Obama’s stimulus package was largely ridiculed by the right wing for a decade now. I remember seeing Facebook posts about “The Obama stimulus was a disaster” and how we all “suffered in the Obama years.”
There are two big differences between the Obama stimulus and the Trump stimulus.
Obama didn’t crash the economy under his watch. The economy crashed before he took office. Bush initiated the stimulus, and Obama just carried it forward. Then the stock market went from 7949 when Obama took office to 19827 when he passed the baton to Trump. The bull market was steady for eight years and kept going up.
This continued under Trump. But Trump didn’t turn the economy around, Trump just kept it moving where it was already going, and via deregulation and tax cuts put more fuel on the fire. There is fundamentally nothing wrong with that, except that the massive debt we took on to finance these tax cuts will come to hurt us – long after Trump is gone.
Trump then took credit, called the Obama years a failure, which in reality just set him up to win. But now, Trump’s economy crashed, and as I write this we have no idea how bad it will get.
The pattern so far in my adult life:
Republicans drive up the debt and occasionally tank the market. Democrats then dig out, actually reduce the deficit, and rally the market. Both Clinton and Obama left office with the market at all-time highs.
Bush left office in financial catastrophe.
Trump – that’s anyone’s guess. How is your 401k doing right now?
I support Bernie Sanders, because I think his heart is in the right place. However, I have issues with many of his policies or attitudes. Here is a tweet he posted today:
I remember talking to a young woman in Vermont who left medical school with $300,000 in debt.
Her crime? She wanted to become a doctor and work with low-income people.
She shouldn’t be punished with a debt of $300,000. College indebtedness is a horror.
First of all, I don’t think anyone is saying she is committing a crime by being in debt. Her debt is not punishment.
She is now a medical doctor. In that profession, she is at the very top of the income scale, both for entry-level positions, as well as for long-term employment opportunities. We are short of medical professionals in this country, which means she is not likely to ever be unemployed. Her job won’t ever be outsourced and it won’t very soon be taken over by automation. In addition, her profession is highly esteemed by the public and she will enjoy the prestige that comes with it.
When she entered medical school, she knew exactly what was going to happen. Eight to ten years of college, during which he had to live, eat, pay rent, buy books, and – yes – pay tuition. She knew it was going to take many years and she was going to take on much debt to finance that investment in her future.
She didn’t all of a sudden fall prey to a loan shark who gave her $300,000 at high interest rate. She had to apply and qualify for those student loans over and over again, every semester anew. She picked up $15,000 to $20,000 every semester at a reasonably low interest rate, interest deferred, one grab at a time. Nobody forced her, nobody twisted her arm, nobody made her do that. She didn’t make an impulse buy of a medical degree. She worked at it for a decade, and she took loans out to finance her life for that decade.
She also didn’t decide for a lower-cost option. For instance, she could have joined the United States Marines via the ROTC program. She would have been a cadet in the undergraduate years and drawn a salary. She would have been a commissioned officer during her medical studies, and the military would have paid for all her education. She would now be debt-free, she would be a captain in the Marines, and she would be a medical doctor. The only thing the country would now ask of her is to serve as a medical officer for six years or so. She didn’t choose that option.
She chose to finance her education and be saddled with $300,000 of debt when she got out.
We, the country, owe her nothing. We don’t think she committed any crime, we don’t think she is being punished by her debt, and we don’t think her indebtedness is a horror.
Let’s compare this to a young family who bought their first house in California in 2005, right about the same time our young doctor finished her high school. 2005 was at a peak in the housing market. They found a nice place for $330,000. They had saved $30,000 for a down payment and took on a mortgage of $300,000. However, when the housing crisis hit in 2007, the value of the property they paid $330,000 for dropped to $140,000. They were hugely upside down. It would take more than 12 years before the value came back up to a reasonable level. They were saddled with punishing debt and there was no way they could sell their house.
Should the tax payer now bail out that family that made a perfectly reasonable decision in 2005 to buy their first house? Of course not! They had bad luck with timing of their real estate deal. Millions of Americans, tens of millions actually, experienced exactly that. We don’t think we should bail them out. They took risks, there were potential gains, but they ended up with severe losses.
The tax payer is not responsible for that young family’s mortgage.
The tax payer is not responsible for the medical doctor’s student loans.
