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Dark Knight / Le Chevalier Noir
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---- Nous avons besoin d'un traduction français!
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It seems not. Bank fees are listed as a separate expense. Some retailers give a discount for cash (essentially refunding the bank fee if you don't make them incur it) but that would hardly work for the CFC.
I think Paypal gouges too, but no idea what rate. I guess one can argue that the convenience of multiple payment methods is preferable over a bunch of wacky rates depending on how you pay...
Regarding the Euro, it should be closer to par with the Can $ by this time next year, in my opinion.
A retailer sells a product for $100 and the customer pays by credit card.
Then either the retailer has to deduct the credit card charge (say 2%) when they make the deposit or else they deposit the whole amount and the bank takes it off automatically. I've seen both methods used.
New result is that we only receive $98 for the product. That's the cost of doing credit card business.
It seems not. Bank fees are listed as a separate expense. Some retailers give a discount for cash (essentially refunding the bank fee if you don't make them incur it) but that would hardly work for the CFC.
I think Paypal gouges too, but no idea what rate. I guess one can argue that the convenience of multiple payment methods is preferable over a bunch of wacky rates depending on how you pay...
I think we all incur bank fees. $50 per month doesn't seem too out of line.....
A retailer sells a product for $100 and the customer pays by credit card.
Then either the retailer has to deduct the credit card charge (say 2%) when they make the deposit or else they deposit the whole amount and the bank takes it off automatically. I've seen both methods used.
New result is that we only receive $98 for the product. That's the cost of doing credit card business.
A retailer buys at one price, marks up the item and sells at retail prices. If they aren't taking into consideration all their costs, and marking up accordingly when selling, I doubt they'll be around for long.
A retailer buys at one price, marks up the item and sells at retail prices. If they aren't taking into consideration all their costs, and marking up accordingly when selling, I doubt they'll be around for long.
That's right. The point is that the retailer makes more on the same sale when the customer pays by cash or debit ........
Canadian Tire has been passing along those savings to it's customers as long as I can remember, via Canadian Tire money.
Yes. Socialism is good until they've spent the other guys money and can't get more.
I'm enjoying watching McGuinty and his Liberals here in Ontario trying to rein in the spending. The Conservatives seem to be saying he's not going far enough. The NDP wants to continue spending and that seems to be gaining support from the union bosses. I don't know where the NDP will get the money but suppose it will be by issuing Ontario bonds. Possibly the teachers will lend an NDP Ontario government money from their pension fund. After all, what are friends for when times are hard? :)
Maybe next time I buy something large for cash I'll ask for a 2% discount before taxes are added and see what they say.
I don't think they can avoid the taxes on the discounted amount, so they would be losing more money on the deal than it appears. (I am far from an accountant or Certified General Anything, so perhaps I am mistaken)
Incidentally, I've noticed that many of the x-dollars off deals at Costco specify that they are AFTER the tax (HST) is calculated on the full amount ... the taxman always gets his pound of flesh first, followed by the banks, then local middlemen etc.
I don't think they can avoid the taxes on the discounted amount, so they would be losing more money on the deal than it appears. (I am far from an accountant or Certified General Anything, so perhaps I am mistaken)
I didn't know that. I thought when I bought something which was on sale 25% off, I only paid the tax on the sale price they were charging for the item.
I wouldn't ask for 2% off the entire amount because the full tax part still has to be submitted.
Thanks, Fred. That's the kind of information which, imo, should be appearing in the notes to the CFC's annual financial statements to improve the quality of disclosure. Hopefully we'll see similar information in the 2013 financial statements.
"We hang the petty thieves and appoint the great ones to public office." - Aesop
"Only the dead have seen the end of war." - Plato
"If once a man indulges himself in murder, very soon he comes to think little of robbing; and from robbing he comes next to drinking and Sabbath-breaking, and from that to incivility and procrastination." - Thomas De Quincey
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