On 04/01/2016 7:52 PM, S Viemeister wrote:
> On 1/4/2016 9:39 PM, graham wrote:
>> On 04/01/2016 7:36 PM, Cheryl wrote:
>>> On 1/4/2016 9:21 PM, graham wrote:
>>>>>
>>>> Except that the "Tap" feature is vulnerable. There are devices
>>>> apparently that can be held near your back pocket, where most wallets
>>>> are, and use *your* tap feature to pay for things.
>>>> Graham
>>>
>>> That's where the aluminum shields whether it be aluminum foil or a
>>> specially designed wallet will protect you.
>>>
>> Yes! I have a number of those special envelopes.
>>
>
> I have a couple of wallets and handbags with built-in shielding.
>
I'll watch out for those! The little envelopes are a bit of a pain.

On 1/4/2016 9:39 PM, graham wrote:
> On 04/01/2016 7:36 PM, Cheryl wrote:
>> On 1/4/2016 9:21 PM, graham wrote:
>>>>
>>> Except that the "Tap" feature is vulnerable. There are devices
>>> apparently that can be held near your back pocket, where most wallets
>>> are, and use *your* tap feature to pay for things.
>>> Graham
>>
>> That's where the aluminum shields whether it be aluminum foil or a
>> specially designed wallet will protect you.
>>
> Yes! I have a number of those special envelopes.
> Graham

Only if you have the old RFID chips. The new chips are secure and you
don't have the "tap" feature.

On Mon, 4 Jan 2016 21:44:56 -0500, Ed Pawlowski > wrote:

> On 1/4/2016 1:38 PM, Janet wrote:
> > In article >,
> > says...
> >>
> >> On 2016-01-04 11:01 AM, Janet wrote:
> >>
> >>>> Sure it cost you. Fraud and theft costs all of us. The CC company took
> >>>> the hit, but it is reflected in the price we pay.
> >>>
> >>> ? I pay nothing for using debit and credit cards.
> >>
> >> You don't get a bill, but they get their money from transaction fees and
> >> interest. They take a little bit from all to make up for the losses.
> >
> > I don't pay any CC transaction fees or interest. Ever.
>
> Every time you use your card you pay. It is built into the price by the
> seller. We all pay it. The fact that you don't think you pay is how
> the banks are making money on us.

So what? There are no discounts. You're paying the same price even
if you pay cash.

--

sf

On Mon, 4 Jan 2016 21:41:46 -0500, Ed Pawlowski > wrote:

> On 1/4/2016 11:01 AM, Janet wrote:
>
> >>
> >> Sure it cost you. Fraud and theft costs all of us. The CC company took
> >> the hit, but it is reflected in the price we pay.
> >
> > ? I pay nothing for using debit and credit cards.
> >
> > Janet UK
> >
>
> Yes, you do. It is built into the price of what you buy. We all pay it
> and the banks get a piece of your card transaction. Makes little
> difference on small transaction, but when buying a major appliance many
> stores will give you a discount if you pay cash. I'm not sure what the
> merchant pays but 2% to 5% seems common from what I've been told.

The only reason to pay cash is so the smaller merchants don't have to
pay the CC company a fee for processing your charge and it means more
money in their pocket (which is a good thing if you support small
merchants). We pay the same price no matter what.

--

sf

"dsi1" > wrote in message
...
> On 1/4/2016 11:31 AM, Ophelia wrote:
>>
>>
>> "dsi1" > wrote in message
>> ...
>>
>>> What I'd rather do is they give me the total and I blink my eyeball
>>> twice and the amount get credited to their account in .005
>>> microseconds. That would be cool. In fact, I'd rather just fill my
>>> cart and walk out the door without interacting with any humans at all.
>>> This can be done with carts with built-in RFID scanners and NFC
>>> capabilities. Hopefully, we'll get that before I die.
>>
>> Hah they would probably rob you blind and you would never know it
>>
>
> What the heck, I plan on hacking the shopping cart. Hee hee.
>
> My daughter made some fried kale cakes last night. It was pretty good
> although eating green food is a little weird. She should have shaped it
> into bricks and called it "Soylant Green" that would be cool. She also
> made some banana lumpia. This morning, she made fried rice. She makes a
> better fried rice than her daddy. This is a good thing. Are my dreams of
> having my kids cooking for me coming to fruition? I sure hope so!