Bernie Sanders is flat out wrong when he tries to pin student debt on the public. I know many bright young people who chose not to get a medical degree because they didn’t want to be burdened with crushing debt when they were done.
If the young doctor is not happy with her investment today, she needs to deal with it.
And that’s why I think Bernie will have trouble. Some of his ideas don’t even make sense to his own supporters – like me.
Here is a nice chart that shows how the debt grew under the various presidents. Things started to get nasty with Reagan and just kept doing. Trump is outpacing all that came before him.
We have all been the victims of impulse purchases. Sometimes it was at the checkout stand in the grocery store where we bought a nifty flashlight on a keychain. Or it was at Costco at the entry doors, and we now have a full and shiny new set of BBQ tools complete in a plastic case, even though we already have a totally adequate set at home that we use perhaps once a year.
Along comes Facebook where impulse buying it raised to an entirely new and much higher level.
On November 15, 2019, I saw a “survival tool product” on Facebook. The link went to www.captainswagger.com. I thought it would be a neat Christmas gift for my outdoor enthusiastic son, so I ordered it. I spent $69.00. I received an immediate email that my product was shipped and expected to get the product in the mail within a few days.
Weeks went by and nothing arrived. I contacted the company and got no response. After about a month, I gave up. I contacted PayPal and put in a claim for fraud. Over the next four weeks, the company sent emails to me and PayPal claiming first that the product was shipped with FedEx, but didn’t provide a tracking number. When that failed, a couple of weeks later, it provided a FedEx tracking number. When I checked on the status using that number, I learned that was bogus number that was never shipped and probably used for all claims. On the day the PayPal grace period expired in the middle of January 2020, I received a box via the United States Postal Service (note – not FedEx) with the product. It took them two months to get it to me, and during that time they send several emails with fraudulent claims of shipment that were obviously bogus.
Here are some reviews which echo my experience with Captainswagger.com. I am not the only customer who went through this. Captainswagger is definitely a fraud. I am not sure if I would have ever received the product had I not put in a formal claim with PayPal.
So now I have this “product” that I paid $69 for that never became a Christmas present.
Captainswagger Multifunctional Shovel – banana for scale
It came in a partially crushed box, and it’s not even close to the product being shown in the video above. Many of the pieces are not there, the versatility is not the same, the size seems different, and the carrying case is not included. Instead, it has these thin plastic camouflaged covers. To top it off, the version I bought was the upgraded one for $69.00, not the one for $39.95 on the website.
The real product is much smaller and way chintzier than it looks in the video, and I have absolutely no use for it. In 50 years of hiking and driving I have never come into a situation where I needed this tool, and I certainly won’t be putting it into my backpack when I go on hikes. I suspect my son would not have done so either. So why did I buy something from a company I knew nothing about, which turned out to be borderline fraudulent? Why did I buy “stuff” that is now in my house that I will never use?
It was easy, and it seemed like a neat thing I wanted. It reminds me of the exercise program I bought many years ago for $300 with a pull bar and a bunch of video disks. I had the good sense to send it back unopened when it arrived and I got my money back. That was before PayPal and Facebook.
With this “tool” I stand no chance. It was pulling teeth to get it in the first place. There is no way to get my money back without spending a lot more time and money without a guarantee of success.
Lessons learned:
Never buy impulse products no matter how well they are advertised. You don’t need them.
Never respond to ads on social media, no matter how slick they look. If you really needed the product, you would have googled for it and you would not have been on Facebook to get it. Trust your needs.
Never buy a product from on online vendor that you don’t know. I have vetted Amazon over years for its integrity and good service. If you return a product, their response is rock solid. I am sure there are other online retailers with that quality. However, this was just some website and I gave them my money. The money was gone.
Never buy with PayPal. PayPal is good to send money to a friend in Chile or Australia, or to pay for a product from a company you do business with all the time. However, in this case, PayPal’s mitigation against a fraudulent or even questionable vendor was completely inadequate. If I had paid with a credit card, the company would have refunded the money and come after the vendor. This vendor didn’t accept credit cards – for obvious reasons. Don’t buy online from strangers with PayPal.
Before making any impulse purchase, mark it and wait 24 hours. If the product still looks as good 24 hours later and you still want it, by all means, buy it. Chances are, you won’t bother, since you really didn’t need or want the product in the first place.
Occasionally, when I know I am going to be home alone in the evening, I like to go through the drive-through at KFC and pick up a light meal. It’s always the same. A two piece meal, original, with coleslaw and potato wedges.
