#saskatoon Credit Card Processing

[canadian-tax-refund]

Canadian Credit Card Surcharge Rules

Q. What is the process that a merchant must follow in order to surcharge Visa credit cards? A. A merchant that chooses to apply a surcharge to consumers who pay with Visa credit cards must: • provide it’s acquirer with a minimum of thirty (30) days advance written notice of it’s intention to surcharge • disclose it’s surcharging practices to cardholder at the point of interaction (POI) and on the…

[mortgagealliance3848]

Mortgage Pre-Approval vs. Pre-Qualification: What’s the Difference?

As a trusted mortgage professional based in Saskatoon with Akal Mortgage Inc., I, Vishal Monga, often encounter clients who are eager to jump into the home-buying process but are unsure about the crucial first steps. One of the most common points of confusion revolves around “mortgage pre-qualification” and “mortgage pre-approval.” While these terms are sometimes used interchangeably, they represent distinctly different stages in your journey to homeownership. Understanding this difference can save you time, stress, and even give you a significant advantage in a competitive housing market.

Let’s break down what each means and why it matters.

Mortgage Pre-Qualification: The Casual Chat

Think of mortgage pre-qualification as a preliminary, informal assessment of your borrowing capacity. It’s like a quick conversation with a lender or a quick online calculator where you provide a snapshot of your financial situation. You’ll typically share:

Estimated Income: Your gross annual income.

Monthly Debts: An overview of your existing loans, credit card balances, and other recurring financial obligations.

Assets: A general idea of your savings, investments, and down payment funds.

Based on this self-reported information, without any verification or a hard credit check, the lender will give you a rough estimate of how much mortgage you might qualify for.

Benefits of Pre-Qualification:

Quick and Easy: It’s a fast process, often taking just a few minutes, and doesn’t require extensive documentation.

No Impact on Credit Score: Since there’s typically only a “soft credit check” (or none at all), it won’t affect your credit rating.

Budget Estimation: It’s a great starting point for first-time homebuyers or those just exploring the market. It helps you set a realistic budget and narrow down your property search.

Identifies Potential Issues: It can give you an early heads-up if there are any major red flags in your financial profile that you need to address before applying for a real mortgage.

Limitations of Pre-Qualification:

Not a Guarantee: It’s simply an estimate. The lender isn’t committing to lend you any specific amount.

Little Weight with Sellers: In a competitive market, a pre-qualification letter doesn’t hold much sway with sellers, as it doesn’t indicate a serious commitment from a lender.

Mortgage Pre-Approval: The Serious Commitment

Mortgage pre-approval, on the other hand, is a much more thorough and formal process. This is where the rubber meets the road. When you get pre-approved, a lender conducts a comprehensive review of your financial standing and provides a conditional commitment to lend you a specific amount of money at a particular interest rate.

Here’s what the pre-approval process typically involves:

Full Application: You’ll complete a detailed mortgage application.

Documentation: You’ll need to provide verifiable documents, including:

Proof of Income: Pay stubs, employment letters, T4s, Notices of Assessment (NOAs) for the past two years (especially if self-employed).

Proof of Assets: Bank statements (showing source of down payment), investment statements.

Proof of Liabilities: Statements for existing loans, credit cards, and other debts.

Identification: Government-issued ID, SIN.

Credit Check: The lender will perform a “hard credit check,” which will briefly appear on your credit report but is a necessary step to assess your creditworthiness.

Benefits of Pre-Approval:

Solidifies Your Budget: You’ll have a clear and accurate understanding of how much you can truly afford, allowing you to focus your home search effectively.

Stronger Negotiating Position: A pre-approval letter signals to real estate agents and sellers that you are a serious, qualified buyer. In a multiple-offer situation, your pre-approved status can make your offer much more attractive.

Rate Hold: Many lenders, including those I work with at Akal Mortgage Inc., will “lock in” an interest rate for a specific period (typically 90–120 days) with a pre-approval. This protects you if interest rates rise while you’re house hunting. If rates drop, you can often still benefit from the lower rate.

Faster Closing: Having your finances pre-approved streamlines the actual mortgage application process once you find a home, potentially leading to a quicker closing.

Uncovers Potential Issues Early: If there are any underlying credit or financial issues, pre-approval brings them to light before you’re in a time-sensitive situation with an accepted offer.

Limitations of Pre-Approval:

Not a Final Approval: While strong, a pre-approval is still conditional. The final approval is subject to the appraisal of the property you choose and a final review of your financial situation (ensuring no significant changes have occurred).

Temporary Impact on Credit Score: The hard credit check will slightly lower your credit score for a short period.

Which One Should You Get?

For anyone seriously considering buying a home in Saskatoon or anywhere else in Canada, mortgage pre-approval is highly recommended. While pre-qualification can be a helpful initial step to get a rough idea, pre-approval provides the certainty and leverage you need to confidently navigate the housing market.

As Vishal Monga from Akal Mortgage Inc., my advice is always to get pre-approved before you start actively looking at properties. It’s a vital step that empowers you, sets realistic expectations, and positions you for success in your home-buying journey. Don’t leave your biggest purchase to guesswork; get pre-approved and step into the market with confidence.

Ready to get started or have more questions about your mortgage options? Contact Vishal Monga at Akal Mortgage Inc. in Saskatoon. I’m here to help you every step of the way.

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[ninja-muse]

SUPPORT INDIE BOOKSTORES!!

Hi all! Your friendly neighbourhood book-slinger here! As you know, the Covid-19 pandemic is hitting the economy hard, small businesses especially. As you may not know, bookstores have one of the largest overheads and one of the smallest profit margins of any business ever. Many rely on foot traffic and neighbourhood support, which means if they haven’t already shut their doors due to public health measures, they’re still seeing a major drop in the number of customers and books sold—often while still needing to buy new stock and pay rent. It’s not completely dire, we’re not looking at a world without bookshops, but a lot of booksellers are genuinely worried all the same.

