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“if you come across this..”
Joined: Jun 22, 2008
well you know
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Judged:
1
cigar dave wrote: I am so against layaways, credit cards, and anything else that help people who are BAD WITH HADLEING MONEY, spend more than they should. Being poor sucks, it should suck, the sting of it should be bad enough to make you want to do something to get out of being poor. Several of you keep trying to make the same point over and over “IF YOU ARE ON A FIXED INCOME IT DOESN'T MEAN YOUR SPENDING EXCESSIVELY. if you receive social security for instance, you can't control what you make by increasing work hours if you can't work.” I am trying my best to help people understand this basic financial principle. You can not spend more than you take in. if you are, you have only two options; 1. make some more money. 2. change your situation so your bills are less. It is really that simple. Option 3, the one most “poor” people seem to do is to go in dept, and or turn to the government and others for handouts. Then complain and cry how poor they are, and their kids are suffering ect. People on fixed incomes do have it rough, please don’t get me wrong. I feel for them, but, you have to make adjustments. If this means getting roommates, renting a ROOM in someone’s home, so be it. There are ways to live cheaply. Most people refuse to live BELOW their means. I know people making over $100k a year who are BROKE, and in dept to their eyeballs. I get just as mad at these morons as I do the so called poor people. Its just being plane ass irresponsible. Again, go to daveramsey.com . listen to his radio show every day (I think it starts at 1pm on 550 am in san Antonio) do what this man tells you to do and you will be fine. Don’t be upset when he calls you a princess and stop whining because that’s what most of US (ya me to at times) need to hear. Now I will give you one point. There are indeed people out there who are truly screwed. Really, its not their fault, bad things have happened to them and we should (and do usually) help these people out. The problem is most “poor” people, almost all of them, THINK they are in that small percentage and they are not. I don’t feel sorry for you because you are lazy, irresponsible, and refuse to help yourself.(now don’t get pissed, this is to the fake poor in general, I may not be talking about YOU) Keep in mind this is AMERICA, at least for a little while longer, God save us please. For now, you have nothing but opportunity here. There is so much help, grants, fee stuff for most of us. Far far far more available for you “poor” people. if you would just get a vision and do it you could be very wealthy. Ya ya ya (insert all your excuses here). The only thing holding you back is your excuses. There is so much wealth and opportunity just waiting for you to get off your ass, put down your free cheetos and DO SOMETHING. Instead, in true ‘poor” person fashion, you sit there and do the same old thing, and expect things to change for you. It doesn’t work that way. i have a better understanding of what you are saying, i do believe that credit cards among other things are useless and hurt more than help, i just don't feel that the layaway service is the same as having a credit card. when you have a credit card, you spend money you don't really have (which is why people shouldn't use them), however putting things in layaway allows you to pay on items over a certain period of time with your own money. i guess all in all layaway may not have been good for some, but it really did work for others.
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tracker
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aLifeUncommon wrote: All these people complaining about what they can or cannot afford but I see they all have computers with internet access.
Things that make you go hhhmmmm.... Some people use computers for free at the public library.
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Animously
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Dear, WAL-MART um yea that pretty much stinks because if you dont't have layaway you are going to lose buisness because if the people dont have the money right then and there they are going to find a different store that actully has layaway.SO YEA!!!!!!!!
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Intrigued
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cigar dave wrote: <quoted text>
a jar will do the same thing, put money in it until you have enough to go shopping. It would also keep you from spending more than you can afford.
and what company is not about its own self? have you looked at the profit margins for walmart? they are very low. they could charge more and make more profit, but their whole deal is cutting prices and costs, im telling you they are CRAZY INSAINE about it, too a fault really.
poor people have never had a friend as good as walmart. go read some books on walmart Apparently my friend, you have not really looked at their profit margins. 12 billion last year alone, with one of the highest paid being Lee Scott, is not really a company suffering, now is it? Your right on how well they are almost frantic in reducing costs, ie,..low wages, not enough associates to man a store, pushing their way with other companies into reducing costs of manufacturing goods. Oh, they are so good at it,...good enough to know that that 74 cent orange you just bought cost the company only .14 cents, and that nice shirt you got for $10.00 only really cost the company to buy,..$4.00,...better watch the seams,those shirts are really cheap, and a bargain for that $10.00, wouldn't you agree? Do not try to tell me how this company tries to save the little man money, when in reality, they themselves are trying to save the money for themselves, while selling you nothing but cheap goods to make it look like a darn good bargain. As for the Layaway..while in a way I myself miss it, though I hardly ever used it,..I have that old outlook,..if it is meant to be,..then it'll be there when I can get it, if not, then I didn't really need it at all. But it DOES hurt knowing how fast the turn over rate of merchandise is. It may be there for 2 weeks, never to be seen again, and that is not enough time to save a wad of money.
