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As ‘Buy Canadian’ grows, more US companies say retailers turning away their products
(www.reuters.com)
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Microsoft is currently robbing Canadians.
Every year, they are overcharging the Federal Government, Provinces, Cities, Universities, Hospitals and Small Business owners for the right to use Microsoft Office. They make 40% margins. It's absolutely disgusting.
Microsoft has basically managed to tax every single Canadian.
If you go to a Canadian University, whether you like it or not, you are paying the Microsoft tax. Because your tuition is paying Microsoft. If you pay provincial taxes, you pay the Microsoft Tax. Whether you like it or not, the provinces are paying Microsoft. If you go buy food at the supermarket, whether you like it or not, you are paying the Microsoft tax. Because Canadian supermarket companies are paying Microsoft. You want to buy a bus ticket ? You are paying Microsoft. The Bus company is paying Microsoft.
It's parasitism. Microsoft is a parasite that feeds on the Canadian economy.
I now use Libre Office.
👉 https://www.libreoffice.org/
It's a wonderful alternative to Microsoft Office. It's free, secure, and developed by a non-profit organization that I financially support. I urge people to switch to Libre Office instead of Word/Excel/PowerPoint.
After a few days, you quickly get used to it. Then you just wonder "Why we are all paying Microsoft so much money in the first place?".
We need Canadian institutions, small and big, to do the same. Stop paying the Microsoft tax. Fight the Parasite.
Don't forget to stop using your credit cards! They're all American an take a percent of all transactions.
Yes, Interac debit is an alternative in many situations, and that's a Canadian company.
i don't get cashback on debit
Cashback is stealing from the poor to give to the rich.
I have a CC while being an EU citizen. Main reason is calamity while traveling, it's just accepted at so many places so it could bail me out. I still buy 99,99 % of my stuff debit though, I don't need most purchases ensured, also i don't like doing my finances one month behind, I like it one month ahead, so paying my CC bills after 30 days is a net negative for me.
Do I understand correctly that 'cashback' is the fact that if you return stuff, you get the refund cash and not wired to your account/digitally put back on the debit card? If so, can you explain the importance of that for your situation? If not, could you explain to me what 'cashback' means in this context?
No, cashback is literally a "use this credit card and we'll give you 1% of your money back as a reward" then they charge the vendor 3% to process the transaction.
but you can easily get more than 1%. You can easily get 4% for stuff like gas and groceries. It adds up to quite a bit over the course of a year
Yes and no, those rewards increase the prices charged by the retailer.
Then the credit card company's ban charging extra to cover that.
It's inherently a monopolistic exploit.
Oh, ok.. gosh... Thanks for explaining.
I'm not the person you were asking, but:
Source: https://www.ratehub.ca/blog/best-cash-back-credit-cards-in-canada/
Of course, they wouldn't be doing this if you weren't paying them at least the refunded amount somewhere else - through fees, or through people's average interest payments, or through price increases applied by the stores to cover the fees they pay to the credit card companies.