Tag Archives: online polling

Shopping Ninja or Shopping Noob?

Purchase Receipt and Money. Savings Concept.Here’s a fun shopping quiz (actual fun may vary) concocted by Deb Morris, the “Fru-Gal.” Your scores supposedly will reveal your shopping personality, and may actually help you change shopping behaviors and save more money!

Here are the questions…

  1. Do you enjoy shopping?
  2. Do you make a list before you shop?
  3. Do you stick to your list when you shop?
  4. Do you always buy the same brands?
  5. Where do you shop the most often?
  6. When do you shop the most often?
  7. Do you use your store’s discount card?
  8. Do you use grocery coupons?
  9. Do you print coupons?
  10. Do you use electronic coupons?
  11. Do you belong to Checkout51, Vocalpoint, Ibotta or Saving Star?
  12. Have you ever purchased grocery items free with coupons?
  13. Do you ever shop at the drugstore?
  14. Do you take your grocery coupons with you on vacation?

Each question gives you three alternative answers, with each being worth a certain point value. Add your points to find out if you are a “Busy Shopper,” (the lowest category) meaning you are too busy to cut coupons or comparison shop; an “Amateur Shopper,” meaning you realize the value of coupons and flyers but you just aren’t good at it; or an “Expert Shopper,” which means you are an expert at (wait for it…) shopping.  I scored a 10, which means I am a “Dude.” Oh well.

So, take the test! How did you do? Let us know over at the MindField Online Facebook page!

Winter Weather Woes, 2014

152997244Here’s another web roundup, this time all about this NUTTY weather. As they said, “first the snow, then the cold.” Even here in Charleston SC, it’s going to down to 21 degrees (but it will feel like 9!)

So here are some links about travel delays, economic impact, lost work, etc. More importantly, how to stay ALIVE in this mess if you find yourself stranded, or if you happen to be unlucky enough to have to work outside (yeah, I would call in sick!)

So there’s your roundup! Two questions: have you ever heard of a Polar Vortex before now? Secondly, who is naming these things? Hercules? Ion? Give me a break!

Also, who has an outdoor NFL playoff game this weekend? Have fun with that!

Spending Snapshot, 1973

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made_in_1973_personalized_invites-r77027731f425487fb56691e8eb6c1eec_8dnmv_8byvr_512When you compare how much our incomes and spending have changed in the past 40 years, I guess you could say that there’s good news and bad news.

The average person spends 81.2% of his or her post-tax income on food, housing and other expenses, according to ConvergEx Group, a New York-based brokerage. That’s down from the 85% that Americans shelled out for mandatory and discretionary items in 1973. LA Times

  • Household Income After taxes: UP. $9700 in 1973, $63,000 today (adjusted for inflation.)

As a percentage of income, spending in the following categories went…

  • Savings: DOWN. Way down. We put over 13% of our income in the bank in 1973, now a terrible 4.6%!
  • Housing: UP. 15% of income in 1973, 19% today. Partly because the average square footage of a home has nearly doubled since then!
  • Food: DOWN. 19% of income in 1973, 13% today. Of course, family size has shrunk, from 2.9 to 2.5 people.
  • Cars: DOWN. 9.5% of income in 1973, 6.6% today. However, the next item…
  • Fuel: UP. 4.2% in 1973, 5.4% today.

So, it’s a mixed bag. Maybe it just SEEMS like we are paying more and more and more?

Personally, I think these numbers are wack. Like, the size of our homes has doubled, but we’re only spending 20% more of our income for them?  My theory?* They are measuring expenses as a percentage of household income. In 1973, less than 40% of moms worked outside the home.  It’s over 60% today (I looked it up!) So, in 60% of homes, it’s taking two incomes to enjoy a 4% decrease in overall household expenses. Yay progress!

My question to those who remember 1973 is this: what do you think? Do you think we are better off, worse off, or about the same as we were back then? Did Dad and/or Mom work as hard/harder/about the same to pay the bills as we do? Let us know over at the MindField Online Facebook page, and have a great weekend!

*Disclaimer: I’m an English major!

Healthcare Reform and YOU

bigstockphoto_health_care_reform_green_road__5632944Hey gang… that whole healthcare magilla is right around the corner – October 1, to be precise. If you’re like me, you have a lot of questions. And you might not know where to turn for answers. So I did some digging for all of the FAQ pages I could find…

Government Resources:

Centers for Medicare and Medicaid (CMMS)

Department of Labor

Medicaid and CHIP

Veterans Administration

 

Private Resources:

Kaiser Family Foundation

eHealthInsurance.com

H&R Block

American Public Health Association

Christian Science Monitor

Delta Dental

 

As it relates to various conditions:

Parkinson’s Disease

Mental Illness

Clinical Cancer Trials

Disabilities

Pre-existing Conditions

 

By State:

Alaska…Alabama…Arizona…Arkansas…California… Colorado…Connecticut… Delaware… Florida… Georgia… Hawaii… Idaho… Illinois… Indiana… Iowa…Kansas… Kentucky… Louisiana… Maine… Maryland… Massachusetts… Michigan… Minnesota… Mississippi… Montana… Nebraska… Nevada… New Hampshire… New Jersey… New Mexico… New York… North Carolina…North Dakota…Ohio… Oklahoma…Oregon… Pennsylvania…Rhode Island… South Carolina… South Dakota…Tennessee…Texas…Utah…Vermont … Virginia…Washington… West Virginia…Wisconsin … Wyoming

Have YOU found any good resources of information? Please share at the MindField Online Facebook page! And have a great weekend!

