You just have to think about whats best for you. I think it also depends on where you live. For example a friendly town in the midlands, id imagine that most people would be in, and woukd be happy for some smalltalk on collection of monies. But down here, no one has the time, no one even has this time to remember to make payment these days, its no mallice its just the way it is. No one even has time for smalltalk, its mostly morning how are you, and yep fine, and you mught get a cupa tea here, but if you stand at the door trying to chat and then expect cash payments, your going to be looked at very strangely down here. Its funny isnt it.