Tag Archives: product testing

TARGET-ed!

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target-credit-card-breach-stolenBeen keeping up with that credit card breach at Target? Here’s the skinny….

Target says 40 million credit and debit cards may have been compromised. If you shopped at a U.S. Target store between November 27 and December 15, you should assume you’re at risk and keep a close watch on your account statements. It’s not clear whether every Target store was affected, but at least one card issuer says it’s seeing signs of fraud all over the United States, according to Krebs on Security. You’re not in any danger if you shopped at Target’s website, or one of the company’s Canada stores. Time Magazine

At my house, we got our notices from Target via email. It answers a lot of questions, offers advice, as well as the opportunity to access free credit reporting from the big agencies.

Some, of course, are saying it’s too little too late. The public relations nightmare – and the lawsuits – have already begun. In my opinion – very much a “seems to me” without any hard evidence – Target was a little late in admitting there had been a breach. When they did, they talked about it happening on Black Friday weekend (let’s say 11/27 to 12/1.) By the time I got my email, that weekend period had stretched to December 15!

On the other hand, let’s not place ALL the blame on (seemingly) inadequate security. Let’s be sure to thank the jerks who stole the credit cards. They KNOW you and I won’t be held accountable for the fraudulent purchases, and they see it as a victimless crime. In my opinion, it’s ECONOMIC TERRORISM pure and simple.

Anyway, here are some (FRESH) links if you need to catch up:

Did you get your notice? Is this an outrage, or more of the same in today’s super-connected, ever-more-vulnerable world? Let us know over at the MindField Online Facebook page, and Merry Christmas Eve!

The Smell of the Sell

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sens-MMCWhat does a Hugo Boss store smell like? I couldn’t tell you. But I know it smells like something. And the scent was scientifically chosen, and it’s the same in every store. Why? To sell stuff!

Such sensory branding is becoming a bigger part of stores’ consumer marketing. Retailers often rely on music and colors to create a mood, but now they’re targeting the other sense, smell, to get customers to make a more sophisticated connection to the brand through their shopping experience — they even have a name for it: olfactive branding. Time.com

What have the eggheads learned with these sorts of sensory branding?

Sight: displays consisting of warm colors (red/yellow/orange) are good at attracting impulse buyers, while cooler blues and greens attract the more analytical shopper.

Sound: you may be tired of the holiday music in stores now but, like it or not, it put you in a Christmas mindset, which fuels gift buying.

Taste: there’s a reason Starbucks (and everybody else) whips out the pumpkin spice in the fall and peppermint in the winter!

Smell: has really captured the retailers’ imaginations in the past few years. Baby powder smell in the kids. Section, coconut in the swimwear section, and so on. There are even professional smell consultants who design official scents for retailers. By the way, I said I didn’t know what a Hugo Boss smells like. Actually it’s “musk with a hint of citrus.” I don’t know what that MEANS, of course. So, technically, I wasn’t lying!

So, what do YOU think? Trickery or smart business? What smells have you noticed? Do you notice them at all? Let us know over at the MindField Online Facebook page, and have a great weekend!

Online Spending and Trending

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online-holiday-shoppingA survey by the Marist Poll, entitled “It’s Beginning to Look a Lot Like Last Year” states it pretty bluntly: The hope that an improving economy would spur holiday shopping does not seem to be materializing.

But while spending isn’t up much, they point out the way we split opur shopping time and dollars. Across the board, online shopping keeps nibbling away at the total.

What are we spending compared to last year?

  • 52% expect to spend about the same
  • 10% plan to spend more this year
  • 38% think they will spend less.

…numbers almost identical to 2012

Where are we purchasing?

  • 19% strictly online, up from 14% in 2012
  • 41% buy some online, some brick & mortar, unchanged
  • 40% brick & mortar only, down from 44% last year

Regional differences in online buying?

  • Northeast: 28%, up from 19% last year
  • South: 17%, up from 12%
  • Midwest: 16%, up from 11%
  • West: 18%, up from 16%

Online buying age gap? Yep.

  • Under 45: 27% mostly online shopping, up from 20% last year
  • Over 45: 13% mostly online, up from 11%

More stats and analysis at the original piece, so, you know, check it out! So, do you see yourself in these numbers? Are your shopping habits changing? Online more? Brick& mortar less? Let us know over at the MindField Online Facebook page.

Last Minute Tax Reduction Tips

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2010-year-end-tax-tips-landlords-250x250I know we’re all distracted by Holiday shopping madness, but it’s never too soon to start looking for ways to reduce your 2013 income tax obligation. You only have 3 weeks left to make adjustments!

Things like deferring income until the new year, making charitable donations, pre-paying next year’s college tuition, and maxing out your IRA and HSA contributions are all legitimate ways to cut your tax bill. For a more comprehensive list of tax ideas, I went on a little Google search. Here is a list of links that will get you started.

And, just in case you miss the boat, there’s always next year!

Of course, you should definitely consult with your tax professional before doing this. That’s if you can catch him – he’s probably out Christmas shopping!

How about you? Have you used any of these techniques? Did you save much? Let us know over at the MindField Online Facebook page!

Curbing the Impulse

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06shopping5Tales of Impulse Buying Horror!

I once knew a girl who bought so much stuff on QVC that they asked her to go on the air and talk to the hosts. She did but, in the middle of the conversation, she remembered that her husband said he would leave her if she bought one more thing on QVC. So she abruptly hung up on air!

