On 1/5/2016 1:37 PM, Janet wrote:

> 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

Major shops don't offer discounts for cash, but when you deal with the
owner of local stores it may be possible. Buying a major appliance on
line is not something I'd do. I can get competitive prices and service
locally. I don't want to have a 350# refrigerator delivered on the
doorstep, I want it put in place and the old one hauled away.

Small appliances is a different story. I just bought a toaster from
Amazon because the local stores did not have what I wanted. I use my
Amazon CC and get 3% back too.

On 1/5/2016 2:46 PM, graham wrote:
> On 05/01/2016 11:37 AM, Janet wrote:
>>
> I only go into
>> major appliance shops to choose the model I'm going to buy online,
>> cheaper.
>>
>> Janet UK
>>
> A store that sold quality kitchen and dining room furniture and
> accessories recently closed here after 40+ years in business because
> of that practice.
> Graham
>

It has often been said that Best Buy is Amazon's showroom.

Sqwertz wrote:
> The machines know

**** off and drop dead, woman-stalker:

-----------------------------------------------------------------------------------
ost
>
3/18/2011 3:49 PM
Microsoft Internet News 4.70.1162
readnews.com - News for Geeks and ISPs
fa35d278.newsreader.readnews.com


Sorry I don't fit either of your Ideal Psycho Pal Profiles.

-sw
---------------------------------------------------------------------------------------

I'd prefer you use a sniper rifle on me from a few hundred yards away.
There you go - a reason for you to buy yet another gun and ammo.

----------------------------------------------------------------------------------------

On Tue, 5 Jan 2016 09:17:31 -0500, Dave Smith
> wrote:

> 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.
>
That's a rare exception.


--

sf

On Tue, 5 Jan 2016 21:39:40 -0500, Ed Pawlowski > wrote:

> It may come. Some store have been testing a system where you carry a
> scanner on the cart and scan as you go. At the register you just pay.
> I don't know how it has been working but it is not widespread yet.

I thought I read about that happening back East years ago right here
on rfc... it didn't show up here, so it must have fizzled somewhere.

--

sf

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.

--

sf

On Tue, 5 Jan 2016 21:51:47 -0500, Ed Pawlowski > wrote:

> Stores do that but the CC companies allow it. My bank was offering a
> bonus if you made some amount of purchases less than $10 in a statement
> cycle. They want to get you in the habit of using your card for small
> purchases so you can enrich them. Watch the drive up window at your
> local coffee shop and see how many pay with plastic for a couple of
> bucks. Banks love it, a few pennies at a time.

So what? Pay it off at the end of the month.

--

sf

"Brooklyn1" > wrote in message
...
> On Tue, 5 Jan 2016 21:05:25 -0000, "Ophelia" >
> wrote:
>
>>
>>
>>"Brooklyn1" > wrote in message
. ..
>>> On Tue, 5 Jan 2016 13:44:07 -0000, "Ophelia" >
>>> wrote:
>>>
>>>>
>>>>
>>>>"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!
>>>
>>> So, from now on carry some money, tuck it in your bra.
>>
>>Not my pockets then?
>
> Don't you want your money to be happy happy? This is the safest
> way for ladies to carry cash, jewelry, other valuables... there's not
> much about ladies intimates I don't know, especially anything
> regarding their bosoms.
> http://www.amazon.com/s/?ie=UTF8&key...sl_mxvvbv8z6_b

All my money is happy money! I can't remember the last time I went out
without Himself and he carries money. It's no fun going out without him
))



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

"dsi1" > wrote in message
...

>> I shopped at my Winco yesterday and saw chitlins, bags of fresh masa
>> dough and corn husks available . Now, they may always be available
>> but not so prominently displayed (I'm assuming because of the recent
>> holidays)
>> Janet US
>>
>
> Sounds like you must be part African American, Samoan, and Mexican!

How about English??? I told you they were on sale when I was a child

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

"Ed Pawlowski" > wrote in message
...
> On 1/5/2016 3:57 AM, 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.
>>>
>
>
> It may come. Some store have been testing a system where you carry a
> scanner on the cart and scan as you go. At the register you just pay. I
> don't know how it has been working but it is not widespread yet.

I didn't write the above but ... those self scanners have been in use for a
long time in our stores. I don't use them but many do. There is a special
area they go to when they are finished where an assistant does a check so
far as I can see, but I suspect they just pay with their cards.



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

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.

Cindy Hamilton

"Ophelia" > wrote in message
...

