Mike Gerdov - 2022-10-09 17:22:52:

Well, in many ways actually;
$300 bucks you pay now, will be much less buying power in 5 years, so
it will be 'less value' for them to return.
They will invest that $300 now into stocks or something and in 5 years
there will get profit on it.
They basically secured another sale of something to you in the future which
is more business for the store, so also profit.
I usually never buy insurance unless I have to, but a year ago I did buy
one for the headphones i bought in walmart, just because they promised no
hustle return option if i buy that. Actually when I wanted to return those
a few months later, Walmart had policies changed due to Covid, and
headphones were not accepted for return for hygienic reasons anymore.
Lesson of the story - never buy insurance!
M.
--
Best regards,
Mikhail Gerdov [email protected]

Alain Haché - 2022-10-10 15:24:23:

These are all possibilities indeed. Interest rates, inflation, small print return conditions, in-store credit that involves bigger purchases, and the fact that many (most?) people will forget about their credit 5 years later!
________________________________
De : Pierre-Paul Lavoie <[email protected]>
Envoyé : 9 octobre 2022 15:31
À : [email protected] <[email protected]>
Cc : Alain Haché <[email protected]>; HFG <[email protected]>; Stephan G. Reebs <[email protected]>; [email protected] <[email protected]>; [email protected] <[email protected]>; [email protected] <[email protected]>; [email protected] <[email protected]>
Objet : Re: HFG Mailer
Attention: courriel externe
I think its just like gift cards. Most people won’t even claim it that many years down the road.
Well, in many ways actually;
$300 bucks you pay now, will be much less buying power in 5 years, so it will be 'less value' for them to return.
They will invest that $300 now into stocks or something and in 5 years there will get profit on it.
They basically secured another sale of something to you in the future which is more business for the store, so also profit.
I usually never buy insurance unless I have to, but a year ago I did buy one for the headphones i bought in walmart, just because they promised no hustle return option if i buy that. Actually when I wanted to return those a few months later, Walmart had policies changed due to Covid, and headphones were not accepted for return for hygienic reasons anymore. Lesson of the story - never buy insurance!
M.
A fun puzzle (based on a true story)
I just bought a new fridge at Leon's.
They offered me a 5-year extended warranty for 300$ with -- and this is pure genius -- the promise that if the warranty was not used after 5 years, I would receive a store credit of the same amount. So the customer NEVER loses. Any repair would likely cost more than 300$, and if everything goes fine, I get my value back anyways.
I politely declined out of principle (I never pay for a risk I can afford myself) and because I know they still make money out of this.
But how? This is my question to you.
A
________________________________
De : HFG <[email protected]<[email protected]>>;
Envoyé : 5 octobre 2022 22:41
À : [email protected]<[email protected]>; <[email protected]<[email protected]>;>; [email protected]<[email protected]>; <[email protected]<[email protected]>;>; [email protected]<[email protected]>; <[email protected]<[email protected]>;>; [email protected]<[email protected]>; <[email protected]<[email protected]>>;; Alain Haché <[email protected]<[email protected]>>;; Stephan G. Reebs <[email protected]<[email protected]>>;; [email protected]<[email protected]>; <[email protected]<[email protected]>;>; [email protected]<[email protected]>; <[email protected]<[email protected]>;>
Objet : HFG Mailer
Attention: courriel externe
[meeple]
Kevin Caron updated event Wednesday, 5th of October, 2022<http://hfgclub.ca/events?event_id=431#post_comment>;:
KP - pascal and Kevin go face to face at two-player games. Stephan is incapacitated, Alain is drowning in exams, Mike is overwhelmed, Ian saves G2E! We play a game of Taco Cat Goat Cheese Pizza for shits and giggles, but abandon it after we realized it’s REALLY aimed at kids.
Game played
Winners
Notes
Schotten Totten Pascal Werlberger Pascal dominates Kevin and wins two rounds of this game.
Fox In The Forest Pascal Werlberger Great 2-player game that mixes the concepts from Love Letter and Screw Your Neighbor – both favorites of HFG. Pascal pulls a victory of 22 points against Kevin’s 18.
Imhotep Duel Kevin Caron Imhotep, made for two! Boats are unloaded, tensions are high, meeples work hard. Ke vin wins with 49 over pascal’s 42.
L'information contenue dans ce courriel (y compris les pièces jointes) est confidentielle et vise uniquement son destinataire ou ses destinataires. Toute autre distribution, copie ou divulgation est interdite. Si vous avez reçu ce courriel par erreur, veuillez nous en aviser et éliminer ce courriel, ainsi que les pièces jointes, de votre système informatique et de vos dossiers.
--
Best regards,
Mikhail Gerdov [email protected]<[email protected]>;
L'information contenue dans ce courriel (y compris les pièces jointes) est confidentielle et vise uniquement son destinataire ou ses destinataires. Toute autre distribution, copie ou divulgation est interdite. Si vous avez reçu ce courriel par erreur, veuillez nous en aviser et éliminer ce courriel, ainsi que les pièces jointes, de votre système informatique et de vos dossiers.