You seem to have taught them well so I think your chances of that are pretty
high I think she has better taste though than using 'Soylant Green'. It
seems you taught her too well, so you have only yourself to blame



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

On Monday, January 4, 2016 at 11:32:06 PM UTC-10, Ophelia wrote:
> "dsi1" > wrote in message
> ...
> > On 1/4/2016 11:31 AM, Ophelia wrote:
> >>
> >>
> >> "dsi1" > wrote in message
> >> ...
> >>
> >>> What I'd rather do is they give me the total and I blink my eyeball
> >>> twice and the amount get credited to their account in .005
> >>> microseconds. That would be cool. In fact, I'd rather just fill my
> >>> cart and walk out the door without interacting with any humans at all..
> >>> This can be done with carts with built-in RFID scanners and NFC
> >>> capabilities. Hopefully, we'll get that before I die.
> >>
> >> Hah they would probably rob you blind and you would never know it
> >>
> >
> > What the heck, I plan on hacking the shopping cart. Hee hee.
> >
> > My daughter made some fried kale cakes last night. It was pretty good
> > although eating green food is a little weird. She should have shaped it
> > into bricks and called it "Soylant Green" that would be cool. She also
> > made some banana lumpia. This morning, she made fried rice. She makes a
> > better fried rice than her daddy. This is a good thing. Are my dreams of
> > having my kids cooking for me coming to fruition? I sure hope so!
>
> You seem to have taught them well so I think your chances of that are pretty
> high I think she has better taste though than using 'Soylant Green'. It
> seems you taught her too well, so you have only yourself to blame
>
>
>
> --
> http://www.helpforheroes.org.uk/shop/

I haven't taught her much of anything of cooking. Her boyfriend is an energetic, creative, cook at a big restaurant nearby. He's only twenty-one and will probably run the kitchen in a couple of years - if he doesn't do something stupid first. I'm not so sure she's learning anything from him either.

We went to a Japanese/Korean grill your own restaurant today. My son ordered some kind of funny looking pale substance to grill. Normally I would have assumed it was chicken but was surprised to find out it was intestines. I tried some and it was like chewing on some rubber that oozed fat. I gave up after a while because my teeth was not able to break up that tissue. I am resolved to try some of those wacky things that my son will eat. Can pig uterus be next?

I kind of like it when the kids surprise me with the things they'll do. I really do want them to have lives of their own. So far so good.

"dsi1" > wrote in message
...

> We went to a Japanese/Korean grill your own restaurant today. My son
> ordered some kind of funny looking pale substance to grill. Normally I
> would have assumed it was chicken but was surprised to find out it was
> intestines. I tried some and it was like chewing on some rubber that oozed
> fat. I gave up after a while because my teeth was not able to break up
> that tissue. I am resolved to try some of those wacky things that my son
> will eat. Can pig uterus be next?


Were they chitterlings? Google it They used to be on sale a lot when
I was a child but I haven't seen them in many years. No, I have never tried
one)


> I kind of like it when the kids surprise me with the things they'll do. I
> really do want them to have lives of their own. So far so good.

Excellent!!! Enjoy when you can and be grateful that you can. Long may you
have that joy!

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

On 5/01/2016 7:00 AM, wrote:
> On Mon, 4 Jan 2016 10:46:02 -0500, S Viemeister
> > wrote:
>
>> On 1/4/2016 9:27 AM, Ophelia wrote:
>>> > wrote in message
>>
>>>> I once had problems in the UK getting cash with my debit card. I went
>>>> into the bank to query why and when all was sorted out it seemed (back
>>>> then) I had a four digit PIN and UK ones needed six. Just enough for
>>>> it not to process. She also told me that different accounts, such as
>>>> savings and chequing, should have different pins, which ours don't.
>>>>
>>>> That was the first year I didn't bother with travellers cheques but it
>>>> was simple to get cash on my Visa, so no harm done.
>>>
>>> My debit and credit cards have always had 4 digit pins.
>>>
>> Mine, too - on both sides of the Atlantic.
>
> Well it didn't let me have any cash, same thing at Barclays. It
> didn't matter and now everything is online most frequently I withdraw
> cash on Visa or MC then go online and pay direct because of not
> wanting to pay interest. I don't know if its the same there but if
> you draw cash on a credit card, interests starts right away, not the
> end of the month.
>
Same here in Aus. Interest charged immediately on cash advances.

My Mastercard CC has a 6 digit pin. My Visa Debit has a 4 digit pin.

--

Xeno

On 5/01/2016 8:13 AM, dsi1 wrote:
> On 1/3/2016 10:01 PM, sf wrote:
>> On Sun, 3 Jan 2016 16:43:58 -0800 (PST), dsi1 >
>> wrote:
>>
>>> On Sunday, January 3, 2016 at 2:01:06 PM UTC-10, Ed Pawlowski wrote:
>>>> On 1/3/2016 6:20 PM, Doris Night wrote:
>>>>
>>>>>
>>>>> *In Canada, we don't have to swipe a card and enter a PIN. We just
>>>>> have to touch a screen with the card. The whole thing takes about 1.5
>>>>> seconds.
>>>>>
>>>>> Doris
>>>>>
>>>>
>>>> Sorry to hear that. That type of card is being eliminated because
>>>> it is
>>>> possible to steal the information and clone them. New chip cards take
>>>> longer but are much more secure.
>>>
>>> As of October 1st, 2015, businesses in the US were supposed to
>>> replace their card readers with new ones that take the chipped cards
>>> or face bad things happening to them. I got my new reader but haven't
>>> connected it yet. It seems like a lot of bother to have to swipe and
>>> insert the cards and input a pin. I've been telling folks that I
>>> haven't gotten my new reader up a running so a check would be
>>> perfectly acceptable but I don't think I can keep that up for long.
>>
>> I don't need to insert a PIN when I use my chipped card.
>>
>
> I have a debit card so it just uses the PIN. It can be processed like a
> credit card but my assumption is that funds gets subtracted from my
> account right away. That's goofy as hell, if you ask me.