>> It may come. Some store have been testing a system where you carry a
>> scanner on the cart and scan as you go. At the register you just pay. I
>> don't know how it has been working but it is not widespread yet.
>
> I didn't write the above but ... those self scanners have been in use for
> a long time in our stores. I don't use them but many do. There is a
> special area they go to when they are finished where an assistant does a
> check so far as I can see, but I suspect they just pay with their cards.

These are the self scanners we have:

http://www.tesco.com/scan-as-you-shop/




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

On Tue, 5 Jan 2016 14:03:23 -1000, dsi1 > wrote:

>On 1/5/2016 11:29 AM, Janet B wrote:
>> On Tue, 5 Jan 2016 11:18:15 -0800 (PST), dsi1 >
>> wrote:
>>
>>> On Tuesday, January 5, 2016 at 1:26:37 AM UTC-10, Ophelia wrote:
>>>> "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)
>>>>
>>>
>>> Chitlins, in the US, is mostly associated with poor black folk food. Ironically, it is reserved for special occasions these days because it's not something you prepare on a whim. You have to boil that pigs guts for hours to get rid of the smell and soften it up a bit - well, that's my understanding anyway.
>>>
>>> The intestines that I had was probably beef and I can't say if it was boiled prior to it being grilled. It was some pretty tough material and I had to spit it out - not because of the taste but because my teeth seemed to have no effect on it whatsoever.
>>>
>>> Later on, I had a bad case of the trots. I figured it was the battle of the intestines - my guts vs their guts. Their guts must have won. OTOH, it was probably the small piece of fried cheese cake what really done me in.
>>>
>>>>
>>>>> 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/
>>
>> I shopped at my Winco yesterday and saw chitlins, bags of fresh masa
>> dough and corn husks available . Now, they may always be available
>> but not so prominently displayed (I'm assuming because of the recent
>> holidays)
>> Janet US
>>
>
>Sounds like you must be part African American, Samoan, and Mexican!

In the last few years, supermarkets in my city have become far more
cosmopolitan. We can get most any food seen on TV cooking shows as
well as items for a growing multinational community.
Janet US

On 1/5/2016 9:39 PM, Ed Pawlowski wrote:

> It may come. Some store have been testing a system where you carry a
> scanner on the cart and scan as you go. At the register you just pay. I
> don't know how it has been working but it is not widespread yet.
>
Stop&Shop have had that system for a few years now - very like the
system used by Waitrose in the UK.

"sf" > wrote in message
...
> On Tue, 5 Jan 2016 21:39:40 -0500, Ed Pawlowski > wrote:
>
>> It may come. Some store have been testing a system where you carry a
>> scanner on the cart and scan as you go. At the register you just pay.
>> I don't know how it has been working but it is not widespread yet.
>
> I thought I read about that happening back East years ago right here
> on rfc... it didn't show up here, so it must have fizzled somewhere.
>

I did make a new thread for this but since it is still being discussed ..

Self scanners are common here and here is one:

http://www.tesco.com/scan-as-you-shop/




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

In article >,
says...
>
> "Brooklyn1" > wrote in message
> ...
> > On Tue, 5 Jan 2016 21:05:25 -0000, "Ophelia" >
> > wrote:
> >
> >>
> >>
> >>"Brooklyn1" > wrote in message
> . ..
> >>> On Tue, 5 Jan 2016 13:44:07 -0000, "Ophelia" >
> >>> wrote:
> >>>
> >>>>
> >>>>
> >>>>"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!
> >>>
> >>> So, from now on carry some money, tuck it in your bra.
> >>
> >>Not my pockets then?
> >
> > Don't you want your money to be happy happy? This is the safest
> > way for ladies to carry cash, jewelry, other valuables... there's not
> > much about ladies intimates I don't know, especially anything
> > regarding their bosoms.
> > http://www.amazon.com/s/?ie=UTF8&key...sl_mxvvbv8z6_b
>
> 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

"Janet" > wrote in message
.. .

>> All my money is happy money! I can't remember the last time I went out
>> without Himself and he carries money.
>
> OMG

Perhaps your husband doesn't enjoy your company?

