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bitcoincasinos214 · 4 years ago

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Active Trends in Bitcoin

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Bitcoin is built relating to the notion that profit is any thing, or any sort of report, accepted as money for goods in addition to services and installment of debts in a very given country or even socio-economic grouping. Bitcoin uses cryptography, or simply mathematical equations, to regulate the creation along with transfer of funds, rather than relying on health systems and central checking authorities. Transfers to get loans, sales, expenditures or any other strategies of payment can be dealt with by anybody, which has a desktop, smart phone, gadget, or laptop. This really all possible without necessity for a financial institution to do something as an intermediary and recording agent.

Formulated in 2009, Bitcoin can be described as digital currency announced as open form software by some sort of MIT student given the name Satoshi Nakamoto. You can find much speculation in respect of whether Satoshi will be an actual person, or simply a collection of individuals with a pseudonym. Bitcoin can be minted by a system termed mining, by which specialized computer hardware entire complex mathematic equations and are rewarded using a block of bitcoins. This process takes around 10 minutes plus the current block incentives 25 bitcoins. That block reward can be halved to 12. 5 bitcoins around 2017 and just as before approximately every some years thereafter. Simply by 2140 there will be somewhere around 21 million bitcoins in existence.

This 7-day period has shown a flutter of activity using business owners of all whipping getting on track by means of Bitcoin. From businesses in New Orleans, to the Sacramento Nobleman of the NBA agreeing to Bitcoin for priced sales and power team paraphernalia, to casinos in Las Vegas, Bitcoin is popping up all over. Venture Capitalist Chad Dixon believes Bitcoin may reach $100, 000 if the application becomes the primary method of ecommerce ( Born ). The PRESIDENT of a major internet retailer was estimated as saying "Other retailers will not prefer to miss out, Bitcoin sector is growing by 30% per month. " This approach same retailer experienced a 5% boost in sales the initial day it taken Bitcoin. Zynga Video game titles, one of the largest on line gaming companies, given the task of Farmville, Castleville, together with a host of people also began recognizing Bitcoin for inside game financial business. After the five Massive Banks said zero to money coming from marijuana dispensaries together with growers, Colorado's suitable marijuana dispensary marketplace turned to Bitcoin ( ZeroHedge ). This IRS has also most recently launched a marketing campaign that allows taxes to become paid with Bitcoin. There has been Bitcoin ATM's popping up in spots such as Vancouver, Ottawa, and a Bratislava Slovakia shopping mall. Recently, the brand new York City Bitcoin ATM was place on hold until your public hearing within the jurisdiction of the Manhattan State Department with Financial Services could be held.

After flirting with the $1, 000 value just after the fresh Year, Bitcoin is actually steadily trading in around $950 in the Mt. Gox return over the last fortnight which is being nicely helped by the 50 moment moving average showing Bitcoin is still definitely bullish. This was unanticipated to most analysts whom believed the regulating news coming out of The far east, India, and Italy would burst Bitcoins bubble. However , Eric Robinson, with finished 30 years involving experience in economy analysis, believes a lot of analysts are drastically wrong. He suggests that that strong correction most people saw in fast December, coupled with this consistent support for the 50 day heading average, indicates Bitcoin is an extremely wholesome market, and should simply continue to increase with value.

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References Bitcoin https://en.wikipedia.org/wiki/Bitcoin

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archie420dspnsr · 4 years ago

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HOW TO BUY MARIJUANA IN A RECREATIONAL STATE

Your complete guide to what to expect when buying marijuana in a recreational nation.

If you live in a recreationally prison marijuana country or plan to visit one soon, you may be asking a very commonplace question: How do I buy marijuana?

In this smooth to follow guide, we prepare you to your first time shopping recreational marijuana and walk you through this relatively simple process.

In Which States Can I Buy Recreational Marijuana?

A state ID or driver’s license from any nation or a passport proving you're over 21 will get you access to felony dispensaries in six of the leisure marijuana states inside the U.S.:

Colorado

Washington

Oregon

Alaska

California

Nevada

Massachusetts

Illinois

Michigan

With fully installed leisure marijuana packages in these states, dispensaries had been licensed to distribute marijuana to every body of legal age.

Maine and Vermont have also legalized recreational marijuana. However, as of now, there are no prison dispensaries licensed in those markets, so consumers aren’t in a position to buy marijuana yet.

Recreational marijuana is likewise prison in Washington D.C., however there's no device in location to buy it. The best manner to legally buy marijuana proper now in D.C. Is with a scientific card, and it's far unlawful to convey marijuana in from out of nation, putting residents there in a sticky legal grey area.

Can Out-Of-State Residents Buy Recreational “Weed”?

If you are from a country wherein recreational marijuana isn't always legal (along with Alabama or Idaho) and you tour to a country in which recreational marijuana is prison (such as California or Massachusetts), are you allowed to purchase marijuana?

The answer is yes! Cannabis tourism is a growing industry in states around the country, as citizens of states with extra restrictive marijuana legal guidelines are flocking to states where leisure marijuana is prison, allowing them to use cannabis merchandise freely without the concern of crook charges, fines, or other penalties. There are even marijuana tours in a few states that can help you test all of the great dispensaries.

