What percentage of your income do you save? It should at least be 10% and increase as we age. If you are not there yet, it’s something to be working towards.
What percentage of your income do you save? It should at least be 10% and increase as we age. If you are not there yet, it’s something to be working towards.
Helps Marketers Match Brands with Audiences
According to psychographic ad targeter Mindset Media, the TV shows you watch can offer marketers key insights into your personality. For instance, very modest people are more likely to watch the blue-collar hero show “Deadliest Catch” while altruistic people tend to prefer cooking shows like “Rachael Ray” and reality shows with happy endings like “The Bachelor.”
Appealing to Your Emotions: by Ali Hale
All forms of persuasive writing use this technique but internet marketers are especially good at it. They know that sales aren’t really based on customers rationally weighing up the pros and cons of a product – we tend to buy based on an emotional reaction.
Beat the Marketers: Ever heard that you shouldn’t grocery shop on an empty stomach? It’s a good idea not to shop online when you’re feeling emotional. Whether you’re insanely excited about the new business idea you had in the bar, or in despair over the state of your finances, you’re likely to fork out a fortune for unnecessary information products.
Keep a cool head, and promise yourself that you’ll sleep on it before making any decisions. Your mood will have changed in the morning – and if you still want the product, you’ll know it wasn’t just an emotional reaction.
Overdraft fees. Sign up for low-balance alerts via e-mail, and link your checking account to your savings account to move money as necessary to avoid $35 fees for insufficient funds.
PSY Research
The competition is on. Everyone is looking for the smallest phone, the cable provider with the most channels and the television with the biggest screen. Add in desktop computers and high-speed internet access and you’ve created a list of America’s growing “necessities”. According to a 2006 survey entitled “Necessity or Luxury” by the Pew Research Center, 33% of Americans now view cable or satellite TV as a necessity. In 1996 that number was 17%. Also, 51% now can’t live without a home computer, up from 26% in ’96.
Some items that were seen as fads or didn’t exist in 1996 have also jumped onto the necessity list:
• Cell Phone: 49%
• High-speed internet: 29%
• Flat-screen TV: 5%
• iPod: 3%
Gym Fees
The sales pitch is compelling and the promise of better health is hard to deny. But a legal obligation to pay a big monthly fee for the next two or three years—whether you use the gym or not—makes no sense.
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