We are *very* happy together)



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

On Wed, 6 Jan 2016 12:57:39 -0000, "Ophelia" >
wrote:

>
>
>"Ophelia" > wrote in message
...
>
>>> It may come. Some store have been testing a system where you carry a
>>> scanner on the cart and scan as you go. At the register you just pay. I
>>> don't know how it has been working but it is not widespread yet.
>>
>> I didn't write the above but ... those self scanners have been in use for
>> a long time in our stores. I don't use them but many do. There is a
>> special area they go to when they are finished where an assistant does a
>> check so far as I can see, but I suspect they just pay with their cards.
>
>These are the self scanners we have:
>
>http://www.tesco.com/scan-as-you-shop/


The self scanners I use are a flatbed scanner, kind of like the glass
bed on your printer. You pass the item's bar code over the glass to
be read.
Janet US

In article >,
says...
>
> On Tue, 5 Jan 2016 20:30:47 -0000, Janet > wrote:
>
> snip
> >
> > But not evenly. I am a bank customer who pays no banking costs or
> >charges of any kind for the services I use.
> >
> > Other customers do, the ones who pay interest on bank loans and over
> >drafts, and run up huge CC debts at awful interest rates. They are
> >subsidising me.
> >
> > Janet UK
>
> Generally that privilege is offered to customers who maintain a
> certain balance with the bank. Your payment for services is
> essentially lending the bank your money, interest free.

Er, no. The bank pays interest to ME :-)


Janet UK

In article >, lid says...
>
> On 6/1/2016 09:35 Doris Night wrote:
>
> > On Tue, 5 Jan 2016 19:12:23 -0000, Janet > wrote:
> >
> >>In article >,
> >>says...
> >>>
> >>> 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.
> >>
> >> Ditto
> >>
> >> Janet UK
> >
> > There are no self checkouts in any of the stores around here, so I
> > don't have to worry about it, but I'm pretty sure I wouldn't use one.
> > I spent a few years working as a cashier, and I hate to think about
> > people in that trade being shown the door.
>
> When you need to take out money, do you also go into a bank,
> rather than use an ATM?

I haven't been in to my bank for over a year. I either draw cash from
an ATM with my DD card (no charge) ; or, at the smkt I pay for goods
with my no-charges DD card and get cashback from the till (no charge).

Janet UK

On Wednesday, January 6, 2016 at 8:46:43 AM UTC-5, Janet wrote:
> In article >,
> says...
> >
> > On Tue, 5 Jan 2016 20:30:47 -0000, Janet > wrote:
> >
> > snip
> > >
> > > But not evenly. I am a bank customer who pays no banking costs or
> > >charges of any kind for the services I use.
> > >
> > > Other customers do, the ones who pay interest on bank loans and over
> > >drafts, and run up huge CC debts at awful interest rates. They are
> > >subsidising me.
> > >
> > > Janet UK
> >
> > Generally that privilege is offered to customers who maintain a
> > certain balance with the bank. Your payment for services is
> > essentially lending the bank your money, interest free.
>
> Er, no. The bank pays interest to ME :-)

Sure, but it's probably a trifling amount compared to what they
earn by loaning your money out.

Savings accounts in the U.S. are currently paying an average of
0.48% and checking accounts (if they pay interest at all) are
paying 0.41%. Hope you're doing better over there.

Cindy Hamilton

Janet wrote:
>
>Ophy wrote:
> > All my money is happy money! I can't remember the last time I went out
> > without Himself and he carries money.

> OMG

LOL! I kind of chuckled at that comment too. So Ophy is a
tightwad...she wants to keep all of "her" money and let Himself pay
for everything when they go out together. heheheh

On 2016-01-05 10:57 PM, Ed Pawlowski wrote:
> On 1/5/2016 5:35 PM, Doris Night wrote:

> That is not a problem according to a local store manager. He said it is
> difficult to get people to fill the jobs he has available.
>
> I don't like using self check but sometimes it is faster for a few items.


That becomes even more of a problem when they have few and fewer
cashiers because they are pushing people to self checkout.

Ophelia wrote:
>
> "Janet" > wrote in message
> .. .
>
> >> All my money is happy money! I can't remember the last time I went out
> >> without Himself and he carries money.
> >
> > OMG
>
> Perhaps your husband doesn't enjoy your company?
>
> We are *very* happy together)

OK Ophy....I'm in 'teasing YOU' mode now.

Remember Sonny and Cher? They made the hit song "Happy Together" and
you see how that relationship turned out. lol..

In article >,
says...
>
> On 1/5/2016 1:57 PM, Janet wrote:
> > In article >,
> > says...
> >>
> >> 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.
> >
> > I would not pay any less, if I paid the seller in cash.
> >
>
> Depends on the seller. Some local stores will discount for cash.

They don't here because of VAT tax accounting.

>
> Drag some cash to the right store and you can save.

