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Posts Tagged ‘earn cash and prizes’

shoponlineIn the old days, let’s say 2003, online shopping was the Wild West. You didn’t know whom to trust. Today folks like Amazon.com have really reformed online shopping and made it uniform, safe and secure. But it’s still on us to educate ourselves and shop smart online.

Here’s my not-terribly horrifying online shopping horror story from the old days.

I ordered a laptop battery from a place I had never heard of, but who had a great price. The battery worked great for about two days, and then just died. Like, completely dead.

Knowing I had a two-week return window, I contacted the company’s help desk using the email address from my original order confirmation notice. It bounced back as undeliverable. Somehow, they contacted me anyway and I noticed it was a different email address.

As the return process dragged out, with me never actually getting instructions on how to return the battery, I noticed that EVERY time they contacted me, it was from a different address. Finally I told them, “The rotating email thing is cute, but I totally see that the purpose here is to drag this out beyond the 14 day return period. That’s probably the way you burn people and, if the BBB doesn’t know that already, they’re about to.” That (admittedly limp) threat was all it took to get action, and I got my refund.

I am sure if I had taken the time to read the vendor reviews, I could have figured this out without the headache. But I was blinded by the idea of saving 60 percent! So, again, the point is to educate yourself on the vendor, and some common sense rules of online shopping. Here is your reading list. You’re welcome.

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 Pause while all the dudes say, “Wait? Is Mother’s Day coming up!?”

Yes, children of mothers, Mom’s Day approaches (2 days, gentlemen.) Whether we have planned well in advance, or begin scrambling right after reading this post, recognizing Mom is a wonderful tradition – and a big consumer event!

Take a look at these stats, courtesy of StatisticsBrain.com:

  • $671 million: Total amount of money spent on Mother’s Day Cards annually
  • $126.90: Total average amount of money the average person will spend on gifts of their mom on mother’s day
  • $1.9 billion: Total amount of money spent on flowers for their mothers on mother’s day
  • $14.6 billion: Total amount of money that will be spent for mothers on Mothers Day
  • 96%: Total amount of consumers that will take place in mother’s day in some form
  • 24%: Total percentage of all transactions on holidays that take place on Mother’s day
  • 69%: Total percent of all gifts bought on mothers day that are flowers
  • 13%: Total amount of flowers bought on mothers day BY mothers that are for themselves

Awww, that last one is a bit sad. Please don’t be that dope whose mom has to buy her own flowers! But seriously, what are you planning for Mom’s Day? We want to know!

Have a great weekend and a HAPPY MOTHER’S DAY!!

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Starbucks-2

Hey, check it out! Your cashout options just expanded AGAIN. Starting this week, you can choose to cashout with a Starbucks eGift Card. Just go to your Member Home page, click on Cashout Now, and choose Starbucks. Or, pick any of our other cashout options: Amazon.com gift card, Walmart gift card, Sam’s Club gift card, PayPal or boring old check! The Starbucks option should be available beginning this week.

In other news, Live Now! survey announcements on the Member Home page – once only available to folks who linked their Facebook and MindField accounts – are now available to everybody! Back when we were getting up and running on Facebook, the link was a good way to promote it. Now, the link is just a thing that most people do anyway, so why not take down a barrier? Convenience, right? Remember, Live Now! announcements – just like email invites – use your member profiles as a starting point in the qualification process. That’s why we encourage you to keep those profiles fresh!

We hope you enjoy the new features. Now, can I get a latte to go?

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Time for an update on a story from last year. It seems that, despite a continuously brutal economy, one area we aren’t cutting back on is our kids’ high school prom.

Visa says American families who have teenagers will spend an average of $1,139 each on the prom, a five percent boost, or roughly $60 dollar increase compared to the average amount spent in 2012 of $1,078.  KARE 11 News

What are we spending?

  • Northeastern average: $1,528
  • Southern average: $1,203
  • Western average: $1,079
  • Midwestern average: $722

And it appears, once again, that the brokest among us spend the most.

Visa also says one troubling statistic is that parents surveyed who fell in the lowest income brackets (less than $50,000) plan to spend more than the national average, about $1,245. Parents who make over $50,000 a year plan to spend less than that, an average of $1,129.  KARE 11 News

It’s madness. I see two culprits: TV shows like “My Super Sweet 16”… and parents that can’t say “No.” One bright spot: kids appear to be paying about 40% of the bill, with mom and dad coughing up 60%

BTW, the article also explains ways to cut some of these outrageous costs, so check it out!   What are your thoughts?

