Foreign Perspectives

Actually, no, it isn’t.

Obviously you can take it as read that it will be much warmer in the south of France during the Summer than it is in the UK but once you get into the December to February period it’s almost always the reverse situation that applies.

For instance, in the last week I was running around Belfast sweating with the heavy coat that you’d think would be required at this time of year in Northern Ireland yet in fact that coat is the one that you actually need in the south of France at the moment.

So, don’t just make the assumption that if it’s warmer somewhere in the Summer that it will be just as much warmer in the rest of the year because often it isn’t.

Amazingly many B&Bs still don’t accept credit cards and thereby end up losing business as many people prefer to pay directly with a card than to have to pay extra charges to lift cash abroad.

But, how do you do it?

Well, there are basically two ways that a B&B or self-catering complex can operate with a credit card.

1. Accept cards solely for deposits; and
2. Accept cards for all payments.

Naturally, it’s possible to start off just taking card payments for deposits and move onto accepting them for all payments. In fact, it’s useful to do exactly this to try out card payments for your business.

If you’re only taking card payments for deposits then you don’t need to sign up with a bank. The simplest way is to sign up with paypal for a business account. Payments received will cost you 3.4% plus 20p so if you take £10 will cost you about 54p (5.4%), £100 will cost £3.60 (3.6%) and £1000 will cost £34.20 (3.42%). These charges are similar to those that a small business would pay were they to do credit card processing via their bank in the UK but somewhat higher than the typical 0.75% for banks in France.

From these figures you’ll see that it’s best to use paypal for deposits. That way a typical 25% deposit will effectively cost you under 1% of the total bill for paypal processing.

You could use paypal to accept all payments but you would need your bookings to be paid 100% in advance to do that as you can’t easily use the paypal system to make on the spot payments (if you really have to you can do it by having the guest logging in using your Internet access and making the payment). So, if you want to accept all payments by card, then you need to get the little credit card machine.

To get a credit card machine setup you need to have a business bank account and, in most cases, have had it for six months although for B&B and self-catering properties the bank will normally waive the six months requirement. In France, you’ll need to be registered and provide your KBIS.

Costs for this vary a lot. You can buy your own machine but they’re rather expensive (typically £300/‚€500) and therefore most people rent them from the bank (around £20/‚€30 per month). In most cases you’re better to opt for a fixed installation as the portable terminals can cost 50% more. Other things to consider are which cards you’ll accept. Normally Visa/Mastercard are sufficient (and will include Visa Electron and Maestro). American Express is becoming more popular but is usually more expensive than other cards. If you get a lot of Japanese then it’s probably worthwhile taking JCB. You can even accept various storecards but unless you’re in a shopping centre it’s probably not going to be worth the extra expense.

How do you do it? Open a business bank account then apply for the credit card facility at your bank.

One thing to watch is that you will need Customer Not Present enabled. This lets you charge cards without having the credit card in your hand. You’ll need this to take deposits.

Is it worthwhile doing though? Yes, it is. Sure it will cost you more but you can take that into account in your pricing. If you assume that a credit card payment will cost you 4% then adding as little as 2% to your prices will pay for it all in that not everyone will pay by card and many of those that do will use a debit card which’ll cost you less. So, if you’re charging £50/night that equates to adding £1 to your charges. Incidently, don’t try adding that £1 only to credit card customers as you’ll just end up driving them away.

How to get started is something that stops many people from running a blog to begin with or pushes them onto the relative deadend of one of the blogging sites.

However, it doesn’t need to be like that because it’s really quite easy to start a blog with your own domain and can cost as little as $45/£25 per year. Going down this route gives you a LOT more control over your blog.

Won’t it be terribly complicated? No, it’s pretty simple really and there’s a series on how to do it over on MumsFinance.com so I’ll not run through all the details here. The basic steps are:

1. register a domain;
2. sign up with a hosting service;
3. install the blogging software;
4. start writing your blog

You might think that step 3 is going to be very complex but it’s described in easy steps in the series.

To be fair, that’ll get you a very basic looking blog but it’s best to start simple. Once you’re happy that everything is working fine you can look around for different themes (the appearence) for your blog but it’s not essential to do that and many blogs run with the simple default theme.

Google’s widespread dropping to zero of the pagerank of sites that accepted payment for links has kicked off quite a debate on the issue on various sites including their own webmaster blog.

For technical reasons, they would much prefer that all links between sites on the Internet are purely for altruistic reasons with no payment or other persuasion used. That was, to some extent, the case when Google Inc started up and when the initial university research project that led to the creation of Google Inc began but that’s eons ago in Internet time.

As we all know, the Internet is full of commercial sites these days with numerous sites selling everything from books to bookings for holidays. With this in mind many personal sites are approached by commercial ones asking for a link and offering money for it. Sure, there are commercial sites that ask for a link with no money on offer, but they don’t usually get too far unless they particularly stand out from the crowd in some way.

And then there are various types of directories that abound these days. I have a particular interest in the accommodation directories in that I run several of them myself. Much as I never considered these as selling links (and my sites don’t) it would seem that in Google’s eyes even the likes of Gites de France is selling links. After all, they charge something like EUR 1000 per year for a listing and isn’t that just selling a link?

Sure, GdF and the many other accommodation listings sites have a lot of text around that link but at the end of the day, how is that different from a blog that accepts sponsored posts?

As usual when there’s a Spanish holiday, we were pretty much completely full over the last couple of days and yet nobody took a breakfast!

In some ways that suits us as it gives us a bit of a break from the need to get up very early to do the breakfasts.

But why don’t they take them though? They certainly take breakfasts in hotels in Spain so why don’t they take them in France? Although it’s hard to give a definitive answer I suspect that it has a lot to do with the absolutely pathetic excuse for a breakfast that you get in most French establishments although funnily enough the price is the same or even higher than for breakfasts in the Spanish equivalent and in Spain you get a very full breakfast for that money.

So, it’s probably down to the French not really “doing” breakfast as a proper meal.