More Banking Troubles; "Black Friday" Busiest Shopping Day Without Credit and Debit Cards
Irvine, CA (ContentDesk) November 2, 2005 -- What would happen if on November 25th, consumers across America chose just cash and checks to shop? As consumers use cash rather than credit and debit cards on this important post-Thanksgiving shopping day, known as Black Friday, it will signal their disapproval with the banks $25 billion dollar annual hidden tax. The Credit Card Interchange Report: WayTooHigh.com is evaluating a proposal by consumers to launch this national campaign on November 25th to draw attention to the bank-owned credit card associations' interchange fees. The goal is to educate not impair commerce. Another immediate benefit is that by using cash, it will help shoppers better budget their spending."A Day Without Credit Cards -- A Day With Cash" was suggested by consumers and is independent from the co-editors of WayTooHigh.com, who are also lead plaintiffs in the credit card interchange litigation.The genesis for this consumer initiative began at Irvine, CA-based 30 Minute Photos Etc. "Growing numbers of our retail customers began paying with cash and writing checks because most were familiar with our role in the antitrust case.
They are even understanding the gimmicks and actual value of reward and affinity cards' games.
Several people asked if we could expand their individual protests onto a larger forum.
We explained that such action would have to come from consumer groups and trade associations," said Mitch Goldstone, co-editor of The Credit Card Interchange Report: WayTooHigh.com. [http://www.WayTooHigh.comGoldstone explained that he is against consumer boycotts, but as a well-known entrepreneur and consumer advocate he said "this pro-consumer, pro-commerce initiative has great merit."Implementing "A Day Without Credit Cards - A Day With Cash" is very simple, just chose cash or checks.
Doing so will draw extensive attention and engage additional conversation in the mounting battle against credit card interchange fees.
While there has been widespread media attention centered on the billions of dollars in credit card interchange fees, many retailers and consumers remain unaware of the potentially crippling effect it has on our economy. Even oil company executives pointed fingers at the banks, proclaiming that their results were even higher (ExxonMobil just announced sales of more than one-billion dollars a day).Other nations have actually regulated these fees; in Canada the interchange fee for debit cards is zero, yet their PIN network is the preferred method to transact business. When writing checks there is also no interchange fee, yet in the United States, that fee can equate to more money than the actual profit on a sale.Many merchants are unaware that when they swipe a debit card as a credit card transaction they are charged as if it was a credit card. While the consumer has the funds immediately withdrawn from their account, the retailers can pay upwards of 2.5%, rather than just a flat fee. On a $1,000 transaction, those debit cards can cost a merchant $25.00, rather than just .50 - .75 cents.Ecommerce businesses would be exempt from "A Day Without Credit Cards -- A Day With Cash." The goal is not to harm any merchants.
Online businesses are already most impacted because most of its business is transacted by credit cards. For instance, 30 Minute Photos Etc., also operates 30minphotos.com, a national online boutique photo service where one-hundred percent of its transactions are credit card based.30 Minute Photos Etc. is lead plaintiff in the class-action antitrust litigation against named defendants, Visa USA Inc., MasterCard International, Inc., and major banks including, Bank of America, JP Morgan Chase, Capital One Bank, Citigroup, MBNA America Bank, N.A., Providian National Bank, and Wachovia Bank, N.A.Contact: Mitch Goldstone, co-editor, The Credit Card Interchange Report: WayTooHigh.com, email:
CorpCommunications (@) 30minphotos.com, 949-474-7654, website: http://www.WayTooHigh.com..
WHY PAY YOUR SOCIAL SECURITY TAXES?
Why pay your social security taxes? It is important to pay your social security taxes in order for you to earn your social security credits. These social security credits can help you and your family qualify for the various benefits provided by the social security like disability and survivors' insurance coverage. These benefits will cover you whether you are working for an employer or whether you are self-employed. Aside from the disability and survivor benefits, there are also the retirement benefits as well as the Medicare protection that covers not only you but also your whole family. The Medicare protection is especially helpful during times when you or your family is in need of an operation or hospital confinement.