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Intrigued
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Animously wrote: Dear, WAL-MART
um yea that pretty much stinks because if you dont't have layaway you are going to lose buisness
because if the people dont have the money right then and there they are going to find a different store that actully has layaway.SO YEA!!!!!!!! Good luck,..most stores have done away with it all. In truth, We have not had layaways for some time now, and have not really been hurt by it. At least not the company. Instead, they push you for the credit card they have. In the end, your better off with out the item then.
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cigar dave
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Judged:
1
Oh no, the horror of it! A business making a profit! The shame! Lucky for you and your paycheck that businesses make profits. That’s what they do and there is nothing wrong with it. Does walmart not have the best prices on about everything? Every time I look they do on most things. isn’t that helping the working guy? Makes their money go further, right? It may or may not be cheaply constructed, but if they can afford the quality stuff they would buy it. didn’t I say they took the cutting of cost to the extremes? They are fanatical about it, right or wrong. Bottom line is ITS CHEAPER FOR THE CUSTOMER. Was I and other coffee shop owners evil for charging $3.50 for a mocha when it cost all of $0.35 to make? What about furniture shops have you seen the markup on that stuff! How much is the mark up on the things YOUR work sells? Oh so evil I bet. But wait! its different when it’s your money and your businesses isn’t it? I am betting you are just another leftist corporate hating nut job, who hates capitalism, America and people living a great life. One they EARNED and not given to them by the government.
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Joined: Jul 3, 2008
San Antonio
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Judged:
1
2tired wrote: <quoted text>
i have a better understanding of what you are saying, i do believe that credit cards among other things are useless and hurt more than help, i just don't feel that the layaway service is the same as having a credit card. when you have a credit card, you spend money you don't really have (which is why people shouldn't use them), however putting things in layaway allows you to pay on items over a certain period of time with your own money.
i guess all in all layaway may not have been good for some, but it really did work for others. I think what you meant to say is that "people who cannot control their spending" should not use credit cards. If you only put as much on the card as you can afford to pay at the end of the month there are many benefits to using one. Cash back, gas discounts, warranties on electronics, frequent flier miles etc. When used properly they're actually quite useful.
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Intrigued
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cigar dave wrote: Oh no, the horror of it! A business making a profit! The shame! Lucky for you and your paycheck that businesses make profits. That’s what they do and there is nothing wrong with it.
Does walmart not have the best prices on about everything? Every time I look they do on most things. isn’t that helping the working guy? Makes their money go further, right?
It may or may not be cheaply constructed, but if they can afford the quality stuff they would buy it. didn’t I say they took the cutting of cost to the extremes? They are fanatical about it, right or wrong. Bottom line is ITS CHEAPER FOR THE CUSTOMER.
Was I and other coffee shop owners evil for charging $3.50 for a mocha when it cost all of $0.35 to make? What about furniture shops have you seen the markup on that stuff!
How much is the mark up on the things YOUR work sells? Oh so evil I bet. But wait! its different when it’s your money and your businesses isn’t it?
I am betting you are just another leftist corporate hating nut job, who hates capitalism, America and people living a great life. One they EARNED and not given to them by the government. You know,..I am beginning to think that in the end, your really a very bitter old man that more then likely, lost everything you ever owned..oh, that is right! You were once oh so poor! BEFORE YOU ASSUME TO KNOW ME, OLD MAN, MAYBE YOU SHOULD GET TO KNOW ME A LITTLE BETTER. Or is that too hard for you to do? I am neither Democrat, Republican, Right, or left. I am a working class person, who grew up poor myself, so before you go getting all hot under the collar, maybe you need to cool down a bit before your blood pressure rises. Because it sure looks like I hit a nerve with you. Have you chilled some there Dave? Smoked another? Good,..Now let me put it THIS way,.. You were a COFFEE SHOP owner,..not a muti-billion dollar corporation that hangs signs stating Satisfaction Guarented, and promises customers Low prices everyday, when in reality, they are anything BUT. Yes, every darn thing is going up in price due to the economy, the gas situation, the Iraq war... Everything it seems but the cost of what Wal-Mart is paying the suppliers, and yet, jacking the price up for you, using the excuse that everything is going up. The cost to you as a customer is going UP, not for them, and what is going to happen Dave? The products are getting crappier, safety issues and recalls will be more frequent, and the poor people that are putting this merchandise together for happy people like you, are more so underpaid. The quality of the work will slide even further down, and why? ALL because YOUR Wal-Mart is overcharging YOU, and underpaying the ones that make these items. Everyday low price? Hardly... Satisfaction? Maybe, at least, Temporarily. Yes, they are a company, Yes, they have a right to a profit..and I am so darn happy you shop at Wal-Mart Dave!... That way,..At the end of the Quarter, and they tell the associates they did not make enough for thier bonus, you can be so glad to know that your at least helping Lee Scotts Bonus. Thanks Dave, for paying that 250% Mark-up fee. Glad to know you understand all about why your being overcharged and do not mind it. Might I suggest that with all the savings you reap from shopping at Wal-Mart, you may want to see your Doctor...with a temper like yours, I am sure that the blood pressure can not be so good for your heart. look at it this way Dave,..at least Wal-Mart did one thing right,..the pharmacy may have your meds for $4.00. Now, are we done exchanging petty ass insults? Good grief,..you DO have a temper.
