Tag Archives: paid for survey

Know that Return Policy!

Thanksgiving 2012 is a mere 30 days away. Do you know what this means? Right, Black Friday is only 31 days away!

People have made a sport out of this pre-dawn ritual. Bursting through the doors at 5am, racing to the toy aisle, etc. It’s chaotic and fun, but mostly chaotic. And in the chaos, mistakes are made, and returns become necessary.  And returns can be a drag!

If you fail to read a store’s return policy before shopping there, you could get stuck with an item that doesn’t work out. But if you fail to read return policies before gift shopping, it’s a friend or relative who could get stuck with an unwanted item. MoneyTalksNews.com

So how do you learn about a store’s return policy? What are some warning signs? Which stores have the best and worst return policies? That’s the subject of this article. But briefly, the author likes Costco, LL Bean, Nordstrom and Zappos. Not so much love for Babies R Us, Macy’s Kohl’s or Toys R Us.

Lots  of detail in the article, so check it out!

Kill Robo-calls, Win Money!

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Robo-calls are usually not this cute…

Did you read our piece on robo-calls last month? It’s right HERE. Go ahead, I’ll wait…

Anyway, I’m not one who responds to every problem with “There ought to be a law!” Besides, there are already laws on robo-calling, as well as a national Do Not Call registry. They just aren’t working!

So the government is getting smart for once, and asking for your help with “The Robo-call Challenge.” And they are offering a $50,000 prize!

The “robocall challenge” opens to the public on Oct. 25 and will close Jan. 17, 2013. The winner will be announced in April. The money will be awarded to the person, team or small company (it must have fewer than 10 employees) that develops the best robocall-blocking technology. The FTC says a successful entry must work, be easy to use, and be easy to implement and operate in today’s marketplace.  SFGate.com

Read the article for more info, and visit the FTC website.

Kill robo-calls, get paid…what could be better?

(photo: fitsnews.com)

Halloween by the Numbers!

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My house, every Halloween!

In my house, as a kid and as an adult, we always did it up for Halloween. And, looking back, I don’t remember ever dialing it down very much during hard times. Apparently, that is still the case in the US!

Here are some stats:

  • 70: The % of Americans celebrating Halloween in 2012.
  • 170 million: The number of Americans in the “Halloween market” this year.
  • 8 billion: The amount of $$$ we will spend for Halloween in 2012.
  • 80: The amount of $$$ spent by each person. Up $8 from last year.

So, how does Halloween avoid our belt-tightening?

Halloween has been one of the few annual events that we’re willing to shell out plenty of bucks for, almost certainly because of the escapism we feel by dressing up like Lady Gaga and Michael Jackson. We also have few qualms about dressing up our pets like Lady Gaga and Michael Jackson. Time Magazine

And to illustrate that last point, the article says that we will spend $370 million on pet costumes this year, up about 25% from 2011!

So, how about your family? Is Halloween a big deal? Have you cut back on the spending the past couple of years, or not?

The Fans Speak…Again!

Time once again to update our satisfied Facebook fans shout-out page. Take a moment to read some of the positive feedback from a few of our purt-near 30,000 fans… including this comment from Abbidula:

“I just rolled in another dollar bill and itching for more scratch. This is great with the “any amount” cashout plan. Join now and you can also benefit from these rewards.”

So take a look HERE. Thanks to all our friends, Facebook and otherwise. And have a great weekend!

(photo: southerncrescentsolutions.com)

MindField Milestones!

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What does it all mean?

A couple of milestones to mention today.

First, as represented in the totally awesome and NOT lame graphic above: 4MM. That means Four Million, as in MindField Online recently paid out its 4,000,000th credit to our panelists. That’s four million dollars since MindField’s inception in April 2004 – an average of $471, 000 a year. Over the past 5 years, however, our panelists overall have earned an average of $688,000 in credits each year.

To celebrate, we credited $25 to lucky number 4 million: CODY B. of MONTEREY, CALIFORNIA!

