graham wrote:
> During a visit to the US some years ago I was astonished to find gas
> stations offering a discount for cash but full price for credit cards.
> That practice is not allowed in Alberta. If a merchant tries that, the
> companies come down on him like a ton of bricks, T

Fascist states are like that.

On Thu, 07 Jan 2016 10:39:29 -0800, sf > wrote:

>On Thu, 7 Jan 2016 08:40:45 -0800 (PST), John Kuthe
> wrote:
>
>> On Thursday, January 7, 2016 at 10:22:48 AM UTC-6, John Kuthe wrote:
>> > On Thursday, January 7, 2016 at 10:12:13 AM UTC-6, Janet wrote:
>> > ...
>> > > I pay exactly the same price as cash. I pay no charges whatever for
>> > > the use of my DD or credit cards. This is not the USA.
>> > >
>> > > Janet UK
>> >
>> > I DO live in the U.S. and I pay no charges on my CC because I pay off the balanace every month! I'm what creditors call a "deadbeat"!
>> >
>> >
>> >
>> > John Kuthe...
>>
>> Here's the PBS Frontline program I was looking for. About 13 or 14 mins in, Ben Stein is describing how he uses his ctedit cards (pays them off in full every month) and a credit card employee told him "We hate you guys, we call you deadbeats!"
>>
>> http://www.pbs.org/video/1340904268/
>
>I doubt debit card users will ever understand the concept.

I can't figure how you can be soooo dense! I do not pay, nor have to
pay off my debit card within a certain time, it is simply a way of
paying a merchant directly from my bank account. Is that too
difficult to hoist in????

On 8/1/2016 04:47 Gary wrote:

> Ophelia wrote:
>>
>> "Gary" > wrote in message ...
>> > Ophelia wrote:
>> >>
>> >> +1 sf simply doesn't understand how our debit cards work.
>> >
>> > That's evidently true. She seems to think that you pay a transaction
>> > fee every time you use a debit card. It's not true at all.
>>
>> Ahh ok. I was beginning to believe yours worked differently which is why I
>> said she doesn't understand how OUR debit cards work!
>>
>> So, yours work the same as ours then so that mystery is solved)
>
> Yep. sf is just a clueless dumbass ASSuming things. Evidently her
> beloved hubby is handling all the end of month bills.

I don't think there's a fee for using credit cards either here. Except
at Aldi and for Amex cards. So I wonder where that idea comes from.

--
Bruce

On Thu, 7 Jan 2016 18:41:05 -0000, Janet > wrote:

>In article >,
says...
>>
>> On Wed, 6 Jan 2016 23:32:56 -0000 (UTC), Bruce >
>> wrote:
>>
>> >On 7/1/2016 09:20 Ed Pawlowski wrote:
>> >
>> >> On 1/6/2016 9:38 AM, Ophelia wrote:
>> >>>
>> >>
>> >>>
>> >>> We are retired now and enjoy each others' company. In the past his work
>> >>> often took him away from home and eventually I retired a bit early to
>> >>> travel with him. Now we are both retired we appreciate the time we
>> >>> have together and we make the most of it Oh and just so you know, our
>> >>> money (pensions, savings et al) we have combined. We have no 'his and
>> >>> hers' money! We have 'our' money!!!
>> >>
>> >> Good for you. My wife has not worked for years, but it has always been
>> >> "our" money. She now has Social Security income but does not bother
>> >> with it as she prefers not to have to worry about it. She has a little
>> >> cash and her own credit card. When we go out, she pays for nothing. She
>> >> is happy and wants for nothing.
>> >
>> >The perfect pet.
>>
>> Not at all, I see it as two couples who are happily living together
>> the way in which they want. Whats the matter, not working for you?
>
> I have seen the wretched consequences faced by totally dependent
>spouses, when the one who managed/ran everything dies first, leaving the
>other not just grieving, but facing the extra burden of unfamiliar
>responsibilities and tasks they've never done for themselves.
>

Back many years ago, that was so but I don't think such is the case in
years. I can remember women older than I who didn't know even what
their husband earned per pay cheque, who didn't drive (another control
habit) who hadn't a clue how to write a cheque, but they are all long
gone now.

If David were here and wanted to pay the bills and organise all things
financial, like Confucius said to do about rape, I'd just lie back and
enjoy it!

On 8/1/2016 07:18 wrote:

> On Thu, 7 Jan 2016 08:10:53 -0700, graham > wrote:
>
>>On 07/01/2016 5:40 AM, wrote:

>>> No as usual he was trying to pick on me - he is so adamantly set
>>> against womens rights I suspect he is hen pecked.
>>>
>>You mean he has an abusive wife!
>>:-)
>
> Seems like doesn't it ? Maybe he's cowed

Y'all have too much imagination

--
Bruce

On Thu, 7 Jan 2016 13:19:34 -0700, graham > wrote:

>On 07/01/2016 11:44 AM, Ed Pawlowski wrote:
>> On 1/7/2016 12:09 PM, Gary wrote:
>>> Ophelia wrote:
>>>>
>>>> +1 sf simply doesn't understand how our debit cards work.
>>>
>>> That's evidently true. She seems to think that you pay a transaction
>>> fee every time you use a debit card. It's not true at all.
>>>
>>
>> Correct, the merchant pays a fee. You just pay higher prices for
>> everything as the merchant has it build into the selling price.
>
>During a visit to the US some years ago I was astonished to find gas
>stations offering a discount for cash but full price for credit cards.
>That practice is not allowed in Alberta. If a merchant tries that, the
>companies come down on him like a ton of bricks, The same used to apply
>when merchants tried to apply minimum purchase amounts. I've seen people
>using plastic to pay for a $2 coffee, which is ridiculous, even allowing
>for the high profit margin on that drink.
>Graham

The other one was full price for full service instead of pumping your
own.

On 1/6/2016 11:36 PM, Bruce wrote:

> I admit it was a bit harsh, but you do sound like you're from an era
> long gone by when you talk about men and women. That too can be
> offensive. At least to people with a more contemporary mindset.
>

If you want to take a shot at me, fair game. To make comments about
someone's spouse is rather low, IMO.

Let's see if I can **** off some of the contemporary mindsets though.
We've been married 49 1/2 years. In that time my wife has held a job
for a total of maybe 1 1/2 years. Notice, I said "held a job" since as
a stay-at-home mom works pretty hard too. Our kids were not perfect but
having a parent there when they came home from school was a good thing.
Too many kids are in a warehouse after school.

She used to have a car. She is a good driver, accident free, but does
not like to drive. I take here wherever she has to go even if it means
leaving work to do it. I still get paid so no loss. Gave her car away
about 3 years ago.

