Forum Settings
       
« Previous 1 2 3
Reply To Thread

Wally World has a problemFollow

#1 Feb 28 2013 at 6:36 PM Rating: Excellent
Needs More Smut
Avatar
******
20,541 posts
Wal-Mart's supply chain was supposed to be the best in the business. Like, seriously, the cash registers would keep track of how many units of detergent sold that day so that the appropriate amount would arrive on a truck in three days.

However, somewhere the bottom has fallen out, and Wal-Mart doesn't have inventory in some stores. At all.

Speculation is that they squeezed their suppliers one too many times, and many of them are quitting now before they end up like Vlasic pickles.

So the suppliers are tightening their credit requirements, and tell Wal-Mart that they cannot pay Tuesday for a hamburger today any more.

Wal-Mart employs approximately 1% of the working US population. Them going under would single handedly plunge us back into a recession as bad as 2008.


Edited, Feb 28th 2013 7:36pm by catwho
____________________________
FFXI: Catwho on Bismarck. Once again a top bard on the server: Dardaubla 90 on 1/6/2014
Thayos wrote:
I can't understand anyone who skips the cutscenes of a Final Fantasy game. That's like going to Texas and not getting barbecue.

FFXIV: Katarh Mest on Lamia - Member of The Swarm and leader of Grammarian Tea House chat LS
#2 Feb 28 2013 at 7:03 PM Rating: Excellent
Sage
***
2,215 posts
Walmart going down in sales would mean other stores need to pick up Walmarts slack. Most people working there are unskilled and can work at any other retailer with no issues.

So a decrease in Walmart performance may equal an increase in K-mart sales, because the consumer can't get a product or the service at Walmart, and in ideal situations if Walmart started closing stores other retail chains would need to hire more people to keep up with demand.

In the end it would be a push or a slight decrease maybe.

It's funny someone on my FB posted a big huge thing about how our government should take a look at Walmart and emulate them because Walmart is SO profitable(It was one of those stupid Like and share if you agree things). But Walmart makes money because they bully their suppliers, pay next to nothing for wages, offer almost no insurance or decent packages, and sell cheap crappy products without finding out why they are cheap.

Honestly I'm surprised there hasnt been more public backlash at Walmart because of some of their practices. Locking people in a building overnight, unpaid overtime, forcing skipped breaks, telling their employees to use Food stamps and government funded programs to have a decent living conditions. All the while they post record profits every year.
____________________________
What I Play
Recently Played
#3 Feb 28 2013 at 7:33 PM Rating: Good
****
6,755 posts
BeanX wrote:

Honestly I'm surprised there hasnt been more public backlash at Walmart because of some of their practices. Locking people in a building overnight, unpaid overtime, forcing skipped breaks, telling their employees to use Food stamps and government funded programs to have a decent living conditions. All the while they post record profits every year.


I don't know, I've thought there's been considerable backlash at Walmart in recent years. Despite that the plain truth is that lower to lower middle class folks are more concerned with the convenience that Walmart provides along with the low prices than business ethics. And that's probably the majority of their business. Poor folks may grumble a bit about things, but ultimately they'll still shop there. Particularly in rural areas where the majority of local businesses were driven out when Walmart moved in, so they have little choice left.

Also, lots of businesses are using inventory management techniques to drive down their operating costs and increase their performance numbers. Amazon did it, so did Dell when it started their JIT (just in time) model. Many more companies, particularly big ones that can muscle around their suppliers due to their large business, are using their clout to demand that suppliers keep the product on their shelves till it's needed thereby reducing inventory.

It's a technique that works, despite the fact it's still just a shell game and creative accounting for the shareholders (at least in my view, an economist might disagree).
____________________________
Some people are like slinkies, they aren't really good for anything, but they still bring a smile to your face when you push them down the stairs.
#4 Feb 28 2013 at 7:57 PM Rating: Good
Skelly Poker Since 2008
*****
16,320 posts
I found the problem!

Quote:
It even reassigned store greeters to replenish merchandise
____________________________
Alma wrote:
Post and be happy!
#5 Feb 28 2013 at 8:32 PM Rating: Good
Everyone's Oiran
Avatar
*****
15,923 posts
I read the article and it was somewhat confusing. While they had identified other real problems leading to loss of business, none of them seemed to cause the breakdown in the restocking chain. Has there been a massive upsurge in successful shoplifting? If items are shoplifted they won't show up as needing to be ordered and restocked.
____________________________
<3

http://www.reddit.com/r/Forum4/
#6 Feb 28 2013 at 8:45 PM Rating: Good
Sage
***
2,215 posts
Kakar wrote:
I don't know, I've thought there's been considerable backlash at Walmart in recent years. Despite that the plain truth is that lower to lower middle class folks are more concerned with the convenience that Walmart provides along with the low prices than business ethics. And that's probably the majority of their business. Poor folks may grumble a bit about things, but ultimately they'll still shop there. Particularly in rural areas where the majority of local businesses were driven out when Walmart moved in, so they have little choice left.

