#Trust | Businesses | Communities

[xtruss]

Finance: Credit Card Surcharge Guidance Set To Start In New York

— By Damon Fletcher | February 6, 2024

Rochester, N.Y. (WROC) — There is a new guidance for New York State businesses when charging an additional fee to customers paying with a credit card, starting on February 11.

This new guidance comes after Governor Kathy Hochul signed into law Assembly Bill 2672 in December, which imposes disclosure requirements with respect to credit card surcharges for transactions with New York customers.

“Transparency is crucial in building trust between businesses and communities and now patrons will be empowered to budget accordingly,” Governor Kathy Hochul said.

The New York Department of State also provided a list of dos and don’ts:

DO:

The business lists the higher credit card price next to a lower cash price.

The business lists the credit card price for items and services, then lets customers know they will receive a discount for using cash.

The business changes all prices to the credit card price.

DON’T:

The business posts a sign on the door and at the register stating an additional 3.9 percent surcharge will apply for credit card purchases.

“This business has a 4 percent cash discount incentive built into all pricing. Any purchases made with a credit or debit card will not receive the cash discount and an adjustment in cost will be displayed on your receipt.”

A convenience fee, service fee, administration fee, non-cash adjustment, technology fee, processing fee, etc., is charged to credit card users and added as a separate line item on a customer receipt.

The price tag of an item shows “$10.00, + 4 percent if paying with a credit card.”

Vendors will be required to post the highest price that consumers might pay when using a credit card, along with the price that is offered when the customer uses another payment method such as cash, check, or debit card.

Any surcharge must be no more than the amount charged to the business by its credit card provider.

Failure to do so can lead to a $500 penalty after every violation.

Local businesses continue to take and utilize credit card usage. Some businesses that spoke to News 8 that their customers’ credit card usage is about 90%.

For Three Heads Brewing’s taproom, that figure amounts to about 70%, but the president of the company, Daniel Nothnagle, says that credit card surcharges still cost the brewery $1,500 – $2,000 a month.

“We’ve always looked it as a necessary evil, we all like using credit cards, I use them myself for all my purchases, so no one wants to see extra fees, so we’ve always rolled it into the cost of products at the bar, we can afford to cover the cost of the surcharge,” he said.

He added a bulk of that surcharge is businesses footing the bill for credit card rewards programs.

[royalarchivist]

Bad: I don’t think people understand the effect QSMP had on some of the streamers in terms of like… The real raw mental impact, so I’m gonna set the stage for you. [...] Imagine that you were given a friend to play Minecraft with — like your best friend — BUT if this person dies, if they die in the game, you never get to talk to them again. Can you imagine what that’s like?

Bad: If you did not live through the QSMP, if you did not live through that, it almost sounds like, crazy. But I don’t think people realize how much of a joyous experience the Eggs were. They were SO awesome! They were literally so awesome to just hang out with and spend time with.

Bad: I’m not saying I regret it. To this day, I loved the experience. I’d do it all over again in a heartbeat. Even knowing how everything went, I would still do it all over again. [...] I would still do it all over again, because — even knowing like, all the trauma and suffering and stuff like that — because it was just… It was just that fun, it was just that fun.

Earlier today during his stream, Bad shared his experience and thoughts about the Eggs and the significant emotional (and traumatic) impact they had on him and his fellow QSMP members.

This clip a very edited-down version since his commentary was ~13 minutes long, so I highly recommend checking out Bad's VOD if you have the time. (Timestamp: 47:36 - 1:00:14)

[ Full Transcript ↓ ]

———

Bad: To be fair Chat, I really think the QSMP... I don't think anyone really can relate to it, Chat. It's something that's so... I've told people this before, like– but it's hard to understand. Right? Like...

Where was I? Sorry Chat, I'm losing my train of thought. Look, let me explain Chat– here's the dealio, ok? Here's the dealio, and this is what I mean when I say like, it's important to keep this in mind, Chat. Ok? It's important to keep this in mind:

I don’t think people understand the effect that the QSMP had on like, some of the streamers, in terms of like… The real raw mental impact, so I’m gonna set the stage for you. This is the analogy I’ve given to every person who I’ve like, shared this with. Imagine you meet somebody– [He hears a strange noise] What the fudge was that? Did you hear that?

