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If you’re planning to mug somebody, wait until he’s gone to the cash machine. A poll by Money finds 41 percent of consumers carry less cash than five years ago, thanks to credit cards, ATM cards, smart cards and checks. Just 10 percent carry more cash now than then. Meanwhile, 52 percent said ATMs, online bill paying and other high-tech services make it easier for them to manage their money; 29 percent said these capabilities make it harder.
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