Also, lots of businesses are using inventory management techniques to drive down their operating costs and increase their performance numbers. Amazon did it, so did Dell when it started their JIT (just in time) model. Many more companies, particularly big ones that can muscle around their suppliers due to their large business, are using their clout to demand that suppliers keep the product on their shelves till it's needed thereby reducing inventory.

It's a technique that works, despite the fact it's still just a shell game and creative accounting for the shareholders (at least in my view, an economist might disagree).


The problem is the lower class will always go where things are cheapest, if the convenience is about the same. Why go to Walmart for a nifty digital camera, if I can just order it for 25% cheaper from Amazon on my phone, and if I really want get it next dayed for the same price as Walmart. Department stores will always have a place for basic necessities but Walmarts low prices are getting beat by online big time.

In store you get someone that doesnt know the product, or has general knowledge, on online usually there is 100s of reviews from people that are novices-experts. Also sites like Amazon arent forcing companies to always sell at that price, they negotiate and say hey give us X amount at this price and we will sell them in a sale, we will take this much and you can keep this much.

Walmart seemed to say we want your product at X price, so we can sell it at X price giving us a profit. If you don't agree well we just wont have your product in our stores. The Vlasic pickles story shows that, suddenly their more premiere pickles were undercut by their cheap ones. It looks good in the short term but you kill yourself in the long term.

I'm a lower class myself never having made more then 20k in a year, I rarely buy stuff at Walmart just because I know I can find it cheaper at other places, and usually has a better quality (I almost never buy food at Walmart).

Overall Walmart created the cheap consumer, but other companies improved upon it, those with tighter budgets are only 'deal' shopping and I rarely see good deals at Walmart, because local grocers can beat them out with weekly deals and specialize in only food, and have stuff like double coupon days.

i.e. My local grocer has a flyer every week with 5-8 pages of all the different foods on discount. Walmarts weekly flyer is 80% other departments, 20% food. Walmart has the always low price on 24 packs of soda for 7.50, while the local store is 8.49 but they they constantly have deals where you can get a 24 pack for 6.99 or 5.99, and the weeks where that deal isnt around, usually 12 packs are on some sort of sale 5/$10(rare) 4/$12. While Walmart ALMOST never has deals like that. In the end Walmart can't keep up, because even on the weeks where there isnt a discount on soda, the grocer will have a sale on something else, and the 50cent to a dollar I would have saved at Walmart wouldn't be enough to cover my cost of driving across town/time wasted.

Because local and smaller stores can say to companies, hey were going to have a big sale this week on your produce, so we want a big amount for just this weeks, what kind of bulk deal will you give us. While Walmart says we want to sell your produce at this much cheaper then other places and we always want this price, so give it to us @ this price.

Edit: My excuse is writing is my worst subject.
Seriously I need to hire an editor 1/10th of a penny for every mistake found. payable only in Rupies after being converted from pesos






Edited, Feb 28th 2013 9:11pm by BeanX
____________________________
What I Play
Recently Played
#7 Feb 28 2013 at 8:50 PM Rating: Good
Sage
***
2,215 posts
Oh yeah before anyone comes back with price matching, which Walmart does. You know how muhc of a hassle it is it price match a bunch of food thats a few cents or dollars cheaper, while in a busy store, or if you're like me and almost always use the self check out. Convenience would be Walmart pre price matching other stores without me having to do the work to find all the deals.
____________________________
What I Play
Recently Played
#8 Feb 28 2013 at 9:03 PM Rating: Good
Needs More Smut
Avatar
******
20,541 posts
Around here, Walmart's grocery division was hurt when they opened the Aldi. Aldi's food is just as cheap, if not cheaper, and of a generally higher quality. They also have some specialty products the Wally World wouldn't think to carry. Hellooooo marzipan bars! Smiley: drool
____________________________
FFXI: Catwho on Bismarck. Once again a top bard on the server: Dardaubla 90 on 1/6/2014
Thayos wrote:
I can't understand anyone who skips the cutscenes of a Final Fantasy game. That's like going to Texas and not getting barbecue.

FFXIV: Katarh Mest on Lamia - Member of The Swarm and leader of Grammarian Tea House chat LS
#9 Feb 28 2013 at 9:15 PM Rating: Good
Sage
***
2,215 posts
catwho wrote:
Around here, Walmart's grocery division was hurt when they opened the Aldi. Aldi's food is just as cheap, if not cheaper, and of a generally higher quality. They also have some specialty products the Wally World wouldn't think to carry. Hellooooo marzipan bars! Smiley: drool


Aldis scares the **** out of me too. Anyplace that sells gallons of goats milk, but yes I have shopped there also at one point in time. On average their food did taste better then Walmart brands, but they also save money with not giving bags out, and I guess the deal with quarter deposit carts , which I have no clue what that's about.
____________________________
What I Play
Recently Played
#10 Mar 01 2013 at 8:42 AM Rating: Good
******
44,512 posts
Walmart is pretty decent when dealing with disaster relief, and I guess they're good for places where you need a tank of gas just to get milk, but beyond that meh.
____________________________
George Carlin wrote:
I think it’s the duty of the comedian to find out where the line is drawn and cross it deliberately.
#11 Mar 01 2013 at 9:09 AM Rating: Excellent
Liberal Conspiracy
*******
TILT
BeanX wrote:
I guess the deal with quarter deposit carts , which I have no clue what that's about.

