Tag Archives: online consumer panels

Last Minute Tax Fun

tax-tips-last-mBy the time next Tuesday’s blog post rolls out on 4/15, it will be Tax Day. So, consider this post to be the Last Minute!

All the helpful writers on money matters are quick to point out that there are plenty of things you can do to grab some last minute tax savin’s. So, if you are one of those of those thrill seekers who puts things off, what we call back in Kansas “Thing Put-er Off-ers” then this is the post for you. We have gathered a bunch of helpful links from around the web for your procrastination pleasure! Please to enjoy, “Last Minute Tax Tips 2014”!!

US News Money: 9 Last-Minute Tax Tips for Procrastinators

TurboTax: Tax Tips After January 1, 2014

Huffington Post: Last-Minute Tax Tips to Maximize Your Savings

Business Week: Last-Minute Small Business Tax Tips for Procrastinators

PC Mag: Tax Tips for Last-Minute E-Filers

Daily Finance: Don’t Panic: 5 Tips for Stress-Free Last-Minute Tax Returns

These look like some bits of sound advice, which is good for you because the only advice I could come up with was either A) Pssh! Blow it off, man!” or B) “You should start panicking, like, NOW!” Anyway, you’re welcome. If you got your taxes done, have a great weekend. If you’re starting tomorrow, have something else!

To Cash or Not to Cash?

Yep. All singles. Sigh....
Yep. All singles. Sigh….

Quick question: who still carries cash? I don’t mean that you have a twenty for emergencies, but that cash is your primary way of getting around. My wife is the “20 for an emergency” type, while I am cash. I will whip out the debit card for $80 worth of groceries, or the AmEx for Sunday brunch, but that’s so I don’t use up my precious cash! (Though, at brunch, I almost always leave the tip in cash.)

Is it generational? I worked at a place where I was a good (!) 15 years older than the rest, and NONE of them carried cash. Is it gender? My wife would NEVER carry as much cash as I do. Is it convenience? Our bank has very few branches, and getting to the ATM is a drag, so I never come away with less than $100.

At any rate, money guru Dave Ramsey has compiled a list of the pros and cons of carrying cash.

Pros include:

  • If you’re on a strict budget, and you see your cash dwindling, it helps you spend less.
  • Cash can give you bargaining power on a purchase.
  • Convenience, of course. And others…

As for the Cons of cash:

  • If it gets stolen, it’s GONE.
  • It’s bulky and messy. (My wife marvels at the way a piece of paper with 4 corners and 2 sides can somehow be crammed 97 different ways in my wallet!)
  • It’s useless online, which is becoming a primary way we shop. And others…

So, cash or no cash? What do YOU do? Let us know over at the MindField Online Facebook page, and have a great weekend!

April Foolishness

google-companies-prank-work-job-april-fools-day-ecards-someecards
That’s the spirit!!

As a writer FOR the web, I spend a lot of time ON the web. For me, April 1st is the most irritating day of the year, and it sneaks up on me every time!! I’m reading something (supposedly) serious like Newsweek.com and I see, “The President then said farewell, boarded the mothership and returned to his home planet.” And I’m like “Grrr! April Fools!” I might as well go play in the street for the rest of the day.

So I guess I can appreciate when businesses try to have a little fun with the concept. I mean, I might as well. They’re not going to stop just for me, and playing in the street is dangerous. So, here are some noble April Fools’ Day efforts from companies trying to get in on the fun and irritation.

See any that didn’t totally irritate you to death? Let us know over at the MindField Online Facebook page!

April Shower of Savings!

I just said that!
I just said that!

It’s almost April, and time to look at the months best bargains! Here are some highlights:

  • Electronics: It’s the end of the fiscal year in Japan, and everything must go!
  • Seasonal stuff: Spring clothing, Easter candy (after Easter, natch), Mother’s Day jewelry
  • Travel: Book cruises now, even if you aren’t traveling for months
  • Health: The New Year’s Resolution crowd has faded out, so there are bargains on athletic shoes and gym memberships.
  • Tax Time: Many retailers (especially fast food) offer a free cup of coffee here, a donut there. Check it out!
  • Home Improvement: Like we said, spring cleaning and projects, projects, projects!

Again, just the highlights. Here are a couple of helpful links for your Friday browsing pleasure.