That’s what I did today. When I got to the window, the clerk told me $8.39. I hesitated. I had eight dollars in my hand, prepared to pay the customary $7.76. Puzzled, I asked him to repeat the order. He did. “Did the prices go up?” I asked. “Yes, minimum wage went up at the beginning of the year.”
I don’t mind paying 63 cents more for my two piece meal, not at all. I don’t mind that the worker that serves me my order is making more money now on the minimum wage scale. But look what happened: The price went up. So did the prices of groceries, clothes, utilities, all to offset the additional minimum wages the companies now have to pay to their employees. Those employees now have to spend more on the things they buy, just like I need to spend more. This is called INFLATION.
Wages go up, prices go up, wages go up, prices go up. The fit companies innovate and replace humans with automation. Prices go up more.
The poor worker behind the counter is in the same position he was in before.
Bernie Sanders says that “everyone deserves a living wage!”
Nonsense!
Some people have no skills, no work ethic, no drive, and no education. They do not “deserve” the same wage as those people who work hard in school, get an education, and provide better services in the jobs they have, who do quality work, don’t call in sick every other day, and overall make themselves more useful.
Minimum wage increases are stupid, counterproductive, cause inflation, and do not help the workers at the minimum wage level.
There are several current presidential hopeful front runners who routinely vilify billionaires, most notably Bernie Sanders and Elizabeth Warren. While I am generally aligned with most initiatives of the Democratic platform, I vehemently oppose this notion that “the billionaire class” is the root of our problems in America, and therefore we need to stick it to billionaires to “get even.” I really believe their type of economic extremism makes them unelectable.
In August of 2015 I wrote a post titled Musings about Vilifying Billionaires. This post is as valid today as it was when I first wrote it four years ago.
One of the best books about business I have read in a long time was Shoe Dog by Phil Knight, the founder of Nike. Here is my review from April 2018. Phil Knight is now number 16 on the Forbes 400 List with a net worth of $35.9 billion. Phil was a regular guy like you and I in the 1960s when he started selling shoes from the trunk of his car. The story of how he built Nike to what it is today is one of the most powerful stories ever told in business. If you have started and run your own business you will know how incredibly stressful and hard it is it make it work, succeed and survive.
Only somebody who has never had to make payroll, like a politician, will say something stupid like “nobody deserves to be a billionaire.” A statement like that exposes the speaker and is a testament to their ignorance and lack of understanding of basic economics.
Let’s go back to the meme above – Martha Kelly probably thinks it is the responsibility of the billionaires to feed the hungry, clothe the naked and cure the sick. And therefore, we should take the money away from the billionaires and let the government handle giving it to the poor. Yes – good luck with that! The same people that make asinine statements like “nobody deserves to be a billionaire” are the ones whom we’re going to entrust the money they are going to take away from the rich to properly distribute to the poor.
Bill Gates has given away more than $28 billion to charity, and he and his wife have managed how the money is being used. I trust Bill Gates 100 times more that the money is used in the right way and for the right causes than I’d ever trust Bernie Sanders or Elizabeth Warren with the same money. Bill made the money, he knows its value, he understands how money works, and he has an intuitive knack for solving problems. Sanders and Warren do not have any of those skills, and neither do most bureaucrats in government.
When the self-appointed redistributors say they are going to take “a little away” from the rich, who decides who is rich and who is not? Where is the threshold? What’s to stop them from saying that if you make more than $80k in your family you are rich and you have to give your surplus to the poor? Who draws the lines?
I say we need to leave the capitalist system alone.
The workers at McDonald’s can ask about more wages all they want. If they are not contributing more for those more wages, they don’t “deserve” those wages.
If they are envious of the amount of money the CEO makes, why don’t they become the CEO? Problem solved. Oh, it’s hard? Ahh, there lies the rub.
If they want to be rich, why don’t they start a company, like a shoe company (Nike), or a software company (Google, Microsoft), or a rocket company (SpaceX), or a car company (Tesla) or an online retail company (Amazon), or a replacement of all taxis company (Uber), and they can be a billionaires. Hey, any of the people who built the companies I have listed here started from scratch.
Bill Gates was a college student who liked math.
Phil Knight was a jock who liked running and couldn’t find good shoes.
Sergey Brin and Larry Page were math students at Stanford.