Saves them from hiring a guy to collect carts or having carts rolling into cars, into the street, etc. A quarter is enough incentive to bring your cart back yourself or grab a stray one you see sitting out.

I've been in some raggedy-*** looking Aldis before but there's two on my way home from work that are fairly new and in smaller towns which are a lot better kept up. I like stopping there for milk, eggs, bread and various frozen or snack type items. Their store brand chips are *** though (well, the kettle style chips are good). I used to buy them for my kid for lunches until one day I ate a bag. Now I make a special trip to the "real" grocery store for name brand chips.
BeanX wrote:
Anyplace that sells gallons of goats milk

I've never seen goat's milk there but it makes me chuckle to think that they could put goat milk on the shelf at Whole Foods and people would be all over themselves about how exotic it is and no doubt better for you and comes from impoverished goat herders from the Sierra Madre.

Edited, Mar 1st 2013 9:13am by Jophiel
____________________________
Belkira wrote:
Wow. Regular ol' Joph fan club in here.
#12 Mar 01 2013 at 9:50 AM Rating: Decent
Scholar
****
4,310 posts
Quote:
The problem is the lower class will always go where things are cheapest, if the convenience is about the same. Why go to Walmart for a nifty digital camera, if I can just order it for 25% cheaper from Amazon on my phone, and if I really want get it next dayed for the same price as Walmart. Department stores will always have a place for basic necessities but Walmarts low prices are getting beat by online big time.


The lower class generally doesn't have the means to order from Amazon (they don't qualify for credit cards) and is generally not buying a nifty digital camera in the first place because eating is more important that taking pictures of their malnourished children. If you can afford a digital camera without skipping a bill you're likely not lower class. (Also, who buys a digital camera at walmart?)
#13 Mar 01 2013 at 10:00 AM Rating: Decent
Lunatic
******
29,586 posts
Walmart going down in sales would mean other stores need to pick up Walmarts slack.

That's not how that works, most of the time. If there even is a supply chain issue here, it's more likely a function of sales for Wal Mart being way down. Lean supply chain depends to a certain extent on predictability of future sales, and contrary to the press you read, the reality is that Wal Mart's supply chain analytics are very, very, very basic. Amazon's supply chain system makes Wal Mart look like children at a lemonade stand. This is most likely a problem with inelastic predictions not taking into account the dip in sales related to the payroll tax restoration in the beginning of the quarter, leading to high inventory, then that being depleted quickly as the poors get tax return loans. Not really a problem positionally for them. Almost certainly not a problem with suppliers, virtually any of whom Wal Mart can destroy out of hand if inclined.
____________________________
Disclaimer:

To make a long story short, I don't take any responsibility for anything I post here. It's not news, it's not truth, it's not serious. It's parody. It's satire. It's bitter. It's angsty. Your mother's a *****. You like to jack off dogs. That's right, you heard me. You like to grab that dog by the bone and rub it like a ski pole. Your dad? ***. Your priest? Straight. **** off and let me post. It's not true, it's all in good fun. Now go away.

#14 Mar 01 2013 at 10:08 AM Rating: Excellent
Liberal Conspiracy
*******
TILT
Yodabunny wrote:
(Also, who buys a digital camera at walmart?)

Craptons of people. The same people who buy computers from Walmart.

Actually, a camera from Walmart makes even more sense since your average user probably only needs an array of options found on any half-decent camera regardless of whether you buy it from Walmart, Best Buy, Target or wherever.
____________________________
Belkira wrote:
Wow. Regular ol' Joph fan club in here.
#15 Mar 01 2013 at 10:12 AM Rating: Decent
Lunatic
******
29,586 posts
The lower class generally doesn't have the means to order from Amazon (they don't qualify for credit cards) and is generally not buying a nifty digital camera in the first place because eating is more important that taking pictures of their malnourished children.

Wow, easy there. Fat poor children are more of a problem than malnourished children. There's a hunger problem in the US, but let's not get into hyperbole. The hunger problem isn't cannibalizing consumer electronic sales, that's crazy talk.
____________________________
Disclaimer:

To make a long story short, I don't take any responsibility for anything I post here. It's not news, it's not truth, it's not serious. It's parody. It's satire. It's bitter. It's angsty. Your mother's a *****. You like to jack off dogs. That's right, you heard me. You like to grab that dog by the bone and rub it like a ski pole. Your dad? ***. Your priest? Straight. **** off and let me post. It's not true, it's all in good fun. Now go away.

