Tag Archives: paid for survey

When the Price is Not the Price

Heard of “fluid pricing”? You’re about to!

Theoretically, software can track and identify a potential buyer, look up his past purchases, perhaps even link to his credit rating, Facebook posts, age and income – then make a pretty decent guess about how much he’ll pay for a product. Buffalo News

Odd true-life example. My former hairdresser, a Brazilian lady, charged her Brazilian/Latino customers more – because they have more and thicker hair!

Anyway, fluid pricing (some might say discriminatory pricing) is an age-old tradition – closeout sales, end of season clearance, senior discount, “Ladies Night”, etc. But now they are talking about altering prices by the minute, by the location and by the customer. And it’s all about technology. One more reason you might want to turn off Location Services on your smart phone!

So, what do you think? Should the guy sitting next to you on the airplane pay the same for his ticket as you did? Or is it none of your business? Do you care? A lot of people do – the article quotes a study that says when people find out that they have been “price-targeted” they don’t like it! Give us your thoughts over at the MindField Online Facebook page!

Secrets of the Rich

Shhh...don't tell!
Shhh…don’t tell!

Just read a piece, a slideshow really, in the latest Reader’s Digest. Entitled “How Rich People Think: 25+ Things They Won’t Tell You,” it gives us a glimpse into the wealthy person’s mind. Some of it is kind of dumb, like “I bet you think I own a lot of suits, but I don’t!” But thoughts on how they make, spend, save and think about money are more interesting. Here are some highlights:

  • Be persistent: don’t quit until you get what you came for, such as a job, a client or a good deal at car dealership.
  • Cut out the middle man whenever possible.
  • Look for savings, and don’t be embarrassed to use coupons!
  • Don’t waste anything!
  • Be bold in the workplace. You won’t get anything if you don’t ask. And aim high!
  • Make connections, form relationships and hold on to them. You never know who will send you that next great opportunity!

Pretty interesting stuff. There are a couple of humorous ones, as well. One guy says that giving gifts is always a no-win situation. If you give something normal, you’re being cheap. Give something awesome, and you’re just showing off. Boo-hoo, rich dude!

So, what’s the best advice you’ve ever heard about making, saving or spending money? Let us know over at the MindField Online Facebook page!

Shutdown Blues

Hopefully, this post will be obsolete soon. However you feel – right/left, red/blue, D/R – the dysfunction of the Federal government shutdown is spooking people. In fact, they are saying it could affect your holiday shopping:

A big concern is that a prolonged government shutdown could severely hurt the economy and necessarily, consumer spending. For each week the government remains shut, the U.S. economy would lose 0.15 percent of annualized growth.  TheLedger.com

Mind you, this comes at a time – the last few months of the year – when retailers typically pull in 20 to 40 per cent of their annual numbers.

And, let’s not forget the folks who are making (or not making) the money that the retailers are chasing. Here, according to TheFiscalTimes.com, are the cities that can expect to take the hardest hit…

  • Washington DC (no duh!)
  • Bethesda MD (lots of govt contractors)
  • Norfolk VA (huge Navy base)
  • Honolulu HI (lots of military)
  • Dayton OH (huge Air Force base)
  • El Paso TX (Army base, Beaumont Hospital)
  • Colorado Springs CO (lots of military)
  • Oklahoma City, OK (Air Force, Federal offices)
  • Albuquerque, NM (THREE Air Force bases!)
  • Bakersfield, CA (Air Force)

The numbers are based on how much Federal income affects the local economy, with DC at around 18% and Bakersfield at around 7%.

So, truly, no politics here! Some folks think the shutdown is pure evil. Some think it’s a righteous protest. Others think that it is a bad thing that might lead to a better way of running things in DC. But, if you are affected, it stinks!

So, are you feeling the pinch? How are you coping? Let us know over at the MindField Online Facebook page and have a better weekend!

PS… I was going to include a picture, as I often do – something like “Uncle Sam turning his empty pockets inside out.” But I Googled that, got 20,000,000 results and got too depressed.

Free is Always Better!

Free+Samples+4.1Here’s a fun one for Friday. Free Samples. They used to be a big deal; manufacturers and retailers used to advertise them all of the time. Now, in the internet age, the Savers Club age, you don’t hear as much about them. But Free Samples are very much alive!

Sample.net has put out a fun infographic that tells you what the popular samples are, who has them and how to get them, as well as a little bit of the logic behind them. Here are some highlights, then I will give you the link.