As I said before, that possibility ended long ago here. This is a
small country, which means virtually every retailer has a local
competitor, who would just love to find out the opposition does under
the counter cash discounts which alter their VAT returns. So would
HMRC....

Janet UK

"Janet B" > wrote in message
...
> On Wed, 6 Jan 2016 12:57:39 -0000, "Ophelia" >
> wrote:
>
>>
>>
>>"Ophelia" > wrote in message
...
>>
>>>> It may come. Some store have been testing a system where you carry a
>>>> scanner on the cart and scan as you go. At the register you just pay.
>>>> I
>>>> don't know how it has been working but it is not widespread yet.
>>>
>>> I didn't write the above but ... those self scanners have been in use
>>> for
>>> a long time in our stores. I don't use them but many do. There is a
>>> special area they go to when they are finished where an assistant does a
>>> check so far as I can see, but I suspect they just pay with their cards.
>>
>>These are the self scanners we have:
>>
>>http://www.tesco.com/scan-as-you-shop/
>
>
> The self scanners I use are a flatbed scanner, kind of like the glass
> bed on your printer. You pass the item's bar code over the glass to
> be read.

That is what we have in the self service checkouts. We do as you, pass the
item over the glass to be read.

The self scanners I described, are handsets taken around the shop by the
customer. Did you scroll right down to where it shows how the scanner
works? As you go around the store you scan the product barcode as you
shop. The handset tracks your spending too. It gives you a spending total
of everything you have scanned so far including promotions.
There is a button to remove an item if you change your mind and you can scan
through the items you have in the list when/if you want.

Hmm I think I have talked myself into using them lol


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

On 2016-01-06 9:07 AM, Cindy Hamilton wrote:

>> Er, no. The bank pays interest to ME :-)
>
> Sure, but it's probably a trifling amount compared to what they
> earn by loaning your money out.
>
> Savings accounts in the U.S. are currently paying an average of
> 0.48% and checking accounts (if they pay interest at all) are
> paying 0.41%. Hope you're doing better over there.
>

Funny how banks are making huge profits these days while interest rates
are pitifully low. It is annoying after years of putting away money form
earnings and inheritances into savings accounts. When various accounts
come due and I have to go and see the financial consultant I see that
the money I will get from it barely pays for the gas to drive over
there. I can't help but think back to 1977 when I bought our house and
was paying 10 1/4 % on the mortgage, and then had to renew in 1982 at 18
1/2%. Now that I have money in the bank it I am lucky to get 1-1/2%.

"Gary" > wrote in message ...
> Janet wrote:
>>
>>Ophy wrote:
>> > All my money is happy money! I can't remember the last time I went out
>> > without Himself and he carries money.
>
>> OMG
>
> LOL! I kind of chuckled at that comment too. So Ophy is a
> tightwad...she wants to keep all of "her" money and let Himself pay
> for everything when they go out together. heheheh

lol we don't have 'his and hers' money. We share everything))



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

On Wed, 6 Jan 2016 14:22:52 -0000, "Ophelia" >
wrote:

>
>
>"Janet B" > wrote in message
.. .
>> On Wed, 6 Jan 2016 12:57:39 -0000, "Ophelia" >
>> wrote:
>>
>>>
>>>
>>>"Ophelia" > wrote in message
...
>>>
>>>>> It may come. Some store have been testing a system where you carry a
>>>>> scanner on the cart and scan as you go. At the register you just pay.
>>>>> I
>>>>> don't know how it has been working but it is not widespread yet.
>>>>
>>>> I didn't write the above but ... those self scanners have been in use
>>>> for
>>>> a long time in our stores. I don't use them but many do. There is a
>>>> special area they go to when they are finished where an assistant does a
>>>> check so far as I can see, but I suspect they just pay with their cards.
>>>
>>>These are the self scanners we have:
>>>
>>>http://www.tesco.com/scan-as-you-shop/
>>
>>
>> The self scanners I use are a flatbed scanner, kind of like the glass
>> bed on your printer. You pass the item's bar code over the glass to
>> be read.
>
>That is what we have in the self service checkouts. We do as you, pass the
>item over the glass to be read.
>
>The self scanners I described, are handsets taken around the shop by the
>customer. Did you scroll right down to where it shows how the scanner
>works? As you go around the store you scan the product barcode as you
>shop. The handset tracks your spending too. It gives you a spending total
>of everything you have scanned so far including promotions.
>There is a button to remove an item if you change your mind and you can scan
>through the items you have in the list when/if you want.
>
>Hmm I think I have talked myself into using them lol

let me know how that works out.
Janet US

"Gary" > wrote in message ...
> Ophelia wrote:
>>
>> "Janet" > wrote in message
>> .. .
>>
>> >> All my money is happy money! I can't remember the last time I went
>> >> out
>> >> without Himself and he carries money.
>> >
>> > OMG
>>
>> Perhaps your husband doesn't enjoy your company?
>>
>> We are *very* happy together)
>
> OK Ophy....I'm in 'teasing YOU' mode now.

