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(Fox 8 Cleveland)   Walmart to layoff layaways. Replaces it with a buy now, pay more later plan   (fox8.com) divider line
    More: Asinine, Money, Payment, Credit card, Christmas and holiday season, Wal-Mart, Annual percentage rate, Payments, Economics terminology  
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893 clicks; posted to Business » on 24 Sep 2021 at 8:12 PM (3 weeks ago)   |   Favorite    |   share:  Share on Twitter share via Email Share on Facebook



48 Comments     (+0 »)
View Voting Results: Smartest and Funniest
 
2021-09-24 6:00:51 PM  
Damn, right before Christmas and everything.

That's EVIL.

Gonna be a lot of disappointed kids this year.
 
2021-09-24 6:38:16 PM  
God, I loved layaway growing up. I bought my first guitar on layaway, and back in the 80's, here's how it worked:

You can't just claim an item for layaway, you have to put money down. My guitar, I remember it fondly, was $400 - a princely sum for a 13 year-old. I had to put down $40 (10%) and then I had six months to come up with the balance, or I lost the deposit. Makes perfect sense since the retailer is holding an item for you that might depreciate past a certain amount of time. I remember coming in every week after cutting lawns and putting more money towards the guitar. There was a fee they'd charge you if you didn't pay off the balance, but if you did it was waived. But the key was I didn't get that guitar until I paid the balance. I could come in each week and look at it, but I wasn't taking it home until I paid everything off.

I suppose it was inevitable stores would stop that - they're effectively giving you free credit on the space your item takes up until you pay it off. Walmart's replacement - Affirm - is credit: money upfront, items upfront, and one hell of an ass-raping if you don't pay it off on the back end. This is going to be better for Walmart but obviously worse for their customers long-term.

Layaway was a good learning experience for me and I imagine it's been one for other people who don't have the money to pay for what they want immediately. It teaches you about weekly/monthly payments and it shows you how money accrues towards a goal. But most importantly, the penalty for failing to pay off a layaway bill was usually the money you had already put in plus the loss of the ability to buy the item. On credit, the penalty is far worse because the item has no value to the company coming after you for the money. They want the full price, plus fees, plus interest.
 
2021-09-24 6:50:35 PM  
Damn. And I just went to my lender for a deposit on my kids Christmas presents.

I suppose I could spend that money on meth while I formulate another plan for a happy holidays at the ol' Bender household.
 
2021-09-24 7:25:01 PM  
FTFA:
"For cart totals between $144-$799.99, you may be able to finance your purchases over 3, 6, or 12 months. For carts between $800-$2,000 you may be able to finance your purchases over 12, 18, or 24 months. All payment options are subject to eligibility."

"Zero-percent APR is a promotional financing for only certain Walmart.com products and for a limited time. For other items, your APR rate will be between 10 percent to 30 percent, depending upon your credit and will show up when you check out with Affirm."


Holy frogballs.

For reference, here's what a $2000 loan at 30% for 24 months looks like:

Fark user imageView Full Size


Nice to see that having shiatty credit is as expensive as ever. Shows some continuity during uncertain times.

/s
 
2021-09-24 8:01:41 PM  

BKITU: FTFA:
"For cart totals between $144-$799.99, you may be able to finance your purchases over 3, 6, or 12 months. For carts between $800-$2,000 you may be able to finance your purchases over 12, 18, or 24 months. All payment options are subject to eligibility."

"Zero-percent APR is a promotional financing for only certain Walmart.com products and for a limited time. For other items, your APR rate will be between 10 percent to 30 percent, depending upon your credit and will show up when you check out with Affirm."

Holy frogballs.

For reference, here's what a $2000 loan at 30% for 24 months looks like:

[Fark user image image 689x388]

Nice to see that having shiatty credit is as expensive as ever. Shows some continuity during uncertain times.

/s


Meh.
indianz.comView Full Size
 
2021-09-24 8:19:43 PM  
Old and Busted- the Grinch Steals Christmas
New and Timely- Fannie May and Freddie Mac Steal Holiday Season!
 
2021-09-24 8:24:17 PM  
It was good at the time. But we have so many other options now.