She has her own credit card in her name. Never looks at the bill, just
hands it to me. It has never been over $300. Rarely has more than $30
in cash on her. If we go out together, I take care of any money needed.
She has no restrictions on buying anything. She likes to sew and
embroider so she picked out a new machine. Got it at a huge discount
for $4500.

She has an income from SS but never sees it. Goes into the joint
checking account.

She has the ability and financial status to up and leave if she ever
wanted to, but we like the way things are. She wants for nothing and
gets pampered a lot. May not be contemporary, but it works for us.
Some people I know are actually jealous as they go about their
contemporary lifestyle.

On 8/1/2016 07:44 Ed Pawlowski wrote:

> On 1/6/2016 11:36 PM, Bruce wrote:
>
>> I admit it was a bit harsh, but you do sound like you're from an era
>> long gone by when you talk about men and women. That too can be
>> offensive. At least to people with a more contemporary mindset.
>>
>
> If you want to take a shot at me, fair game. To make comments about
> someone's spouse is rather low, IMO.

I wasn't making comments about your spouse, but about the way you talked
about her.

> Let's see if I can **** off some of the contemporary mindsets though.
> We've been married 49 1/2 years. In that time my wife has held a job
> for a total of maybe 1 1/2 years. Notice, I said "held a job" since as
> a stay-at-home mom works pretty hard too. Our kids were not perfect but
> having a parent there when they came home from school was a good thing.
> Too many kids are in a warehouse after school.
>
> She used to have a car. She is a good driver, accident free, but does
> not like to drive. I take here wherever she has to go even if it means
> leaving work to do it. I still get paid so no loss. Gave her car away
> about 3 years ago.
>
> She has her own credit card in her name. Never looks at the bill, just
> hands it to me. It has never been over $300. Rarely has more than $30
> in cash on her. If we go out together, I take care of any money needed.
> She has no restrictions on buying anything. She likes to sew and
> embroider so she picked out a new machine. Got it at a huge discount
> for $4500.
>
> She has an income from SS but never sees it. Goes into the joint
> checking account.
>
> She has the ability and financial status to up and leave if she ever
> wanted to, but we like the way things are. She wants for nothing and
> gets pampered a lot. May not be contemporary, but it works for us.
> Some people I know are actually jealous as they go about their
> contemporary lifestyle.

Who am I to comment? That's between you two. I was only
reacting to your tone. You really sounded as if you were talking about
an intelligent pet. (Mind you, I'm not calling your wife that.)

--
Bruce

"Roy" > wrote in message
...
> On Thursday, January 7, 2016 at 2:13:53 AM UTC-7, Ophelia wrote:
>> "Brooklyn1" > wrote in message
>> ...
>>
>> > You sure make it sound like Himself's only value is to be your sugar
>> > daddy... I think that's sad. So what you're saying is you're a user
>> > and Himself is a total loser... now nice. Please attempt to redeem
>> > yourself. And yoose don't even have any children together, other than
>> > a marga dog. You must have the finast pussy on this planet (which I
>> > don't believe) or Himself is an ignorant brain damaged Schmuck (which
>> > I do believe).
>>
>> I copy this especially for you, and I expect an apology!
>>
>> We are retired now and enjoy each others' company. In the past his work
>> > often took him away from home and eventually I retired a bit early to
>> > travel with him. Now we are both retired we appreciate the time we
>> > have together and we make the most of it Oh and just so you know,
>> > our
>> > money (pensions, savings et al) we have combined. We have no 'his and
>> > hers' money! We have 'our' money!!!
>>
>>
>> --
>> http://www.helpforheroes.org.uk/shop/
>
> Ha!!! You expect an apology from Brooky Baby? Doubtful that will happen.
> He luvs to offend...no doubt with glee. He probably has a few redeeming
> qualities but you really have to search for them.

========

Does anyone care enough to search? He just needs to be answered in kind,
acts decent gets a decent response and so on.

Cheri

In article >, lid says...
>
> On 8/1/2016 04:47 Gary wrote:
>
> > Ophelia wrote:
> >>
> >> "Gary" > wrote in message ...
> >> > Ophelia wrote:
> >> >>
> >> >> +1 sf simply doesn't understand how our debit cards work.
> >> >
> >> > That's evidently true. She seems to think that you pay a transaction
> >> > fee every time you use a debit card. It's not true at all.
> >>
> >> Ahh ok. I was beginning to believe yours worked differently which is why I
> >> said she doesn't understand how OUR debit cards work!
> >>
> >> So, yours work the same as ours then so that mystery is solved)
> >
> > Yep. sf is just a clueless dumbass ASSuming things. Evidently her
> > beloved hubby is handling all the end of month bills.
>
> I don't think there's a fee for using credit cards either here. Except
> at Aldi and for Amex cards. So I wonder where that idea comes from.

I occasionally encounter a business that makes a charge on payments
by CC; but they must tell customers in advance so I just pay some other
way and avoid the charge.

Janet UK.

On 07/01/2016 1:39 PM, wrote:
> On Thu, 7 Jan 2016 13:19:34 -0700, graham > wrote:
>
>> On 07/01/2016 11:44 AM, Ed Pawlowski wrote:
>>> On 1/7/2016 12:09 PM, Gary wrote:
>>>> Ophelia wrote:
>>>>>
>>>>> +1 sf simply doesn't understand how our debit cards work.
>>>>
>>>> That's evidently true. She seems to think that you pay a transaction
>>>> fee every time you use a debit card. It's not true at all.
>>>>
>>>
>>> Correct, the merchant pays a fee. You just pay higher prices for
>>> everything as the merchant has it build into the selling price.
>>
>> During a visit to the US some years ago I was astonished to find gas
>> stations offering a discount for cash but full price for credit cards.
>> That practice is not allowed in Alberta. If a merchant tries that, the
>> companies come down on him like a ton of bricks, The same used to apply
>> when merchants tried to apply minimum purchase amounts. I've seen people
>> using plastic to pay for a $2 coffee, which is ridiculous, even allowing
>> for the high profit margin on that drink.
>> Graham
>
> The other one was full price for full service instead of pumping your
> own.
>
No! They were self-serve stations. They gave a discount for cash.

wrote:
> If David were here and wanted

Woman, puleeze...

Get it though your head...he's NOT!