Anyway– Chip! The story I was just relaying to Chat, Chip, was this: I was sharing this story with them, I said–  I was giving them an analogy. 

Imagine Chat, for example, imagine that you were… playing Minecraft, with like– you were given a friend to play Minecraft with, Chat, like your best friend, and [unintelligible] were like, “Hey, you get to play Minecraft with this person, right? BUT if this person dies – they’re currently your best friend, Chip – but if they die in the game, you never get to talk to them again. Ever again.” Can you imagine what that’s like, Chip?

I don’t think a lot of people understand like, what that does, right? I’m not gonna say that like, it creates this situation, Chip, that like, messes with your head, but it– Chip – but it totally, totally does, Chip. It messes with your head! It literally puts you in a position where you’re second-guessing and thinking about everything, Chip! You’re thinking about EVERYTHING Chip! Ok? And that’s the problem, Chip– is you turn into a paranoid monster because of it, Chip! Like, you don’t understand Chip– I was- I was so afraid of every dirt block, I used to carry a shovel with me Chip, and I would specifically right-click dirt blocks that looked suspicious because mines, Chip– mines could not be shoveled! Like, I was crazy, Chip! But here’s the problem, Chip: that craziness is still there. I’m genuinely like–

I remember thinking Chip, that I would one day– I was like, “I’m going to move past–” here, let’s go up here, Chip. I remember thinking one day Chip, I was like, “I’m gonna move past the underground base, one of these days. You know, one of these days, I feel like I’ll be able to grow and achieve the desire to build a base that doesn’t have to be underground.” But I don’t think it’s possible now Chip, because I think… I just don’t know. I feel like the paranoia– there’s still like, residual leftover trauma from that situation, Chip.

But here’s the problem Chip: I don’t think I don’t think– I don’t think people understand it. Like, I just really don’t. But I also don’t blame them Chip, ‘cuz I don’t think it’s possible to fully understand it if you haven’t lived through it. Like, if you did not live through the QSMP… I’m talking about the QSMP, I don’t- I don’t know if that was obvious– if you did not live through that, it almost sounds like, crazy. But I don’t think people realize how much of a joyous experience like, the Eggs were. Right? I don’t think people realize it. Like, they were SO awesome! They were literally so awesome to just hang out with and spend time with, Chip. So, it’s just one of those things that–

[He’s interrupted by a loud rumble of thunder above them]

Did lightning just strike here? Is it thunderstorming out…? But anyway, Chip. That’s the food for thought.

But that’s the problem– Like, every time it rains in Minecraft, I have to like, look at the sky, and I get this weird, like, second--hand vibe because of the trauma. The trauma, Chip! The trauma is real! But that’s the point– I’m not saying I regret it. I, to this day Chip, I loved the experience. I’d do it all over again in a heartbeat. Even knowing how everything went, I would still do it all over again. 

[He falls down] Dangit, don’t come over here Chip, ‘cuz I’m coming back up! Ok.

I would still do it all over again, because — even knowing like, all the trauma and suffering  and stuff like that — because it was just… It was just that fun, Chip, it was just that fun. I really wi– I don’t think it’s ever gonna be possible, Chip, to give people that same energy, like that same experience. You know what I mean, Chip? I don’t think it’s ever gonna be possible again. Like, EVER.

Because… because like, one: I will say on one level Chip, I will say on one level, like– it’s sort of emotionally like… It’s emotionally devastating, and I think to actually go through that– and this is where like, if I ever do end up going to a– see a therapist, if I ever do end up going to see a therapist at any point, I’ll talk it over with them and be like, “Hey, what do you think about this?” Because I genuinely think on one level, like– it’s created this fear of forming attachments because of like, how things can go. You know what I mean? Like, the fear of getting attached to something and then potentially losing it. Like, it’s- it’s a genuine thing. I think people forget about that.

Like, at the end of the day, everything was RP, right? On the server. You know what I mean? Like, everything was RP, Chip. BUT at the same point, even though it was RP Chip, it was still like– there the reality of you were still playing like, with another person, and you were still getting that experience, and it felt like you were genuinely attached to someone and you didn’t want anything bad to happen to them. It was GENUINELY stressful, Chip.

