Tag Archives: market research

Wireless Savings!

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Mobile phone and dollar bank notesMy first mobile phone plan (they didn’t call it wireless then) was 15 minutes a month for $8. I kept the phone in the glove box in case of emergency. I mean, who was there to call in 1993?

It’s been a long road from there to today’s “$79 a month 200 meg unlimited text 450 anytime minute nights 4G mocha caramel latte weekend rollover” plans. One thing that hasn’t changed is that the carriers never stop trying to sell you 10% better service for 20% more money!

However, there are savings to be had, according to financial guru Dave Ramsey. Here are some tips from his newsletter:

  • Use Wi-Fi: For email, surfing and texting. I do this every chance I get, it’s free vs. 3G or 4G
  • Skip the insurance: Dave logic – if you can’t afford to replace your phone, you can’t afford the phone to begin with.
  • Negotiate: If you have the patience, fine. I find the phone store too depressing to stretch out the experience by haggling.
  • No contracts: I have done this twice, and it truly is the way to go. If you know somebody who is ditching their iPhone4 for a 5…buy the 4 from him. Used phone = no contract!
  • Read the menu: That is, your phone bill. If you see something that costs money and you never use, get rid of it!

There are more tips at the newsletter (and many other kinds of financial common sense) so check it out.

How about you? Are you happy with your wireless bills? Have any other savings tips? Let us know over at the MindField Online Facebook page. And have a great weekend!

Sales Tax Summer Savings!

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taxfreeWe talked previously about gearing up for the grind of back to school sales. But some folks in certain states – and ones nearby – will catch a break in the form of the annual sales tax holiday.

Forty-five states, the District of Columbia, and Guam impose sales taxes on the sale or lease of many goods. Of those forty-five states, just under half offer some sort of break on sales tax for school supplies, energy efficient appliances and hurricane preparedness. Most offer their holidays at the end of July or the beginning of August in order to attract back to school shoppers.  Yahoo Finance

So, where and when are the savings? Check it out:

  • THIS WEEKEND (7/26): Mississippi
  • Weekend of August 2: Alabama, Arkansas, Florida, Iowa, Louisiana, Missouri, North Carolina, Oklahoma, South Carolina, Tennessee, Virginia
  • Weekend of August 9: Georgia, Texas
  • Aug 11-17 (Sunday-Saturday): Maryland
  • Aug 18- 24 (Sunday-Saturday): Connecticut

MUCH more detail at the original article!

When I first moved to SC from Ohio, many moons ago, was the first time I had heard of the tax holiday. (Note that Ohio is not on the list!) I have heard of big savings over the years, though. So, if you live in one of these states – or next door to one – saddle up for summer savings!

Have you done the tax holiday for back to school? Have any tales of big savings? Leave a comment at the MindField Online Facebook page. And have a great weekend!

The Ways We Save

Unfortunately, that penny was dropped from the roof of the Empire State Building
Unfortunately, that penny was dropped from the roof of the Empire State Building

Unless money truly is no object in your family, then you have cut back like the rest of us in the past 5 years. The things we do or buy and places we go are a little more modest.

It’s no surprise that in a thriving economy, consumers don’t watch their spending and budget as closely. They splurge on…getting their hair done frequently…vacations and redecorating their home. When the economy took a turn for the worst, consumers cut back on those extra expenses and became determined to save on daily expenses such as grocery shopping and gas. The JaneDough.com

So, how are we doing it?

  • Postponing (indefinitely!) that dream vacation, that elective surgical procedures (get used to the crow’s feet!) And, the oddest item: not getting divorced. (Staying together because it’s cheaper…yay?)
  • Investing in energy-efficient appliances and home upgrades, security systems and… get ready… pregnancy prevention products. (No comment – read the article.)

And last but not least:

  • Thievery. Ask my wife the commercial property manager about the relentless Copper Wars. On second thought, don’t get her started. Other popular items include feminine hygiene, toilet paper and dogs. (Again, read the piece.)

Of course, your mileage may vary. In our house, it’s not a matter of cutting OUT certain things; we seem to do the same NUMBER of things, but each thing is scaled back. Except for thieving. Don’t touch my thieving! Anyway…how are you getting by? Let us know over at the MindField Online Facebook page!

Location, Location, Location

Apartment-For-Rent-Sign1Are you a renter in the big city – or want to be? Is it hard to find a decent place you can actually afford?  Apparently, the credit crunch means there are too many renters and not enough square footage!

Although the average rent across the U.S. is $1,231 per month, in certain areas it can be triple that number. Landlords can afford to charge such daunting prices because there are so few apartments available in high-demand cities.  CBS MoneyWatch

MoneyWatch averaged the costs of studio, one- and two-bedroom apartments across the USA, and came up with the ten most expensive cities for rentals. I hope you’re not on this list! Here are the averages…

10. San Diego: $1,670 per month

9. Seattle: $1,718

8. Miami: $1,742

7. Oakland, Calif.: $1,812

6. San Jose, Calif.: $2,165

5. Los Angeles: $2,177

4. Washington, D.C.: $2,699

3. Boston: $3,190

2. New York: $3,344

1. San Francisco: $3,396

Bet that’s the only time New Yorkers AREN’T upset about NOT being number 1! So, if your town is on the list, so sorry. The good news is that they also figured out the CHEAPEST places to live.  That list is HERE, but be warned: some of these towns have more cattle than people. You get what you pay for!

Facebook and Blog Fans Speak!

megaphone-kid-croppedHappy Friday y’all! Any big Father’s Day plans? Cookout maybe? Have fun!

It’s time once again to feature comments from satisfied MindField Online panelists, collected from our Facebook and blog comments. (Interesting that we heard from a lot of dudes this time!) You will find them at our “Panelist Feedback” page. Here’s a sample from Mary…

Mary says: I have been with MindField for over 10 years. They are one of my favorite survey panels. They are quick to pay and I love the new cashout options, i.e., PayPal, Amazon gift cards. I love their product tests I’ve done so many for them I can’t count. Just saying thanks again, MindField Online!

10 years! Thanks Mary! So take a look, and have a great weekend. Give Dad a hug for me!!!

(photo: southerncrescentsolutions.com)

Summer Vacation!

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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!

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!

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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)

Memorial Day 2013

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Mem Day

Memorial Day soapbox time – bear with me.

I was all set to do one of those “(Holiday) by the Numbers” posts, where we talk about how much we will spend on travel and hot dogs and new lawn mowers this Memorial Day. But my Google search uncovered this instead: a website that accounts for EVERY serviceman killed in conflict since the Revolution. We (I) sometimes tend to forget that honoring these men and women is the entire point of the holiday, as opposed to having Monday off and drinking beer.

MindField Online wishes to thank service members past and present and their families, and to honor those we have lost. As Americans, we don’t always agree on the value of this or that conflict, but you can’t deny the courage of those who put themselves in harm’s way. So, please take some time to visit MemorialDayFoundation.org.

And have a safe and enjoyable Memorial Day weekend!!

(photo: hellskitchennyc.blogspot.com)

Safe Online Shopping

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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.