*thwap*


> Remember Sonny and Cher? They made the hit song "Happy Together" and
> you see how that relationship turned out. lol..

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/

On Wed, 6 Jan 2016 13:46:32 -0000, Janet > wrote:

>In article >,
says...
>>
>> On Tue, 5 Jan 2016 20:30:47 -0000, Janet > wrote:
>>
>> snip
>> >
>> > But not evenly. I am a bank customer who pays no banking costs or
>> >charges of any kind for the services I use.
>> >
>> > Other customers do, the ones who pay interest on bank loans and over
>> >drafts, and run up huge CC debts at awful interest rates. They are
>> >subsidising me.
>> >
>> > Janet UK
>>
>> Generally that privilege is offered to customers who maintain a
>> certain balance with the bank. Your payment for services is
>> essentially lending the bank your money, interest free.
>
> Er, no. The bank pays interest to ME :-)
>
>
> Janet UK
>
>
sure, but not nearly the amount they are making on your money. No
bank is giving anything away for free.
Janet US

On Wed, 6 Jan 2016 09:09:05 -0500, Dave Smith
> wrote:

>On 2016-01-05 10:57 PM, Ed Pawlowski wrote:
>> On 1/5/2016 5:35 PM, Doris Night wrote:
>
>> That is not a problem according to a local store manager. He said it is
>> difficult to get people to fill the jobs he has available.
>>
>> I don't like using self check but sometimes it is faster for a few items.
>
>
>That becomes even more of a problem when they have few and fewer
>cashiers because they are pushing people to self checkout.

It wouldn't be efficient to have all customers self check. Albertsons
dropped the practice all together because it cost more to run. I
think the self serve is to keep everybody calm and occupied, sort of
like how the air hostess passes out drinks and nibbles on an airplane

Janet US

In article >,
says...
>
> On 1/5/2016 1:37 PM, Janet wrote:
>
> > 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
>
> Major shops don't offer discounts for cash, but when you deal with the
> owner of local stores it may be possible.

Not in this rural location. Local stores have a very limited customer
base, stock a limited range of goods. They face high transport costs and
are in competition with the bulk purchasing power of online suppliers.
So their profit margin, and price, is already cut to the bone.

The only way they could offer a discount for cash is by cheating the
tax man. Catch 22; there are no secrets in areas like this.

Janet UK

On 1/6/2016 9:31 AM, Ophelia wrote:
> "Gary" > wrote..
>> Janet wrote:
>>> Ophy wrote:
>>> > All my money is happy money! I can't remember the last time I went
>>> out without Himself and he carries money.
>>
>>> OMG
>>
>> LOL! I kind of chuckled at that comment too. So Ophy is a
>> tightwad...she wants to keep all of "her" money and let Himself pay
>> for everything when they go out together. heheheh
>
> lol we don't have 'his and hers' money. We share everything))
>
As do we.

"Janet B" > wrote in message
...
> On Wed, 6 Jan 2016 14:22:52 -0000, "Ophelia" >
> wrote:
>
>>
>>
>>"Janet B" > wrote in message
. ..
>>> On Wed, 6 Jan 2016 12:57:39 -0000, "Ophelia" >
>>> wrote:
>>>
>>>>
>>>>
>>>>"Ophelia" > wrote in message
...
>>>>
>>>>>> It may come. Some store have been testing a system where you carry a
>>>>>> scanner on the cart and scan as you go. At the register you just
>>>>>> pay.
>>>>>> I
>>>>>> don't know how it has been working but it is not widespread yet.
>>>>>
>>>>> I didn't write the above but ... those self scanners have been in use
>>>>> for
>>>>> a long time in our stores. I don't use them but many do. There is a
>>>>> special area they go to when they are finished where an assistant does
>>>>> a
>>>>> check so far as I can see, but I suspect they just pay with their
>>>>> cards.
>>>>
>>>>These are the self scanners we have:
>>>>
>>>>http://www.tesco.com/scan-as-you-shop/
>>>
>>>
>>> The self scanners I use are a flatbed scanner, kind of like the glass
>>> bed on your printer. You pass the item's bar code over the glass to
>>> be read.
>>
>>That is what we have in the self service checkouts. We do as you, pass
>>the
>>item over the glass to be read.
>>
>>The self scanners I described, are handsets taken around the shop by the
>>customer. Did you scroll right down to where it shows how the scanner
>>works? As you go around the store you scan the product barcode as you
>>shop. The handset tracks your spending too. It gives you a spending total
>>of everything you have scanned so far including promotions.
>>There is a button to remove an item if you change your mind and you can
>>scan
>>through the items you have in the list when/if you want.
>>
>>Hmm I think I have talked myself into using them lol
>
> let me know how that works out.