But at the same point, I don’t regret it, and I don’t think it was a bad experience. I’m– 

Sometimes in life Chip, you go through stuff, and maybe you have a certain amount of like, things that like, can happen, that you’re like, “You know what, maybe this wasn’t a good thing that this happened,” but at the same point, you still aren’t necessarily upset about it, because… it’s like growing as a person, right? Here’s the thing Chip; even bad situations, Chip, can lead to an overall good outcome. Like–

Even if you’re going through something bad Chip, just because a bad thing happens doesn’t mean that only bad things have to come from that. That’s one of the things I tell people all the time, Chip, is that if you go through a bad situation, you can learn from it, and you can use your experience to help others. And you can be that– you can be, at the worst-case scenario, you can be someone for other people who are going through that same experience to lean on when they go through that.I think there’s a certain amount of comfort that comes from that; from knowing no matter how bad your situation is, you’re not the only person who’s experienced it. You know what I mean?

[itsaceokay]

I feel like people don't often fully appreciate how hard dating can be for demisexuals.

It just hit me the other day when I found out that most people are kissing by the first date and having sex by the third and to me that is just wild. And apparently, some people wait up to three months before having sex and that's seen as like a really long time and I'm sorry but is everyone okay???

After three dates a person is still a stranger and after three months they're at most an acquaintance - and people are not willing to wait longer and you'll be seen as unreasonable if you want to wait for a year or more??

[dejasenti99]

rocky, the arms dealer.

[thedepressexpress]

for this new year, might I recommend boycotting? you'll be pressuring shitty companies to stop funding the Israeli occupation, you'll be snatching money from the greedy grubby hands of shitty CEOs and you'll be helping local businesses.

(boycotting means that you no longer spend your money at or recommend that place. if you already have something from them, you shouldn't throw it. keep it, use it as long as it is useful and then when it is time to replace it, you can look for other companies that make the same or similar products.)

your boycott may not be perfect but it is a really good start for people who are unable to donate to funds to the people in need.

[womenusingwords]

Deck the Palms

The details… Title‏ : ‎ Deck the Palms Author‏ : ‎ Kat Jackson Publisher ‏ : ‎ Bella Books Editor‏ : ‎ Alissa McGowan Publication date‏ : ‎ December 17, 2024 Available formats‏ : ‎ ebook, paperback Length‏ : ‎ 298 pages ISBN-10 ‏ : ‎ 1642476188 ISBN-13 ‏ : ‎ 978-1642476187 Themes‏ : ‎ friendships, failed relationships, family, community, falling in love, learning to trust, starting…

[pttucker]

"Yoo Joonghyuk, defend me." "What?" I immediately closed my eyes and focused. I had become quite familiar with it after all the practice while sleeping. There was the feeling of my body sinking to the ground and darkness was everywhere. I felt a shallow sleep and immediately used Omniscient Reader's Viewpoint.

NO HESITATION WHATSOEVER

They're in the middle of nowhere, literally surrounded by potential enemies, and Dokja doesn't even blink before leaving himself completely vulnerable, trusting Joonghyuk to watch over him while he totally zones out.

Talk about relationship growth.

[goodluckclove]

watch me accidentally publish blind trust early because i'm getting really into it again and i don't want to wait almost two more months before it's released.

i mean june is essentially june 20th, right? it's all...it's all kind of the 20th. in a sense. sort of.

[polysyndetonaddictsupportgroup]

I don't not mean this offensively at all but is blows my mind that you are a lawyer but also writing jjk fics bc I work at a law firm and cannot for the life of me imagine any of the lawyers that work there writing fanfiction LOL kudos to u seriously I know how busy schedues can get due to court dates haha

im working in like. big city criminal law stuff right now and have been told by people in my office that i come off as a very deadpan and straight-laced legal nerd so i don't think the people who know me from my attorney life are imagining me writing jjk fanfic in my free time either

[supersoftly]

Sadly it's true. Google "Police-reported crime in rural and urban areas in the Canadian provinces, 2021" on Statistics Canada. One quote: "The Crime Severity Index (CSI), which measures the volume and the seriousness of crimes, was 33% higher in rural areas (91.9) than in urban areas (69.3). The gap was even greater for the Violent CSI." Again sorry if I'm being autistic about it. I believe your experiences are real, but I tend to go by studies instead of personal experiences and anecdotes.

