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Dave Ramsey once said "You can't walk into a Walmart without spending at least $200." Granted he was talking to his child rearing followers still on baby step one or two, but he wasn't wrong. A lot of people just go insane in those places. In Antioch, TN the mega Walmart is way, way nicer than the Target.
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May 20, 2015 22:54
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I remember a supply chain professor sharing an anecdote that Wal Mart experimented with a more organized layout and more orderly shelving. The test markets didn't respond well to it. I guess some people like digging through a pallet of $5 DVDs to find the one they want. He also used to say that he likes going to the dollar store, because he doesn't have to dress up like when he goes to Wal Mart 
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May 20, 2015 23:04
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I was just in the states with my British fiancé and was giving the Americana tour. We stopped at Walmart in Waco and it was everything People Of Walmart said it would be. Holy moly, fat people on rascals, methed out ladies wearing very little clothing, people shouting across the store for a manager, there was nothing remotely classy about this place. And we still spent $200! http://en.wikipedia.org/wiki/Gruen_transfer
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May 20, 2015 23:18
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Subjunctive posted:They want merchandise density and people to be exposed to a lot of items as they wander around. Nothing about it is an accident. Yes, I know that it's by design. The design is such that I will avoid the store except as a very last resort, though.
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May 20, 2015 23:31
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People who loudly avoid Wal-Mart do so mostly to feel superior to others.
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May 20, 2015 23:56
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Switchback posted:I was just in the states with my British fiancé and was giving the Americana tour. We stopped at Walmart in Waco and it was everything People Of Walmart said it would be. Holy moly, fat people on rascals, methed out ladies wearing very little clothing, people shouting across the store for a manager, there was nothing remotely classy about this place. And we still spent $200! Which one? Waco has shithole Walmarts and also a decently nice one. (I used to live there, I'm glad I got out)
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May 21, 2015 00:02
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Switchback posted:And we still spent $200! Whenever I go to Aldi I skip renting the shopping cart and haul everything by hand. Even if I find an empty box, about the most I can carry is $30 worth of merchandise.
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May 21, 2015 00:04
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High Lord Elbow posted:People who loudly avoid Wal-Mart do so mostly to feel superior to others. I buy Mobil 1 Synthetic there because it's way loving cheaper, but I generally avoid it for most purchases if I can because gently caress The Waltons™.
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May 21, 2015 00:13
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High Lord Elbow posted:People who loudly avoid Wal-Mart do so mostly to feel superior to others. People who [verb] always [verb]
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May 21, 2015 00:42
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High Lord Elbow posted:People who loudly avoid Wal-Mart do so mostly to feel superior to others. Yeah well I don't own a tv
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May 21, 2015 00:57
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The day I was moving into a new apartment in a nicer area I mentioned running to Wal-mart to get some quick supplies and my apartment manager looked like I had just told her I was gonna poo poo on the floor. I don't get it. Also I stopped going there. Society and humans are weird.
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May 21, 2015 01:10
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blugu64 posted:Yeah well I don't own a tv But are you vegan?
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May 21, 2015 02:10
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Bad with money: I was talking to my mom today, she's semi retired from her nursing career (she's got medicare, and now that my dad can get insurance through the ACA, she doesn't have to keep working full time so he'll have insurance. Thanks Obama!) but still works three days a week. She mentioned that they had called her to ask if she could work extra hours and she said no. I asked if they pay extra for OT, and she said they get time-and-a-half, and they're allowed to negotiate for 2x. So the scheduling manager could call you and ask you to work OT, and you can say "yeah, but only for double time". And then it's up to the scheduling manager to either pay it or find someone else. I asked if she ever does this and she told me "no, because I don't want to gouge the company". Ugggggh. My mom spends hours each evening working on charts, totally uncompensated, in complete violation of labor laws. I told her she has Stockholm syndrome and she just laughed and said most nurses do.
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May 21, 2015 02:17
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Blackjack2000 posted:My mom spends hours each evening working on charts, totally uncompensated, in complete violation of labor laws. I told her she has Stockholm syndrome and she just laughed and said most nurses do. poo poo, she might as well be a teacher.
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May 21, 2015 02:30
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Subjunctive posted:poo poo, she might as well be a teacher. I visited my high school after graduating from university and my former teachers, who now felt more comfortable discussing work stuff with me i guess, were at one point talking about how many YEARS of paid/sick leave each person has not used over the decades. hosed up.
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May 21, 2015 08:51
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When my mother retired from teaching she had a year and a half of paid time off, so she was paid at the normal salary for that time before she had to start drawing her pension. And then went to work part time at a children's museum and still brought her work home with her like she was still teaching.
