Happy New Year—you have no privacy

I confessed in my piece about Elizabeth Warren that I shopped on Panic Saturday (Dec. 21). Macy's was so happy to see me again that today I received a 14 page bill (some pages were blank) for spending $221.07 on Christmas gifts for my husband! I'm so old I remember when credit card bills were half a sheet of paper 2 sides.

But I was warned. On pg. 1 it referred me to pg. 7 for details on changes being made to my Credit Card Agreement. On pg. 3 it warned me about changes coming on 2/24/20 which it will do in detail on p. 7, and again repeats all the billing information on p. 1--Polo sleepwear, Hilfiger sleepwear, Hilfiger necktie, Tasso Elba neckwear, Alfani shirt, Perry Ellis neckwear, Clubroom shirt. BTW, the Alfani fabric felt cheap after I removed 105 straight pins and washed it. On p. 5 and 6 the only information was that the annual percentage rate is 26.74%, variable rate.

Finally the glorious p. 7 where I am told how much I am appreciated and how they look forward to serving me in the future. The changes revealed on p. 7 are
increased late fees,
returned payment fee and
returned convenience check fee.
The minimum payment due calculation is changing and
the Promotion calculation is recalculated beyond my ability to understand.

"For additional language regarding how and when these fees will be charged, please see the section called "Fees" in your Credit Card Agreement.
Then in a box the explanation of penalty fees--late payment and returned payment. I only have a master's degree, and couldn't decipher this even with the sentence diagramming I learned in 4th grade.

On p. 8 the good folks in Macy's advanced college English class explain making payments--
Minimum Payment Due,
calculated new balance
past due account,
excess of my credit limit,
amount due on each Club Plan,
adding in any amount required by
the Promotion Calculation
the calculated new balance, rounded up
applicable late fee
subtracted interest charges accrued during prior billing cycles
Special event balance
Calculated new balance = New Balance - any balances subject to a Club Plan or the Promotion Calculation

At this point I'm only half way through p. 8 and am worn out.

Page 9 explains who all can see my personal information. It's like Trump's tax returns. If Macy can do all this, why can't Congress? It clearly says, Macy's can share my personal information with anyone they damn well please. Honest. It does.

Social security number and income,
account balances and
employment information,
credit history and
transaction history,
anything they need to run their everyday business. . .
even court orders and
legal investigations or
credit bureau information.

Why do they need this private, personal information? According to Macy's p. 9 of 14,
for marketing purposes,
for joint marketing with other financial companies,
for their affiliates everyday business purposes, and
Macy's everyday business purposes so
they can market to me and
their nonaffiliates can market to me.

And when I am no longer Macy's customer, they claim the right to continue to share my information described in this notice.

DSNB does this, not Macy's. Department Stores National Bank. And on p. 10 there is a long list of what it collects.

Page 11-14 are math problems. 3%, 2% 1% rewards spent at restaurants which are stand-alone merchants in the U.S. that primarily serve food. If you accumulate 1,000 points, yada, yada. . .
But exclusive for you: free shipping from Al's family farms 18 lbs of Florida Honeybells for only $49.95 delivered with a bonus of Orange blossom honey.

Happy New Year. Capitalism is almost as much fun as taxes.

Elizabeth Warren

I shopped on panic Saturday! December 21. More money was spent by Americans that day, $34.4 billion, than any day in America's history. And Elizabeth Warren is trying to make Americans fearful, that there's a terrible gap, that life's unfair so she needs to steal money from some and give it to others! The big four leading the way were Walmart, Amazon, Costco and Target. Is that where the top 1% shop? Nope. It's where we all shop. (I shopped at Macy's and Kohl's.) Why do Democrats preach doomsday? Because they don't believe in America. Not the people, not the Constitution, not the economy, and certainly not the president.

Back to School purchases big business for retailers

• $8.2 Billion – The estimated amount of money spent at family clothing stores in August 2014. Sales at bookstores in August 2014 were estimated at $1.6 billion. Source: U.S. Census Bureau, Monthly Retail Trade and Food Services
• For back-to-school shopping, choices of retail establishments abound: In 2013, there were 27,340 family clothing stores, 7,047 children and infants clothing stores, 25,100 shoe stores 6,998 office supply and stationery stores, 7,064 bookstores and 8,102 department stores. Source: U.S. Census Bureau, 2013 County Business Patterns

Wal-Mart, Amazon and others to stop selling Civil War confederate symbols

Our educational theme this week at Lakeside is WWII. We've reviewed the horrors of the European theater and the Pacific theater. Within just a few years after the end of the war on two fronts we were trading partners and chummy with Japan and Germany. Our academics were agonizing over whether the bomb was necessary and paying reparations to Japanese Americans. My father brought home souvenirs made in Japan after the war when just a few months before Americans were trashing everything that had a Japan stamp on it. The U.S. rushed to save the starving and battered Germans and helped rebuild their cities we had been destroying.