#16 Mar 01 2013 at 10:23 AM Rating: Good
Sage
****
4,041 posts
catwho wrote:
Wal-Mart employs approximately 1% of the working US population. Them going under would single handedly plunge us back into a recession as bad as 2008.


And about 80% of them are on food stamps, and none of them have health benefits. All hail the almighty Wal-mart! Too big to fail! What other machine could we expect to take the burden of corralling our lowest classes?
#17 Mar 01 2013 at 10:30 AM Rating: Decent
Lunatic
******
29,586 posts
And about 80% of them are on food stamps, and none of them have health benefits. All hail the almighty Wal-mart! Too big to fail! What other machine could we expect to take the burden of corralling our lowest classes?

Sure, but let's not ignore the valuable service Wal Mart provides to the community by keeping people who shop at Wal Mart 5 towns away from me.
____________________________
Disclaimer:

To make a long story short, I don't take any responsibility for anything I post here. It's not news, it's not truth, it's not serious. It's parody. It's satire. It's bitter. It's angsty. Your mother's a *****. You like to jack off dogs. That's right, you heard me. You like to grab that dog by the bone and rub it like a ski pole. Your dad? ***. Your priest? Straight. **** off and let me post. It's not true, it's all in good fun. Now go away.

#18 Mar 01 2013 at 10:46 AM Rating: Excellent
Meat Popsicle
*****
12,018 posts
BeanX wrote:
Overall Walmart created the cheap consumer, but other companies improved upon it, those with tighter budgets are only 'deal' shopping and I rarely see good deals at Walmart, because local grocers can beat them out with weekly deals and specialize in only food, and have stuff like double coupon days.

Bares repeating, deal shopping routinely outdoes the discount stores around here. Places like Walmart/Costco/Target are nice if you need something right now and can't wait until a sale. Other than that there's better ways to save money.
____________________________
That monster in the mirror, he just might be you. -Grover
#19 Mar 01 2013 at 4:02 PM Rating: Good
Everyone's Oiran
Avatar
*****
15,923 posts
Yodabunny wrote:
Quote:
Why go to Walmart for a nifty digital camera, if I can just order it for 25% cheaper from Amazon on my phone, and if I really want get it next dayed for the same price as Walmart.
The lower class generally doesn't have the means to order from Amazon (they don't qualify for credit cards)


Whoah, whoa, whoa. The USA doesn't have Visa debit cards?

Edited, Mar 1st 2013 5:05pm by Aripyanfar
____________________________
<3

http://www.reddit.com/r/Forum4/
#20 Mar 01 2013 at 4:08 PM Rating: Good
Needs More Smut
Avatar
******
20,541 posts
.... Yeah my Amazon one touch order is hot linked to my checking account via a Visa debit card.

However, the very poorest of the poor can't even get a checking account.
____________________________
FFXI: Catwho on Bismarck. Once again a top bard on the server: Dardaubla 90 on 1/6/2014
Thayos wrote:
I can't understand anyone who skips the cutscenes of a Final Fantasy game. That's like going to Texas and not getting barbecue.

FFXIV: Katarh Mest on Lamia - Member of The Swarm and leader of Grammarian Tea House chat LS
#21 Mar 01 2013 at 4:32 PM Rating: Good
******
27,272 posts
Why would you not be able to get a checking account?

I think my bank account costs a massive €7.50 a year or so...
____________________________
Theophany wrote:
YOU'RE AN ELITIST @#%^ AETHIEN, NO WONDER YOU HAVE NO FRIENDS AND PEOPLE HATE YOU.
someproteinguy wrote:
Aethien you take more terrible pictures than a Japanese tourist.
Astarin wrote:
One day, Maz, you'll learn not to click on anything Aeth links.
#22 Mar 01 2013 at 4:44 PM Rating: Excellent
Liberal Conspiracy
*******
TILT
I believe they ran my credit when I got my checking account. Wanted to make sure I wasn't going to bounce a bunch of checks and skip town, I assume. These days it's harder to leave someone with a bad check though between merchants being able to immediately scan even paper checks and use of debit cards.
____________________________
Belkira wrote:
Wow. Regular ol' Joph fan club in here.
#23 Mar 01 2013 at 4:47 PM Rating: Good
Avatar
*****
12,071 posts
His Excellency Aethien wrote:
Why would you not be able to get a checking account?


The poors overdraft their accounts, thus leading them to quit leave the bank in a huff. They also tend not to hold the min. no fee balances.
____________________________
Just as Planned.
#24 Mar 01 2013 at 5:34 PM Rating: Good
******
27,272 posts
Ah, yeah. I can't overdraft my account unless/until I enable it ad it won't be enabled until I show I have a steady income.
____________________________
Theophany wrote:
YOU'RE AN ELITIST @#%^ AETHIEN, NO WONDER YOU HAVE NO FRIENDS AND PEOPLE HATE YOU.
someproteinguy wrote:
Aethien you take more terrible pictures than a Japanese tourist.
Astarin wrote:
One day, Maz, you'll learn not to click on anything Aeth links.
#25 Mar 01 2013 at 5:41 PM Rating: Good
Prodigal Son
******
20,049 posts
catwho wrote:
Wal-Mart's supply chain was supposed to be the best in the business. Like, seriously, the cash registers would keep track of how many units of detergent sold that day so that the appropriate amount would arrive on a truck in three days.