Christmas Comes Earlier, and Earlier, and…

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Kipper Williams 30 August 2012We were in Kmart over the weekend – that would be September 14th – a time when it is 92 degrees in Charleston, and the streets are still lined with garage sales. And what do we see? The Christmas displays are already out.

It’s a terrible, terrible cliché that “Christmas comes earlier every year!” But, dang! Doesn’t it seem like it?  It’ still regular season baseball. It’s week 2 of the NFL (when the Bengals still have a shot!) I haven’t even raked my first leaf!

So it’s no surprise that the Today show has already done a feature on the topic, appropriately enough, on Kmart.

Kmart is receiving a lot of attention for airing a Christmas ad a full 106 days before the holiday. Many customers feel the retailer is jumping the gun, but business analysts think the ad is necessary for the chain’s layaway program. Today.com

Meanwhile, in Walmart yesterday, I heard the announcement reminding shoppers that “our Christmas layaway is in full effect!”

Watch the video, and tell me…is 106 days too early? Does it bug you, or are you already taking advantage of the savin’s? Let us know over at the MindField Online Facebook page!

Famous Brand Deathwatch, 2014

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R_I_P_gravestone_TTime to pour a forty on the ground for some famous brands. It’s the annual product deathwatch from 24/7 Wall Street! Say goodbye in 2014 to:

  • J.C. Penney: their identity crisis has been painful to watch, so America stopped watching.
  • Nook: when was the last time a friend told you about their new e-reader, and it WASN’T a Kindle?
  • Martha Stewart Living Magazine: a shame – she’s SO darn likeable!
  • LivingSocial: Groupon ate their lunch  – at 50% off!
  • Volvo: the public has lost its taste for this Swedish meatball
  • Olympus: adding to the list of single-use electronics killed by the smartphone.
  • WNBA: this is still around?
  • Leap Mobile: never heard of them, but apparently the last one standing in the game of mobile merger musical chairs.
  • Mitsubishi Motors: heading to the scrap yard right behind Suzuki.
  • Road & Track Magazine: the owner also publishes Car & Driver, and doesn’t feel the need for two titles anymore.

See any of your favorites here? Probably not – lack of popularity is a big issue here. Any brands you USED to use and then abandoned? Why did you leave? Was it me? It was me.

Anyway, much more cause & effect at the original article, so you know what to do!

(photo: blogs.realdolmen.com)

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!

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.

Fun with Checking Account Fees

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See? He’s winking. Dead giveaway.

Check out these dismal numbers!

  • 39: the % of free, non-interest checking accounts. Was 76% in 2009.
  • 25: the % our service fees have risen since 2011, a new record (yay!)
  • 23: the % your minimum balance to avoid fees has increased since 2011.
  • 35: the average $$ of overdraft penalties. Up 1.4% from 2011

Why are all these fees on the rise? Many blame regulatory changes, such as restrictions on when banks can charge overdraft fees and fees charged on swiping cards.

“They are resorting to eliminating free checking accounts and instituting higher fees to help fill that gap,” he said. “If you ran a fast-food restaurant and the government told you that you can’t raise the price of a hamburger, you’d raise the price of soda and fries.” The Ledger

What can you do? Well, this article is full of useful tips, and you should definitely check it out. But some quick tips include searching out a smaller local bank or credit union, which generally have lower fees. Also, actually reading your statements. They REALLY count on you NOT doing that. Like, your free checking account that suddenly is no longer free and you wonder why? It was in your statement!

So, read the article. It’s worth your time. And tell us… are your fees rising? What have you done about it?

(photo: audiobooker.booklistonline.com)

Penny Auction? Bring a BUNCH of Pennies!

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Who wants an iPad for $19 and change? The answer is likely “Me me me me!!!” Well, that’s what “Penny Auction” websites like Beezid, Quibid and Bidfun advertise on TV during the late night Three’s Company reruns. But a new article at Yahoo News is offering that classic advice: if it seems too good to be true… But first, they explain how penny auction bidding works.

To sign up, you have to buy bid packs. The more you buy at a time, the lower per-bid price you pay. For example, you can buy a pack of 30 bids for $27 (that’s 90 cents per bid) all the way up to 1000 bids for $550 (55 cents per bid). Then you find an item you want to bid on, and start bidding. Each time you bid, it raises the price of the item by one cent and often resets a timer for another 10 seconds or so of open bidding. Bidding can be done manually, or you can set up auto-bidding, which will program the site to bid for you, usually at the last second.  Yahoo News

What’s the catch? The author lists several. First, to make a bid that raises the price by a penny, you are actually paying between 55 and 90 cents. Second, you get into a bidding war, make a bunch of bids, and end up not winning the item but still losing a bunch of money. Third, are you really saving? She provides an example where someone actually won an iPad for 83 cents, but used $300 in bids. That’s $301 total when, on that same day, you could buy the iPad on Amazon for $320.  Finally, just like those infomercials where they show you a dollar’s worth of crap, tell you it’s a $30 value and offer it to you for 10 bucks, it seems that some of these Penny Auctions are inflating the value to stir bidding excitement.

A final quote:

These sites bill themselves as “entertainment shopping.”  That’s like calling the craps table “entertainment banking.”   Yahoo News

But, as we say, that’s just one opinion. Have you used one of these bidding sites? What do you think? There’s more at the original article, so check it out. And have a great weekend!

(photo: quibidsreport.com)