Tag Archives: consumer panels

Express Lane to Frustration!

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Seriously, don't get your hopes up.
Seriously, don’t get your hopes up.

There’s a study at LifeHacker.com that says using the 10-items-or-less express lane really doesn’t save you any time. I can tell you that, at (my) Walmart, I have found this to be true. Their express limit is 20 items. I once rolled up with 24 items, all apologetic and whatnot. The girl told me that they are not allowed to refuse anyone, even if you rolled up with two carts full like some X-TREEM Coupon weirdo. If you can deal with the hateful stares, loud sighs and epic eye-rolls of the shoppers behind you, then go for it!

The time-sucking culprits are called Line Stoppers…people who bring weird, special circumstances with them. You get them all at Wally’s…the guy trying to cash a payroll check. The college kid using three different gift cards, but only taking certain amounts from each. The woman with 30 items making three separate transactions for herself, mom and grandma.

They left out my favorite, though: Extremely Old Dude! This happened to me a couple of days ago at a Publix Market. I get in the express lane behind an E.O.D. He kept mumbling things that sounded like questions, forcing the cashier to stop and ask him to repeat himself. He did and, though she now understood the English words coming out of his mouth, she was stumped. Call a manager? Call a manager. Time to pay, so he writes a check. That is, once she was finished ringing him up and gave the total, only then did he pull out his checkbook and begin to write. “P…U…B…L…I…X…” Then he wanted $50 cash back. She gave him two 20’s and a ten. No, he really wanted all fives. Transaction finished… but time for one more joke. In all, not an “Express” experience!

Anyway, read the article and tell us, do you think you save time in the express lane?

Financial Resolutions for the New Year

Referring to your finances, not your weight.
Referring to your finances, not your weight.

If there’s one thing you can say about New Year’s resolutions, it’s that they show that we never give up hope in self-improvement, despite repeated failures.

That’s true whether we vow to Lose Weight, Learn Something New, Stay in Touch with Loved Ones… or Get Our Finances in Order.

A record number of consumers (46%) are considering making financial resolutions, a number that has increased 31% since the tracking study started in 2009. The top three New Year financial resolutions are to 1) save more (52%); 2) spend less (19%); and 3) pay off debt (19%).  CBS Moneywatch

This time of year, you can’t swing a cartoon money bag with a dollar symbol on it without hitting an article like this one, giving advice on Financial Resolutions and how to fulfill them. We will give you some links below. The takeaway from the CBS piece, though, is pretty strong: just saying that you wish to save more, spend less and pay off debt won’t git-r-done.

You have to set goals, write them down and revisit them throughout the year. Sound like a drag? It IS. But they’re your goals, smart guy! Like anything else, if you don’t set a benchmark to measure your progress against, you won’t know if the plan is working or not.

Here are some links:

Anyway, success or failure, we will keep trying. Here’s hoping it sticks this time! Now, let us resolve to have a great weekend!

Last Minute Gift Ideas!

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12.21.09 iStock_000007466237XSmall

Consumer Reports says that 17 million of us will be shopping for Christmas Eve. Ahhh, smell the desperation!! If you are one of those unfortunates, MindField Online thought you might like a few last-minute gift ideas. So, check out these links, and you’re welcome.

Last-minute gifts galore!

Last-minute gifts under $20!

Gifts for your favorite Techie!

More Techie ideas!

Gifts for the College kid in your life!

Give the gift of booze!

Artsy-fartsy gifts!

Gifts for your little Science nerd or nerdette!

Gifts for your favorite Foodie!

More Foodie gifts!

Cold-weather climate gifts!

Gifts for your favorite outdoorsman!

Gifts for the Apple iJunkie in your iLife!

And the best of all…not gift ideas, but “how to last-minute shop” and keep your sanity!

We wish you well in your pursuit, however frustrating it may be. Hopefully, when you are last-minute shopping and you feel the urge to blow up, freak out and be That Girl or That Guy, the person in front of you will blow up first, and you can see how…unattractive that is!

Merry Christmas, friends.

The Re-gift of the Magi

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regift

First of all, I don’t hate the practice of regifting as much as the idea that they had to make up a word for it. (English major rant!) But it looks like regifting is here to stay.

You get a gift, and it’s not to your liking because the giver is clueless or you’re a stupid selfish baby (see previous post.) What do you do? If you don’t want to stand in line at the WalMart service desk (because you have a life) you just might hold on to that bamboo steamer or necktie organizer and pass it along to the next victim a loved one next year.

And, the survey says you aren’t alone.