Elon Musk came to Canada as a twenty-year-old with no money in his pocket. He shoveled out sewer tanks as one of this first jobs in America, before he started a car company and a rocket company in parallel.
Jeff Bezos started an online bookstore from scratch in 1994.
Read the biographies of these men and then come and tell me they don’t “deserve” to be rich!
The American system works. The tax system should be fair and even for all. But vilifying rich people because they were successful after defying all odds and worked their butts off all their lives does not work and will not get Sanders and Warren elected.
Now I have to get back to work. After all, it’s Sunday night and there is a lot yet to get done.
The traditional meal in Japan for Christmas is KFC – Kentucky Fried Chicken. And not just fried chicken, but the brand, KFC? How did that happen?
メリークリスマス
The above says me-rii-ku-ri-su-ma-su written in katakana, the Japanese alphabet used to spell foreign words.
me-rii-ku-ri-su-ma-su, when you say it out loud, means Merry Christmas.
Japan is a nation where only about 1% of the population is Christian. So Christmas, historically, was fairly meaningless. In the post-war years in Japan, everything western became fashionable, and the country imitated the west wherever it could.
The first Kentucky Fried Chicken store opened in Japan in 1970. Shortly after it opened, the manager, Takeshi Okawara, overheard a couple of foreigners in his store talk about how they missed having turkey for Christmas. KFC didn’t have turkey, but it had chicken. What’s the difference, right? So Okawara thought fried chicken would work just fine and began marketing his Party Barrel as a way to celebrate Christmas.
Within a few years, the Japanese corporate office for KFC started advertising クリスマス に わ ケンタキイ (Kentucky for Christmas) and a tradition was born. Japanese now think that everyone in the west eats KFC for Christmas. It is huge in Japan. One third of the annual sales of any KFC store is done during the Christmas season. 3.6 million Japanese families treat themselves to a KFC meal during the Christmas season. To get a Christmas dinner at KFC, you have to reserve it weeks in advance.
Okawara went on to become the CEO of KFC Japan in 1984 and ran the company through 2002.
So, as this example proves, if you want to get rich and famous, start a tradition based on a religion.
I wonder what the two customers who mentioned they missed turkey for Christmas in that store in 1970 would think if they knew what they started by that innocuous remark? What if they had been Jewish instead and asked for Gefilte Fish?
It’s time for an update.
The start of the Obama presidency has now slipped off the 10-year chart on the left. I have the blue arrow pointing off the chart down to 7949, which was the Dow when Obama took office. It was a low-point, as we all know.
Looking back through the Obama years, we had a steady rise of the Dow, with a flatting of the slope in 2015 and modest recovery at the end of 2016.
Trump was elected and took office, and the slope increased. The Dow grew faster for the next 12 months all the way through 2017. But it has sputtered through 2018 and 2019, with significant spikes and drops through those 18 months. The pro-business stance of the Trump administration, the lifting of regulations, has fueled the economy.
However, I would say that when readers say “we have been suffering” through the Obama years, I don’t think that’s accurate, at least not from the view point of the stock market and its growth. Unless Trump starts getting gains again with a steady upward trend, his overall performance from low to high may not be that of the Obama years. We’ll have to wait and see.
What concerns me is the debt.
We have new record deficits. I remember the “fiscally responsible party”, the GOP, making endless noise about Obama’s racking up of debt. Then it stopped. All of a sudden nobody worries about the debt ceiling anymore. The battles in the Republican-controlled Congress about the debt ceiling during the latter Obama years were epic. Now, we just raise the ceiling quietly.
Am I the only one concerned with that?
This tells me I need to create a deficit and debt chart next to put this into perspective. But that’s for another day.
Vons Supermarket: “Would you like to donate five dollars for people in need?”
Panda Express Chinese Diner: “Would you like to donate your change to Children’s Hospital?”
Carl’s Junior Fast Food Restaurant: “Would you like to donate a dollar to help veterans?”
My answer to each of them: “No.”
Not “No, Thank You.” Not “I have already donated.” Just “No.”
I have no problem with charity for people in need, for sick children, and for veterans. But I have a problem with retail organizations hustling money from their customers, who, in the majority of cases, cannot afford those donation and probably need help themselves. I have always said simply “No” not because I don’t have the money to give, but because I do not believe in the principles applied.