However, somewhere the bottom has fallen out, and Wal-Mart doesn't have inventory in some stores. At all.

Speculation is that they squeezed their suppliers one too many times, and many of them are quitting now before they end up like Vlasic pickles.

So the suppliers are tightening their credit requirements, and tell Wal-Mart that they cannot pay Tuesday for a hamburger today any more.

Wal-Mart employs approximately 1% of the working US population. Them going under would single handedly plunge us back into a recession as bad as 2008.

Ahhh, capitalism at its finest.
____________________________
publiusvarus wrote:
we all know liberals are well adjusted american citizens who only want what's best for society. While conservatives are evil money grubbing scum who only want to sh*t on the little man and rob the world of its resources.
#26 Mar 01 2013 at 5:54 PM Rating: Good
Sage
***
2,215 posts
Most banks don't do credit checks to set up an account (Some do), the check they do everytime is usually just through the check cashing services to make sure you dont have any outstanding bounced checks. if you have any you need to pay/clear them by paying them then some banks want to wait a year some will do it right there it depends.

I never use checks themselves because with a debit card you cant spend what you dont have unless your bank offers overdraft (it ranges can be turned on or off) most banks say you have to have 6 months direct deposit history before they will allow it. Usually its in the 500 dollar area maximum. This can be a life saver in dire events, like on a rent check your car breaks down.

As for having a credit card any sap can go pick up a Greendot or prepaid visa anywhere, **** even gas stations have em. Simon Mall has had Prepaid Visa backed Gift cards for about 12? years you can put any amount on from 20-2000 dollars and it cost 1.95. Thats how I used to pay for FF11 back in the day.

Also as for Lower class picking up digital cameras or having cell phones, A 35 dollar a month Prepaid cell phone is ussually way cheaper then having a house phone, and that phone is usually Unlimited Data text and minutes. The only costly thing about it is having to buy the phone upfront but they range anywhere from 30-200 dollars depending on what you want on the phone.

Also I was speaking of the close to poverty line and that general income bracket. The living check to check people. Yeah most goto bills but around tax time is when you can get the nice things, oh and H&R block puts your taxes on a prepaid visa card to for like 7 bucks, if you dont want a check or have a bank account to do it.



Edited, Mar 1st 2013 5:55pm by BeanX
____________________________
What I Play
Recently Played
#27 Mar 01 2013 at 5:59 PM Rating: Good
Avatar
*****
12,071 posts
Quote:
Greendot
Debit, also has higher fees than a bank.

Quote:
Ah, yeah. I can't overdraft my account unless/until I enable it ad it won't be enabled until I show I have a steady income.


Out here we let them overdraft but RQ paycheck routing for the banking solutions a poor would use.
____________________________
Just as Planned.
#28 Mar 01 2013 at 8:06 PM Rating: Default
Encyclopedia
******
31,966 posts
Guenny wrote:
catwho wrote:
Wal-Mart employs approximately 1% of the working US population. Them going under would single handedly plunge us back into a recession as bad as 2008.


And about 80% of them are on food stamps, and none of them have health benefits.


DailyKoS? Really? You can't spot the problems with their statistical analysis? I have no specific love of WalMart, but they don't do anything that tons of other businesses with mostly entry level and low skill labor do. They just happen to employ a lot more people while doing it. I'm not even sure where they get the 80% food stamp participation number since the link provided with that statement doesn't mention it, nor does it include the quoted statement in that paragraph, nor the quote in the box following it. But even if we assume this is true, it doesn't tell us anything specific about WalMart unless we compare that to other businesses with a similar workforce.

I also find it somewhat amusing when the left fights so hard to increase public benefits, and raise the bar to qualify for them, and then turns around and punishes businesses who now have a bunch of employees receiving those benefits. Did Walmart pay change relatively speaking? Or did it just become easier to qualify for food stamps? The bigger issue IMO isn't what WalMart is paying, but that more people who are raising families can't find a job better than WalMart to do so. I just think that it's completely backwards to try to make a low skill job like shelf stocking at WalMart pay a "living wage". What we should be doing is encouraging the creation of jobs that actually produce greater economic value (and thus command higher pay). And in this area, the economic policies of the Left have been an absolute disaster.

Blaming the company paying low wages for low skill work is just kinda stupid. That's like blaming the retarded kid for being retarded. What should be alarming us far more is the lack of availability of genuine good paying jobs out there in the market. Making the crap jobs pay more isn't the right answer and it should be obvious why.
____________________________
King Nobby wrote:
More words please
#29 Mar 01 2013 at 11:34 PM Rating: Good
Everyone's Oiran
Avatar
*****
15,923 posts
15-20 years ago you could be in trouble in Australia if you didn't qualify for a credit card, to take advantage of internet prices and goods. So I feel the pain of people who need a credit/debit card but don't qualify for one. Then they introduced the ****-debit card into Australia and life was peachy because of different bank practices over here. Qualifying for a cheque account was not a problem because every bank has a Transaction Account option that comes without cheques or overdrafts for that matter. Choose the right financial institution and they come without bank fees, either.