Regifting, once a social taboo, is gradually gaining in acceptance. According to a nationwide consumer-spending survey by American Express, 58% of people believe it is OK sometimes to regift an item. That figure rises for the holiday season, when 79% of respondents said they believe regifting is socially acceptable. The survey, which polled about 2,000 people last year, found that nearly one-quarter of consumers said they regifted at least one item the previous holiday season. Wall Street Journal

Sorry, Wall Street Journal – 79% favorable is not “gradually gaining acceptance.” Regifting, once relegated to the slums of “white elephant” gift exchanges, has gone legit. Which totally takes the fun out of my all-time, always-a-hit white elephant gift: Butt Paste!!

butt
I prefer the TUB, not the TUBE

That’s comedy gold right there. Anyway, what do you think about regifting? Let us know, and have a great weekend!

Holiday Shopping by the Numbers, 2012

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11454642-christmas-shopping-cart-with-giftsCaution: mind-numbing statistics ahead! Discover card has released their annual Holiday Shopping Survey. The survey looks at how much we are spending, on what and for whom. It also has a list of what men and women would most like to receive. Here’s a boildown…

  • $100: each family will probably increase their shopping by this much in 2012
  • $838: the average amount spent
  • $165: how much more women will spend than men.
  • 51%: how many actually set a budget for holiday spending
  • 42%: men who plan to sell their pocket watches to buy a fancy comb for their wives
  • 53%: women who plan to sell their hair to buy chains for their husbands’ pocket watches

I was going to say I made up those last two, but it was actually O. Henry.

Who are we buying for?

  • 42% for our children
  • 26% for significant other
  • 06% for friends
  • 01% for boss or co-workers

Where are we shopping?

  • 60% some combination of store and online
  • 14% majority online
  • 96% of online shoppers use their computer, only 4% use tablet or smartphone

What affects our buying decisions?

  • 42% sales and promotions
  • 27% household financial situation
  • 13% getting or losing a job

And the most important question…

What do we want?

Men top 5:

1. Gift cards, 2. Money, 3. Consumer electronics, 4. Games/video games, 5. Apparel

Women top 5:

1. Gift cards, 2. Money, 3. Apparel, 4. Jewelry, 5. Tablet or e-reader

I always say “read the original article for more info” like I am the boss of you or something. But those Top 5’s are actually Top 10’s in the original, and I’m glad I found them!  Also, notes on gender: as a great philosopher (Sinbad) once said, “women be shoppin, y’all!” But this article really shows how women are just better at it. Finding bargains, comparison shopping… it was really interesting. Anyway, read the original article for more info! And have a great weekend!

(photo: 123rf.com)

Cable Bundling Blues

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I think you misspelled "overpriced."
I think you misspelled “overpriced.”

It’s a common complaint about cable TV: to get the channels you want, you have to buy a bunch of channels you will never watch. It’s called Bundling and, if you don’t like it, you are invited to come down to our dirty, depressing office next to the check cashing place and drop off your cable box.

So, it’s a little ironic that the cable (and dish) companies are now the ones complaining about bundling.

Time Warner Cable CEO Glenn Britt has made no secret of his distaste for the bundles of channels his and other cable companies are forced to accept in order to carry the few channels that customers actually watch. Now, says Britt, it’s time to actually do something about it.  The Consumerist

Now is the time, you see. Not all these years we have been screaming to cut the bundle, but now, because the cable guys are losing money. They have reached the point where they can’t pass any more of the cost on to us. Time Warner lost 140,000 subscribers in the past quarter alone.

If I had been a Time Warner customer, I would be among the 140K. Nothing personal, it’s just dollars and cents. I did the math, cancelled my subscription and went with a Roku box, digital rabbit ears, Netflix and Hulu. I am saving $100 a month, but your mileage may vary. And there are drawbacks like waiting, sometimes a while, for shows to land on Netflix or Hulu.

How about you? Do you feel, as Springsteen once said, “there’s 57 channels and nothing’s on?” Would you ever cut the cable?

Yes, it Comes in Pink

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“It’s a Car – a PRETTY One!” (brochure copy)

Ladies, be warned. Marketers have cracked the Girl Code. Millions of dollars have been spent to discover the secret of reaching women. You ready? Here it is: Color it pink and play on your insecurities.

We’ll let that sink in for a moment, like a moisturizing cream that erases fine lines and age spots.

One of the big-name ink pen companies has a For Her line. If you’re an Ellen fan, you know how that went over.

Said one reviewer: “For once, I don’t have to grip a giant, man-sized pen just to sign receipts at Saks. And the ink just hits the paper so smoothly, not at all like the rough, gritty man ink in normal pens.”

Meanwhile, Honda has a version of the Fit subcompact called “She’s.” Its lady-centric approach? It’s pink, its AC won’t dry your skin and its anti-UV glass will help prevent wrinkles.