ABC News: April Bargains to spend your tax refund on
Best Travel Deals: Best Travel Deals for April
Ben’s Bargains: Waste Not, Want Not: Best Deals to Buy in April
DealNews.com: The Best and Worst Things to Buy in April

Have you got any spending (or saving) secrets for April? Share them over at the MindField Online Facebook page. And have a great weekend!

Spring Home Improvement Fun?

Savings Tip #1: Find a bunch of giant $100 bills in the yard
Savings Tip #1: Find a bunch of giant $100 bills in the yard

It’s been a tough winter for just about everybody. And, trust me, I know it’s relative. If I tell you that here in Charleston SC, we had a cold snap where “it got down to 19 degrees one night!” many of you will laugh. But that’s a big deal here! Anyway, as spring finally breaks, we emerge from our caves to find that our lawns, landscaping, patios and home exteriors look decidedly more beat-to-crap than we remember them. Disgusted, we go back inside to the dank grizzly den we burrowed into all winter long, only to see that it has suffered a similar fate.

I’m pretty sure this is where the whole Spring Cleaning thing came from. I believe it’s as much as a psychological need as a physical one.

Of course, that takes money. That is, if you (I) have any left after watching your (my) heating bills more than double over the winter. A lot of folks use their tax refunds and – even in 2014 – over half of us plan to get one.

How will we spend? According to Zillow.com, about 60% will take on some kind of project, but we will only spend $700 on average – which is the lowest since Zillow started their survey. So, since we are being so conservative, here are some links to help you spend wisely!

Also, Walmart and Target are having HUGE home improvement sales this weekend.
How about you? Any home improvement plans? I plan to smash my thumb with a hammer and cuss a lot. Share your plans and savings tips with us over at the MindField Online Facebook page. And have a great weekend!

Extreme Cutting Back is Extreme!

336Caught a 2am rebroadcast of Kathie Lee and Hoda (Link here if you can bear it) interviewing a couple that moved with their two kids into a 336 square foot house they built. Apparently, this is a thing now, so they say. The couple really didn’t seem to be too smug about it (unlike, say, the enviro-hipsters at my old job who ride their single-gear bikes to work every day even though it’s 88 degrees in Charleston by 9am and you smell like a mule the entire day.) Anyhoo, these folks lost everything in the Crash, had to start over, and didn’t want to be in debt ever again.

Yeah, but 336 square feet? “It brought us closer together…” Geez, you think?

How about some more practical tips on cutting back? Try “54 Ways to Save Money” from AmericaSaves.org. Ideas include everything from keep a jar of change to buying the new light bulbs to only using YOUR bank’s ATM, and 51 more!. Some good stuff there.

So, what about you? Could you have a fire sale and move your family into 336 sq ft? What ways have you cut back? Are you saving much? Let us know over at the MindField Online Facebook page!

St. Pat’s 2014!

This-cat-like-Guinness-too-228x300Let go of my Lucky Charms, and listen up! Here’s where all your “green” will go this year on St. Patrick’s Day, according to MSNMoney.com:

Who is celebrating?

  • 55% of Americans will celebrate, up from 48% in 2007
  • 58% of men, 53% of women
  • 77% of 18-24 year-olds
  • 133 million people total
  • 34.1 million U.S. residents claim Irish ancestry
  • 24.1% claim Irish ancestry in the “most Irish” city: Boston

How are we celebrating?

  • 83% will wear green
  • 34% make a special dinner
  • 30% attend a party at a bar or restaurant
  • 22% decorate the home or office
  • 17% attend a private party
  • 2 million – number of attendees at NYC St Pat’s parade, America’s largest

How much are we spending?

  • $4.8 billion in spending
  • $36 per person
  • $255 million spent on beer

How about you? Any special plans for St Pat’s (other than possibly calling in sick on Tuesday?) Let us know over at the MindField Online Facebook page! Have a good weekend and a Happy St. Patrick’s Day!

March (Retail) Madness!

introEverybody knows that there are certain things you buy  – and certain things you avoid – in certain months. Many people (like ME) have no clue what those things are, though. So here is your buying (and avoiding) guide for March, with a load of links so you know we’re not making it up!

