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A Sign of the End of Times

SKORPI0 said:
I saw that yesterday as I was about to pay for the groceries, WTF? 😳

www.kiplinger.com

Walmart Adds Buy Now, Pay Later Option at Self-Checkout Kiosks

Walmart expanded its partnership with Affirm to bring a Buy Now, Pay Later option to self-checkout at stores.
www.kiplinger.com www.kiplinger.com
Click to expand...

Fortunately (?), it doesn't apply to groceries & the minimum purchase is $144. So it's not like you can just go mad & buy $50 worth of Reese's & then finance it over 24 months LOL.

Affirm - Terms and Conditions

www.walmartshoplive.com www.walmartshoplive.com
 
I mean, affirm isn't terrible, it's usually zero interest and if there is, it's probably better than using a cc. Still pretty dystopian though.
 
Debt, the temptation where the tempted subsidize the untempted.

It could be useful if you're running a business and you order batches of office supplies or something
 
lxskllr said:
I think groceries make more sense. That way poor people who are waiting on a paycheck, can get food for their families. That's a dangerous game though. You can get in a cycle where you're spending next week's money today, effectively negating the utility of the tool, and paying a premium for the honor.
Click to expand...
When I worked at Walmart, my first payday each month got cashed at the front, turned around, and spent right back in the store.
 
lxskllr said:
I think groceries make more sense. That way poor people who are waiting on a paycheck, can get food for their families. That's a dangerous game though. You can get in a cycle where you're spending next week's money today, effectively negating the utility of the tool, and paying a premium for the honor.
Click to expand...
A sizeable portion of the "poor" in the U.S don't lack calories. The SNAP program would be the easy first step to utilize. Maybe some states are more stringent than others, but it's still just based solely on reported income. So both those who actually make only their reported income and those who hiding income flows but behave good can tap into that system.

Loaning to give away free Coca-cola is negative value to everything but the medical system some 30-50 years down the line.

They might be trying to take the business away from Rent-a-Center or other similar types of businesses.
 
Lost_in_the_HTTP said:
Shopping at Wallies is a sign of desperation and lack of self-respect.
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Sometimes a Walmart might be the only store in town.

Cultural tendencies also may influence even a higher income individual to shop at a Walmart or god forbid, a Aldi.

People can be stupid becaue a Wally World doesn't always have the best prices
 
Walmart usually has pretty good prices, but not always the best. Costco is also a good place to shop for groceries. It depends on what you are shopping for though.

As for debt, I try not to have any, so I don't. The credit cards I have make the lender pay me in welcome bonuses and at least 2% cash back!
 
Torn Mind said:
A sizeable portion of the "poor" in the U.S don't lack calories. The SNAP program would be the easy first step to utilize. Maybe some states are more stringent than others, but it's still just based solely on reported income. So both those who actually make only their reported income and those who hiding income flows but behave good can tap into that system.
Click to expand...
How long have you & your Mom been scamming the SNAP program?

This is one of the reasons you think everyone on the planet is trying to take advantage of you. Because you take advantage of everyone you can.
 
WilliamM2 said:
How long have you & your Mom been scamming the SNAP program?

This is one of the reasons you think everyone on the planet is trying to take advantage of you. Because you take advantage of everyone you can.
Click to expand...
The let those much richer qualify for Medicaid via irrevocable trusts; so don't get you panties in a bunch that big gov lost a few dollars when they systematically allow the fattest of cats to do the same. Also, paying dues on property tax means this is only retrieving some of that back, and only for food. You don't need to concern yourself about the state's finances. It's not your money anymore; it's theirs.

Sentence two also is a non sequitur.

I don't think can take advantage of everyone because I do not have the persuasive ability nor moral inclination to do the Ponzi or other various artifices of deceit against humans.

An entity that impersonal is not a human. You are very silly, trying to paint a state or company the equivalent of a non-psychopathic homo sapiens.

I'm not surprised, you've done estate planning or experienced it any point in your life. Probably some orphan boy, so of course you received nothing.
 
