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I'd have to say most of those variables are moot. I would say that margins are going to be fairly close in the supply field unless you're talking about competing businesses but when they can give a bigger discount, they usually have a bigger margin, leaving out sales and special purchases so it wouldn't likely impact the standard discount much. Promptness of payment will seldom apply. A run-of-the-mill contractor certainly can't beat up a supplier like a W place or something can, demanding razor thin margins and then stall payment for 6+ months. I don't even see anything like a 2%/10 option anymore. If contractors are successful enough to get credit accounts and don't pay on time, they're generally at minimum put on COD immediately and often COD+ (COD plus a percentage, even 100% of what's owed) if they want to keep buying there. Few vendors play credit games anymore. Not all corporate/commercial accounts are given credit lines. Small accounts are generally COD status at least for quite a while until you qualify for credit but that's really not that big a deal for most. They simply can't afford to take too many risks factoring in all the risks including the percentage of bankruptcies in small businesses. I don't know of anyplace that discounts for cash and it would only apply to a one-horse operation most likely. A medium sized or larger contractor certainly wouldn't be giving temp labor thousands of dollars in cash to buy materials and the owner won't be taking an armored car to various places to buy the materials for the crews. Also consider, given the increase in counterfeiting, cash isn't the safe transaction it was at one time. Taking large amounts of cash is also a risky proposition and has its own inherent costs. A credit card is the small business credit line, and once the charge is approved it's cash to the vendors' books and the card charge is merely an expense. "Put it on my account" is a phrase that's gone away for many. Credit of course has its problems too, like cash or checks and each business weighs the risks and sets its policies what to accept. The biggest variable is going to be the size of the contractor. Simply put, if they purchase a lot, they'll be in a better position to negotiate a better deal. Sometimes there's minimum order sizes to even write a discounted sale. Actually it's possible for many people to get commercial accounts at certain places. You don't necessarily have to be a contractor to get one. Sometimes it's worth the hassle, sometimes not. It can give you other perks too depending on the place, for instance checks (or even Canadian "cheques") can be more readily accepted on a commercial account where they might not be as willingly accepted otherwise. 5%-15% is a good guess for conversational purposes but there's no set number industry-wide so it could be less or more.

Here in Owasso, just north of Tulsa no sirens have gone off but I have gotten several severe text alerts on my phone from the local tv station... It is raining lightly here right now with a little bit of wind, nothing out of the norm because it's always windy here... it is very dark outside. The storm that spawned the tornado in Shawnee yesterday fizzled out before it got here, so the one that hit Moore earlier this evening. I do have my coat closet cleaned out and ready to jump into... my husband is on a plane right now, on his way home from Houston, that is scarier to me then being here in the house.... I have lived in Oklahoma my entire life. I can honestly say I am not afraid of tornadoes, I take heed and caution but fear, nope...I do have a nephew and family that live in Moore, we cannot get in touch with them. Their house is several miles away from where the tornado hit but do not know if they were home, out or if they are safe...

An elderly couple were celebrating their sixtieth anniversary. The couple had married as childhood sweethearts and had moved back to their old neighborhood after they retired. Holding hands they walked back to their old school. It was not locked, so they entered, and found the old desk they'd shared, where Andy had carved "I love you, Sally." On their way back home, a bag of money fell out of an armored car, practically landing at their feet. Sally quickly picked it up, but not sure what to do with it, they took it home. There, she counted the money - fifty-thousand dollars! Andy said, "We've got to give it back." Sally said, "Finders keepers." She put the money back in the bag and hid it in their attic. The next day, two FBI agents were canvassing the neighborhood looking for the money, and knocked on the door. "Pardon me, but did either of you find a bag that fell out of an armored car yesterday?" Sally said, "No." Andy said, "She's lying. She hid it up in the attic." Sally said, "Don't believe him, he's getting senile." The agents turn to Andy and began to question him. One says: "Tell us the story from the beginning." Andy said, "Well, when Sally and I were walking home from school yesterday..."