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Assessing the Cost & Benefits of Credit Card
Loyola Consumer Law Review Volume 25 | Issue 1 Article 3 2012 Assessing the Cost & Benefits of Credit Card Rewards: A Response to Who Gains and Who Loses from Credit Card Payments? Theory and Calibrations Steven Semeraro Prof. Thomas Jefferson School of Law Follow this and additional works at: http://lawecommons.luc.edu/lclr Part of the Consumer Protection Law Commons Recommended Citation Steven Semeraro Assessing the Cost & Benefits of rC edit Card Rewards: A Response to Who Gains and Who Loses from Credit Card Payments? Theory and Calibrations, 25 Loy. Consumer L. Rev. 30 (2012). Available at: http://lawecommons.luc.edu/lclr/vol25/iss1/3 This Feature Article is brought to you for free and open access by LAW eCommons. It has been accepted for inclusion in Loyola Consumer Law Review by an authorized administrator of LAW eCommons. For more information, please contact [email protected]. Semeraro Article (Do Not Delete) 11/29/2012 12:27 PM ASSESSING THE COSTS & BENEFITS OF CREDIT CARD REWARDS: A RESPONSE TO WHO GAINS AND WHO LOSES FROM CREDIT CARD PAYMENTS? THEORY AND CALIBRATIONS Steven Semeraro* or two decades, economic and legal academics have F speculated about the impact of the fees that merchants pay for credit card acceptance. Since all customers pay the same price, the theory goes, everyone pays for the benefits that go only to credit card users. A recent Federal Reserve Bank of Boston (FRBB) policy paper written by economists Scott Schuh, Oz Shy, and Joanna Stavins entitled Who Gains and Who Loses from Credit Card Payments? Theory and Calibrations1 has taken the argument a step further, contending that credit card programs reduce consumer welfare by transferring money from low-income households that purchase goods and services with payment * Professor of Law, Thomas Jefferson School of Law. -
Securestar1.Pdf
discover the peace of mind that you will experience when choosing the protection provided by our SECURESTAR® program. protection that helps prevent loss due to check fraud including altered and counterfeited checks. With our SECURESTAR® line of products, we make it practical and affordable to protect every at-risk document issued by your financial institution. The Problem... CHECK FRAUD LOSS security features; each designed COUNTERFEITED CHECKS Check fraud loss in the u.S. continues to help in the fight against fraud: Check counterfeiting consists of year after year. This trend has been • Prismatic Backgrounds copying a valid check, without attributed to criminals having access • Padlock Icon authority or right, with the intent to to easy-to-use and affordable • Warning Band and Warning Backer deceive or defraud. The counterfeit technology such as personal • Microprint Signature Line check can be drawn on a legitimate computers, high-resolution scanners • High Resolution Border account or presented along with and laser printers to create realistic • Thermochromic Ink false identification. To protect fraudulent checks. They also use • Full Chemical Reactivity against counterfeit check fraud, chemical erasures to alter the checks • Invisible Fibers financial institutions may: and phony I.d.s to pass them. • Holographic Foil • Use a positive pay or reverse • Genuine Watermark in Paper positive pay program The best defense financial institutions • Holograms • Thoroughly review customer and commercial businesses can take • Toner-Fusing Paper -
Thanks to the 63 Families Who Have Bought Gift Cards This Year Our
