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To: Earlie who wrote (198506)	10/18/2002 10:45:27 AM
From: William JH	Read Replies (1) \| Respond to of 436258

I was in a J.C. Penny store yesterday in So California and everything in the store was on sale at 30% off, except for some items that were 40% off. I don't shop much, but that seemed to indicate that sales aren't doing well. BWDIK?

To: Earlie who wrote (198506)	10/18/2002 11:38:35 AM
From: lifeisgood	Read Replies (3) \| Respond to of 436258

Earlie, The consumer (or more properly, his waning ability to borrow) is on his (its) last legs... be careful. I just received an offer for a 50K cash advance, O% APR till 10/03. They're even willing to waive the normal cash advance fee. I'm going to take them up on the offer and park it in a money market fund (hey, free money is free money). It's likely though that my fellow American consumers will not have the will power to inhibit their spending or investing (in the new bull <g>) this free credit. best... LIG

To: Earlie who wrote (198506)	10/18/2002 1:10:34 PM
From: Joan Osland Graffius	Read Replies (2) \| Respond to of 436258

Earlie, I took my car to the doctor yesterday for normal maintenance. They are offering zero interest for 5 years on new cars. I talked to one of the salesmen and asked him to give me a price on a low mileage used car where they had a new one in stock. He had a unit with 24,000 miles that had been used by one of the managers. The used car was 37% discounted to the new one. He said I could get zero interest financing for 3 years for the used car. These guys are hungry. I did not try and deal as I was just looking at what was economically going on at the dealer. I bet these folks that bought into the zero financing for 3 years last summer are not very happy. The auto industry is teaching the public to wait and things will get cheaper - sounds like Japan to me. Joan

To: Earlie who wrote (198506)	10/18/2002 2:20:44 PM
From: Andy Thomas	Read Replies (2) \| Respond to of 436258

so i get this phone call the other day from some credit card company... my credit is already whacked but i've kept getting offers in my homtail inbox... so prior to the other day i was signing up for a $5,000 unsecured card on the web and then it got to the part where they were going to take $150 or so out of my bank account in order to 'activate' the card... i closed the browser window... so i get this call from these same people the other day and they want to give me a $7500 card with no activation fee... i'm all thinking... 'oh that greenie is brilliant... he's really going to inflate this baby big time.... they're giving the likes of me another $7500!...' (as well they should!... and $7500 should be just the beginning) ... well it turns out that the card is only for an online store that the credit card company has set up and... get this... after they assured me that there were no fees if the card went unused... then they started in on the thing where, 'if you want to buy something from our website with your card (the website being the only place the card is good at) then you just send us a check for about 25% of the cost of an item, then your card will take care of the rest...'.... so i'm sitting their reeling... finally i told them 'thanks but no thanks'... now myself i'm a bubble visionary... they should stoke those credit fires... send me the phreaking money!!... that's what i'm talkin'.... as it is, i'm doomed already... credit maxxed out in an all-credit economy...