Surcharges – ERRRRRRRRR

When we return to the USA, Jack and I obviously go through a bit of culinary culture shock. Well Jack really doesn’t, he is the zen dude, but I get INSANE. Since I am a lazy working woman, I cook only when it is necessary. In Pontelandolfo we can enjoy a wonderful lunch for €14. That is fourteen euros for two people! Imagine lunch that is home cooked in New Jersey for less than twenty dollars for two. I can’t. If you know of a place message me.

Cooking in the Kitchens of Pontelandolfo participants enjoying adult beverages and charcuterie for about €10 a person. What does an Aperol Spritz cost at your local bar?

Forget going out to dinner near our condo in Ewing, NJ and having a drink – boom there goes a quick $150. How much for a glass of wine? WHAT, I screech at the $15 to $20 charge. In Southern italy where the wine is incredible we pay less than $5 a glass. Dinner for two in our favorite restaurant – which has linens on the tables, great food and exceptional service – with a bottle of wine may cost us about €60.

One of the reasons we spend half a year in Southern Italy is so that we can save up enough to spend half a year in New Jersey. I’m not kidding. Everything is less. Again, we live in a little hill town not a bustling tourist infested city. I complain about the cost of living in New Jersey – well not a lot because you could have a brain explosion if you thought about it and complained about it too much.

BUT WHAT REALLY PISSES ME OFF…..

Every year I take my Goddaughter to tea for her birthday. This year was no different. Since we are adults who not only know how to raise our pinkies when drinking tea but how to delicately hold a champagne flute, I made reservations at an incredible place for tea with sparkling wine. Everything was perfect. The service, the setting, the food was incredible. They even made accommodations for my inability to climb stairs and had a handicap bathroom. I have been happily raving about the place since we went. Ok, ok, I’ve been raving – so why am I talking about it in this blog/rant?

Like I learned from my Dad, the bill comes and you plop a credit card down. They take it, bring it back, you add a tip and sign. I did. We got in the car going on and on about how wonderful the place was. When I got home, Jack wanted to hear all about it. To jog my memory, I got out the receipts. Looking at the receipt I let out one of my usual FFFFFF bombs. I spent close to $300 and they charged me a $7 + service charge for using a credit card. Unacceptable. Every time we eat out in New Jersey, I complain about the credit card surcharge. I called this fabulous restaurant, told them how much I enjoyed the tea, service and ambiance and asked why they cheap out and add the surcharge. “Corporate policy.” Everyone does it. In my snootiest voice I replied, I live in Europe and there no one does it..

Hey New Jersey restaurants, I do not want to hear everyone does it!!!

California: Prohibits surcharges on credit card transactions.

New York: Bans businesses from imposing credit card surcharges.

Texas: Does not allow credit card surcharges under state law.

Illinois: Prohibits credit card surcharges in retail transactions.

Massachusetts: Bars businesses from adding surcharges for credit card payments.

Surcharges are banned in the entire European Union!

Card surcharges are not allowed!
You’re not allowed to charge your customers extra for using a credit or debit card. This applies to all card purchases (in shops and online) made throughout the EU.

europa.eu

Here is what we have in New Jersey. In 2023, Governor Murphy signed P.L. 2023, c.146 (N.J.S.A. 56:8-156.1 and -156.2) into law, which, among other things, prohibits sellers from imposing a credit card surcharge
that is greater than the actual cost to the seller to process the credit card payment.

Big freaking deal. I voted for Governor Murphy and this piece of legislation – which includes the fact that businesses have to post a sign alerting customers to the surcharge – is a big piece of bullshit. Why not have the balls to tell VISA and the other credit card folks that they shouldn’t be putting surcharges on the businesses that accept their cards. Or make the charge nominal. I mean just how many FU&^%ING billions of dollars do you need to make? The Bs bellow stand for billions!!!!!

Visa Reports Fiscal Second Quarter 2026 Results
San Francisco, CA, April 28, 2026 – Visa (NYSE: V)

  • GAAP net income of $6.0B or $3.14 per share and non-GAAP net income of $6.3B or $3.31 per share
  • Net revenue of $11.2B, an increase of 17%, or 16% on a constant-dollar basis
  • Growth in payments volume, cross-border volume and processed transactions was strong

Thank you for listening. If the surcharge pisses you off too, send an email to your state legislature. It may do nothing, but you might feel better. I know I will.

Ci vediamo!

Midge

Ten Things Tourists Need to Know

In the spring, summer and fall of 2024 our house in the hills was rocking with out of towners. For ten years, we asked, cajoled, begged and pleaded family and friends to please come and visit us in Pontelandolfo. Hardly anyone did. As years passed, no one did. This past year everyone did. We were so booked that we had a paper calendar on the kitchen wall with days blocked off and names scribbled in, scribbled out and new ones scribbled in. I felt like our door was not just revolving but always open.

Shut the door you’re letting the flies in. Shut the door you’re letting the cold in.

That said, we were happy to have a full house. We saw people we hadn’t seen in years. Catching up is always fun. I hope this summer we get just as many guests.

What an enormous bugia! Most days I was happy to have a full house. Other days, I took my computer and hid in a bar.

Come on Midge, every experience no matter how frustrating is an opportunity to learn. I learned that there is a lot to learn. Having all these folks passing through and me shaking my head like an insane Auntie M, I realized that there were things that guests, retreat participants, culinary tourists and everyone who visits us needed to know.

