Friend moved to Florida last year. I see his weather posts. That weather looks like complete hell even if you have an office AC job. For working outside I'd GTFO in a week.
Josh Luthman Office: 937-552-2340 Direct: 937-552-2343 1100 Wayne St Suite 1337 Troy, OH 45373 On Wed, Jul 6, 2016 at 3:54 PM, Gino Villarini <[email protected]> wrote: > I dont live in FL... lol > > On Wed, Jul 6, 2016 at 3:50 PM, Josh Luthman <[email protected]> > wrote: > >> *not available to weird places that have beautiful weather all the time >> >> >> Josh Luthman >> Office: 937-552-2340 >> Direct: 937-552-2343 >> 1100 Wayne St >> Suite 1337 >> Troy, OH 45373 >> >> On Wed, Jul 6, 2016 at 3:46 PM, Gino Villarini <[email protected]> >> wrote: >> >>> good lord! in need to apply for that 2% cash back! we are pumping over >>> $100k per month to our corp amex >>> >>> On Wed, Jul 6, 2016 at 3:31 PM, Chuck McCown <[email protected]> wrote: >>> >>>> I like miles because I can’t spend them. Dollars back I would spend >>>> and then when I need to go to the UK to visit my daughter I have to cough >>>> up the dough. >>>> >>>> *From:* Forrest Christian (List Account) <[email protected]> >>>> *Sent:* Wednesday, July 06, 2016 1:30 PM >>>> *To:* af <[email protected]> >>>> *Subject:* Re: [AFMUG] Credit card irregularities. >>>> >>>> >>>> The Citi double cash is 2%. I used to use it as my everyday spend card. >>>> >>>> I am having really good luck with chase ultimate rewards earning cards, >>>> and also spg earning cards. With the combination of the chase sapphire, >>>> freedom, and freedom unlimited cards for personal and chase ink, I get >>>> anywhere between 3% and 10% back in travel rewards (mostly hotels and an >>>> occasional flight). But this only works if you travel enough that you can >>>> redeem for values over 2 cents per point. >>>> >>>> With the chase freedom and discover they have revolving bonus >>>> categories which are 5x points (10% effectively). We try to buy gift cards >>>> to maximize this.. for instance, we're currently watching movies using >>>> theatre gift cards from the last time the rewards category was movie >>>> theatres. >>>> >>>> Back to the question about whether it makes sense to run cards through >>>> your own merchant account... maybe if you're trying to meet a minimum >>>> spend, or need a few miles to make a reward work, but I sure can't see >>>> this making sense on a regular basis. >>>> On Jul 6, 2016 12:37 PM, "Josh Luthman" <[email protected]> >>>> wrote: >>>> >>>>> What's the 2% personal card if I can ask? >>>>> >>>>> >>>>> Josh Luthman >>>>> Office: 937-552-2340 >>>>> Direct: 937-552-2343 >>>>> 1100 Wayne St >>>>> Suite 1337 >>>>> Troy, OH 45373 >>>>> >>>>> On Wed, Jul 6, 2016 at 2:35 PM, Travis Johnson <[email protected]> wrote: >>>>> >>>>>> Does the 3% credit card processing fee ($300 on $10k) justify the >>>>>> miles you will gain? How much is it to just "buy" the same amount of >>>>>> miles? >>>>>> >>>>>> Inquiring minds want to know. I use a 2% cashback on everything card >>>>>> for ALL my personal expenses (groceries, gas, utility bills, cell phone >>>>>> bill, food, car expenses, etc), and a different business card (also 2% >>>>>> cashback on every single item) for all my business stuff. Then I just get >>>>>> checks mailed to me about once a month for the rewards. The miles game >>>>>> always seemed like a lot of work to track everything, etc. >>>>>> >>>>>> >>>>>> Travis >>>>>> >>>>>> >>>>>> On 7/6/2016 12:08 PM, Chuck McCown wrote: >>>>>> >>>>>> S Corp >>>>>> >>>>>> *From:* Jason Wilson <[email protected]> >>>>>> *Sent:* Wednesday, July 06, 2016 12:07 PM >>>>>> *To:* [email protected] >>>>>> *Subject:* Re: [AFMUG] Credit card irregularities. >>>>>> >>>>>> Sole Proprietor? LLC or Corp? If you are a structured org (llc,Corp) >>>>>> and you have an invoice for said items then