There is method in their madness. I have a similar debit card. If I use
it as a debit card, I pay a fee to my banking institution. If I use it
as a credit card, I pay no fee and all I need to do differently is
select credit instead of debit at the POS terminal. Naturally I select
credit for most instances. Some vendors charge a fee if using a CC,
usually a percentage of the transaction. In those cases I determine
which fee will be greater, CC or DC, and use the alternative.
No matter whether I select CC or DC, the money comes straight out of my
account. I have set up an overdraft facility on the debit card account,
in order to avoid penalty fees, and if there are insufficient funds, it
acts as a CC and I get hit with interest immediately. That has only
happened on rare occasions as I have a CC that I can use as an
alternative if I know my funds in the DC account are low.

--

Xeno

On 1/4/2016 9:11 PM, Ed Pawlowski wrote:
> On 1/4/2016 7:06 AM, S Viemeister wrote:
>> On 1/4/2016 4:35 AM, Ophelia wrote:
>>>
>>> We do have swipe but I prefer to insert my card and use my pin. ATM we
>>> do have a choice but not sure for how long.
>>>
>> I swiped a US credit card (which also has a chip) in Tesco, and the
>> machine wouldn't process it. No problem with the card or my account -
>> but Tesco machines seem to be a bit 'touchy', and won't process a swipe
>> if the card also contains a chip.
>>
>
> Seems that will be the norm if you have a chip. More secure that way.

I expected to have to insert my card at most places starting in
October but so far, only Trader Joe's and one other place, a tiny
nursery/local honey/gift store.

The rest of my usual places, I'd get a confused look from the cashier
if I asked if I was supposed to put my card in the slot or swipe it.
Oh, we're not ready for that yet. Why is the slot lit up if it's not
operational? got me, I don't bother asking them that.

All my cards have had chips for some time now.

nancy

Xeno wrote:
>
> > Well it didn't let me have any cash, same thing at Barclays. It
> > didn't matter and now everything is online most frequently I withdraw
> > cash on Visa or MC then go online and pay direct because of not
> > wanting to pay interest. I don't know if its the same there but if
> > you draw cash on a credit card, interests starts right away, not the
> > end of the month.
> >

For my one credit card, cash advances are a higher interest rate
and if you keep a balance, all your payments go to the lower
purchases first and not towards the cash advance.

On 1/4/2016 9:21 PM, graham wrote:
> On 04/01/2016 7:11 PM, Ed Pawlowski wrote:

>> Seems that will be the norm if you have a chip. More secure that way.
>>
> Except that the "Tap" feature is vulnerable. There are devices
> apparently that can be held near your back pocket, where most wallets
> are, and use *your* tap feature to pay for things.

I guess we're supposed to line our wallets with aluminum foil to
deter thieves who walk by and scan our cards. They can only use
it once, so I imagine they buy something pricey.

Annoyingly, even though my supermarket isn't using the chip
yet, they've started asking to see your card when you charge.

nancy

wrote:
> Actually I mostly shop very early like that and more often than not I
> use the self checkout counter which I find great. No delays.

The grocery store I shop at usually doesn't have one. oh well.

On 1/4/2016 9:44 PM, Ed Pawlowski wrote:
> On 1/4/2016 1:38 PM, Janet wrote:

>> I don't pay any CC transaction fees or interest. Ever.
>
> Every time you use your card you pay. It is built into the price by the
> seller. We all pay it. The fact that you don't think you pay is how
> the banks are making money on us.

