we have heard good things, we couldn’t bring ourselves to go. We hear the food is wonderful. People rave about it. But . . . pot roast? Pot roast is that tasteless Sunday dish anyone can make, stringy meat, watery gravy . . . hmmmmm, no, that doesn’t sound good to me, nor to AdventureMan.
But one day I said “we really have to go, so we can have an informed opinion” and we both kept coming up with alternatives, we were so unenthusiastic. Then, AdventureMan googled the Menu at Pot Roast and Pinot and his opinion shifted. “We should go,” he said, “We should give them a try. Their menu is interesting.”
As we entered, we mentally groaned. It’s all hard surfaces and hard chairs and a hard looking bench along one set of windows. The chairs are not actually hard to sit in, and that is good, because service is relaxed, i.e. slow. They aren’t slow in a bad way, they let you take your time ordering, they don’t rush you. We spend longer at Pot Roast and Pinot than we spend in other restaurants (and we have eaten there twice now). It’s an urban feel, with an open kitchen.
It also gets crowded fast. We’ve been once for lunch, once for dinner, and this is a popular place. Both times, we ended up sitting at ‘high tops’ in chairs I have to climb up on and have difficulty dismounting gracefully.
Those are the negatives.
The meals, the preparation and the presentation overcome the negatives. The food at Pot Roast and Pinot is ripe with robust flavors.
This is what it looks like mid-day inside. I love the frosted windows that let in the light but hide the traffic outside on Cervantes.
This is the sign on the outside, as well as the logo on their glass. I think they need to be more specific for most people – many won’t guess that it is supposed to be a Pot Roast and Pinot.
Here is their signature soup, and our first hint of the delights to come – Tomato Florentine Soup. It hits your mouth with a burst of flavor, the ripest intense tomatoes, basil, spinach, it’s all there with some mild but enhancing herbs. A Total WOW.
My starter was a beet salad, and another ‘oh, WOW.’ Thick, meaty slices of red beets AND a golden beet, woven together, a smokey tomato, very tasty, and a smokey vinaigrette dressing, with a sprinkle of a mild goat cheese. This salad was a rich tapestry of perfectly blended ingredients.
My main course was a bowl of Gumbo, and this was one of the best Gumbos I have ever eaten. It was a very manly treatment of Gumbo, thicker than most, a rich thick brown roux binding it all together with great big shrimp and spicy bites of andouille and every bite as flavorful as the last. This was so filling, I couldn’t even eat half of it, and I had the rest at night for dinner. It was just as delicious for dinner as it was for lunch. It had a beautiful garnish of deep fried okra on top, wasted on me, as I am not a big fan of okra, but I appreciate the effort and the artistry 🙂
AdventureMan was in heaven. He ordered the grilled vegetables. He got a plate glistening with a great variety of vegetables, each more luscious than the previous. He said he would order this dish again in a heartbeat, it was so good.
We had them pack up our leftovers so we could split a dessert. I love love love the drip-free container for my Gumbo. The lid fits tightly and doesn’t spill a drop, wooo hooooo!
The Creme Brulee’ changes from day to day, and this day was chock full of huge blueberries. It was perfectly crisped, not burned, with a smooth interior. Magnificent!
When we went back, it was night (not good for photos) and crowded (not good for photos) and we were with friends (not a good time to take food photos) but the food was equally good. One friend actually ordered the pot roast, of which he ate EVERY bite and declared it very tasty, and another ordered the Surf and Turf special, which was also perfectly prepared.
One friend is totally Gluten Free, and appreciated the goodly number of gluten free options on the menu. She has to be very careful what she eats; when she had questions, the waitstaff were very helpful at getting confirmations for her.
We all enjoyed the Chocolate Mousse for dessert, and I think as much as I like their Creme Brulee’, I am totally hooked on their Chocolate Mousse!
Pedestrian name; world class flavor. Forget the name, go for the flavors. There is no place like this in Pensacola.
Golden Palace: Packed When Tudo’s Closes
We were on the way to get my foot x-rayed and AdventureMan had promised me lunch at one of my favorite places in Pensacola, Tudo’s. When we arrived, the parking lot was empty – that’s not a good sign. There was a notice on the door that the restaurant was closed for ‘new equipments,’ and would open again soon.
We’ve seen Golden Palace (I love that on their website they have steam wafting up from the Pho), two doors north of Tudo’s several times, but you know, you feel sort of disloyal to your favorite restaurant when you try another of the same genre, but especially if they are so closely located. But now we could give it a try, guilt-free.
The place was packed. There was a line. We chatted with the woman in front of us who said she had also intended to eat at Tudo’s – I am guessing most of the clientele were people who would otherwise be eating at Tudo’s. Lucky day for Gholden Palace 🙂
We started with soup, and the soup was tasty, rich in flavor, delicious:
I tried the shrimp with lemongrass, and it was very nice, very generous with the shrimp, I couldn’t eat it all:
AdventureMan had the salad rolls, full of BBQ pork, also very tasty:
Golden Palace is worth a visit. Tudo’s really has the Vietnamese-favorite-in-Pensacola medal all sewn up, but Golden Palace has its own merits. I was particularly impressed at the grace and efficiency with which they managed to serve a great many customers and keep them happy.
“Perfect!” The Bridge Restaurant in Anchorage
Language changes, and usage changes, and one of the differences I heard on this trip was an increasing use of the word “Perfect!”
We had eaten at Mooses Tooth (see below) and we wanted to change up the pace for our last night in Anchorage, finishing with really really good seafood in Anchorage. We decided on The Bridge, and we decided to make reservations.