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Intrigued
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cigar dave wrote: Oh no, the horror of it! A business making a profit! The shame! Lucky for you and your paycheck that businesses make profits. That’s what they do and there is nothing wrong with it.
Does walmart not have the best prices on about everything? Every time I look they do on most things. isn’t that helping the working guy? Makes their money go further, right?
It may or may not be cheaply constructed, but if they can afford the quality stuff they would buy it. didn’t I say they took the cutting of cost to the extremes? They are fanatical about it, right or wrong. Bottom line is ITS CHEAPER FOR THE CUSTOMER.
Was I and other coffee shop owners evil for charging $3.50 for a mocha when it cost all of $0.35 to make? What about furniture shops have you seen the markup on that stuff!
How much is the mark up on the things YOUR work sells? Oh so evil I bet. But wait! its different when it’s your money and your businesses isn’t it?
I am betting you are just another leftist corporate hating nut job, who hates capitalism, America and people living a great life. One they EARNED and not given to them by the government. You know,..I am beginning to think that in the end, your really a very bitter old man that more then likely, lost everything you ever owned..oh, that is right! You were once oh so poor! BEFORE YOU ASSUME TO KNOW ME, OLD MAN, MAYBE YOU SHOULD GET TO KNOW ME A LITTLE BETTER. Or is that too hard for you to do? I am neither Democrat, Republican, Right, or left. I am a working class person, who grew up poor myself, so before you go getting all hot under the collar, maybe you need to cool down a bit before your blood pressure rises. Because it sure looks like I hit a nerve with you. Have you chilled some there Dave? Smoked another? Good,..Now let me put it THIS way,.. You were a COFFEE SHOP owner,..not a muti-billion dollar corporation that hangs signs stating Satisfaction Guarented, and promises customers Low prices everyday, when in reality, they are anything BUT. Yes, every darn thing is going up in price due to the economy, the gas situation, the Iraq war... Everything it seems but the cost of what Wal-Mart is paying the suppliers, and yet, jacking the price up for you, using the excuse that everything is going up. The cost to you as a customer is going UP, not for them, and what is going to happen Dave? The products are getting crappier, safety issues and recalls will be more frequent, and the poor people that are putting this merchandise together for happy people like you, are more so underpaid. The quality of the work will slide even further down, and why? ALL because YOUR Wal-Mart is overcharging YOU, and underpaying the ones that make these items. Everyday low price? Hardly... Satisfaction? Maybe, at least, Temporarily. Yes, they are a company, Yes, they have a right to a profit..and I am so darn happy you shop at Wal-Mart Dave!... That way,..At the end of the Quarter, and they tell the associates they did not make enough for thier bonus, you can be so glad to know that your at least helping Lee Scotts Bonus. Thanks Dave, for paying that 250% Mark-up fee. Glad to know you understand all about why your being overcharged and do not mind it. Might I suggest that with all the savings you reap from shopping at Wal-Mart, you may want to see your Doctor...with a temper like yours, I am sure that the blood pressure can not be so good for your heart. look at it this way Dave,..at least Wal-Mart did one thing right,..the pharmacy may have your meds for $4.00. Now, are we done exchanging petty insults? Good grief,..you DO have a temper.
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Unbiased Referee
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cigar dave: 1
Intrigued: 0
(and note that you do not get extra points for stuttering)
Sounds like old dave really got to you, Intrigued! LOL!
