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Author Topic: Credit Cards 2022  (Read 2742 times)

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Offline Al_Smith

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Re: Credit Cards 2022
« Reply #60 on: May 29, 2022, 08:29:47 AM »
I keep good records on just about everything .For example I only have one income rental income property and have a separate account where every transaction is recorded .One account is only social security income which I've never touched plus a third which is everything else .One credit card is nothing but e-bay and other on line stuff .It's just what works out best for me .I'm a retired electrician certainly not a CPA .The later mentioned my taxes got so frustrating I had to hire one .I figured it was the lesser evils of getting into a battle with the tax collectors of which I would certainly lose .

Offline customsawyer

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Re: Credit Cards 2022
« Reply #61 on: May 29, 2022, 12:19:31 PM »
Go ahead Cedarman. I get blamed for everything around here too. Just remember it is like a art gallery. Look but doooooon't touch. 
Two LT70s, Nyle L200 kiln, 4 head planer, 30" double surface planer, Lucus dedicated slaber, Slabmizer, and enough rolling stock and chainsaws to keep it all running.
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Offline kantuckid

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Re: Credit Cards 2022
« Reply #62 on: May 29, 2022, 02:30:34 PM »
??  How would you deposit a customer's check into your account?
Under $5,000 amount we can deposit a check to our CU via a cell phone pic. Or via drive up or walk in but it's a 3 hour RT :D. Large amounts of cash are more trouble but rare for us as we don't sell many cars now days.
Brick & mortar must matter to somebody cause they seem to keep building new banks! Lots of them! ;D Where would the big shot bankers hang out if no office space?  ::) 
Back when I worked shifts and especially when single, banking was nigh on impossible but was the only way to do many transactions, unlike now. I'd put my checks in the night deposit and yet had no cash on hand and was before CC'a and easy pay other methods. Groceries were also a PITA. I lived way out of town, the stores weren't open all night or Sundays or when I got off and were far from where I was trying to get some shuteye too.  Convenience store grub was all too often my meals. Now, Krogers trucks pickup orders a 50 mile RT to my small rural burg in the library parking lot and dollar stores all over the place.   
Kan=Kansas;tuck=Kentucky;kid=what I'm not

Offline Al_Smith

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Re: Credit Cards 2022
« Reply #63 on: May 30, 2022, 09:28:22 AM »
I've noticed they've put those dollar stories in places they have no competition .

Offline WV Sawmiller

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Re: Credit Cards 2022
« Reply #64 on: May 30, 2022, 09:55:56 AM »
   I heard somewhere that Dollar General was trying to put them so they are either less than 15 miles apart or so that people are no more than 15 miles from one - I forget which it was but either way it is a bunch.
Howard Green
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Dad always said "You can shear a sheep a bunch of times but you can only skin him once"

Offline Magicman

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Re: Credit Cards 2022
« Reply #65 on: May 30, 2022, 11:09:29 AM »
Dollar General is responding to their customer's need.  8)
Knothole Sawmill, LLC     '98 Wood-Mizer LT40SuperHydraulic   WM Million BF Club Member   WM Pro Sawyer Network

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Offline alan gage

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Re: Credit Cards 2022
« Reply #66 on: May 30, 2022, 01:45:48 PM »
The knock I've heard on the dollar stores from local grocery stores is that the dollar stores only carry the most profitable items so they can undercut the grocery store who has to charge more on the same items to make up for the low margin sales. So people tend to buy the high profit items for lower cost at the dollar store and then go to the grocery store for the low margin items. Which is causing quite an issue for some local grocery stores and also issues for customers when the grocery store closes and they no longer have access to all the "other" things the dollar store doesn't carry. 

Around here they're moving into little towns that don't even have a grocery store, which is nice. A few weeks ago, when my cat was ready to kill me in my sleep because I kept forgetting to get more cat food, and had been feeding him dog food for 3 days, it was nice to drive 5 miles to the dollar store in the town of 600 people rather than driving 12 miles to the grocery store in the town with 6000 people. 

Alan
Timberking B-16, a few chainsaws from small to large, and a Bobcat 873 Skidloader.

Offline Al_Smith

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Re: Credit Cards 2022
« Reply #67 on: May 30, 2022, 02:58:01 PM »
Years ago a company called L and K did the same thing with restaurants .Put them in places with no competition . 