One of Jack’s cousins suggested I was doing my readers a disservice by not sharing my incredible knowledge of random and useless facts about traveling. She encouraged me to come up with a list of Ten Things Tourists and Guests coming to Pontelandolfo need to know. This suggestion was given after I looked at her with a raised eyebrow and said, you don’t have a debit card? How could you come to Europe and not have a debit card? Gulp, I need to work on may people skills.

Deciding to take the task seriously, and with her input, I riffed on things I noticed people having a problem with. Ta, da – Here is my arbitrary and lightly sarcastic list of Ten Things Tourists Need to Know:

  1. No one here wants your American dollars. Even the local banks don’t want to exchange your dollars for euros. Unless you are washing your cash, why would you bring a sack of dollars? Bring a sack of euros. Stuff them in your bra. That’s what I do. When in Italy use euros. The 1950s ugly American idea that the entire world craves “American Money” is over. About 25 years ago, my father joined us on an excursion to Pontelandolfo. He knew that the kids in our extended family were in college so he brought a stack of $50 bills to give as gifts. Every single kid said thank you, looked at the bill, looked at me and raised an eyebrow. Unless you were in a big city there was no way to change the dollars.

2. Make sure you have a working debit card. With a debit card you can go to any automatic teller machine and get the best exchange rates on the currency of the country you are visiting. I take that back. Only go to bank automatic teller machines not the ones named after someone’s pet cat. When you get a debit card or if you have one but haven’t used it out of the country, call your bank and make sure it works abroad. I had a panicked cousin who had just gotten a debit card and discovered it would’t work anywhere but at her bank. An irate call to the bank unearthed that the card didn’t work because it wasn’t a debit/credit card. She ended up borrowing euros.

3. Beware of the seemingly friendly offer to charge you for your purchase on line, in a store and/or at an automatic teller machine in US dollars. You will be screwed on the exchange rate. Make sure you click euros. Your bank will do the exchange at a better rate.

4. Use your credit card not your debit card to buy stuff. Credit cards in a store or restaurant provide a more secure way to shop. Credit card companies will usually refund, cancel and harness the creeps who steal your info. This advice does not come from me. I can barely add. It comes from my banker and numerous articles I’ve read from credible sources. And, some cretin did steal my credit card number and used the card/number to buy breakfast everyday at the same bar in Campobasso. Yes, they were caught and yes, my bank handled everything.

5. Please don’t be a creepy traveler (especially in Pontelandolfo where I know everyone) and use a credit card in a small local caffe or shop for a cup of coffee and a biscotti. My personal guideline is if it is less than €25 I pay in cash.

6. Double check all the adapters for your electronic devices. Not every country abroad has the same plug configuration. “What, I used this in Germany, why the @$#% doesn’t it work in Italy.” Because you are in Italy not Germany. Depending on where you are, it might be difficult to get the correct adapter.

7. Make sure your bags make it directly to your final destination. Airline and airport blues make the beginning of your trip a nightmare. Guests have told me that they missed flights to Naples because they had to get their checked bags in another European country and go through control again before boarding their flight to Naples. I then ask the same question. Were you flying on two different airlines? Don’t. For example, we would fly Lufthansa from Newark, New Jersey to Naples, Italy. We changed planes in Frankfurt. Our bags came all the way through to Naples. If we had flown airline A from the USA to the EU and then a different airline to our final destination, the odds are we would have had to get our bags and schlepp them to the second airline. Double check when booking your flight. I always ask, ”the bags go all the way through, correct.” Yes, I book flights on line but being anal, I also call the airlines.

8. Pack less not more. Jack just asked, how do you know what you need until you get there. Jack also said, if you forget something you can buy it. Sigh. I tend to overpack or rather over pile stuff on the bed and then toss out half. Packing cubes are incredible. I’ve got both compression and regular cubes. Sorting your clothes can be particularly useful if you are moving from city to city. I sort, because my type A personality likes clothes organized by type. Ladies, gulp, maybe it is because I am in my third act, but I discovered that sanitary napkins are a life saver on many counts. I am able to wear a pair of trousers more days using sanitary napkins. (Shhhh, that is a secret.)

9. Make sure you have a working phone. Don’t cheap out and think you can just keep your phone in airplane mode and/or just use wi-fi. We have had folks stranded at the train station with no way to contact us. When you are in a Wi-Fi zone it is easy to use free services – like Apple to Apple texting and FaceTime. Many Italians, us included, use WhatsApp. WhatsApp is even used by doctors and businesses here. For clarity of sound, I’ve discovered that Facebook messenger is incredible for calling pals in the USA. Again, don’t only rely on Wi-Fi as your only means of communication. Pay the fee to have international access or buy a SIM card wherever you are. A digital warrior who lives here has another hack. She bought a rechargeable portable hotspot. Hence, WiFi everywhere she goes.

10. This is a biggy. Make sure your passport is up to date and doesn’t expire within a three month window of your trip. I have no idea why that rule exists. Could someone explain it to all of us? It seems to me, something expires when it expires but who am I to have an opinion. A young relative of mine slated to visit us last year, discovered his passport would be in the unusable two month window. He had to fly to another state to go to an in-person passport center and get his new passport in one day. Yikes! Though, thinking about it, not being able to get home might start a new adventure.

NOW LET’S TALK ABOUT COMING TO PONTELANDOLFO THIS YEAR!

Cooking in the Kitchens of Pontelandolfo is a magical experience that started in 2016. Last year we even won an award. We have a session in May and another in September.


2025 Writers’ Refuge in the Sannio Hills is our second writer’s retreat. Last year Pontelandolfo hosted playwrights who raved about the experience. This June, creative writers are encouraged to spend time with us.

Hope to see you this summer in Pontelandolfo.

Ci vediamo a presto.

Midge