Tag Archives: prize giveaway

The MindField Online Nickel Tour – Revisted Again!

200141357-001Over at the MindField Online Facebook page, we commonly hear, “I’m new—how does this whole thing work?”  That’s a pretty broad question, so we usually answer, “There’s plenty of info to be found at our website, www.mindfieldonline.com -check it out!”

But exactly what you will find has been a mystery, wrapped in a riddle, wrapped in an internet – until now!  So, keep your hands and feet inside the tram as we take an informative, exciting (but mostly informative) tour of the MindField Online Internet Panels website. And please, no flash photography!

Member Home

A really useful portal that gives you a quick look at announcements, surveys available (“Live Now!”), membership details, payout options, referrals, member profile survey status, payout balance progress… and more!

Account Settings

Here is where you can update or change your user preferences, email or street address and your password.

History

This is a detailed list of your survey activity, with a link to your payout activity, as well.

Policies

How do you register? Who is eligible? What are the rules? Here is where you find out!

FAQ

Check out the answers to some frequently asked questions HERE. Then, take a moment to realize “So THAT’S what FAQ stands for!”

IQD

Other than farm fresh ingredients, what steps does MindField Online Internet Panels take to ensure the quality of our data? Find out HERE.

About

Because corporate histories are so darn exciting, click HERE to learn more about MindField Online and parent company McMillion Research.

News

Much of the news you will have seen on our Facebook page, but you will get more detail here.

Winners

MindField Online has regular cash drawings and sweepstakes. Here is where you can see the winners.

Back to School “Creep”?

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Me.
Pictured: Me.

Does it seem like the Back to School sales are starting earlier and earlier each year? Apparently, you’re not imagining it, according to Ad Age magazine.

Instead of merely waiting until August and then hoping that shoppers spend a lot of money at once, stores are having sales now to sell certain items in June and July with the idea that they’ll come back in August and spend some more, most likely on apparel.  Ad Age

The phenomenon has a name: “Back to School Creep.” Sort of like how the stores start putting out their Christmas displays the week before Halloween! I didn’t know this, but Back to School is the second biggest retail time of the year, second only to Christmas, and accounts for $84 billion in sales.

When I was a kid, I had an odd mindset during the summer: gradually increasing dread. I saw the summer as a long weekend. The piece of June left after school let out was Friday night. July was Saturday. And August was Sunday, when I could really feel the last of the sand leaving the hourglass before school started again. (PS…I HATED school.)  And those obnoxious Back to School sales at the mall didn’t help my mood at all!  But at least they waited until August. Today’s kids have it rough!

How about you? How much do you spend on Back to School? How soon do you start shopping? Do you think the retailers start pushing it too early? Let us know over at the MindField Online Facebook page. And have a great weekend!

4th of July Spending Revisited

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See what I did there?
See what I did there?

So, fellow MindField-ers… having a good holiday weekend so far? Did you manage to get Friday off? I hope so! Last Friday, we did a post about 4th of July spending. I thought I would actually track my own this year, just for fun. First, the agenda…

Starting out from the suburbs of Charleston SC, it’s:

  • July 4: Cookout at in-laws
  • July 5: Antiquing in West Columbia SC
  • July 6: Going to the beach at Kiawah SC
  • July 7: Charleston Harbor tour and dining downtown

And here is my spending, real and projected:

  • Cookout: 4 bags of chips, sodas and my homemade guacamole… $21
  • Antiquing: Maybe $50, meals $25
  • Beach: Sodas, snack, parking fee…$12. Lunch after, $20
  • Harbor tour for 2: $20 (thanks Groupon!) Meals $40
  • Gas for the weekend: 450 miles, at 30 miles per gallon, times $3.15 per gallon (it’s CHEAP in SC)…$47

Total Independence Day 2013 spending: $235

How does that sound to you? High? Low? About right? We had talked about spending the weekend in Asheville NC, which probably would have brought it up to at least $500, which is more in line with the numbers we reported last week. Fortunately, I am a CHEAPO! Wife is too, so at least we’re compatible!

So, what are YOUR plans. Let us know over at the MindField Online Facebook page. And have a great weekend!

BONUS: If it’s been since 9th grade that you have read the Declaration of Independence, you really should revisit the old girl. Read it HERE.

Independence Day by the Numbers!