They certainly aren't maintaining all those systems and related
infrastructure for free.

nancy

"Xeno" > wrote in message
...
> On 5/01/2016 8:13 AM, dsi1 wrote:
>> On 1/3/2016 10:01 PM, sf wrote:
>>> On Sun, 3 Jan 2016 16:43:58 -0800 (PST), dsi1 >
>>> wrote:
>>>
>>>> On Sunday, January 3, 2016 at 2:01:06 PM UTC-10, Ed Pawlowski wrote:
>>>>> On 1/3/2016 6:20 PM, Doris Night wrote:
>>>>>
>>>>>>
>>>>>> *In Canada, we don't have to swipe a card and enter a PIN. We just
>>>>>> have to touch a screen with the card. The whole thing takes about 1.5
>>>>>> seconds.
>>>>>>
>>>>>> Doris
>>>>>>
>>>>>
>>>>> Sorry to hear that. That type of card is being eliminated because
>>>>> it is
>>>>> possible to steal the information and clone them. New chip cards take
>>>>> longer but are much more secure.
>>>>
>>>> As of October 1st, 2015, businesses in the US were supposed to
>>>> replace their card readers with new ones that take the chipped cards
>>>> or face bad things happening to them. I got my new reader but haven't
>>>> connected it yet. It seems like a lot of bother to have to swipe and
>>>> insert the cards and input a pin. I've been telling folks that I
>>>> haven't gotten my new reader up a running so a check would be
>>>> perfectly acceptable but I don't think I can keep that up for long.
>>>
>>> I don't need to insert a PIN when I use my chipped card.
>>>
>>
>> I have a debit card so it just uses the PIN. It can be processed like a
>> credit card but my assumption is that funds gets subtracted from my
>> account right away. That's goofy as hell, if you ask me.
>
> There is method in their madness. I have a similar debit card. If I use it
> as a debit card, I pay a fee to my banking institution. If I use it as a
> credit card, I pay no fee and all I need to do differently is select
> credit instead of debit at the POS terminal. Naturally I select credit for
> most instances. Some vendors charge a fee if using a CC, usually a
> percentage of the transaction. In those cases I determine which fee will
> be greater, CC or DC, and use the alternative.
> No matter whether I select CC or DC, the money comes straight out of my
> account. I have set up an overdraft facility on the debit card account, in
> order to avoid penalty fees, and if there are insufficient funds, it acts
> as a CC and I get hit with interest immediately. That has only happened on
> rare occasions as I have a CC that I can use as an alternative if I know
> my funds in the DC account are low.

A few weeks ago when my husband was buying some things, I was looking
around and found the perfect birthday card for a friend. I took it to the
other counter and, having no cash on me, offered my debit card. He told me
that on sales below £5 he had to charge me an extra 50p!! I went to find
my husband and got cash from him! I rarely do carry cash and usually pay
with my card! I am certainly not paying that!




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

Ophelia wrote:
>
> A few weeks ago when my husband was buying some things, I was looking
> around and found the perfect birthday card for a friend. I took it to the
> other counter and, having no cash on me, offered my debit card. He told me
> that on sales below £5 he had to charge me an extra 50p!! I went to find
> my husband and got cash from him! I rarely do carry cash and usually pay
> with my card! I am certainly not paying that!

Don't blame you. I have a local store here that I frequent. They have
a similar policy. Any purchase under $5.00 is cash only, no cards.

On Mon, 4 Jan 2016 19:21:01 -0700, graham > wrote:

>On 04/01/2016 7:11 PM, Ed Pawlowski wrote:
>> On 1/4/2016 7:06 AM, S Viemeister wrote:
>>> On 1/4/2016 4:35 AM, Ophelia wrote:
>>>>
>>>> We do have swipe but I prefer to insert my card and use my pin. ATM we
>>>> do have a choice but not sure for how long.
>>>>
>>> I swiped a US credit card (which also has a chip) in Tesco, and the
>>> machine wouldn't process it. No problem with the card or my account -
>>> but Tesco machines seem to be a bit 'touchy', and won't process a swipe
>>> if the card also contains a chip.
>>>
>>
>> Seems that will be the norm if you have a chip. More secure that way.
>>
>Except that the "Tap" feature is vulnerable. There are devices
>apparently that can be held near your back pocket, where most wallets
>are, and use *your* tap feature to pay for things.
>Graham

I believe that was only in chip infancy, not so now.

On Mon, 4 Jan 2016 21:41:46 -0500, Ed Pawlowski > wrote:

>On 1/4/2016 11:01 AM, Janet wrote:
>
>>>
>>> Sure it cost you. Fraud and theft costs all of us. The CC company took
>>> the hit, but it is reflected in the price we pay.
>>
>> ? I pay nothing for using debit and credit cards.
>>
>> Janet UK
>>
>
>Yes, you do. It is built into the price of what you buy. We all pay it
>and the banks get a piece of your card transaction. Makes little
>difference on small transaction, but when buying a major appliance many
>stores will give you a discount if you pay cash. I'm not sure what the
>merchant pays but 2% to 5% seems common from what I've been told.

Debit cards are more reasonable here for small merchants as opposed to
the high flying credit cards.

On Tue, 05 Jan 2016 07:51:00 -0500, Gary > wrote:

wrote:
>> Actually I mostly shop very early like that and more often than not I
>> use the self checkout counter which I find great. No delays.
>
>The grocery store I shop at usually doesn't have one. oh well.