In general, what are the good buys for March? Things like cleaning supplies and home fragrances (for the Spring Cleaners among us!) Frozen food (March is Frozen Food Month, because there is a month for everything!) Anything to do with travel, because we are sick of sitting in the house all winter. Last year’s electronics. Post-Valentines (but pre-Easter!) chocolate, and on and on.

Now for your linking pleasure, here is the rundown from sources across the fruited plain. Enjoy, and have a great weekend (shopping, of course!)

And if you have a favorite March buy, let us know over at the MindField Online Facebook page!

Dollar Store Don’ts!

Dollar-Store dontThe hard-hitting sequel! Or something.

As much as I love the dollar store, there are some items you probably shouldn’t bother with, as the value doesn’t quite stand up. A relative term, for sure… it’s $2.50 someplace else, a dollar here, but it’s probably only worth 79 cents. Are you actually going to make a trip back to return it? You will spend more on gas!

Nevertheless, value is value, so let’s take a look at items to avoid, as listed by Wisebread.com…

Dollar Store Don’ts…

  • Anything With a Plug: forging that “UL Approved” label is not unheard of.  About the only electrical thing I buy here is lightbulbs.
  • Food Storage Bags, Aluminum Foil, and Cling Wrap: Sometimes you have to buy 4 boxes to get as many bags or feet of wrap as you would at Walmart, so you aren’t really saving.
  • Kitchen Utensils: For a college dorm or your niece’s first apartment, maybe. For regular grownups, no.
  • Vitamins and other drugs: Not dangerous, but sometimes lacking ingredients, sometimes past their expiration and, again, there may be very few in the bottle compared to the grocery store or pharmacy
  • Toys: There are so many safety regulations for toys, and some of the dollar-store kind come from far, far away, if you know what I mean.
  • Tools: Been there. Planning to use that screwdriver exactly once? Buy it at the dollar store!

A general note, courtesy of Me: Along the lines of “how many aspirin are in the dollar bottle?” I often consider how much they had to shrink the product to make it possible to sell for a dollar. If you have to buy 3 or 4 of them, are you saving? (I’m asking!)

Also, I am generally wary of anything in the store that costs UNDER a dollar. I think “One Dollar” is a powerful psychological cue. If everything else in your basket costs a dollar, then you won’t mind (or even notice) that the can of peas you are paying 85 cents for is actually 60 cents at Walmart!

So, that’s the lowdown. Again, I LOVE the dollar store. But if you shop it smarter, you can enjoy it even more! What are YOUR dollar store do’s and don’ts? Let us know over at the MindField Online Facebook page!

Dollar Store Dos and Don’ts

Dollar-StoreConfession time… for me, the dollar store has replaced Goodwill as my go-to retail therapy option. My main reason? Too many times I have seen an item from the dollar store – one that cost a dollar! – still in the package and for sale at Goodwill for $1.91!

Anyway, love that dollar store! And, let’s get it straight; I refer to the one that has the green color scheme, where everything is truly a dollar or less. But I have learned that there are certain items you can feel comfortable buying there, and ones you can’t.

So I was intrigued to find this list, “10 Things You Should Never Buy at the Dollar Store (and 10 You Should)” from Wisebread.com, to see if my instincts are correct. Let’s check out some highlights from the “Do” column (with bonus dumb commentary!)

Dollar Store “Do’s”:

  • Gift Wrap, Cards, and Party Supplies: I literally discovered gift bags and tissue paper here. Magical moment.
  • Glassware, Cups, and Mugs:  Fancy? No. But do they hold liquid, and transport said liquid from the table to your face? Done.
  • Coloring Books, Crayons, etc.: As long as your kids don’t mind that the coloring book is from Iron Man 1 and not Iron Man 3. For some kids, this is really a challenge!
  • Batteries: Probably my biggest purchase. I would classify dollar store batteries as “half as good for a quarter of the price.”
  • Holiday Decorations: You’d have to talk to Sgt Wife about this but, yeah, why not?
  • Most Cleaning Products: I would say mostly the basics. Bleach is bleach, but you won’t find the 14 kinds of bleach that Clorox thinks we need to survive. Another catch… I buy this generic Febreze, but I am convinced it is about ¼ the concentration of the name brand, and I go through it quickly.

Next time we’ll look at the Don’ts. What do you think?  Are you a dollar store freak like me? What are your big purchases? Let us know over at the MindField Online Facebook page, and have a great weekend!