This is where you guys come in! If you need books right now (and I’m talking to Booklr here so there are decent odds you do), and you’ve got the money to spend, please consider hitting up an indie for them rather than a chain or exclusively online bookstore. A lot of them took online and phone orders before this year, and many are now offering curbside pick-up, lower shipping costs, and local delivery, and all of them could use your support right now. (They’re also, by and large, some of the most delightfully bookish people you’ll ever meet.)

Don’t know who your indies are? That’s what this post is for! It’s kind of skewed to my area right now because that’s what I know, but it will be updated as I get more recommendations. So please, rec your local indies to me! Add them to this post, slide into my asks, whatever’s most comfortable.

And please note that even if a store is closed and in lockdown, that does not mean you can’t place an order for when the crisis is over.

Let’s share the bookstore love!

There is now also Bookshop.org and the Save Your Bookstore app, for anyone who is interested.

Last edit: May 15, 8:50 am PST.

AUSTRALIA

Abbey’s Bookstore - Sydney. Closing on March 30. Taking online, phone, and email orders, delivering.

Crow Books - Perth. Taking phone orders, shipping.

Q’s Books - Newcastle. Window display where you can request by pointing.

Secret Bookstuff - Newcastle. Closed, taking online orders and offering phone recommendations. 15% off until end of March.

White Dwarf Books - Perth. Open to the public, Paywave preferred, taking orders for shipping

Melbourne

Alice’s Bookshop - Closed. No info about orders or shipping.

Books For Cooks - Open to public. Free next day delivery for people in isolation in local area

City Basement Books - No information.

Coventry Bookstore - No information.

Hill of Content Bookshop - Open online. Free delivery to the CBD, and shipping.

Metropolis Books - Open to the public. Offering free freight via Australia Post for online orders over $50

North Melbourne Books - Open but limited to 3 customers, offering free home delivery to North and West Melbourne.

Paperback Books - Open but closing early, taking phone, email, and online orders and shipping.

Readings - No longer accepting cash payments. Free delivery on online orders $150 and over — anywhere in Australia. 

Robinson’s Bookshop - Some stores may close early, taking online orders.

Syber’s Books - No information.

AUSTRIA

Shakespeare and Company - Vienna. Taking email orders.

CANADA

A Google Map of all indies who deliver

Alberta

The Edmonton Bookstore - Edmonton. Closed. Taking phone, online, and email orders. Updating webstore daily. Accepts Paypal.

Fair's Fair - Calgary. Closed,  taking email orders and doing curbside pick-up, credit and debit only

The Next Page - Calgary. Closed, taking online orders and delivering for free within Calgary

Pages On Kensington - Calgary. Taking phone and online orders, doing deliveries and curbside pick-up

The Wee Book Inn - Edmonton. No information.                       

British Columbia

Lower Mainland

Black Bond Books/Book Warehouse - Services and openness vary depending on location, but currently offering $5 shipping within the Lower Mainland

The Book Man - Chilliwack and Abbotsford. Closed. 

Carson Books - Vancouver. No information.

Golden Age Collectables - Vancouver. Open.

Hager Books - Vancouver. Closed. Has a webstore.

Kidsbooks - Vancouver. Closed to browsing. Online and phone orders. Curbside pickup, shipping, delivery.

Lucky’s Comics - Vancouver. No information.

MacLeod’s Books - Vancouver. No web presence

Massy Books - Vancouver. Currently open online with free delivery within Metro Vancouver and discounted rates across Canada

The Paper Hound - Vancouver. Open to the public, taking phone and email orders, offering free bike delivery

Pulp Fiction Books - Vancouver. Open to the public, taking orders online, by phone, and by Twitter, shipping daily (more details)

Tanglewood Books - Vancouver. No information.

White Dwarf Books/Dead Write Books - Vancouver. Open to the public, offers some free delivery

Y’s Books - - Vancouver. No information.

Vancouver Island and the Gulf Islands

Beacon Books - Sidney. Closed, taking orders via AbeBooks, ships.

Bolen Books - Victoria. Taking phone and online orders, small window for in-store pickups, $5 shipping within BC for orders for $40

The Children’s Bookshop - Sidney. No web presence.

Coho Books - Campbell River. Taking phone, email, and online orders. Will deliver locally once a week

Galiano Island Books - Galiano Island. Closed but taking online orders. Delivery on the island free, BC shipping $5.

Galleon Books & Antiques - Sidney. No web presence.

The Haunted Bookshop - Sidney. No web presence.

Laughing Oyster Books - Courtney. Taking phone and online orders and will deliver within the Comox Valley.

The Military and History Bookshop - Sidney. No web presence.

Munro’s Books - Victoria. Closed till end of March, taking phone and online orders, $5 shipping within BC

Russell Books - Victoria. Closed, has pick-up window, offers free North American shipping with $50+ purchase with some limitations

Tanner’s Books - Sidney. Closed, taking phone and online orders, storefront pickup, $5 shipping within Capital regional district, free delivery to locals in a senior’s residence or self-isolating.

Interior

Mosaic Books - Kelowna. Closed, taking phone, email, Facebook, and online orders, free local shipping over $75, curbside pickup.

Nuthatch Books - 100 Mile House. No information.

The Open Book - Williams Lake. Phone and online orders. In-store and curbside pickup, free local delivery.

Saskatchewan and Manitoba

Bison Books - Winnepeg. Taking phone, online, email, and DM orders. Free local delivery or curbside pickup, with delivery available at cost everywhere else in the world. Accepts Paypal and e-transfer.

McNally Robinson - Winnepeg and Saskatoon. Closed but open by appointment. Taking phone and online orders, offering curbside pickup, next day Winnipeg delivery as low as $5, shipping across Canada

Ontario

Attic Books - London. Closed to at least April 13. Taking phone, email, DM, and online orders. Processing phone payments. Curbside pickup.

Bakka-Phoenix Books - Toronto. Closed to public until April 5. Online orders.