State marijuana legal guidelines will vary regarding what is wanted so as for humans from outdoor of the country to buy marijuana, however in general, all you want to do is discover a local leisure dispensary and show your ID. Once you do, you're allowed to freely buy numerous marijuana and hashish products.

Can Out-of-State Residents Buy Recreational “Weed” and Bring it Back to Their Home State?

The answer to the question “Can out-of-kingdom residents buy recreational weed?” is no, they legally cannot.

Anyone who does this is breaking the regulation and soliciting for trouble. While many states have made leisure Medical Marijuana for sales online legal, it's far still federally unlawful. Therefore, whilst you are crossing nation lines with marijuana, you are technically breaking federal regulation. Even if you obtain the marijuana legally for your state of origin, it's far a criminal offense to cross state lines with any marijuana on your person.

This additionally applies to those who are crossing from one state wherein leisure marijuana is criminal into every other country wherein it's miles felony, including driving from California to Oregon with marijuana for your person. Even though marijuana is legal in both California and Oregon, whilst you cross nation strains you are inside the jurisdiction of federal regulation enforcement and are subject to hefty fines and penalties. We recommend, irrespective of what, which you should in no way cross nation traces with marijuana.

Finding a Recreational Dispensary

Once you are in a criminal leisure marijuana kingdom, what's the easiest manner to discover the pleasant hashish dispensaries to buy marijuana? There are a few reliable methods to find nearby stores, including on line directories, neighborhood print media, or even traditional advertising efforts. These dispensaries is probably brick and mortar shops or delivery offerings.

You can find dispensaries listed by place from a number of directories on-line that maintain a database of cannabis dispensaries. Some of those online services also listing out a shop’s “menu” or the marijuana lines and merchandise the dispensary has in stock.

Recreational dispensaries frequently put it on the market either online, in a city’s free culture and nightlife magazines, or maybe on billboards in a few markets. Sign spinners are also a popular manner for dispensaries to get your attention.

States that have legalized cannabis every so often limit how marijuana groups can use traditional advertising channels, forcing dispensaries to get innovative with how they reach out to their capacity customers.

Unsure of which dispensary to choose? Online directories regularly permit customers to rate and review shops. Many markets also have websites dedicated to reviewing marijuana dispensaries and products to present you an idea of wherein to nice purchase your leisure hashish.

You can learn more about finding the excellent dispensary near you in our dispensary guide.

What Do I Need?

To buy recreational marijuana from a dispensary, like with purchasing alcohol, all this is wanted is proof that you are over 21. For this, you could use authorities issued files like a driver’s license, state photograph I.D., or passport. You do not need to be a resident of the state you are in to purchase felony leisure marijuana, commencing the door for cannabis tourism.

You’ll also want to make sure you have got sufficient cash on hand to cover your buy. It is uncommon for a marijuana dispensary to take credit score cards, although a few do. Most dispensaries which might be cash-handiest have an ATM on site, but prices for use can be high. Plan in advance, check the online menus for the dispensary, and bring sufficient money to cover your purchase.

Choosing Between a Shop, Pickup, or Delivery

While most new users have a mental picture of taking walks into a hashish keep when deciding to shop for marijuana for the first time, there are virtually a few alternatives in how you get your marijuana, including getting into brick and mortar stores, ordering your alternatives in advance of time for pickup, and having someone supply your order. Some stores even provide all 3 options. Other dispensaries might also exist simplest as a delivery service.

Physical shops are a popular manner for lots consumers to shop for their hashish products. Customers can see the range of merchandise for sale, take a look at out the packaging, odor the exceptional lines of hashish flower, and ask as many questions because it takes to find the satisfactory products.

Brick and mortar shops also offer benefits to those who are new to shopping for prison marijuana and are uncertain of what they need. These customers can benefit from having a knowledgeable “budtender” to help walk them via their many choices and help them go home with the proper product.

Some brick and mortar dispensaries also permit customers to call their marijuana order in advance after which come choose it up, letting them skip the frequently long strains at a few certified dispensaries. This is helpful in case you are in a rush and already understand what you need. As easy as grabbing a take-out order, choosing up your marijuana preorder gets you occurring your manner with out the wait.

Finally, some dispensaries provide transport for people who can’t or wish now not to visit a bodily store. Orders are called in and then introduced to your home, office, or inn by using a transport person. Some delivery customers are unable to journey to a brick and mortar dispensary, others are brief on time and like the convenience, and a few sincerely revel in the privateness that shipping gives over traveling a marijuana store.

It is even feasible to buy marijuana online or with smartphone apps. These apps and web sites let you easily region your marijuana order as you would any on line buy and some even allow you to agenda your shipping ahead of time for transport when it works fine for you.

While all of these methods have their own particular benefits, what is maximum convenient and snug for you'll in all likelihood be the excellent desire. Reference our dispensary guide to learn greater about finding a dispensary.

Visiting a Shop

Once you arrive at your dispensary, you’ll likely be met at the front door by a safety guard. They will likely want to wand you down with a steel detector. This isn’t an indication that a shop isn’t safe — it is without a doubt a precaution and a necessary truth in a marijuana enterprise that is essentially nonetheless cash-based.