Moreover, the Medicare protection is available up to your age 65. In cases wherein you become disabled, the social security has disability benefits that will cover your expenses for up to one year or may be longer depending on the severity of your condition. Through...
WHY PAY YOUR SOCIAL SECURITY TAXES?
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Protect Yourself From Scams - Do a Little Homework!
SCAM - - a fraudulent or deceptive act or operation...We are all afraid that some business we get into mightturn out to be a scam. But sometimes the personal needsof individuals outweigh the thought process needed torecognize that something could be fraudulent. Many peopleare looking for ways to make extra money and the Internetcan provide many ways to accomplish that need. But it canalso provide an easy vehicle for individuals to losetheir hard earned dollars.We recently did some research on a program that we wereinterested in and found that the entire operation wasquite questionable. While we couldn't prove that it wasoutright fraudulent at this point, we saw enough risksto say no, we are going to put up any money.
We alsoadvised the 90+ people who joined based on our referraland most have told us that they are passing it up too.Sometimes all it takes is to do a little checking on yourown behalf. Sure it takes time but if you invest a littleof that time up front you may save...
Protect Yourself From Scams - Do a Little Homework!
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The Perfect Gift for Our Customers
It's the holidays again and we all want to do something for ourcustomers, right? We want to let them know how much weappreciate them and their business, and we want to wish them andtheir families a wonderful holiday season. Mostly, though, we'dlike to score some big points so they will continue to be ourcustomers! (Maybe we're just afraid we'll look stupid if wedon't do anything at all?)What to do for them? Buy a gift they may or may not want orneed? Wine? Maybe they don't drink. Candy? Maybe they arewatching their weight. Calendars? Desk stuff? When's the lasttime that you received something like that from someone that youdo business with? Did you like/want/need/appreciate it? Myguess is "No". So what can you do that everyone will appreciatewithout breaking the bank?Consider this: donation cards.
I have used this concept withgreat success. Here's what worked for me.Print post cards that are self-addressed/postage-paid on oneside. On the other side put a holiday message to the...
The Perfect Gift for Our Customers
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The Gamers Corner Offers Video Game Lots in Wholesale for the Playstation 2 and Xbox Video Game Systems, At Discounted Prices, in Time for Holiday Season
(ContentDesk via ContentDesk Direct) November 7, 2005 -- The Gamers Corner (www.thegamerscorner.com) offers video games in wholesale lots for the Playstation 2 and Xbox video game systems, at discounted prices, in time for the holiday season. In celebration of the holiday season the company is also offering free video games for the PS2 and Xbox via their weekly quiz.The Gamers Corner, wholesale video game distributor, offers wholesale video games to the Public and Business Sector alike, in wholesale lots ranging from 10 - 5,000 video games per lot. The Gamers Corner has become well known as the premier wholesale video game distributor of all video games both on the internet and eBay. The Gamers Corner, www.thegamerscorner.com and eBay ID rhonna24, is a distributor and supplier of wholesale video games for every video...
The Gamers Corner Offers Video Game Lots in Wholesale for the Playstation 2 and Xbox Video Game Systems, At Discounted Prices, in Time for Holiday Season
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Having Difficulty Writing A Compelling Offer? Click On A TV Infomercial!
Yes it's true. Everything I ever needed to learn about assembling a compelling offer, especially telling the difference between features and benefits, I learned from TVinfomercials!Now, just give me a second here.Remember when you first started learning how to write copy? Whether for a classified ad or a sales letter, it was drummed in that it had to be a 'compelling offer,' heavy on benefits, not features. But, telling the difference between benefits and features, plus putting together the offer in a convincing way, was a bit tough.Then, late one night, I stumbled (clicked?) onto a secret treasure trove of ideas, that I've continued to use to this day.If you want to hear benefit-laden offers presented in a emotional and compelling manner, just watch the infomercials!Note how they effectively use the following (think you could incorporate any of these in your offers?):*Testimonials. The participants describe the products used on a very emotional level. Because they took a chance and...