Brown and Dickson - London. Closed. Taking online and social media orders, considering free delivery within London. Seels gift cards.

Quebec

Argo Bookshop - Montreal. Open. Phone and online orders, curbside pickup, shipping. Selling gift certificates. Events have moved online and are starting a discussion series. Partnered with Libro.fm.

Babar Books - Montreal. Closed, taking online orders. Free shipping for West Island. $7.00 flat rate for Greater Montreal.

Librairie Drawn & Quarterly - Montreal. Closed, taking online orders, shipping, curbside pickup. Partnered with Libro.fm. Has launched an online storytime, runs an online book club.

Northwest Territories

Yellowknife Books - Currently taking online and phone orders with curb-side drop-off, also ships

FRANCE

Shakespeare and Company - Paris. Closed. Taking online orders but shipping later. Sells vouches and subscriptions.

IRELAND

Gutter Bookshop - Dublin. Closed at least to March 31. Online and email orders, shipping worldwide. Free postage within Ireland over €30. Sells vouchers.

ISRAEL

Holzer Books - Jerusalem. Appears to have updates in Hebrew.

Danny Books - Jerusalem. No information.

THE NETHERLANDS

The American Book Center - Amsterdam and the Hague. Closed for browsing today. Still taking web orders, handling emails and answering the phone. Free shipping in Netherlands over €20.

THE UNITED KINGDOM

Blackwells - Chain, but a good one.

Book-Ish - Crickhowell, Wales. Closed. Taking online orders. Has an outside donation box for toiletries for NHS staff. Recommending books on Twitter.

Ryde Bookshop - Isle of Wight. No information.

Topping & Company - Closed. Taking online, email, and phone orders, and shipping.

England

Chicken and Frog - Brentwood, Essex. Closed. Email orders. Online events. Home deliveries.

Daunt Books - London. Closed. Not currently taking orders.

Five Leaves Bookshop - Nottingham. Closed. Onlne and email orders, free postage and direct delivery from suppliers. Building a webstore and planning online events. Accepts PayPal and National Book Tokens.

Foyles - London. Closed. Online orders. Free UK standard delivery. Has subscription packages. Events cancelled until the end of May.

Gay’s The Word - London. Closed. Not currently taking orders.

Mostly Books - Abingdon-on-Thames, Oxfordshire. Closed.Taking phone, email, online, and social media orders. £3 postage except for large orders. Accepts PayPal and BACS.

Mr B’s Emporium - Bath. “Non-contact open.” Email and phone orders. Has sections on their website for recommendations and suggestions. Has gift vouches and reading subscriptions. Until March 31, £2 postage for 1st class, £1.50 for 2nd class. After that, free shipping over £30. Launching a Youtube channel.

Persephone Books - London. Closed. Online orders, but cannot ship due to lockdown.

Sevenoaks Bookshop - Sevenoaks, Kent. Closed. Online and email orders. Very limited hand-delivery. Shipping from suppliers.

Tales on Moon Lane - London. Closed. Email orders. Delivering. Giving recommendations.

Warwick Books - Warwick. Closed. Phone, email, and social media orders. Shipping from warehouse. Accepts bank transfer and PayPal. Has gift subscriptions and vouchers.

Scotland

Edinburgh Bookshop - Edinburgh. Closed. Taking online, email, and phone orders. Deliveries paused, but still shipping.

Golden Hare Books- Edinburgh. Closed. Taking online, email, and phone orders. Free local delivery, UK shipping for £2.50.

Lighthouse Bookshop - Edinburgh. Closed. Taking online, email, and phone orders, shipping as low as £2. Starting an online newsletter for bookstore vibes. Setting up a system where people in danger from domestic violence can ‘order a book’ and they will then alert the relevant local services to provide help.

Transreal Fiction - Closed. Not currently taking orders.

THE UNITED STATES

California

Alley Cat Bookshop and Gallery - San Francisco. Closed. Taking orders on Bookshop.org for direct home shipping. Sells gift certificates. Has a Patreon and a GoFundMe.

Books Inc./Compass Books - Bay Area. Closed. Online orders, free shipping.

Booksmart - Morgan Hill. Open, taking orders, curbside pickup. Home delivery within 3 miles, shipping $3.99 or free over $25. Providing gloves to browsers.

Borderlands Books - San Francisco. Closed, filling mail orders.

City Lights - San Francisco. Closed. Unable to directly fill online orders but lists with Bookshop.org.

Dog Eared Books - San Francisco. Valencia location in store to take your calls between 10 a.m. and 2 p.m. every weekday. Taking orders on Bookshop.org for direct home shipping, and online orders in store. Sells gift certificates. Has a GoFundMe.

Green Apple Books - San Francisco. Closed. Taking online orders. Free shipping on orders over $25. Partnered with Libro.fm. Is selling “Stay Home Read Books” shirts and gift cards.

The Last Bookstore - Los Angeles. Open by appointment, taking online and emails orders, offering curated gift bags, still accepting donations and buying used books

Leigh’s Favorite Books - Sunnyvale. Closed. Online reservations. Contactless local delivery. Accepting direct donations.

Omnivore Books - San Francisco. Closed. Phone and online orders. Limited pick-up hours. Shipping.

Recycle Bookstore - Campbell and San Jose. No information.

A Shop Called Quest - Phone orders, curbside pick up, shipping options. Also selling gift cards

Skylight Books - Los Angeles. Taking online orders and shipping with limitations.

Vroman's Bookstore - Pasadena. Online orders under $75 for shipping only. Partnered with Libro.fm, MyMustRead, and Corkcicle. Selling gift cards and taking financial donations.

Connecticut

That Book Store - Wethersfield. Open. Curbside pickup, free delivery available. Partnered with Libro.fm. Has a GoFundMe.

Florida

Vero Beach Book Center - Vero Beach. Open for curbside pickup. Still giving recommendations and retrieving in-store stock.

Georgia

Book Nook - Decatur. Open.