In the case of Vons, who are “people in need?” How do I know my five dollars go there? Who are they accountable to? Where do they determine who is in need, and how?
In each of those cases, they prey on the person in line being embarrassed about saying “No.” Others standing behind or next to them in line can hear the conversation. People will say “Yes” just to get past the embarrassing moment. The young man in front of me at Vons was with his girlfriend. They bought just a few things. He donated more money to “people in need” than his total purchase value, just because he didn’t want to look like a miser in front of his girlfriend.
Why does our healthcare system need to beg for money for the Children’s Hospital in restaurants? Can’t we have a system that pays adequately for healthcare for children?
And what about or veterans? I believe the government that sends our young men and women overseas to get maimed and emotionally crippled owes those people adequate and quality healthcare. We should not need to beg for money in fast food lines for our veterans. Our politicians talk about how fine our military is, and we honor our service men and women by thanking them when we see them at the airport. But when they come back with limbs missing or drug addicted, we discard them. And we can’t figure out how to pay for their healthcare. That is – to me – repulsive.
I resent that we resort to collecting money for their care from those that can least afford it – people eating in fast food places. Our president has spent over $100 million of taxpayer money on golf vacations in just two years, and we beg customers in Carl’s Junior for money for veterans!
First we institute a massive tax cut for the rich and corporations. This balloons the deficit. Our deficit is higher than it ever was in history. The Republicans, who are supposedly the fiscally conservative party that blasted Obama for his deficits, have been awkwardly quiet about this.
The “Trump Economy” as we call it is artificially pumped up by the massive debt we’re accumulating to pay for the tax cuts. Our grandchildren will be paying for this.
We’re borrowing money, largely from China, to make up for the deficit.
Now we’re placing tariffs on Chinese goods, which American consumers pay for in the end. Our farmers are hurt in the process.
Let me get this straight:
We are borrowing money from China to pay our farmers not to sell their crops to China.
Recently I had a layover at Washington, DC’s Ronald Reagan Airport (DCA). Remember, this is the airport of our nation’s capital city. When you land at DCA, try to sit in a window seat on the left side of the plane. Almost all the time, the landing approach is to the south, and you get a wonderful glimpse of the Mall, the Capitol building at the end, the Washington Monument in the front, and the White House to the left, all in plain view, seemingly close enough to reach out and touch. Capital glory at its best.
…until you get off the plane and enter the DCA airport terminal. Quite often, if you land in a small commuter plane, you don’t even get a jet bridge. You walk on rickety metal stairs and ramps, outside, then enter a bus, wait until the entire plane is empty and all the people are in the bus, all the while breathing fumes of jet engines and bus exhaust all around.
The terminals are dilapidated, musty and crowded. The facilities are in want. It feels like you are in a third world county airport. It does not seem like you are in our proud nation’s capital. It is embarrassing.
Take, for example, a modern Asian airport, like Singapore Changi Airport, which has received the title of “World’s Best Airport” for seven years in a row.
This is an example of an airport of a thriving country which does not spend trillions of dollars on overseas wars in all corners of the world. It’s a country that invests in its infrastructure.
Jimmy Carter recently took a call from Donald Trump to talk about China. Carter’s main point reportedly was that China hasn’t spent a single dollar on war in many years. It has built an infrastructure of roads, it has more than half of the entire world’s high-speed train tracks, it has some of the world’s greatest and most modern airports, and it loans the United States money.
We need to rebuild our country’s roads – all of them. We need to fix our crumbling bridges. We need to improve our airport infrastructure.
When I watched the video above about Changi, I could not help but think of the book King Rat by James Clavell. The prison camp the entire story plays in is located near the premises of the Changi airport. Read King Rat, a 4-star book (in my rating) and marvel about the difference 75 years can make, from the bed-bug infested prison camp to the Jewel at Changi airport.
Last Sunday our group took a bus tour to Chichicastenango, a market town in the highlands of Guatemala, about two hours from Antigua, over steep mountains.
Our guides took us there because it has one of the most famous markets. The market itself is in the courtyard of a two-story building. We went upstairs and looked down on it. Dozens of vendors were selling their vegetables. What you can’t see in this picture is the strong aroma of the amalgam of all types of vegetables, fresh out of the earth. I have never before smelled vegetables that strong.
