All posts by mindfieldonline

Sweet Seasonal Savings!

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They’ve always said that certain bargains happen at certain times of the year, and knowing when to buy can save you money. Take me for instance. Just bought a TV, either 5 months late, or 7 months early! Anyway, here are some tips from around the web, starting with August.

August: Swimsuits, up to half off (the prices, that is.)  Anything related to back-to-school, like book bags, computers, crappy dorm furniture, etc. And lawnmowers, which won’t be missed – amirite fellas?

January: Linens and Holiday leftovers. White sales are everywhere, so stock up on the sheets and towels. Also, Christmas gear. Here’s one I have learned: if you collect those dated Christmas tree ornaments, but don’t absolutely have to have a 2012 on the tree IN 2012, then wait until January and save 50%!

February: Furniture. Stores are clearing out for new spring models. Save 30-60%

March: TVs. The big Consumer Electronics show is in January. Buyers place their orders, and they land in stores in March. So the shabby old 1080p flatscreens have to go to make room for the shiny new 1080p flatscreens! Save 15%

March: Springtime shoes. They hit the shelves in January, now they got ta GO. Save 20-30%

April: Raincoats. Stores have to meet the demand for April Showers, then clear the shelves for May Flowers. Save 25%

April/May: Thrift Store finds. After Spring cleaning! Furniture, housewares, clothes, kids stuff, the whole bit.

May: Athletic Apparel and Shoes. I guess it’s finally warm enough to go outside and exercise. Save 30-60%

June/July: Wedding season – June for planners, July for stragglers! So, wedding gifts like dishes and home décor are 20-50% off. Also, it’s Fathers Day, so useful things (tools, gadgets) and useless things (tools, gadgets) are on sale.

September: Plants. The typical season change clearing of the shelves. Save 30-50%. I hear that the independent places have better discounts than the big box stores.

October: Blue Jeans. The back-to-school market has dried up, and what’s left has to go! Save 30-60%

November: Pajamas, etc.  Lord knows I give SOMEBODY on my Christmas list some pajamas. Last year, I think I gave out 4 sets. A new record!

December: Coats & Jackets. Stores don’t have the room to store these bulky items until next fall. Save 15-40%

That’s the scoop. So, watch your calendars, then get out there and save in a timely fashion. And have a great weekend!!

(photo: galliawatch.blogspot.fr)

Now Hiring?

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Has the downturn got you thinking about a career change? It does me, for REALZ. But which direction should you go? Where is the growth? Where is the need? And where is the satisfaction? USNews.com has some ideas…

Each year, U.S. News compiles a list of the Best Careers based on the Labor Department’s employment projections. And this year, we continue to base our picks for the Best Jobs of 2012 on professions that should hire abundantly over the next several years. To better help you make a smart career choice, we’ve also started ranking our selections. USNews.com

The short answer? Healthcare and computers. Here is their list for 2012…

10. Occupational Therapist : $48k-$102k. Over 36,000 needed in the next decade.

9. Computer Programmer: $40k-$114k. High job satisfaction, competitive salary, good prospects.

8. Physical Therapist: $53k-$107k. Field will grow by 40% over the next decade. You need a Master’s, though.

7. Computer Systems Analyst: $48k-$119k.

6. Web Developer: $43k-$119k. Over 65,000 positions are anticipated in the next 10 years.

5. Database Administrator: $41k-$115k. They used to call it “filing.” A critical position throughout business, but one that requires a lot of certifications.

4. Medical Assistant: $20k-$40k. No specific training is required, but the more you have, the better.

3. Pharmacist: $82k-$138k. LOTS of education required, but it pays off. The pharmacist at my CVS drives a SWEET Benz convertible. I’m just sayin’.

2. Software Developer: $54k-$87k. Like many of these tech jobs, you have to be constantly keeping up with evolving technology.

1. Registered Nurse: $44k-$95k. Over 700,000 positions will need filling in the coming decade.

So, are you or someone you know in any of these fields? Do you agree that these are Top 10 material? Let us know!

(photo: allthingsd.com)

Will You Miss Them When They’re Gone?

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These brands, that is. Face it, even in the best of times, things change, and brands die. And these are hardly the best of times. So analysts are looking into their crystal balls to see who is on their way out.

Each year, 24/7 Wall St. identifies 10 important American brands that we predict will disappear within a year. This year’s list reflects the brutally competitive nature of certain industries and the reason why companies cannot afford to fall behind in efficiency, innovation or financing.  24/7 Wall St.com

Companies get hurt by bad management, big losses, a shrinking market…the list goes on and on. So who is on deathwatch for 2012?