> wrote in message
...
> On Thu, 7 Jan 2016 15:22:46 -0000, Janet > wrote:
>
>>In article >,
>>says...
>>>
>>> > wrote in message
>>> ...
>>> > On Wed, 6 Jan 2016 20:32:11 -0000, "Ophelia" >
>>> > wrote:
>>> >
>>> >>
>>> >>
>>> > wrote in message
>>> . ..
>>> >>> On Wed, 6 Jan 2016 19:04:03 -0000, "Ophelia" >
>>> >>> wrote:
>>> >>>
>>> >>>>
>>> >>>>
>>> > wrote in message
>>> >>>>news >>> >>>>> On Wed, 6 Jan 2016 11:22:31 -0500, jmcquown
>>> >>>>> >
>>> >>>>> wrote:
>>> >>>>>
>>> >>>>>>On 1/6/2016 8:34 AM, Janet wrote:
>>> >>>>>>>> All my money is happy money! I can't remember the last time I
>>> >>>>>>>> went
>>> >>>>>>>> out
>>> >>>>>>>> >without Himself and he carries money.
>>> >>>>>>>
>>> >>>>>>> OMG
>>> >>>>>>>
>>> >>>>>>> Janet UK
>>> >>>>>>
>>> >>>>>>I sure hope "Himself" doesn't die before she does. Whatever would
>>> >>>>>>she
>>> >>>>>>do?!
>>> >>>>>>
>>> >>>>>>Jill
>>> >>>>>
>>> >>>>> Huh? I don't get what you mean, what difference would it make,
>>> >>>>> imagine they have a joint account as did we.
>>> >>>>
>>> >>>>??? Everything we have is joint! All our pensions, savings et al!
>>> >>>>
>>> >>>>I wonder if she has a joint account with her 'SO' ... and what
>>> >>>>difference
>>> >>>>it
>>> >>>>would make if 'SO' dies before she does.
>>> >>>>
>>> >>>>If not, whatever would she do?!
>>> >>>>
>>> >>>>And No, I don't care!
>>> >>>
>>> >>> Well if she had, she wouldn't have wondered how you would manage.
>>> >>> When
>>> >>> David died nothing changed for me other than that I no longer had
>>> >>> him
>>> >>> No worries as to money etc. Three little words 'All to wife' -
>>> >>
>>> >>Of course! Or partner and children?
>>
>>
>>> > I suppose partner would open the will to contest by blood relatives
>>> > and while child might work, children might produce difficulties.
>>> >
>>> > According to lawyers, all to wife is the strongest will that can be
>>> > made and really cannot be fought unless you want to pay lawyers and
>>> > lose
>>>
>>> Of course!
>>
>> That simply isnt true in Scotland.
>>
>> Janet UK
>
> So in Scotland they can automatically overrule a persons will without
> legal challenge ?

There is a law here 'The Bairn's share' and the children cannot be
disinherited. They are entitled (between them) to one third of the moveable
assets.



--
http://www.helpforheroes.org.uk/shop/

Bruce wrote:
> I was only
> reacting to your tone. You really sounded as if you were

Gawd this is an old woman's sandbox...

Ophelia wrote:
>
>
> > wrote in message
> ...
>> On Thu, 7 Jan 2016 15:22:46 -0000, Janet > wrote:
>>
>>> In article >,
>>> says...
>>>>
>>>> > wrote in message
>>>> ...
>>>> > On Wed, 6 Jan 2016 20:32:11 -0000, "Ophelia" >
>>>> > wrote:
>>>> >
>>>> >>
>>>> >>
>>>> > wrote in message
>>>> . ..
>>>> >>> On Wed, 6 Jan 2016 19:04:03 -0000, "Ophelia"
>>>> >
>>>> >>> wrote:
>>>> >>>
>>>> >>>>
>>>> >>>>
>>>> > wrote in message
>>>> >>>>news >>>> >>>>> On Wed, 6 Jan 2016 11:22:31 -0500, jmcquown >>>>>
>>>> >
>>>> >>>>> wrote:
>>>> >>>>>
>>>> >>>>>>On 1/6/2016 8:34 AM, Janet wrote:
>>>> >>>>>>>> All my money is happy money! I can't remember the last
>>>> time I >>>>>>>> went
>>>> >>>>>>>> out
>>>> >>>>>>>> >without Himself and he carries money.
>>>> >>>>>>>
>>>> >>>>>>> OMG
>>>> >>>>>>>
>>>> >>>>>>> Janet UK
>>>> >>>>>>
>>>> >>>>>>I sure hope "Himself" doesn't die before she does. Whatever
>>>> would >>>>>>she
>>>> >>>>>>do?!
>>>> >>>>>>
>>>> >>>>>>Jill
>>>> >>>>>
>>>> >>>>> Huh? I don't get what you mean, what difference would it make,
>>>> >>>>> imagine they have a joint account as did we.
>>>> >>>>
>>>> >>>>??? Everything we have is joint! All our pensions, savings et al!
>>>> >>>>
>>>> >>>>I wonder if she has a joint account with her 'SO' ... and what
>>>> >>>>difference
>>>> >>>>it
>>>> >>>>would make if 'SO' dies before she does.
>>>> >>>>
>>>> >>>>If not, whatever would she do?!
>>>> >>>>
>>>> >>>>And No, I don't care!
>>>> >>>
>>>> >>> Well if she had, she wouldn't have wondered how you would
>>>> manage. >>> When
>>>> >>> David died nothing changed for me other than that I no longer
>>>> had >>> him
>>>> >>> No worries as to money etc. Three little words 'All to
>>>> wife' -
>>>> >>
>>>> >>Of course! Or partner and children?
>>>
>>>
>>>> > I suppose partner would open the will to contest by blood relatives
>>>> > and while child might work, children might produce difficulties.
>>>> >
>>>> > According to lawyers, all to wife is the strongest will that can be
>>>> > made and really cannot be fought unless you want to pay lawyers and
>>>> > lose
>>>>
>>>> Of course!
>>>
>>> That simply isnt true in Scotland.
>>>
>>> Janet UK
>>
>> So in Scotland they can automatically overrule a persons will without
>> legal challenge ?
>
> There is a law here 'The Bairn's share' and the children cannot be
> disinherited. They are entitled (between them) to one third of the
> moveable assets.
>
>
>
That's messed up.

What of they're scum?

On Thursday, January 7, 2016 at 7:40:01 AM UTC-10, Ophelia wrote:
> "dsi1" <> wrote in message
> ...
>
> >> >> How long have you been saying you are going to dig out your slow
> >> >> cooker??
> >> >> Hmmmm????? Will it actually happen this time??
> >> >>
> >> >
> >> > Things are coming to a head these days - I'll probably be breaking that
> >> > out soon... real soon...
> >>
> >> *Folds arms, taps foot ... and waits ...*
> >>
> >
> > All thing will come to pass - or at the very least, pass.
> >
>
> Maybe ...
>
>
> --
> http://www.helpforheroes.org.uk/shop/

This morning I went downstairs and checked out the crockpot. I was surprised to see it bubbling on medium so I turned off the heat. The taro was mostly in liquid and I tried one - it was everything I could have expected and more. I'm hankering for some right now. The taro might need to be cooked more because my throat feels irritated. Of course, this could be totally my imagination. Hopefully, I'll be making some wonderful foods in this slow cooker. For a while anyway - after that I'll probably get sick of slow cooking. Next, I'll probably make BBQ beans - yummy!