I'm saving for some money xmas gifts, to be purchased from Amazon.
I've been setting an amount in 'amazon egift card' to my self to put into my account so it won't sting so much in December. Tho I should be able to purchase in mid OCT...in order to keep the 90 day return (and extended xmas return) Amazon policy intact just in case.

I do this instead of cash because if the universe discovers I have some cash I'm saving at home for some luxury item or gift.
BAM! the Car wants attention, the stove breaks, the AC farks ups etc..etc.
 
2021-09-24 8:36:13 PM  
Maybe it's time for us to start to move away from this self-destructive tradition of burying our families in Christmas presents, half of which they will never even use.

Smaller numbers of gifts, more thoughtfully selected and within our budget.
 
2021-09-24 8:39:08 PM  

BKITU: FTFA:
"For cart totals between $144-$799.99, you may be able to finance your purchases over 3, 6, or 12 months. For carts between $800-$2,000 you may be able to finance your purchases over 12, 18, or 24 months. All payment options are subject to eligibility."

"Zero-percent APR is a promotional financing for only certain Walmart.com products and for a limited time. For other items, your APR rate will be between 10 percent to 30 percent, depending upon your credit and will show up when you check out with Affirm."

Holy frogballs.

For reference, here's what a $2000 loan at 30% for 24 months looks like:

[Fark user image 689x388]

Nice to see that having shiatty credit is as expensive as ever. Shows some continuity during uncertain times.

/s


That might be illegal in your state.
 
2021-09-24 8:43:50 PM  
It was only a matter of time until Walmart privatized their layaway service.

Walmart is definitely getting a cut of the interest payments and fees paid to Affirm.

Affirm is the new kid on the block dabbling in  high interest payday loans for online shopping..
 
2021-09-24 8:53:25 PM  

rummonkey: Maybe it's time for us to start to move away from this self-destructive tradition of burying our families in Christmas presents, half of which they will never even use.

Smaller numbers of gifts, more thoughtfully selected and within our budget.


NO!
YOu must prove your love by purchasing crap from Walmart!!
 
2021-09-24 9:11:44 PM  

rummonkey: Maybe it's time for us to start to move away from this self-destructive tradition of burying our families in Christmas presents, half of which they will never even use.

Smaller numbers of gifts, more thoughtfully selected and within our budget.


Holy farking THIS
 
2021-09-24 9:14:58 PM  
Here in The Golden Realm*, all Walmart locations ditched layaway years ago, and use that space for in-person pickups of online orders and special orders.  Got some nice speakers and music on vinyl that way.

* still not revealing my real location
 
2021-09-24 9:23:42 PM  

rummonkey: Maybe it's time for us to start to move away from this self-destructive tradition of burying our families in Christmas presents, half of which they will never even use.

Smaller numbers of gifts, more thoughtfully selected and within our budget.


My wife, along with her siblings and parents, exchange names. $50 limit. Invariably, my wife feels the need to still buy her mother, father, our niece and nephew, and her sister a farking present too. I said "what's the point of drawing names if you still buy for 7 out of 10 people?"
 
2021-09-24 9:38:48 PM  
Layaway was nice so you don't have to hide the kid's presents for months

It also enabled my wife to spend hundreds more than she should have on useless junk for the kids.
 
2021-09-24 9:42:05 PM  
I was like 16 on a date with my first real girlfriend, and we stopped at I think Marshall's or something because she had to make a payment on a dress she had on layaway.  I went back later that week and paid it off for her, had it gift wrapped and shiat.  They called her and told her it was ready to pick up.
She was beyond happy that I thought to do something like that.
We broke each other's hearts like a year from then, as kids do.
 
2021-09-24 9:50:24 PM  

Ganon D. Mire: * still not revealing my real location


Nobody cares.
 
2021-09-24 10:21:04 PM  

rummonkey: Maybe it's time for us to start to move away from this self-destructive tradition of burying our families in Christmas presents, half of which they will never even use.

Smaller numbers of gifts, more thoughtfully selected and within our budget.


We've a family rule (more like guidelines, really) of no gift cards.  And preferably small, local stores or hand crafted items. Gift cards to absolute favorite restaurants/stores (I'm looking at you, Barnes and Noble) are allowed but can't be the entire gift. Absolutely no visa gift cards.

