Tag Archives: earn cash and prizes

Summer Vacation!

beachAfter putting it off for EVER, I finally booked my summer trip: me and the wife to San Diego in August. Interesting to learn that Delta Airlines has special “comfy” seats for an extra $70 – extra leg room, better cushions, etc. We decided to go for it (it’s a five-hour flight!) I will let you know how that turns out.

Anyway, despite the continuing economic calamity, summer travel is just what we DO in the USA. So, if travel is on your agenda this summer, here are some informative, money-saving links for your perusal.

Summer travel tips from Travel + Leisure

Conde Nast summer travel guide

US theme parks under $50

Places to visit while they are still cheap

National Geographic summer travel tips

USA Today suggests gadgets to bring on your summer trip

Real Simple magazine travel savings tips

US News best cheap summer vacations

And finally…

Summer travel advice: try being nice!

So, what’s on your schedule this summer? Is it business as usual, or are you cutting back? Let us know… and safe travels!

National Home Ownership Month

for sale

It’s no secret that the housing market – and the explosion of bad mortgage loans – was a major contributor to the Big Crisis of 2008. Things SEEM to be improving, maybe kinda sorta. And yet I still hear radio ads for “low interest, zero-down” loans that will only perpetuate the problem. Ehh, what do I know? I’m just a guy who waited until I could actually afford a house, paid the required down and never missed a payment!

Anywayz… it’s National Home Ownership Month, where people from all perspectives come together to boldly agree, “Something should be Done about All the Problems!”

Here are some links for NHOM 2013:

National Association of Homebuilders

Protect Home Ownership

USDA Home Ownership Page

Financial Education is Key

Realty.com Celebrates NHOM

NAACP Celebrates NHOM

Free Homeowner Education from CCCS

So, what do you think? Is the American Dream of home ownership still alive and well – or at least alive? Have you experienced any difficulty getting a loan? Let us know, and have a great weekend!!

Wedding Season by the Numbers!

You're going to need more quarters...
You’re going to need more quarters…

Wedding season is upon us, so grab your checkbook (and the form for that home equity loan!) The CNN.com headline says it all: Brides and grooms spent more on their big wedding day last year than they have since the beginning of the economic downturn.

Wedding spending took a dive – relatively speaking – in 2008. Since then it has been slowly crawling back, according to CNN and TheKnot.com. So, let’s take a fun Friday look at Wedding Season by the Numbers – 2013 edition!

$28,427: The average cost of a wedding in 2012…down $1K since 2008

$76,687: Average cost in NYC…the highest

$15,504: Average cost in Alaska…the lowest

$204: Average cost per guest

26%: Number of couples who say “the economy” forced them to cut back on their plans…which is an improvement from 34% in 2009.

25%: Weddings that include shuttle buses between the ceremony and the reception.

27%: the percentage of weddings that include extra entertainment like photo booth or caricature artist – double the previous year!

There are many more statistics at the original story…so check it out!

Is your (or your kid’s) big day approaching? What do you think of these numbers? Let us know! And have a great weekend!

Summer Begins!

summer-icon

Memorial Day has passed and summer has commenced. What are your plans? A big vacation? A couple of smaller weekend getaways? Whatever your plans  – or even if you have NO plans – there seems to be a Top Ten list to help you make smart choices with your scarce entertainment dollars. Here are a few lists to get you started…

The best gas grills

The best airlines

The best hotels

The best ice cream

The best sunscreen

The best rental car companies

21 best US vacation spots

The best beaches

America’s best hot dogs

See any of your favorites on these lists? Let us know!

(photo: fxw.org)

Safe Online Shopping

shoponlineIn the old days, let’s say 2003, online shopping was the Wild West. You didn’t know whom to trust. Today folks like Amazon.com have really reformed online shopping and made it uniform, safe and secure. But it’s still on us to educate ourselves and shop smart online.

Here’s my not-terribly horrifying online shopping horror story from the old days.

