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Old 03-01-2015, 01:17 PM   #43
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Read this thread before deciding to carry a large amount of cash.

Civil Asset Forfeiture
I was just thinking that myself.
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Old 03-01-2015, 01:22 PM   #44
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Penfed for gas, and I carry $1k for emergencies, such as CC getting hacked or stolen. (It's happened before) The money goes in the safe and does not get touched.
But if they jack the coach you don't have the $$
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Old 03-01-2015, 01:51 PM   #45
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THe problem with cash: Some jerk may decide to bop you over the head and releieve you of it, or,, Well we had a couple of tenters here in the park who's story was "I pulled my keys out of my pocket and my cash came with them and fell on the ground and was lost".

Alas, these folks were conflicted, cause the body language was that of a long term homeless person.

But when the wife lost control of a car and smacked a tree, they had a loaner the very next morning (insurance paid) nice car too.

With cards, (Credit or Debit) thieves put skimmers on the fuel pump or ATM or whatever and snag your card info, and by other means, figures out how to snag your PIN and then he's off to do a bit of shopping.

One clerk in an auto rental space made copies of the client's credit card and handed it to his brother, when the bank called the client she informed them she had not made the purchases indicated.

They set it up so the package was delivered, but the UPS driver had a "Trainee" with him who actually handed the brother of the clerk the pad to sign.

Then the trainee took off her browns and showed him her blues.. Yup, State Trooper.
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Old 03-01-2015, 02:03 PM   #46
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Originally Posted by jplante4 View Post
Read this thread before deciding to carry a large amount of cash.

Civil Asset Forfeiture
For the amounts of cash people are talking about carrying on a trip, this is way out of context as a possibility, the original amount to even be questioned was $20,000, and that was back in the eightys when the law was first established( I'm sure it has been raised since then). If you had that much money ie to buy a car cash or other big cash purchase and were actually stopped, all you have to do is show a banking account it came from and/or a source of income. If you are not running drugs or associating with those that do this is absolutely the least thing to worry about while out MH'ing, no matter how much cash you choose to carry.
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Old 03-01-2015, 02:31 PM   #47
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Cash and two credit cards. If long trip, will also take my seldom used check book.
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Old 03-01-2015, 02:51 PM   #48
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As I almost never need cash at home, I use a debit or CC, I figured everywhere in America was the same. On our cross country trip several years ago, we made it as far as from WA to IL before it became a problem. The toll roads in IL would only accept cash tossed into baskets at unmanned exits. We had to wave at the camera at the first one because we had no cash to pay the toll. They never did come after us but just to be safe, I plan to avoid the Land of Lincoln from now on. Tolls were very expensive for a truck and TT on I90 through Chicago and despite getting cash, it was quickly depleted especially on that last bridge going into Indiana. From now on we carry a small amount of cash for these contingencies. I hope we aren't wanted people in Illinois but I did sell the truck and trailer so I guess we'd have to pulled over to find out if we are felons! I know lots of places now accept Good To Go but I don't have an account there as we don't need it except once or twice a year.
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Old 03-01-2015, 03:23 PM   #49
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Hi LakeKerrGuy,
I do not stop at roadside stands. The bottom line is I patronize merchants that take CC as the form of payment. For me, I don't feel I've missed anything. As a backup the wife does carry some cash. She even has a few coins!
For us, stopping at the small farm stands in rural areas is one of the joys of travel. Farm fresh veggies and fresh picked orchard fruit cannot be beat.

Although I harvest and sell firewood to the snowbirds here in winter, I do not carry any with me - hopefully for obvious reasons. So firewood is another cash expense. As mentioned in my original post, we have found many of theses type sellers to be honor system. No cash, no fruit, no veggie, no wood.

Still hoping to get some thoughts on the question about casino cash. I too use cash back options for petty cash. I'm talking about $2000 -$5000 for casino play. Not possible at an ATM or Walmart.
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Old 03-01-2015, 05:01 PM   #50
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For us, stopping at the small farm stands in rural areas is one of the joys of travel. Farm fresh veggies and fresh picked orchard fruit cannot be beat.

Although I harvest and sell firewood to the snowbirds here in winter, I do not carry any with me - hopefully for obvious reasons. So firewood is another cash expense. As mentioned in my original post, we have found many of theses type sellers to be honor system. No cash, no fruit, no veggie, no wood.

Still hoping to get some thoughts on the question about casino cash. I too use cash back options for petty cash. I'm talking about $2000 -$5000 for casino play. Not possible at an ATM or Walmart.