But it seems we have a segment in our own country, primarily leftists who are unhappy that in the last 50 years Democrats have lost the vote south of the Ohio River particularly the last decade, that just must continue to punish the South. The internet is alive with calls for retribution—150 years later—for the sins and evil of Dylann Roof.  The patriotism in the southern states could put the North Eastern blue states to shame as they push our country toward socialism and statism, the very political ideas our fathers and grandfathers fought. Major retailers are rushing to please their government bosses, removing the remnants of the Confederacy while still selling Nazi paraphernalia. But then Nazi is short for "National Socialist," a system of government where private businesses were allowed but the government regulated everything from the idea to the owner to the employees to the supply chain to the consumer. A system that taught, "You didn't build that."

On Tuesday, several well-known retailers, including Wal-Mart and eBay [as well as Amazon, Target, Etsy, Sears], announced they would no longer sell or offer merchandise featuring the Confederate battle flag. But, Twitchy said, a number of people noticed a bit of hypocrisy in the items remaining for sale.

Walmart, for example, continues to offer Che Guevara posters for a mere $46.55. Guevara, Biography.com said, "was a Marxist revolutionary allied with Fidel Castro who went on to become an iconic cultural hero." The retail giant also offers at least three Lynyrd Skynrd CDs that prominently feature the battle flag as of this writing. We contacted Walmart to determine if they intend to remove the items but have not received a reply. The retail store, however issued a statement on its decision. [we never intend to offend anyone].

http://www.examiner.com/article/hypocrisy-seen-efforts-to-scrub-confederate-battle-flag-from-public-view

Loaded words in this article about shopping

Doesn’t seem to be much love for retail in this article.  I wonder if the author understands that it is the advertising for products (which must be sold to make a profit) that pay his bills?  This article guarantees a negative impression of American retailers. http://www.menshealth.com/best-life/retail-tricks

America's malls and department stores would like to see you shell out even more.

subtle psychological tricks

latest scientific research on the shopper's brain

stores are squeezing more pennies from your pocket

something more insidious

subconsciously plants that second idea

free from other manipulations

subconsciously influenced the shoppers

Fight back against these hidden retail tricks

The Thanksgiving Day Store Opening flap

Oh the outrage that some major retailers will be open on Thanksgiving Day!  Many single and foreign born employees like the extra hours, and the people I know who work retail "bid" for their hours. Also, why are we concerned only about retail when restaurants, churches, hospitals are open and people are working, as are police, fire and utility workers, transportation (air, rail, ship) gas stations, movies and quick stop places? I don't plan to shop on Thursday, and certainly not on Friday. But it's a choice.

Retail stores are in a tight spot--for some retailers the month between Thanksgiving and Christmas is 20-40% of sales, and the dollar spent at Walmart isn't spent at Sears or Kohls, so most try to compete. Our gifts are so modest, it will make no difference if they are open around the clock. Retail stores are also competing with internet shopping, open 24/7. Stores with fewer sales have to charge more for each item--it's called profit margin, and for department stores it's about 3%, and less for specialty stores.

If you want to shop that store or see those movies the rest of the year, please allow them to do what they need to do to make a profit at Christmas and don't call them greedy. Retailers are not government agencies paid for with tax dollars or non-profits with tax breaks.  Profit is why they are there.

Many early settlers and conservative Christian groups did not celebrate Christmas at all because of its pagan origins and the drunken revelry that accompanied the holiday. My mother was born in 1912, and her family didn't exchange presents or celebrate. You have the choice—don’t’ shop on Thanksgiving if you want to spend the day with family and do limit your purchases so you can have a non-materialistic and spiritual holiday.

Who remembers

I remember eating at the Woolworth's in Dixon, Illinois when shopping with my mother. I checked on line and it opened in 1914 and closed in 1988.  Which means she may have eaten there when shopping with her mother.  This photo is not that store—it wasn’t that large, but I think they all looked similar.  The Dixon store had a bad fire (according to Lee Co. history) in 1943, and was rebuilt.  As I recall, there was also a Woolworth’s in Champaign, Illinois.