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"Don't worry, dear. According to the article, Red means savings!"

“Don’t worry, dear. According to the article, Red means savings!”

Merchandising or manipulation? It’s probably a bit of both. We’re talking about the ways retailers place items on the shelves as well as the ways they modify the store’s lighting, music and even smells. This is all in an attempt to alter your buying behavior, usually meaning making you spend more money! And if you’re trying to cut back – and who isn’t? – it may be helpful to learn some of their tricks.

Here are some of the retailers’ Sensory Weapons:

Color: Colors have different associations and those things tend to get people going. So, for example, red is almost always the color associated with sales because it inspires people to take action and it’s a stimulating sort of color. Lifehacker

Touch: We are more likely to buy something if we touch it. And, oddly, if the display is too neat or fancy, we shy away. It reminds me of the big healthcare tub display at the checkout of my local Walmart – a big tub with a huge variety of 88-cent aspirin, nasal spray and bandages literally dumped in. It’s a glorious mess, (below) and I can’t keep my hands out of it!

Who am I to resist?

Who am I to resist?

Music: It depends on what the retailer wants you to do. Sometimes they want you to move through a place quickly (like a fast food restaurant), while other times they want you to linger. Lifehacker

Layout: It could be the grocery store that moves everything every six months to make you discover new items to buy. Or a really specific example such as Ikea – which has a definite In and Out door, and a specific path we must take to get from one to the other.

Smell: yes, even smell. Smell has a strong tie to memory (Personal smell note: Fresh cut grass = first day of kindergarten.) If the retailer can connect with a memory, it’s a sale!

I guess you could make a counter argument… that all of this sensory experience is part of the fun of shopping. (I’m told some people enjoy shopping, anyway.) What do YOU think? And check out the original article!

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emergencyI don’t know…it feels like today calls for a “public service” post instead of the usual consumer fun.

So, this was the week of the Boston Marathon attack and the fertilizer plant explosion in Texas. Still fresh in our memories are the shootings at the school and the movie theater and Hurricane Sandy.

If you happened to know anyone involved – and I have an acquaintance that had been tweeting about running his first Boston Marathon for weeks – you immediately wonder about his or her safety. And you keep wondering, because cellular service instantly crashes and the TV news is completely unreliable.

What’s the solution? It takes some forethought and preparation. We begin with some good news, and it is this:

That doesn’t mean your phone is useless. Text messages are a much better option than calls, because they take up less of a cell site’s resources and because if they can’t get through, they automatically keep trying. If you are connected to the Internet or can find nearby free Wi-Fi, email and Twitter are also quicker, more reliable options.  MoneyTalksNews.com

Now, let’s go worst-case scenario… what if something happens to your physical self, and you can’t communicate? Plan ahead, and remember this acronym: ICE. It stands for In Case of Emergency, and more and more first responders are learning it. Basically, you set up an emergency contact on your phone with the last name ICE, and the first name MOM or HUSBAND or WIFE. If a rescuer finds you unconscious, he will know what to do. Also, if you have a memo or reminder app, you might want to enter some medical history, or at least any medication allergies you may have. Of course, you will have to take off the password protection on your phone.

So, that’s it. Here is some extra reading that explains all of this in greater detail. Again, thoughts and prayers to our friends in Boston and Texas. And please stay safe!!

Cellphone Networks Fail in Emergencies: Here’s What to Do

Five Minute Lifesaver: ICE Your Cell Phone

4 Easy Ways to Get Free Wi-Fi

How to Set Up an ICE Contact

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Tip #17: Instead of Hundreds, try eating only Fives and Tens!

Savings Tip #17: Instead of Hundreds, try eating only Fives and Tens!

A while back we talked about stretching your food budget by eliminating food waste. And of course, it’s common sense that cutting back on dining out can save you plenty.

But, what if you have already made these cuts, and you’re still feeling the pinch? Take a closer look at your grocery habits!

There’s a pretty interesting article at Money Talks News called “16 Ways to Cut Your Grocery Bill in Half.”

