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| Name: |
Mack
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| Subject: |
Times are Hard,, the Economy>>
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Date:
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6/8/2011 6:58:36 PM
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is struggling. Right?
Attended the Zac Brown concert at Verizon Amphitheater in B'Ham. Tickets were $40 a pop and up from there.
16 oz. bottled water was as much as $8.00, yes, that was an eight. 16 oz. beer was $9.00 each.
Place was packed full. Long lines at beer/water concessions. Average age there was maybe 20 to 45. Credit/debit cards were flashing. Watched one 30 year old make at least 4 trips to the concession for 4 beers each trip.
Life is good. Lord help us, because we can't help ourselves. Maybe just me.
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| Name: |
Talullahhound
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| Subject: |
Times are Hard,, the Economy>>
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Date:
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6/8/2011 8:03:33 PM
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You know, I think what you observed is a good part of the problem. As long as people are using their debit/credit cards, it's like the money they are spending isn't real. $8 for a bottle of water? Is that insane or what? If they actually forked over the dollar bills, would they think more about what they are spending?
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| Name: |
Barneget
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| Subject: |
Times are Hard,, the Economy>>
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Date:
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6/8/2011 8:12:08 PM
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The economy is hard on most of us, and many have made numerous sacrifices to try and keep our heads above water. The occassional feel good moment is certainly not an indicator of overall health. I see events like you describe as the banana split after 4 weeks of strict dieting. For others, last nights event is more like Christmas Day at Bob Cratchetts, with it being his only afternoon off all year. Then of course there is the ruling class, led by Chairman O and the elite effites, whose suffering to this point has been immeasurable, not because the chart is only this deep, but because we are unable to slice the block that thin.
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| Name: |
Barneget
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| Subject: |
re debit/credit cards
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Date:
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6/8/2011 8:26:33 PM
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Hound, I'm sure you know that many employers, large and small, offer only direct deposit for net payroll earnings. That may be a factor in the widespread use of debit cards. The difference is you cant see to count the cash left in your wallet. My observation is people are more restrained with their debit card spending as they dont want that $1.08 cup of McJoe that they may have forgotten to record costing them an extra $30 in charges from our group of too big to fail.
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| Name: |
roswellric
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| Subject: |
Dude...
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Date:
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6/8/2011 10:27:20 PM
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check this out...
URL: Expensive tickets
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| Name: |
Talullahhound
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| Subject: |
re debit/credit cards
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Date:
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6/8/2011 10:35:05 PM
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I actually use my debit card all the time. But, I suspect a lot of us don't have quite the close margin of error that others may have. Since the banks changed the rules on overdraft services, I feel sure that a lot of people have learned the hard lesson.
I think a lot of us grew up in a "debit-less" world, and even though we swipe our cards now, we tend to remember the days we couldn't do something because we didn't have the cash on hand.
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| Name: |
Barneget
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| Subject: |
re debit/credit cards
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Date:
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6/8/2011 11:29:03 PM
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Although I have debit cards tied to various accounts, none have been activated and they sit, with their instruction page, stacked on my desk. My wallet usually carries enough cash for lunch and my American Express card. With our businesses, method of payment (receipts) shifted over the last 3 years from approx 60% credit, 10% debit and 30% cash to 45% credit, 35% debit, and 20% cash. Debit cards expanded greatly into both cc and cash share.
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| Name: |
Pontoonfisher
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| Subject: |
re debit/credit cards
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Date:
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6/9/2011 7:20:16 AM
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You shouldn't use your debit card. Use a credit card that has some type of rewards program (Discover, American Express). I use Discover for everything and pay it off each month. Even if I have the cash to make a large purchase I will use the credit to get the cash back bonus (if they knock 3% off I will pay cash). Through Discover's cash back program they have been paying me to use there card.
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| Name: |
Barneget
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| Subject: |
some clarity re debit/credit cards
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Date:
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6/9/2011 8:41:08 AM
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Banks and credit card issuers charge merchants multiple fees each time the plastic is swiped. I pay the fees, and like most every other expense, build it into the cost of doing business. Last year, my fees totalled more than $700,000 dollars, a number larger than my rents and labor combined. Debit averaged about 1.25%, Visa/MC just over 2%, Discover over 3.3%, and AMEX at 4.33%. Merchants were, by contract agreement with card issuers, prohibited from charging the user any additional fees. So, we spread the cost over all customers. The DoddFrank financial reform law, enacted last year, does alot of no good dirty things. The component supported by retailers limits bank transaction fees and allows for the collection of associated costs from the individual user. Senate hearings concluded yesterday with the decision to allow implementation. Bank customers will see higher fees associated with most consumer bank services, retail customers may see higher transaction costs associated with their method of payment. Do you think merchants will reduce their weighted retails as the surcharges roll out?
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