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Wed Feb 6, 2013, 08:56 PM

How will cutting Saturday letter delivery play out in your life?

Try the period between the issuance of your monthly bills and your payment will shrink. Without the Saturday letter delivery, you may risk having less than 10 days to find the money and get it to the creditor on time.

Let's say your credit card company sends out your invoice as it usually does. But it arrives at your post office on Friday afternoon, after your home delivery has been done. That bill waits until Monday, specifically Monday night when you come home. Let's say you even have the money ready and you mail the payment right away the next day on Tuesday. It isn't going out until Tuesday afternoon or night. That's a delay from Friday to Tuesday, more than half a week. Your payments may arrive past the date they are due, and you incur interest and late fees as a result.

It will Russian Roulette with your bills as some will be delivered Mon-Fri and others will languish for 3-4 days.

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Reply How will cutting Saturday letter delivery play out in your life? (Original post)
no_hypocrisy Feb 2013 OP
Puzzledtraveller Feb 2013 #1
Robb Feb 2013 #5
Apophis Feb 2013 #2
Agnosticsherbet Feb 2013 #3
Robb Feb 2013 #4
Liberal In Texas Feb 2013 #6
ecstatic Feb 2013 #15
arcane1 Feb 2013 #7
Motown_Johnny Feb 2013 #8
bunnies Feb 2013 #31
madinmaryland Feb 2013 #9
Travis_0004 Feb 2013 #10
oldhippie Feb 2013 #11
ecstatic Feb 2013 #12
HERVEPA Feb 2013 #13
EastKYLiberal Feb 2013 #14
Liberal_in_LA Feb 2013 #16
FreeJoe Feb 2013 #17
tritsofme Feb 2013 #18
csziggy Feb 2013 #19
greytdemocrat Feb 2013 #20
Nye Bevan Feb 2013 #21
HiPointDem Feb 2013 #23
Romulus Quirinus Feb 2013 #27
Nye Bevan Feb 2013 #32
Romulus Quirinus Feb 2013 #33
HiPointDem Feb 2013 #22
Codeine Feb 2013 #24
liberal_at_heart Feb 2013 #25
doc03 Feb 2013 #26
noamnety Feb 2013 #28
Canuckistanian Feb 2013 #29
slackmaster Feb 2013 #30
Buzz Clik Feb 2013 #34
FarCenter Feb 2013 #35
femmocrat Feb 2013 #36
flamingdem Feb 2013 #37
Nye Bevan Feb 2013 #40
lynne Feb 2013 #38
Leslie Valley Feb 2013 #39
ScreamingMeemie Feb 2013 #41
healthnut7 Feb 2013 #42
Lars39 Feb 2013 #43
SheilaT Feb 2013 #44

Response to no_hypocrisy (Original post)

Wed Feb 6, 2013, 08:58 PM

1. No one sends me anything

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Response to Puzzledtraveller (Reply #1)

Wed Feb 6, 2013, 09:03 PM

5. I had a colleague once who mused

...how he never got packages any more, and when he did they either smelled like poo or were ticking.

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Response to no_hypocrisy (Original post)

Wed Feb 6, 2013, 08:59 PM

2. How is it that our govt. has enough money for defense

 

but not enough for the USPS?

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Response to no_hypocrisy (Original post)

Wed Feb 6, 2013, 09:00 PM

3. More junk mail on Monday. n/t

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Response to no_hypocrisy (Original post)

Wed Feb 6, 2013, 09:02 PM

4. There will be two days, instead of one, where I walk to the mailbox and smack my head like an idiot.

But you're also correct, there will be a necessity to send things a little earlier much of the time.

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Response to no_hypocrisy (Original post)

Wed Feb 6, 2013, 09:06 PM

6. Probably get my freelance checks later

usually they arrive on Sat. and go to CU on Monday morning.

Also Netflix, if I forget to send off right away, won't be getting the movie for the weekend.

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Response to Liberal In Texas (Reply #6)

Wed Feb 6, 2013, 09:27 PM

15. I forgot about netflix! Even though

it seems like in the final days of my membership, they began to ship at a much slower pace, no matter how quickly I returned the movies. On average I ended up with 1 movie a week.

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Response to no_hypocrisy (Original post)

Wed Feb 6, 2013, 09:07 PM

7. For me, it might make my rent late, since I mail it to my landlady...

and the day the check goes out depends on what day of the week my 2nd payday falls on.

Then again, I may not be a good example, since I've been meaning to manage my money better, so I don't have to rely on the timing of that 2nd payday

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Response to no_hypocrisy (Original post)

Wed Feb 6, 2013, 09:08 PM

8. If I got mail 3 days a week I would be OK with that.

As far as I am concerned, the post office could cut costs by stopping by my house on Monday, Wednesday and Friday while going elsewhere on Tuesday Thursday and Saturday. Or vice versa.


Not having a delivery on Saturday does not bother me in the least.

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Response to Motown_Johnny (Reply #8)

Wed Feb 6, 2013, 10:11 PM

31. I would definitely be on board with this.

Wouldnt phase me at all.

