Gift Cards, Apparel: Fill & Download for Free

I called up my dad on the day and sheepishly wished him “Happy Father’s Day” just before ending the call.He laughed and said, “You do realize that these ‘days’ - Mothers, Fathers, Valentines etc, are all corporate gimmicks, right? You shouldn’t need a designated day during the year to tell your old folks that you love them.”And right he is.All these expectations of expressing love by buying gifts is nothing but a sales booster for greeting cards, apparel, jewelry stores, and florists.The NRF (National Retail Foundation) estimated Father’s Day sales in 2015 to be around $12.7 bn (which still dwarfs in comparison to Mother’s Day, at more than $20 bn)Father’s Day may not be the most lucrative consumer holiday of the year for retailers, but spending for dad is expected to reach $12.7 billion for golf lessons, home improvement tools, coffee mugs and more. And, according toNRF’s 2015 Father’s Day Spending Surveyconducted by Prosper Insights & Analytics, the average person will spend $115.57 on gifts, nearly even with last year’s $113.80. The survey found 75.4 percent of Americans said they plan to celebrate Father’s Day.Also, I do not understand this trend of posting updates on FB regarding people who aren’t even on the said platform. If your mom doesn’t use Facebook, what’s the use in posting an old picture of the two of you, alongwith a heartfelt proclamation of how much she means to you? Wouldn’t it be better to tell that to her in person?So, don’t feel bad if you didn’t buy your old man a greeting card or updated your status as a proxy for your love for him. Instead call him up and tell him how fortunate you are to have him in your life.

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I will go with financial services.Groceries are extremely low margin. Making these even worse are high rates of theft and spoilage. Walmart uses this to draw traffic into other parts of the store.Apparel is better but not great. Clothing does not spoil and theft is lower. Walmart however has to mark down out of date styles and end of season clothing.Financial services, however are a gold mine. Walmart is emerging as the banker to low income Americans. It offers money orders and charge cards. It cashes checks. The only cost for check cashing is for bad checks — and this is not a problem for government checks. Third party Gift cards are pure profit and are an increasingly popular gift option. Walmart reloadable cash cards are basically a zero interest loan to Walmart which Walmart can invest until the gift cards are redeemed for merchandise. Wlamart is often making extra bank renting surplus space to banks like Woodforest. Woodforest National BankThanks for the A2A.