Ok will do )

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

"S Viemeister" > wrote in message
...
> On 1/6/2016 9:31 AM, Ophelia wrote:
>> "Gary" > wrote..
>>> Janet wrote:
>>>> Ophy wrote:
>>>> > All my money is happy money! I can't remember the last time I went
>>>> out without Himself and he carries money.
>>>
>>>> OMG
>>>
>>> LOL! I kind of chuckled at that comment too. So Ophy is a
>>> tightwad...she wants to keep all of "her" money and let Himself pay
>>> for everything when they go out together. heheheh
>>
>> lol we don't have 'his and hers' money. We share everything))
>>

>As do we.

Not just us then? thought not. I don't carry much money around because
a) Himself is always with me and b) I have my cards!

Not a lot of point in us both carrying a lot of money. We both have the
same access to our funds.




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

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.
>
Unique transaction ID generated each time you use them.

In article >,
says...
>
> On Wednesday, January 6, 2016 at 8:46:43 AM UTC-5, Janet wrote:
> > In article >,
> > says...
> > >
> > > On Tue, 5 Jan 2016 20:30:47 -0000, Janet > wrote:
> > >
> > > snip
> > > >
> > > > But not evenly. I am a bank customer who pays no banking costs or
> > > >charges of any kind for the services I use.
> > > >
> > > > Other customers do, the ones who pay interest on bank loans and over
> > > >drafts, and run up huge CC debts at awful interest rates. They are
> > > >subsidising me.
> > > >
> > > > Janet UK
> > >
> > > Generally that privilege is offered to customers who maintain a
> > > certain balance with the bank. Your payment for services is
> > > essentially lending the bank your money, interest free.
> >
> > Er, no. The bank pays interest to ME :-)
>
> Sure, but it's probably a trifling amount compared to what they
> earn by loaning your money out.
>
> Savings accounts in the U.S. are currently paying an average of
> 0.48% and checking accounts (if they pay interest at all) are
> paying 0.41%. Hope you're doing better over there.

Holy cow yes.

There are bank current accounts here ( UK term for your "checking
account") paying 2%, 3% and 5% .

Janet UK

In article >,
says...
>
> On 2016-01-06 9:07 AM, Cindy Hamilton wrote:
>
> >> Er, no. The bank pays interest to ME :-)
> >
> > Sure, but it's probably a trifling amount compared to what they
> > earn by loaning your money out.
> >
> > Savings accounts in the U.S. are currently paying an average of
> > 0.48% and checking accounts (if they pay interest at all) are
> > paying 0.41%. Hope you're doing better over there.
> >
>
> Funny how banks are making huge profits these days while interest rates
> are pitifully low. It is annoying after years of putting away money form
> earnings and inheritances into savings accounts. When various accounts
> come due and I have to go and see the financial consultant I see that
> the money I will get from it barely pays for the gas to drive over
> there. I can't help but think back to 1977 when I bought our house and
> was paying 10 1/4 % on the mortgage, and then had to renew in 1982 at 18
> 1/2%. Now that I have money in the bank it I am lucky to get 1-1/2%.

Surely you can find guaranteed investments with a better return than
that? Even govt bonds here are paying 4%.

Janet UK

Ophelia wrote:
>
>
> "Ophelia" > wrote in message
> ...
>
>>> It may come. Some store have been testing a system where you carry a
>>> scanner on the cart and scan as you go. At the register you just pay. I
>>> don't know how it has been working but it is not widespread yet.
>>
>> I didn't write the above but ... those self scanners have been in use for
>> a long time in our stores. I don't use them but many do. There is a
>> special area they go to when they are finished where an assistant does a
>> check so far as I can see, but I suspect they just pay with their cards.
>
> These are the self scanners we have:
>
> http://www.tesco.com/scan-as-you-shop/
>
>
>
>
Good grief, you've replaced HUMANS!!!