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redwhiteyouBy this time next Friday, we will still be on the front end of the long Independence Day weekend – though, sadly, not as long as last year, when it fell on Wednesday! So, are you staying home (more of us are) ? Or taking a trip (fewer, and spending more) ? Either way, there’s a price tag on your “4th Fun” – because this is America, dang it!

Continuing a long MindFieldLive tradition, it’s Independence Day by the Numbers!

$300: Average spent on holiday parties

$39: Average spent on fireworks

40 million: Number of us taking a July 4th trip this year. Down 300K from last year

613: Average miles traveled per trip

$747: Average amount families spend per trip. Same as last year

3 million: Number of us flying – up 10%

84%: The percentage of travelers going by car, vs. plane

$3.60: Average price of a gallon of gas. Up 11% from last year

BTW, if you ARE entertaining at home, here’s an article that tells you how to save some bux!

What are YOUR plans this year? Hit us up on Facebook, and have a great weekend!

Source, Source, Source,

Bad Math, Bad Mortgages

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4-out-of-3-people-are-bad-at-math.american-apparel-unisex-fitted-tee.silver.w760h760How are your math skills? Back in school, mine were fine until 10th grade when I started paying more attention to the girl sitting next to me than to my homework. I stalled out in Geometry and never caught up.

And I guess I am not alone. Supposedly, Americans are at the bottom of developed world in math skills. And one study suggests that this deficit may be one cause of all the mortgage problems.

Americans who have trouble dividing 300 by 2 are much more likely to end up in foreclosure than consumers with average math skills, a new study has found. The research is among the first to directly link mortgage trouble and financial literacy, according to its authors. NBC Redtape Blog

Can’t divide 300 by 2? And here I was embarrassed because I never learned quadratic equations!

Anyway, these science nerds gave a test to various mortgage-holders. And their scores directly related to their ability to maintain a healthy credit score. Here’s the test:

  1. In a sale, a shop is selling all items at half price. Before the sale, a sofa costs $300. How much will it cost in the sale?
  2. If the chance of getting a disease is 10 per cent, how many people out of 1,000 would be expected to get the disease?
  3. A second-hand car dealer is selling a car for $6,000. This is two-thirds of what it cost new. How much did the car cost new?
  4. If 5 people all have the winning numbers in the lottery and the prize is $2 million, how much will each of them get?
  5. Let’s say you have $200 in a savings account. The account earns 10 percent interest per year. How much will you have in the account at the end of two years?

It’s alarming, but a LOT of people can’t solve these problems. Number 5 is the hardest. (answers below)

The takeaway is FINANCIAL LITERACY or, I suppose, NUMERACY. Learn your financial ABCs and don’t back yourself into a corner. So lean on your kids to do well in math, because there is always hope. I may have ended up as an English major, but that girl sitting next to me in 10th grade is now the head of the math department at an East Coast university!

Read the article – it’s really interesting. And happy Tuesday!

Answers: 1) $150 2) 100 3) $9,000 4) $400,000 5) $242 (compounded annually)

Awkward Money Moments are Awkward

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That awkward moment when you have no money and someone writes AWKWARD! on your blouse.
That awkward moment when you have no money and someone writes AWKWARD! on your blouse.

It’s no secret that money sometimes brings out the weird in us. The triggers can vary but there seems to be a few that we all share, according to CouponCabin.com. They conducted a survey, and here is their “Top 5 Money Moments that Make You Feel All Oogy” (my title) followed by some personal observations.

  • 34% – Feeling pressured to donate on behalf of a co-worker, family member or friend. (Author considers making a crack about mandatory United Way participation, then reconsiders.) 
  • 29% – Saying no to a panhandler or beggar. (Back home, some group gave the homeless newspapers to sell, so it wouldn’t feel like charity. So you got the self-satisfied bump of Giving but, since the paper was about homelessness, it was a real buzzkill.)
  • 25% – Feeling pressured to chip in on a group gift at work, like for a baby shower or wedding shower. (This is my wife’s job at her office. She is merciless. “You vill GIVE! You vill LIKE it!”)
  • 25% – Sharing salary/wage amounts with co-workers. (When somebody does this, just say a higher number. It will kill them.)
  • 17% – Splitting a dinner bill or check with a large group of people. (Never be the one collecting the money, unless you like chipping in an extra 10 because your friends are such bad tippers!)

So, what’s YOUR oogy money moment? One of the above, or something unique? Let us know. There’s much more at the original article, so check it out. And have a great weekend!

Death of the Family Portrait

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so METAL!
so METAL!

