Tag Archives: product testing

Home Ownership or Rental?

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When it comes to renting your home vs. owning, many people have long said that it’s always cheaper in the long run to own. Even if your mortgage payment is a couple hundred bucks more than rent, you get tax breaks. Plus, when you’re done paying, it’s YOURS. So it’s smarter in the long term.

But times are tight, and many folks don’t have the luxury of thinking “long-term.” And home ownership numbers have taken a hit. Despite historically low 3.7% interest rates…

The home ownership rate in the U.S. fell slightly from 66% to 65% during the first quarter of 2012 — the lowest in 15 years, according to the latest data by the U.S. Census. (It peaked at just over 69% in 2004.) SmartMoney.com

Basically, people with stable jobs and equity in their existing homes are buying new ones, but nobody is buying their old house. So there are a bunch of single-family homes being rented now…about 1/3 of all rentals.

So, while nationwide it IS still cheaper to buy rather than rent, there are a few places in the country where that formula is upside down, including:

  • Northern New Jersey: Mortgage is $529 higher than rent, with some of the highest property taxes in the US.
  • Long Island, NY: Same story.
  • California: Like, all of it. Has the greatest number of counties where it is cheaper to rent.
  • Seattle, WA: One place rents for $2000/mo, while a comparable place costs $4000/mo to buy – and that’s WITH a 20% down payment!
  • Honolulu, HI: I guess you could always live on the beach, right?

So, are you renting or owning? By choice? How about your friends and family? Let us know…and have a great weekend!

Store-brand Stigma? Not Anymore

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One of the great lines about the savings – and the stigma – of buying store-brand products comes from the old Rosanne sitcom.

Rosie is leading a home-ec field trip to the grocery store.  She tells the girls about saving with store brands as she reaches for some Brand-X corn flakes.  Her daughter is mortified. “But we don’t buy that…we use the good stuff!” Says Rosanne: “We use the BOX of good stuff. I fill it with this. It’s only SECOND best for MY family!”

Rosie and Dan scraped to get by during the good times. Well, times have changed. Now, it seems like many of us are scraping. Many of us will buy brand X, as long as it actually does save us some dough.

It’s generally accepted that store brands cost less than national brands, but how much less? A survey conducted for an association of store brand labels says switching to store brands could save the average consumer as much as 36 percent off their grocery bill. Consumer Affairs

The article describes a 4-week study where they bought 30 summertime items: hot dogs, condiments, charcoal, freezer pops, sunscreen, etc. One side bought brand names, one side bought brand X. They did all the careful science-y statistical stuff to make it fair. And they saw that a month’s worth of the good stuff cost $110.00, while the off brands cost $70.00.  The big winner? Buns!

So, yeah, there are savings to be had, as long as the quality is there. That will definitely vary by product and by brand.

What about you? Do you have brand X fever? Across the board? Some things yes, some things no? Never ever ever? Let us know! Read the rest of the article here, and have a great weekend!

(photo: healthkicker.com)

A Few of our 25K Fans Speak…

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On the occasion of reaching 25,00 Facebook fans, MindField Online took a moment to revisit some of the nice Facebook comments we get from friends like you…like this gem from Wendy:

Wendy says: Just finished my first successful survey with MindField Online internet panels…. WOW! What a GREAT survey experience! I can honestly say, as a person who takes surveys with several survey sites on a regular basis, that “THIS” is the best single survey experience I have had yet! I look forward to hopefully receiving MANY MANY MORE Surveys with this awesome survey site!

Thanks Wendy! You can check out the rest of the updated list at our Panelist Reviews Page.  And have a great weekend!

Wait…Tattoos are PERMANENT?

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Call it a sign of the times. Doctors are reporting a rise in patients seeking tattoo removal… in order to improve their chances of employment!

Tattoo removal is up 32% over the last year, according to The Patient Guide, a website comprised of 25 skincare publications.  The site reports that many of the patients say they’re undergoing the treatment for employment-related reasons.  NY Daily News

Either it’s college grads regretting their youthful ink, or it’s older people who have been laid off and looking for new jobs. The offending ink is often at the wrist or neck.

One doc is seeing 20 (!) patients a day. And it ain’t cheap! Tattoo removal can take up to 10 sessions, at $200 a pop.

I have to say, of all the things we can tell kids right now, in this horrible job environment, avoiding the ink is near the top! What do YOU think? Reasonable? Or dumb, old-fashioned prejudice?

(photo: yabucket.com)

It Just Got All MEMORIAL Up in Here!

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Long Memorial Day weekend ahead and, boy, this underemployed blogger could use the break! 😉 Just for fun, I went poking around the web looking for Memorial Day topics.

First, some history. Memorial Day began as a way to honor the Civil War dead. They think the first community wide observation was in 1866, but the first large-scale ceremony was at Arlington Cemetery in 1868. It expanded to honor the dead of all wars after World War 1.  It became an official, take-Monday-off holiday in 1971. Did you know you are supposed to observe a moment of silence at 3pm local time on Monday? I had never heard that.

Anyway, the Department of Veteran’s Affairs and USA.gov have a bunch of links about:

…and more, so check ‘em out!

Finally, for all you consumers (and MindField fans) out there, a website that tells you about all of the sales at durn near EVERY store in the country: MemorialDaySalesDotNet

Happy Memorial Day weekend, MindFielders! Have fun, be safe and, most importantly, HONOR those who sacrificed all!!

The Return of the Saturday Sale?