Once you enter the keep, you’ll want to check in with the front desk. They will experiment your I.D. To confirm your age and then positioned you on a list to enter the sales floor. You will then be directed to wait in the waiting room. At any point in the course of your go to, you may revel in long traces. As you can imagine, legal cannabis is quite popular, and extended wait instances do happen. Try to schedule your go to for while you recognise you have got time.

Once you are called to the lower back room, you're equipped to begin your shopping experience.

Ordering Delivery

In some markets, it's also possible to reserve your leisure marijuana merchandise to be brought to your home. Buying marijuana thru shipping is a smart desire in case you aren’t capable of go away your home, there aren't any nearby brick and mortar stores, or in case you already know what you want and don’t have any questions.

Delivery services can be located in the identical methods as a physical store. Once you discover a delivery carrier you need to use, typically, you will want to name in to the delivery carrier to place an order. However, extra savvy services permit order by way of text. Some actually have their personal cellphone apps or assist you to order online thru their website.

Before you region your order, you’ll want to select your products from the shop’s menu. This can be observed on directory apps for cannabis businesses or now and again on a shop’s own website. Once your order has been placed, wait times can vary based totally on time of day, distance from business, etc.

When your order arrives, most drivers will convey the order for your door. In a few cases, they may ask you to come meet them at their car instead. Be sure to test your order to make sure it is correct before your motive force leaves.

What Products Can I Buy?

Marijuana dispensaries will provide a wide selection of manufacturers and product sorts to meet the needs in their many customers. Here are some of the goods you are probably to locate in dispensaries. If it's far your first time at the dispensary, take the time to browse the goods and ask questions till you find some thing that sounds right for you.

Flower: The flowering buds of the marijuana plant, marijuana flower may be smoked in a glass pipe, in a bong, or rolled right into a joint or blunt. It is also feasible to vaporize the active compounds in marijuana flowers with an appropriately ready vaporizer. Marijuana flower is to be had in an first-rate range of traces or genetic genotypes. This kind of traces is made feasible via cross-breeding one of a kind lines, growing new ones with the shared traits of their parents. Marijuana flower is commonly categorised as either an indica, sativa, or hybrid. You can find our list of the maximum famous marijuana lines here.

Extracts: Marijuana extracts encompass merchandise like kief, hash, oil, marijuana shatter, wax, and extra. These merchandise seek to concentrate the energetic compounds in marijuana like its cannabinoids and terpenes right into a consumable product. Marijuana concentrates may be dabbed, vaporized, infused into edibles, or delivered to marijuana flower to boom its potency.

Edibles and Beverages: Using a variety of techniques, companies have infused meals products ranging from brownies and sweets to frozen pizza and ice cream with cannabinoids like THC. Beverages like soda, coffee, and tea are also to be had infused with THC also are to be had. You can find more records about edibles in our marijuana edibles guide.

Topicals: The cannabinoids in cannabis also can be absorbed via the frame through the skin. For this reason, you could discover topically-applied products like balms, lotions, rub down oils, or even patches.

Which Marijuana Product Is Best for Your Needs?

When it comes time to buy marijuana at a recreational dispensary, the sheer amount of products available for buy may be overwhelming. Not best are you requested to pick between marijuana flower, extracts, edibles, and topicals, but there also are a apparently endless amount of lines and types to pick out from. So how do you realize which marijuana product is high-quality for your wishes?

The first step is to take it slow browsing available products. A leisure marijuana dispensary can be staggering in the beginning glance, so take a while to slowly look through all of the products offered. Marijuana merchandise frequently have facts on their labels that supply the user greater facts approximately the feasible consequences of use.

The next step is to invite any questions you need to your budtender earlier than you buy marijuana. Your budtender is a cannabis expert, and they could solution a wide range of questions regarding marijuana merchandise and expected effects. No rely how simple or complicated your question is, do not be afraid to ask! Your budtender assist you to find a product primarily based on your favored consequences, fitness issues, or other requirements. Asking your budtender a litany of questions will make it simpler to pick out among the many merchandise on the dispensary shelves.

If you need help finding the proper type of marijuana merchandise for you and would as an alternative walk into a recreational marijuana dispensary with a product in mind, we are happy to offer a guide to help you make your purchase decision. Visit our scientific marijuana product guide to learn extra.

How Much Marijuana Can I Purchase?

There are barriers to how tons marijuana and its derived products you may legally buy and possess at any given time. These quantities will alternate by state, so take a look at together with your budtender to discover how an awful lot marijuana you could buy at one time.

In most recreationally felony states, there's a cap of 1 ounce of dried marijuana flower. Similar caps exist on how lots marijuana listen or edibles you could buy or own. We break down the sizes marijuana flower is sold in and typical expenses in case you’re trying to learn more.

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nickgerlich · 5 years ago

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Out Of Cash

I hardly ever carry cash with me. If I do, it’s usually because someone has reimbursed me for something. Otherwise, I carry plastic, knowing that practically everywhere I go, I can make my purchase. Who needs cash, right?

