In our ever changing digital world, things are always changing. So it is no surprise that the way our cards are being accepted is changing as well. We are dipping the chip and using our watches and now we may not even be asked to sign the receipt! As of April 1st, 2018 – the card associations have elected to move away from requiring your signature. We thought it would be helpful for you to know how each card brand feels about this turn of events: Here is a quick recap of the statements from the card networks: MasterCard announced in October (17) that Eliminating the need for signature is another step in the digital evolution of payments and payment security. At first glance, this might sound like

U.S. merchants are prohibited from splitting credit card transactions, which they may be tempted to do when the total transaction amount exceeds the authorization limit stated in their processing agreements. In such scenarios, merchants would request multiple authorizations for portions of the total transaction amount, which would all be lower than the limit. We have advised you not to do that, because you will eventually be found out and pay the price for your misbehavior. Merchants are prohibited from splitting credit card transactions, which they may be tempted to do when the total transaction amount exceeds the authorization limit stated in their processing agreements. In such scenarios, merchants would request multiple authorizations for portions of the total transaction amount, which would all be lower than the limit. We

Santa has finished his work- every name checked off the list and now it is your turn! As we stare down the remainder of 2017- it’s time to do what business owners typically do several times per year: Review~Refocus~Refuel REVIEW Consider asking yourself these questions- we are talking business, but this also works personally!! Honest assessments and reviews will help you understand what went well and where improvements can be made. What worked this year? What did not work? Are there specific areas in your business that need attention? What would you do differently to increase/improve results? REFOCUS Now that you have identified some areas where you need to focus, take immediate action and create your plan. Lots of business owners consider the items that need attention however,

Thanksgiving is such a wonderful time to spend with Friends & Family. This week, our social media posts will be all about gratitude, thankfulness and the many blessings we have as individuals living in America. As you take the time to count your blessings this week, please remember to send out lots of prayers for those who cannot make it home for the Holidays and for those who stand guard over a grateful nation! We would like to take a moment to say THANK YOU to our soldiers (past, present and future), for standing in the gap and protecting our freedoms and the dream that is still America! Happy Thanksgiving and may the protection of the Lord be ever present as you fulfill your duties! Cheri PerryMonday, November