Create your own economic stimulus package to support your country - Learn how you can create a 2-5% relief all on your own at no cost to you

There are countries paying mostly cash. And there are countries spending more than they earn and thus mostly by credit card - either by tradition since decades. Such CC shopping beyond personal finance budget limits definitely is the case of the USA, but in other countries as well.

If you are among the credit card shoppers / users, then I'll show you here how YOU can contribute to an instant economic stimulus package for your own country - at NO extra cost to you.

In cash shopping - all payment goes directly and in full toward the merchant or manufacturer of goods / services. That however is different in credit card payments and may be many credit card users forget or never learned such details.

When you shop with credit card - then your dealer is deducted 2-5% of the total amount

A typical credit card merchant agreement provides for a certain percentage of the total charged sum to be deducted by the credit card company. Typically this percentage or commisson in favor of the credit card company is in the range of 2-5% depending on the total annual sales volume by each individual CC merchant. Regular small retailers may be in the highest range of 5% - in some countries that highest percentage might even be higher. While huge companies such as gasoline stations or airlines may have a deduction in the range of 2%.

That means that for every 100 US$ you pay by credit card - the merchant loses some 2-5% or even more. For small business being in the higher range of 5% - that percentage is a HUGE burden that finally needs to be calculated into the average total salesprice!!

Hence we all pay for using credit card - even the cash payers. Credit card companies normally force merchants to grant same price for credit card payments as for cash payments. Hence the merchant has to integrate the CC percentage he gets deducted by the CC company into the price - to make all services and products by that percentage higher. A merchant ONLY can live, pay, employ, buy, repair, etc from HIS net amount actually received. ALL deductables need to be added INTO the sales price.

By paying cash your dealer / retailer has an instant saving / relief of 2-5%

By instantly paying ONLY cash - you will create the following benefits for you AND your entire country's economy:

1. You will learn to pay as you earn instead of spending as you wish. Thus you will learn to adapt your spending to your actual net income - to available cash in your pocket.
2. You will create an instant relief of all retailers by the margin of 2-5% of your services or products consumed. that amount at first will be a direct benefit for the retailers serving you. If MANY more get used to pay cash again for all they consume, then the retailer industry starts to feel an increase of net profits resulting from the decrease of credit card merchant commissions to be deducted. If the cash payment continues to persist and even grow, then the retailers may start to lower the retail prices by the actual savings they make from reduced CC merchant deductions.

There are really only a few situations where a CC is the best or even only way to pay for goods or services or appears to be much cheaper than typical alternate payment procedures. Such CC transactions justified would be for online transactions like:

• Downloadable SW or any other online shopping - but here you may verify if an online shop offers cheaper alternate payment methods such as PayPal instead of CC
• Flight- or hotel reservations / ticketing specially in foreign countries

Besides such extreme cases where CC payments really appears the most efficient and also cheapest method of payments - there certainly is NO justification for paying fast food, diners, shopping at your grocery, repair of cars, sports and recreation, etc by CC !!!

Supporting the financing industry really helps you nothing at all - but supporting the production oriented industry and retailers helps you. You never can eat money, but you can eat food or use products actually needed in your life. Support those who really create goods or services that you can actually consume or absolutely need for the basics support of your life and family. Paying doctor bills, hospital bills, gasoline, travel or hotel by CC makes all such services or goods more expensive by 2-5%. Paying cash for all those daily needs instantly reliefs a.m. industries by 2-5%. At first this 2-5% relief may be needed to become healthy again as an industry and later on may be forwarded to you by means of lower prices or decreased price adjustments.

Learn to stay within your true financial limits. Learn to spend equal or better less than what you earn. Learn to create at least a small personal financial "buffer" of at least a few thousand $ for emergency situations. If such emergencies never occur within a budget year, then use your financial buffer for charity or to help others in need around you or to improve school or life in the third world you may spend your next vacations.

You can never have too much money or earn too much money !

You can never have too much money - You can never earn too much! But:

• You can spend your money in a wrong way.
• You can spend your money for wrong goods or wrong services
• Even worst - You may fail to spend your money at all

Money is like love and if wisely earned and spent, then money can be turned into love for others. Money can be used to increase or improve the freedom of others, to improve the comfort of life or health of others, to increase education and happiness of others.

To have NO EXCESS money leaves you now option to help others where help requires money. To have no excess money at all, to live only from credit cards, to live from your parents money or from your employees productivity means that you are stingy in giving your work and love to create your own income. To have no excess money potentially may turn you into a burden of the entire planet and human society rather than into an asset of human society.

Here on earth you learn to prepare yourself for life at home in God. In God all contribute to the wellbeing of all. At home no single person ever lives from others, no one lives from interest rates or pension, we live form what we earn. We earn as a result of flowing love toward all.

Learn to create the income you need for the live you wish to conduct. Learn to create abundance and to always pay cash. Strong economies are those were all people carry cash in their pockets all they need for their daily life. Weak economies live from soap bubble like finance markets - markets that might be valued yesterday at 20 Billions and today at 20 Millions - because the entire credit and finance market is an artificial entity of no real content and no real value on its own. All money borrowed, even the borrowed money borrowed ....

Learn to live within your own limits - also within your own financial limits. If those limits appear too small to you, then you simple have been working too little for your own demands and apparent needs. Hence you either lower your demands and needs or increase your creative productivity until your limits allow you to conduct a happy life style while at the same time leave space to help others in sufficient powerful ways.

By using cash payments of course you also save into your own pocket. You save any interest rate you have to pay for your credits used on your various CC! That saving may make far more than 10% in many cases. Hence cash payments always create an instant economy stimulus package for both parties involved: The producing / retailing industry as well as for you the consuming party. Cash payments vs CC payments instantly increases the total net amount of money left for real life by reducing expenses and costs for money handling and payment procedures that actually are of no true value at all to us - specially in times of financial crisis like now!

God bless

hans