you should be ok. >>>>>> >>>>>> >>>>>> *Credit card kiting* refers to the use of one or more credit cards >>>>>> <https://en.wikipedia.org/wiki/Credit_card> to obtain cash and >>>>>> purchasing power they do not have, or pay credit card >>>>>> <https://en.wikipedia.org/wiki/Credit_card> balances with the >>>>>> proceeds of other cards. Unlike check kiting >>>>>> <https://en.wikipedia.org/wiki/Check_kiting>, which is illegal under >>>>>> nearly all circumstances, laws against credit card kiting are not >>>>>> completely prohibitive of the practice, thereby allowing it to be done to >>>>>> some degree. It is up to the banks to detect the practice and when >>>>>> necessary, stop it. >>>>>> >>>>>> In order for prosecution to occur in a credit card kiting scheme, a >>>>>> bank must prove intent to deceive.[1] >>>>>> <https://en.wikipedia.org/wiki/Credit_card_kiting#cite_note-1> Eq >>>>>> seq reference infers paying credit card minimum balances with credit >>>>>> card <https://en.wikipedia.org/wiki/Credit_card> proceeds is de facto >>>>>> <https://en.wikipedia.org/wiki/De_facto> evidence of deceit. >>>>>> >>>>>> It all will depend on your CC Processor. >>>>>> >>>>>> >>>>>> Jason Wilson >>>>>> Remotely Located >>>>>> Providing High Speed Internet to out of the way places. >>>>>> 530-651-1736 >>>>>> 530-748-9608 Cell >>>>>> www.remotelylocated.com >>>>>> >>>>>> On Wed, Jul 6, 2016 at 11:01 AM, Cameron Crum <[email protected]> >>>>>> wrote: >>>>>> >>>>>>> I didn't think about the miles thing. I just didn't think they would >>>>>>> care as they are still getting paid and you'll be out about 3% of the >>>>>>> charge. The biggest charge I've run through my own cars was about $300. >>>>>>> I >>>>>>> know square used to hold funds over $1000 for some period...like 7 days >>>>>>> or >>>>>>> so? Maybe that is too long, but I seem to remember something like that. >>>>>>> >>>>>>> On Wed, Jul 6, 2016 at 12:55 PM, Josh Luthman < >>>>>>> [email protected]> wrote: >>>>>>> >>>>>>>> From what came up a while ago you can do that no problem after >>>>>>>> contacting the merchant but IPPay doesn't allow those shenanigans. >>>>>>>> >>>>>>>> >>>>>>>> Josh Luthman >>>>>>>> Office: 937-552-2340 >>>>>>>> Direct: 937-552-2343 >>>>>>>> 1100 Wayne St >>>>>>>> Suite 1337 >>>>>>>> Troy, OH 45373 >>>>>>>> >>>>>>>> On Wed, Jul 6, 2016 at 1:53 PM, Chuck McCown <[email protected]> >>>>>>>> wrote: >>>>>>>> >>>>>>>>> I am thinking of doing this for about $10K and really don’t want >>>>>>>>> to get money or systems locked up. >>>>>>>>> I can also run it through my ecommerce site and I have a quick >>>>>>>>> books merchant account too. >>>>>>>>> >>>>>>>>> *From:* Cameron Crum <[email protected]> >>>>>>>>> *Sent:* Wednesday, July 06, 2016 11:50 AM >>>>>>>>> *To:* [email protected] >>>>>>>>> *Subject:* Re: [AFMUG] Credit card irregularities. >>>>>>>>> >>>>>>>>> I've run my own card on my own account before a couple of times >>>>>>>>> for testing and for paying myself for something as well. I'm not sure >>>>>>>>> they >>>>>>>>> really care, but I haven't read the AUP in like 4 years. >>>>>>>>> >>>>>>>>> Cameron >>>>>>>>> >>>>>>>>> On Wed, Jul 6, 2016 at 12:40 PM, Chuck McCown <[email protected]> >>>>>>>>> wrote: >>>>>>>>> >>>>>>>>>> This has been covered here before. I am considering buying >>>>>>>>>> something from my own company. Have Jenny run my personal card on >>>>>>>>>> her >>>>>>>>>> company square reader. >>>>>>>>>> >>>>>>>>>> Not sure if that violates any kind of AUP. Hate to get her >>>>>>>>>> merchant account shut down. It is a woman owned business with her >>>>>>>>>> owning >>>>>>>>>> more than half. I don’t technically work there. I am not on the >>>>>>>>>> payroll. >>>>>>>>>> >>>>>>>>>> How risky is this? >>>>>>>>>> >>>>>>>>> >>>>>>>>> >>>>>>>> >>>>>>>> >>>>>>> >>>>>>> >>>>>> >>>>>> >>>>>> >>>>>> >>>>> >>>> >>> >> >