  • Research In Motion: the BlackBerry guys. No shocker.
  • Pacific Sunwear: ran out of dough
  • Avon: fierce competition, bad management
  • MetroPCS: Wireless carrier I have never heard of!
  • Oakland Raiders: will be around, but probably NOT around Oakland!
  • Salon.com: one of those websites everybody talks about but few visit.
  • Suzuki: getting pushed out of small, cheap car market by Hyundai
  • Current TV: see Salon.com
  • Talbot’s: hurt by recession, competition from Ann Taylor and Limited
  • American Airlines: rash of mergers in the airline biz, and AA got left behind.

There are several on this list you probably don’t care about. But please don’t tell my wife about Talbot’s! And I’m not sure if it’s still America without Avon!

What do you think? Will you miss any of these brands? Let us know. And have a great weekend!

(photo: flickriver.com)

Survey: Olympic Athletes are Smart with Money

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When it comes to money matters, the stereotypical image of the Dumb Jock does not apply to today’s Olympic athletes.

…Olympians aren’t just fitter than the rest of us—they’re more financially savvy, too. That’s according to official Team USA sponsor TD Ameritrade, which surveyed 254 Olympic athletes. Most of them said that they thought their athletic training contributed to their financial discipline.  USNews.com

For example, suppose they win big at the Games, and get a sweeet Nike or Kellogg’s deal or something. How would they handle their money?

  • 40% save or invest
  • 33% pay down debt
  • 20% charity or share with friends or family
  • 03% would blow it all on hats

An interesting angle, as seen in the quote above, is the Discipline. We have all said, “If I ever come into money, I am going to start making better decisions!” But these jocks are already making good choices. 70% are “consciously saving for the future,” and over half make regular automated deposits to a savings account.

So, I guess the question is, “Where can I get ME some of that discipline!?”  What do you think? Let us know! And enjoy the Games!

Redbox Gives Netflix the Blues

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So, what service (or services) are you using for your media rentals? Still going to the video store? Downloading or streaming? Using the DVD kiosk outside the 7-11?

Well, your choices keep multiplying! DVD purveyor Redbox is on a roll since they made the deal to buy up all of rival Blockbuster’s kiosks. The latest development? They are breaking out of the physical DVD realm and getting into streaming, courtesy of a new partnership with Verizon.

The service called “RedBox Instant by Verizon” will offer more or less the same features as Netflix will, without the home delivery option.  Consumer Affairs

Which is MORE bad news for Netflix.

Netflix is in perhaps in that fabled location between a rock and a hard place. It is losing about 1 million DVD customers per quarter while its slow-growing online customers are consuming more and more streaming video. DVD rentals are about five times more profitable than streaming video. Consumer Affairs

I guess the question is, are your rental habits changing? Me, I finally got an HD TV. I am getting about 10 channels of local HD content, and thinking of signing up for a couple of rental services like this. And, once and for all…DITCHING CABLE! What do you think?

Putting Teeth into Consumer Protection

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Have you heard of the Consumer Financial Protection Bureau? The CFPB is just getting off the ground and, last week, made a bit of news with its big judgment against Capital One when…

…it ordered Capital One to return $140 million to $150 million to customers over “misleading and deceptive” marketing of credit card add-ons such as credit monitoring and payment protection services.  Fox Business News

Now, I will admit, I think of myself as a “small government” guy. You tell me that they have just established a whole new Federal agency, and I get suspicious. In general, though, the CFPB is getting some good press – even from FOX News, if you can believe it.

Here’s a list of CFPB’s early achievements, according to one consumer guru:

  • Regulating consumer credit bureaus such as Experian to ensure they keep accurate records and correct errors in a timely manner.
  • Expanding consumer protection rules to cover remittance transfers, which millions of Americans use to send money to relatives overseas.
  • Setting up a streamlined consumer complaints process accessible online or over the phone and putting those complaints into a searchable public database.
  • Creating a user-friendly and attractive website focused on serving consumers rather than the institutions that the CFPB regulates.
So, what do you think? Read the article, and let us know. Is the CFPB a good thing, or more government meddling…or both? 

The MindField Nickel Tour, Revisited

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The internet is a living, breathing, sweating beast…and things change. We did a tour of the MindField Online website last year, and we now present an update. Enjoy!

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Over at the MindField Online Facebook page, we commonly hear, “I’m new—how does this whole thing work?”  That’s a pretty broad question, so we usually answer, “There’s plenty of info to be found at our website, www.mindfieldonline.com -check it out!”

But exactly what you will find has been a mystery, wrapped in a riddle, wrapped in an internet – until now!  So, keep your hands and feet inside the tram as we take an informative, exciting (but mostly informative) tour of the MindField Online Internet Panels website!

