The problem with pads is not everyone can pay on the 15th. On 2014-01-27 6:08 PM, "Ron" <[email protected]> wrote:
> Nah, pads don't cause any administrative work. PAD people get charged no > fee. Only people paying by cash/cheque get charged the "make more work > for Ian and Courtney" fee. If you pay in bitcoins or American money, the > fee quadrupals. > > Ron > > On 2014-01-27 17:58, Roswyne wrote: > > But it will require cancelling existing PADs and redoing them. Given our > > past issues with the bank, I'm very leery. > > On Jan 27, 2014 5:53 PM, "Aemilianus Kehler" <[email protected]> wrote: > > > > > Like that idea it's simple and it works.. > > > > > > Cheers!! > > > > > > > On Jan 27, 2014, at 5:33 PM, Ron <[email protected]> wrote: > > > > > > > >> On 2014-01-27 17:17, Brittany Postnikoff wrote: > > > >> If we allow people to pay in advance and they decide to quit, what > then? > > > > > > > > We refund them. Always have. We find a way. :) > > > > > > > > Here's another suggestion: instead of giving people a discount for > > > > paying in advance, why don't we charge people an administrative fee > > > > whenever they pay us? If they pay us monthly, it's $45. If they pay > for > > > > 6 months, it's (6*$40) + $5. etc. That more accurately reflects the > real > > > > world. :) > > > > > > > > Ron > > > > > > > >> know the natural response to this idea is that we give them their > money > > > >> back, but this is not always easily done as funds may be tied up > > > elsewhere. > > > >> SkullSpace is stable and will be able to survive on our current > earnings > > > >> plan and we do have savings, but savings does not equate to money > that > > > is > > > >> easily dispensed. When considering plans it is important to note the > > > >> extremes and whether we can ride through that easily. For example, > 10 > > > >> people pay a bunch of money up front for the year, two months later > we > > > make > > > >> an investment to the space such as a lazer engraver or what have > you. > > > Month > > > >> three those people decide to quit and all of a sudden we have to > > > dispense > > > >> over four thousand dollars to people leaving. This is a possibility > we > > > need > > > >> to be aware of. > > > >> > > > >> The other point about making a piece of software to do automation is > > > great. > > > >> Considering we are a hackerspace this is a wonderful idea! The > offer to > > > >> maybe turn this into a Ruby project is great as well. If someone > would > > > be > > > >> willing to step up and create an operations team for this, they > would > > > be my > > > >> temporary SkullSpace hero. (Until next obstacle comes and someone > helps > > > us > > > >> clear it) I for one volunteer as a tribute to help get part of this > > > done. > > > >> > > > >> I would really like to see us stay as a month to month organization > > > because > > > >> that would best display our expenses and incomes in a directly > parallel > > > >> comparison. We are not a big corporate entity that is amortizing > things > > > >> over years or other large periods, so I would like to say even in > "real > > > >> world" scenarios, which SkullSpace definitely is, that this is > likely > > > not > > > >> feasible due to the size, structure, and purpose of the SkullSpace > > > >> community. > > > >> > > > >> --BP > > > >> > > > >>> On Mon, Jan 27, 2014 at 4:58 PM, Aemilianus Kehler < > [email protected]> > > > wrote: > > > >>> > > > >>> Ian... There will always be more costs to those that can't budget > > > properly > > > >>> and prepay in advance... You'll see this in every possible business > > > >>> transaction.. Or how about we just go straight to run in a credit > > > system > > > >>> like most of the business world and offer a deal to those that day > > > their > > > >>> debt early... Perfect to get those in accounting the practice it > as it > > > >>> would be in the "real" world... One thing I never understood in > > > business.. > > > >>> Borrow from us and repay with 2 weeks and you get a better deal > than > > > just > > > >>> paying for it straight up... Uhh what? > > > >>> > > > >>> Cheers!! > > > >>> > > > >>>>> On Jan 27, 2014, at 3:44 PM, Mark Jenkins <[email protected]> wrote: > > > >>>>> > > > >>>>> On 27/01/14 03:02 PM, Ian Trump wrote: > > > >>>>> IMHO Monthly PAD is preferred - less overhead to worry about, > > > tracking > > > >>>>> anniversaries of renewal or issuing refunds. Were a Month to > Month > > > >>>>> organization. Discounts are a pain in the ass and punish those > who > > > don't > > > >>>>> have sufficient means to up front $480.00 > > > >>>> > > > >>>> Even with banking fees, anyone we can get on PAD is ideal for > > > >>> administrative reasons, but some people are always going to turn it > > > down as > > > >>> an option and pay irregularly. > > > >>>> > > > >>>> So how best to deal with them. > > > >>>> > > > >>>> Getting people who aren't on PAD to pay in bigger chucks should > reduce > > > >>> the admin overhead in dealing with them. It's not fair to > Skullspace to > > > >>> have so much admin overhead, which technology can help with, but > can't > > > >>> eliminate. > > > >>>> > > > >>>> But a 1/6 discount (10 out of 12 months example) [16%!] is going > too > > > >>> steep, enough that it does feel like a kick in the teeth to > everybody > > > else. > > > >>>> > > > >>>> Should be big enough to incentive some people who are already > paying > > > >>> irregularly every month to step up and do this (bi-monthly, > quarterly, > > > >>> annual), but not so big that we got people dropping their monthly > PADs > > > or > > > >>> big enough that people who pay irregular feel it out-paces the > admin > > > burden > > > >>> they create. Sweet spot might be closer to where those PAD bank > fees > > > are > > > >>> at, like 2%... not 16%. > > > >>>> > > > >>>> And however done, shouldn't strike me as bylaw territory, should > be in > > > >>> the board's purview. > > > >>>> (Bylaw fix needed if the board doesn't have some discretion on > this... > > > >>> not formally moving something...) > > > >>>> > > > >>>> _______________________________________________ > > > >>>> SkullSpace Discuss Mailing List > > > >>>> Help: > http://www.skullspace.ca/wiki/index.php/Mailing_List#Discuss > > > >>>> Archive: > https://groups.google.com/group/skullspace-discuss-archive/ > > > >>> _______________________________________________ > > > >>> SkullSpace Discuss Mailing List > > > >>> Help: http://www.skullspace.ca/wiki/index.php/Mailing_List#Discuss > > > >>> Archive: > https://groups.google.com/group/skullspace-discuss-archive/ > > > > > > > >> _______________________________________________ > > > >> SkullSpace Discuss Mailing List > > > >> Help: http://www.skullspace.ca/wiki/index.php/Mailing_List#Discuss > > > >> Archive: > https://groups.google.com/group/skullspace-discuss-archive/ > > > > > > > > _______________________________________________ > > > > SkullSpace Discuss Mailing List > > > > Help: http://www.skullspace.ca/wiki/index.php/Mailing_List#Discuss > > > > Archive: https://groups.google.com/group/skullspace-discuss-archive/ > > > _______________________________________________ > > > SkullSpace Discuss Mailing List > > > Help: http://www.skullspace.ca/wiki/index.php/Mailing_List#Discuss > > > Archive: https://groups.google.com/group/skullspace-discuss-archive/ > > > > > > _______________________________________________ > > SkullSpace Discuss Mailing List > > Help: http://www.skullspace.ca/wiki/index.php/Mailing_List#Discuss > > Archive: https://groups.google.com/group/skullspace-discuss-archive/ > > _______________________________________________ > SkullSpace Discuss Mailing List > Help: http://www.skullspace.ca/wiki/index.php/Mailing_List#Discuss > Archive: https://groups.google.com/group/skullspace-discuss-archive/ >
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