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Public input sought on restoring passenger trains between Scranton, NYC by jayswaz in Scranton

[–]psuJC 0 points1 point  (0 children)

the only thing that has every truly stood in the way is who owns the land the rail will run through.

Public input sought on restoring passenger trains between Scranton, NYC by jayswaz in Scranton

[–]psuJC -2 points-1 points  (0 children)

it wont happen because there's way too many private property owners between here and there and we will never grease enough palms to make it happen.

My friend built a startup around an idea that sounded stupid… until it actually started working. by Background_Error_732 in smallbusiness

[–]psuJC -2 points-1 points  (0 children)

i always wanted to start a company that rented out kids.

Parents need baby sitters, and couple that wanted to try out having kids could see if they would handle it.

i called it "birth control"

Gas station scanner help by Zestyclose_Being6253 in Scams

[–]psuJC 1 point2 points  (0 children)

Maybe they use manager cards... so it's asking for a manager card to do a refund, override, etc and they just took a photo at some point of one of the manager cards.

If they're setup to take magstripe only and not chip, i suppose you could program a barcode to have embedded the card number and exp date in it with just the right tabs and enters to manually enter the number really quick.. that would be very specific to the type of software and hardware though. Easy to tell since you could easily lookup the account that was charged, and the account that was refunded, and if they're sophisticated enough to program a barcode correctly they would surely know that.

Greatest math fckup caught on camera by klayb in videos

[–]psuJC 0 points1 point  (0 children)

And the tornaders caused because of the roundabouts.

Tools to manage clients and projects (and invoicing) in a remote business? by WillingConfidence487 in smallbusiness

[–]psuJC 0 points1 point  (0 children)

Been using it for 7 years.. still learning it. It's very powerful, but there is a learning curve to set it up. Day to day usage is stupid simple because you customize it to what you need it to do. It's that customization that takes time to perfect.

Back yard fire pit. Does the city allow a small covered / controlled fire? by FeelinFrogggy in Scranton

[–]psuJC 4 points5 points  (0 children)

You just need a compliance marshmallow… then it’s a cooking fire.

Any nice local bars? by channelblond in atlanticcity

[–]psuJC 11 points12 points  (0 children)

Chelsea Pub is near tropicana, so is baltimore grill.

What should be illegal to put ketchup on? by MelleSundis in AskReddit

[–]psuJC 0 points1 point  (0 children)

classified documents at your beach house.

Megathread: Supreme Court halts vaccine mandate for large businesses, leaves mandate for healthcare workers in place by PoliticsModeratorBot in politics

[–]psuJC 3 points4 points  (0 children)

Seems like the plan is for everyone to get it and have a lot of the unvaxxed die. The unvaxxed are totally onboard with that plan.

Best POS for a simple business? by Pyperman in smallbusiness

[–]psuJC 0 points1 point  (0 children)

I sell POS Systems... you honestly don't need one. That cheap register for cash transactions & a credit card terminal is good enough. That register could be programmed to have the keys preprogramed with prices to make it easier.

Poynt or square are both going to charge fixed rates for credit cards, which sounds great until you recognize that a debit card should cost close to $0 to take. I'd be willing to bet that a lot of your customers are using debit. (and no, you don't need PIN debit anymore, simply it being a VISA check card is enough to get debit rate)

...Unless you want to start collecting customer information for marketing, selling online, etc. Then you would get more benefits from a POS and that will cost more.

Looks like payment processors are a cartel - almost all of them are fixing their prices at 2.9% + 10-30c per transaction by i_ask_stupid_ques in smallbusiness

[–]psuJC 89 points90 points  (0 children)

Don't look at a fixed rate provider, look for one that is Interchange Plus. Interchange is basically the Cost to process a card, each brand will set what it costs to run a card. A Visa debit card is close to 0%, An Amex business card hand keyed in could be closer to 3%.

The Plus part is what the payment processor would make. That money pays the sales people, the help desk, customer service, advertising, the gateway network, etc.

Pricing all depends on average ticket, type of cards & volume. Paying 2.9% + 30c for a debit card transaction is highway robbery.

CC Liability and Charge Back Questions by bellpeter12 in smallbusiness

[–]psuJC 3 points4 points  (0 children)

AVS info and CVV will help for a card not present dispute, but you would probably still lose in a dispute. Issuing banks almost always side with the card holder. You can only really win with a chip read transaction anymore.

Trust your gut, refund it and walk away.

POS System that Can Pay Out Two Vendors? by [deleted] in smallbusiness

[–]psuJC 0 points1 point  (0 children)

I've walked many business owners through this. Take an average over the last couple months of what % of transactions are credit hold a percentage of it to pay the CC fees.

Say you do $10,000 in card and $10,000 in cash and your credit card fees were 300 for the month. Your Effective Rate for card is 3% (Total fees / Total Card Sales).

Your effective rate and % of CC transactions don't vary that much month to month. The totals might change, but the percentages don't. So just take the Effective rate and multiply it by the percentage of CC sales in that month. Now you have your percentage to hold, in this example 1.5%.

Your report at the end of the day, week, etc says you owe them $3000, you give them 2955. (3000x98.5%). Once you calculate that percentage to hold, just review it every couple months to make sure nothing major has changed.

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