But when my daughters and I were in China last August, we had to carry Chinese currency, because once we were out of the highly-westernized diplomatic region of Beijing, American credit and debit cards were not accepted. Oddly, though while we were paying cash for everything, we noticed Chinese nationals using mobile payments.

Suddenly I found myself in the middle of a dilemma. Whereas I was ready to give up cash back home, and had even argued that everyone else should too, I was faced with either acquiring Chinese currency from a bank or ATM near our hotel, or tethering Chinese social media app WeChat to my American bank account. And since we were only there for nine days, I really did not wish to go down that road.

I get it now. Maybe cash isn’t so bad after all. And maybe it isn’t a bad idea that Philadelphia is among the latest cities to mandate that stores cannot go completely cashless.

The pros and cons of going cashless are lengthy, but mostly it pits business owners against social equality advocates. Businesses wish to streamline operations and not have to worry about being a target for robberies, while social advocates complain that the poor are least likely to possess credit and debit cards, or have mobile payments at their disposal. Heck, they are the most unlikely to even have bank accounts. And as for cash, it is all too easy for cash transactions not to be recorded, and thus evade taxation at multiple levels.

Of course, before we had credit cards, everyone took cash or checks. Checks? What are those? Seems like almost no one accepts those anymore. There are a few places across the country that accept cash only, like some small diners and food trucks, even though it is very easy for get set up with a Square point-of-sale terminal. Go to Colorado, though, where recreational marijuana is legal, and every one of those stores in cash-only. And no, I have not purchased any, but I have been with friends who did.

So why cash-only at those places? Simple. Marijuana is technically still illegal at the national level, so using credit or debit cards would necessarily involve interstate commerce, which would get banks, credit card providers, and stores in big trouble. So they accept cash only, and set themselves up as big robbery targets.

But I digress.

As for Philadelphia, as much as it may pain business owners, having to accept cash is only fair. Not everyone is going to have credit or debit cards available, or a mobile payment app, and cash is the only way they can make their daily purchases. And to be fair, there are some people with plenty of money who choose not to use credit, simply as a way of managing their own funds or protecting their privacy as a matter of principle.

And what about e-commerce? Doesn’t that eliminate those who do not have forms of electronic payments? Yes, it does. It’s kind of hard to shove cash through a computer screen. That’s a problem that has not yet been addressed, but at least in the brick-and-mortar world, we can face the issue head-on.

Besides, take a look at your US currency. Look at the small print. It says, “This note is legal tender for all debts, public and private.” That should settle it right there. Cash is usable by federal decree, and it really shouldn’t take municipalities having to enact local laws to protect the same.

It took visiting a different country and having to go to cash that caused me to see the other side of the equation. While it was inconvenient having to get cash every couple of days, at least we were able to buy meals and souvenirs. We had to sneak a peak at menus before sitting down, to make sure we had enough cash with us. It all worked out in the end, and just like Philadelphia means City of brotherly Love, we were able to coexist among the 21 million people in Beijing.

And I think that’s really what this issue is all about here in the US. One currency, many methods. Put that in your wallet and think about it.

Dr “Cash Is King...Sometimes“ Gerlich

Audio Blog

#marketing #cashless #cash #Philadelphia #retail

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raspberryblasphemy · 6 years ago

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Thank you April!

I’m feeling great and I just wanted to make a small post of good things from this month. :)

1. I have been consistent with my exercise! I do yoga nearly every day and have been sticking to my push up practice.

2. I don’t beat myself up the few times I’ve needed to take a day or two off!

3. SOYLENT. I seriously love soylent, it makes it super easy to make sure I’m getting the right amount of nutrition *and* calories when I don’t feel up to the task of taking care of myself, plus it keeps me satisfied.

4. I have been able to maintain a calorie deficit lately, which has always been a struggle for me as I like to overeat.

5. I haven’t succumbed to buying snacks that trigger binges.

6. I’m actually starting to notice the changes in my body in both the mirror and on the scale, which is always a validating experience!

7. I’ve lost more weight this month bringing the total weight loss down to 15 pounds.

8. The majority of my sprouts are hanging in there. I am not good at keeping plants alive, so this is great. :p

9. I was able to let go of more material possessions, all of it sentimental stuff that I didn’t want but felt inclined to keep (in the past.) More than anything it made me feel sad seeing it, so I am grateful I was finally able to let it go.

10. I FINALLY got my damaged front teeth fixed today, and I’ve been more dedicated than ever to my oral care. I made an appointment to fix the remaining tooth damage I suffer.

11. I made my own toothpaste today, and have been learning about more natural alternatives to plastic floss.

12. I love my stainless steel straw and have managed to avoid plastic straws a number of occasions while out and about.

13. I successfully signed up for an online class this summer which I may or may not drop out because of the cost -- it depends on if the school will allow me to make a payment plan because I’m not doing another loan. Or rather, I *can’t* do another loan. Either way I am proud of myself for completing the process which greatly challenged my anxiety.

14. I finally got some boots up for sale on poshmark that I’ve been lugging around for too long, and tomorrow I will get some pants listed.