Nice thing about it is that I am standing there swiping my stuff and
one of the checkout people who has to be on hand in case self serve
people run into difficulties and I have grown chatty. So I swipe and
she stands and chats to me if she has nothing better to do. I like
it that she has become more than a 'face' to me when there.

On Tue, 5 Jan 2016 13:15:37 -0000, "Ophelia" >
wrote:

>
>
>"Xeno" > wrote in message
...
>> On 5/01/2016 8:13 AM, dsi1 wrote:
>>> On 1/3/2016 10:01 PM, sf wrote:
>>>> On Sun, 3 Jan 2016 16:43:58 -0800 (PST), dsi1 >
>>>> wrote:
>>>>
>>>>> On Sunday, January 3, 2016 at 2:01:06 PM UTC-10, Ed Pawlowski wrote:
>>>>>> On 1/3/2016 6:20 PM, Doris Night wrote:
>>>>>>
>>>>>>>
>>>>>>> *In Canada, we don't have to swipe a card and enter a PIN. We just
>>>>>>> have to touch a screen with the card. The whole thing takes about 1.5
>>>>>>> seconds.
>>>>>>>
>>>>>>> Doris
>>>>>>>
>>>>>>
>>>>>> Sorry to hear that. That type of card is being eliminated because
>>>>>> it is
>>>>>> possible to steal the information and clone them. New chip cards take
>>>>>> longer but are much more secure.
>>>>>
>>>>> As of October 1st, 2015, businesses in the US were supposed to
>>>>> replace their card readers with new ones that take the chipped cards
>>>>> or face bad things happening to them. I got my new reader but haven't
>>>>> connected it yet. It seems like a lot of bother to have to swipe and
>>>>> insert the cards and input a pin. I've been telling folks that I
>>>>> haven't gotten my new reader up a running so a check would be
>>>>> perfectly acceptable but I don't think I can keep that up for long.
>>>>
>>>> I don't need to insert a PIN when I use my chipped card.
>>>>
>>>
>>> I have a debit card so it just uses the PIN. It can be processed like a
>>> credit card but my assumption is that funds gets subtracted from my
>>> account right away. That's goofy as hell, if you ask me.
>>
>> There is method in their madness. I have a similar debit card. If I use it
>> as a debit card, I pay a fee to my banking institution. If I use it as a
>> credit card, I pay no fee and all I need to do differently is select
>> credit instead of debit at the POS terminal. Naturally I select credit for
>> most instances. Some vendors charge a fee if using a CC, usually a
>> percentage of the transaction. In those cases I determine which fee will
>> be greater, CC or DC, and use the alternative.
>> No matter whether I select CC or DC, the money comes straight out of my
>> account. I have set up an overdraft facility on the debit card account, in
>> order to avoid penalty fees, and if there are insufficient funds, it acts
>> as a CC and I get hit with interest immediately. That has only happened on
>> rare occasions as I have a CC that I can use as an alternative if I know
>> my funds in the DC account are low.
>
>A few weeks ago when my husband was buying some things, I was looking
>around and found the perfect birthday card for a friend. I took it to the
>other counter and, having no cash on me, offered my debit card. He told me
>that on sales below £5 he had to charge me an extra 50p!! I went to find
>my husband and got cash from him! I rarely do carry cash and usually pay
>with my card! I am certainly not paying that!

Some really small corner stores do that here, it's self defence really
because so many people call past when they only want one small item.

"Gary" > wrote in message ...
> Ophelia wrote:
>>
>> A few weeks ago when my husband was buying some things, I was looking
>> around and found the perfect birthday card for a friend. I took it to
>> the
>> other counter and, having no cash on me, offered my debit card. He told
>> me
>> that on sales below £5 he had to charge me an extra 50p!! I went to
>> find
>> my husband and got cash from him! I rarely do carry cash and usually pay
>> with my card! I am certainly not paying that!
>
> Don't blame you. I have a local store here that I frequent. They have
> a similar policy. Any purchase under $5.00 is cash only, no cards.

I suppose I could at least have paid with my card, but I won't pay that
excess!

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

On 2016-01-05 1:13 AM, sf wrote:

>> Every time you use your card you pay. It is built into the price by the
>> seller. We all pay it. The fact that you don't think you pay is how
>> the banks are making money on us.
>
> So what? There are no discounts. You're paying the same price even
> if you pay cash.

Not always. I had a picture framed recently and was offered a
substantial discount if I paid cash. That was with a receipt and tax
paid, not under the table.

On 2016-01-05 7:43 AM, Nancy Young wrote:

> I expected to have to insert my card at most places starting in
> October but so far, only Trader Joe's and one other place, a tiny
> nursery/local honey/gift store.
>
> The rest of my usual places, I'd get a confused look from the cashier
> if I asked if I was supposed to put my card in the slot or swipe it.
> Oh, we're not ready for that yet. Why is the slot lit up if it's not
> operational? got me, I don't bother asking them that.
>
> All my cards have had chips for some time now.