To get to the market, we had to walk down crowded alleyways which were packed with vendors on both sides. The paths themselves were also patrolled by vendors, women and children mostly, trying to sell us trinkets of all manner. It was frighteningly crowded. Sure enough, within just minutes one man in our group had his wallet and smartphone stolen. Somebody had bumped into him from the front, while presumably someone else picked the pocket in the right leg of his cargo shorts.
I walked with my wallet in my hand and my hand in my pocket, and my other hand on my phone all the way. I got through unscathed.
As we walked, women and children constantly solicited us to buy their wares. One boy, I estimate him about 12 years old, was Jeremy.
Here you can see Trisha surrounded by vendors. Jeremy is the boy on the right. The vendors latched on to us and followed us. Jeremy would simply not leave. He was very polite, spoke surprisingly good English, gave his name, told us about his family. We bought a blanket from his mother. He would just follow us and keep us engaged for at least 20 minutes all they way back to the gate of the town’s best hotel, which was our meeting place. Vendors cannot enter the hotel. Armed guards keep them out. It was almost like a sanctuary that kept the locals out.
And there stood Jeremy, as we walked away from him and the other children and women, looking at us with his smiling eyes and wishing us a good day. I turned around and bought a bamboo drum for 50 Quetzales, as a mercy purchase. Jeremy had obviously learned that as long as he simply persisted, he would eventually make the sale. I didn’t ask him how long he had been working the market, but there were little boys and girls who looked no older than six or seven who were out there hustling and hawking their trinkets.
The poverty in Guatemala is striking. People everywhere are working hard, trying to make a living somehow, and it just seems that the system is holding them down.
The average wage in Guatemala is about eight Quetzales an hour, that’s about $1.25 or perhaps one Euro.
I wonder what they are thinking when they serve tourists like us in luxury hotels. A beer costs 24 Quetzales in any bar or restaurant, or about 3 to 4 hours of work for the average person. A meal for two will easily run 500 or more Quetzales. That would be almost two weeks of work. A night in a good hotel will be 800 to 1500 Quetzales. That’s one month of wages.
What do these people who serve us think about us? In a single week in their country, between meals, hotels, fares, entry fees for various events and places, each of us might spend two years’ worth of wages of an average person.
Is it any wonder that boys like Jeremy, once they are 16 years old and independent, get on a bus and head “al norte” to make a better living for themselves?
I cannot blame them. These people are made of passion and diligence and an indomitable spirit. It’s as if they came straight from Mother Earth.
Politicians do not create jobs. The economy and industry creates jobs. Yes, I create jobs. I created jobs while Obama was president, and I created jobs while Trump was president.
Trump or Obama had nothing to do with my job creation endeavors. And I can say with certainty that I see no difference between the climate for job creation by Obama vs. Trump. It’s been good in the last 10 years. Trump gets no credit from me. The graphs of Obama’s presidency just continued.
Many foreigners can’t figure out the tipping system in America. I actually like it. Every time I go to another country where tipping is not customary like it is here, I remember why I like it. It just makes customer service better. Going to a restaurant in the United States is by far a different experience from going to a restaurant in a European country, where the waiters are paid “a living wage” to use a Bernie Sanders phrase. The waiters, all too often, simply don’t care, and the service is sloppy and slow. Often the staff is unfriendly and sometimes even condescending.
When a significant portion of your income depends on how the customer feels taken care of, the quality of service goes up.
I believe in tipping, and I usually tip well, but only where the tip has an effect on the service I am getting. I do not believe I should be tipping when there is no direct relationship between the service and the tip.
For instance, I believe in tipping in the following service relationships:
Waiters in restaurants – they cater to me, both in making me feel comfortable, providing good advice on the menu, bringing me the food and acting like they want me there. My tip will reward them in proportion to the service. It’s a true interaction.
Staff at events – recently we went on a hot-air balloon ride. It takes a whole crew to get a balloon launched and landed safely. The staff works hard and they make the guests feel safe, comfortable, and enhance the experience.
Shuttle drivers – from hotels, rental car companies, parking garages to airport terminals, etc. The drivers work hard, they carry my luggage, they drop me off and pick me up when I need them.
Doormen – people who hail cars, check your luggage, coats, open your doors, help you in and out of cars.
Food delivery people – the pizza man, or anyone bringing food to my house.
Installers at my house – Recently we had a fan installed at my house. The installer worked had, cleaned up after himself, and I know he was just a laborer, working for a company. I gave him a generous tip.
