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ILLEGAL in some states but legal in others? United we stand, divided we fall.....I find it ridiculous that some things slide in some states but not in others. In NH its illegal to tint your windows and run your car with no front plate. Yet I can drive 30 mins to Mass and get away with it. fething idiots.

 d3m01iti0n wrote:
ILLEGAL in some states but legal in others? United we stand, divided we fall.....I find it ridiculous that some things slide in some states but not in others. In NH its illegal to tint your windows and run your car with no front plate. Yet I can drive 30 mins to Mass and get away with it. fething idiots.

Are you just fundamentally against the concept of states then? States only mean anything if they can have non-uniform law.

 lucasbuffalo wrote:


Most large stores in Texas (HEB, Wal-Mart, etc.) Have a thing where all you do is sign your name on a check and a printer does the rest on the check for you. Takes less time than a debit card and works even if there are internet connectivity and other issues going on.

Yup, it's running the check as an EFT (electronic funds transfer). Basically, it treats it like a debit card.

One thing that bothers me about retailers passing the charge is that it is likely that they will charge a base fee that may be more than the actual fee. Additionally, you certainly won't see prices adjusted downward. Traditionally, CC companies didn't want this passed on as it would discourage CC use.

 d3m01iti0n wrote:
ILLEGAL in some states but legal in others?

Automatically Appended Next Post:

 jmurph wrote:

 lucasbuffalo wrote:


Most large stores in Texas (HEB, Wal-Mart, etc.) Have a thing where all you do is sign your name on a check and a printer does the rest on the check for you. Takes less time than a debit card and works even if there are internet connectivity and other issues going on.

Yup, it's running the check as an EFT (electronic funds transfer). Basically, it treats it like a debit card.

EFTs are about the most insecure thing you can do with your money other than stack your cash on the top of your head.

Anyone with those numbers or a check can use them unless you block the whole account with your bank.

 Cyporiean wrote:

 Sergeant Horse wrote:
Stores should get smart and just use Square for their credit cards

https://squareup.com/pricing

2.75% per charge, or $275 a month.

I don't think I've ever seen Emily not be on top of this type of issue. I'm in lurv.

Yes, we could charge it on a per-transaction basis. But people tend to be turned off by that when you ring them up at the cash register. Since custom framing is rarely cheap, and long to calculate, I'd hate to lose a customer because of this. And it's not has if we are in a wonderdul economic period either.

Man, I wish I had as little as 12¢ per transaction. It is a full dollar in my case, 65¢ if I buy into a more expensive monthly fee.

To be fair there are a load of costs involved in processing cash; pay for the staff to take it to the bank, extra insurance costs due to staff transporting cash. Change isn't free either the banks charge for that.

The cost of doing business should be included in your pricing.

 ph34r wrote:

 d3m01iti0n wrote:
ILLEGAL in some states but legal in others? United we stand, divided we fall.....I find it ridiculous that some things slide in some states but not in others. In NH its illegal to tint your windows and run your car with no front plate. Yet I can drive 30 mins to Mass and get away with it. fething idiots.

Are you just fundamentally against the concept of states then? States only mean anything if they can have non-uniform law.

Only concerning the laws that affect me; i.e. my blacked out windows and no front plate blocking my intercooler. Other than that its the bees knees.

In all seriousness though, I love New Hampshire, theyre just very strict. About everything. And dont believe the "no sales tax" gobbledygook. They rape you in other ways.

 Bangbangboom wrote:
To be fair there are a load of costs involved in processing cash; pay for the staff to take it to the bank, extra insurance costs due to staff transporting cash. Change isn't free either the banks charge for that.

The cost of doing business should be included in your pricing.

Agree. I personally dislike using cash as I have been attempted short-changed so many times in my life. It is bad enough I only pay cash when It is a place I trust or food where I use smaller bills.

If I use a 20$ I explicitly hand them the twenty and say "I am handing you 20 dollars" and I won't let go of the money until they make eye contact with me and look at the bill I am handing them. I know some places train staff to not put the money in the drawer until change has been dispersed so the money is on top of the register for reference to protect employees from customers too.

Dirty people still short-change with cash, and in turn, cheaty customers shortchange stores knowing that most times they won't argue. I will explicitly watch people in line and if I see a cashier or a customer attempting to short-change the other, I will say something if I witness it.

I am sure the marketplace will find a happy medium that will keep customers happy. Gas stations have already been doing "5cents cheaper for cash" for years... so there are solutions.

 Mathieu Raymond wrote:

 Cyporiean wrote:

 Sergeant Horse wrote:
Stores should get smart and just use Square for their credit cards

https://squareup.com/pricing

2.75% per charge, or $275 a month.

I don't think I've ever seen Emily not be on top of this type of issue. I'm in lurv.

From my phone while driving to Templecon even.

 nolzur wrote:
And yet, most of these places still will not take checks - even from people they know who are loyal customers.

Given my only identity theft issue was from info lifted off a check, who the hell wants to use them anymore if you can avoid it?


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 lucasbuffalo wrote:
This upset me until I saw Texas on the safety list :3

Dude, we're still being charged the extra. They just dont have to tell you about it. Though really it should fall into the "no duh" category of operating expenses, along with rent, paying employees, utilities, etc.

At least my liquor store offers a cash/debit discount. More places should do the same if they want to dodge fees.

We are right next to a bank and we carry the money ourselves. And we keep the change of all our cash transactions we do as individuals, it keeps us stocked so far.

https://www.dwolla.com/

Check that out, a company in the USA charging a flat rate for any size transaction, and it is bank to bank, not credit based. Genius, hope to see this continue.

PayPal and Credit Cards are about the same cost to the business owner, but there are other benefits and setback to either such as delays in actually getting the money. Square is generally better, but often merchants are locked into long term contracts with Credit Card companies and it isn't that easy to just drop them without paying a lot in fees.

Cash is king, and if you really want to support your FLGS, always pay in cash if possible.

Three important benefits to using credit.

If my wallet is lost or stolen, all that cash is gone. My credit card is safe.

Any purchase I make with my credit card is protected.

Freedom to purchase anything I want anytime I want it. Not always a good thing but sometimes a necessary thing.

I'll pay a few more percent to keep that protection racket going. Although I suspect few retailers will pass the fees to customers in fear of backlash. We shall see of course.

 kronk wrote:

 nolzur wrote:
And yet, most of these places still will not take checks - even from people they know who are loyal customers.

Unless you're 80 years old and on a pension plan, or paying your yard service guy who may or may not be here legally, why the feth are you buying anything with a check?

I'd rather be behind 4 screaming toddlers with whooping cough than one soccer mom trying to figure out how to write a fething check at the grocery store...

Hah, aint that the true. I have a family member that is a salty old corpsman that still uses checks. I laugh for while every time he pulls out his checkbook and glasses.