We have been inserting cards for two years or more. It has been so long
I am not sure exactly when it started.

On 2016-01-05 7:51 AM, Gary wrote:
> wrote:
>> Actually I mostly shop very early like that and more often than not I
>> use the self checkout counter which I find great. No delays.
>
> The grocery store I shop at usually doesn't have one. oh well.
>


I refuse to use them. I want to deal with people. I don't relish the
day we are all unemployed because we have all been replaced by machines.

On Mon, 4 Jan 2016 21:41:46 -0500, Ed Pawlowski > wrote:

>On 1/4/2016 11:01 AM, Janet wrote:
>
>>>
>>> Sure it cost you. Fraud and theft costs all of us. The CC company took
>>> the hit, but it is reflected in the price we pay.
>>
>> ? I pay nothing for using debit and credit cards.
>>
>> Janet UK
>>
>
>Yes, you do. It is built into the price of what you buy. We all pay it
>and the banks get a piece of your card transaction. Makes little
>difference on small transaction, but when buying a major appliance many
>stores will give you a discount if you pay cash. I'm not sure what the
>merchant pays but 2% to 5% seems common from what I've been told.

All costs are built into the price of goods and services, otherwise
the losses would eliminate the profit factor and would prevent
business from being conducted. Even when a company offers free
samples that cost is added to the price of goods... nothing is free.

On Mon, 04 Jan 2016 22:13:51 -0800, sf > wrote:

>On Mon, 4 Jan 2016 21:44:56 -0500, Ed Pawlowski > wrote:
>
>> On 1/4/2016 1:38 PM, Janet wrote:
>> > In article >,
>> > says...
>> >>
>> >> On 2016-01-04 11:01 AM, Janet wrote:
>> >>
>> >>>> Sure it cost you. Fraud and theft costs all of us. The CC company took
>> >>>> the hit, but it is reflected in the price we pay.
>> >>>
>> >>> ? I pay nothing for using debit and credit cards.
>> >>
>> >> You don't get a bill, but they get their money from transaction fees and
>> >> interest. They take a little bit from all to make up for the losses.
>> >
>> > I don't pay any CC transaction fees or interest. Ever.
>>
>> Every time you use your card you pay. It is built into the price by the
>> seller. We all pay it. The fact that you don't think you pay is how
>> the banks are making money on us.
>
>So what? There are no discounts. You're paying the same price even
>if you pay cash.

Not true, many businesses do give a real discount for cash, same as
they give a real discount for volume and for paying within a certain
time. However there's no such thing as a senior discount, that
discount is calculated into the price, everyone pays it including the
seniors. The gas station in town gives a 5% discount for cash and a
$25 purchase... the liquor store I patronize gives a 10% discount on a
case if I pay in cash. What they're doing is sharing their bulk
discount with those who buy in bulk. Amazon does that for their
Subscribe & Save customers.

Dave Smith wrote:
>
> On 2016-01-05 7:51 AM, Gary wrote:
> > wrote:
> >> Actually I mostly shop very early like that and more often than not I
> >> use the self checkout counter which I find great. No delays.
> >
> > The grocery store I shop at usually doesn't have one. oh well.
> >
>
> I refuse to use them. I want to deal with people. I don't relish the
> day we are all unemployed because we have all been replaced by machines

Here's a funny about my one store that does have automatic checkout.
Early in the morning when I go there, the only checkout line available
is the auto one. But...they always have an employee standing there to
help you if you need help.

My thought is...why can't this employee just open a regular checkout
line? wth?

On 2016-01-05 11:39, Gary wrote:

> Here's a funny about my one store that does have automatic checkout.
> Early in the morning when I go there, the only checkout line available
> is the auto one. But...they always have an employee standing there to
> help you if you need help.
>
> My thought is...why can't this employee just open a regular checkout
> line? wth?
>


Some of the local stores with self check outs have someone there trying
to encourage people to use them. I usually ask them if they feel like a
Judas goat.

On 1/5/2016 11:39 AM, Gary wrote:

> Here's a funny about my one store that does have automatic checkout.
> Early in the morning when I go there, the only checkout line available
> is the auto one. But...they always have an employee standing there to
> help you if you need help.
>
> My thought is...why can't this employee just open a regular checkout
> line? wth?

I've never seen a store with only one self checkout lane. One
employee can keep an eye on several lanes. If your store does
have only one self checkout lane, that is weird, otherwise they
are using one person to man more than one lane in case there's
an influx of shoppers.