“Treasured” memories like the above will soon be a thing of the past. Out of the blue, the company (CPI) that runs thousands of portrait studios inside big retail stores such as Sears and WalMart is closing its doors.

In fact, go to Searsportrait.com, and this is ALL you see:

After many years of providing family portrait photography, we are sad to announce our Sears Portrait Studios are now closed. We appreciate your patronage and allowing us to capture your precious memories. If you currently have an album or have had a recent portrait session, you can order products at searsphotos.com thru April 18, 2013. If you have had a recent session, your portraits may be available at your local studio.

Now, before you blast Sears or Walmart, remember that CPI, in business for 60 years, is just a vendor for the retailers. They are deeply in debt, and their time has come.  CPI says that much of the blame goes to the proliferation of camera phones.

Their employees are shocked, to say the least, and more than a little worried that CPI might not make good on their current orders. Some are taking matters into their own hands. One employee “hastily burned as many undelivered portrait packages as she could onto compact discs on Thursday. By Friday, she tried to spread the word to those customers that she’d be at a nearby pet store’s parking lot Saturday with those CDs.”

So, if you have a pending portrait order with a local CPI, you might want to pick up the phone. To CALL them, not to take pictures!

So, what do you think? Will you miss the old portrait studio? Hey, I never used one, but it is kind of sad to lose a minor American tradition such as this.

On a brighter note, here are some bad family portraits from around the web!  Awkward Family Photos, More Awkward Family Photos

Acts of Random Suspended Kindness

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coffee2I think people want to do good. They mean well. As the Wizard of Oz said there at the end, “Back home we call these people well-meaning do-gooders!” or something.

But this one has me skeptical. You be the judge…

There is a movement afoot (translation: a Facebook page) to “Pay it Forward” at your local coffee shop. It goes like this…

When you order your morning (coffee), you also order additional items, but ask for them to be “suspended.” When a person who can’t afford their own beverage comes in, they can ask for a “suspended” coffee or food, and receive one for free. The Consumerist

Poverty solved! I am AWESOME! (Sorry, I said I would let YOU judge.)

Now, with a headline like “Why Ordering ‘Suspended’ Coffees For The Needy Is Stupid And Inefficient,” it’s as if The Consumerist is giving us a vague hint as to its opinion of this practice. You can read their criticisms in the original article. Meanwhile, Starbucks Melody, an “unofficial blog of the Starbucks brand,” has some suggestions to help people more efficiently.

But what do YOU think? Is this an efficient way to help people? Is a little kindness better than nothing? Is this just an example of (well-meaning) people finding the easiest, cleanest way to feel like they are helping? Have you done it? Would you? Let us know!

Cheap, Frugal or Both?

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Get it?
Get it?

It’s kind of a slow consumer news day, other than the persistent economic gloom. So I thought we would surf the web for money saving ideas! See if any of these make sense for you and your family. Follow the links to savings! or something…

As a counterpoint: 5 Household Items Worth the Splurge

Also, a question: has the downturn “educated” us to the point that we no longer need coupons?Read: Coupon clipping declines as shoppers get savvier

What do you think? Any good tips here? Do you have any to share from your personal experience? Let us know!

Kiss Me, I’m Irish

This-cat-like-Guinness-too-228x300

St. Patrick’s Day by the Numbers!

  • Nearly 35 million Americans claim some Irish heritage. That’s seven times the population of Ireland, around 4.58 million.
  • Americans, Irish- and otherwise, will spend around $4.5 billion for various St Patrick’s day food, and festivities, at around $35 per person. Where does it all go?
  • In the all-important food and beverage category, St. Pat’s celebrants will buy 26 billion pounds of corned beef and over 2 billion pounds of cabbage. Then, they will combine those, boil them to death and EAT them!
  • Meanwhile, they will spend $435 million on beer alone, not all of it green.

Other popular expenditures?

  • Irish-Americans will spend $24 million on lime-green dyed potted  mums for Ma and Gran.
  • We will send 7 million St. Patrick’s Day greeting cards, presumably with leprechauns on the front.
  • And we will spend around a billion dollars on trips to Ireland.

Sounds like a blast. The good news is that you don’t have to be Irish, at least according to the stats. While Irish-Americans make up about 11% of the population, fully half of all Americans say that they will be partaking in the St. Pat’s festivities. So tilt a pint of the green stuff, but please do it responsibly! Thanks, and have a great St. Pat’s weekend!

Cool links: Here, here, and a really fun graphic here.