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May 21, 2015 09:39
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CannonFodder posted:When my mother retired from teaching she had a year and a half of paid time off, so she was paid at the normal salary for that time before she had to start drawing her pension. That sounds like a quick way to end up on the wrong end of an Amber Alert.
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May 21, 2015 09:44
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Zo posted:at one point talking about how many YEARS of paid/sick leave each person has not used over the decades. Though they are usually able to take this into account when they retire, so they could "retire" and get their full salary for a couple of years and then get their real retirement. So, actually good with money? e:f,b
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May 21, 2015 10:18
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The Nards Pan posted:That sounds like a quick way to end up on the wrong end of an Amber Alert. There's a right end of an amber alert?
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May 21, 2015 12:19
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Gold and a Pager posted:Though they are usually able to take this into account when they retire, so they could "retire" and get their full salary for a couple of years and then get their real retirement. So, actually good with money? Depends on when they were hired. I know I had a couple middle school gym teachers who retired with at least a year of sick leave to burn. Probably if they were hired in the 70s/80s and those kinds of things got grandfathered in, but many new contracts (especially in right-to-work states) have a use-it-or-lose-it after a certain number of years.
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May 21, 2015 13:14
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GoutPatrol posted:Depends on when they were hired. I know I had a couple middle school gym teachers who retired with at least a year of sick leave to burn. Probably if they were hired in the 70s/80s and those kinds of things got grandfathered in, but many new contracts (especially in right-to-work states) have a use-it-or-lose-it after a certain number of years. At the private school I was doing my first practicum at they didn't pay out annual leave on retirement, but I think you could take everything you accumulated at the end like that. Sick leave I think just went away (if you're out more than a day you need a doctor's note, not being able to BS it may have something to do with it), although it's not a bad idea to have a bunch stockpiled, especially as you get older and the chance of something putting you out of commission for a while increases. My old Board of Education in Japan were 
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May 21, 2015 14:08
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Krispy Kareem posted:But are you vegan? Vegan? How 2000's, everyone knows that all the cool kids are gluten-free nowadays.
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May 21, 2015 18:00
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Came across this article today. A couple had their car totaled after hitting a big pot hole: quote:They paid $50,000 for the car when it was brand new, selling both their old car and their son Phil's former car, dipping into savings and making nearly a decade of car payments. It was a 2006 Acura TL, which had a list price of $36000. So they overpaid by a huge amount, sold other cars, and dipped into savings for a car that they had to pay on for 9 years. At least they weren't still upside down on the loan when they totaled it. Though, to be fair, California roads are also bad with money. In San Jose, for example, many haven't been maintained in years: quote:Once a typical road hasn't been touched up in 10 years, it hits a tipping point and deteriorates rapidly, requiring construction that is three to five times more expensive than simple routine maintenance Enilev fucked around with this message at 18:05 on May 21, 2015 |
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May 21, 2015 18:01
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Enilev posted:Though, to be fair, California roads are also bad with money. In San Jose, for example, many haven't been maintained in years:
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May 21, 2015 20:58
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Never give up your position in a lane to drive in the median to avoid a driver slowly drifting into your lane
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May 21, 2015 21:42
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MrKatharsis posted:Dave Ramsey once said "You can't walk into a Walmart without spending at least $200." Granted he was talking to his child rearing followers still on baby step one or two, but he wasn't wrong. A lot of people just go insane in those places. In Antioch, TN there is no Target. It's been closed for like 2 years now. And if you are talking about the Walmart at Hamilton Church and Murfreesboro Rd, the store itself is nicer than the Target was, but the people working and shopping there are not.
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May 22, 2015 03:08
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100 HOGS AGREE posted:I wonder if they're as bad as many Michigan roads. Yes, but they got that way entirely without the help of snowplows and freeze-thaw cycles.
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May 22, 2015 03:13
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DJCobol posted:In Antioch, TN there is no Target. It's been closed for like 2 years now. And if you are talking about the Walmart at Hamilton Church and Murfreesboro Rd, the store itself is nicer than the Target was, but the people working and shopping there are not. Woops, I moved out about three years ago. That Target was gross and both the Murfreesboro Rd and Nolensville Pike Walmarts were way nicer. How does the saying go? Any place where you can buy both a steak and underwear is a place where you shouldn't buy either? I miss both Waffle House and Steak and Shake. Those made for some good with money date nights.