That's what I think.

nancy

"Gary" > wrote in message ...
> Dave Smith wrote:
>>
>> On 2016-01-05 7:51 AM, Gary wrote:
>> > wrote:
>> >> Actually I mostly shop very early like that and more often than not I
>> >> use the self checkout counter which I find great. No delays.
>> >
>> > The grocery store I shop at usually doesn't have one. oh well.
>> >
>>
>> I refuse to use them. I want to deal with people. I don't relish the
>> day we are all unemployed because we have all been replaced by machines
>
> Here's a funny about my one store that does have automatic checkout.
> Early in the morning when I go there, the only checkout line available
> is the auto one. But...they always have an employee standing there to
> help you if you need help.
>
> My thought is...why can't this employee just open a regular checkout
> line? wth?

Our automatic checkouts have about 10 tills and that one person overseas
them all. Is your auto checkout in line with the other tills.?? Ours are
set out in two lines facing each other in an enclosed area.

I use one but only if I have a few things to go through.



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

Sqwertz wrote:
> "They're still trying to
> figure that out".

What, this:

++++++++++++++++++++++++++++++++++++++++++++++++++ ++++++++++++++++++++++++++++++++++++++

"Why do you even bother posting if that's all you have to say? We've
heard the same thing at least 2,000 times by now."

-sw

"OK, so it's your planet so I guess you get to define what all teens on
Planet Bove eat. We'll need to add this to the Planet Bove Wikipedia
entry: "Teenagers on Planet Bove only eat chicken strips, fries, and
baby carrots".

-sw

"Incredible. And you STILL don't shut up."

-sw

I thought you were here just to talk about cooking? You've only said
that at least 25 times, yet 95% of the flack you get is about
off-topic subjects.

-sw

++++++++++++++++++++++++++++++++++++++++++++++++++ ++++++++++++++++++++++++++++++++++++

Sqwertz wrote:
> Just touch my wallet to the scanner and BEEP - I'm
> in.


Beep this in, woman-stalker:

++++++++++++++++++++++++++++++++++++++++++++++++++ ++++++++++++++++++++++++++++++++++++++

"Why do you even bother posting if that's all you have to say? We've
heard the same thing at least 2,000 times by now."

-sw

"OK, so it's your planet so I guess you get to define what all teens on
Planet Bove eat. We'll need to add this to the Planet Bove Wikipedia
entry: "Teenagers on Planet Bove only eat chicken strips, fries, and
baby carrots".

-sw

"Incredible. And you STILL don't shut up."

-sw

I thought you were here just to talk about cooking? You've only said
that at least 25 times, yet 95% of the flack you get is about
off-topic subjects.

-sw

++++++++++++++++++++++++++++++++++++++++++++++++++ ++++++++++++++++++++++++++++++++++++

On 1/5/2016 7:58 AM, Nancy Young wrote:
> On 1/4/2016 9:44 PM, Ed Pawlowski wrote:
>> On 1/4/2016 1:38 PM, Janet wrote:
>
>>> I don't pay any CC transaction fees or interest. Ever.
>>
>> Every time you use your card you pay. It is built into the price by the
>> seller. We all pay it. The fact that you don't think you pay is how
>> the banks are making money on us.
>
> They certainly aren't maintaining all those systems and related
> infrastructure for free.
>
> nancy
>
Exactly.

Jill

Dave Smith wrote:
> On 2016-01-05 11:39, Gary wrote:
>
>> Here's a funny about my one store that does have automatic checkout.
>> Early in the morning when I go there, the only checkout line available
>> is the auto one. But...they always have an employee standing there to
>> help you if you need help.
>>
>> My thought is...why can't this employee just open a regular checkout
>> line? wth?
>>
>
>
> Some of the local stores with self check outs have someone there trying
> to encourage people to use them. I usually ask them if they feel like a
> Judas goat.


Why?

Are you just a hateful old man?

In article >,
says...
>
> On 1/4/2016 11:01 AM, Janet wrote:
>
> >>
> >> Sure it cost you. Fraud and theft costs all of us. The CC company took
> >> the hit, but it is reflected in the price we pay.
> >
> > ? I pay nothing for using debit and credit cards.
> >
> > Janet UK
> >
>
> Yes, you do. It is built into the price of what you buy.

The price is the same if I pay by cash. So I'm not paying more for
what I buy, if I use a DD or CC card.

We all pay it
> and the banks get a piece of your card transaction. Makes little
> difference on small transaction, but when buying a major appliance many
> stores will give you a discount if you pay cash.

Used to, but no more. It's years since discount for cash was
available in major appliance stores here. These days, canny customers
find the best deal via online price comparison sites. I only go into
major appliance shops to choose the model I'm going to buy online,
cheaper.

