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Old 09-08-2011, 04:38 AM   #41
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Or....maybe we're just up early...... yeah, that sounds better.
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Old 09-08-2011, 05:10 AM   #42
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No I am up late - context was Cleansing of the Temple ‘ Do not make My Father’s house a house of merchandise!
http://en.wikipedia.org/wiki/Cleansing_of_the_Temple

LOL I haven't been to sleep yet all night and the wife will be up in two hours to go to our land to hike , ride ATV's ,feed the fish and shoot the SMG's

No worries , I sleep mid day , have a sealy posturepedic and the sounds of nature up there.

not knocking you at all just a different point of view.
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Old 09-08-2011, 11:02 AM   #43
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you mean you do not stash a little cash in your vehicles? half of all my dealings is in cash
even today I bought gas a the thumb thumb airport / 29 and the card would not work so I go inside and their machine was down period ! cash only
without cash it was no gas.
besides as long as people deal with cash then they can deal amongst themselves without government interference. from garage sales to the local farmer who sells his goods.
when we do become a cashless society the Government will have complete control and monitor your every move and corruption will be 100% and tax you to death
myself , there are many things i only buy with cash. CASH IS FREEDOM. JMO
Cash is not dependent on or subject to machines, electricity, fraud, big brother stalking you, etc.

It stands on its own two feet and has no lips.
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Old 09-08-2011, 11:18 AM   #44
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Horse crap...credit card fees are about to raise and it's gonna hit the retailer...so Hookey you kinda contradict yourself in regards to carrying cash to pay someone in person or to go to a pawn shop or flea market...you'll shop at those places with cash but those of us that are trying to trim
Our costs so that WE CAN provide you with a good product with a reasonable cost are second rate...wow
You are spot on, on this one. Got a letter the other day for a new type of fee charged if I do not go online and fill out a questionaire. The outside of the envelope said in a big red block "Rate Decrease Notification" Inside it said that I was going to be charged an annual compliance fee of $45 but if I do not meet the compliance then the fee is $75. If I do not go online and take a SAQ (whatever that is) then I will be charged a $15.95 monthly non compliance fee for that. No where did they mention in any written detail how I was getting a rate decrease, but in fact could be paying hundreds of dollars more for non compliance. Non compliance to what? Their, I gotta have mo of yo money thinking?

Then today I get another notice of a $4.95 monthly fee for an IRS mandate (IRS 6050W), part of new regulatory requirement in relation to my merchant account. Assesed in order to implement and manage the processes needed to meet the new requirements. Sounds to me it is a fee for IRS spyware on my transactions.

I'm thinking I might have to add a surcharge to all charge outs and a discount for all cash. 3% up and down.

I would be curious of anyones opinion of this?
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Old 09-08-2011, 02:07 PM   #45
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You are spot on, on this one. Got a letter the other day for a new type of fee charged if I do not go online and fill out a questionaire. The outside of the envelope said in a big red block "Rate Decrease Notification" Inside it said that I was going to be charged an annual compliance fee of $45 but if I do not meet the compliance then the fee is $75. If I do not go online and take a SAQ (whatever that is) then I will be charged a $15.95 monthly non compliance fee for that. No where did they mention in any written detail how I was getting a rate decrease, but in fact could be paying hundreds of dollars more for non compliance. Non compliance to what? Their, I gotta have mo of yo money thinking?

Then today I get another notice of a $4.95 monthly fee for an IRS mandate (IRS 6050W), part of new regulatory requirement in relation to my merchant account. Assesed in order to implement and manage the processes needed to meet the new requirements. Sounds to me it is a fee for IRS spyware on my transactions.

I'm thinking I might have to add a surcharge to all charge outs and a discount for all cash. 3% up and down.

I would be curious of anyones opinion of this?
I would assume that you are not the only merchant getting those notices. I would expect that other merchants are going to be raising their prices to cover these addtional costs. It is not going to change the way I spend my money and I suspect that I'm not in the minority.

The 3% discount for cash sounds like a fair idea but it risks alienating those that don't always carry around a big wad of cash (2/3 of your business as you stated). Not to mention that by attempting to cater to the frugal nature of "cash carriers" you are might be encouraging people to spend less at your business. If I only had $10 in my pocket and knew I would get a 3% discount for paying cash, I might forgo that bag of chips or drink or whatever that might put me over the $10 limit that I otherwise wouldn't worry about if I was paying with plastic.

Now I'm up to $0.04 (american express?)
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Old 09-08-2011, 02:42 PM   #46
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I use both cash and cc. I shop plenty of places that add a 50 cent fee if I use the cc instead of cash. Doesn't bother me one bit because I have the option. The problem of carrying 100's is rarely can you get them changed. Carry around that many 20's and you will be walking with a limp.
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Old 09-08-2011, 09:24 PM   #47
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I use both cash and cc. I shop plenty of places that add a 50 cent fee if I use the cc instead of cash. Doesn't bother me one bit because I have the option. The problem of carrying 100's is rarely can you get them changed. Carry around that many 20's and you will be walking with a limp.
OK, this is better than discounts, etc. How many others are used to paying a .50 cent fee on a small lunch charge out?
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Old 09-08-2011, 11:26 PM   #48
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Good on ya for getting something back I guess, but please understand that the $700 did not come from the credit card company like they want you to think. Merchants pay a higher fee for accepting cards that have rewards programs, like cash back. You can thank all the businesses you did business with over the year for the $700, NOT your credit card company. Your airline miles, cash back, rewards points and gas discounts all came out of some business man's pocket. That's why cash only is a good thing. It makes the transaction fair.

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I'll tell you why I use a credit card for everything. I pay my credit card off every monthe. I do keep cash in my pocket when the need for it comes up. After a year and a half I cashed my reward points in and got $700.00 cashcredited to my account. Besides if you pay with cash in any resturant that takes credit cards you are also paying for the credit card fees it's all figured into there prices.
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Old 09-08-2011, 11:50 PM   #49
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Cash is King period. When the cash is gone (They) can turn off your plastic at the flip of a switch and you cannot buy anything, go anywhere and you will be able to do nothing about it.

You ought to see everyones eyes light up when I give them a Kennedy half dollar in their change. A Kennedy half is the most saved common coin in the U.S.
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Old 09-09-2011, 01:30 AM   #50
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Yes but guess what....your good ole American dollar could be turned off at the flip of a switch just as easily. In fact, I predict it will. A George Washington is already far less valued than it was just a few years ago. Many countries who used to take the USD won't even accept it any more. Try buying something in India or China with a Dollar bill. It won't happen. Some places in Mexico won't even take it any more. That should tell us something.
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