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May 22, 2015 03:22
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MrKatharsis posted:Woops, I moved out about three years ago. That Target was gross and both the Murfreesboro Rd and Nolensville Pike Walmarts were way nicer. How does the saying go? Any place where you can buy both a steak and underwear is a place where you shouldn't buy either?
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May 22, 2015 03:36
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Hey all, I think I've got a pretty good BWM here... I know of a government office with a high percentage of people that have been employed there for less than 2 years. During your 6 month probationary period a portion of your paycheck is deposited into a pre-tax 457 retirement account. After 6 months you're automatically switched to the government pension fund, but that initial amount of ~$1200 remains in a 457 money market account accruing basically nothing. You can move it to different funds at your leisure, and of course continue to contribute to it at your discretion. Well some decided around month 9 or so that they'd just rather cash out that money (first bad with money decision). They pay the taxes & whatever applicable penalties there may have been(bwm x2) and wind up with ~$800. Unbeknownst to them, they were not supposed to be able to withdraw this money until 2 years of inactivity on the account. So yesterday a bunch of folks walked in pissed as hell with letters saying they need to pay the full pre-tax amount back ($1200) plus presumed interest, plus administrative fees, by June 30th or they will go to collections. So far as I can tell, these poor souls paid taxes & fees for 2/3 of their money, will likely pay post-tax dollars to refill that pre-tax account, & pay taxes on it once again when they finally do cash out legitimately. A lot of that is not really their fault, since they were allowed to take the money in the first place, but yeah.
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May 22, 2015 06:11
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Is buying poo poo at 0% interest bad with money? I was going to buy an Apple Watch, which I've budgeted for, but they're offering me 0% interest on purchases made over 12 months. Tempted to take it up and just reduce my budgeted spending money by the payment rate,. Maybe subsidise it by cutting some things. It's me. I'm bad with money aren't I.
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May 22, 2015 06:46
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0% is one of those things that can be useful even if you could buy it out right. It shouldn't be used as a crutch and or way to buy luxaries you cant actually afford though. We are paying for our honeymoon with a 0% credit deal. We have the cash to pay it off in one go but rather than asking for wedding presents (since we already have a kettle, toaster and everything housewise) we are asking people to chip in on the honeymoon and rather than take stuff out of investments we would rather see how much we owe after that and decide how to pay. So yeah no idea if people agree on that but I see 0% as good with money or at least neutral when used for "tactical flexibility" rather than buying things you can't afford. E- oh and ensure you avoid the obvious trap. Never miss a payment on any 0% stuff ever!
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May 22, 2015 07:21
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CelestialScribe posted:Is buying poo poo at 0% interest bad with money? Not sure if apple specifically does this, but many store credit options will retroactively charge you interest based on the original purchase price for the entire interest free period if you do not paid it off 100% in full by the end of the 12 months. Also as Cast_No_Shadow said make sure not to miss a single payment, as this typically will immediately end the interest free offer.
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May 22, 2015 07:27
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CelestialScribe posted:Is buying poo poo at 0% interest bad with money? Just stop right there.
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May 22, 2015 07:27
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But I've already got an ironic beard, live in California and follow the paleo diet! I need something, anything to fill the void until I collapse into my embittered 30's, as millions before me have. Content: My former co-worker told me today that a local bank approved his brother for a $10k loan. The reason for that loan? I don't know what he told the bank, but he freely admits that he's going to start a grow room.
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May 22, 2015 08:36
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That writer gives too much of a poo poo about apple watches. They seem worse than the people they're writing about.
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May 22, 2015 15:26
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Haha, the author gets absolutely slayed in that second comment. Also don't buy things you can't really afford just because you're getting 0% interest.
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May 22, 2015 15:56
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Sic Semper Goon posted:But I've already got an ironic beard, live in California and follow the paleo diet!
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May 22, 2015 15:59
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Barry posted:Haha, the author gets absolutely slayed in that second comment. But absolutely buy them on 0% if you can afford them (and in real terms if I'm saving up to buy something and I get zero percent, I would factor it into my emergency fund and if it worked right I might buy it a month or two earlier). In practical terms I do this with some of my budgets. I've saved thousands for a trip at the end of the year but needed a new small PC after a failure. I had recently spent a bit on a big purchase from my tech budget, so I gave myself a zero percent loan knowing I could pay it back to myself before the end of the year. Adding other people just changed the math, not the logic.
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May 22, 2015 16:13
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Sic Semper Goon posted:But I've already got an ironic beard, live in California and follow the paleo diet! sounds like bad with money on the bank's part - usually VCs get equity in the business
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May 22, 2015 16:52
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