I ordered a laptop battery from a place I had never heard of, but who had a great price. The battery worked great for about two days, and then just died. Like, completely dead.

Knowing I had a two-week return window, I contacted the company’s help desk using the email address from my original order confirmation notice. It bounced back as undeliverable. Somehow, they contacted me anyway and I noticed it was a different email address.

As the return process dragged out, with me never actually getting instructions on how to return the battery, I noticed that EVERY time they contacted me, it was from a different address. Finally I told them, “The rotating email thing is cute, but I totally see that the purpose here is to drag this out beyond the 14 day return period. That’s probably the way you burn people and, if the BBB doesn’t know that already, they’re about to.” That (admittedly limp) threat was all it took to get action, and I got my refund.

I am sure if I had taken the time to read the vendor reviews, I could have figured this out without the headache. But I was blinded by the idea of saving 60 percent! So, again, the point is to educate yourself on the vendor, and some common sense rules of online shopping. Here is your reading list. You’re welcome.

Mother’s Day by the Numbers

 Pause while all the dudes say, “Wait? Is Mother’s Day coming up!?”

Yes, children of mothers, Mom’s Day approaches (2 days, gentlemen.) Whether we have planned well in advance, or begin scrambling right after reading this post, recognizing Mom is a wonderful tradition – and a big consumer event!

Take a look at these stats, courtesy of StatisticsBrain.com:

  • $671 million: Total amount of money spent on Mother’s Day Cards annually
  • $126.90: Total average amount of money the average person will spend on gifts of their mom on mother’s day
  • $1.9 billion: Total amount of money spent on flowers for their mothers on mother’s day
  • $14.6 billion: Total amount of money that will be spent for mothers on Mothers Day
  • 96%: Total amount of consumers that will take place in mother’s day in some form
  • 24%: Total percentage of all transactions on holidays that take place on Mother’s day
  • 69%: Total percent of all gifts bought on mothers day that are flowers
  • 13%: Total amount of flowers bought on mothers day BY mothers that are for themselves

Awww, that last one is a bit sad. Please don’t be that dope whose mom has to buy her own flowers! But seriously, what are you planning for Mom’s Day? We want to know!

Have a great weekend and a HAPPY MOTHER’S DAY!!

(photo: hdwallpapersonly.com)

Steamin’ Hot Cashout News!

Starbucks-2

Hey, check it out! Your cashout options just expanded AGAIN. Starting this week, you can choose to cashout with a Starbucks eGift Card. Just go to your Member Home page, click on Cashout Now, and choose Starbucks. Or, pick any of our other cashout options: Amazon.com gift card, Walmart gift card, Sam’s Club gift card, PayPal or boring old check! The Starbucks option should be available beginning this week.

In other news, Live Now! survey announcements on the Member Home page – once only available to folks who linked their Facebook and MindField accounts – are now available to everybody! Back when we were getting up and running on Facebook, the link was a good way to promote it. Now, the link is just a thing that most people do anyway, so why not take down a barrier? Convenience, right? Remember, Live Now! announcements – just like email invites – use your member profiles as a starting point in the qualification process. That’s why we encourage you to keep those profiles fresh!

We hope you enjoy the new features. Now, can I get a latte to go?

This Year’s Prom Theme? Going Broke (Again!)

prom-limoTime for an update on a story from last year. It seems that, despite a continuously brutal economy, one area we aren’t cutting back on is our kids’ high school prom.

Visa says American families who have teenagers will spend an average of $1,139 each on the prom, a five percent boost, or roughly $60 dollar increase compared to the average amount spent in 2012 of $1,078.  KARE 11 News

What are we spending?

  • Northeastern average: $1,528
  • Southern average: $1,203
  • Western average: $1,079
  • Midwestern average: $722

And it appears, once again, that the brokest among us spend the most.

