Tim, each to his own. For the member, unless you want to be able to have a friendly wager on the course, you need not worry about carrying or exchanging cash at the club. You also need not worry about the type of tip competition alluded to by Barney. Many of the women members at our club expressed real concern on this issue. It also makes it easier for guests who need not wonder whether they should take care of caddies, locker room attendants, car parkers etc. There are other ways to incentivize employees. Higher base wages certainly help. Our club has a scholarship program for employees and their families among other benefits. It seems to work as we have a large number of employees who have been with us for more than a decade, some who exceed 30 years service