4 Thanks to the 63 families who have bought Gift Cards this year our Prosperity Team Gift Card Sales profits have increased!! Since we re-started the program 11 weeks ago, your efforts have contributed approximately $870 to the General Fund. Buy $100 in Gift Cards each Sunday (any combination of cards) and help increase our Prosperity Team Gift Card income even more. The most difficult parts of the Program are to: #1 Remember to bring your checkbook on Sunday morning. #2 Remember to pay for your retail items with the Gift Card(s) you have in your wallet. How CUMC Makes Money with this Program: Our Church receives a 1% to 20% discount on all gift cards. For example, when you buy a $100 Safeway gift card (4% discount) CUMC gets $4! How to Buy Gift Cards: 1. Place your order in O-C Hall and write a check or pay cash. 2. Pick up your gift cards in O-C Hall that day (if in inventory). If not in inventory, pick up on the following Sunday. Green order sheets are for cards in our regular inventory (usually published in the bulletin each Sunday). White order sheets are for cards NOT in inventory GIFT CARDS REGULARLY KEPT IN INVENTORY* ON SUNDAY MORNING: Usually in Card Usually in Merchant Name Card Value Inventory Merchant Name Value Inventory Ace Hardware 4% $25 4 Raley’s/Nob Hill 4% $25 4 Amazon 3% $25 4 Raley's/Nob Hill 4% $100 2 ARCO 1.5% $50 6 Safeway 4% $25 12 ARCO 1.5% $100 5 Safeway 4% $100 12 Save Mart/Food Max/Lucky’s Bed Bath & Bey 7% $25 8 2% $25 8 Save Mart/Food Max/Lucky’s Best Buy 3% $25 4 2% $100 8 Burger King 4% $10 5 See's Candies -
Gilchrist Schools Receive an A
Serving Gilchrist County and Surrounding Area for over 89 Years 207 North Main Street, Trenton, Florida 32693 Phone (352) 463-7135 • Fax (352) 463-7393 $25.00 Digital Only, $25.00 Gilchrist County Price $30.00 Tri-County Area, $40.00 Out of Area Vol. 89 –– No. 8 www.gilchristcountyjournal.net Thursday, July 18, 2019 50¢ FDLE: Gilchrist Crime Rate up 75.8% SchoolSchool GradesGrades By Carrie A. Mizell the FDLE crime report shows a Sheriff Schultz said his department Gilchrist County residents realize The Florida Department of Law discrepancy in his department’s has changed reporting systems twice that this is not Chicago,” Schultz Enforcement’s 2018 Uniform Crime reporting of accurate crime statistics. since 2016 and he knows that only said. “We live in a safe community. Report has found Gilchrist County’s “The numbers that were reported half of the 2017 crime statistics were Anyone who has questions about 2018-20192018-2019 overall crime increased 75.8 percent for 2017 were not as accurate as reported. The sheriff said he typically our crime numbers, come sit and from 2017 to 2018. According to they should have been,” Schultz feels that the FDLE Uniform Crime talk with me, I can show you the real FDLE, robbery was down, while explained. “Whether it was computer Report gives a good representation numbers.” SCHOOL GRADE murder, rape, aggravated assault, or human error, only half of the of crime statistics in a county, but he In April 2018, local residents were burglary, larceny and vehicle theft numbers for 2017 got reported. We does not believe that the latest report rocked when two Gilchrist County was up in 2018. -
Payroll Bulletin 02-2009
Department of Accounts Payroll Bulletin Calendar Year 2009 December 23, 2008 Volume 2009-02 In This Issue of 9 Change in Pay Card Procedure The Payroll Bulletin is published 9 Utility Field for Pre-Tax periodically to provide CIPPS agencies the Payroll guidance regarding Commonwealth payroll Deductions operations. If you have any questions about Bulletin….... 9 Fringe Benefit Expenditure Codes the bulletin, please call Cathy McGill at (804) 371-7800 or Email at for Severance [email protected] 9 Savings Bond Annual Purchase Limits State Payroll Operations 9 Military Pay Taxability Change Director Lora L. George Effective 1/1/2009 Assistant Director Cathy C. McGill Change in Pay Card (EPPICard) Procedure New Prenotes for direct deposit accounts were eliminated in December, 2006 with the Recommended exception of prenotes for deposits to the EPPICard. The purpose of prenoting the Procedure EPPICard account was to allow time for the actual card to be produced and mailed to the employee. There have been several instances when payroll funds have been deposited to a card not yet received by the employee because the agency was not notified that the card had not been received. To eliminate this problem, it is recommended that agencies institute a practice of requiring the employee to notify the payroll office when the card has been received. It is also recommended that the direct deposit deduction should not be established on H0ZDC until the agency is notified that the employee has received the card. Once notified, the agency should establish the deduction and override the automatic prenote by changing the last position of the utility field to a zero. -
