Blog Archive

Showing posts with label finances. Show all posts
Showing posts with label finances. Show all posts

2023-01-09

Self Checkout Is An Utter Ripoff - Rev. J.T. Smith

 

 

It does not matter whether it's at Walmart, Target, your local grocer, or your local convenience store.  In every instance, self-checkout is a function of a corporation to literally slave your labour.

Every price on every product in every store covers more than merely replacing that product on the shelf for the next customer.  Obviously a portion of that price does pay for the store restocking that product and another portion is the profit for the store/corporation, but there's still paying the utilities (electric, telephones, heat, etc.) and the payroll for all the employees.  Including cashiers.


Earlier I referred to "slav[ing] your labour."  When you choose self-checkout, you are literally doing the job of one of the employees, specifically the cashier, and you are not being paid for it.  Not even a small discount for doing the job.  The corporation that own the store is making even more money off you as they get the profit(s) from the product(s) you are purchasing and they are not having to pay the expense of the payroll for the employee whose job you are doing for free.

Let's put this in perspective.

Regardless of where you work, what field you work in, or who you work for, the "company" [small company or multinational corporation], you are dealing with customers.  Even if only indirectly.  Now imagine if a customer came to your workplace and started doing your job without pay.  Sounds great being able to go to work and someone else is doing your job for you, doesn't it?

Or would your automatic response be realization that if someone else is doing your job, then you no longer have a job.

That is what is happening in every store that has self-checkout.  Trafficking is a new word for the slave trade.  To my mind, self-checkout is little more than innocuous voluntary slave labour.  Why should any company bother with hiring employees when they can get their customers to pay the company to do the jobs of the employees?


 I will NEVER go through self-checkout with my order in any store!  Any store that completely switches completely to self-checkout rather than actually hire people will be automatically boycotted by me.  I do not care how much "faster" it is to just do it yourself using self-checkout, I am not going to participate in something that causes people to lose their livelihood.

The pandemic demonstrated just who the essential workers are.  Thanks to self-checkout, companies are working to eliminate their positions so that unpaid, let alone underpaid, people can do the work.  More money for the uber-rich and more unpaid labour for everyone else.

by Rev. J.T. Smith

2021-01-31

"Earning" A Rebate? - Rev. J.T. Smith

 These days you'll see adverts like this from Rakuten 

 with taglines like: "Stores pay us. We pay you." (FYI, this is actually a rebate) or articles like this one titled "How I earned more than $2,500 using credit cards in 2020.  These cards helped me earn a 4.1% rate of return on spending last year" found on creditcards.com.  It has always bothered me when I see articles and adverts claiming people are getting paid and/or that they're "earning money" when in reality they're only getting a rebate.  

Please understand that I am not opposed to getting a rebate from a company or cash back from a credit card company per se, but claiming that I am being paid or have somehow earned that discount (especially in terms of a rebate) is very misleading.  Rebates are best recognized as large companies acknowledging that they are vastly over charging for their goods and/or services, and that cash back or points from credit card companies are simply another form of rebate that is simply processed from another source.

What's even worse is when companies tell you that the cost for something is $X without informing you that you get that price after a mail-in rebate.  Pep Boys pulled that one on me once when I was in need of an an oil change.  I was quoted $19.99 for the oil change when I called ahead to find out the price so that I could be certain I had enough money available to pay for it (I did not have any credit cards at all at the time and being a non-pizza food delivery driver my personal available cash on hand was typically tight).  It wasn't until my car was on the rack and the oil change was in progress that I spotted a sign informing me that the up front price for the oil change was $49.99, the $19.99 was after a $20 mail-in rebate.  I was lucky that I had just enough money to pay the bill but no ability to make change for my next delivery.  To add insult to injury, I never did receive the rebate.  Pep Boys will never again be allowed to work on any vehicle I own.

No one actually earns a rebate or the cash back that credit card customers can receive.  It is that belief that people are "being paid for shopping" that has allowed pyramid schemes like Amway to stay in business and that leads so many people to get into financial trouble with their credit cards!

Yes, you can get good discounts from credit cards and rebates, and you're better off if you can simultaneously stack those discounts for the same purchase.  I am not denying that fact.  But, let's call it what it really is: Cash back from credit cards are rebates, and any rebate is nothing more than a delayed discount that's saving you some money, but not a paycheque.

 - Rev. J.T. Smith