Most employers, government departments and insurers pay wages and benefits straight to your nominated account. Almost no regular transaction goes through a cheque. We're considering getting rid of them all together. If your pay goes straight into your Transaction Account with attached card, cheques, and bouncing cheques, become a non issue.

The big hurdle in Oz to having a basic bank account, and a debit card, is not poverty or a bad credit score, but providing your identity. You need one of a birth certificate, a driver's license, or a passport. If you have two of those, great. If you have only one of them, they want to see a utility bill in your name with your address on it as well.
____________________________
<3

http://www.reddit.com/r/Forum4/
#30 Mar 02 2013 at 5:20 AM Rating: Good
******
27,272 posts
I haven't seen anyone use a check in.. well... ever. I think you could still pay with them but I don't know of anyone who ever does.
____________________________
Theophany wrote:
YOU'RE AN ELITIST @#%^ AETHIEN, NO WONDER YOU HAVE NO FRIENDS AND PEOPLE HATE YOU.
someproteinguy wrote:
Aethien you take more terrible pictures than a Japanese tourist.
Astarin wrote:
One day, Maz, you'll learn not to click on anything Aeth links.
#31 Mar 02 2013 at 6:25 AM Rating: Good
Worst. Title. Ever!
*****
15,256 posts
Larger stores like Wal-mart just scan the check and get the bank routing info, then give you the check back and have you sign electronically similar to a debit card.

Funny watching old people spend a minute filling out a check and then giving it to the cashier as the cashier tries to kindly tell them they don't need to fill it all out and the person just doesn't listen.
____________________________
Can't sleep, clown will eat me.
#32 Mar 02 2013 at 10:40 AM Rating: Decent
Lunatic
******
29,586 posts
I also find it somewhat amusing when the left fights so hard to increase public benefits, and raise the bar to qualify for them, and then turns around and punishes businesses who now have a bunch of employees receiving those benefits. Did Walmart pay change relatively speaking? Or did it just become easier to qualify for food stamps? The bigger issue IMO isn't what WalMart is paying, but that more people who are raising families can't find a job better than WalMart to do so. I just think that it's completely backwards to try to make a low skill job like shelf stocking at WalMart pay a "living wage". What we should be doing is encouraging the creation of jobs that actually produce greater economic value (and thus command higher pay). And in this area, the economic policies of the Left have been an absolute disaster.

The unicorn police have done a great job of preventing gun related homicides.

We're just posting what we want to be true, right?
____________________________
Disclaimer:

To make a long story short, I don't take any responsibility for anything I post here. It's not news, it's not truth, it's not serious. It's parody. It's satire. It's bitter. It's angsty. Your mother's a *****. You like to jack off dogs. That's right, you heard me. You like to grab that dog by the bone and rub it like a ski pole. Your dad? ***. Your priest? Straight. **** off and let me post. It's not true, it's all in good fun. Now go away.

#33 Mar 02 2013 at 10:46 AM Rating: Decent
Lunatic
******
29,586 posts
Blaming the company paying low wages for low skill work is just kinda stupid. That's like blaming the retarded kid for being retarded. What should be alarming us far more is the lack of availability of genuine good paying jobs out there in the market.

They were moved to labor markets where cost is lower. Surely you remember the post a few weeks ago where you stated this never happened and labor cost were a tiny factor?

____________________________
Disclaimer:

To make a long story short, I don't take any responsibility for anything I post here. It's not news, it's not truth, it's not serious. It's parody. It's satire. It's bitter. It's angsty. Your mother's a *****. You like to jack off dogs. That's right, you heard me. You like to grab that dog by the bone and rub it like a ski pole. Your dad? ***. Your priest? Straight. **** off and let me post. It's not true, it's all in good fun. Now go away.

#34 Mar 02 2013 at 11:49 AM Rating: Excellent
Liberal Conspiracy
*******
TILT
Smasharoo wrote:
The unicorn police have done a great job of preventing gun related homicides.

We're just posting what we want to be true, right?

Depends. Are we talking about men who police unicorns or unicorns with law enforcement duties?

Because I desperately want the second one to be true.
____________________________
Belkira wrote:
Wow. Regular ol' Joph fan club in here.
#35 Mar 02 2013 at 11:51 AM Rating: Good
******
44,512 posts
You guys are avoiding the all important armor color question.
____________________________
George Carlin wrote:
I think it’s the duty of the comedian to find out where the line is drawn and cross it deliberately.
#36 Mar 02 2013 at 4:20 PM Rating: Good
Skelly Poker Since 2008
*****
16,320 posts
Jophiel wrote:
Smasharoo wrote:
The unicorn police have done a great job of preventing gun related homicides.