This does make me sad for the stories about strangers walking into Walmart and paying off lay away though. I hope those good souls change to Toys for Tots or other local gift Drives.
 
2021-09-24 10:22:28 PM  
I never understood layaway.  What advantage did it present over simply saving the money yourself?
 
2021-09-24 10:45:52 PM  

BMFPitt: I never understood layaway.  What advantage did it present over simply saving the money yourself?


Just guessing, as I never used it - but either locking in price (though I recall the flyers for big sales with "no layaway" in the small print) or locking in an item that may not be available in the future. I can see it being perfect for christmas shopping - save for several months, then hope you can find the right toys in December, or go shopping in September/October and let the store house the goods for 2-3 months while you pay it off.

From a financial standpoint, if you start with the assumption you're going to buy X, don't absolutely need to have it immediately, and won't have the cash to cover it within the month, it's certainly better than using credit. Personally, I'm of the same mindset you are - I don't spend if I don't have the money, but there are some potential upsides I can see
 
2021-09-24 11:56:17 PM  
Let's be honest.

The real reason layaway still existed was because some Secret Santa keep spending massive amounts to pay off everyone's layaway bill, and people are hoping they'll win the lottery instead of doing what non-stupid people do: budget and buy or use credit and pay at slightly higher rates.

Layaway is about as relevant in this day and age as typewriters and punch cards. A novelty that has outlived its usefulness.
 
2021-09-25 12:19:16 AM  

BMFPitt: I never understood layaway.  What advantage did it present over simply saving the money yourself?


You get to do your shopping in November, when the shelves are full, instead of 2 days before xmas, when they're empty.
 
2021-09-25 12:26:50 AM  
your APR rate will be between 10 percent to 30 percent, depending upon your credit

And there's the real reason for the switch right there, I'm sure Walmart is getting a healthy chunk of that APR. If people had good credit, they wouldn't be using layaway, so it's yet another way for poor people to keep being poor. At least if you couldn't afford your layaway, you could cancel it and get your money back, minus a small fee, you can't do that with credit.
 
2021-09-25 12:28:41 AM  
I never really got the point of layaway at Walmart.  If I'm going to spend serious money on a product it's probably not going to be there.  I mean, say you're looking for a really nice TV, are you going to buy it from Walmart or a retailer the specializes in TV's?  Even there, technology is probably the worst thing to put on layaway, by the time you come up with the money the product will likely be cheaper or something better will be on the market.

Layaway makes sense in furniture or jewelry stores.  The items are expensive and inventory changes frequently.  It also makes sense for teenagers working their first job... they probably can't come up with $1,000 dollars to buy that PS5 in a week or two... but I doubt Walmart was letting you put that in layaway anyway.

I don't think I've ever spent more than a couple hundred dollars at Walmart.

/Two cents
 
2021-09-25 12:33:50 AM  

baronbloodbath: Let's be honest.

The real reason layaway still existed was because some Secret Santa keep spending massive amounts to pay off everyone's layaway bill, and people are hoping they'll win the lottery instead of doing what non-stupid people do: budget and buy or use credit and pay at slightly higher rates.

Layaway is about as relevant in this day and age as typewriters and punch cards. A novelty that has outlived its usefulness.


That's completely ignorant, lots of people used layaway year round, not just at xmas. It's a useful tool for buying items you otherwise couldn't afford when you cant get credit. In the end though, it has always been a courtesy extended by the store, so it's within their rights to discontinue it.
 
2021-09-25 12:39:19 AM  

baronbloodbath: Let's be honest.

The real reason layaway still existed was because some Secret Santa keep spending massive amounts to pay off everyone's layaway bill, and people are hoping they'll win the lottery instead of doing what non-stupid people do: budget and buy or use credit and pay at slightly higher rates.

Layaway is about as relevant in this day and age as typewriters and punch cards. A novelty that has outlived its usefulness.


It makes perfect sense... at jewelry and furniture stores.  If you want a specific $4,000 dollar sectional, it's great to be able to put $400 down to make sure the store won't sell it to someone else while you come up with the other $3,600.

I've never cared for jewelry, but if you want that necklace, it makes perfect sense to put a percentage down so the seller will hold it for you.
 