The review is in: “Stupid name, awful color, everyone needs protection from the sun’s rays, and if they want to market to women, they need to think leg to pedal ratio, especially clutch, so you don’t have to scoot the seat all the way up to the steering wheel.”

I guess the point is that pink is nice, but that can’t be the only selling point.

Final example: I used to do marketing for a handgun company.

Now we’re talkin’!

They had a line of handguns For Her, in pink and lavender. But they weren’t JUST cute; they were smaller, lighter and with slightly less firepower so that – get this – women could actually USE them. We didn’t ignore Pink, we just turned it around: “Why is it pink? So your husband won’t want to borrow it!” Now THAT’S marketing to women!

Here are a couple of articles on the topic, from Today Show online: Here and Here. Check ’em out, have a great weekend and always remember to ask if it comes in pink!

(photos: news.yahoo.com and charterfirearms.com)

November’s Best Buys!

Of course, Black Friday draws near – the big bargain day for combat shoppers. But the rest of November is no slouch, as retailers try to grab your attention in the days leading up to the madness.

Here, from DealNews.com, is a list of some of your best November buys:

  • Cookware: Good prices, typically through December and January. But November is best.
  • Tools and Hardware: “Sets” are big, such as a 50-piece socket set. Hint hint.
  • Apple stuff: Apple often has 5 to 10% discounts on Black Friday, and retailers often make further cuts.
  • This season’s clothes
  • Wedding dresses: They’re just not on a woman’s radar this time of year, so it could be a chance for you to grab a bargain from a hungry retailer.
  • Halloween candy! Natch. (The author suggests you stuff some in your purse for Black Friday!)
  • Budget Laptops: Some as low as $200!
  • Turkey: Many stores give a bird away if you spend a certain amount. Don’t overspend just to get the bird, though.

Those are just some highlights of good buys. What’s NOT an especially great buy in November – or, not really any better than other times? Tablets. Turns out Amazon and others are basically giving them away already, selling them at cost, and making their money on the digital media you buy.

Lots more useful info at the original article, so check it out!

State Government Responds to Hacking

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We got hacked a couple of years ago, and it was the weirdest thing. Somebody hacked B*st W*st*rn Hotels, where we had stayed in Ohio a couple of years earlier, and got our credit card number. But the hacker was some kind of weirdo Robin Hood character, robbing from the underemployed to feed the poor. We started getting Thank You notes from the Red Cross and the USO, acknowledging our contributions!

Now, this week in South Carolina, the Secret Service discovered that somebody has hacked the S.C. Department of Revenue! Social Security numbers, tax records… they aren’t even sure what has been jacked!

What is interesting is that the State is reacting by offering free credit monitoring by Experian.

Plenty of S.C. taxpayers were nervous over the weekend, flooding lines set up by Experian, the California-based firm hired to provide ID theft protection for taxpayers. The company added operators Monday, though it still was suggesting the fastest way to register for ID theft protection was to register online. Those who need to sign up for protection can do so until Jan. 31.

The state of S.C., via Experian, is offering a year of free credit report monitoring, which can be used to help even with past problems found in credit histories. But crooks could use the stolen data for many years.  The State (SC)

I guess the lesson for me is this: I always said “Who would ever hack little ol’ me?” The answer is NOBODY. But they would sure as heck would hack the motel chain or the restaurant chain where you use your Visa card. I don’t know if I am even affected but, trust me, I am registering TOMORROW. And maybe you should, too. Other than Experian, names include LifeLock and EquiFax.

Have you or someone you know ever been hacked? What did you do?

Halloween Safety for Nerds and Other People

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These two probably won’t get hit by a car. But they WILL get hit by 8th-graders!

This is not so much a consumer piece, other than, as we reported earlier, you’re going to spend $80 per kid this Halloween and you would like to get them home in one piece.

When I was a kid, Halloween safety consisted of my dad telling me not to accept any apples, because hippies were hiding their drug needles in them. “That’s it! Now go run in the night streets in your dark gray Batman costume!”

So, to pay it forward, I will share a few Halloween safety tips from the National Safety Council.

Motorists: BE COOL! Seriously, I don’t even have kids, but I spend half the night screaming at the idiots driving 45mph on my street!

Parents: Basically it’s your job to suck all the fun out of it. Make your kids tell you their precise route. Give them a curfew time. And make them wear bright or reflective clothing, even if it ruins their Zombie costume.

Kids: Use some common sense! Don’t go to dark houses. Don’t eat your stuff until mom inspects it and steals the Kit Kats. Carry dad’s best flashlight, which you will surely break. And stay out of the abandoned mill, even if they dare you!

OK, enough sarcasm. You should download the list. There are tons of great tips to keep Halloween safe. The alternative is a “Trunk or Treat” in the middle school parking lot…and nobody wants that!

(photo: springsgov.com)