Eagle Eye Books - Decatur. Closed to browsing. Taking online and phone orders, curbside pickup.

Little Shop Of Stories - Decatur. Closed to customers until April 8, but allowing store pickup. Online and phone orders. Free home delivery in 30030 and neighboring zip codes. Partnered with Libro.fm.

Tall Tales - Decatur. Open.

Illinois

57th Street Books - Closed. Taking online orders.

Anderson’s Bookshop - Naperville, Downers Grove, and LaGrange. Online orders temporarily suspected due to volume. Downers Grove taking phone orders and has curbside pickup. Sells gift cards. Has a GoFundMe and is partnered with Libro.fm.

The Book Table - Oak Park. Closed. Direct shipping from distributor. Selling gift cards. Answering emails.

Bookie's New and Used Books - Chicago. Closed for in-store browsing. Taking online orders. Delivery within five-mile radius, curbside pickup. Also sells through Bookshop.org and is partnered with Libro.fm. Sells gift cards and ebooks.

Myopic Bookstore - Chicago. Closed.

Quimby’s - Closed at least to end of March. March and April events cancelled. Taking online, email, and phone orders, shipping, curbside pickup. Offering recommendations on Zoom.

Powell’s Books - Chicago. No information but takes online orders.

Sandmeyer’s - Chicago. Closed. Taking phone and email orders.

The Scarlet Page - Oregon. Closed. Doing curbside delivery. Selling book bundles at flat prices. Has a GoFundMe.

Unabridged Bookstore - Chicago. Closed to the public. Taking online orders, shipping. Sells gift cards.

Women & Children First - Chicago. Closed until May 1. Taking online orders and shipping. Preorders available. Partnered with Libro.fm. Doing poetry events on Instagram and other virtual events elsewhere.    

Iowa

Prairie Lights - Iowa City. Closed to the public. Taking phone and online orders. Free local delivery, curbside pickup, shipping free over $50 within the continental US.

Kansas

Book-a-Holic Bookstore - Wichita. Open, offering curbside pickup.

Eighth Day Books - Wichita. Taking orders and shipping.

Rainy Day Books - Fairway. Open. Taking phone and online orders. $5 priority mail under $75, free shipping over $75. Offering phone recommendations.

Raven Book Store - Lawrence. Taking email and online orders. Free local delivery. $1 shipping across the US. Has book subscriptions.

Watermark Books and Cafe - Wichita. Open. Taking online orders, $3 shipping within continental US, curbside delivery of books and food. Sells eBooks and audiobooks.

Kentucky

Nanny Goat Books - Louisville. No information.

Maryland

The Book Escape - Baltimore. Closed. Taking orders, shipping daily, offering free delivery.

 The Book Thing of Baltimore - Baltimore. Closed. Soliciting ideas for safely giving away books during social distancing and looking for satellite bookshelves. Accepting financial donations.

The Ivy Bookshop - Towson. Closed. Taking phone and online orders, shipping, offering phone recommendations.

Massachusetts

Brookline Booksmith - Boston. Closed. Taking phone and online orders, shipping. Recommendations on social media.

Harvard Book Store - Boston. Closed until April 7. Online orders. Shipping. Offers print-on-demand services. Events cancelled.

More Than Words - Boston and Waltham. Stores and events currently closed. Still accepting book donations.

Trident Booksellers and Cafe - Boston. Store and cafe closed to public. Events cancelled. Shipping within US. Food delivery and pick-up. Sells gift cards and partnered with Libro.fm.

Wellesley Books - Wellesley. Taking online orders, direct shipping from distributor. Partnered with Libro.fm. Sells gift cards.

Michegan

Bookbug and This Is A Bookstore - Kalamazoo. Closed, taking orders, providing reading lists. Has launched a book subscription service and is accepting donations.

Kazoo Books - Kalamazoo. No information.

Literati Bookstore - Ann Arbor. Closed until April 13. Processing current orders and sending incoming orders through a distributor that ships. Has a GoFundMe.

Minnesota

Dreamhaven Books - Minneapolis. Open, taking phone and email orders, $10 care package within the US.

Excelsior Bay Books - Twin Cities. Closed for browsing. Taking online and phone orders, giving phone recommendations, curb-side pickup, shipping. Selling audiobooks and gift certificates.

Red Balloon Bookstore - Twin Cities. Closed. Giving recommendations by phone. Parking lot pick-up, free shipping, orders $20 free delivery in neighbourhood.

Wild Rumpus Bookstore - Twin Cities. Closed. Taking online orders, offering curbside pickup, free shipping or delivery on orders over $10.

Mississippi

Lemuria Books - Jackson. Taking online and phone orders, offering curbside pick-up and shipping. 

Montana

Vargo’s Jazz City and Books - Bozeman. No information.

Country Bookshelf - Bozeman. Closed to browsing. Open for pick-up orders, prefers curb delivery, local delivery, or shipping. $1 shipping nationwide. Taking online and phone orders, acting as personal shoppers.

Isle of Books AKA Used Book Emporium - Bozeman. Open. Taking phone and online orders. Curbside pickup and shipping. Doing short readings on Facebook.

New Jersey

Words Bookstore - Maplewood. Events postponed to April 25. No other information. Has webstore.

The Book House - Millburn. Online orders. Selling subscriptions, gift cards, and gift baskets. Offering email recommendations. Partnered with Libro.fm.

New York

Bluestockings - NYC. No information, has webstore.

The Book House of Stuyvestant Plaza/Market Block Books - Albany. Closed. Events to be rescheduled. Online orders, direct shipping from distributors. Partnered with Libro.fm.

Book Culture - NYC. Some locations closed, all closed to browsing. Taking online orders, shipping. Pickups uncertain. International shipping. Buyback suspecting but accepting book donations.

Books of Wonder - NYC. Offering digital storytime.

The Corner Bookstore - NYC. Events cancelled through April. Phone and email orders, free local delivery. Customizes gift baskets. Allows customers to open an account. Sells gift certificates.