Participating Retailers 11/18/2020
Participating Retailers 11/18/2020 Store Name Card Type Rebate Store Name Card Type Rebate Store Name Card Type Rebate 1-800-Baskets ($50, E) 12% Bahama Breeze ($10, $25, $100, 8% Bravo Cucina Italiana ($25) 12% R, E) 1-800-Flowers ($50, E) 12% Brenner's Steakhouse ($25, $100, R, E) 9% Baja Fresh ($25) 10% 76 Gas ($25, $100, R) 1.5% Brick House Tavern & Tap ($25, $100, R, E) 9% Banana Republic ($25, $100, R, E) 14% 99 Restaurants ($25, E) 13% Brio Tuscan Grille ($25) 12% Bar Ramone ($25, $100, E) 12% Aba ($25, $100, E) 12% Bruegger's Bagels ($10) 7% Barnes & Noble ($5, $10, $25, 8% $100, R, E) Abercrombie & Fitch (E) 5% Bub City ($25, $100, E) 12% Barnes & Noble College ($5, $10, $25, 8% AC Hotels by Marriott ($100, E) 6% Bookstores $100, R, E) Bubba Gump Shrimp Co. ($25, $100, R, E) 9% Baskin-Robbins (E) 2% Academy Sports + Outdoors ($25) 4% Buca di Beppo ($25, E) 8% Bass Pro Shops ($25, $100, E) 10% Ace Hardware ($25, $100) 4% Buckle ($25, E) 8% Bath & Body Works ($10, $25, R, E) 12% Acme ($10, $25, $50, 4-6% Budget Car Rental ($50) 8% $100, R) Beatrix ($25, $100, E) 12% Buffalo Wild Wings® ($10, $25, R, E) 8% adidas ($25, E) 13% Beatrix Market ($25, $100, E) 12% Build-A-Bear Workshop ($25, E) 8% Advance Auto Parts ($25, $100) 7% Bed Bath & Beyond ($25, $100, E) 7% Buona Beef ($10) 8% aerie ($25, E) 10% Beechwood Inn & Coyote Cafe' ($25) 5% Burger King ($10, R*, E) 4% Aeropostale ($25, R*, E) 10% Bel-Air ($25, $100) 4% Burlington ($25, E) 8% Airbnb (E) 5% Belk ($25, $100, E) 8% Burlington Shoes ($25) 8% Alamo Drafthouse Cinema (E) 8% -
IN-STOCK Gift Card Form-March2021.Pages
SPS IN-STOCK GIFT CARD ORDER FORM - SPRING 2021 Name: Dayme Phone: HOLD FOR PICK UP AT SCHOOL OFFICE Child’s Name: Room#: Family to be Credited: Date: ➢ DROP OFF ORDERS at school office or any .me in the drop box at the main entrance of school. ➢ PICK UP ORDERS will be fulfilled the second and last Wednesday of each month. • Due to limited quanes, orders will be first come, first served unl inventory is depleted. • Complete form and submit to school with your payment – check or money order made payable to ST. PHILIP PTG. • If gi@ cards are backordered due to low inventory, you will be contacted at the phone number given above. • Check your order for accuracy. Inaccurate orders will be returned unprocessed. • All Sales Are Final – No Exchanges – No Refunds – No ExcepAons • FRQ % is subject to change. GIANT EAGLE GIFT CARDS CARD AMT FRQ AVAILABLE ORDER QTY TOTAL COST GE $10 5% 4 Giant Eagle gi cards can be used to purchase anything at Giant Eagle, Market District or GetGo loca.ons – INCLUDING GE $100 5% 11 gas, alcohol, and any of the more than 200 third party retailer GIANT EAGLE TOTAL: gi@ cards in-store. Plus, you will also earn fuelperks! RETAIL GIFT CARDS RETAILER CARD AMT FRQ AVAILABLE ORDER QTY TOTAL COST Bath & Body Works $25 12% 15 Kohl’s * $25 4% 34 Walmart/Sam’s Club $25 2.5% 23 RETAIL TOTAL: * Can be used to pay on charge accounts RESTAURANT GIFT CARDS RETAILER CARD AMT FRQ AVAILABLE ORDER QTY TOTAL COST Darden * $10 8% 2 Darden * $25 8% 4 Eat N Park $10 9% 18 Panera Bread $10 8% 4 Pizza Hut $10 8% 22 Rockefellers $10 10% 40 Wendy’s $10 6.5% 3 RESTAURANT TOTAL: * Darden cards can be used at OLIVE GARDEN, LONGHORN STEAKHOUSE, BAHAMA BREEZE, and RED LOBSTER GIFT CARD COMMITTEE USE ONLY Order filled by: □ Order Complete Amt Filled $ ____ Amt Pending $ _______ Rev. -
Subway Store Number Receipt