On Thursday, January 7, 2016 at 7:40:59 AM UTC-10, cibola do oro wrote:
> Ophelia wrote:
> >
> >
> > "dsi1" <> wrote in message
> > ...
> >
> >>> >> How long have you been saying you are going to dig out your slow
> >>> >> cooker??
> >>> >> Hmmmm????? Will it actually happen this time??
> >>> >>
> >>> >
> >>> > Things are coming to a head these days - I'll probably be breaking
> >>> that
> >>> > out soon... real soon...
> >>>
> >>> *Folds arms, taps foot ... and waits ...*
> >>>
> >>
> >> All thing will come to pass - or at the very least, pass.
> >>
> >
> > Maybe ...
> >
> >
> Kidney stones?

I'm glad you said this. Taro may cause this problem and also gout because it's chock full of calcium oxalate shards. It might be OK if prepared properly but I'm not totally hip to what the guidelines for that is.

"dsi1" > wrote in message
...

>
> This morning I went downstairs and checked out the crockpot. I was
> surprised to see it bubbling on medium so I turned off the heat. The taro
> was mostly in liquid and I tried one - it was everything I could have
> expected and more. I'm hankering for some right now. The taro might need
> to be cooked more because my throat feels irritated. Of course, this could
> be totally my imagination. Hopefully, I'll be making some wonderful foods
> in this slow cooker. For a while anyway - after that I'll probably get
> sick of slow cooking. Next, I'll probably make BBQ beans - yummy!

Wow! When did you dig it out and start cooking in it???



--
http://www.helpforheroes.org.uk/shop/

dsi1 wrote:
> On Thursday, January 7, 2016 at 7:40:59 AM UTC-10, cibola do oro wrote:
>> Ophelia wrote:
>>>
>>>
>>> "dsi1" <> wrote in message
>>> ...
>>>
>>>>>>> How long have you been saying you are going to dig out your slow
>>>>>>> cooker??
>>>>>>> Hmmmm????? Will it actually happen this time??
>>>>>>>
>>>>>>
>>>>>> Things are coming to a head these days - I'll probably be breaking
>>>>> that
>>>>>> out soon... real soon...
>>>>>
>>>>> *Folds arms, taps foot ... and waits ...*
>>>>>
>>>>
>>>> All thing will come to pass - or at the very least, pass.
>>>>
>>>
>>> Maybe ...
>>>
>>>
>> Kidney stones?
>
> I'm glad you said this. Taro may cause this problem and also gout because it's chock full of calcium oxalate shards. It might be OK if prepared properly but I'm not totally hip to what the guidelines for that is.
>
That could be a nasty surprise.

Have lots of water and some NSAIDS around.

On Thursday, January 7, 2016 at 11:49:42 AM UTC-10, Ophelia wrote:
> "dsi1" <> wrote in message
> ...
>
> >
> > This morning I went downstairs and checked out the crockpot. I was
> > surprised to see it bubbling on medium so I turned off the heat. The taro
> > was mostly in liquid and I tried one - it was everything I could have
> > expected and more. I'm hankering for some right now. The taro might need
> > to be cooked more because my throat feels irritated. Of course, this could
> > be totally my imagination. Hopefully, I'll be making some wonderful foods
> > in this slow cooker. For a while anyway - after that I'll probably get
> > sick of slow cooking. Next, I'll probably make BBQ beans - yummy!
>
> Wow! When did you dig it out and start cooking in it???
>

I heard the call of laulau and I just had to respond. I should have done this a year ago. Hee hee.

Life is uncertain but one thing I do know is that there's a laulau with my name on it at home. Life is good.

>
>
> --
> http://www.helpforheroes.org.uk/shop/

On Thursday, January 7, 2016 at 11:58:25 AM UTC-10, cibola do oro wrote:
> dsi1 wrote:
> > On Thursday, January 7, 2016 at 7:40:59 AM UTC-10, cibola do oro wrote:
> >> Ophelia wrote:
> >>>
> >>>
> >>> "dsi1" <> wrote in message
> >>> ...
> >>>
> >>>>>>> How long have you been saying you are going to dig out your slow
> >>>>>>> cooker??
> >>>>>>> Hmmmm????? Will it actually happen this time??
> >>>>>>>
> >>>>>>
> >>>>>> Things are coming to a head these days - I'll probably be breaking
> >>>>> that
> >>>>>> out soon... real soon...
> >>>>>
> >>>>> *Folds arms, taps foot ... and waits ...*
> >>>>>
> >>>>
> >>>> All thing will come to pass - or at the very least, pass.
> >>>>
> >>>
> >>> Maybe ...
> >>>
> >>>
> >> Kidney stones?
> >
> > I'm glad you said this. Taro may cause this problem and also gout because it's chock full of calcium oxalate shards. It might be OK if prepared properly but I'm not totally hip to what the guidelines for that is.
> >
> That could be a nasty surprise.
>
> Have lots of water and some NSAIDS around.

My understanding is that it's somewhat painful. I'm a guy with a high tolerance for pain so that would be an interesting experience for sure. Hee hee.

On 2016-01-07 12:09 PM, Gary wrote:
> Ophelia wrote:
>>
>> +1 sf simply doesn't understand how our debit cards work.
>
> That's evidently true. She seems to think that you pay a transaction
> fee every time you use a debit card. It's not true at all.
>

There is a charge to the business. It is appropriately called a swipe
fee. Every time a customer makes a payment with a debit card the vendor
pays a fee of 30-40 cents. Someone selling a cup of coffee and having
to pay that fee when a customer uses a card is going to take a hit on
their profit margin.

On 2016-01-07 1:44 PM, Ed Pawlowski wrote:
> On 1/7/2016 12:09 PM, Gary wrote:

> Correct, the merchant pays a fee. You just pay higher prices for
> everything as the merchant has it build into the selling price.


The flip side of that is that in many cases the vendor makes a sale they
might not have had the customer not had magic money in the form of a
debit card. If we forget to get something out of the freezer or forget
to stop at a store for something in the middle of the week we can got
out for dinner without having budgeted for it in the weekly cash.