Torn Mind said:
The let those much richer qualify for Medicaid via irrevocable trusts; so don't get you panties in a bunch that big gov lost a few dollars when they systematically allow the fattest of cats to do the same. Also, paying dues on property tax means this is only retrieving some of that back, and only for food. You don't need to concern yourself about the state's finances. It's not your money anymore; it's theirs.

Sentence two also is a non sequitur.

I don't think can take advantage of everyone because I do not have the persuasive ability nor moral inclination to do the Ponzi or other various artifices of deceit against humans.

An entity that impersonal is not a human. You are very silly, trying to paint a state or company the equivalent of a non-psychopathic homo sapiens.

I'm not surprised, you've done estate planning or experienced it any point in your life. Probably some orphan boy, so of course you received nothing.
Click to expand...

I didn't say you take advantage of everyone, I said everyone you CAN. You seem to have plenty of deciet.
Sorry your mother raised you without any moral compass.

I'm not surprised, you've done estate planning or experienced it any point in your life. Probably some orphan boy, so of course you received nothing.
Click to expand...

Talk about a non sequitur. What does estate planning have to do with gaming the system? Hiding all your MOM's money?

And I'm sure YOU don't pay any property taxes anyways. In my state social welfare programs are funded by federal taxes, not property taxes. Those go to the state.
 
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I just have Amazon deliver food now but I remember shopping at Walmart for groceries and sometimes it cost more. And Amazon is sometimes cheaper, actually that's rare ((.
 
Whole Paycheck has some occasional deals but it really doesn't make up for all of the times they pickpocket you.

Even so, I don't really eat much anymore so I don't really mind. The stuff I really like some of the Pacific Foods soups I order in bulk. Everything I get that way is shelf stable and I love that a lot of soups come in containers with resealable spouts so I can just leave one on the coffee table drink some whenever I feel like it.
 
lxskllr said:
That's a dangerous game though. You can get in a cycle where you're spending next week's money today, effectively negating the utility of the tool, and paying a premium for the honor.
Click to expand...


I entirely agree in general - have never understood why people take out loans for consumer goods (different if it's something that saves you or makes you money, like a car or a home).

But didn't someone say above that it was "zero interest"? In that case, _if_ that's truly the case, with no catch, there seems little downside.

(In fact, with inflation what it is, zero interest would mean _they_ are paying _you_).
 
pmv said:
But didn't someone say above that it was "zero interest"?
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They did say that, but it sounds impossible, doesn't it? How does a finance company make money by giving away financing? Unless they're microcharging walmart(in this case), and making money on volume. Walmart pays a trivial amount for a guaranteed purchase, and Affirm gets a trivial amount for fronting the money. Iffy business model imo.
 
lxskllr said:
I think groceries make more sense. That way poor people who are waiting on a paycheck, can get food for their families. That's a dangerous game though. You can get in a cycle where you're spending next week's money today, effectively negating the utility of the tool, and paying a premium for the honor.
Click to expand...
Best advice that my dad ever gave me was to avoid being in debt to anyone if you can avoid it. Yeah you can't avoid getting a mortgage but if you get one pay it off as quickly as you can. Yeah you can get a new car on finance but you could probably pay cash for a decent one if you saved...


Fuck paying people just because you paid for stuff!
 
pmv said:
I entirely agree in general - have never understood why people take out loans for consumer goods (different if it's something that saves you or makes you money, like a car or a home).

But didn't someone say above that it was "zero interest"? In that case, _if_ that's truly the case, with no catch, there seems little downside.

(In fact, with inflation what it is, zero interest would mean _they_ are paying _you_).
Click to expand...
lxskllr said:
They did say that, but it sounds impossible, doesn't it? How does a finance company make money by giving away financing? Unless they're microcharging walmart(in this case), and making money on volume. Walmart pays a trivial amount for a guaranteed purchase, and Affirm gets a trivial amount for fronting the money. Iffy business model imo.
Click to expand...
Affirm does give zero interest loans in some cases, notably their phone purchase loans (I use). I'm sure there's some kind of weaseling behind the scenes where someone takes a pound of flesh from somewhere else, but the end result is zero interest to the consumer. I do not know if 'loans' like this for low dollar consumer goods/foodstuffs carry that precedent. They do other loans of moderate-high apr so it's also possible they just have loss leaders.
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