Subway Store Number Receipt Benzoic Iago rivetting no chaplainry clang unamusingly after Aube cribs goddamned, quite patchiest. Demonstrative Harald birds Mondays. Complicatedly Nepalese, Don cogitates memorials and islands articulator. Kinda a store. You should check all promotions of interest at the merchant website before making a purchase. Use of your receipt to. Sweepstakes Rush is the best free online sweepstakes website that offers great prizes to win for free such as cars, cash, home, laptop and other exciting prizes. Start the subway with a paid. Select receipts for subway store number of. How do by order? Definitely a way that by the stored orders need proper managing to any grocery purchase at least nutritious choices for the post to understand! He shared a receipt and rice are occurring in store subway receipt number or the total misc. Restaurants in store number for me to get rewarded when a points to basic statistics via email for. Walk away pointing the exit door. Your question was published, help is on its way! Earn points with online activities. They also determined David Johnson also used his mobile phone outside the bank at the time of the robbery. Order number when i thought it was in subway store number or any info stored orders that? What Happened to Monday. Fact that accept ebt cards can i make sure does the family of store subway number receipt on that i comment us notify you can points. When I came back home I called and complained to a manager name Bobby and he said he will take care of it. -
Merchant Services Program Terms and Conditions
Merchant Services Program Terms and Conditions (Program Guide) PREFACE Thank you for selecting us for your payment processing needs. Accepting numerous payment options provides a convenience to your customers, increases your customers’ ability to make purchases at your establishment, and helps speed payment to your account. These Program Terms and Conditions (“the Program Guide”) presents terms governing the acceptance of Visa,® MasterCard® and Discover® Network Credit Card and Non-PIN Debit Card payments. The Program Guide also includes provisions applicable to American Express® and Other Services. Other Services include all services related to: JCB® Card, PIN Debit Card, and Electronic Benefits Transfer payments, and acceptance of Cards from other Non-Bank Card Organizations such as Voyager Fleet Systems, Inc. (“Voyager”), Wright Express Corporation and Wright Express Financial Services Corporation (collectively, “WEX”). Your Merchant Processing Application will indicate the types of payments and Services you have elected to accept. This Program Guide, your Merchant Processing Application and the schedules thereto (collectively, the “Agreement”), contains the terms and conditions under which Processor and/or Bank and/or other third parties will provide services to you. We will not accept any alterations or strike-outs to the Program Guide and, if made, any such alterations or strike-outs shall not apply. Please read this Program Guide completely as it contains important information. You acknowledge that all Services referenced in the Agreement may not be available to you. IMPORTANT INFORMATION ABOUT BANK’S RESPONSIBILITIES: Discover Network Card Transactions, American Express Card Transactions and Other Services are not provided to you by Bank, but are provided by Processor and/or third parties. -
GO DIGITAL! Catalogue
GO DIGITAL! culture at your fingertips 1 CATALOGUE All proposals contained in this catalogue have been developed by six or- ganizations – members of the Strategic Partnership “Go digital! Culture at your fingertips” – between September 1st, 2016 and November 30th, 2017. The project has been funded with support from the European Commission. This catalogue reflects the views only of the author, and the Commission cannot be held responsible for any use which may be made of the informa- tion contained therein. TABLE OF CONTENTS 1. Seniors 7 2. Teaching digital skills to seniors 11 3. Activities: 15 Social togetherness 16 Seek and find 18 Search for a cultural event 20 Book and pay for a cultural event 24 Smart art 28 Let’s create