I don’t tip in the following service relationships:
Hotel housekeeping staff – this is controversial. Many people leave tips on the pillow for housekeepers. I do not, except when I am at a resort for multiple days or a week, and it’s the same housekeeper that cleans up for me day after day. When I spend one or two nights at a hotel, I never see the housekeeper, and I do not create a service relationship. The service is provided in advance according to expectations set. Whether I leave a tip at the end or not does not affect the service. It makes no sense to me.
Owners or managers – If I am getting a service from a business owner, say a caterer, and the caterer is the boss, and I am already paying for that service, I do not think I should be expected to tip them.
Tip jars at the coffee shop – The servers behind the counter work hard, yes, but what they do is pour a cup of overpriced coffee into a paper cup, put on a lid, and take my money. I don’t believe after paying two dollars for a cup of coffee I should put money into a jar on the counter. These people are doing the minimum necessary to give me my product. I don’t think a tip is appropriate. I ignore the jar.
Tip jars anywhere – If someone just sells me something, there is no reason for a tip.
Cab drivers – even though I do sometimes tip when I have to give cash to a cab driver, I never like it. They are driving me, for goodness sake. What’s so special. Now I don’t use cabs anymore, I use Uber, and yes, I usually don’t tip Uber drivers.
I am curious if my readers have input into this subject.
The Anatomy of an Impulse Purchase – Captainswagger
Posted in Bad Product, Commentaries, Economy, tagged Buying on Facebook, Captainswagger Fraud, Impulse Buying on February 16, 2020| Leave a Comment »
We have all been the victims of impulse purchases. Sometimes it was at the checkout stand in the grocery store where we bought a nifty flashlight on a keychain. Or it was at Costco at the entry doors, and we now have a full and shiny new set of BBQ tools complete in a plastic case, even though we already have a totally adequate set at home that we use perhaps once a year.
Along comes Facebook where impulse buying it raised to an entirely new and much higher level.
On November 15, 2019, I saw a “survival tool product” on Facebook. The link went to www.captainswagger.com. I thought it would be a neat Christmas gift for my outdoor enthusiastic son, so I ordered it. I spent $69.00. I received an immediate email that my product was shipped and expected to get the product in the mail within a few days.
Weeks went by and nothing arrived. I contacted the company and got no response. After about a month, I gave up. I contacted PayPal and put in a claim for fraud. Over the next four weeks, the company sent emails to me and PayPal claiming first that the product was shipped with FedEx, but didn’t provide a tracking number. When that failed, a couple of weeks later, it provided a FedEx tracking number. When I checked on the status using that number, I learned that was bogus number that was never shipped and probably used for all claims. On the day the PayPal grace period expired in the middle of January 2020, I received a box via the United States Postal Service (note – not FedEx) with the product. It took them two months to get it to me, and during that time they send several emails with fraudulent claims of shipment that were obviously bogus.
Here are some reviews which echo my experience with Captainswagger.com. I am not the only customer who went through this. Captainswagger is definitely a fraud. I am not sure if I would have ever received the product had I not put in a formal claim with PayPal.
So now I have this “product” that I paid $69 for that never became a Christmas present.
Captainswagger Multifunctional Shovel – banana for scale
It came in a partially crushed box, and it’s not even close to the product being shown in the video above. Many of the pieces are not there, the versatility is not the same, the size seems different, and the carrying case is not included. Instead, it has these thin plastic camouflaged covers. To top it off, the version I bought was the upgraded one for $69.00, not the one for $39.95 on the website.
The real product is much smaller and way chintzier than it looks in the video, and I have absolutely no use for it. In 50 years of hiking and driving I have never come into a situation where I needed this tool, and I certainly won’t be putting it into my backpack when I go on hikes. I suspect my son would not have done so either. So why did I buy something from a company I knew nothing about, which turned out to be borderline fraudulent? Why did I buy “stuff” that is now in my house that I will never use?
It was easy, and it seemed like a neat thing I wanted. It reminds me of the exercise program I bought many years ago for $300 with a pull bar and a bunch of video disks. I had the good sense to send it back unopened when it arrived and I got my money back. That was before PayPal and Facebook.
With this “tool” I stand no chance. It was pulling teeth to get it in the first place. There is no way to get my money back without spending a lot more time and money without a guarantee of success.
Lessons learned:
And with that advice I swagger away.
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