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�I wanted to know what you smarter minds thought of our failing economy and how you think we / what you think we should do to improve it. Small things, grand things - something for people to read outside of this and go ... Hnm... You know, that could work?

Here is something from my mind that Iapos;ve been mulling around and decided to finally ask you guys (Dani,�Phil, Alex).

Everytime you swipe a credit card/debit card there is a "transaction fee" to the company you swiped to.
You get gas at Shell.
You swipe.
That swipe takes 7 + 10 cents off of every gallon of gas you pump and gives it back to the credit card company as payment.
So you have to think, if they take that much from Shell - how much do they take per transaction, per swipe from other companies? Target? Wal-Mart?
You wondered why there was a minimum charge/swipe fee? This is why.
If you buy something really inexpensive and you canapos;t scrape the change together to make your purchase, so you swipe it. If itapos;s not enough money - the company you swiped from, just bought that item (in a round about way) for you. Obviously, you used your money - but they, in turn, spent more money paying the credit card company for your swipe, than you paid for your total purchase.




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