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"Where Fillmore County News Comes First"
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Sunday, December 4th, 2016
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One Moment, Please... A credit card scam – that’s authorized!


Mon, Oct 31st, 2016
Posted in All Commentary

By Jason Sethre

Publisher

Fillmore County Journal

jason@fillmorecountyjournal.com

Have you heard about the credit card scam that’s completely legal?

In recent months, almost all consumers have been issued new credit and debit cards with a chip installed to prevent fraud.

Well, quite frankly, this is just another scam introduced by merchant services companies to sell more new equipment to businesses to maintain compliance with a system that really isn’t bulletproof against fraud prevention.

If you use your new card at a business, and you don’t remember your PIN, you can still process your transaction – even with the chip reader option.

So, someone could steal your credit or debit card, not knowing your PIN, and still make purchases at a business that may have done everything required by their merchant services provider to satisfy compliance. Of course, they may take the liberty of questioning a buyer to show their ID (such as a driver’s license), but how often does that happen?

For businesses, merchant services providers are a financial nuisance. Most business owners would prefer payments from customers be made with cash or check, because credit or debit card payment processing results in the business losing a portion of the revenue generated from the sale – which goes directly to the merchant services provider.

And, the fees don’t stop there for businesses. With most merchant service providers, they charge a monthly base fee just for providing the service. The reality is that all of these additional fees increase the cost of doing business for local businesses, and they can only absorb those expenses by increasing their prices to customers. So, in the end, the front-end consumer always pays for these “nickel and dime” charges one way or another.

A couple of years ago, the Fillmore County Journal maintained a contractual relationship with The Redwoods Company. In August 2015, that company was bought out by another larger merchant services provider that immediately increased monthly base fees by 800%. That’s not a typo – 800%!

And, as a result, we ended our contract with that company as swiftly as possible. For any small business in our small communities, business owners and managers have to constantly pay attention to their bills and notices from vendors. That’s why I r .....
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Coming together among a growing divide

Mon, Oct 31st, 2016
Posted in All Commentary

By Tim Penny I’m sure many of you are eager to see the end of what has been one of the most vicious, divisive political campaigns in many decades. While the end is nearly in sight, it may be wishful thinking that the intense partisanship and divi ..... 
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A View From The Woods ~ 10/31/16

By Loni Kemp

Mon, Oct 31st, 2016
Posted in All Commentary

Cider time Pressing apple cider is one of my favorite events of the year. Timing is crucial, because apples need time to ripen to their full potential and crispness, and they really like to get a nice hard frost to bring out the best flavor notes ..... 
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Again?

Mon, Oct 24th, 2016
Posted in All Commentary

By Becky Schmidt Kingsland Superintendent John McDonald had sent a request to present the Kingsland Schools Board’s proposal for the elimination and closing of the Wykoff Middle School and the building of a $13,715,000 school in Spring Valley at ..... 
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Imaginary friends

Mon, Oct 24th, 2016
Posted in All Commentary

By Dr. Bryan Van Gorp I was recently criticized by a couple of Fillmore County Journal readers for not being Christian based on a commentary I wrote. As is often the case with religious zealots, you assume that my beliefs being different than yours ..... 
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To the residents of Fillmore County

Mon, Oct 24th, 2016
Posted in All Commentary

By David Kiehne Fillmore County Recorder On the ballot for the November elections, there are two questions for the residents of Fillmore County to act on. The questions posed by the County board are: • Shall the office of Auditor/Treasurer be ..... 
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Was our $85,000 well-spent in 2016?

Mon, Oct 24th, 2016
Posted in All Commentary

By George Spangler In the two weeks remaining before election day, we must reflect upon whether or not we got our money’s worth with our current elected state officials. In SE Minnesota, we spent about $85,000 in salary and travel expenses for ou ..... 
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One Moment, Please... Are doctors on commission?

Mon, Oct 24th, 2016
Posted in All Commentary

“The reality is the Affordable Care Act is no longer affordable for an increasing number of people,” stated Governor Dayton on October 12, 2016. I keep hearing about how much more people in Southeast Minnesota are going to have to pay for healt ..... 
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Are GMOs a reason to be fearful?

By Sara Snipes

Mon, Oct 24th, 2016
Posted in All Commentary

Genetically engineered organisms (GMO) are a hot topic, and have been for quite some time now. There are certainly many arguments for and against the idea of having GMOs. Specifically, GMOs are a concern with our food. The idea that we may be, and pr ..... 
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