Dashwood Books - NYC. No information

Greenlight Bookstore - Brooklyn. Closed to the public. Online orders shipping from supplier, free over $100.

Housing Works - NYC. Bookstore and cafe closed. Clinics still open. Taking financial donations for the organization as a whole. Sells gift cards.

Kitchen Arts and Letters - NYC. Closed. Filling phone and mail orders.

The Lit Bar - NYC. Online orders, shipping, curbside pickup by appointment. Partnered with Libro.fm.

Midtown Comics - NYC - Open, taking online orders, currently running a 20% off everything sale until March 31st

The Mysterious Bookshop - NYC. Closed. Shipping all orders when business ban lifted.

Revolution Books - NYC. Closed to public. Still providing information and analysis, and online programming.

Shakespeare & Co. - NYC. No information, but webstore and free shipping.

Spoonbill and Sugartown - NYC. Taking email orders and shipping.

The Strand - NYC. Closed, taking online orders.

Three Lives and Company - NYC. Closed and not currently processing orders.

North Carolina

The Book Lady - Munroe. No information.

Bookmarks - Winston-Salem. Taking phone and online orders including preorders, curbside pickup, free shipping over $25. Offers memberships, gift cards, and subscriptions. Partnered with Libro.fm, sells ebooks. Taking donations.

The Captain’s Bookshelf - Asheville. No information.

Epilogue Book Cafe - Chapel Hill. Closed. Online orders, $3 shipping. Partnered with Libro.fm

Firestorm Co-op - Asheville. Open. Taking online orders. Events cancelled till end of March. $1 shipping.

Flyleaf Books - Chapel Hill. Closed. Online and phone orders, curbside pickup and $1 shipping through April.

Island Books - Kitty Hawk. No specific information but does online orders.

Malaprops Bookstore/Cafe - Asheville. Online and phone orders. Events and book clubs suspended to May 15. Home delivery throughout Buncombe Country with two book minimum, free shipping over $50 and free delivery downtown, curbside pickup. Exploring subscription services and digital content. Directing donations to the Book Industry Charitable Foundation (BINC)

Quail Ridge Books - Raleigh. Closed to the public Weds and Thurs. Taking online orders. All March events cancelled. Free media mail shipping to continental US.

The Regulator - Durham. Closed to customers. Phone and online orders. Curbside pickup, reduced shipping nationwide. Sells gift certificates.

Ohio

The Book Loft - Columbus. Closed till April 6. Taking online orders, shipping for $4.99.  

Oregon

Black Sun Books - Eugene. No information but putting their stock online.   

The Book Bin - Corvallis and Albany. Open. Phone orders. Free home delivery and curbside pickup.

Browser’s Books - Corvallis and Albany. Closed to public, open by appointment. Taking phone, email, and messaging orders, and posting shelfies for online browsing. Free shipping in Oregon over $15. Curbside pick-up.

Dudley's Bookshop Cafe - Bend. Closed. Taking email and Facebook orders, doing deliveries. Partnered with Libro.fm.

Grass Roots Books - Corvallis. Faking phone and online orders. Free shipping, curbside pickup. Launching an “Irregular” newsletter.

J Micheal's Books - Eugene. Closed, curbside and local home delivery.

Powell’s Books - Portland. Closed through April. Free shipping for over $25

Smith Family Bookstore - Eugene. Closed. Taking phone and online orders, allows pickup, also shipping.

Tsunami Books - Eugene. Taking phone, email, website, online, and Facebook orders. Curbside pickup. Accepts checks and cash. Free shipping anywhere in the US.              

Pennsylvania

Towne Book Center & Wine Bar - Collegeville.  Closed. Online orders. Free standard shipping in the US. Sells gift cards. Partnered with Libro.fm and MyMustReads. Some book clubs meeting digitally.

Tennessee

Parnassus Books - Nashville. Closed to public. Taking and shipping orders. Events cancelled until April 10.

Vermont

Star Cat Books - Bradford. No information. Takes donations.

Washington

Brick and Mortar Books - Redmond. Closed. Taking online orders.

The Elliott Bay Book Company - Seattle. Closed until March 31, taking phone and online orders, taking curbside pickup, limited home delivery, free delivery for over $50, free shipping within US.

Imprint Books - Port Townsend. Closed to browsers until March 31. Taking phone and email orders. Direct-to-home shipping for $2, free over $30. Giving recommendations. Partnered with Libro.fm. April writing workshops now on Zoom.

Left Bank Books - Seattle. Closed to the public. Taking phone and online orders (including for store credit), shipping daily.

Lion Heart Books  - Seattle. No information.

Magus Books - Seattle. Closed as of March 26. Taking phone and email orders, shipping

Main Street Books - Monroe. Closed to browsing. Stock listed on spreadsheet, Amazon. and Bookshop.org. Free shipping. 20% off gift cards.

Mercer Street Books - Seattle. No information.

Ophelia's Books - Seattle. Closed to the public. Available for phone or email orders that can be shipped or picked up during limited hours.

Secret Garden Books - Seattle. Closed until at least April 7 and not processing orders until then.

Third Place Books - Seattle. Taking orders, free shipping to March 31.

Twice Sold Tales - Seattle. Open weekends, selling gift certificates, has a GoFundMe

Uppercase Bookshop - Snohomish. Closed to browsing. Taking online orders. Shipping and delivery. Sells gift cards. Partnered with Libro.fm and MyMustReads.

William James Bookseller  - Port Townsend. Closed.         

ONLINE-ONLY

Absinthe Books

[adsthumbsblog]

Steps on How to Properly Post Classified Ads Online

Any advertisement can be successful if implemented properly. Here are some tips on how one can be able to effectively post classified ads online:

1. Post classified ads in the right category. There are many instances that advertisers fail to get any positive responses from clients because they fail to place their ads on the proper site or incorrect groups. Remember that most ads in the site you are into have many clusters and they are often times correspondingly marked like the others. So when placing your ads, make your titles or headings specific in order to distinguish it from the others.