15. I’m still sober after three months, whaaaaaa?! :)

16. We’ve been getting RAIN. <3

17. My mom and I discovered a local Vietnamese restaurant that serves SO MUCH VEGETARIAN FOOD. Vietnamese, Thai, and Chinese. I live in rural Colorado so this is an amazing discovery. I got Pho today, ahh!

18. I have a job interview in a couple of days for a library assistant position in my tiny little town. I applied way back in January so it was a surprise when I received the email asking if I was still interested. I actually really, really, really want the job. The extra money is just what I need right now!

19. I am more financially motivated right now, and determined to spend less on things I don’t need and pay down some of these debts --- particularly the medical ones are killing me ATM. I cancelled my audible account, my hulu account, and I’m going to cancel my amazon prime. Oh and I cancelled my subscription to that fabulous aloe vera gel I was raving about months ago. I just got a new bottle and intend to make it last! For a while, anyway.

20. After my last two periods (this month, wtf wtf) I can confirm that my depressive moods are PMS related, and my depression and anxiety meds are still doing their job. I need to remember that next time! IT WILL PASS.

21. Oh yeah, I love eco nuts! They work perfectly well and my clothes don’t smell like detergent chemicals. Do recommend.

22. I’ve started hanging my clothes out on the clothes line instead of using a dryer, and I appreciate the act of doing so sooo much more than I did as a child, haha. Saves energy and money.

Okay, that’s all I can think of at the moment. I might end up adding more. I’m ready for May! And just as I typed that it was 12:00am of May first, haha. Timed that perfectly. ;P

23. GAME OF THRONES

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opencabinet · 2 years ago

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atmcolorado · 2 years ago

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bitcoincasinos214 · 4 years ago

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Present-day Trends in Bitcoin

how to get free bitcoins

Bitcoin is built over the notion that revenue is any entity, or any sort of file, accepted as settlement for goods and additionally services and payment of debts inside of a given country and also socio-economic grouping. Bitcoin uses cryptography, or even mathematical equations, to master the creation in addition to transfer of capital, rather than relying on governing bodies and central savings authorities. Transfers designed for loans, sales, acquisitions or any other techniques for carpet cleaning payment can be refined by anybody, getting a desktop, smart phone, capsule, or laptop. That is all possible with the necessity for a financial institution to behave as an intermediary or simply recording agent.

Established in 2009, Bitcoin is often a digital currency presented as open resource software by a MIT student titled Satoshi Nakamoto. There exists much speculation about whether Satoshi is definitely actual person, as well as a collection of individuals having a pseudonym. Bitcoin tend to be minted by a operation termed mining, ın which specialized computer hardware finished complex mathematic equations and are rewarded by having a block of bitcoins. This process takes on the subject of 10 minutes as well as the current block benefits 25 bitcoins. Your block reward shall be halved to 12. 5 bitcoins within 2017 and once again approximately every 3 years thereafter. By way of 2140 there will be around 21 million bitcoins in existence.

This weeks time has shown a flutter of activity along with business owners of all lines getting on track by using Bitcoin. From business owners in New Orleans, to the Sacramento Nobleman of the NBA taking Bitcoin for airfare sales and organization paraphernalia, to casinos in Las Vegas, Bitcoin is popping up in all places. Venture Capitalist Philip Dixon believes Bitcoin may reach $100, 000 if this becomes the primary technique of ecommerce ( Sent ). The CHIEF EXECUTIVE OFFICER of a major on the internet retailer was cited as saying “Other retailers will not plan to miss out, Bitcoin marketplace is growing by 30% per month. ” This particular same retailer watched a 5% rise in sales the primary day it approved Bitcoin. Zynga Mmorpgs, one of the largest via the internet gaming companies, the reason for Farmville, Castleville, as well as a host of some also began processing Bitcoin for around game financial trades. After the five Major Banks said simply no to money out of marijuana dispensaries along with growers, Colorado’s genuine marijuana dispensary business turned to Bitcoin ( ZeroHedge ). A IRS has also not long ago launched a advertising campaign that allows taxes to get paid with Bitcoin. There has been Bitcoin ATM’s popping up in locations such as Vancouver, Ottawa, and a Bratislava Slovakia shopping mall. Recently, the popular York City Bitcoin ATM was apply to hold until a good public hearing beneath the jurisdiction of the Big apple State Department associated with Financial Services are usually held.

After flirting with the $1, 000 value just after the revolutionary Year, Bitcoin is steadily trading from around $950 to the Mt. Gox trading over the last fortnight and is particularly being nicely held by the 50 daytime moving average articulating Bitcoin is still unquestionably bullish. This was shocking to most analysts exactly who believed the regulating news coming out of Chinese suppliers, India, and Paris would burst Bitcoins bubble. However , Ellie Robinson, with around 30 years from experience in promote analysis, believes a large number of analysts are incorrect. He suggests that your strong correction you saw in premature December, coupled with a consistent support within the 50 day relocating average, indicates Bitcoin is an extremely good market, and should solely continue to increase inside value.