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“Learn to dance in the rain.”
Joined: Jun 29, 2008
Missoula Montana
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Judged:
1
Im not an angry old man im 38, im actually rather pleasant and happy go lucky most of the time. When I see stupidity that is affecting the country, a point of view that is like a cancer in the minds of Americans that will end it the death of the USA, I start to get worked up. Also, I get angry when people are not listing (or reading) I will calmly make a point, the next post the person is saying things as if he didn’t hear my last point, so again ill make the point, repeat, repeat, repeat. Each time I get a little louder and more forceful because you people obviously didn’t hear the fist several times. Here, yet again are some points you are just not hearing. 1 walmart DOES have lower prices on most things. Look around, they beat most everyone on most things. So they ARE helping the working man by stretching his money. 2 walmart is NOT perfect; they are fanatical on cutting cost. This is good for the customer because the often DO pass the savings down. Its NOT good for the suppliers, a company had better think long and hard about doing business with them, every year they will try to help you cut your costs and sell cheaper to them. driving many companies out of business. That’s the ugly side of walmart 3 businesses are made to make money, and there is nothing wrong with a profit. whether or not you think they are overcharging.. People will pay what the market will sustain. This idea that corporations are evil and should be destroyed is right from the communist play book. Im not saying they are perfect, but there is nothing wrong with corporations making money. Stop buying into this bs right from communist manifesto. Communism used to be a bad thing in this country. Now we get them running for president. Is that clear enough? I know you say you are not a lefty, right wing. Ect, but the views you have are straight from the left wing wacos. Honestly, arguing is usually not my style, it usually never gets anywhere but making everyone mad. I just get mad at stupidity. Me and people like me, the angry old guys as you call them, are realists, we can see what is happing, we know that all the bs on the tv, that people like you are eating up as truth, is nothing but propaganda, American hating, freedom hating loads of lies and crap. Im not saying people are stupid, they are just ignorant and believe what ever the talking heads say ( I was like that once too). All I ask is look at the views you are holding and ask if they are closer to our founding fathers views, or ones from marx, lenin, stalin Hitler or the like. I think you may shock yourself.
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heather
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I am a 20 year old college student who makes 11 dollars an hour. I aint poor, but I aint rich either, I cant afford to buy alot of stuff and still pay my bills, buy gas and eat with out layaway!
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heather again
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ok, angry young man?
Walmart has some cheap things, mainly in their ads and at the front of the store right at the entrance to lure people in. The rest of the stuff is just as expensive as anywhere else. But the difference between walmart and say... meijer or winn dixie or kmart? Their stuff is mainly from china. That is why it is so "cheap". Is it worth a few measly cents? And walmart is a not just making a profit anymore, they have really gone way beyond that. they have little kids in indonesia sewing their clothes for 1.45 a week and sell one of them shirts for 15$! That has surpassed profit. There is definitely a difference between profit and greed. Look at how much they pay their workers? And how they have done away with most full time positions in walmart stores so that they can get away with not paying for benefits? Sounds like greed to me.
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heather again
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tracker wrote: <quoted text>
Some people use computers for free at the public library. not you though. people who use computers for free dont get on forums to complain about walmart! lol they usually are looking for jobs or are children.
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“Learn to dance in the rain.”
Joined: Jun 29, 2008
Missoula Montana
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Heather, did you no READ the posts? ill say it again, for you. walmart is obsessed with cutting costs and then passing it along to its CUSTOMERS, their profit margin is very thin. the last numbers i remember is; if walmart would take ALL their profit and divide it amongst their millions of employees, each person would see about a 2 dollar raise. doesn’t sound like greed to me. this is also the reason they don’t pay benefits. ANY cost that they encores would have to be passed on to the customer (YOU), that means the price would go up, something walmart avoids like the pelage. i would think you liberals would like that, walmart keeps prices low for the working guy. whether or not the products they have at walmart are cheap or not, they are the products the customers buy. a lot of thought, science, and research goes into everything in the store. obviously someone, allot of someones, think the products are great. http://www.walmarteffectbook.com/ there is a link to a great book on the subject. its not pro nor anti walmart. it lays out the FACTS and lets you decide. i came out in the middle. read it and then come back and comment. my whole problem with the anti walmart people is that they are ignorant, the are making assumptions that are not true. and then they start spiting out socialist and communist slogans and “values” that is poisoning this country. Im not sure when, but at some point the USA seamed to stop hating communist, probably because they don’t teach about what makes America so great anymore.
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