75

Another one from Sil! (241)
(Yes, I do have other teas, but right now 1/3 of them are from her….)

And so this is a nice Assam. It’s a little richer than I expected, almost like it’s begging for a little cream to tone it down. But bold is good. I could use more energy! (And this is my 4th cup of tea, followed after my coffee – maybe I’ll never have energy? Maybe I’m just drained by the idea of how much left there is to clean in the shop. It’s chaos. Rubber gloves and silicone and glue and paint sticks scattered on every surface! It’s Friday though…. friday…. And I have three weeks worth of cheques in my purse to cash!)

Sil

lmao three weeks worth of chequeS..plural? lol

Anna

One of my fave things about North America: the sheer amaze of cheques. I have neither seen nor touched a cheque since 1987.

TeaLady441

Haha. We get paid when our boss remembers to sign the cheques. :P So now that I work there I make sure everyone gives me there invoices at least once every two weeks, and then I can total everythign up, write out the chequesan stick it in his face so he can sign them. :P Of course if it’s urgent he’ll do it sooner, but he’s just not great at that sorta thing. (Good job security for me!)

And this is the first job I’ve had in 10+ years where I’ve had to deposit my own cheques. Seems like a lot of places do direct deposit, but because this is such a small business and we’re all essentially contractors, it’s just easier for my boss to do cheques. I guess. ;P

Anna

I think it’s so cool. I wish I got cheques for stuff, I really do. It makes me think of Melanie Griffith movies from the 80s and ‘She Works Hard for the Money’ and all of that. Haha. It’s such a grown-up thing, a cheque!

TeaLady441

Hahah. It is! I can get that, but on the other hand you need to physically pick it up, and then physically take it to the bank and what if you lose it or you don’t have a car and you have to bus and it’s a pain in the butt? :P Actually I jsut saw an add for a mobile app that lets you take pictures of cheques with your phone to cash them – THAT’S AMAZING.

Sil

Anna…..it’s mostly a US thing….Canada cheque volumes are dropping at a significant rate, while in the us, they have actually gone up in some instances

Cavo…it’s called remote deposit capture and in Canada it’s a bit of a silly thing given how few chequers we have. That’s a huge thing in the US esp for businesses. An I understand it, it doesn’t eliminate the hold period in Canada, making it more gimmicky than it should be…..

Anna

Yes, I saw that app ad in the US this fall and was SO impressed! The future is here.

Siller, do you know why the cheque volumes have gone up in the US?

Sil

it fluctuates in the US, last time i had to look at the numbers ofr a project. Mostly, there hasn’t been a major push by the financial industry to stop accepting them…since it’s not federally regulated across the country. check 21 initiative helped but there’s still a ways to go before the US gets to volumes that other countries have…payment processing needs to fundamentally change first…there’s nothing like the european environment with sepa payments/wire payments etc… i remember being thoroughly confused when i had to learn about +1 day and +2 day…and how timing was really different from the way it works in canada haha

Anna

I need to read more about this. And I also need to find out if those personalized ones with pink unicorns and stuff are still a thing.

TeaLady441

Crazy! I never knew all that!

And I can see the app being a little gimmicky/too good to be true. They don’t want to risk too much fraud, etc.

Pink unicorns! I can’t remember if we had anything silly like that to choose from. I just chose a basic cheque because I didn’t want to pay for it, and the ONLY time I ever write cheques are for rent and daycare so it didn’t seem worth it.

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Sil

lmao three weeks worth of chequeS..plural? lol

Anna

One of my fave things about North America: the sheer amaze of cheques. I have neither seen nor touched a cheque since 1987.

TeaLady441

Haha. We get paid when our boss remembers to sign the cheques. :P So now that I work there I make sure everyone gives me there invoices at least once every two weeks, and then I can total everythign up, write out the chequesan stick it in his face so he can sign them. :P Of course if it’s urgent he’ll do it sooner, but he’s just not great at that sorta thing. (Good job security for me!)

And this is the first job I’ve had in 10+ years where I’ve had to deposit my own cheques. Seems like a lot of places do direct deposit, but because this is such a small business and we’re all essentially contractors, it’s just easier for my boss to do cheques. I guess. ;P

Anna

I think it’s so cool. I wish I got cheques for stuff, I really do. It makes me think of Melanie Griffith movies from the 80s and ‘She Works Hard for the Money’ and all of that. Haha. It’s such a grown-up thing, a cheque!

TeaLady441

Hahah. It is! I can get that, but on the other hand you need to physically pick it up, and then physically take it to the bank and what if you lose it or you don’t have a car and you have to bus and it’s a pain in the butt? :P Actually I jsut saw an add for a mobile app that lets you take pictures of cheques with your phone to cash them – THAT’S AMAZING.

Sil

Anna…..it’s mostly a US thing….Canada cheque volumes are dropping at a significant rate, while in the us, they have actually gone up in some instances

Cavo…it’s called remote deposit capture and in Canada it’s a bit of a silly thing given how few chequers we have. That’s a huge thing in the US esp for businesses. An I understand it, it doesn’t eliminate the hold period in Canada, making it more gimmicky than it should be…..

Anna

Yes, I saw that app ad in the US this fall and was SO impressed! The future is here.

Siller, do you know why the cheque volumes have gone up in the US?

Sil

it fluctuates in the US, last time i had to look at the numbers ofr a project. Mostly, there hasn’t been a major push by the financial industry to stop accepting them…since it’s not federally regulated across the country. check 21 initiative helped but there’s still a ways to go before the US gets to volumes that other countries have…payment processing needs to fundamentally change first…there’s nothing like the european environment with sepa payments/wire payments etc… i remember being thoroughly confused when i had to learn about +1 day and +2 day…and how timing was really different from the way it works in canada haha

Anna

I need to read more about this. And I also need to find out if those personalized ones with pink unicorns and stuff are still a thing.

TeaLady441

Crazy! I never knew all that!

And I can see the app being a little gimmicky/too good to be true. They don’t want to risk too much fraud, etc.

Pink unicorns! I can’t remember if we had anything silly like that to choose from. I just chose a basic cheque because I didn’t want to pay for it, and the ONLY time I ever write cheques are for rent and daycare so it didn’t seem worth it.

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