2. Check on the contents before you post classified ads online. Never let your customers entertain the idea that you deceived them. Placing catchy titles but very poor content will lead to a disastrous marketing. It will surely spell the end of your reputation as an advertiser. Always focus on your product's positive features and describe it in any manner that's both convincing and factual.

3. Write a complete deal for your products, goods or services to be marketed. Never forget to include the correct contact information, prices that include shipping costs or discounts and a picture that is of good quality. Be brief, concise and complete in describing your product and do away with immaterial statements.

4. To simply post classified ads online without a thorough understanding of the process involved in online classified advertising is a major kill in your business. It needs preparation and hard work to really put up good quality online ads. Aside from the correct information that should be posted, also mention the most accessible way on how your client can get in touch with you regarding any inquiries about your products, goods or services advertised in the net. Review your contact numbers or email address so as not to instill any mistake or confusion from your clients.

5. As for product payments, you should expressly display the procedure of how your client can pay you whether it be cash, credit card or check. Also mention the designated places for offline payments in your site to avoid doubts.

When you post classified ads online, your goal should be fixed in making your products, goods or services known to your clients. To draw the reader's attention and interest by letting them learn more about it would be very beneficial to increase their desire in purchasing your products, goods or services posted online.

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[youngpostdinosaur]

Advantages of Online Bookkeeping Accounting Services

Bookkeeping is a significant work for all small as well as large business and require extra effort and care. Bookkeeping is one of the most vital features of any company. For a perfect maintenance of business accounts in an organization, bookkeeping and the account books maintenance is of highest importance. For the reason that the market circumstance is for all time variable and you do not know which way it will turn. It is responsible for organization and tracking financial operations and assists to take financial conclusions. Bookkeeping is inclined to name a task that is to stay records of transactions that go through every day.

Best bookkeeping Saskatoon

Now a days bookkeeping and financial accounting is important to all small size and also large size organization. However, bookkeeping must be complete carefully. In fact, online bookkeeping is the reference through which one can know regarding the demand for the company. In general, an online bookkeeping service task includes recording business assets, liabilities, income and expenses in the day-books, journals, and ledgers chronologically. No matter your business is small or large, you necessitate professional and expert bookkeeping service to manage records.

 Online Bookkeeping Accounting Services:

 o Accounting Reconciliation

o Budgeting

o Cash Flow Management

o Credit Card and Bank Reconciliation

o General Ledger Maintenance

o Inventory Reconciliation

o Payroll Processing

o Payroll Administration

o Taxation Services

o VAT Services

 Outsourcing bookkeeping service providers are an experienced and able to handle all type of bookkeeping and financial accounting software available in market. Therefore, it is a wise idea to outsource the bookkeeping. By online bookkeeping outsourcing, you will enjoy profits like reduced cost of labor, more flexibility, and improved quality of work.Visit www.786accounting.com

 Taking the assist of bookkeeping outsourcing is possibly one of the smartest moves by any business owner. It is always a good thing to get the help of this service, because it provides the most excellent solutions and assists to increase business in the right way.

Resource

[online-accountant]

Advantages of Online Bookkeeping Accounting Services

Bookkeeping is a significant work for all small as well as large business and require extra effort and care. Bookkeeping is one of the most vital features of any company. For a perfect maintenance of business accounts in an organization, bookkeeping and the account books maintenance is of highest importance. For the reason that the market circumstance is for all time variable and you do not know which way it will turn. It is responsible for organization and tracking financial operations and assists to take financial conclusions. Bookkeeping is inclined to name a task that is to stay records of transactions that go through every day.

Best bookkeeping Saskatoon

Now a days bookkeeping and financial accounting is important to all small size and also large size organization. However, bookkeeping must be complete carefully. In fact, online bookkeeping is the reference through which one can know regarding the demand for the company. In general, an online bookkeeping service task includes recording business assets, liabilities, income and expenses in the day-books, journals, and ledgers chronologically. No matter your business is small or large, you necessitate professional and expert bookkeeping service to manage records.

 Online Bookkeeping Accounting Services:

 o Accounting Reconciliation

o Budgeting

o Cash Flow Management

o Credit Card and Bank Reconciliation

o General Ledger Maintenance

o Inventory Reconciliation

o Payroll Processing

o Payroll Administration

o Taxation Services

o VAT Services

 Outsourcing bookkeeping service providers are an experienced and able to handle all type of bookkeeping and financial accounting software available in market. Therefore, it is a wise idea to outsource the bookkeeping. By online bookkeeping outsourcing, you will enjoy profits like reduced cost of labor, more flexibility, and improved quality of work. Visit www.786accounting.com

 Taking the assist of bookkeeping outsourcing is possibly one of the smartest moves by any business owner. It is always a good thing to get the help of this service, because it provides the most excellent solutions and assists to increase business in the right way.

Resource

[amits4g2]

Top 10 Tips for Choosing a Web Designer for Your Business Web Site

How to Choose a Web Design Firm

Simple. You do your homework on them. Then, you start asking questions and taking notes. There are plenty of web designers available. You want to go with the best because, in fact, your web designer is in essence your partner. You want to choose a designer that takes YOUR business seriously.

What questions do you ask?

There are several important questions to ask when choosing a web designer for your business web site.

Creating your web site can be a tricky process. Choosing the best web design firm for your business web site is a very important decision. And if your company is like most small businesses, you probably do not have web design experience. Building your web site will take time and work. And working with a web designer is no easy task. So choose the right web design company from the start and avoid do-over's, which can be costly and time consuming.

1. What kind of web experience do you have?

For starters, find out what kind of design experience your potential design firm has. Do they have experience with content management systems such as Joomla or Drupal, do they have experience working with "raw" HTML? Has the web design company created web sites similar to yours? Do they have relevant industry experience? If you want to sell products through your web site and accept credit card payments, does the web design company you are considering have experience with ecommerce hosting?