On Thu, 7 Jan 2016 15:44:04 -0500, Ed Pawlowski > wrote:

>On 1/6/2016 11:36 PM, Bruce wrote:
>
>> I admit it was a bit harsh, but you do sound like you're from an era
>> long gone by when you talk about men and women. That too can be
>> offensive. At least to people with a more contemporary mindset.
>>
>
>If you want to take a shot at me, fair game. To make comments about
>someone's spouse is rather low, IMO.
>
>Let's see if I can **** off some of the contemporary mindsets though.
>We've been married 49 1/2 years. In that time my wife has held a job
>for a total of maybe 1 1/2 years. Notice, I said "held a job" since as
>a stay-at-home mom works pretty hard too. Our kids were not perfect but
>having a parent there when they came home from school was a good thing.
> Too many kids are in a warehouse after school.
>
>She used to have a car. She is a good driver, accident free, but does
>not like to drive. I take here wherever she has to go even if it means
>leaving work to do it. I still get paid so no loss. Gave her car away
>about 3 years ago.
>
>She has her own credit card in her name. Never looks at the bill, just
>hands it to me. It has never been over $300. Rarely has more than $30
>in cash on her. If we go out together, I take care of any money needed.
> She has no restrictions on buying anything. She likes to sew and
>embroider so she picked out a new machine. Got it at a huge discount
>for $4500.
>
>She has an income from SS but never sees it. Goes into the joint
>checking account.
>
>She has the ability and financial status to up and leave if she ever
>wanted to, but we like the way things are. She wants for nothing and
>gets pampered a lot. May not be contemporary, but it works for us.
>Some people I know are actually jealous as they go about their
>contemporary lifestyle.

I don't understand why Bruce is so set against it. To me, so long as
the two people involved like their arrangement, that's fine. If your
wife was angry because you handle it all, that would be different, and
I would support her.

The only caveat I would add, is I do hope she knows what there is and
where she stands if you go off the mortal coil first.

On 8/1/2016 09:47 wrote:

> On Thu, 7 Jan 2016 15:44:04 -0500, Ed Pawlowski > wrote:
>
>>On 1/6/2016 11:36 PM, Bruce wrote:
>>
>>> I admit it was a bit harsh, but you do sound like you're from an era
>>> long gone by when you talk about men and women. That too can be
>>> offensive. At least to people with a more contemporary mindset.
>>>
>>
>>If you want to take a shot at me, fair game. To make comments about
>>someone's spouse is rather low, IMO.
>>
>>Let's see if I can **** off some of the contemporary mindsets though.
>>We've been married 49 1/2 years. In that time my wife has held a job
>>for a total of maybe 1 1/2 years. Notice, I said "held a job" since as
>>a stay-at-home mom works pretty hard too. Our kids were not perfect but
>>having a parent there when they came home from school was a good thing.
>> Too many kids are in a warehouse after school.
>>
>>She used to have a car. She is a good driver, accident free, but does
>>not like to drive. I take here wherever she has to go even if it means
>>leaving work to do it. I still get paid so no loss. Gave her car away
>>about 3 years ago.
>>
>>She has her own credit card in her name. Never looks at the bill, just
>>hands it to me. It has never been over $300. Rarely has more than $30
>>in cash on her. If we go out together, I take care of any money needed.
>> She has no restrictions on buying anything. She likes to sew and
>>embroider so she picked out a new machine. Got it at a huge discount
>>for $4500.
>>
>>She has an income from SS but never sees it. Goes into the joint
>>checking account.
>>
>>She has the ability and financial status to up and leave if she ever
>>wanted to, but we like the way things are. She wants for nothing and
>>gets pampered a lot. May not be contemporary, but it works for us.
>>Some people I know are actually jealous as they go about their
>>contemporary lifestyle.
>
> I don't understand why Bruce is so set against it. To me, so long as
> the two people involved like their arrangement, that's fine. If your
> wife was angry because you handle it all, that would be different, and
> I would support her.

It was very patronising.

--
Bruce

On Thu, 7 Jan 2016 14:05:24 -0700, graham > wrote:

>On 07/01/2016 1:39 PM, wrote:
>> On Thu, 7 Jan 2016 13:19:34 -0700, graham > wrote:
>>
>>> On 07/01/2016 11:44 AM, Ed Pawlowski wrote:
>>>> On 1/7/2016 12:09 PM, Gary wrote:
>>>>> Ophelia wrote:
>>>>>>
>>>>>> +1 sf simply doesn't understand how our debit cards work.
>>>>>
>>>>> That's evidently true. She seems to think that you pay a transaction
>>>>> fee every time you use a debit card. It's not true at all.
>>>>>
>>>>
>>>> Correct, the merchant pays a fee. You just pay higher prices for
>>>> everything as the merchant has it build into the selling price.
>>>
>>> During a visit to the US some years ago I was astonished to find gas
>>> stations offering a discount for cash but full price for credit cards.
>>> That practice is not allowed in Alberta. If a merchant tries that, the
>>> companies come down on him like a ton of bricks, The same used to apply
>>> when merchants tried to apply minimum purchase amounts. I've seen people
>>> using plastic to pay for a $2 coffee, which is ridiculous, even allowing
>>> for the high profit margin on that drink.
>>> Graham
>>
>> The other one was full price for full service instead of pumping your
>> own.
>>
>No! They were self-serve stations. They gave a discount for cash.

I mean there were other stations where if you chose full serve it cost
more than if you pumped your own.

On Thu, 7 Jan 2016 22:49:14 -0000 (UTC), Bruce >
wrote:

>On 8/1/2016 09:47 wrote:
>
>> On Thu, 7 Jan 2016 15:44:04 -0500, Ed Pawlowski > wrote:
>>
>>>On 1/6/2016 11:36 PM, Bruce wrote:
>>>
>>>> I admit it was a bit harsh, but you do sound like you're from an era
>>>> long gone by when you talk about men and women. That too can be
>>>> offensive. At least to people with a more contemporary mindset.
>>>>
>>>
>>>If you want to take a shot at me, fair game. To make comments about
>>>someone's spouse is rather low, IMO.
>>>
>>>Let's see if I can **** off some of the contemporary mindsets though.
>>>We've been married 49 1/2 years. In that time my wife has held a job
>>>for a total of maybe 1 1/2 years. Notice, I said "held a job" since as
>>>a stay-at-home mom works pretty hard too. Our kids were not perfect but
>>>having a parent there when they came home from school was a good thing.
>>> Too many kids are in a warehouse after school.
>>>
>>>She used to have a car. She is a good driver, accident free, but does
>>>not like to drive. I take here wherever she has to go even if it means
>>>leaving work to do it. I still get paid so no loss. Gave her car away
>>>about 3 years ago.
>>>
>>>She has her own credit card in her name. Never looks at the bill, just
>>>hands it to me. It has never been over $300. Rarely has more than $30
>>>in cash on her. If we go out together, I take care of any money needed.
>>> She has no restrictions on buying anything. She likes to sew and
>>>embroider so she picked out a new machine. Got it at a huge discount
>>>for $4500.
>>>
>>>She has an income from SS but never sees it. Goes into the joint
>>>checking account.
>>>
>>>She has the ability and financial status to up and leave if she ever
>>>wanted to, but we like the way things are. She wants for nothing and
>>>gets pampered a lot. May not be contemporary, but it works for us.
>>>Some people I know are actually jealous as they go about their
>>>contemporary lifestyle.
>>
>> I don't understand why Bruce is so set against it. To me, so long as
>> the two people involved like their arrangement, that's fine. If your
>> wife was angry because you handle it all, that would be different, and
>> I would support her.
>
>It was very patronising.