Offline gspren

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Re: Credit Cards 2022
« Reply #68 on: May 31, 2022, 02:25:21 PM »
I like that the Dollar General stores are still small so that if I want a loaf of bread and some Tylenol, I don't need to hike a half a mile up and down isles to find them.
Stihl 041, 044 & 261, Kubota 400 RTV, Kubota BX 2670, Ferris Zero turn

Offline SwampDonkey

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Re: Credit Cards 2022
« Reply #69 on: May 31, 2022, 03:32:17 PM »

Brick & mortar must matter to somebody cause they seem to keep building new banks! Lots of them! ;D
Been closing them around here and as far as new ones, only moved to new ones and closed up the old. Net gain has been negative. :D
Some towns have lost their banks, none.
“No amount of belief makes something a fact.” James Randi

1 Thessalonians 5:21

2020 Polaris Ranger 570 to forward firewood, Husqvarna 555 XT Pro, Stihl FS560 clearing saw and continuously thinning my ground, on the side. Grow them trees. (((o)))

Offline WV Sawmiller

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Re: Credit Cards 2022
« Reply #70 on: May 31, 2022, 03:35:54 PM »
  That's what I love about our free enterprise system. If there is money to be made and someone sees the niche to be filled and recognizes the opportunity and is willing to put in the effort and take the risk they stand a chance of making a lot of money.
Howard Green
WM LT35HDG25(2015) , 2009 4wd Dodge PU, Kawasaki 650 ATV, Sthil 440 & 441, homemade logging arch (w/custom built rear log dolly), JD 750 w/4' wide Bushhog brand FEL

Dad always said "You can shear a sheep a bunch of times but you can only skin him once"

Offline SwampDonkey

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Re: Credit Cards 2022
« Reply #71 on: May 31, 2022, 03:40:28 PM »
J.J Newberry's was a nice small town store back in the day. They had everything and it wasn't poorly made crap. Stedman's was another nice store in small towns around here, you could get some quality goods. Can't imagine how a junk store could out compete. But apparently someone did. Or the family retired and no one to carry on, that happens to.
“No amount of belief makes something a fact.” James Randi

1 Thessalonians 5:21

2020 Polaris Ranger 570 to forward firewood, Husqvarna 555 XT Pro, Stihl FS560 clearing saw and continuously thinning my ground, on the side. Grow them trees. (((o)))

Offline WV Sawmiller

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Re: Credit Cards 2022
« Reply #72 on: May 31, 2022, 04:00:30 PM »
  Sounds to me like either the new store had better service, hours, prices or location and people chose them over higher quality and higher price at the first store.

   I don't know kind of items they sold but I make that conscious decision all the time on things like work gloves where I buy cheap, throw aways rather than high priced better made ones because the life expectancy difference between them for me is not worth the difference. 

   Sometimes good is good enough and excellent to superb is not needed or worth the extra cost or time required to make it.  Sorry if that offends the perfectionists reading this but that is life.
Howard Green
WM LT35HDG25(2015) , 2009 4wd Dodge PU, Kawasaki 650 ATV, Sthil 440 & 441, homemade logging arch (w/custom built rear log dolly), JD 750 w/4' wide Bushhog brand FEL

Dad always said "You can shear a sheep a bunch of times but you can only skin him once"

Online YellowHammer

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Re: Credit Cards 2022
« Reply #73 on: May 31, 2022, 05:16:23 PM »
When the price of everything goes up, then the price of everything matters if you are a business.

As a business, the goal is to increase net profit, and if taking credit cards can help increase sales (they are a big convenience for my customers) and they don't cost me money (I pass the fee to the customer and they know it) then it is win win for our business.  It's a decision all businesses should look at real hard, and realize there is a reason all the biggest retailers in the market uses them.  Could you  ever imagine Wal Mart, Kroger, McDonalds, Lowes, etc not taking credit or debit cards?  They do because than can be a powerful business tool.
YellowHammerisms:

Take steps to save steps.

If it won’t roll, its not a log; it’s still a tree.  Sawmills cut logs, not trees.

Kiln drying wood: When the cookies are burned, they’re burned, and you can’t fix them.  So don’t burn the cookies.

Sawing is fun for the first couple hundred boards.