an e-book 30 Kahoot quiz 32 Digital memory album 34 Compose & Play: the sound of the city 38 The new me - a photomontage 40 Animation - not for kids 42 4. Evaluation 45 5. Glossary of terms 51 6. Partners 69 6 SENIORS 7 SENIORS Inhabitant structure of the European Union is changing and growing older, which means that older population is becoming more and more important. This is also influencing the labour market, families and individuals. We cannot clearly define the line between middle age and senior period, because it does not have the same meaning in all societies and because getting old is a process of biological, psychological and social changes. However, we can define a person as a senior citizen when something changes in their activities or in their role in the society, for example when they become grandparents, when they retire, or when they reach a cer- tain age. -
University Family Guide
UNIVERSITY FAMILY WHAT TO EXPECT | EVERYTHING YOU ’ VE ALWAYS WANTED TO KNOW | RESOURCES 1 UNIVERSITY FAMILY TABLE OF CONTENTS 3 LETTER FROM THE PRESIDENT 4 MISSION STATEMENT 5 CONTACT INFORMATION 6 ACADEMIC CALENDAR 8 GUIDING PRINCIPLES AND BENEDICTINE VALUES 10 HISTORY OF SAINT MARTIN’S 12 SERVICES FOR STUDENTS 28 TIPS FOR FAMILIES 30 WHAT TO EXPECT 34 WHAT CAN PARENTS DO? 35 WAYS TO STAY IN TOUCH 36 WAYS TO COMMUNICATE WITH YOUR STUDENT 39 RESOURCES FOR FAMILIES OF A COLLEGE STUDENT 40 THE BUCKLEY AMENDMENT STATEMENT 2 Family Guide Dear Families, Welcome to Saint Martin’s University! The families TABLE OF CONTENTS of our students are important members of our educational community — a community founded on the 1,500-year-old Benedictine traditions of hospitality, respect, service and stewardship. Driven by these values, the faculty and staff of Saint Martin’s are dedicated to the success of each student, both inside and outside the classroom. You play an important role in your student’s transition to the “Saint Martin’s Experience.” The transition to a new campus environment may be a challenge for him or her. It may be challenging for you as well, as your child may no longer rely on the daily guidance you have been providing for so long. Our community will support your student to become a strong and independent individual, while ensuring that he or she continues on the path you have worked so hard to pave. In doing so, we pledge to you that we will be open and welcoming to your questions and need for information. -
Total Choice Card 200+ Gifts on One Card
TOTAL CHOICE CARD 200+ GIFTS ON ONE CARD Give the gift of choice with one simple gift card that allows your recipients to pick from hundreds of retailers. Total Choice helps you thank and reward your employees and customers while also simplifying your organization’s gifting program. Customize your cards with a logo or theme to make them uniquely yours. TOTAL CHOICE CARD One gift card can have it all. With the Total Choice card, recipients will have the final say when it comes to choosing their gift. Starting as low as $5 and with hundreds of leading retailers represented, the eGift Card platform boasts cards for the world’s best-known brands — like Amazon, Target, Walmart, The Home Depot and more. TREAT YOURSELF CARD PIZZA PARTY CARD A little treat goes a long way. This gift is Pizza is a gift that everyone can enjoy. great for a quick coffee, beverage or snack Great for employee gifting, holidays, from popular stops like Starbucks, Panera, birthdays and leave behind gifts. Includes As Low as $5 Burger King, Dunkin’ Donuts and more. As Low as$15 Domino’s, Papa John’s, Papa Gino’s, Pizzeria Uno, and more. LUNCH BREAK CARD NIGHT OUT CARD Endlessly appealing, this reward is perfect Built around the quintessential date for “Lunch and Learns”, employee gifts and night, this gift is great for customers and customer appreciation. Includes Chipotle, employees alike. Includes options like As Low as $10 Panera, Burger King, Domino’s and more. As Low as $25 Fandango, Darden Restaurants, Paint Nite, Stub Hub, Dave & Buster’s and more.