things are definitely slower in my business. People have less discretionary spending. I will be Ok because I have been in business almost 30 years and my buildings are paid for, but its definitely slower.

The cost of credit card processing

Not manufacturing here, but I have had a smoke shop for almost 30 years

credit card processors…gggahhhhh

The FDIC insures up to 250K per depositor but my accountant told me not to have more than 100K in any one account so I have my money separated between different banks and accounts. After I make sure all my taxes are paid I put any excess amount in my portfolio and some of that (not much) is kept in CDs right now because the rates are good. You can get 6-month CDs at some pretty good rates (compared to historically) now.