In your opinion -

On 8/1/2016 09:55 wrote:

> On Thu, 7 Jan 2016 22:49:14 -0000 (UTC), Bruce >
> wrote:
>
>>On 8/1/2016 09:47 wrote:
>>
>>> I don't understand why Bruce is so set against it. To me, so long as
>>> the two people involved like their arrangement, that's fine. If your
>>> wife was angry because you handle it all, that would be different, and
>>> I would support her.
>>
>>It was very patronising.
>
> In your opinion -

Yes.

--
Bruce

On Thu, 7 Jan 2016 03:45:31 -0800 (PST), Cindy Hamilton
> wrote:

> On Wednesday, January 6, 2016 at 6:01:03 PM UTC-5, sf wrote:
> > On Wed, 6 Jan 2016 03:49:23 -0800 (PST), Cindy Hamilton
> > > wrote:
> >
> > > On Wednesday, January 6, 2016 at 3:58:14 AM UTC-5, sf wrote:
> > > > On Tue, 5 Jan 2016 21:59:56 -0500, Ed Pawlowski > wrote:
> > > >
> > > > > The RFID chips are being phased out for security reasons. The new chip
> > > > > cards have to be inserted if the equipment is available, swiped in the
> > > > > meantime.
> > > >
> > > > I still don't understand how the new chipped cards are any safer than
> > > > the old style swipe.
> > >
> > > The transaction is encrypted with a single-use key, and decrypted
> > > on the other end. The old-style magnetic strips could be copied
> > > easily, and there was a whole cottage industry in vandalizing
> > > ATMs and standalone credit-card readers (like gas station pumps)
> > > and installing duplicators. The hapless citizen swipes his card,
> > > the information is read from the magnetic stripe, and the felon
> > > has a copy of the credit card, to use as he pleases.
> > >
> > > The new system is much more complex; it'll probably take some
> > > time before it's cracked and new fraud arises.
> > >
> >
> > The part I don't get is if it's physically stolen, it can be used just
> > as easily as the swipe card until it's reported - which is when both
> > types are cut off.
>
> The old cards don't have to be physically stolen. The card duplicators
> make a copy of the card; the felons can buy quite a bit of stuff with
> it before the card owner notices.
>

I'm not talking about the old cards, I'm talking about the new ones.
There's no failsafe, they're used just like the old ones are.


--

sf

On Thu, 7 Jan 2016 09:31:43 -0000 (UTC), Bruce >
wrote:

> On 7/1/2016 20:10 sf wrote:
>
> > On Thu, 7 Jan 2016 07:24:30 -0000 (UTC), Bruce >
> > wrote:
> >
> >> On 7/1/2016 17:21 sf wrote:
> >>
> >> > On Thu, 7 Jan 2016 00:05:28 -0000 (UTC), Bruce >
> >> > wrote:
> >> >
> >> >> On 7/1/2016 10:50 sf wrote:
> >> >>
> >> >> > On Wed, 6 Jan 2016 23:34:04 -0000 (UTC), Bruce >
> >> >> > wrote:
> >> >> >
> >> >> >> On 7/1/2016 10:06 sf wrote:
> >> >> >>
> >> >> >> > On Wed, 6 Jan 2016 17:04:36 -0500, Dave Smith
> >> >> >> > > wrote:
> >> >> >> >
> >> >> >> >> If the cost of using the debit card service is 20 cents
> >> >> >> >
> >> >> >> > I NEVER use a debit card.
> >> >> >>
> >> >> >> I NEVER use a credit card.
> >> >> >
> >> >> > You're all cash? That's crazy. Use the bank's money for 30 days and
> >> >> > pay it off.
> >> >>
> >> >> All debit card. I also pay invoices the day I receive them, rather than
> >> >> wait until the due date.
> >> >
> >> > Debit card? <shudder>
> >>
> >> What's wrong with that? I like to pay on the spot.
> >
> > You enjoy paying the bank for every transaction? Pay with cash if
> > you're all about paying on the spot.
>
> But I pay the same amount, whether I pay cash or by debit card.

You do it without an added fee per transaction? I doubt it.

--

sf

On Thu, 7 Jan 2016 13:15:48 -0000, "Ophelia" >
wrote:

>
>
> > wrote in message
> news
> > On Thu, 07 Jan 2016 01:10:47 -0800, sf > wrote:
> >
> >>On Thu, 7 Jan 2016 07:24:30 -0000 (UTC), Bruce >
> >>wrote:
> >>
> >>> On 7/1/2016 17:21 sf wrote:
> >>>
> >>> > On Thu, 7 Jan 2016 00:05:28 -0000 (UTC), Bruce >
> >>> > wrote:
> >>> >
> >>> >> On 7/1/2016 10:50 sf wrote:
> >>> >>
> >>> >> > On Wed, 6 Jan 2016 23:34:04 -0000 (UTC), Bruce
> >>> >> > >
> >>> >> > wrote:
> >>> >> >
> >>> >> >> On 7/1/2016 10:06 sf wrote:
> >>> >> >>
> >>> >> >> > On Wed, 6 Jan 2016 17:04:36 -0500, Dave Smith
> >>> >> >> > > wrote:
> >>> >> >> >
> >>> >> >> >> If the cost of using the debit card service is 20 cents
> >>> >> >> >
> >>> >> >> > I NEVER use a debit card.
> >>> >> >>
> >>> >> >> I NEVER use a credit card.
> >>> >> >
> >>> >> > You're all cash? That's crazy. Use the bank's money for 30 days
> >>> >> > and
> >>> >> > pay it off.
> >>> >>
> >>> >> All debit card. I also pay invoices the day I receive them, rather
> >>> >> than
> >>> >> wait until the due date.
> >>> >
> >>> > Debit card? <shudder>
> >>>
> >>> What's wrong with that? I like to pay on the spot.
> >>
> >>You enjoy paying the bank for every transaction? Pay with cash if
> >>you're all about paying on the spot.
> >
> > I don't pay anything for using my debit card - I suppose I would if
> > the money was not in my account but that has never happened. I can't
> > imagine going to an ATM, getting cash and paying on the spot that way.
> > With a debit card it's as if my whole chequing account is right with
> > me.
>
> +1 sf simply doesn't understand how our debit cards work.

I know how they work.

