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Guest American Woman
Posted (edited)

US pennies simply are no longer legal tender. We mail them back to the USA I suppose.

Yeah, that would be cheap. You'd save a lot of money doing that. :P

But why wouldn't we be able to destroy USA pennies? It isn't against Canadian law. And American law does not apply.

I didn't know it was against American law to destroy USA pennies. I guess I best hide out from the feds! :D

Edited by American Woman
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Posted

Sorry, store has a policy where you must buy a certain amount to make a credit card purchase. Because the credit card companies charge the store a fee per transaction.

That's debit cards. Credit card companies take a percentage of the sale.

Guest American Woman
Posted
GostHacked, on 29 March 2012 - 05:33 PM, said: Sorry, store has a policy where you must buy a certain amount to make a credit card purchase. Because the credit card companies charge the store a fee per transaction.

That's debit cards. Credit card companies take a percentage of the sale.

"In addition to the percentage that a credit card company takes for each transaction, many charge flat fees for each processed credit card transaction."

What Do Credit Card Companies Charge Merchants?

Posted

Very true...I always shit can Canadian coins that end up in my pocket! ;)

They jam coin counting machines at the bank.

As a young kid, I shoved several dollars worth of Canadian quarters into a Seattle Coke machine before finding that gem out. Weights were different. Never did get that Coke...

Pennies do have one great point though...the date on them. Very old pennies are still fairly common...little time travelers. I have a box of them from the 30s and 40s.

Posted

Pennies do have one great point though...the date on them. Very old pennies are still fairly common...little time travelers. I have a box of them from the 30s and 40s.

Some people are hoarding copper (not zinc) pennies. Here is an exciting way to sort that pivotal US cent year of 1982:

Economics trumps Virtue. 

 

Guest American Woman
Posted

Pennies do have one great point though...the date on them. Very old pennies are still fairly common...little time travelers. I have a box of them from the 30s and 40s.

That's what Americans for Common Cents say. :) I agree.

A lot of charities don't want to see the penny disappear either, because people will save their pennies for that purpose - and it adds up.

Posted

That's what Americans for Common Cents say. :) I agree.

A lot of charities don't want to see the penny disappear either, because people will save their pennies for that purpose - and it adds up.

Very good point. I've often dumped all my collected pennies from the car ashtray into one charity bin or another.

Posted

Not at those interest rates,which border on usury...

Which is why you pay it off on time like a responsible adult. CC's aren't a long-term loan. Open a Line-of-credit if you want that.

Posted

Which is why you pay it off on time like a responsible adult. CC's aren't a long-term loan. Open a Line-of-credit if you want that.

Thanks for the pertinent finacial advice....I run a credit on my credit card,by the way...

And I have a line of credit...

I pay with cash,son...

The beatings will continue until morale improves!!!

Posted

Thanks for the pertinent finacial advice....I run a credit on my credit card,by the way...

And I have a line of credit...

I pay with cash,son...

Just sayin' if you have the funds to pay off your CC bill there isn't really a downside as most provide nice rewards.

I find having lots of cash on you gives one incentive to spend it on stupid stuff easier if you have to whip out a card.

Not saying I don't use cash, just not a lot.

Posted

US pennies simply are no longer legal tender. We mail them back to the USA I suppose.

But why wouldn't we be able to destroy USA pennies? It isn't against Canadian law. And American law does not apply.

They are going to take the penny out of circulation like they did with the one dollar bill and melt down the metals.

Posted

Just sayin' if you have the funds to pay off your CC bill there isn't really a downside as most provide nice rewards.

I find having lots of cash on you gives one incentive to spend it on stupid stuff easier if you have to whip out a card.

Not saying I don't use cash, just not a lot.

In the words of the Georgia Satellites....

"I got a little change in my pocket,goin' jing-a-ling-a-ling..."

Funny...I've got the same $60 in my wallet I had last Sunday...

The beatings will continue until morale improves!!!

Posted

They are going to take the penny out of circulation like they did with the one dollar bill and melt down the metals.

Well, yes and no. The penny, if I understand correctly, will be around for years to come, as it will still be used until it's all gone.

Posted
Well, yes and no. The penny, if I understand correctly, will be around for years to come, as it will still be used until it's all gone.
The key change is businesses are not legally required to accept or give change in pennies. This will make the penny useless faster than taking them out of circulation.
Posted

The key change is businesses are not legally required to accept or give change in pennies. This will make the penny useless faster than taking them out of circulation.

I have a pretty big supply. I'll keep using them to give change until their gone, I guess.

Posted

http://www.budget.gc.ca/2012/themes/theme2-eng.pdf

The pamphlet explains it better than I ever could.

So what happens to Peter Frampton's song, "Penny for Your Thoughts"? Does it's name change? Or the Beatles' "Penny Lane". Or "Penny's From Heaven".

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Posted

I don't have an issue with this as long as things are rounded up or down fairly.

Same. I hate pennies. Women, with purses and better means to carry pennies, probably dislike them a bit less.

They'll round up or down depending on the final after-tax price, and they can't predict how many or what items people buy in total at their store for the most part, so they won't really be able to manipulate prices by pegging them at a price to always round up from say 9.95 or 9.96 to $10. The exception might be companies that usually only sell one item at a time, ie: cars, but then who cares lol. But services (ie: haircuts, oil changes etc.) could manipulate their prices like this to take advantage.

"All generalizations are false, including this one." - Mark Twain

Partisanship is a disease of the intellect.

Posted

I haven't heard if they are, I have about 15 dollars worth

When I was a kid my dad bought me a new bike at Canadian Tire with all of his saved up Cnd Tire money. The bike was almost $100, and the cashier looked mighty PO'd she had to count all that money up AHAHAHAA!! It was such an epic wad of Cnd Tire money.

And yes, they're getting rid of the money, I don't think they give it out anymore.

"All generalizations are false, including this one." - Mark Twain

Partisanship is a disease of the intellect.

Posted

When I was a kid my dad bought me a new bike at Canadian Tire with all of his saved up Cnd Tire money. The bike was almost $100, and the cashier looked mighty PO'd she had to count all that money up AHAHAHAA!! It was such an epic wad of Cnd Tire money.

And yes, they're getting rid of the money, I don't think they give it out anymore.

They gave me some yesterday.

I question things because I am human. And call no one my father who's no closer than a stranger

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