2021-09-25 12:44:17 AM  

ReapTheChaos: your APR rate will be between 10 percent to 30 percent, depending upon your credit

And there's the real reason for the switch right there, I'm sure Walmart is getting a healthy chunk of that APR. If people had good credit, they wouldn't be using layaway, so it's yet another way for poor people to keep being poor. At least if you couldn't afford your layaway, you could cancel it and get your money back, minus a small fee, you can't do that with credit.


I expect they also have will ding the vendor when the customer doesn't pay the loan.  A large amount of the stuff in a walmart isn't owned by Walmart but is there on commission. Any stolen items aren't walmart's problem and returns just get deducted against future invoices so also not Walmart's problem.  With deadbeat loans, I'm guessing there is a way that it won't be Walmart's problem either.
 
2021-09-25 12:44:31 AM  

ReapTheChaos: baronbloodbath: Let's be honest.

The real reason layaway still existed was because some Secret Santa keep spending massive amounts to pay off everyone's layaway bill, and people are hoping they'll win the lottery instead of doing what non-stupid people do: budget and buy or use credit and pay at slightly higher rates.

Layaway is about as relevant in this day and age as typewriters and punch cards. A novelty that has outlived its usefulness.

That's completely ignorant, lots of people used layaway year round, not just at xmas. It's a useful tool for buying items you otherwise couldn't afford when you cant get credit. In the end though, it has always been a courtesy extended by the store, so it's within their rights to discontinue it.


Yeah, but at Walmart?  They don't sell high end stuff.
 
2021-09-25 12:46:22 AM  

electricjebus: I never really got the point of layaway at Walmart.  If I'm going to spend serious money on a product it's probably not going to be there.  I mean, say you're looking for a really nice TV, are you going to buy it from Walmart or a retailer the specializes in TV's?  Even there, technology is probably the worst thing to put on layaway, by the time you come up with the money the product will likely be cheaper or something better will be on the market.

Layaway makes sense in furniture or jewelry stores.  The items are expensive and inventory changes frequently.  It also makes sense for teenagers working their first job... they probably can't come up with $1,000 dollars to buy that PS5 in a week or two... but I doubt Walmart was letting you put that in layaway anyway.

I don't think I've ever spent more than a couple hundred dollars at Walmart.

/Two cents


Where do you live that they still have specialty store selling only TV's? We have Best Buy here, but there selection isn't really that much better than Walmart. Anyway, layaway isn't just for large purchases, people use it for back to school clothes, or getting clothes, toys and other gifts at xmas. You've obviously never been poor, all that little shiat adds up when you have to pay for it all at once.
 
2021-09-25 12:58:05 AM  

ReapTheChaos: electricjebus: I never really got the point of layaway at Walmart.  If I'm going to spend serious money on a product it's probably not going to be there.  I mean, say you're looking for a really nice TV, are you going to buy it from Walmart or a retailer the specializes in TV's?  Even there, technology is probably the worst thing to put on layaway, by the time you come up with the money the product will likely be cheaper or something better will be on the market.

Layaway makes sense in furniture or jewelry stores.  The items are expensive and inventory changes frequently.  It also makes sense for teenagers working their first job... they probably can't come up with $1,000 dollars to buy that PS5 in a week or two... but I doubt Walmart was letting you put that in layaway anyway.

I don't think I've ever spent more than a couple hundred dollars at Walmart.

/Two cents

Where do you live that they still have specialty store selling only TV's? We have Best Buy here, but there selection isn't really that much better than Walmart. Anyway, layaway isn't just for large purchases, people use it for back to school clothes, or getting clothes, toys and other gifts at xmas. You've obviously never been poor, all that little shiat adds up when you have to pay for it all at once.


St. Louis, even Best Buy is better than Walmart for TV's.  Granted, I haven't bought a new TV in 6 years and that was at Microcenter, I bought my most recent monitor online from New Egg.

I've been broke before, what I've never had is kids.  I've bought clothing from Walmart too, twice.  Don't buy clothing from Walmart, it's cheap, but it's garbage.  I've got a shirt in my closet that's 24 years old, nothing I bought from Walmart lasted a year.  You're much better off going to Salvation Army for clothing if you don't have money.
 
2021-09-25 1:25:18 AM  

rummonkey: Maybe it's time for us to start to move away from this self-destructive tradition of burying our families in Christmas presents, half of which they will never even use.