References Bitcoin https://en.wikipedia.org/wiki/Bitcoin

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lawrencedienerthings · 4 years ago

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Cash or card?: Coronavirus further shifted society away from currency, toward digital payments

#oneday🌃 🚨 👰 🏧 🎯

more news https://northdenvernews.com

Olivia Gates passes her cash to Ashley Magy, general manager of the Fika Coffee Shop in downtown Parker on Monday. Cash payment has become the exception as digital transactions increase, especially during the early days of the coronavirus pandemic. (Kevin Simpson, The Colorado Sun)

As a young bartender reliant on tips, Josh Rivero developed an early affinity for cash and envisioned one day opening his own bar, complete with ATM, that would operate on nothing but legal tender.

Times changed, and when he and his wife, Anna, opened the Fika Coffee House in 2008 in downtown Parker, he noticed the gradual shift toward credit and debit cards. Most customers now tap or swipe or complete their transaction on their smartphone, though Rivero still loves when someone pays for a $2 cup of coffee with a $20 bill and tells the cashier to “pay it forward,” which means to pick up the tab for the next several patrons.

COVID-19 IN COLORADO

The latest from the coronavirus outbreak in Colorado:

MAP: Known cases in Colorado.

TESTING: Here’s where to find a community testing site. The state is now encouraging anyone with symptoms to get tested.

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STORY: Colorado teachers want a voice as schools plan for fall classes during coronavirus crisis

>> FULL COVERAGE

When the coronavirus hit in mid-March, though, Rivero posted a sign asking customers to avoid paying in cash, out of safety concerns that the virus could be hitching a ride on well-traveled paper and change. The sign came down more recently, but the migration toward digital payment continues.

“In our 13 years I’ve seen a tremendous decrease in cash we take in,” said Rivero, who with his wife also co-owns a second Fika outlet in the area. “With the pandemic, we suggested people do something else, but we’ll always take cash. Personally, I prefer cash. I’m old school.”

Not long ago, when the coronavirus shutdown hamstrung businesses and made many uncomfortable with handling paper money and coins, the gradual move away from cash accelerated in Colorado and across the country. Although fears of virus transmission via currency have lessened as health officials determined the biggest threat is airborne, the trend toward plastic continues.

Commerce may never banish greenbacks entirely — some businesses prefer cash to avoid card transaction fees — but the winds blow strong in a digital direction. That means a trend toward ever-greater convenience for many consumers. But for lower-income people who work in cash-dominated businesses and can’t access a bank account — or for those who simply don’t trust the nation’s financial system — it can mean a lifetime of added expense and an inability to access credit for anything from retail purchases to cars and homes.

The pandemic also hastened boom times — or at least the promise of boom times — for those in the business of facilitating digital transactions.

PayPal CEO Daniel Schulman told the Los Angeles Times that the pandemic basically condensed the time frame for reaching the “tipping point” for digital payments from years to months. And person-to-person payment systems, like PayPal-owned Venmo, also experienced a dramatic spike in new users.

Colorado has also gotten a piece of the action. After a recent vacation day on Union Reservoir, Nancy Trigg stopped off for a late-afternoon beer at Left Hand Brewing Company in Longmont. As she went to pay, she chose not to use cash — not surprising for Trigg, who’s the chief growth officer for the Boulder-based Arryved, which provides point-of-sale services for the craft beverage industry and others.

Instead, she pulled out her smartphone, opened an app and took care of the tab without having to use currency or even handle a pen to sign a credit card receipt.

Only a few months ago, pre-coronavirus, Trigg and her colleagues at Arryved were talking about testing their new app and how they could encourage people to download it. Then, when the pandemic hit, they moved quickly to release it — and watched as it accumulated more than 30,000 downloads and counting.

In short order, the company pivoted from point-of-sale services — processing card transactions — toward building apps and online stores for their beverage-focused customers in 48 states, primarily breweries, brewpubs and some restaurants.

“Everyone was looking for touchless options,” Trigg said. “During COVID, although our revenue is down, in terms of new customers we’ve grown exponentially.”

Nancy Trigg, chief growth officer for Arryved in Boulder, gets ready to pay her tab at the Left Hand Brewing Company. Arryved helps clients with apps, online stores and point-of-sale processing — further the general trend away from cash purchases. (Provided by Eddie Clark Media)

Meanwhile, popular eateries like Chick-fil-A have moved toward contactless service, including using plastic containers to receive cash and dispense change. Even card transactions no longer require punching in a PIN number or gripping a pen for a signature.

And with a nationwide shortage of coins — another cash issue triggered by the pandemic — several large retailers like Lowe’s and King Soopers have sounded the alarm and some businesses have started to request either exact change or a card to process purchases.

Cash had been dethroned as the leading form of payment well before the pandemic shut down almost all bricks-and-mortar commerce, which gradually reopened with measures like plexiglass at the point of sale. But the coronavirus supercharged the concept of touchless transactions.

Still, debit cards had already left cash in their dust when it came to consumers’ preferred payment options, said Christina Huber, professor of economics at Metropolitan State University Denver.

“Of course, the pandemic definitely accelerated that,” she said. ”Consumers became a little afraid to use cash and retail stores actively discouraged use of cash for fear of touching cash and making you sick, or cashiers and consumers making each other sick. Stores discouraged it, and local authorities encouraged touchless payments.”