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Response to no_hypocrisy (Original post)

Wed Feb 6, 2013, 09:19 PM

9. Not by much. Considering we don't get our mail until 7:00pm. Saturday mail.

meh. We do most everything on-line.

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Response to no_hypocrisy (Original post)

Wed Feb 6, 2013, 09:19 PM

10. It won't make a bit of difference to me

I use online bill pay, so I don't get, or mail any bills in the mail.

Even when I did, I never got a bill on Sat that couldn't wait a week to get around to mailing it.

I really doubt 1 day makes a difference.

Before it would arrive on sat, you couldn't mail on Sunday, so it went out Monday morning.
Now it arrives Monday morning, and it goes out Tuesday. The difference is one day.

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Response to no_hypocrisy (Original post)

Wed Feb 6, 2013, 09:21 PM

11. Won't affect me at all ....

 

I haven't gotten a bill or paid by mail in many years. All my bills are auto paid by my credit card and I get the bill for that on-line and pay it on line. Most letters I get are junk mail. I can wait until Monday for anything else.

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Response to no_hypocrisy (Original post)

Wed Feb 6, 2013, 09:24 PM

12. I pay all my bills online, so it won't be an issue for me

Even if you choose not to do recurring automatic payments, most companies allow you to see your bill online, and most banks offer online bill pay. Maybe some companies will provide an additional day for payment. If not, it's time to step into the 21st century.

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Response to no_hypocrisy (Original post)

Wed Feb 6, 2013, 09:25 PM

13. Well, you're on a computer.

You can easily get the bill on-line, and get notified when it's available.

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Response to no_hypocrisy (Original post)

Wed Feb 6, 2013, 09:25 PM

14. Won't even notice. nt

 

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Response to no_hypocrisy (Original post)

Wed Feb 6, 2013, 09:28 PM

16. I hope Sat delivery continues.

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Response to no_hypocrisy (Original post)

Wed Feb 6, 2013, 09:33 PM

17. No impact

I generally only check my mail once or twice a week as it is.

With a few odd exceptions that are already programmed into Quicken as reminders, I don't get bills in the mail.

For me, the mail brings movies, magazines, an occasional package, and loads and loads of waste.

Are bill notices really that tight? It's been literally more than 20 years since I've both received and paid bills via mail, but I recall having 2-3 weeks from when a bill arrived until it was due. Has the time window really tightened that much?

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Response to no_hypocrisy (Original post)

Wed Feb 6, 2013, 09:36 PM

18. 10-20 years ago I would definitely agree with you.

These days there aren't any bills we don't pay and receive online anymore.

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Response to no_hypocrisy (Original post)

Wed Feb 6, 2013, 09:44 PM

19. Not at all

We check our P. O. Box 2-3 times a week, the street box maybe 1-2 times a week. Nothing important is supposed to be sent to the street address since the box is not visible from anywhere on my farm and the delivery person will NOT bring anything to the house. in fact, I am not sure they could find the house even if they came up the drive - they haven't yet.

Most of my payments are now done electronically.

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Response to no_hypocrisy (Original post)

Wed Feb 6, 2013, 09:47 PM

20. Little or no affect. nt

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Response to no_hypocrisy (Original post)

Wed Feb 6, 2013, 09:54 PM

21. Your post makes me feel like I just visited a museum. (nt)

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Response to Nye Bevan (Reply #21)

Wed Feb 6, 2013, 10:00 PM

23. yes the old fuddie-duddies. kneel to the borg!

 

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Response to Nye Bevan (Reply #21)

Wed Feb 6, 2013, 10:04 PM

27. Well, that was rude. (nt)

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Response to Romulus Quirinus (Reply #27)

Wed Feb 6, 2013, 10:14 PM

32. Oh, I really didn't mean to sound rude. It's more like charming nostalgia.

Writing letters to your family with beautiful calligraphy, writing some checks out and sealing the envelopes, and strolling into town to drop everything off at the post office, is evocative of a simpler, slower time.

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Response to Nye Bevan (Reply #32)

Wed Feb 6, 2013, 10:15 PM

33. Well, that escalated quickly. (nt)

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Response to no_hypocrisy (Original post)

Wed Feb 6, 2013, 09:59 PM

22. I have only one bill I pay by mail; I will now mail it a week ahead of time and check to see when

 

it's delivered.

I am resisting any kind of electronic funds transfer by corporations.

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Response to no_hypocrisy (Original post)

Wed Feb 6, 2013, 10:01 PM

24. Who pays bills by mail?

Hell, my mom is in her 60s and she pays all her bills with her phone.

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Response to no_hypocrisy (Original post)

Wed Feb 6, 2013, 10:04 PM

25. this happens to my husband regarding his disability papers from his employer

Every so often we get a letter in the mail about when he has to resubmit paperwork from his doctor declaring he is still unable to work. Sometimes we get the letter just a day or two before the papers are due. There is a part of me that wonders if they do this hoping to make us late just so they can deny his disability. It can really come down to the wire sometimes.