Smaller numbers of gifts, more thoughtfully selected and within our budget.


Fark user imageView Full Size
 
2021-09-25 1:36:45 AM  

BKITU: FTFA:
"For cart totals between $144-$799.99, you may be able to finance your purchases over 3, 6, or 12 months. For carts between $800-$2,000 you may be able to finance your purchases over 12, 18, or 24 months. All payment options are subject to eligibility."

"Zero-percent APR is a promotional financing for only certain Walmart.com products and for a limited time. For other items, your APR rate will be between 10 percent to 30 percent, depending upon your credit and will show up when you check out with Affirm."

Holy frogballs.

For reference, here's what a $2000 loan at 30% for 24 months looks like:

[Fark user image image 689x388]

Nice to see that having shiatty credit is as expensive as ever. Shows some continuity during uncertain times.

/s


Maybe that's a good thing? If you're poor you should probably be skipping the whole consumerist holiday thing in the first place.

If you need to go into debt to give gifts, maybe the popsicle stick and paste section of DIY gifts is more in the budget.

God damn people are stupid.
 
2021-09-25 1:43:28 AM  
So it's a credit card, but on your phone and it only works in one store?
 
2021-09-25 2:17:10 AM  

electricjebus: ReapTheChaos: electricjebus: I never really got the point of layaway at Walmart.  If I'm going to spend serious money on a product it's probably not going to be there.  I mean, say you're looking for a really nice TV, are you going to buy it from Walmart or a retailer the specializes in TV's?  Even there, technology is probably the worst thing to put on layaway, by the time you come up with the money the product will likely be cheaper or something better will be on the market.

Layaway makes sense in furniture or jewelry stores.  The items are expensive and inventory changes frequently.  It also makes sense for teenagers working their first job... they probably can't come up with $1,000 dollars to buy that PS5 in a week or two... but I doubt Walmart was letting you put that in layaway anyway.

I don't think I've ever spent more than a couple hundred dollars at Walmart.

/Two cents

Where do you live that they still have specialty store selling only TV's? We have Best Buy here, but there selection isn't really that much better than Walmart. Anyway, layaway isn't just for large purchases, people use it for back to school clothes, or getting clothes, toys and other gifts at xmas. You've obviously never been poor, all that little shiat adds up when you have to pay for it all at once.

St. Louis, even Best Buy is better than Walmart for TV's.  Granted, I haven't bought a new TV in 6 years and that was at Microcenter, I bought my most recent monitor online from New Egg.

I've been broke before, what I've never had is kids.  I've bought clothing from Walmart too, twice.  Don't buy clothing from Walmart, it's cheap, but it's garbage.  I've got a shirt in my closet that's 24 years old, nothing I bought from Walmart lasted a year.  You're much better off going to Salvation Army for clothing if you don't have money.


Yeah, you take a teenager to the Salvation Army for back to school clothes and let me know how that goes.

I wear mostly t shirts and jeans, and the ones from Walmart last just as long as anywhere else. Fruit of the Loom and Levi's are the same no matter where you buy them.
 
2021-09-25 2:20:18 AM  

137 Is An Excellent Time: If you need to go into debt to give gifts, maybe the popsicle stick and paste section of DIY gifts is more in the budget.


They didn't need to go into debt, they had layaway. Now their only choice is go into debt, at 30% APR no less.
 
2021-09-25 2:35:59 AM  

BKITU: FTFA:
"For cart totals between $144-$799.99, you may be able to finance your purchases over 3, 6, or 12 months. For carts between $800-$2,000 you may be able to finance your purchases over 12, 18, or 24 months. All payment options are subject to eligibility."

"Zero-percent APR is a promotional financing for only certain Walmart.com products and for a limited time. For other items, your APR rate will be between 10 percent to 30 percent, depending upon your credit and will show up when you check out with Affirm."

Holy frogballs.

For reference, here's what a $2000 loan at 30% for 24 months looks like:

[Fark user image image 689x388]

Nice to see that having shiatty credit is as expensive as ever. Shows some continuity during uncertain times.

/s


I'm confused - $2000 at 30% APR would be $600 for the first year (simplified). So is $700 for two years supposed to be a shock?