Why samples?

Well, they are a fast and efficient way to get your attention. Even better, for the companies, they get all kinds of info about your wants and interests, what you like and don’t like. That’s marketing gold to them!

Who has them?

Most of the biggies you would expect, such as WalMart, Target, P&G, Gillette, etc.

Like what?

Cosmetics, bath, home, pet supplies and more!

OK, enough yak-yak. Where’s the link!?!

Fine! Here ye be. Enjoy!

Have any good sample secrets? Let us know over at the MindField Online Facebook Page! And have a great weekend!

Tweeting Too Much?

twitter-bird-white-on-bluePersonal information, that is. The answer is probably Yes, according to Consumer Affairs.com:

Social media users compromise their privacy all the time. They post pictures while they are on vacation, for example, advertising the fact they aren’t at home. They reveal other personal information that ought to be private. ConsumerAffairs.com

One big reason is geo-tracking. You have GPS turned on, and your tweet goes out there with really accurate location info for all to see. Other times, it’s the info you carelessly blab in your tweets.

Anyway, the article tells of a grad student in California who has studied people’s tweets and is able to map out their activities, online and real-world. He says they are usually pretty shocked what he knows about them! He has developed a site, geosocialfootprint.com, to help educate folks on privacy issues.

Now, this isn’t a indictment of Twitter. This is about personal responsibility. If you don’t like sharing all of this information, you can take steps to change it. So, what do you think? Is this a big deal, or just paranoia? Do you care if people know this stuff about you? What about your kids? Give us your thoughts over at the MindField Online Facebook page, and have a great weekend!

Labor Day By the Numbers!

10425650-illustrated-labor-day-text-designIt’s By the Numbers time again (…yay?) This time, we celebrate the worker on Labor Day. And, if you somehow manage to HAVE a job these days, the celebration should be non-stop!

Anyway, the US Census Bureau has a stack of Fun Facts to share, so let’s take a look!

Today’s Top 10 Occupations!

  1. Retail salespeople
  2. Cashiers
  3. Food prep, including fast food
  4. Office clerks, general
  5. Registered nurses
  6. Waiters and waitresses
  7. Customer service representatives
  8. Laborers and freight, stock, and material movers
  9. Janitors and cleaners
  10. Secretaries and administrative assistants

Wow. Talk about your “service economy!”

By the way, the top 3 occupations in 1910 were farm owners, farm laborers (paid) and farm laborers (unpaid family members.)

Median income:

  • Men $48,202
  • Women $37,118

Fastest Growing Jobs, 2010-2020:

  • By percentage: Personal Care Aides
  • By number of jobs: Registered Nurses

Labor Day Retail!

How many retail sores are out there for your Back-to-school and Labor Day consumption? THIS MANY!

  • 28,128 family clothing stores
  • 25,448 shoe stores
  • 21,227 sporting goods stores
  • 8,407 bookstores
  • 8,144 office supply and stationery stores
  • 7,093 children and infants clothing stores

So, now that we know what we are doing the other 364 days of the year, what are YOUR plans for Labor Day? I’m going to the beach! Whatever you get up to, be safe, and happy Labor Day!

Remember When?

In this Mental Well Being Moment, Reader’s Digest cites a number of studies that suggest reminiscing about past good times can be healthy for you.

Nostalgia has been shown to counteract loneliness, boredom, and anxiety,” John Tierney wrote in a recent New York Times article. “It makes people more generous to strangers and tolerant of outsiders. Couples feel closer and look happier when they’re sharing nostalgic memories.  Reader’sDigest.com

Some Suggestions?

  • Take Time to Make Time: Almost 80% of us spontaneously reminisce one a week. But why wait? 20 minutes a day might do a world of good, says Psychology Today.
  • Just remember, don’t write: One study says that Thinkers are happier than Writers. I know when I write them down, I am always trying to make them clever and perfect and more awesome. Takes the fun out.
  • Sounds and Smells can Lead the Way: Ever have a song come on and immediately remember the first time you ever heard it? Again, why wait for it to happen? Also, smells. I must have said this before, but the smell of freshly cut grass always takes me back to the first day of kindergarten – though that’s not necessarily a nice memory!
  • Don’t Compare the Present to the Past: Yeah, especially if you are thinking about the economy!
  • Think back with others: Others that share the memories, I guess. Chatting on Facebook with your high school friends about all the various kinds of trouble you got into can be fun. Just remember, your kids are watching!
  • Have Memorable Experiences Now: As Kate Gosselin used to shriek so charmingly, “WE’RE MAKING MEMORIES!” So do that. I mean, make memories…don’t shriek.