Having Difficulty Writing A Compelling Offer? Click On A TV Infomercial!
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ABN Amro EVP Murray & NetDeposit CEO Buchanan to Speak Sept. 8 at New York Cash Exchange
Salt Lake City, UT (ContentDesk) August 22, 2005 -- NetDeposit, Inc. (www.netdeposit.com), an innovator in Check 21 software and leading provider of franchise-building software solutions for the financial industry, today announced Ms. Cindy Murray, EVP of ABN Amro and Mr. Danne Buchanan, CEO of NetDeposit, Inc. will present "Taking advantage of Check 21? What is next?" at the New York Cash Exchange conference and exhibition to be held at the New York Marriot Marquis, New York, NY (http://www.tmany.org/conference.htm) on Thursday, Sept.
8 from 9 a.m. ? 10 a.m.Traditionally viewed as a way for banks to reduce the risk of moving paper checks around the country, companies are realizing they too can take advantage of the new Check 21 legislation. Check 21 presents not only new opportunities for corporations and merchants to expedite the clearing of checks, but opportunities...
ABN Amro EVP Murray & NetDeposit CEO Buchanan to Speak Sept. 8 at New York Cash Exchange
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Getting Stains Out of Your New Rug
Most of us have stained a carpet at one time or another. Food, juice, paint, kids, pets--these are just a few of the hazards that beset many poor carpets. Fortunately, there are a number of ways to combat and remove tough stains. Be sure to test an unseen corner of your carpet before trying any of the following solutions to make sure that the solution works for your carpet and doesn't hurt the color or fabric. Here are a few of the most common stains and ideas for removing them:
Checks vacuum cleaners More Banking Troubles; "Black Friday" Busiest Shopping Day Without Credit and Debit Cards Getting Stains Out of Your New Rug
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Boost Your Education And Life With An Online Degree.
Obtaining an online bachelors degree can be a swift and easy way to further your career,prospects and life in general. But before you enroll, there are a few important points you need to know get your head around.Number one, you'll want to make ensure that the college that offers you a degree online is accredited. School and universities are accredited on a national or state level. This accreditation means that a relevant board of education has researched and approved the schools curriculum and...
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Adware - Is It Safe?
What is Adware?Adware is a software program that you install on your computerthat displays advertisements while the program is running,either as a banner within the program or as a popup. This canbe a good thing. It helps keep the program free or low-cost forthe end user.If the program displays random advertisements without gatheringinformation about your online activities, then it's consideredsafe or ethical. You'll see the same advertisements that everyuser of the program is seeing. And the...
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Ringtones – The Multibillion Dollar Business
(ContentDesk) October 9, 2005 -- Yet another years growth in the mobile ringtone market has confirmed its position as a major force in the music industry. Once considered a passing craze, ringtones now account for more than 10% of the global music market and are overtaking CD sales sooner than expected. Few thought that the monophonic tones of the late 1990s would evolve into the multi-billion dollar market that exists today. But, following the advent of true polyphonic ringtones in 2003, the...
ringtones Checks More Banking Troubles; "Black Friday" Busiest Shopping Day Without Credit and Debit Cards Ringtones – The Multibillion Dollar Business
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Travel around Beautiful New Zealand with interactive 360? Photography and Sound
London, UK (ContentDesk) April 11, 2006 -- New Zealand 360? Virtual Visit gives potential travellers a great new way to prepare, enjoy and remember their next trip. This unique travel software uses highly interactive maps and breathtaking 360? photography to help travellers experience all the travel highlights of New Zealand as if they were really there.The 360? Virtual Visit covers both islands in detail allowing the viewer to:- Visit dramatic volcanic landscapes, caves and majestic mountain...
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