2. Do you have a portfolio that I can review?

An experienced web design company will have a solid portfolio of web sites that they have created for other clients. Ask for links to other site the design company has created and review each one. Do you like what you see? Do the sites have a style that appeals to you?

3. Do you have any references?

In addition to reviewing web sites, ask for customer references. Contact their clients and ask them about their experience with the web design company. Were they happy with the results? Did they get what they paid for? How much did they pay? Would they recommend them? How long did it take? What didn't they like about the company? How responsive was the company when they had questions?

4. What are your prices?

The most important step in pricing is to make sure the potential design company outline all of the prices associated with the work and puts it all in writing. Never enter into a deal unless all of the costs are well understood up front.

Ask them a bit about how they manage payments. If they respond in a very business-like and professional manner, this is a good sign. If they throw out answers like - "Don't worry, we'll manage" or "Whatever you are comfortable with", don't be fooled. This is trouble waiting to happen. Get the price in writing before you begin the project.

5. Do you have experience with search engine optimization?

Most small business owners do not have it in their budget to hire a separate marketing firm to work on search engine optimization (SEO), so it imperative that your web designer have experience in SEO. A good designer will know that design and SEO go hand-in-hand. Designing a web site for search engines with "clean" code that utilizes cascading style sheets is essential to getting your content indexed in the leading search engines, such as Google and Bing.

6. Do you have experience with social media marketing?

Many marketing firms do know the first thing about social media marketing. These firms are stuck in the past and are not as effective as they pretend to be. Be sure that you work with a designer that knows how to setup a Facebook fan page for your business and design a customized Twitter profile. This is important because you will want your social media properties to mesh with the design of your web site. The web site and social media pages should complement one-another.

7. What is your process for designing or building a web site?

Make sure you ask your potential web design company about the process that they use? Do they design a web site or do they build a web site? An experienced Internet professional should understand the difference between these two concepts. If they don't, they're probably not as experienced as they claim to be. Building a web site is a highly technical process, while designing a web site is a highly creative process. Many advertising firms specialize in web site design which does not necessarily require any web development skills whatsoever. At the same time, many firms design web sites, yet out-source the creative portion of the project. Find out from the beginning what the process if for the firm that you are considering.

8. How long will it take?

Perfectionism can be a huge stumbling block in the fast paced world of the Internet. Some designers are unable to compromise between quality and time to market needs. Test: See how long it takes until you receive a proposal.

9. What type of support is offered after web site launch?

If your design firm does not offer web site maintenance, you might want to continue looking. Most reputable design firms will offer "post-launch" maintenance for companies that do not have an in-house webmaster.

10. Which web hosting providers do you work with?

If your design firm does not know the first-names of the contact at their favorite web design firm, then this should raise a red flag. Most reputable web designers know not to choose a web host simply because they are the most popular or because they offer the cheapest web hosting. A reputable web design firm should know who to call and how to get results! Does your web designer work with a green hosting company? Environmentally-friendly web hosting is becoming more and more popular for business web sites looking to implement an eco-policy.

Getting a little recognition on the W3 is hard, even in a niche market (especially in a niche market). You have less than 10 seconds to convince a site visitor to stick around long enough to learn about the quality of your services, your products or your message. Web surfers are jagged out on information overload. If they don't see what they want to see on your home page or a landing page, they bounce. So, making a statement about your corporate culture and your business' core values has to happen in the blink of an eye. Visitors will never even see the "About Us" page if you don't create a good impression - in 10 seconds. So, go green! An emblem or banner proclaiming that you employ green hosting makes an immediate statement about your on-line business. It says you care about the environment.

Do your homework when choosing a web design firm.

Good designers are creative people that need to think out of the box. Finding a good web designer is getting harder and harder. The good designers are being snatched by agencies and large projects. They are overloaded with work and often, you won't know about them because they don't have time (or need) to market themselves. Doing your homework and asking the right questions is important to decide if they are right for the job.

S4G2 Marketing Agency Will be Best Choice If You Looking For Web Designer in Canada cities Mentioned below:

Web Designer Abbotsford

Web Designer Barrie

Web Designer Brantford

Web Designer Burlington

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Web Designer Cambridge

Web Designer Coquitlam

Web Designer Delta

Web Designer edmonton

Web Designer Greater Sudbury

Web Designer Guelph

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Web Designer Kelowna

Web Designer Kingston

Web Designer Kitchener

Web Designer London  Ontario

Web Designer Markham

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Web Designer Red Deer

Web Designer Regina

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Web Designer Surrey

Web Designer Thunder Bay

Web Designer toronto

Web Designer vancouver

Web Designer Vaughan

Web Designer Waterloo

Web Designer Windsor

Web Designer winnipeg

[canadian-tax-refund]

No fraudulent purchases

Fraud; Deceit; Trickery, An Imposter, a Cheat. To put it lightly, not a nice person.  If you’ve ever been a victim of fraud, you’re not alone. I had my bank account emptied right before Christmas one year when my daughter was little- I eventually got it back, but if it wasn’t for my mom still being around to lend me the money while I waited, I would have had to explain to my 5-year-old daughter…

[canadian-tax-refund]

100 Free Custom Gift Cards of your store With Your Poynt POS

100 Free Custom Gift Cards of your store With Your Poynt POS

100 Free Custom Gift Cards of your store With Your Poynt POS 100 Free Custom Gift Cards of your store With Your Poynt POS When your POS arrives, it comes with 100 custom gift cards for your location. A picture of your store or your logo – you pick whatever you want. There is no cost to set up your free cards. There is no costs for the app that you can easily install on your POS (a smart phone).…

[canadian-tax-refund]

Free Gift Cards With The Clover POS 2021

Free Gift Cards With The Clover POS 2021

Free Gift Cards With The Clover POS 2021 100 Free Custom Gift Cards of your store With The Clover POS When your  POS arrives it comes with 100 custom gift cards for your location. A picture of your store or your logo – you pick whatever you want. There is no cost to set up your free cards. There is no costs for the app that you can easily install on your POS (a smart phone ) Unlimited…