--

sf

On Thu, 07 Jan 2016 16:03:08 -0800, sf > wrote:

>On Thu, 7 Jan 2016 09:31:43 -0000 (UTC), Bruce >
>wrote:
>
>> On 7/1/2016 20:10 sf wrote:
>>
>> > On Thu, 7 Jan 2016 07:24:30 -0000 (UTC), Bruce >
>> > wrote:
>> >
>> >> On 7/1/2016 17:21 sf wrote:
>> >>
>> >> > On Thu, 7 Jan 2016 00:05:28 -0000 (UTC), Bruce >
>> >> > wrote:
>> >> >
>> >> >> On 7/1/2016 10:50 sf wrote:
>> >> >>
>> >> >> > On Wed, 6 Jan 2016 23:34:04 -0000 (UTC), Bruce >
>> >> >> > wrote:
>> >> >> >
>> >> >> >> On 7/1/2016 10:06 sf wrote:
>> >> >> >>
>> >> >> >> > On Wed, 6 Jan 2016 17:04:36 -0500, Dave Smith
>> >> >> >> > > wrote:
>> >> >> >> >
>> >> >> >> >> If the cost of using the debit card service is 20 cents
>> >> >> >> >
>> >> >> >> > I NEVER use a debit card.
>> >> >> >>
>> >> >> >> I NEVER use a credit card.
>> >> >> >
>> >> >> > You're all cash? That's crazy. Use the bank's money for 30 days and
>> >> >> > pay it off.
>> >> >>
>> >> >> All debit card. I also pay invoices the day I receive them, rather than
>> >> >> wait until the due date.
>> >> >
>> >> > Debit card? <shudder>
>> >>
>> >> What's wrong with that? I like to pay on the spot.
>> >
>> > You enjoy paying the bank for every transaction? Pay with cash if
>> > you're all about paying on the spot.
>>
>> But I pay the same amount, whether I pay cash or by debit card.
>
>You do it without an added fee per transaction? I doubt it.

I don't, I KNOW I don't pay anything for the debit, just the
designated amount from my account!

On 8/1/2016 11:03 sf wrote:

> On Thu, 7 Jan 2016 09:31:43 -0000 (UTC), Bruce >
> wrote:
>
>> On 7/1/2016 20:10 sf wrote:
>>
>> > On Thu, 7 Jan 2016 07:24:30 -0000 (UTC), Bruce >
>> > wrote:
>> >
>> >> On 7/1/2016 17:21 sf wrote:
>> >>
>> >> > On Thu, 7 Jan 2016 00:05:28 -0000 (UTC), Bruce >
>> >> > wrote:
>> >> >
>> >> >> On 7/1/2016 10:50 sf wrote:
>> >> >>
>> >> >> > You're all cash? That's crazy. Use the bank's money for 30 days and
>> >> >> > pay it off.
>> >> >>
>> >> >> All debit card. I also pay invoices the day I receive them, rather than
>> >> >> wait until the due date.
>> >> >
>> >> > Debit card? <shudder>
>> >>
>> >> What's wrong with that? I like to pay on the spot.
>> >
>> > You enjoy paying the bank for every transaction? Pay with cash if
>> > you're all about paying on the spot.
>>
>> But I pay the same amount, whether I pay cash or by debit card.
>
> You do it without an added fee per transaction? I doubt it.

Yes. I've never heard of fees for debit card payments, except maybe for
small amounts, like under $10.

--
Bruce

On Thu, 07 Jan 2016 16:05:15 -0800, sf > wrote:

>On Thu, 7 Jan 2016 13:15:48 -0000, "Ophelia" >
>wrote:
>
>>
>>
>> > wrote in message
>> news
>> > On Thu, 07 Jan 2016 01:10:47 -0800, sf > wrote:
>> >
>> >>On Thu, 7 Jan 2016 07:24:30 -0000 (UTC), Bruce >
>> >>wrote:
>> >>
>> >>> On 7/1/2016 17:21 sf wrote:
>> >>>
>> >>> > On Thu, 7 Jan 2016 00:05:28 -0000 (UTC), Bruce >
>> >>> > wrote:
>> >>> >
>> >>> >> On 7/1/2016 10:50 sf wrote:
>> >>> >>
>> >>> >> > On Wed, 6 Jan 2016 23:34:04 -0000 (UTC), Bruce
>> >>> >> > >
>> >>> >> > wrote:
>> >>> >> >
>> >>> >> >> On 7/1/2016 10:06 sf wrote:
>> >>> >> >>
>> >>> >> >> > On Wed, 6 Jan 2016 17:04:36 -0500, Dave Smith
>> >>> >> >> > > wrote:
>> >>> >> >> >
>> >>> >> >> >> If the cost of using the debit card service is 20 cents
>> >>> >> >> >
>> >>> >> >> > I NEVER use a debit card.
>> >>> >> >>
>> >>> >> >> I NEVER use a credit card.
>> >>> >> >
>> >>> >> > You're all cash? That's crazy. Use the bank's money for 30 days
>> >>> >> > and
>> >>> >> > pay it off.
>> >>> >>
>> >>> >> All debit card. I also pay invoices the day I receive them, rather
>> >>> >> than
>> >>> >> wait until the due date.
>> >>> >
>> >>> > Debit card? <shudder>
>> >>>
>> >>> What's wrong with that? I like to pay on the spot.
>> >>
>> >>You enjoy paying the bank for every transaction? Pay with cash if
>> >>you're all about paying on the spot.
>> >
>> > I don't pay anything for using my debit card - I suppose I would if
>> > the money was not in my account but that has never happened. I can't
>> > imagine going to an ATM, getting cash and paying on the spot that way.
>> > With a debit card it's as if my whole chequing account is right with
>> > me.
>>
>> +1 sf simply doesn't understand how our debit cards work.
>
>I know how they work.

Well you keep burbling on about fees, there are no fees ! If you are
charged them maybe you should modernise and get another bank account!

On Fri, 8 Jan 2016 00:07:08 -0000 (UTC), Bruce >
wrote:

> On 8/1/2016 11:03 sf wrote:
>
> > On Thu, 7 Jan 2016 09:31:43 -0000 (UTC), Bruce >
> > wrote:
> >
> >> On 7/1/2016 20:10 sf wrote:
> >>
> >> > On Thu, 7 Jan 2016 07:24:30 -0000 (UTC), Bruce >
> >> > wrote:
> >> >
> >> >> On 7/1/2016 17:21 sf wrote:
> >> >>
> >> >> > On Thu, 7 Jan 2016 00:05:28 -0000 (UTC), Bruce >
> >> >> > wrote:
> >> >> >
> >> >> >> On 7/1/2016 10:50 sf wrote:
> >> >> >>
> >> >> >> > You're all cash? That's crazy. Use the bank's money for 30 days and
> >> >> >> > pay it off.
> >> >> >>
> >> >> >> All debit card. I also pay invoices the day I receive them, rather than
> >> >> >> wait until the due date.
> >> >> >
> >> >> > Debit card? <shudder>
> >> >>
> >> >> What's wrong with that? I like to pay on the spot.
> >> >
> >> > You enjoy paying the bank for every transaction? Pay with cash if
> >> > you're all about paying on the spot.
> >>
> >> But I pay the same amount, whether I pay cash or by debit card.
> >
> > You do it without an added fee per transaction? I doubt it.
>
> Yes. I've never heard of fees for debit card payments, except maybe for
> small amounts, like under $10.