So, is this a healthy habit? Have you tried it? What do you think? Let us know at the MindField Online Facebook page!

A Time to Spend, A Time to Save

6870888815_24c39c51f3It’s an age-old consumer dilemma: price vs. value. Should you spend more for better stuff, or Just Save? The answer is Yes. It depends on the item. Some, you shouldn’t fear paying more for. Others, you shouldn’t bother. Here, consumer warriors MoneyTalksNews.com sorts things out!

Don’t Fear…

  • Furniture. Built well, it will eventually pay for itself in comfort – and in not having to go back to the furniture store for a long, long time!
  • Electronics. Just because you CAN buy a DVD player for $30 doesn’t mean you should!
  • Paper towels. This makes sense. When you use the good ones, you use fewer of them and get the job done faster!
  • Shoes. As with all things shoe-value related, it might help to be a person who is not shoe-obsessed, i.e., a dude. Anyhoo…I have a $95 pair of shoes I bought in 2005 that are still going strong. You just have to maintain them.
  • Swimsuits. Buy 3 cheapies at the beach store, and 2 will be dead by Labor Day. Or, spend a little for value!

Don’t Bother…

  • Food staples. There are all kinds of foods people just feel better spending more for. Milk, sugar and flour shouldn’t be on that list. Just get the cheapest, and use your coupons!
  • Basic clothing. I had this weird epiphany when I was walking into Walmart and I realized that everything I was wearing came from there. Then, I got over it.
  • Books. Remember these? Even though I like books, I have never in my life paid $30 for a new hardback. Garage sales baby!
  • HDMI cables. I made this mistake. This is the cable that connects things like Xbox and Roku to your HDTV. They WANT you to get the $25 cable, but the $7 one will usually suffice.

There is a lot more rationale at the original article, so check it out. How about you? Will you spend for some things and not for others? Let us know at the MindField Online Facebook page!

Conspiracy at the Return Desk?

2391.mdaThe next time you return something to the store, just know that the all-seeing Eye of Sauron is watching you! It’s up to you to decide if that’s a bad thing or not.

Returns account for almost 10% of all retail items purchased each year, over a quarter-trillion dollars a year in the US! And while the majority of people doing the returning are average upstanding Joes and Janes like us, there are some whose practices aren’t so wholesome, and the retailers are pushing back.

Many retailers are tracking you, too — or at least your merchandise returns. The companies say it’s all in the name of security and fighting fraud. They want to be able to identify chronic returners or gangs of thieves trying to make off with high-end products that are returned later for store credit.  Salt Lake Tribune

They pass this info along (mostly in secret) to companies, almost like credit agencies, who collect your return information and create “profiles” of your habits.  Naturally, the retailers say they are trying to protect the bottom line and prevent fraud. Just as naturally, shoppers are getting worked up about profiling and transparency.

What do you think? Necessary evil in the name of Low Prices, or one more intrusion in a life that already has too many? Read the original article, and tell us your opinion over at the MindField Online Facebook page. And have a great weekend!

Online Privacy?

online-privacyDoes it seem like we all know at least one person who has been hacked or had identity-theft problems? Heck, in South Carolina (where I live) the entire Social Security Department got hacked. Hundreds of thousands of SS numbers were exposed. They had to give free privacy software to EVERYONE in the state!

Now, with that guy running around in exile in Russia, hacker “vigilante” groups like Anonymous, and growing questions about what the government does with the info it collects, people are getting more interested in online privacy. WAY more interested.

In recent days, American Consumer News reports:

  1. Online privacy firm Abine said that downloads of its free DoNotTrackMe browser add-on, which blocks commercial web tracking, increased by 42 percent.
  1. DuckDuckGo is a search engine that, unlike Google, Yahoo and Bing, doesn’t collect or store the data of its users. They got a mention on CNN and Bloomberg, and business went through the roof. Four days in a row of record-breaking traffic, up 33% over the previous week.

Why the focus on commercial web traffic? Because, regardless where the information ends up, commercial traffic is where info-gathering begins.

So, how about you? Are you being more careful? What are you doing? Do you feel safer? Let us know at the MindField Online Facebook page!

BTW, be sure to check out the privacy section of the MindField Online official website!