Offline WV Sawmiller

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Re: Credit Cards 2022
« Reply #74 on: May 31, 2022, 06:27:10 PM »
Robert,

   I bet in many cases those big businesses have also been able to negotiate a better fee with the CC companies than a small business can do. In some cases they simply market their own CCs. Sears, Penny's, Montgomery Ward, Lowes, Gas companies, et. al issue their own cards to increase their sales. I have never asked but I would not be surprised is WalMart issued some too.
Howard Green
WM LT35HDG25(2015) , 2009 4wd Dodge PU, Kawasaki 650 ATV, Sthil 440 & 441, homemade logging arch (w/custom built rear log dolly), JD 750 w/4' wide Bushhog brand FEL

Dad always said "You can shear a sheep a bunch of times but you can only skin him once"

Online YellowHammer

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Re: Credit Cards 2022
« Reply #75 on: June 01, 2022, 12:18:32 AM »
You are right. I’m sure they have a low fee, but I bet they pass the whole fee on to the customer anyway.  It wouldn’t surprise me if they pass on even more than that, stuff I don’t even know is affecting me.  

When we had a “real” card merchant account where we could see each card and fee, it was interesting that the lowest fee was charged to us was from cards issued to the people with the worst credit rating.  Kids, teenagers, etc couldn’t get points back on their cards, didn’t use World cards, didn’t use company cards, and the credit card fees charged to us was less than a 60 year old guy with a company card getting points back.  So fees varied from, 1.25% to 7% based on the card type, the bank guarantee issuing the card, the user, etc.  It was pretty interesting to see how it all worked.  

YellowHammerisms:

Take steps to save steps.

If it won’t roll, its not a log; it’s still a tree.  Sawmills cut logs, not trees.

Kiln drying wood: When the cookies are burned, they’re burned, and you can’t fix them.  So don’t burn the cookies.

Sawing is fun for the first couple hundred boards.

Offline kantuckid

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Re: Credit Cards 2022
« Reply #76 on: June 01, 2022, 08:42:41 AM »
In my small burg we have a Family Dollar and a Dollar General along with a small IGA grocery store. The IGA is the only full grocery here and tends to be high priced but well run. Dollar stores have been a truly great thing for eastern KY and many other rural areas!
 Low income folks often seen doing much of there basic needs in one given the reality of a 50 miles plus RT. Family Dollar has a major warehouse not far from me. They are spaced about 15 miles apart as it seems. Currently I'm driving 24 miles one way to a sawmill in an area even more rural than mine. There is one tiny convenience store with no gas in that burg 2 miles from the sawmill, no other businesses. I pass directly by or a couple miles from 4 dollar stores going to the sawmill guys farm. 
Kan=Kansas;tuck=Kentucky;kid=what I'm not

Offline Al_Smith

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Re: Credit Cards 2022
« Reply #77 on: June 01, 2022, 01:34:03 PM »
I don't know if it's still practiced but at one time they attempted to solicit credit cards under the guise of some fraternal organizations, unions etc .People without looking at the terms got one ,or ten for that matter Those often charged interest from the purchase date not monthly billing date .They were in essence a scam .They got paid in two ways ,by the purchaser and the seller . Remember they are a business for profit .BTW I never carry a balance .

Offline SwampDonkey

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Re: Credit Cards 2022
« Reply #78 on: June 01, 2022, 03:49:20 PM »
I can't even get decent gloves in local stores now, they don't keep up with stock. They carry the brand, but if they have not the size, might as well not bother. Have to order online. Same thing happened with work clothes. They started making old reliable brands in Asian and the sizes are small and tight fitting. So I switched to Canadian//SA made that fit. The local gas bar, that closed 5 years ago, had all kinds of gloves for a working man/woman. Now it's gone, and can't even get gas in town. Retired. Then the owner died not long after and he was 65, bad heart. A lot of old businesses close because of retirement. Those stores I mentioned earlier were top rate, never heard a negative thing about them.
“No amount of belief makes something a fact.” James Randi

1 Thessalonians 5:21

2020 Polaris Ranger 570 to forward firewood, Husqvarna 555 XT Pro, Stihl FS560 clearing saw and continuously thinning my ground, on the side. Grow them trees. (((o)))

Offline WV Sawmiller

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Re: Credit Cards 2022
« Reply #79 on: June 01, 2022, 04:30:57 PM »
   I get decent service out of the cheap cloth with leather palm work gloves from HF and recently found Blue Mountain brand canvas work pants from TSC that seem to be working well and only about $15/pr.

   I think there will always be a market for high end tools and equipment and other products for professionals but inexpensive decent items will always sell to the laymen.
Howard Green
WM LT35HDG25(2015) , 2009 4wd Dodge PU, Kawasaki 650 ATV, Sthil 440 & 441, homemade logging arch (w/custom built rear log dolly), JD 750 w/4' wide Bushhog brand FEL

Dad always said "You can shear a sheep a bunch of times but you can only skin him once"


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