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Response to no_hypocrisy (Original post)

Wed Feb 6, 2013, 10:04 PM

26. Won't affect me at all, just one less trip to the mail box n/t

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Response to no_hypocrisy (Original post)

Wed Feb 6, 2013, 10:06 PM

28. It wouldn't impact me.

I don't have any bills that arrive at the house so close to the due date that responding Tuesday instead of Monday would matter.

Edit to add: My bills are paid online mainly, but I recognize it's a matter of privilege to assume everyone has that level of financial stability. I've got some friends with no bank accounts. One cancelled his because he had an emergency $50k medical bill he couldn't pay. Now he's afraid if he deposits a paycheck the debt collectors will find a way to garnish it. His "savings account" consists of a stack of 10-20 paychecks he hasn't got around to cashing yet.

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Response to no_hypocrisy (Original post)

Wed Feb 6, 2013, 10:07 PM

29. Saturday mail delivery?

We've never had that in Canada. Not in my lifetime at least.

I didn't realize it was done in America.

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Response to no_hypocrisy (Original post)

Wed Feb 6, 2013, 10:10 PM

30. It would give me one less small chore to do every Saturday morning

 

Sifting through the mail looking for things that matter, and putting the rest in the recycling after tearing out the pieces that have personal information such as my name and address.

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Response to no_hypocrisy (Original post)

Wed Feb 6, 2013, 10:29 PM

34. Nearly irrelevant. Electronic banking and billing.

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Response to no_hypocrisy (Original post)

Wed Feb 6, 2013, 10:39 PM

35. I wouldn't have a problem with cutting back to Monday, Wednesday, Friday delivery

provided that they deliver Tuesday when Monday is a holiday.

Most bills are paid electronically. So any delay in getting the statement is more than made up for by the speed of initiating the payment on the net.

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Response to no_hypocrisy (Original post)

Wed Feb 6, 2013, 10:39 PM

36. No impact at all.

We have to pick our mail at the P.O. Since it closes at 11:00 on Saturdays, we let it sit there until Monday anyhow. I'm still sorry to see Saturday deliveries end though.

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Response to no_hypocrisy (Original post)

Wed Feb 6, 2013, 10:43 PM

37. If you make a living selling on the web this will impact customer satisfaction

and all else that has to do with mailing back and forth.

Many millions depend on the Post Office to make a living now.

The idea that they would have to use UPS or FEDEX, just forget it, 4-20 times the price.

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Response to flamingdem (Reply #37)

Wed Feb 6, 2013, 11:05 PM

40. I'm happy to wait until Monday for stuff that I order

if it means I don't have to remove all the junk mail from my mailbox every Saturday.

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Response to no_hypocrisy (Original post)

Wed Feb 6, 2013, 10:47 PM

38. No impact at all -

- one less vehicle to dodge on the roads on Saturday so that's a good thing. As far as all the concerns about one day impacting your billing/payment cycle - that would be true if this was 1973. Most everyone now has the ability to check their bills online and make payment the same way.

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Response to no_hypocrisy (Original post)

Wed Feb 6, 2013, 10:50 PM

39. They could cut back to one day a week and it wouldn't change my life at all

 

I do everything online as it is. Even Social Security is eliminating checks March of this year.

I just got my Passport Card and it was delivered to the door by DHL.

In the last few months I have written 3 checks, one to the State Dept. for the passcard and 2 to my dentist in Mexico because he doesn't do plastic. The bank doesn't even mail out cancelled checks anymore. It's all online.

I have 2 GrandSpawn in the military, one in Germany and one in Japan, and between email, messaging, texting and Skype I can communicate with them anytime I want. Many times we do a 3 way video session. They have little or no concept of "mail call", it just doesn't compute to them.

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Response to no_hypocrisy (Original post)

Wed Feb 6, 2013, 11:06 PM

41. My postman is horribly inept.

It would not change a thing.

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Response to no_hypocrisy (Original post)

Wed Feb 6, 2013, 11:18 PM

42. We've had no first class mail delivery

Apparently since 1968, the change was made here in Canada. No one complains we just know it is Monday to Friday.
Now I am sure at that time there were a lot of complaints. Mind you at that time there were a lot more letters being sent.
We get more junk mail then anything else since computers came in...

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Response to no_hypocrisy (Original post)

Wed Feb 6, 2013, 11:26 PM

43. I may have to drive an hour some months to pay rent.

There's another bill or two I'll have to rethink on when/if to mail also.

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Response to no_hypocrisy (Original post)

Thu Feb 7, 2013, 12:21 AM

44. Oddly enough, I almost never get any mail on Saturdays as it is.

I had actually thought a few months ago that they must have cut it out already, because I get mail every other day of the week but not on Saturday. I only know that they're still delivering it that day because I often happen to go by the cluster of mailboxes on that day when the happy postal employees is putting mail in. Just never mine.

However, I'm appalled that this is going through. I also suspect that the Monday mail deliveries will tend to arrive much later than day because of all the mail that formerly was delivered on Saturday that now had to wait through the weekend. There will be a huge pile-up of Monday mail.

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