I have multiple reasons to be happy this morning...One, my camera kicked back in and I got a few pictures of my checkbook covers to show you! Two, I received a blog award!
I hope everyone had a nice Valentine's Day...ours was very laid back...in fact, it was so laid back that Mark spent much of the day at my in-laws and I worked and made a wallet delivery to Suite 116 in DePere--and my camera held out, so stay tuned for a profile of this fun shop.
I love the checkbook covers and I was determined to go to Arti-Gras well stocked. I did and for once I didn't have to say, "I'm sorry, I only brought five and they're gone". I had a whole slew.
It's odd, I never carry a checkbook anymore. I use my debit card, but it seems that many people don't. A few women said they don't carry their checkbooks either, but they want to keep it in something pretty for when they pay bills. Either way, I'm super thrilled at how popular they are.
Mark thinks the cord looks unfinished and likes these better, but I like them plain...though maybe I'll add beads and buttons to some.
More and more, I'm seeing "Sorry No Checks" signs around. Are you? I understand. For a retailer taking a check is always a risk, but at the same time, accepting credit cards and debit cards can be expensive...the processing fees are fairly high.
I like Karen's idea of using only cash for local shopping during the holidays. Her money stayed in the community and by using cash, she saved our local shops from paying the transactions fees for each of her purchases.
Did you know that small retailers pay an average of 2.5 percent of your purchase in fees and an additional average .20 cent transaction fee when you use a credit or debit card? Some pay as much as thirty-five cents just on the set fee!
So, if you buy a book for $12.00 from your local Indie bookseller here's how it breaks down.
$12.00 book (books usually have a modest mark-up of 40%)
Minus 2.5% percentage fee of .12 cents: $4.68
Minus .20 cent transaction fee: $4.48
Total profit on sale is $4.48 and this does not take into consideration the staffing, overhead, shipping (small retailers can't order enough to get free shipping like the big guys) and incidentals like the bag and bookmark etc. If you pay cash on a $12.00 book, you save the retailer thirty two cents minimum...which doesn't sound like a lot, but if they sell one hundred $12.00 books a week, that's $32.00 and pays a staffer for a couple of hours. And we all know that most books are more than $12.00.
I truly don't mean to be preachy, because I'm guilty of whipping out the debit card, but I do think cash is the best way to go when you have it.
OK...Now for the award!
The Kreativ Blogger Award from Emiko. I urge you to check out this post where she shows a sample of her knitting...I never knew that hand-knit items could be so detailed...which shows you that I don't knit, but I was so impressed by the detail of her first two-strand project.
The rules state that I must pass this along to seven bloggers, but I'm going to go with three because I also received a tag from Ambika that I will be doing soon--so here it goes to three great women:
To Dyan-she just moved from Jamaica to Canada and hasn't been posting much. Maybe this will encourage her to share more about her new place and life.
To Amanda-she's also goes on and off the radar for a long long time...maybe this will keep her out for another post. Plus, she gave me my first award...The Rockin' Girl Blogger Award!
To Susan-because like Michelle and Emiko, she was one of the very first Kitchenettes and is always so supportive.
So, congrats to you ladies and here are the rules--which you only have to follow if you truly want to.
1. Copy the award to your site
2. Link to the person from whom you received the award
3. Nominate 7 other bloggers
4. Link to those on your blog
5. Leave a message on the blogs you nominated.
OK...I'm signing off for the day, but will return because I soooooo want to share Suite 116 with you! A short (who am I kidding?) new post will be appearing on Sweets For The Sweets in a moment.