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And so, during the pandemic, two primary forces have been pushing consumers away from cash, according to Thad Peterson, senior analyst at the Boston-based Aité Group. The first was necessity: When the lockdown paralyzed in-person business, retail customers migrated toward online shopping, the only game in town.

“This dramatic increase in digital commerce will decline somewhat when the pandemic abates,” Peterson said, “but many consumers will have discovered the convenience and simplicity of digital payments and will be less likely to use traditional payments going forward.”

The second was safety-driven: Contactless transactions allowed consumers to make in-store purchases without having to make physical contact with a terminal, be in close proximity to a clerk — or dig into their wallets, where Benjamins may have been cooling their heels for months.

An example of contactless payment through Google Pay. (Unsplash)

“Between the two of these, the use of cash is declining more rapidly than it had been before the pandemic,” Peterson said. “However, cash will not be replaced in the foreseeable future. No form of payment has ever gone away in the history of payments, and a cash drawer will be a fixture at retail locations for a very long time to come.”

A 2019 study by the Federal Reserve Bank of San Francisco showed that from 2017, cash transactions dipped by 4 percentage points, to 26% from 30%. Cash did account for nearly half of payments under $10 and 42% of payments under $25, but only 10% of transactions over $25.

There’s also a generational theme to cash use. The youngest age group, 18-25, and the oldest, 65 and over, use cash for about one-third of their purchases, while the lowest level of cash use — less than 20% — is by those between 25 and 44.

The simple truth is that currency is just filthy.

Virtually all of those bills in your pocket are dirty, studies have shown, once they’ve been passed around awhile — and cash can stay in circulation for a decade or more. They can harbor hundreds of varieties of microbes, bacteria, viruses — and even traces of cocaine. The porous makeup of U.S. currency, 75% cotton and 25% linen, makes it easy for microorganisms to settle in for a ride, but harder for them to come off on your hands and transmit disease.

Still, when the coronavirus pandemic hit, the Centers for Disease Control and Prevention put out directives to minimize contact with both cash and the mechanisms used to process credit cards. Some businesses quit accepting cash altogether, but that move elicited pushback on the grounds that it put people who relied on cash at a disadvantage.

Although fears of spreading the virus via currency have lessened, an update for bank employees issued by the CDC at the end of June still cautioned that the virus could be transmitted by touching cash and then the mouth, nose or eyes.

The current focus centers on airborne transmission, said Dr. Lisa Miller, professor of epidemiology at the University of Colorado Anschutz Medical Campus.

“What CDC is saying is they don’t think objects — or fomites, as they’re called in science literature — are the main way coronavirus spreads,” Miller said. “Based on the literature and the outbreaks that we’re seeing, it’s mostly a person-to-person respiratory spread. Things like your mail or currency don’t seem to be a major factor.”

A masked Courtney Limmer pays general manager Ashley Magy in cash for her drink at Fika Coffee House in Parker. The Main Street business asked customers not to use cash earlier in the pandemic for safety reasons. (Kevin Simpson, The Colorado Sun)

Nevertheless, she added, it still makes sense to wash hands thoroughly or use hand sanitizer when returning home or after contact with other people — and avoid touching your face with your hands. The virus can survive on objects anywhere from hours to days, depending on the type of surface, so it’s good to be aware of shared surfaces.

“Cash is one thing,” Miller said, noting even some digital transactions involve shared pens or a clerk swiping your card. “But there are other things that we’re touching as well. Not everything is contactless. Currency is definitely one that gets shared a lot, but there are still other shared objects people should be conscious about.”

In the early days of the pandemic, some bank customers in the U.S. and abroad actually started pulling their cash from accounts.

“Not necessarily to spend it,” said Huber, the MSU Denver professor, “but to store it under a mattress because they were unsure what would happen with the financial system, with society, and how the pandemic would play out.”

Amanda Averch, spokeswoman for the Colorado Bankers Association, confirms that there were reports of large cash withdrawals.

“We tried to get out ahead of that, to let people know their money is safe, and not a penny of FDIC-insured money has been lost by a bank,” she said.

On March 18, the CBA issued a media release urging customers not to make large cash withdrawals, warning against possible contamination.

“Particularly amid concerns of spreading a virus, consumers should remember that keeping cash in the bank is a prudent defense against contamination,” the release read in part. “A single dollar bill can be home to as many as 3,000 different bacteria and has changed hands upwards of a thousand times. Instead, consumers are urged, whenever they are able, to use other forms of payment including credit and debit cards, which can be easily sanitized using alcohol-based antibacterial wipes or a wet, soapy cloth. While consumers are cleaning their cards, they can rest assured their banks are well prepared to stay up-and-running amid any crisis.”

Huber notes that, while there’s less cash movement now, the trend toward using money to “store value” rather than as a medium of exchange continues to gain traction.

“The amount of cash circulating has risen in the last 10-15 years,” she said, “but the amount of transactions has gone down. That means people are keeping cash somewhere. They’re not using it to make payments.”