Dude, key part of the article you glazed over:

(x)

[monsterkong]

Work Culture That Doesn’t Suck: Lessons from Todd Kuckkahn 🚀

👋 Hey Tumblr fam! Ready to talk about something that affects all of us? Today’s topic is workplace culture—specifically, how to make it not suck!

I got the chance to chat with leadership expert Todd Kuckkahn, and let me tell you, this guy knows what’s up when it comes to building engaging workplaces. Todd’s on a mission to change how we think about leadership, and here’s why you need to know about it!

Todd’s Leadership Journey 🌱

Todd didn’t always plan on becoming a “culture crusader” (as I like to call him). After 17 different jobs and dealing with his fair share of toxic work environments, Todd found himself drawn to the world of leadership. His experiences with John Maxwell’s leadership program opened his eyes to what could be: workplaces where people are treated like human beings, not cogs in a machine.

Crazy concept, right? 😜

The Power of Core Values

When it comes to leadership, Todd’s big on core values. These aren’t just buzzwords—they’re guiding principles that shape everything from decision-making to team dynamics. Todd’s top 5: Optimism, trust, honesty, enthusiasm, and teamwork. These are the values that help him transform struggling workplaces into thriving ones.

One of the coolest things Todd does is help teams figure out their own values. It’s like having a mini therapy session but for your company. 😅

Why Culture Still Sucks in Many Places 🤷

Let’s be real—too many workplaces focus on numbers and profits and forget about the people who actually make things happen. Todd’s message? Care for your employees, and they’ll care for your business. Simple as that.

Changing the Game 🎮

Todd shared this one story about a company that was in total chaos—CEO passed away, toxic culture, and then COVID hit. It wasn’t pretty. But through hard work, Todd helped turn things around by focusing on trust, communication, and actual core values.

So yeah, culture change takes work, but it’s not impossible. And no, bringing donuts every Friday doesn’t count as fixing your culture. 🍩 (Though, who doesn’t love a good donut? 🙃)

[loumauve]

I snapped today at work, and by snapped I mean I politely commented on a help desk ticket by summing up an mess of an (type of) issue that's come up for at least the fourth time in the 2+ months I've been managing user accounts, and asked the person responsible to fix it (himself for once) because last time I fixed his mess-up it took me two whole days to work out the details with at least four other colleagues from different departments and I really don't want to do it again. there's other shit that needs doing, I've been working 10+ hour days for most of this week already, so I need to cut down not add on more.

(good thing tho - at least we managed to fix the issue where the dataset of a newer employee got mixed up with another one of the same name and therefore wasn't able to apply for any of the access/accounts she needed. technically not entirely my area but it does impact us not being allowed to create an account for her so I figured I might as well track that issue down. took three days and at least three other people, but hey - it should all work out now. yay for that)

[halfdeadwallfly]

me: hey, i feel like someone's standing on my chest, and walking rn is making me winded

my mom:

[womenusingwords]

You Had Me at Merlot

The details… Title ‏ : ‎ You Had Me at Merlot Author ‏ : ‎ Melissa Brayden  Publisher ‏ : ‎ Bold Strokes Books  Publication date ‏ : ‎ February 13, 2024 Available formats ‏ : ‎ ebook, paperback, audiobook  File size ‏ : ‎ 1291 KB Print length ‏ : ‎ 264 pages Audiobook listening length : 10 hours and 37 minutes (Narrator: Lula Larkin) Genre ‏ : ‎ contemporary romance  Trope ‏ : ‎ second…

[tariah23]

Outside of all of… that happening to Gojo, and finishing Snowfall the other day, eek……..

[selfcontainedunivcrse]

my little guys. Cion and Vwoop have a weird relationship. He's inserted himself into the Vwoop + Seren family dynamic and kind of exists to be Right. He's not really considering the actual effect that he has on Vwoop and is trying to get one over on Ren. he fufills a very expository / narrator role to me. Vwoop believes what he says.