Here are some highlights:

  • Buy Discounted Meat: If you’re like me, you plan to eat pork chops, and then go buy them. Instead, see what’s on sale, and then plan your menu around that. This might not work if (like me) you can only cook 4 things!
  • Meatless Monday: Not as a moral or political statement, because YAWN. Just to save money! At my house, we have a big salad at least once a week.
  • Only Buy Food: At a Publix or Kroger or whatever, things like laundry detergent can be crazy expensive. Save that for Walmart!
  • Buy Generic: Store brands, yo! You can save up to 30% on things like pasta, salt, etc.
  • Embrace Inconvenience: If it comes in snack size, you don’t want it. Buy the big box of pretzels and some baggies. Cut your own fruit salad. Spend your life combing through circulars for coupons. Convenience is pricey!

There are 11 more tips of varying awesomeness at the original article, so check it out!

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no-stress-tax-tips-600Standby for our annual, obligatory “Last Minute Tax Tips” post!

You might be thinking: How can it be tax time? There’s still snow on the ground! Well, you better hitch up the sleigh, because Uncle Sam waits for no man, snowman!

Anyway, the web is full of hundreds of articles on last minute tax advice, all of which I will share now and here are a few to ponder.

And FYI, in recent years, Tax Day has been postponed for the weekend, or due to some holiday. But this year, Tax Day goes Old School, i.e., April 15. Yay, tradition!

So, as a humble public service from your humble public servant (me) here are the links to everything you need to know. Have a good weekend!

Forbes     •     CBS News     •     Investopedia     •     US News Money

Fox News     •     TurboTax     •     Money Talks News

Wall Street Journal     •     Yahoo Finance     •     Detroit Free Press

 

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The darker green ye see, the happier ye be! Arrr!

The darker green ye see, the happier ye be! Arrr!

Well, the 2012 results have just been released, anyway. Today, we revisit and update a topic from June of last year.

Who are the happiest Americans? And how would be know? Well, you interview a BUNCH of people all across the United States – DAILY, for a WHOLE YEAR – and you draw some conclusions!

Gallup rated each state on the following: life evaluation, emotional health, physical health, work environment, healthy behaviors and basic access to services and amenities.  Drum roll please…

Happiest States 2012 (with 2011 score)

10 Massachusetts (14)…09 Iowa (16) …08 New Hampshire (9)…

07 Nebraska (8)… 06 Montana (10)…05 Vermont (12)…

04 Utah (5)…03 Minnesota (3)…02 Colorado (6)… 01 Hawaii (1)

Dropping out of top 10 from last year:  Kansas, Alaska and North Dakota

Unhappiest States 2012 (with 2011 score)

41 Oklahoma (39) …42 Indiana (38) …43 Louisiana (36)…

44 Ohio (46) …45 Alabama (45)…46 Arkansas(44) …

47 Tennessee (41) …48 Mississippi (48)…49 Kentucky (49)…

50 West Virginia (50)

Climbing out of the bottom 10 (yay…?) Delaware, Missouri, Florida and Nevada

So that’s the rundown. What do you think? Are you in a “happy” state? An “unhappy” state? Do you agree or disagree with this assessment? Let us know! Check out the whole report, and have a great weekend!

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Yesterday my new, seemingly 14-year-old doctor said to me in a comforting tone (or so she thought,) “If being in shape were easy, then everybody would be in shape.”

Uh, thanks, Bones. Can we be done now?

Anyway, with news like we highlighted yesterday (“Get healthy or pay more for your employer’s health insurance,”) and with the continuing mystery of what our health care system is going to look like in the coming years…

Like this, I fear...

Like this, I fear…

…people are starting to see “getting in shape” as a sort of hedge against the unknown, instead of a goal in and of itself. Hey, health is health, but using the wrong motivation can lead to mistakes like using ancient, outdated diet advice (you know, more than 3 months old!)

So, the good housekeepers at Good Housekeeping have rounded up some dieting myths for us to ponder…

  1. Carbs bad. CARBS BAAAD!!! Carbs are fuel. While the white grains can be trouble, the browns are less so.
  2. Fresh fruits and veggies are always more nutritious than frozen. Unless you pull them out of the ground yourself, there’s no real difference.
  3. Egg cholesterol BAD! It’s not great, for sure. But you can probably still eat 1 or 2 a week. Or switch to egg whites, and have as much as you want.
  4. Skipping breakfast? Don’t do it, man!!
  5. It’s all in your GENES. Actually, they say that weight is 25% genes, 75% behavior.
  6. Creative combinations. I did this once. Something with cottage cheese and beet juice. You see, the CHEMISTRY of the foods in certain combinations means that your body reacts by burning more… yeah, it was all nonsense.

There’s your top 5. For further explanations, as well as a list of Exercise myths, check out the original article. And have a great weekend!

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