We really need to fund financial literacy in schools. An interest rate over 5% is worth a second look unless you're desperate.
 
2021-09-25 2:47:49 AM  

ReapTheChaos: 137 Is An Excellent Time: If you need to go into debt to give gifts, maybe the popsicle stick and paste section of DIY gifts is more in the budget.

They didn't need to go into debt, they had layaway. Now their only choice is go into debt, at 30% APR no less.


The point is, maybe they should take the money they were planning on putting down for some Chinese gift on layaway and maybe save up an emergency fund for a rainy day, or pay down their back rent, or save it for retirement.

Buying cheap WalMart shiat with a free 0% loan on your money to them or a 30% loan with a finance company's capital to you is stupid as fark.

Put it in a savings account for a down payment on a house.

Consumerist culture is so bleeding dumb.
 
2021-09-25 2:55:27 AM  

ReapTheChaos: Yeah, you take a teenager to the Salvation Army for back to school clothes and let me know how that goes.

I wear mostly t shirts and jeans, and the ones from Walmart last just as long as anywhere else. Fruit of the Loom and Levi's are the same no matter where you buy them.


Oddly enough, they're not.  Walmart is actually the reason that Levi started manufacturing in China, and they initially sold those jeans specifically to Walmart.
 
2021-09-25 7:53:58 AM  

ReapTheChaos: electricjebus: I never really got the point of layaway at Walmart.  If I'm going to spend serious money on a product it's probably not going to be there.  I mean, say you're looking for a really nice TV, are you going to buy it from Walmart or a retailer the specializes in TV's?  Even there, technology is probably the worst thing to put on layaway, by the time you come up with the money the product will likely be cheaper or something better will be on the market.

Layaway makes sense in furniture or jewelry stores.  The items are expensive and inventory changes frequently.  It also makes sense for teenagers working their first job... they probably can't come up with $1,000 dollars to buy that PS5 in a week or two... but I doubt Walmart was letting you put that in layaway anyway.

I don't think I've ever spent more than a couple hundred dollars at Walmart.

/Two cents

Where do you live that they still have specialty store selling only TV's? We have Best Buy here, but there selection isn't really that much better than Walmart. Anyway, layaway isn't just for large purchases, people use it for back to school clothes, or getting clothes, toys and other gifts at xmas. You've obviously never been poor, all that little shiat adds up when you have to pay for it all at once.


Only TV probably doesn't exist, but there are companies that specialize in installing home theaters and smart home technology with a level of personal seevice you won't get from Best Buy.
 
2021-09-25 10:03:12 AM  

electricjebus: ReapTheChaos: baronbloodbath: Let's be honest.

The real reason layaway still existed was because some Secret Santa keep spending massive amounts to pay off everyone's layaway bill, and people are hoping they'll win the lottery instead of doing what non-stupid people do: budget and buy or use credit and pay at slightly higher rates.

Layaway is about as relevant in this day and age as typewriters and punch cards. A novelty that has outlived its usefulness.

That's completely ignorant, lots of people used layaway year round, not just at xmas. It's a useful tool for buying items you otherwise couldn't afford when you cant get credit. In the end though, it has always been a courtesy extended by the store, so it's within their rights to discontinue it.

Yeah, but at Walmart?  They don't sell high end stuff.


Probably not high end stuff, but I think it's a mistake to buy any high end tech stuff (tvs, computers). And if you're looking for basic consumer-grade stuff, I think it's very useful to check Walmart. Their selection, like most B&M retailers, is pretty narrow. And for both TVs and computers, they often have exclusive configurations so it's never exactly the same tv or laptop as available elsewhere. But as long as you check that the number of ports works for you (or whatever the variant is), that's still an HP laptop or Samsung chromebook, or I forget which brand of TV I got from them 10+ years ago. All were great deals and while none of them were leading edge tech, it's all just as good as the similar stuff I've bought from Micro Center, Newegg, Amazon, Costco, Best Buy over the years.
 
2021-09-25 10:35:49 AM  

electricjebus: ReapTheChaos: Yeah, you take a teenager to the Salvation Army for back to school clothes and let me know how that goes.

I wear mostly t shirts and jeans, and the ones from Walmart last just as long as anywhere else. Fruit of the Loom and Levi's are the same no matter where you buy them.

