(New York Times) — One of the keys to making money is to keep your costs down. Sometimes, in the effort to save money, a company can be the victim of unintended consequences. You “save” some money by putting off machine maintenance, and a machine breaks down and stops production. You “save” some money by changing insurance companies, and you find out after you make a claim why the new company is cheaper. You “save” money by not doing safety training in your factory, and someone gets hurt doing something the wrong way. Even worse, in some cases, the financial costs of “saving” money can go undetected. For example, you might try to save money on merchant fees paid on charge card and credit card transactions (an issue that’s very much in the news right now.) You might pay ½ or 1 percent more for American Express than you pay for Visa and MasterCard. This, of course, is why some stores and restaurants do not accept American Express. My question is, are the companies that refuse to accept American Express really saving money? The answer is not as simple as it looks.