I agree, live a little and stop at roadside stands, some of the best produce you can buy is at roadside stands. As for casinos I wouldn't spend $20.00 at one let alone $2000-$5000.
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Old 03-01-2015, 05:40 PM   #51
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We would NEVER carry a large amount of cash! We put all of our purchases on credit cards, pay them off at the end of the month, and get cash rebates! We use the PenFed Cash Rewards Visa card for all of our fuel purchases and get a 5% cash rebate!
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Old 03-01-2015, 06:18 PM   #52
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As for casinos I wouldn't spend $20.00 at one let alone $2000-$5000.
Totally understand. We all do things we enjoy.

Understand, I'm not saying I lose 2-5K. Lifetime, I'm up over 60K + the value of comps. Just need cash to operate.
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Old 03-01-2015, 08:10 PM   #53
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We're combination cash and credit card folks. We like to carry a small amount of cash ... and pay the "tiny" purchases (i.e., a trip thru the register that totals in the <$10 - $20 range - as well as any "dining out" (the occasional pop here, drinks there, lunch if it's appropriate when day tripping, etc.) Everything else goes on a credit card that earns a cash back reward and that gets paid in its entirety every month.


We never use a debit card. A debit card transaction hits your bank account directly. If your debit card is compromised - and somebody makes unauthorized purchases with it - you've got little to no recourse and banks have little incentive to return your money. Your money is gone and all you've got going for you is a prayer that you can wish / hope hard enough that the bank will do the right thing and give it back.


Credit card purchases on a little different. You're typically not responsible for fraudulent charges (aside from what's typically a tiny deductible) - instead have the credit card companies hoping you will help them out.


As far as cash on the road goes ... we leave home with enough to cover us for short trips (the "couple hundred buck" trips). For longer ventures - I make periodic "larger" withdrawals from a "bank ATM" to replenish my supply of cash. The fewer (but larger) withdrawals saves the additional fees many banks charge for using ATMs that are outside of their bank's network. I also prefer to patronize "bank ATMS" (as opposed to the little "private ATMs" that have popped up in convenience stores and busy lobbies pretty much everywhere). I just feel a they're a little safer in terms of protecting personal information.
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Old 03-01-2015, 08:35 PM   #54
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My preference is for CC but and here is the rub, as a Canadian traveling in the US, the every kindly CC companies (all of them) charge some pretty good conversion rates because my bills are in Cdn dollars. I think that for longer future trips I will likely get a US$ CC. I can't just get US cash either because the same thing applies thanks to the ever generous banks. It isn't just exchange but a service fee also. So what I try to do is to carry some cash with me based on the duration of my stay. Some places I camp don't take CC and as someone else mentioned, it is nicer to use if is a small amount purchase say $10.00 or less.
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Old 03-01-2015, 11:12 PM   #55
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Cash vs. Credit card

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We never use a debit card. A debit card transaction hits your bank account directly. If your debit card is compromised - and somebody makes unauthorized purchases with it - you've got little to no recourse and banks have little incentive to return your money. Your money is gone and all you've got going for you is a prayer that you can wish / hope hard enough that the bank will do the right thing and give it back.

For me it is much safer and DIFFERENT!
I do not "bank". I use a FCU. They catch fraud on my debit card and call me immediately, and never hold back $ or debit my account. They simply cancel my card and send new ones.
Debit accounts can only be tapped for what is in them. A CC can be taxed to the max allowed, usually $10,000. But even then, the process is the same as the debit card....for ME!
An account at a Federal Credit Union makes it easy and painless, and they are NON-PROFIT orgs. And they have never, EVER charged me a fee since I joined in 1975.
Banks will hit you for everything they can!
Best wishes!
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Old 03-02-2015, 08:53 AM   #56
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...Debit accounts can only be tapped for what is in them. A CC can be taxed to the max allowed, usually $10,000. ...
It's great to read that you're getting great service from your Credit Union.

However, I'm not sure I agree with your assessment of the risks. As you state - "debit accounts can only be tapped for what is in them". Agreed, fraudulent use of a debit card can clean out your account.

Your "a CC can be taxed to the max allowed, usually $10,000" statement however is a loaded statement. True, a fraudulently used credit card could be charged $10,000 (assuming you've got that much available credit on your card). However, the amount of a fraudulent change that YOU can be held liable for is limited by Federal Law to $50.

Faced with a choice - I'll take the CC option every time. If my debit account is cleaned out - I'll be without the use of MY money until I get the matter cleared up. In such a situation - my money would be GONE and I'd be counting on the benevolence of my financial institution to REPLACE it.
That's a VERY different risk than having my liability to pay for any fraudulent charges on my bill limited to $50 by Federal law.
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