Janet UK

In article >, gravesend10
@verizon.net says...
>
> On Mon, 4 Jan 2016 21:41:46 -0500, Ed Pawlowski > wrote:
>
> >On 1/4/2016 11:01 AM, Janet wrote:
> >
> >>>
> >>> Sure it cost you. Fraud and theft costs all of us. The CC company took
> >>> the hit, but it is reflected in the price we pay.
> >>
> >> ? I pay nothing for using debit and credit cards.
> >>
> >> Janet UK
> >>
> >
> >Yes, you do. It is built into the price of what you buy. We all pay it
> >and the banks get a piece of your card transaction. Makes little
> >difference on small transaction, but when buying a major appliance many
> >stores will give you a discount if you pay cash. I'm not sure what the
> >merchant pays but 2% to 5% seems common from what I've been told.
>
> All costs are built into the price of goods and services, otherwise
> the losses would eliminate the profit factor and would prevent
> business from being conducted. Even when a company offers free
> samples that cost is added to the price of goods... nothing is free.

The GOODS are not free. Using my CC or DD card to pay the price of the
goods, costs me not a penny more than if I pay cash.

Janet.

Janet wrote:
> In article >, gravesend10
> @verizon.net says...
>>
>> On Mon, 4 Jan 2016 21:41:46 -0500, Ed Pawlowski > wrote:
>>
>>> On 1/4/2016 11:01 AM, Janet wrote:
>>>
>>>>>
>>>>> Sure it cost you. Fraud and theft costs all of us. The CC company took
>>>>> the hit, but it is reflected in the price we pay.
>>>>
>>>> ? I pay nothing for using debit and credit cards.
>>>>
>>>> Janet UK
>>>>
>>>
>>> Yes, you do. It is built into the price of what you buy. We all pay it
>>> and the banks get a piece of your card transaction. Makes little
>>> difference on small transaction, but when buying a major appliance many
>>> stores will give you a discount if you pay cash. I'm not sure what the
>>> merchant pays but 2% to 5% seems common from what I've been told.
>>
>> All costs are built into the price of goods and services, otherwise
>> the losses would eliminate the profit factor and would prevent
>> business from being conducted. Even when a company offers free
>> samples that cost is added to the price of goods... nothing is free.
>
> The GOODS are not free. Using my CC or DD card to pay the price of the
> goods, costs me not a penny more than if I pay cash.
>
> Janet.
>
That's because the cost of "free" or "transaction fee" is pre-loaded
into the pricing of the good, along with advertising and other overhead.

You're simply being charged a hidden cost.

If you pay cash you're paying more by getting less benefit from using a
card.

On Tue, 05 Jan 2016 11:39:20 -0500, Gary > wrote:

>Dave Smith wrote:
>>
>> On 2016-01-05 7:51 AM, Gary wrote:
>> > wrote:
>> >> Actually I mostly shop very early like that and more often than not I
>> >> use the self checkout counter which I find great. No delays.
>> >
>> > The grocery store I shop at usually doesn't have one. oh well.
>> >
>>
>> I refuse to use them. I want to deal with people. I don't relish the
>> day we are all unemployed because we have all been replaced by machines
>
>Here's a funny about my one store that does have automatic checkout.
>Early in the morning when I go there, the only checkout line available
>is the auto one. But...they always have an employee standing there to
>help you if you need help.
>
>My thought is...why can't this employee just open a regular checkout
>line? wth?

At my store the clerk is standing there but often there are six of us
using the self checkout.

wrote:
> On Tue, 05 Jan 2016 11:39:20 -0500, Gary > wrote:
>
>> Dave Smith wrote:
>>>
>>> On 2016-01-05 7:51 AM, Gary wrote:
>>>> wrote:
>>>>> Actually I mostly shop very early like that and more often than not I
>>>>> use the self checkout counter which I find great. No delays.
>>>>
>>>> The grocery store I shop at usually doesn't have one. oh well.
>>>>
>>>
>>> I refuse to use them. I want to deal with people. I don't relish the
>>> day we are all unemployed because we have all been replaced by machines
>>
>> Here's a funny about my one store that does have automatic checkout.
>> Early in the morning when I go there, the only checkout line available
>> is the auto one. But...they always have an employee standing there to
>> help you if you need help.
>>
>> My thought is...why can't this employee just open a regular checkout
>> line? wth?
>
> At my store the clerk is standing there but often there are six of us
> using the self checkout.
>

And 5 of them are Syrians...

In article >, says...
>
> Xeno wrote:
> >
> > > Well it didn't let me have any cash, same thing at Barclays. It
> > > didn't matter and now everything is online most frequently I withdraw
> > > cash on Visa or MC then go online and pay direct because of not
> > > wanting to pay interest. I don't know if its the same there but if
> > > you draw cash on a credit card, interests starts right away, not the
> > > end of the month.
> > >
>
> For my one credit card, cash advances are a higher interest rate
> and if you keep a balance, all your payments go to the lower
> purchases first and not towards the cash advance.

I never draw cash on a CC (or pay CC interest).
Drawing cash with a DD is free.

Janet UK