OK, if you say so. I'll stick with paying at the end of the month and
one less card.

--

sf

In article >,
says...
>
> On Thu, 7 Jan 2016 09:31:43 -0000 (UTC), Bruce >
> wrote:
>
> > On 7/1/2016 20:10 sf wrote:
> >
> > > On Thu, 7 Jan 2016 07:24:30 -0000 (UTC), Bruce >
> > > wrote:
> > >
> > >> On 7/1/2016 17:21 sf wrote:
> > >>
> > >> > On Thu, 7 Jan 2016 00:05:28 -0000 (UTC), Bruce >
> > >> > wrote:
> > >> >
> > >> >> On 7/1/2016 10:50 sf wrote:
> > >> >>
> > >> >> > On Wed, 6 Jan 2016 23:34:04 -0000 (UTC), Bruce >
> > >> >> > wrote:
> > >> >> >
> > >> >> >> On 7/1/2016 10:06 sf wrote:
> > >> >> >>
> > >> >> >> > On Wed, 6 Jan 2016 17:04:36 -0500, Dave Smith
> > >> >> >> > > wrote:
> > >> >> >> >
> > >> >> >> >> If the cost of using the debit card service is 20 cents
> > >> >> >> >
> > >> >> >> > I NEVER use a debit card.
> > >> >> >>
> > >> >> >> I NEVER use a credit card.
> > >> >> >
> > >> >> > You're all cash? That's crazy. Use the bank's money for 30 days and
> > >> >> > pay it off.
> > >> >>
> > >> >> All debit card. I also pay invoices the day I receive them, rather than
> > >> >> wait until the due date.
> > >> >
> > >> > Debit card? <shudder>
> > >>
> > >> What's wrong with that? I like to pay on the spot.
> > >
> > > You enjoy paying the bank for every transaction? Pay with cash if
> > > you're all about paying on the spot.
> >
> > But I pay the same amount, whether I pay cash or by debit card.
>
> You do it without an added fee per transaction? I doubt it.

YES. So do I. That's what posters outside America have been telling
you.

Janet.

In article >,
says...
>
> On Thu, 7 Jan 2016 13:15:48 -0000, "Ophelia" >
> wrote:
>
> >
> >
> > > wrote in message
> > news
> > > On Thu, 07 Jan 2016 01:10:47 -0800, sf > wrote:
> > >
> > >>On Thu, 7 Jan 2016 07:24:30 -0000 (UTC), Bruce >
> > >>wrote:
> > >>
> > >>> On 7/1/2016 17:21 sf wrote:
> > >>>
> > >>> > On Thu, 7 Jan 2016 00:05:28 -0000 (UTC), Bruce >
> > >>> > wrote:
> > >>> >
> > >>> >> On 7/1/2016 10:50 sf wrote:
> > >>> >>
> > >>> >> > On Wed, 6 Jan 2016 23:34:04 -0000 (UTC), Bruce
> > >>> >> > >
> > >>> >> > wrote:
> > >>> >> >
> > >>> >> >> On 7/1/2016 10:06 sf wrote:
> > >>> >> >>
> > >>> >> >> > On Wed, 6 Jan 2016 17:04:36 -0500, Dave Smith
> > >>> >> >> > > wrote:
> > >>> >> >> >
> > >>> >> >> >> If the cost of using the debit card service is 20 cents
> > >>> >> >> >
> > >>> >> >> > I NEVER use a debit card.
> > >>> >> >>
> > >>> >> >> I NEVER use a credit card.
> > >>> >> >
> > >>> >> > You're all cash? That's crazy. Use the bank's money for 30 days
> > >>> >> > and
> > >>> >> > pay it off.
> > >>> >>
> > >>> >> All debit card. I also pay invoices the day I receive them, rather
> > >>> >> than
> > >>> >> wait until the due date.
> > >>> >
> > >>> > Debit card? <shudder>
> > >>>
> > >>> What's wrong with that? I like to pay on the spot.
> > >>
> > >>You enjoy paying the bank for every transaction? Pay with cash if
> > >>you're all about paying on the spot.
> > >
> > > I don't pay anything for using my debit card - I suppose I would if
> > > the money was not in my account but that has never happened. I can't
> > > imagine going to an ATM, getting cash and paying on the spot that way.
> > > With a debit card it's as if my whole chequing account is right with
> > > me.
> >
> > +1 sf simply doesn't understand how our debit cards work.
>
> I know how they work.

You obviously don't, see above.

Janet UK

On 1/7/2016 3:19 PM, graham wrote:

>> Correct, the merchant pays a fee. You just pay higher prices for
>> everything as the merchant has it build into the selling price.
>
> During a visit to the US some years ago I was astonished to find gas
> stations offering a discount for cash but full price for credit cards.
> That practice is not allowed in Alberta. If a merchant tries that, the
> companies come down on him like a ton of bricks, The same used to apply
> when merchants tried to apply minimum purchase amounts. I've seen people
> using plastic to pay for a $2 coffee, which is ridiculous, even allowing
> for the high profit margin on that drink.
> Graham

Somehow the oil lobbyist got the discount for cash approved. Can't do
that for other goods.

On 1/7/2016 5:35 PM, Dave Smith wrote:
> On 2016-01-07 1:44 PM, Ed Pawlowski wrote:
>> On 1/7/2016 12:09 PM, Gary wrote:
>
>> Correct, the merchant pays a fee. You just pay higher prices for
>> everything as the merchant has it build into the selling price.
>
>
> The flip side of that is that in many cases the vendor makes a sale they
> might not have had the customer not had magic money in the form of a
> debit card. If we forget to get something out of the freezer or forget
> to stop at a store for something in the middle of the week we can got
> out for dinner without having budgeted for it in the weekly cash.

That is true, especially for big ticket items. OTOH, many people no
longer carry cash and could not buy a burger with what is in their
pocket. With plastic you have access to thousands of dollars.

I also know a couple of people that carry neither as a method of budget
control. Hey, if it works, do it.

On 1/7/2016 2:40 PM, Bruce wrote:

>
> There are no charges that I can avoid by paying cash. For me, there is
> no financial difference between paying cash and paying with a debit
> card.
>

Most times, yes the price is the price. Banks made it that cash
discounts or CC surcharges are not allowed. Not to mention that the
cashier at your usual stores would never be authorized to give you a
deal. Biggest savings comes from the $50 and up buy from the owner of
the store. Ir won't be from the big car dealer, but may be from the
local auto repair shop.

In Italy, pay cash and you can save BIG