[saskatoon-debit-machine]

saskatoon-debit-machine published on https://saskatoon.debitmachine.mobi/free-gift-cards-with-the-clover-pos-2021/

Free Gift Cards With The Clover POS 2021

Free Gift Cards With The Clover POS 2021

100 Free Custom Gift Cards of your store With The Clover POS

When your  POS arrives it comes with 100 custom gift cards for your location. A picture of your store or your logo – you pick whatever you want. There is no cost to set up your free cards. There is no costs for the app that you can easily install on your POS (a smart phone )

Unlimited Transactions (gift cards)

Low Monthly Program Fee $17.00 per month

Factor4 is fully integrated

We will beat your current processing rates and provide 100 pvc custom (plastic) gift cards at no extra costs. Price For Cards After You Get The Free Ones

The benefits of gift cards to your business Apply Here Site For Business Owners more links Our Free POS– No Gift Cards

Our deal with Poynt POS

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[saskatoon-debit-machine]

saskatoon-debit-machine published on https://saskatoon.debitmachine.mobi/500-cash-now-and-save-500-this-year/

$500 Cash Now and Save $500 This Year

Sign up with our rent to own plan from First Data’s Deal Get approved for the merchant account and get $500 cash in your bank.

Save $500* this year on credit card processing from debitmachine.mobi With great deals on fees 

we are assuming you are doing a volume of business. if you are doing $10 per month we can’t save you $500

This ISO that is marketing their merchant account Canada wants to add new customers. Once their quota is met this offer ends. As Long as this page is up they are still looking. Free assessment of your provide merchant statements.

QUAL RATE: 1.19% VISA MasterCard QUAL RATE: 1.9%  AMEX NON-QUAL: 0.04% DEBIT: $0.04 MONTHLY FEE: $5.00

Link to samples of money saved

You need —-

Void cheque with a name printed on the top Photo Id ( such as a driver license) Proof that the business exists

Apply online or call

Accept VISA at your store! We can get you approved for a POS debit card machine

-We are a sales agent -You will be dealing with the bank directly -Application can be e-mail. No on site visit required. -Unit sent via FEDEX

——————————————————

All our POS Terminals are manufactured by brand names like Verifone , Hypercom and Ingenico, industry leaders in providing reliable and efficient equipment for debit and credit card payment processing, and are made to last. Our Credit and Debit Card Terminals are small and affordable, with fast processing speeds and built-in thermal printers, allowing quick and easy customer transactions. Perfect for all types of Retail, Restaurant and Service industries. Choose from TableTop, Wireless Bluetooth, Wireless GPRS Mobile models

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[saskatoon-debit-machine]

saskatoon-debit-machine published on https://saskatoon.debitmachine.mobi/two-clover-pos-for-price-of-one/

Two Clover POS For Price Of One

Two Clover POS For Price Of One

Offer expires – Limited to 2021

Agree to lease at $59.99 a Clover POS (First Data) and get a second Clover POS at no extra costs. $29.99 per unit

Qualified rate VISA and MasterCard 1.17% Non qualified 0.40% Debit 3.5 cents Monthly fee $7

From debit machine.mobi 888-212-1292

Apply Online Here

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[saskatoon-debit-machine]

saskatoon-debit-machine published on https://saskatoon.debitmachine.mobi/free-gift-cards-with-the-clover-pos/

Free Gift Cards With The Clover POS

Free Gift Cards With The Clover POS

When your Clover POS arrives it comes with 100 custom gift cards for your location. A picture of your store or your logo – you pick whatever you want. There is no cost to set up your free cards. There is no costs for the app that you can easily install on your Clover POS (a smart phone )

Unlimited Transactions

Low Monthly Program Fee $15.00 per month

Factor4 is fully integrated with Clover®

We will beat your current processing rates and provide 100 pvc custom (plastic) gift cards at no extra costs. Price For Cards After You Get The Free Ones

The benefits of gift cards to your business – Site For Business Owners

[saskatoon-debit-machine]

saskatoon-debit-machine published on https://saskatoon.debitmachine.mobi/how-to-accept-credit-card-payments-without-a-merchant-account/

How to accept credit card payments without a merchant account

How to accept credit card payments without a merchant account

It seems that merchants are always held responsible for fees when a customer pays with a credit card. In some cases, like with government tax bills, lawyers, dentist the customer can be charged the merchant fees and has no choice but to pay them, but it’s unusual that a visa processing fee can just be tacked onto a bill. Until NOW. We can do this for you. This service gives you the option of having the fees come up on the consumers end and no costs to the billing merchant.  When you are billing in the thousands and tens of thousands of dollars, merchant fees can make a huge dent in your profits by the end of the year. 

Marketing, rent, advertising, payroll, utilities, insurance, licensing, certification, it seems like the monthly costs of running a business never seem to end, and the bills just keep coming. The last thing you need is the added cost and hassle of renting or buying POS terminals, and the terminals are the least of your worries. When you have your own POS terminals, it actually costs money to make money. It shouldn’t cost you money to sell your own product or service, especially when you are already considering the money you have to put into your enterprise. Worrying about overhead and taxes, with few customers paying in cash, you now have the added bonus of paying a processing fee on top of everything else.

Cash is no longer king- Plastic is. If you don’t accept Visa and Mastercard, you can say goodbye to most of your potential clientele today, and your business as a whole tomorrow.

One has to consider the processing fees for credit card payments. A few percentage points may seem small, but after a number of large orders, it really starts to add up.

If you sold $23,000 at the Amex rate 1.9%, you would have to pay $437 in fees. What if, instead of being like the Visa merchant next door, with his rented POS terminals, worrying about how each time a credit card is processing, the swipe rate means additional monthly costs, you actually get to keep the entire $23000?

Think of an ecommerce web site that surcharges the customer the costs of accepting the credit card.