We're just posting what we want to be true, right?

Depends. Are we talking about men who police unicorns or unicorns with law enforcement duties?

Because I desperately want the second one to be true.

The first would imply that unicorns are largely responsible for gun-related homicides. I been saying that all along.
____________________________
Alma wrote:
Post and be happy!
#37 Mar 02 2013 at 4:23 PM Rating: Good
Tracer Bullet
*****
12,599 posts
Aripyanfar wrote:
Almost no regular transaction goes through a cheque. We're considering getting rid of them all together.

So, gbaji would starve.

____________________________
Na Zdrowie
#38 Mar 02 2013 at 7:14 PM Rating: Excellent
Prodigal Son
******
20,049 posts
Man, I can't wait for Japan to finish making those manual labor robots so we never have to pay shelf stockers minimum wage anymore. Then all the people can be making the median at least!
____________________________
publiusvarus wrote:
we all know liberals are well adjusted american citizens who only want what's best for society. While conservatives are evil money grubbing scum who only want to sh*t on the little man and rob the world of its resources.
#39 Mar 03 2013 at 3:47 AM Rating: Good
******
27,272 posts
trickybeck wrote:
Aripyanfar wrote:
Almost no regular transaction goes through a cheque. We're considering getting rid of them all together.

So, gbaji would starve.

Do people actually pay for groceries with a check? Because that just seems so pointless and overly complicated when you could just pay cash or with a debit card.
____________________________
Theophany wrote:
YOU'RE AN ELITIST @#%^ AETHIEN, NO WONDER YOU HAVE NO FRIENDS AND PEOPLE HATE YOU.
someproteinguy wrote:
Aethien you take more terrible pictures than a Japanese tourist.
Astarin wrote:
One day, Maz, you'll learn not to click on anything Aeth links.
#40 Mar 03 2013 at 4:03 AM Rating: Decent
******
21,718 posts
His Excellency Aethien wrote:
trickybeck wrote:
Aripyanfar wrote:
Almost no regular transaction goes through a cheque. We're considering getting rid of them all together.

So, gbaji would starve.

Do people actually pay for groceries with a check? Because that just seems so pointless and overly complicated when you could just pay cash or with a debit card.


A lot of older people have been writing checks for so long, anything else would be a ridiculous concept to them. Also, if the money runs out a day or two before pay day, floating a check is often a viable solution if you know the store still processes paper checks.

Edit: Also, my debit card has a fairly low daily purchase limit. If I'm making a big purchase, I usually write a check to avoid incurring that expense toward my daily purchase limit.

Edited, Mar 3rd 2013 4:04am by BrownDuck
____________________________
R.I.P. Jessica M. 5/3/2010
This post brought to you by Carl's Jr.
gbaji wrote:
You guys keep tossing facts out there like they mean something.


#41 Mar 03 2013 at 4:14 AM Rating: Good
******
27,272 posts
Daily purchase limit...? What's the point of that?

The only limit that my account has as far as I'm aware is that I can't pull more than €2500 out of an ATM per day.
____________________________
Theophany wrote:
YOU'RE AN ELITIST @#%^ AETHIEN, NO WONDER YOU HAVE NO FRIENDS AND PEOPLE HATE YOU.
someproteinguy wrote:
Aethien you take more terrible pictures than a Japanese tourist.
Astarin wrote:
One day, Maz, you'll learn not to click on anything Aeth links.
#42 Mar 03 2013 at 6:07 AM Rating: Good
Sage
***
2,215 posts
Most banks limit ATM withdrawals to around 500 USD and swiping as Credit Limits to 1000, but if you need to make a bigger purchase you just call your bank and authorize it, as an extra step in security. You can also go into the bank and ask them to change your limits w/e you want, bank dependent but most around here are like that.

____________________________
What I Play
Recently Played
#43 Mar 03 2013 at 7:28 AM Rating: Good
Unforkgettable
*****
13,251 posts
His Excellency Aethien wrote:
trickybeck wrote:
Aripyanfar wrote:
Almost no regular transaction goes through a cheque. We're considering getting rid of them all together.

So, gbaji would starve.

Do people actually pay for groceries with a check? Because that just seems so pointless and overly complicated when you could just pay cash or with a debit card.
I only have an ATM card, because at one point in time, I got myself in quite a bit of trouble with a debit card, via overdraft fees. So, I sometimes pay for groceries with a check, since all you have to do is sign it, and the machine prints all the other information on it. Honestly, it's faster than the 50% of people using a card who don't know how to work the little machine.
____________________________
Banh
#44 Mar 03 2013 at 7:50 AM Rating: Good
Worst. Title. Ever!
*****
15,256 posts
Spoonless wrote:
His Excellency Aethien wrote:
trickybeck wrote:
Aripyanfar wrote:
Almost no regular transaction goes through a cheque. We're considering getting rid of them all together.

So, gbaji would starve.