Meanwhile, “100K” also happened. That signifies $100,000 in Amazon.com credits our panelists have opted for since we introduced that new cashout method!  That took a surprisingly short 14 months, which means our panelists like the Amazon option even better than we hoped!

So, a big thank you to our panelists, and stay tuned for more excitement ahead. For example, we’re coming reeeally close to 30,000 Facebook fans. But you didn’t hear it from me!

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)

A Little Place in the City

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Like, a reeeally little place. This is a story that asks “How much space do you need?” And also “How little space can you tolerate?”

In San Francisco, where the average studio apartment rents for more than $2,000/month, the city is ready to vote on a rule allowing developers to build apartments as small as 220 square feet in size. Roughly 10 feet by 20.

At a minimum 150 square feet of living space — 220 when you add the bathroom, kitchen and closet — the proposed residences are being hailed as a pivotal option for singles.  LA Times

They hope the micro apartments will go for $1200-1700/ month. Great for a city where over 40% of the population lives alone. However…

Opponents fear that a wave of “shoe box homes” would further marginalize families of modest means who are desperate for larger accommodations…. And buildings full of micro-units could cause a spike in population density that might strain public transit and already limited parks and public spaces.   LA Times

As for me, I have done the Saturday walking tour of IKEA, where the fake apartments get smaller and smaller, until “Here’s how you can cram into 300 square feet!” And it gave me the creeps!

So what do you think? Clever idea, or the most depressing idea ever? (Or both?)

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)

The Mall of the Future!

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How will shopping change over the next 30 years?

The way Blake Nordstrom sees it, fashion has always been about change — “creating a reason for the customer to buy something new” — and the next three decades will bring more of it. The next 30 years of retailing will be all about the customer’s interests. And it will be up to merchants to keep up with or anticipate their every desire.”  USAToday.com

Yes, he’s that Nordstrom. We don’t have any of those around me, but I have always heard stories of their legendary customer service. Nice to see that they are thinking ahead.

Anyway, what does the future of shopping look like?  It’s all about technology:

  • Digital fitting rooms with parametric technology that simulates your body type and gives you a sense of look and fit.
  • 3-D printers that will allow you to make products in their own homes.
  • Smartphone technology that lets retailers dig into your personal data to figure out their tastes and potential interests.
  • Cash registers disappear as all transaction occur using cell phones.

The thing is, every one of these things exist right now, so it makes sense that somebody is going to find a way to use it for (your) fun and (their) profit.

But don’t expect stores filled with touch-screens and robots rather than hangers and sales associates. Though one day the ideal shopping experience might not involve human contact, Nordstrom says, “we’re not there yet.”   USAToday.com

What do you think? Do these sound like improvements to you? What changes would you like to see in retail? Let us know, and have a great weekend!

(photo: befitbefabulous.ca)

Stupidity Fees?

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Here is the typical drill. A consumer is completely surprised and shocked by some retailer’s stated policy, so she complains on Facebook. A big firestorm develops, and maybe they do a story on the local news that goes viral on YouTube. The embarrassed company relents, apologizes to the consumer and changes the policy.

Yeah, well, that didn’t happen this time.

An Irish family of 5 was on vacation in Spain. On the return trip, they arrive at the airport and go to the kiosk to print their boarding passes. They discover that the airline charges a 60 Euro ($76) printing fee PER BOARDING PASS. Four hundred dollars and one heart attack later, the mom is complaining on Facebook, has a million-billion Likes, and is demanding justice.

How does the airline CEO respond?

“We think she should pay 60 euros for being so stupid. She wasn’t able to print her boarding card at an Internet café? At the hotel? She couldn’t get to a fax machine so some friend at home could print them and fax them to her?”  NBCNews.com

His point? The terrible bad printing fee is a stated policy. If you didn’t read the fine print, then you should pay the Stupidity Fee.  This particular airline, Ryanair, is one of those low-cost outfits. And part of the low cost magic is crazy weird fees like this one, such as bag fees, exit row seat fees, and even potty fees.

So, is this right? If it’s in the fine print, can a company do whatever it wants? How closely do you read the fine print? Should you have to? Check out the original article to read about the pros and cons, and let us know your opinion.