Member Home

A really useful portal that gives you a quick look at announcements, surveys available (“Live Now!”), membership details, payout options, referrals, member profile survey status, payout balance progress… and more!

Account Settings

Here is where you can update or change your user preferences, email or street address and your password.

History

This is a detailed list of your survey activity, with a link to your payout activity, as well.

Policies

How do you register? Who is eligible? What are the rules? Here is where you find out!

FAQ

Check out the answers to some frequently asked questions HERE. Then, take a moment to realize “So THAT’S what FAQ stands for!”

IQD

Other than farm fresh ingredients, what steps does MindField Online Internet Panels take to ensure the quality of our data? Find out HERE.

About

Because corporate histories are so darn exciting, click HERE to learn more about MindField Online and parent company McMillion Research.

News

Much of the news you will have seen on our Facebook page, but you will get more detail here.

Winners

MindField Online has regular cash drawings and sweepstakes. Here is where you can see the winners.

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And that brings us back to the lobby. We hope you have enjoyed your tour of the MindField Online Internet Panels website! Thanks for your attention. Please exit through the giftshop…

A Sam-tastic Opportunity for MindField Members!

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Check out the the Sam’s Partnership Panel!

As Benjamin Franklin once said, “Bro! Why buy a can of Axe Body Spray when you can buy a whole case, Bro?” Buying in bulk can be a great deal, especially if you have a large crew. And Sam’s Club is one of the premier names in the biz. So it’s big news when a giant like that teams up with MindField Online. Check it out!

MindField Online + Sam’s Club = Another HUGE Opportunity!!!

MindField Online has entered into a corporate partnership with Sam’s Club and will manage the Sam’s Partnership Panel. This means more surveys will be available for our members and you can receive additional incentive earning opportunities by taking part.

To take part in this tremendous opportunity for MindField Online and all of our members, please complete this profile survey ASAP. This survey will help us to understand your use of Sam’s Club’s services and the items you tend to purchase from them.

You will receive $1.00 for completing along with an entry into the drawing for cash prizes totaling $1,000.00. All incentives and winnings will be posted to your account within 10-14 days of the study completion.

Then you will see a Click to Join link. The Partnership Panel is open for Sam’s Club members. So, if you aren’t a Sam’s member, but someone else in the household is, then that person can participate and get the incentive. So go to your Member Home page and give it a shot!

Retailers Battle Against “Showrooming”

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It’s called Showrooming, and it’s becoming an issue. You go into the big box store, looking to buy a Blu-Ray player. You look at the models while the kid in the blue shirt explains the pros and cons of each. So far, so good. Then, you whip out your smartphone and snap a few pics, zap a QR code or two, and do a little online comparison shopping. Ultimately, armed with all of this consumer knowledge, you leave the store, go home, and make your purchase online. So, from Best Buy’s point of view, they are doing all the work while Amazon gets the sale.

So brick-and-mortar stores are getting creative.

Now some big retailers are taking a new approach to the dreaded showrooming by transforming their stores into extensions of their own online operations. Wal-Mart, Macy’s, Best Buy, Sears, the Container Store and other retailers are stepping up efforts to add Web return centers, pickup locations, free shipping outlets, payment booths and even drive-thru customer service centers for online sales to their brick-and-mortar buildings. Memphis Commercial Appeal

Additionally, Wal-Mart is letting people order online, pick up at the store, and pay in cash – which is a surprising chunk of business for them. Meanwhile Sears is introducing drive-thru pickup – and even drive thru returns (if you have ever stood in line at the Service Desk, you know that sounds AWESOME!)

So, what do you think? Are you a Showroomer? (It’s OK – we’re all friends here!) Have you seen any of these new developments at you favorite brick-and-mortar store? Let us know…read the original article…and have a great weekend!

(photo: blog.amaze.com)

Credit Crunch?

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…or not?

I was preparing a blog post about how Americans were getting their act together on credit cards. Specifically, that our rate of late payments was the lowest in 5 years, suggesting that we were getting our financial houses in order, paying down debt, getting on the right track, etc, But, just now, I see that…

Consumer credit climbed more than forecast in May, led by the biggest jump in credit-card debt in almost five years that may signal Americans are struggling to make ends meet.  Bloomberg.com

The continuing soft job market seems to be the culprit, putting a damper on consumer confidence. But, there are things we must have and, it appears, we are now putting them on the ol’ plastic. The sad thing is, whether this is healthy or not, business and government don’t seem to care—as long as you are spending!

As for me, I had my share of youthful credit mistakes. I cleaned it up, paid it off and I haven’t looked back. But these are tough times. How are you handling it? More credit purchases? Less? Charging but paying it off quickly? Let us know!

(photo: flickr.com)