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A while back we told you about JC Penney’s new tactic: canning the big weekend sale and the coupon circular in favor of the Wal-Mart, “low-prices-always” model. Well, nobody’s buying it.

By offering year-around low prices, JCP wanted to change the customer’s belief that ‘the coupon is the golden key that unlocks the door to the biggest discounts’. But experts say consumers have a strong relationship with their coupons and aren’t likely to give them up anytime soon. “We learned coupons are a drug. They really drove traffic.” Consumer Affairs

In fact, business is down 20%, a loss of $160 million. Of course, JCPenney’s CEO says, no, this is still the right idea. You just haven’t caught on yet. It’s YOUR fault, dummies! (I may have added that last bit.)

So what’s the deal? (I’m asking.) Are you a JCP fan? Have you strayed? Do you miss The Big Saturday Sale? Is there less urgency to get there without some big sale that expires at 9pm? Let us know. And have a great weekend!

Poller Bear has a Winner!

Ever seen this guy in your MindField travels? The Poller Bear is a special internal poll that MindField Online uses to find ways to improve our services and company, to make it a better experience for members like you. We also use it to get insights on how to get new business and new clients, so that we can get more survey opportunities for our members.

So, once in a while you will receive a Poller Bear invitation, or see it on Live Now! And regularly someone wins a nice incentive. The latest winner is:

Diane Z. of Spring Hill, Florida!

Diane won $50! She said, “Thank you! I never win anything so this a nice surprise!”

REMINDER: The Cinco de MindField drawing for $50 is tomorrow, Sat May 12! We will announce the winner as soon as we contact and hear back from them! Good Luck!! And have a great weekend!

Cinco de MindField Celebration!!

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Did you know that May 5th is the official birthday of MindField Online Internet Panels? We just turned eight years old! And to celebrate, we have another giveaway opportunity! But first, let’s look at a MindField snapshot…

Today, MindField is honored to have 1.4 million active panelists, and we are pleased to have paid out almost $4,000,000 (four million!) member credits.

Lately, we have made vast improvements to the panelist experience including:

  • The Facebook merge
  • No-limit Amazon cash-out
  • PayPal cash-out
  • LiveNow! Listings of active surveys
  • Annual holiday “Make it Rain” drawings,
  • Live moderator for Facebook and MindfieldLive.com and specialized research community sites,
  • And so much more!

And we are keeping it up! Very soon, we will be expanding our targeting and pre-screening capabilities to make the live user experience even better and hopefully eliminate (to the best of our ability) the disappointment that comes with disqualification for MindField hosted surveys.

New Corporate Partner merge opportunities will include linking your membership and rewards information at the places you shop at everyday with your MindField Online account to increase your experience at both MindField and the merchant you are already purchasing from.  It’s only getting better . . . and better.

So, anyway, you’ve been patient. What’s in it for YOU? Well, after this week-long fiesta, some lucky member is going to win $50 on May 12!

To earn entries, all you have to do is:

  • “Like” this blog post, and
  • “Like” and “Share” the Facebook post (it will be re-posted every day.)
  • And re-tweet (RT) the Twitter post (same deal.)

You can only like the blog once, but with the others, you can enter up to 3 times a day!

Vamos, amigos! Help us celebrate Cinco de MindField, all week long!!

Legal High?

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“but mom, it’s TOTALLY legal!”

Hey, moms and dads! Got teenagers or kids in college? Then rush right over to YouTube and search “salvia.”

Salvia Divinorum – a type of synthetic marijuana, often known as “K2” or “Spice,” and bath salts products are often sold in legal retail outlets as “herbal incense” and “plant food,” respectively, and labeled “not for human consumption” to mask their intended purpose and avoid FDA regulatory oversight. Synthetic marijuana consists of plant material that has been laced with substances that users claim mimics the primary psychoactive active ingredient in marijuana, and are marketed toward young people as a “legal” high. ConsumerAffairs.com

Hey what could be wrong about buying fake drugs from a shady convenience store? Well, as I said, watch the videos. From my observation, when it goes bad, it looks like the user experiences a wave of mind-bending terror. Seems to only last about 10 minutes, but who knows what permanent damage might be going on?

So, obviously the law is cracking down. States are suing the manufacturers and distributors, and they are trying to educate the masses. It’s kind of like those pharmaceutical commercials with the annoying list of side effects at the end. Only these side effects include “…agitation, extreme nervousness, nausea, vomiting, racing heartbeat, elevated blood pressure, tremors and seizures, dilated pupils, extreme paranoia, hallucinations, and violent behavior, which causes users to harm themselves or others.”

Anyway, I didn’t mean to go all “ABC After School Special” on you, but these are the types of things busy working parents can miss. There’s more info at the original article. And now that you’re completely terrified, have a great weekend!

(photo: blogs.villagevoice.com)

Topics, Anyone?

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"Come on, Lucky Writing Necktie...inspire me!"

Here at MindFieldLive.com, we post twice a week on topics related to the MindField Online member experience. We also pick up on various consumer-related topics from around the web like saving money, avoiding ripoffs, tax-time tips, etc. and pass them along to you.

Sometimes it’s easier than others for your humble blogger to come up with ideas. So once in a while – that is, we did it once, and it’s been a while – we like to ask if you have any ideas for blog topics.  More consumer stuff? Articles about mobile retail? Saving for retirement? Finding the right daycare? Or maybe questions about MindField Online? Maybe even a question about MindField about something other than qualifying?

So leave a comment below, and give us your thoughts! And have a great weekend!