For some, the attraction to cash runs deeper. Not only does it promise anonymity, but it also bypasses a financial system with its rules and records and remains largely immune to large-scale, cataclysmic events — like a pandemic.

To take advantage of the convenience of digital transactions “means you have to trust the government, the banking system, the financial system that all of those transactions will be safe and your money continue to be there,” Huber said. “Trust seems to be slowly breaking down in our society, so maybe we’ll never go completely cashless.

“But I don’t think this trend toward cashless transactions will go away,” she added. “There are a lot of benefits if we go cashless. Hopefully, society figures out creative ways to do it so nobody is left behind.”

Nationally, an estimated 6% of adults don’t have checking or savings accounts that would allow them to process online payments.

At Bank On Denver, part of a national nonprofit network that offers free financial coaching and helps so-called “unbanked” or under-banked individuals into affordable banking, program director Lauren Money said the pandemic hasn’t changed the impact on cash-dependent people so much as it has “shined a light” on their problem.

“If you don’t have a bank account,” she said, “you’re steered toward more expensive products, like prepaid cards or money orders. Some cards have fees for everything — when you load them, check the balance, make a payment.”

She added that studies have shown individuals with no bank account spend about $45,000 more over their lifetime in fees and other costs associated with those more expensive payment methods.

Money notes that the low- and moderate-income people her organization sees found themselves at a further disadvantage as coronavirus stimulus funds reached individuals with direct deposit before those who were cut paper checks. And then they faced the question of how to cash them.

Some banks that partner with the Bank On coalition agreed to cash them, and offer free or low-cost banking services that can include prepaid debit cards with no fees. An arrangement with the Aurora court system helps individuals pay fines for nonviolent, non-felony crimes by reducing the amount of the ticket for people who attend three financial coaching sessions.

Part of the goal is to help people realize the advantages of digital transactions.

“That’s where we’re moving to,” Money said. “Thirty years ago, banks couldn’t even operate across state lines. Now they’re internet based. We’re moving toward a more digital age.”

Patti Kane, visiting from Columbus, Ohio, pays in cash for her snack at the Fika Coffee House in downtown Parker. (Kevin Simpson, The Colorado Sun)

Tony Cookson, an associate professor of finance at the Leeds School of Business at the University of Colorado Boulder, has studied another group at high risk of being left behind in the digital migration — Native Americans.

Cookson looked at every reservation in the U.S. with at least 250 residents and surveyed both those who grew up with banks nearby and those who did not to determine if that affected things like financial literacy and whether they were likely to have credit cards.

About 30% of those who grew up in proximity to banks had no credit history, and about half of those in areas without ready access to banks did not. The lesson from the study, Cookson said, is that early exposure to banks and digital forms of payment leads to familiarity.

“Having a bank account is one thing,” Cookson said. “But as far as having these other forms of payment, there’s even more who fall into that category, who don’t even have a credit record. A lot of the reason is access. One of the things we know is that having a bank nearby makes it more likely that you’ll get a credit card and get experience with finance.”

One subset of the general population has reason to rely on cash that cuts across socio-economic boundaries — people who purchase cannabis products in an industry that, pending a change in federal law, remains almost entirely a cash-only proposition.

Alex Levine, the co-CEO of Colorado’s Green Dragon dispensaries, said that while retail cannabis has adapted somewhat to its federal banking prohibition, the fact that the stalled cannabis banking bill was even mentioned recently in the midst of discussions about the coronavirus stimulus package represents a shift in the way the industry is regarded.

“If there’s any silver lining to all this,” he said, “I hope it’s that people understand the importance of getting cash out of this business or reducing the cash exposure of the cannabis business. But until a bill like that passes, no one’s been able to do anything.”

Levine said that even though the industry has developed some workarounds that allow patrons to use cards in what amounts to an ATM transaction, the idea of cannabis as a cash business remains ingrained. And COVID-19 did little, if anything, to change that.

“If ever there was a moment that would make people switch to cards, this would be it,” Levine said. “I was working a lot of the stores, because we were so short-staffed and to me, even though people were concerned, consumers were still paying with cash.”

There are a lot of reasons Levine doesn’t like cash — for one, the logistics of keeping cash are expensive — but when it comes to the transmission of the virus, he said he sleeps better knowing that his dispensaries have handling currency down to a science.

“There’s very little touching of cash,” he said. “Yes, you tender the change. But we feed cash into smart safes. We’re doing drops and deposits all the time. In our chain of custody, we touch it very little. It’s not like at the end of day we have people counting and bagging the cash, doing all this reconciliation in house.”

With the near-complete shutdown in March and only gradual reopening of the economy, the concept of digital financial transactions has caught on with some new fans, said Mac Clouse, professor of finance at the University of Denver’s Daniels College of Business. Security issues still give some pause. But the coronavirus-charged rush to electronic payment has counteracted that a bit.

“Now the public is in a situation where in some cases they’re not given a choice,” Clouse said. “So people discover it’s not bad to swipe a card, and it’s easier to accept than other payment methods.

“I haven’t taken cash out of my wallet for months.”

Though use of cash is fading, some consumers — and businesses– favor it. (Kevin Simpson, The Colorado Sun)

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