Oddly enough, they're not.  Walmart is actually the reason that Levi started manufacturing in China, and they initially sold those jeans specifically to Walmart.


Yeah, a lot of the "name brand" stuff in walmart is made at a lower quality standard and sold to walmart only, at a lower price, so walmart call sell name brand stuff cheaper than anyone else.

The labels are the same but the product is inferior.
 
2021-09-25 12:54:17 PM  
My wife, along with her siblings and parents, exchange names. $50 limit. Invariably, my wife feels the need to still buy her mother, father, our niece and nephew, and her sister a farking present too. I said "what's the point of drawing names if you still buy for 7 out of 10 people?"

Yep, that's our family. The rules are, one $40 gift and the dozen or so in the extended family plays Dirty Santa. But everyone brings extra gifts for our parents and for the younger children.
 
2021-09-25 5:20:47 PM  
How about a 'if you can't pay for it you don't get it' plan for consumer goods.
 
2021-09-25 6:28:17 PM  

ReapTheChaos: I wear mostly t shirts and jeans, and the ones from Walmart last just as long as anywhere else. Fruit of the Loom and Levi's are the same no matter where you buy them.


The product isn't the same unless it is the same type as well. Lots of brands have cheaper versions to sell. It helps create a market of people who might get raises in the future and then buy the more expensive and more qualitative versions.
 
2021-09-25 11:00:43 PM  

The Smails Kid: rummonkey: Maybe it's time for us to start to move away from this self-destructive tradition of burying our families in Christmas presents, half of which they will never even use.

Smaller numbers of gifts, more thoughtfully selected and within our budget.

Holy farking THIS


I've been trying like hell for years to try and get to this point but my wife keeps imagining people that she needs to compete with when it comes to numbers of presents under the tree. Hopefully with all of the covid related scarcity and shipping delays I can get my wish and we can start actually enjoying Christmas instead of opening dozens of things that the kids are going to forget in 3 weeks.
 
2021-09-25 11:17:43 PM  

Muzzleloader: electricjebus: ReapTheChaos: Yeah, you take a teenager to the Salvation Army for back to school clothes and let me know how that goes.

I wear mostly t shirts and jeans, and the ones from Walmart last just as long as anywhere else. Fruit of the Loom and Levi's are the same no matter where you buy them.

Oddly enough, they're not.  Walmart is actually the reason that Levi started manufacturing in China, and they initially sold those jeans specifically to Walmart.

Yeah, a lot of the "name brand" stuff in walmart is made at a lower quality standard and sold to walmart only, at a lower price, so walmart call sell name brand stuff cheaper than anyone else.

The labels are the same but the product is inferior.


It can be but it depends on the brand. Levi's are fine.

https://www.reddit.com/r/malefashiona​d​vice/comments/1t893k/the_truth_about_l​evis_quality_from_store_to_store/

types of Levi's lines
 
2021-09-26 12:21:23 AM  

rummonkey: Maybe it's time for us to start to move away from this self-destructive tradition of burying our families in Christmas presents, half of which they will never even use.


I am childless by choice, but I have seven nieces and nephews. When they were growing up my Christmas present was always a day at an arcade in northern Kentucky. Now that they are older, I give presents along the same lines - experiences - instead of "stuff"

That's no to say I haven't been guilty of giving things - the original Wii was a hit - but we've evolved. I moved to experiences once they all ignored 400 dollars worth of drones I bought one Christmas. I realized the things were pointless compared to spending time together.
 
2021-09-26 1:17:38 AM  

Muzzleloader: electricjebus: ReapTheChaos: Yeah, you take a teenager to the Salvation Army for back to school clothes and let me know how that goes.

I wear mostly t shirts and jeans, and the ones from Walmart last just as long as anywhere else. Fruit of the Loom and Levi's are the same no matter where you buy them.

Oddly enough, they're not.  Walmart is actually the reason that Levi started manufacturing in China, and they initially sold those jeans specifically to Walmart.

Yeah, a lot of the "name brand" stuff in walmart is made at a lower quality standard and sold to walmart only, at a lower price, so walmart call sell name brand stuff cheaper than anyone else.

The labels are the same but the product is inferior.


I know, I work in manufacturing.
 
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