Visa also says one troubling statistic is that parents surveyed who fell in the lowest income brackets (less than $50,000) plan to spend more than the national average, about $1,245. Parents who make over $50,000 a year plan to spend less than that, an average of $1,129.  KARE 11 News

It’s madness. I see two culprits: TV shows like “My Super Sweet 16”… and parents that can’t say “No.” One bright spot: kids appear to be paying about 40% of the bill, with mom and dad coughing up 60%

BTW, the article also explains ways to cut some of these outrageous costs, so check it out!   What are your thoughts?

(photo: lipartyrides.com)

Storewide Sensory Overload!

"Don't worry, dear. According to the article, Red means savings!"
“Don’t worry, dear. According to the article, Red means savings!”

Merchandising or manipulation? It’s probably a bit of both. We’re talking about the ways retailers place items on the shelves as well as the ways they modify the store’s lighting, music and even smells. This is all in an attempt to alter your buying behavior, usually meaning making you spend more money! And if you’re trying to cut back – and who isn’t? – it may be helpful to learn some of their tricks.

Here are some of the retailers’ Sensory Weapons:

Color: Colors have different associations and those things tend to get people going. So, for example, red is almost always the color associated with sales because it inspires people to take action and it’s a stimulating sort of color. Lifehacker

Touch: We are more likely to buy something if we touch it. And, oddly, if the display is too neat or fancy, we shy away. It reminds me of the big healthcare tub display at the checkout of my local Walmart – a big tub with a huge variety of 88-cent aspirin, nasal spray and bandages literally dumped in. It’s a glorious mess, (below) and I can’t keep my hands out of it!

Who am I to resist?
Who am I to resist?

Music: It depends on what the retailer wants you to do. Sometimes they want you to move through a place quickly (like a fast food restaurant), while other times they want you to linger. Lifehacker

Layout: It could be the grocery store that moves everything every six months to make you discover new items to buy. Or a really specific example such as Ikea – which has a definite In and Out door, and a specific path we must take to get from one to the other.

Smell: yes, even smell. Smell has a strong tie to memory (Personal smell note: Fresh cut grass = first day of kindergarten.) If the retailer can connect with a memory, it’s a sale!

I guess you could make a counter argument… that all of this sensory experience is part of the fun of shopping. (I’m told some people enjoy shopping, anyway.) What do YOU think? And check out the original article!

In Case of Emergency…

emergencyI don’t know…it feels like today calls for a “public service” post instead of the usual consumer fun.

So, this was the week of the Boston Marathon attack and the fertilizer plant explosion in Texas. Still fresh in our memories are the shootings at the school and the movie theater and Hurricane Sandy.

If you happened to know anyone involved – and I have an acquaintance that had been tweeting about running his first Boston Marathon for weeks – you immediately wonder about his or her safety. And you keep wondering, because cellular service instantly crashes and the TV news is completely unreliable.

What’s the solution? It takes some forethought and preparation. We begin with some good news, and it is this:

That doesn’t mean your phone is useless. Text messages are a much better option than calls, because they take up less of a cell site’s resources and because if they can’t get through, they automatically keep trying. If you are connected to the Internet or can find nearby free Wi-Fi, email and Twitter are also quicker, more reliable options.  MoneyTalksNews.com

Now, let’s go worst-case scenario… what if something happens to your physical self, and you can’t communicate? Plan ahead, and remember this acronym: ICE. It stands for In Case of Emergency, and more and more first responders are learning it. Basically, you set up an emergency contact on your phone with the last name ICE, and the first name MOM or HUSBAND or WIFE. If a rescuer finds you unconscious, he will know what to do. Also, if you have a memo or reminder app, you might want to enter some medical history, or at least any medication allergies you may have. Of course, you will have to take off the password protection on your phone.

So, that’s it. Here is some extra reading that explains all of this in greater detail. Again, thoughts and prayers to our friends in Boston and Texas. And please stay safe!!

Cellphone Networks Fail in Emergencies: Here’s What to Do

Five Minute Lifesaver: ICE Your Cell Phone

4 Easy Ways to Get Free Wi-Fi

How to Set Up an ICE Contact