I once knew a dude who filled his house with Hoosier cabinets bought at antique stores. He was convinced he was going to someday open a store of his own. There were so many that you had to shimmy sideways down the hall. Otherwise, the house was crammed with other collectible crap because, for some reason, he never thought to put it IN the cabinets!

So, yeah, impulse buying. On a small scale it can be relatively harmless. But when it’s out of control, well, it’s out of control.  For some folks, it’s a serious problem, causing money troubles and conflict in the home. What can you do about it? NerdWallet/ABC News has some helpful hints. As usual, these are just the bullets, with dumb commentary added…

  • Don’t buy with credit (duh)
  • Install a time delay for shopping websites (like, the site won’t load for five minutes after you click.)
  • Make shopping harder (like, when you store all your personal, payment and shipping info on a site to make shopping a breeze? Don’t do that!)
  • Follow the 30-minute rule (just back away…)
  • Unsubscribe from daily deal newsletters (I have wasted SO much money with these)
  • Take advantage of the cooling-off period (You legally have 3 days to cancel)

I like this one, because hey, we’re only human…

  • Keep a splurge fund

Again, much more detail at the original piece, so check it out! How about you do you know any impulse buyers (because, obviously, it’s not YOU)? Is it harmless or out of control? Do you think these tips would help? Let us know over at the MindField Online Facebook page!

ALSO: Shopaholics Anonymous …if you think you need it.

The UK Catches Black Friday Fever

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British Black Friday is SO much classier!

Ah, the Black Friday blog post: the least-read post of the year! I tell ya, I got nothin’!

Well, almost nothin’. Here’s something kind of interesting… two years ago we posted an infographic about the price differences between the US and the UK. An iPod might be $135 in America, and $175 in the UK. Add Black Friday sales into the mix – which didn’t exist in the UK – and suddenly tons of Brits were hopping on planes and invading Boston on Black Friday.

Now, according to an article at CapitalBay.com, there’s no need to hop the pond anymore, because Black Friday has officially arrived in the UK!

 And now Black Friday – the States wide sale that traditionally follows Thanksgiving – has come to UK shores, with retailers promising enticing deals to match those of their American counterparts. As retailers from Asda and John Lewis to Amazon and PC World offer deals, it is expected to be the year that Britain embraces the concept and cements it as a tradition in the UK consumer’s calendar.  CapitalBay.com

Well, good luck, Brits. Hopefully you can handle the madness better than we do at times. Hey, maybe the next time you see video of a Black Friday riot, it won’t automatically be Americans!

Anyway, hope you are having a good Black Friday and are finding lots of deals. Furthermore, when things get tense, I hope you are part of the SOLUTION, not the PROBLEM. If you have any stories to share, let us know over at the Mindfield Online Facebook page!

UPDATE! These scenes in the UK today should look familiar.

Know Your Layaway

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We have talked over the last couple of Holiday seasons about the return of layaway, in posts like this one and this one. As many folks continue to struggle economically, layaway has grown even more popular. In fact…

While layaway currently lacks the explosive popularity of gift cards, it’s a trend that bears watching, says Butler. Depending on consumer reaction, stores offering holiday layaway could extend their programs year-round, and retailers without layaway could make it available, he says.  Bankrate.com

You may be new to the layaway game. Or you did it back in the 1970s, like everybody else’s mom. Either way, the game has changed a bit. So Bankrate.com has drawn up a handy list of 8 things you need to know about layaway. Here are the bullet points:

  • Availability may be limited
  • Different programs have different rules
  • Down payments or deposits are possible
  • Ask about payment deadlines
  • What if I miss a payment?
  • What if the price drops?
  • Your merchandise might not be held on-site
  • It’s smart to save those receipts

Like I said, bullet points MUCH more info at the original article. How about you? Will you layaway this year? Has the system changed – better or worse? Let us know at the MindField Online Facebook page, and have a great weekend!

Holiday Savings 2013

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Holiday-Savings-2As Readers Digest puts it, “Americans spend an average of $800 per year on holiday shopping. Are you getting the most bang for your buck?”

Are you looking for ways to save this holiday season on gifts, decorations, entertaining or travel? Well, MindField Online has done an exhaustive 20-minute search around the web and pulled up some helpful links. Some from “legit” news sources, some from simple mom-bloggers. Either way, you’re sure to get a few helpful ideas. Enjoy!

How about you? Any savings tips you’d like to share? Let us know over at the MindField Online Facebook page, and have a great weekend!

November Deals!

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SavingsThe madness begins. In a few short weeks you will be strapping on your armor and heading into the mouth of madness known as black Friday. And, as we noted yesterday, Black Friday is six days later this year, meaning that the holiday shopping season is cut short by nearly a week. So, if you want to get a jump on things, here is a list of links to tell you where the deals are this November. Enjoy!

End-of-year car deals

A lot of Halloween-expiring deals, but also several that last through the weekend and beyond

November travel deals

November deals on “Weddings, Tools and More” from the Wall Street Journal

Deals & Bargains in November from CBS News

The Best and Worst Things to Buy in November from DealNews

Online tech retailer Newegg announces “Black November”

Insider article on the types of deals to look for in November

So, are you ready to rock? Do you know of other good deals? Let us know at the MindField Online Facebook page! And have a great weekend!

When the Price is Not the Price

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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!