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Ross owns more than 1,500 stores in 37 states under the banners "Ross Dress For Less" and "dd's DISCOUNTS," and it's opening more than 80 stores annually at a time when department stores are losing sales and shutting down hundreds of stores. "Their customers are of an older demographic who have been loyal for years and will not be easily taken over by Amazon," said Eric Ervin, CEO of Reality Shares, an ETF issuer and research firm whose funds own holdings in Ross Stores.
Retail competition is at the forefront of Wall Street yet again as retailers release their earnings reports, and Jim Cramer is seeing a divide form around the industry's most powerful disruptor. "When the book is closed on retail this quarter, we're going to have two different narratives: there are the companies that Amazon (AMZN) can crush and the companies that Amazon should admire or perhaps even fear," the " Mad Money " host said. As of Thursday, one company stood out to Cramer as the competitor Amazon should worry most about: Wal-Mart (WMT).
When I retired, I had two years of expenses in an emergency fund (it is still there), zero credit-card debt and have lived very frugally on my small pension and Social Security Insurance since then. My FICO score is 780 and the notes on the credit-card report said high limits on multiple cards is a negative. This is not the time to worry about your credit score.