Media hype wrong again

So much for all the gloom, doom and disaster the media were promoting. Who are their sources? The people went out on Black Friday and increased spending by 3% over last year. And for once I'm glad. The jobs they saved may be their neighbors or their own. Now we'll get all the qualifying stories from the journalists and consultants who got it wrong. The "yes, but," excuses.

Anyone in retirement years can see we're heading for a bad time, just open your latest statement. It's not like 2004 when the Kerry/Edwards campaign continually bad mouthed the economy for over a year, Bush, new jobs, etc. and the media chimed right in. It's not 2006 when the Democrats took over Congress by campaigning on the bad economy (that wasn't) and then rode it into the ditch by making no corrections the president wanted. The week after the 2004 election it was all good economic news again. Because we don't have time for it turn around like it did in the late 80s, and the late 90s and after 9/11, it's going to be a challenge for retirees--especially if they don't fix that 70.5 age for drawing down IRAs based on Dec. 31, 2007 balances. People my age didn't grow up expecting everything, so we are probably better off than the younger boomers who thought life would always be a bigger house, or a new leased car every other year, or a vacation in Aruba.

If your company ignores Christmas--Plow & Hearth

Dear Jim McCann, CEO and
Chris McCann, President
1-800-Flowers
Carle Place, NY

You didn't ignore Christmas! Good for you! I see that you now own Plow & Hearth. I just may send an order, because it's a neat holiday catalog, and they managed to insert the word "Christmas" into several descriptions of gifts. The word Christmas is actually on the cover of the print edition (even if it is an adjective modifying delivery) and on the verso where it appears on musical miniature music boxes. There's a tiny mention of what it's all about in "Star of Bethlehem" bulb garden on the back cover. On page 11 they also advertise that if I order a live fir sapling ($24.95), they'll send me a tree-shaped ornament engraved "Merry Christmas 2007" along with planting instructions. There are 11 pewter ornaments on this page, and for each one sold, a tree will be planted by the Canadian company that creates them. I'm guessing there are at least a few million Canadians who know the real meaning of Christmas, and perhaps next year Plow & Hearth could request a religious symbol of the infant Jesus and his mother be included along with the secular, like the baby penguin and its mother.

I wish you could have done more for the millions of Christians who might be potential customers, but so far, you are definitely winning in my Christmas Catalog competition!

In 2005, Plow & Hearth celebrated its 25th anniversary. It was sold to 1-800-Flowers in 1998. It has grown from a small country store into a multi-channel retailer, a leader in the catalog industry and the premiere source of products for the home, hearth, yard and garden. It participates in and has won awards for many state (Virginia) and local projects that help people and the environment.

Barnes & Noble
Lowe's

If your company ignores Christmas--Barnes & Noble

Carolyn Brown
Director of Corporate Communications
Barnes & Noble.com

Dear Ms. Brown,

I'm looking through your on-line holiday catalog (for something to blog about or purchase on my membership card), and I see that you ignore my holiday, Christmas. There are many items for an unspecified holiday, a winter event, a joyous memory, and a seasonal gift, but nothing about Christmas, which millions who receive your catalog celebrate every year. Can you account for this? Why should I support you if you don't support me?

Thank you,
Norma Bruce

See also letter to Lowe's

If your company ignores Christmas

don't expect my business.

Dear Melissa Birdsong,
Vice President,
Lowe's Companies, Inc.

Thank you for sending our household "Lowe's Creative ideas for Home and Garden." Winter 2007-2008. I noticed you had a lot about "holiday season," "winter season," "holiday trees," and "holiday cheer," etc. Fine, but the holiday we celebrate in this house is known as Christmas, a time when we celebrate our Savior's birth. The only nod you give to my holiday is an article about how a family can blend Hanukkah (listed first) and Christmas traditions in one unique decorating scheme where your decorators have cleverly mixed blue and green (sorry, but I missed the importance of this). And then in the next article you feature a Kwanzaa celebration. It's so little known, you actually explain what it is in a specially highlighted spot. It might have been nice if you had done the same for the Christian holiday, since it looks as though you might need to research it to learn what we celebrate.

Thanks, but no thanks. Maybe I'll stop by the store in the spring when it's time to clean up the yard, but if you don't recognize Christmas, I'll skip your promotions.

"With fiscal year 2006 sales of $46.9 billion, Lowe's Companies, Inc. is a FORTUNE® 50 company that serves approximately 13 million customers a week at more than 1,450 home improvement stores in 49 states. Founded in 1946 and based in Mooresville, N.C., Lowe's is the second-largest home improvement retailer in the world." Stock price today (Nov. 15) is $24.81.