“I’d like a reservation for two at seven o-clock” I said and the lady taking the reservation said “Perfect!”
She asked our name and I told her and she said “Perfect!”
Our name is perfect? That we gave her our name is perfect? That she wrote it down perfectly?
I told her we would see her at seven and she said . . . well, you can guess what she said:
“PERFECT!”
It took us a missed exit and some driving around to actually find The Bridge, and oh, what fun. It is in the downtown most part of downtown Anchorage, on the banks of the river, spanning the river.
There are a lot of parking lots with limited parking, limited to like two hours because they have so many people wanting to fish in this river. At seven at night, this river was PACKED. The river was packed with people, fishing! They had gorgeous weather, and the fish were biting.
This is the kitchen at The Bridge:
And this is a view of a part of the interior. There are a variety of seating areas; this area was for those who had reservations. There was seating on a patio, but this is a very brightly lit place on a hot, sunshiney day, and I am glad to be inside, out of the hot sun, hot sun at seven at night – it’s the equinox.
We loved this restaurant, and while we had many wonderful experiences on this trip, this would be one of my first choices going back. It’s a little off the beaten trail, (although we saw two tables of eight reserved for Orvis fisherpeople) and the people who worked there seemed to really love working there. At least half of the people were from Anchorage.
We ordered the Smoked Salmon Pate, not realizing we would also get more pate with our bread. The Bridge is like that; it gives you more than you expect. Sorry for the high contrast photos; there is a lot of bright sun I am working with here.
AdventureMan also ordered crab legs, not realizing they came on the appetizer buffet you get with the full meal, which we ordered. We ordered too much food for our last night in Anchorage, when it didn’t make sense to take food back with us.
The Bridge has a fabulous appetizer buffet.
For his main course, AdventureMan had the grilled halibut, which he says was the best on his entire trip:
And I could not resist ordering The Bridge’s Alaska Cioppino – I am a sucker for Cioppino, and this was exquisite.
They also had rhubarb crisp as a dessert, but I could not even think about eating another bite. Next time I hit The Bridge, I will start with the Rhubarb Crisp 🙂
The Bridge is only open for the summer season. It is a total WOW.
It was (you guessed it!) “PERFECT!”
The Qatari Cat Gets a New Knee
******* WARNING ********* WARNING **********
If you are squeamish at all, do not read this blog post or look at the last photo, which is graphic.
****** END WARNING *********************
Qatari Cat Before
The Qatari Cat is home now, quiet and relaxed, stretched out in his favorite area. The Vet told us, as he scratched his head, that they would really like to keep him for another day, but he wasn’t acting normally. He’s all groaning and moaning and biting anything around him. They were at their wit’s end, and hated to see him so unhappy. Did we want to leave him or did we think he might be better at home?
We didn’t hesitate.
“We’ll take him home,” we said, knowing home is a quiet, safe place where the Qatari Cat can calm down and focus on healing.
Who knew? Who knew cats could bust their anterior crucial ligament? Who knew that it doesn’t repair itself, and that it would put stress on the other leg and that one would eventually tear, too?
We are learning all the time. In the old days, cats didn’t live long enough to get diabetes, to need a knee replacement. Cats went outdoors and had fatal run ins with cars, or racoons, or bad dogs, or mean people, or poisons. We’ve had five other cats in our lives together, and the Qatari Cat is the one we expected would not live so long, a tiny little street-cat with an infection when adopted.
We’ve kept him indoors (except for the rare instances, in Qatar, when he escaped, but not for long). Once, when he escaped, he climbed a tree. It was a very skinny tree, and as the wind blew and he got frightened, he kept climbing higher, until he was swaying back and forth, back and forth, and yowling at the top of his voice in pure panic.
Good thing he had that set of lungs, so I could find him. It took me another hour to talk him down out of that tree. “Qatari Cat” I said, over and over, “You are OK. You can come down,” and I would pat the tree. Over and over – you have to keep it simple for a scared cat. At long last, we locked eyes, he turned around and slowly edged his way down the tree, head first. I think that was a very scary thing for him, but he trusted me, and he came down. When he would hesitate, I would pat the tree and say “Qatari Cat, come.” He still comes when I call him and pat.
While we were still living in Qatar, he jumped from somewhere and developed a limp. From time to time, especially when the weather is cold, the limp, always the same leg, would become more pronounced. Recently, as he was trying to make a sharp turn, he screeeeeeched in pain, and after that, he had a serious limp.
The vet showed us his x-rays; his knee was totally torn. We waited until we were back from Alaska, so we could be here exactly for his reason – the Qatari Cat does best at home. He also does well at We Tuck ‘Em Inn, but he does not do well when he can smell fear and when he is fearful. When he is fearful, he is a fearful and awesome creature, spitting, hissing, biting and twisting. He instills fear in the most stalwart heart.
When we first saw him, at the vet’s office, (they were SO glad to get rid of him) he was growling and snarling, and he settled down in the car, a little, growling only now and then.
As soon as we got him home, we opened the carrier door and left him alone. Then the moaning began in earnest. He wanted to come out, but when he would turn to get in leaving position, his leg hurt, his wound hurt – a LOT, and he would let out a long, low, pitiful GROOOO-AAAAAAAA-AAAANNNNNNNNN. We had to leave him be. We had to let him do it himself.
AdventureMan had a special treat for him, canned catfood with SALMON. It helped him move himself out of the carrier:
And this is what his leg looks like. The instructions say it should heal in 10 to 14 days. We’re hoping he feels a lot better before then.
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