Do people actually pay for groceries with a check? Because that just seems so pointless and overly complicated when you could just pay cash or with a debit card.
I only have an ATM card, because at one point in time, I got myself in quite a bit of trouble with a debit card, via overdraft fees. So, I sometimes pay for groceries with a check, since all you have to do is sign it, and the machine prints all the other information on it. Honestly, it's faster than the 50% of people using a card who don't know how to work the little machine.


How does using a check save you from the overdraft fees that a debit card would have? Both are linked to the same account and both have the same overdraft fees. And many stores have a bounced check policy that includes fees of their own...

Also, the places I go to that use machines for checks you don't even have to sign the check. You hand them the check, the machine scans/prints on it, they give you the check back (your records, I assume) and you sign on the same pad that the credit/debit card users do. A lot of places locally have set a 25 or 50 dollar min value to require signing when using a card. Under that limit and it's just scan and go. I don't know if the same exists for check signing, but from what I've seen everyone had to sign the pad when using their checks instead of a card.

Edited, Mar 3rd 2013 8:51am by TirithRR
____________________________
Can't sleep, clown will eat me.
#45 Mar 03 2013 at 11:49 AM Rating: Good
****
6,755 posts
Weird, I've never heard of a daily spending limit. I've heard of limitations on how much cash you can withdraw, I think mine is 350. The only time it was ever an issue was when I was in Vegas, and that wasn't necessarily a bad thing. I've made some decent sized purchases on my debit card well over a grand and it never was an issue, and I didn't have to call the bank to do it.

Of course I've been with the same bank so long I don't have a lot of frames of reference.
____________________________
Some people are like slinkies, they aren't really good for anything, but they still bring a smile to your face when you push them down the stairs.
#46 Mar 03 2013 at 12:06 PM Rating: Good
Unforkgettable
*****
13,251 posts
TirithRR wrote:
How does using a check save you from the overdraft fees that a debit card would have? Both are linked to the same account and both have the same overdraft fees. And many stores have a bounced check policy that includes fees of their own...
I got into trouble using my debit card mostly online. Using checks themselves didn't help me out, but not having a debit card did. I still use checks at the market because the system is fast, and since I have direct deposit for my pay, it saves me an ATM trip. I suppose one of these days I'll have them send me a debit card, but I just haven't had any need to do so. Adding the extra step of having to either take money out or bring a check with me helps avoid impulse purchases in general.
____________________________
Banh
#47 Mar 03 2013 at 10:12 PM Rating: Excellent
Gurue
*****
16,289 posts
My daily ATM withdrawl limit is 1k. Smiley: laugh

Yeah.
#48 Mar 04 2013 at 7:48 AM Rating: Good
Lunatic
******
29,586 posts
I got into trouble using my debit card mostly online. Using checks themselves didn't help me out, but not having a debit card did. I still use checks at the market because the system is fast, and since I have direct deposit for my pay, it saves me an ATM trip. I suppose one of these days I'll have them send me a debit card, but I just haven't had any need to do so. Adding the extra step of having to either take money out or bring a check with me helps avoid impulse purchases in general.

I think it's great that the banjo store, the wooden teeth emporium, and the moonshine boutique all still accept your quaint wooden money. Don't you have an issue when you book stagecoach journeys or stay at inns?
____________________________
Disclaimer:

To make a long story short, I don't take any responsibility for anything I post here. It's not news, it's not truth, it's not serious. It's parody. It's satire. It's bitter. It's angsty. Your mother's a *****. You like to jack off dogs. That's right, you heard me. You like to grab that dog by the bone and rub it like a ski pole. Your dad? ***. Your priest? Straight. **** off and let me post. It's not true, it's all in good fun. Now go away.

#49 Mar 04 2013 at 8:37 AM Rating: Good
******
44,512 posts
Nadenu wrote:
My daily ATM withdrawl limit is 1k.
I've never been in a situation where I need to find out whether or not I have a limit.
____________________________
George Carlin wrote:
I think it’s the duty of the comedian to find out where the line is drawn and cross it deliberately.
#50 Mar 04 2013 at 8:47 AM Rating: Good
Skelly Poker Since 2008
*****
16,320 posts
lolgaxe wrote:
Nadenu wrote:
My daily ATM withdrawl limit is 1k.
I've never been in a situation where I need to find out whether or not I have a limit.

Tight wad?

I only ran into problems with my debit card once when traveling through Canada. I was only allowed $200/cash a day at the time. Apparently traveling the Kings Highway is suspicious activity and the bank shut me right down. Limited cash flow while traveling sucks.
____________________________
Alma wrote:
Post and be happy!
#51 Mar 04 2013 at 9:08 AM Rating: Excellent
I just use a credit card.
____________________________
01001001 00100000 01001100 01001001 01001011 01000101 00100000 01000011 01000001 01001011 01000101
You'll always be stupid, you'll just be stupid with more information in your brain
Forum FAQ
« Previous 1 2 3
Reply To Thread

Colors Smileys Quote OriginalQuote Checked Help

 

Recent Visitors: 26 All times are in CST
Allegory, Anonymous Guests (25)