Have you ever thought about having too much money? What would you do with it? I don’t mean what would you buy, or how you would treat yourself, but what would you do with a huge sum of cash?
Let me explain.
We do all of our banking online. Payments and paychecks go direct deposit to our account. We have little plastic cards we use to shop…for everything. Rarely do we carry more than twenty dollars on our person.
A friend of mine was recently robbed in the parking lot of a supermarket. Her purse was grabbed out of her shopping cart as she went to put her items into the trunk of her car. In fifteen minutes she had cancelled all of her cards using someone else’s cell phone.
When people pay us with checks or money orders, we scan those on the computer or cell phone and the amount is instantly deposited into our bank account. The convenience is something we have become accustomed to. When we pay for services in situations where the provider has no card swiper, like the yard men and housekeepers, we pay with checks.
So, my husband had this Land Rover that has been with him since 1972. He brought it back from England in the 1990’s. It has sailed across the ocean and stayed in his garage forever, until he finally gave it the attention it needed to have it ready to sell.
My husband is a big online shopper and seller. He deals with auto parts online almost every day. We don’t even subscribe to a newspaper or magazines anymore. Last year, everything purchased for Christmas was bought online. Everything is done online. Of course, when he got ready to sell the Land Rover, he marketed it online and had a buyer within the first week.
The guy drove over from the coast, so we knew he was serious. He took the Land Rover for a few drives and offered my husband exactly what he was asking for it, $12,000.00. No problem. Great! Marvelous!
Only, he paid in cash.
So here we were, suddenly drawing the curtains, sleeping with gun box by the head of the bed, using the security system every night (something we don’t do if we are home), fearing that someone from “Crime Hills” was going to come into our neighborhood and bust through the glass and rob us. When nobody A) knew we had this money, B) has ever done that before. Now, it wasn’t like winning the lottery, but I have a much greater appreciation for the paranoia that most winners develop.
How to deal with this?
We called all around trying to find a place we could purchase a money order to scan to our online bank, which is located in Texas. NOBODY would make money orders for amounts greater than five hundred dollars. Western Union wanted to charge us a small fortune, and the bank had complications with accepting it via Western Union. Then, the bank tells us that we have to send money orders through UPS, and they would only accept up to $6000.00 deposit via money order to one account in one day. So we figured half in my account and half in my husband’s account.
We ended up at the local supermarket buying money orders. Twenty four of them. Can you imagine, with all of the forms to fill out to buy one, just how long that took?
Then, we walked over to the UPS place, which was conveniently in the same shopping complex. After having spent an hour at the grocery store, with a mile long angry (babies crying, parents screaming, people swearing) line behind us at the customer service desk, we had twenty four more forms to fill out, and the machine that processed the transactions took about twenty minutes per transaction. The man processing our money orders, one at a time, was at least kind enough to give attention to folks coming in for other services so we didn’t feel so awkward, but it did mean OUR wait was longer, as having to give other customers attention also meant we had to wait for his attention periodically. No problem…it was not his fault.
I kid you not, ten hours later; with crippled writing fingers, our money was safely in the bank.
We were exhausted. That was a whole day’s work and then some. We had to laugh to keep from crying.
Have modern conveniences caused you more inconvenience than they should?